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	<title>Cape Deb - your Guide to Paradise &#187; Florida Real Estate</title>
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		<title>August 2010 Newsletter….Cape Coral FL Real Estate News from Cape Deb………</title>
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		<pubDate>Sat, 14 Aug 2010 18:12:45 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Newsletters]]></category>
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		<category><![CDATA[Cape Coral]]></category>
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		<description><![CDATA[August 2010
                           
                                       
State and National News:

Mortgage rates hit another record low, 4.44%   Read more….
The worst is over, come conclude   Read more&#8230;
Economic forecast paints brighter picture   Read more&#8230;
Florida homes and condo sales up   Read [...]]]></description>
			<content:encoded><![CDATA[<h2>August 2010</h2>
<pre><img title="Newsletter - use full" src="http://capedeb.com/wordpress/wp-content/uploads/2010/01/CapeDeb-photo.for-postcards.2.jpg" alt="" width="928" height="252" />                           </pre>
<p>                                       </p>
<h2>State and National News:</h2>
<ul>
<li>Mortgage rates hit another record low, 4.44%   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=244885" target="_blank">Read more….</a></li>
<li>The worst is over, come conclude   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010081302?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>Economic forecast paints brighter picture   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=244873" target="_blank">Read more&#8230;</a></li>
<li>Florida homes and condo sales up   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=244766" target="_blank">Read more&#8230;</a></li>
<li>Capping of well brightens economic outlook for Florida   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=244508" target="_blank">Read more&#8230;</a></li>
<li>Canadians told it&#8217;s time to buy a US home   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=244496" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Taxes and Insurance:</h2>
<ul>
<li>Vacant Homes&#8211;Insurance coverage changes   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=244821" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Cape Coral and SW Florida News:</h2>
<ul>
<li>
<div id="news-title">Cape Coral Parks and Recreations Fall Guide   <a href="http://www.capecoral.net/Portals/0/docs/Parks%20&amp;%20Rec/Fall%202010%20Guide.pdf" target="_blank">Read more&#8230;</a></div>
</li>
<li>
<div>New Trash bin distribution   <a href="http://www.cape-coral-daily-breeze.com/page/content.detail/id/518553.html?nav=5011" target="_blank">Read more&#8230;</a></div>
</li>
<li>For South Florida market, a hopeful sign   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=244369" target="_blank">Read more&#8230;</a></li>
<li>Pine Island Road widening comes down to money   <a href="http://www.cape-coral-daily-breeze.com/page/content.detail/id/518237.html?nav=5004" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Real Estate Tips:</h2>
<ul>
<li>5 surprise reasons to buy a home now   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010080305?OpenDocument" target="_blank">Read more&#8230;<img title="More..." src="http://capedeb.com/wordpress/wp-includes/js/tinymce/plugins/wordpress/img/trans.gif" alt="" /></a></li>
<li>Tips on how to grow grass   <a href="http://landscaping.about.com/od/grassgrowingtips/Growing_Grass_Tips_on_How_to_Grow_Grass.htm" target="_blank">Read more&#8230;</a></li>
<li>Garbage Disposal troubleshooting   <a href="http://homerepair.about.com/od/plumbingrepair/ss/fix_disposal.htm" target="_blank">Read more&#8230;</a></li>
<li>Inspecting Roof condition   <a href="http://www.hometime.com/Howto/projects/roofing/roof_1.htm" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Green News:  </h2>
<ul>
<li>Cape Coral nature trails   <a href="http://www.capecoral.net/Government/ParksRecreation/ParksFacilities/EnvironmentalParksFacilities/RotaryParkEnvironmentalCenter/NatureTrails/tabid/200/language/en-US/Default.aspx" target="_blank">Read more&#8230; </a></li>
</ul>
<p>_____________________________________________________________________  </p>
<h1 style="text-align: center;">Check out my website at</h1>
<h1 style="text-align: center;"><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h1>
<p> _______________________________________________________________________  </p>
<p style="text-align: center;">This month&#8217;s feature&#8230;..  </p>
<p style="text-align: center;">Gulf Access&#8230;.Basin View!&#8230;..PRICED at $239,000!!!!!!  </p>
<p style="text-align: center;"><a href="http://capedeb.com/index.php/2010/08/waterfront-location-location-location-339000/" target="_blank"><img class="alignnone size-thumbnail wp-image-931" title="1-Front" src="http://capedeb.com/wordpress/wp-content/uploads/2010/08/1-Front-150x150.jpg" alt="" width="185" height="178" /></a>  </p>
<p style="text-align: center;">(click picture for more info)  </p>
<p style="text-align: center;">-Pool Home</p>
<p style="text-align: center;">-Two Master Suites and more&#8230;.</p>
<h2 style="text-align: center;">{<a href="http://fgcmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Fortmyers&amp;PRGNAME=MLSLogin&amp;ARGUMENT=ijXKQDpiNUpmF%2BH2Mf%2BjqNGVAyE9D2l%2F5cz0ywEA9Jk%3D&amp;KeyRid=1" target="_blank">CapeDeb&#8217;s Listings here</a>}</h2>
<h2 style="text-align: center;">{<a href="http://capedeb.com/index.php/property-search/" target="_blank">Search all properties here </a>}</h2>
<p>______________________________________________________________________  </p>
<h1>8 Tips for Adding Curb Appeal and Value to Your Home</h1>
<div>
<p>By: <a href="http://www.houselogic.com/authors/Pat_Curry/">Pat Curry</a>  Published: March 25, 2010 Appraisers and real estate agents offer advice for curb appeal that preserves value and attracts potential buyers. <img src="http://c0263062.cdn.cloudfiles.rackspacecloud.com/content/images/sized/add-curb-appeal-customhousenumbers_32f6de7c2730aa99df40e788d6dd4c75_3x2_jpg_300x200_q85.jpg" alt="Custom house numbers on a home" />Adding architectural numbers to the outside of your house gives it a distinct style. Image: CustomHouseNumbers.comCurb appeal has always been important for homesellers. With the vast majority of today’s homebuyers starting their search on the Internet, the appearance of your property is more critical than ever. You only have a few seconds to catch their attention as they scroll through listings online to get them to stop and take a closer look.But the role of curb appeal goes beyond just making a good first impression. The way your house looks from the street can impact its value. It can also shorten the time it takes to sell your house. </p>
<p> We asked real estate agents, appraisers, home stagers, landscape designers, and home inspectors which curb appeal projects offer the most value when your house is on the market, both in terms of its marketability and dollars. Here is what they told us: </p>
<h3><strong>1. Paint the house.</strong></h3>
<p>Hands down, the most commonly offered curb appeal advice from our real estate pros and appraisers is to give the exterior of your home a good <a href="http://www.houselogic.com/articles/exterior-paints-and-stains-guide-options/">paint job</a>. Buyers will instantly notice it and appraisers will note it on the valuation.</p>
<p>“Paint is probably the number one thing inside and out,” says Frank Lucco, managing partner of Houston-based IRR-Residential Appraisers and Consultants. “I’d give additional value for that. If you’re under two years remaining life (on the paint job), paint the exterior because it tends to show wear badly.” </p>
<p>Just make sure you stay within the range of accepted colors for your market. A house that’s painted a wildly different color from its competition will be marked down in value by appraisers. </p>
<h3>2. Have the house washed.</h3>
<p>Before you make the investment in a paint job, though, take a good look at the house. If it’s got mildew or general grunge, just <a href="http://www.houselogic.com/articles/clean-and-care-siding/">washing the house</a>could make a world of difference, says Valerie Torelli, a California real estate agent with a background in accounting.</p>
<p>Before she puts a house on the market, Torelli often does exterior makeovers on her clients’ homes, a service she pays for herself to get higher selling prices. Overall, she says her goal is to spend less than $5,000, with a goal of generating an extra $10,000 to $15,000 on the sale price.</p>
<p>Torelli specifies pressure-washing—a job that should be left to professionals. Pressure washing makes the house look “bright and clean in addition to getting rid of unsightly things like cobwebs, which may not be seen from the yard but will detract from the home’s cleanliness when seen up close,” she says.</p>
<p>The cost to have a professional cleaning should be a few hundred dollars—a fraction of the cost of having the house painted.</p>
<h3><strong>3. Trim the shrubs and green up the yard.</strong></h3>
<p>California real estate agent Valerie Torelli says she puts a lot of emphasis on landscaping, such as cutting down overgrown bushes and replacing them with leafy plants and annuals mulched with beautiful reddish-brown bark. “It runs me $30 to $50,” says Torelli. “Do you get a return on your money? Absolutely. It sucks people in.”</p>
<p>You also don’t want bare spots. Take the time to <a href="http://www.houselogic.com/articles/lawn-maintenance-calendar/">fertilize the yard</a>, throw out some grass seed, and if need be, add some sod.</p>
<h3><strong>4. Add a splash of color.</strong></h3>
<p>It could be a flower bed of annuals by the mailbox, a paint job for the front door, or a brightly colored bench or an Adirondack chair. “You can get a cute little bench at Home Depot for $99,“ Torelli notes. “Spray paint it bright red or blue and set it in the yard or on the front porch.”</p>
<p>It’s not a bad idea, but don’t plan on getting extra points from an appraiser for a red bench, says John Bredemeyer, president of Realcorp in Omaha. “It’s difficult to quantify, but it does make a home sell more quickly,” Bredemeyer says. “Maybe yours sold a couple weeks faster than the house down the street. That’s the best way to look at these things.”</p>
<h3>5. Add a fancy mailbox and house numbers.</h3>
<p>An upscale mail box and architectural house numbers or an address plaque can give your house a distinctive look that stands out from everyone else on the block. Torelli makes them a part of her exterior makeovers “I’ve gotten those hand-painted mailboxes,” she says. “A nice one runs you $40 to $50.” Architectural house numbers may run as high as a few hundred dollars.</p>
<h3><strong>6. Repair or clean the roof.</strong></h3>
<p>Springfield, Va.-based home inspector and former builder Reggie Marston says the <a href="http://www.houselogic.com/articles/roofing-repair-or-replace/">roof</a> is one of the first things he looks at in assessing the condition of a home. He’ll look at other houses in the neighborhood to see if there are a lot of replaced roofs and see if the subject house has one as well. If not, he’ll look for curls in the shingles or missing shingles. “I’m looking at the roof for end-of-life expectancy,” he says.</p>
<p>You can pay for roof repairs now, or pay for them later in a lower appraisal; appraisers will mark down the value by the cost of the repair. That could knock thousands of dollars off your appraisal. According to Remodeling Magazine’s 2009-2010 <a href="http://www.remodeling.hw.net/2009/costvsvalue/national.aspx" target="_blank">Cost vs. Value Report</a>, the average cost of a new asphalt shingle roof is more than $19,000.</p>
<p>“Roofs are issues,” Lucco says. “You won’t throw money away on that job. You gotta have a decent roof.”</p>
<p>Stains and plant matter, such as moss, can be handled with cleaning. It’s a job that can often be done in a day for a few hundred dollars, and makes the roof look like new. It’s not a DIY project; call a professional with the right tools to clean it without damaging it.</p>
<h3>7. Put up a fence.</h3>
<p>A picket fence with a garden gate to frame the yard is an asset. A <a href="http://www.houselogic.com/articles/fencing-guide-options/">fence</a>has more impact in a family-oriented neighborhood than an upscale retirement community, Bredemeyer says, but in most instances, appraisers will give extra value for one, as long as it’s in good condition. “Day in a day out, a fence is a plus,“ Bredemeyer says. Expect to pay $2,000 to $3,500 for a professionally installed gated picket fence 3 feet high and 100 feet long.<strong>8. Perform routine maintenance and cleaning</strong>.Nothing sets off subconscious alarms like hanging <a href="http://www.houselogic.com/articles/fast-fixes-common-gutter-problems/">gutters</a>, missing bricks from the front steps, or lawn tools rusting in the bushes. It makes even the professionals question what else hasn’t been taken care of.</p>
<p>“A house is worth less if the maintenance isn’t done,” Lucco says. “Those little things can add up and be a very big detractor. When people say, ‘I’d buy it if it weren’t for all the <a href="http://www.houselogic.com/articles/value-home-maintenance/">deferred maintenance</a>,’ what they’re really saying is, ‘I’d still buy it if you reduce the price.’” </p>
<p>Georgia-based freelance writer Pat Curry has covered housing and real estate for consumer and trade publications for more than a decade, including covering new home sales and marketing for BUILDER, the magazine of the National Association of Home Builders.  <br />
Visit houselogic.com for more articles like this. Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®<br />
Copyright 2010.  All rights reserved. </p>
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<h2>Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR</h2>
<h2>Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914</h2>
<h2><a href="mailto:deb@CapeDeb.com">deb@CapeDeb.com</a></h2>
<h2><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h2>
<h2>239.233.2322</h2>
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		<title>Coral Lakes with a Waterview&#8230;.$94,900</title>
		<link>http://capedeb.com/index.php/2010/08/coral-lakes-with-a-waterview-94900/</link>
		<comments>http://capedeb.com/index.php/2010/08/coral-lakes-with-a-waterview-94900/#comments</comments>
		<pubDate>Sat, 14 Aug 2010 15:40:04 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Featured Homes]]></category>
		<category><![CDATA[What's New]]></category>
		<category><![CDATA[Cape Coral]]></category>
		<category><![CDATA[Coral Lakes]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Florida Real Estate]]></category>
		<category><![CDATA[Lee County]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Southwest Florida]]></category>
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		<category><![CDATA[Waterview]]></category>

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		<description><![CDATA[

FABULOUS! Coral Lakes Community&#8230;.. Enjoy having the privacy of a single-family home, with the security of a GATED Community, and without all the lawn maintenance. BIG 3 bedroom/2 bath with [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignnone size-thumbnail wp-image-908" title="Front.3.8.10 039" src="http://capedeb.com/wordpress/wp-content/uploads/2010/08/Front.3.8.10-039-150x150.jpg" alt="" width="150" height="150" /><img class="alignnone size-thumbnail wp-image-910" title="Lanai View.3.8.10 007 paint" src="http://capedeb.com/wordpress/wp-content/uploads/2010/08/Lanai-View.3.8.10-007-paint-150x150.jpg" alt="" width="150" height="150" /><img class="alignnone size-thumbnail wp-image-911" title="Back.3.8.10 013 paint" src="http://capedeb.com/wordpress/wp-content/uploads/2010/08/Back.3.8.10-013-paint-150x150.jpg" alt="" width="150" height="150" /></p>
<p><img class="alignnone size-thumbnail wp-image-905" title="Den.3.8.10" src="http://capedeb.com/wordpress/wp-content/uploads/2010/08/Den.3.8.10-150x150.jpg" alt="" width="150" height="150" /><img class="alignnone size-thumbnail wp-image-906" title="Kitchen.3.8.10 026" src="http://capedeb.com/wordpress/wp-content/uploads/2010/08/Kitchen.3.8.10-026-150x150.jpg" alt="" width="150" height="150" /><img class="alignnone size-thumbnail wp-image-912" title="MBR.3.8.10 016" src="http://capedeb.com/wordpress/wp-content/uploads/2010/08/MBR.3.8.10-016-150x150.jpg" alt="" width="150" height="150" /></p>
<p>FABULOUS! Coral Lakes Community&#8230;.. Enjoy having the privacy of a single-family home, with the security of a GATED Community, and without all the lawn maintenance. BIG 3 bedroom/2 bath with VIEWS OF THE LAKE. Visiting the Clubhouse and community pool is like being on a Tropical Getaway&#8230;..Good access from Fort Myers airport (approx. 25 miles away).</p>
<p>for more info <a href="http://fgcmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Fortmyers&amp;PRGNAME=MLSLogin&amp;ARGUMENT=LPhVJp%2BHoZWxt04UX4Pwa2ND%2BbWfgGVfo%2BzlcrnLcjo%3D&amp;KeyRid=1" target="_blank">click here</a></p>
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		<title>Lee County Lis Pendens filed&#8230;..Market Watch</title>
		<link>http://capedeb.com/index.php/2010/07/lee-county-lis-pendens-filed-market-watch/</link>
		<comments>http://capedeb.com/index.php/2010/07/lee-county-lis-pendens-filed-market-watch/#comments</comments>
		<pubDate>Sat, 24 Jul 2010 13:23:48 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Cape Coral]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Cape Coral foreclosures]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Florida foreclosures]]></category>
		<category><![CDATA[Florida Real Estate]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[Lee County]]></category>
		<category><![CDATA[Lee County Foreclosures]]></category>
		<category><![CDATA[sw florida]]></category>
		<category><![CDATA[SW Florida Real Estate]]></category>

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		<description><![CDATA[ 
Lee County Lis Pendens filed&#8230;&#8230;&#8230;
 First, what is a lis pendens?  A lis pendens is a written notice that a lawsuit has been filed with the courts concerning real estate. You [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter size-full wp-image-757" title="00283752" src="http://capedeb.com/wordpress/wp-content/uploads/2010/05/002837521.gif" alt="" width="120" height="80" /> </p>
<p>Lee County Lis Pendens filed&#8230;&#8230;&#8230;</p>
<p> First, what is a lis pendens?  A lis pendens is a written notice that a lawsuit has been filed with the courts concerning real estate. You could kind of call it&#8230;one of the first indicators of a possible foreclosure.</p>
<p> Everyone&#8217;s talking about foreclosures.  Are they slowing down?  Will there be a new wave?</p>
<p> It is important to keep in mind that not every lis pendens filing will turn into a foreclosure but I&#8217;ve been watching the overall numbers for a while now&#8230;waiting for a sign.  You tell me what you see&#8230;&#8230;</p>
<p><img class="alignleft size-large wp-image-891" title="Lis Pendes.big" src="http://capedeb.com/wordpress/wp-content/uploads/2010/05/Lis-Pendes.big_1-1024x791.jpg" alt="" width="1024" height="791" /></p>
<p>If you would like me to email you all the figures and graphs&#8230;.drop me an email at <a href="mailto:deb@CapeDeb.com">deb@CapeDeb.com</a></p>
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		<title>Cape Coral FL Market Watch (July 2010)</title>
		<link>http://capedeb.com/index.php/2010/07/cape-coral-fl-market-watch-july-2010/</link>
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		<pubDate>Sat, 24 Jul 2010 12:10:11 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Cape Coral]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[What's New]]></category>
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		<description><![CDATA[
Paradise is selling fast! 
There are currently:
2525 single family homes for sale in Cape Coral, FL
1582 homes have sold in the past three months
That leaves us with an absorption rate of: 4.7 months  
What [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-full wp-image-894" title="j0441458" src="http://capedeb.com/wordpress/wp-content/uploads/2010/07/j0441458.png" alt="" width="216" height="216" /></p>
<p>Paradise is selling fast! </p>
<p>There are currently:</p>
<p>2525 single family homes for sale in Cape Coral, FL</p>
<p>1582 homes have sold in the past three months</p>
<p>That leaves us with an absorption rate of: 4.7 months  </p>
<p>What does that mean? </p>
<p>Let&#8217;s say that not another house went on the market.  How long would it take to sell the existing inventory?  Only 4.7 months&#8230;. </p>
<p>Rule of thumb:</p>
<p>A ‘normal&#8217; real estate market (if there is such a thing) has an absorption rate of 6%</p>
<p>When is it a buyers market?  When the absorption rate is over 6 %</p>
<p>When is it a sellers market?  When the absorption rate is under 6% </p>
<p>You can have some of this <strong>FABULOUS</strong> weather too but you better hurry. </p>
<p><strong>RUN</strong> don&#8217;t walk&#8230;..</p>
<p>Paradise is selling fast!</p>
<p>CALL OR EMAIL FOR A &#8216;FREE&#8217; CAPE CORAL MAP &#8230;.</p>
<p>Debbie Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR</p>
<p>Century 21 Sunbelt, Realtor</p>
<p>Serving SW Florida (Cape Coral&#8230;aka Paradise)</p>
<p>239.233.2322</p>
<p><a href="mailto:deb@CapeDeb.com">deb@CapeDeb.com</a></p>
<p><a href="http://www.capedeb.com/">www.CapeDeb.com</a></p>
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		<title>SOLD!!  Gulf Access-Beautifully Furnished-1st Floor CONDO $159,900</title>
		<link>http://capedeb.com/index.php/2010/07/gulf-access-beautifully-furnished-1st-floor-condo-169000/</link>
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		<pubDate>Thu, 22 Jul 2010 12:30:49 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Featured Homes]]></category>
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		<category><![CDATA[canal]]></category>
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		<description><![CDATA[
RARE and UNIQUE! This beautifully furnished GULF ACCESS Spanish Style condo has it all.., enjoy boating to the Gulf of Mexico or anywhere in the world and when you get [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter size-thumbnail wp-image-536" title="0-front" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/0-front-150x150.jpg" alt="" width="150" height="150" /></p>
<p>RARE and UNIQUE! This beautifully furnished GULF ACCESS Spanish Style condo has it all.., enjoy boating to the Gulf of Mexico or anywhere in the world and when you get home you can park your boat at your own deeded dock. Time to relax? Sit in your screened lanai and enjoy the GORGEOUS view of the pool and canal. Inside you will enjoy the beautiful decor and the light and bright spacious feel that high ceilings offer. Unit has 2 bedrooms with split floor plan, one bedroom/bath on each side..offers lots of privacy. Attractive tile throughout main living area. Only 5 units in the community makes a quaint and friendly atmosphere. New a/c compressor in 10/09. This unit has a seasonal rental history</p>
<p><img class="aligncenter size-thumbnail wp-image-580" title="0-pool" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/0-pool-150x150.jpg" alt="" width="150" height="150" /></p>
<p><img class="aligncenter size-thumbnail wp-image-581" title="0-main lvg.a" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/0-main-lvg.a-150x150.jpg" alt="" width="150" height="150" /></p>
<p><img class="aligncenter size-thumbnail wp-image-582" title="0-canal" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/0-canal-150x150.jpg" alt="" width="150" height="150" /></p>
<h1><a href="http://fgcmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Fortmyers&amp;PRGNAME=MLSLogin&amp;ARGUMENT=LPhVJp%2BHoZWxt04UX4Pwa4t0Cdtd5XKy0xEdjYgCIUw%3D&amp;KeyRid=1" target="_blank">Click Here</a> for more info</h1>
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		<title>July 2010 Newsletter….Cape Coral FL Real Estate News from Cape Deb………</title>
		<link>http://capedeb.com/index.php/2010/07/july-2010-newsletter%e2%80%a6-cape-coral-fl-real-estate-news-from-cape-deb%e2%80%a6%e2%80%a6%e2%80%a6/</link>
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		<pubDate>Sat, 03 Jul 2010 14:39:49 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Newsletters]]></category>
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		<category><![CDATA[Florida newsletter]]></category>
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		<description><![CDATA[July 2010
                           
                                        
State and National News:

Mortgage rates drop to another low, 4.58%   Read more….
Big changes to condo laws take effect    Read more&#8230;

 Taxes and Insurance:

Tax credit extension passes   Read more&#8230;

 Cape Coral and SW Florida [...]]]></description>
			<content:encoded><![CDATA[<h2>July 2010</h2>
<pre><img title="Newsletter - use full" src="http://capedeb.com/wordpress/wp-content/uploads/2010/01/CapeDeb-photo.for-postcards.2.jpg" alt="" width="928" height="252" />                           </pre>
<p>                                        </p>
<h2>State and National News:</h2>
<ul>
<li>Mortgage rates drop to another low, 4.58%   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=242821" target="_blank">Read more….</a></li>
<li>Big changes to condo laws take effect    <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=242741" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Taxes and Insurance:</h2>
<ul>
<li>Tax credit extension passes   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010070101?OpenDocument" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Cape Coral and SW Florida News:</h2>
<ul>
<li>
<div id="news-title">1st Quator 2010 Local Market Report   <a href="http://www.realtor.org/wps/wcm/connect/a55b8e8041b5f5b699c4fda3819af93a/lmr_fl_ftmyers_Q12010.pdf?MOD=AJPERES&amp;CACHEID=a55b8e8041b5f5b699c4fda3819af93a" target="_blank">Read more&#8230;</a></div>
</li>
<li>
<div>New model: SWFL has less than one percent chance of getting oil   <a href="http://www.winknews.com/GULF-COAST-DISASTER/2010-07-02/New-model-SWFL-has-less-than-one-percent-chance-of-getting-oil" target="_blank">Read more&#8230;</a></div>
</li>
<li>City issues more single-family home permits   <a href="http://www.lehighacrescitizen.com/page/content.detail/id/509777/City-issuing-more-single-family-home-permits.html?nav=5110" target="_blank">Read more&#8230;</a></li>
<li>Lee County Community Gardens   <a href="http://www.lee-county.com/gov/bocc/ordinances/Ordinances/10-24.pdf" target="_blank">Read more&#8230;</a></li>
<li>2010 Summer Cape Coral Parks and Recreations Guide   <a href="http://www.capecoral.net/Portals/0/docs/Parks%20&amp;%20Rec/Summer%20'10%20Program%20Guide.pdf" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Real Estate Tips:</h2>
<ul>
<li>Beach style for your home   <a href="http://lifestyle.msn.com/your-home/room-design/staticslideshowcl.aspx?cp-documentid=24375106" target="_blank">Read more&#8230;<img title="More..." src="http://capedeb.com/wordpress/wp-includes/js/tinymce/plugins/wordpress/img/trans.gif" alt="" /></a></li>
<li>Organize your Garage   <a href="http://lifestyle.msn.com/your-home/cleaning-organizing/staticslideshowgh.aspx?cp-documentid=24682655" target="_blank">Read more&#8230;</a></li>
<li>4 cheap cleaners that work   <a href="http://lifestyle.msn.com/your-home/cleaning-organizing/staticslideshowgh.aspx?cp-documentid=24375111" target="_blank">Read more&#8230;</a></li>
<li>Before and After Basements   <a href="http://lifestyle.msn.com/your-home/cleaning-organizing/staticslideshowrs.aspx?cp-documentid=23515145" target="_blank">Read more&#8230;</a></li>
<li>What to look for in an outdoor kitchen   <a href="http://www.realtor.org/rmodaily.nsf/pages/News2010070202?OpenDocument" target="_blank">Read more&#8230;</a></li>
</ul>
<p> Green News:</p>
<ul>
<li>Frequently asked questions in Cape Coral  <a href="http://www.capecoral.net/Government/PublicWorks/EnvironmentalResources/FrequentlyAskedQuestions/tabid/707/language/en-US/Default.aspx" target="_blank">Read more&#8230; </a></li>
</ul>
<p>_____________________________________________________________________</p>
<h1>Check out my new website at</h1>
<h1><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h1>
<p> _______________________________________________________________________</p>
<p>This month&#8217;s feature&#8230;..</p>
<p>Rose Garden Villa Condo&#8230;.</p>
<p><a href="http://fgcmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Fortmyers&amp;PRGNAME=MLSLogin&amp;ARGUMENT=UH85D3vKSiTSmgsaHbDMgvvndWPpSyfv%2B%2Bj0gF94kkw%3D&amp;KeyRid=1" target="_blank"></a></p>
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<p>(click picture for more info)</p>
<p>-High ceilings, Bright Corner Unit</p>
<p>-one of Cape Coral&#8217;s best kept secrets</p>
<h2>{<a href="http://fgcmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Fortmyers&amp;PRGNAME=MLSLogin&amp;ARGUMENT=ijXKQDpiNUpmF%2BH2Mf%2BjqNGVAyE9D2l%2F5cz0ywEA9Jk%3D&amp;KeyRid=1" target="_blank">CapeDeb&#8217;s Listings here</a>}</h2>
<h2>{<a href="http://capedeb.com/index.php/property-search/" target="_blank">Search all properties here </a>}</h2>
<p>______________________________________________________________________</p>
<h1>10 Tips for Saving Energy in the Kitchen&#8230;..</h1>
<p><img class="alignleft size-thumbnail wp-image-869" title="Modern Kitchen" src="http://capedeb.com/wordpress/wp-content/uploads/2010/07/00439268-150x150.jpg" alt="" width="150" height="150" /></p>
<h5>Article From HouseLogic.com</h5>
<h5>By: <a href="http://www.houselogic.com/authors/Douglas_Trattner/">Douglas Trattner</a></h5>
<h5>Published: August 28, 2009</h5>
<p>Spending less money on utility bills doesn’t mean you need to rush out and purchase a whole new suite of Energy Star appliances. With occasional light maintenance and good habits, you can greatly improve the energy efficiency of your large kitchen appliances—up to about $120 annually—without sacrificing convenience.</p>
<h3>Refrigerator/freezer</h3>
<p>Energy-efficiency experts tell us to focus our efforts on the biggest energy hogs in the house, and that definitely includes the fridge. Because it cycles on and off all day, every day, the refrigerator consumes more electricity than nearly every appliance in the home save for the HVAC systems. The average refrigerator costs about $90 per year to operate, according to the <a href="http://www.energy.gov/" target="_blank">U.S. Department of Energy</a>. The good news is that a few simple adjustments can trim roughly $38 to $45 off those utility bills.</p>
<p><strong>1. Adjust the thermostat.</strong> By setting the thermostat colder than it needs to be, you might increase your fridge’s energy consumption by as much as 25% on average. Adjust the refrigerator so that it stays in the 37-40 degrees F range. For the freezer, shoot for between 0-5 degrees F. You could save up to $22 per year. If your model doesn’t display the current temps, invest in two appliance thermometers (one for the fridge, one for the freezer). They cost roughly $3-$20 apiece at online retailers.</p>
<p><strong>2. Clean the coils.</strong> As dust accumulates on the condenser coils on the rear or bottom of the fridge, it restricts cool-air flow and forces the unit to work harder and longer than necessary. Every six months, vacuum away the dust that accumulates on the mechanism. Also, check to see that there is at least a 3-inch clearance at the rear of the fridge for proper ventilation. This routine maintenance can trim up to 5% off the unit’s operating cost, says energy savings expert <a href="http://michaelbluejay.com/electricity/refrigerators.html" target="_blank">Michael Bluejay</a>, saving you about $4.50 a year.</p>
<p><strong>3. Use an ice tray.</strong> Automatic ice makers are a nice convenience, to be sure, but it turns out the mechanisms are energy hogs. An automatic ice maker can increase a refrigerator’s energy consumption by 14% to 20%, according to <a href="http://www.energystar.gov/" target="_blank">Energy Star</a>. By switching off the ice maker and using trays, you can save about $12 to $18 off your annual electricity bill. Most units require little more than a lift of the sensor arm to switch them off. To reclaim the space remove the entire unit, a simple DIY job on many models. </p>
<p><strong>4. Unplug the “beer fridge.”</strong> Many homes have an extra fridge that runs year round even though it’s used sparingly. Worse, these fridges tend to be older, more inefficient models. By consolidating the contents to the main fridge and unplugging the additional unit, you eliminate the entire operating cost of a fridge. The second-best solution is to make sure the extra fridge remains three-quarters full at all times. The mass helps maintain steady internal temps and lets the fridge recover more quickly after the door is opened and closed, according to the <a href="http://www.energy.ca.gov/" target="_blank">California Energy Commission</a>. </p>
<h3>Ovens and ranges</h3>
<p>“Green” cooking all comes down to proper time and space management. By using gas and electric stoves more effectively, you can painlessly save a few dollars a year.</p>
<p><strong>5. Cut the power early.</strong> As anybody who’s ever bumped a burner on an electric stove can attest, those heating elements stay hot long after they’ve been switched off. Put that residual heat to work by shutting off the burner several minutes before the end of the cook time. The same technique can be applied to the oven. The savings can add up to a couple bucks every month.</p>
<p><strong>6. Match the burner to pan.</strong> When a small pan is placed on a big burner you can practically see the money disappearing into thin air. By matching the burner to the pan, electricity won’t be squandered heating the kitchen rather than the food. The reverse is true, too. A small burner will take considerably longer to heat a large pan than would an appropriately sized burner. For gas stoves, don’t let the flames lick the sides of the pot. Follow these tips and watch the utility bills shrink by a few dollars a month.</p>
<p><strong>7. Do away with preheating.</strong> You can save about $2 a month by not preheating your oven (20 cents per hour to operate electric oven; eliminate 20 30-minute preheats a month). Many cooks agree that the practice is wholly unnecessary for all but a few recipes, namely baking breads and cakes. This approach may add a few minutes to the overall cooking time, but it eliminates all that wait time on the front end.</p>
<h3>Dishwasher </h3>
<p>As with <a href="http://www.houselogic.com/articles/appliance-buying-guide-washing-machines/">washing machines</a>, most of a dishwasher’s energy needs go to heating the water. Still, says Lane Burt, an energy policy analyst with <a href="http://www.nrdc.org/" target="_blank">The Natural Resources Defense Council</a>, a 10-year-old dishwasher can be made nearly as efficient as a newer model simply by knowing when and how to run it. Follow a few simple tips, and you can reduce your annual utility costs by roughly $35-$54.</p>
<p><strong>8. Manage the load.</strong> Most dishwashers use the same amount of water and energy whether they’re run full or half-full. You can cut your operating costs by one-third or one-half by running the machine only when it’s full. It costs about $54 to run a pre-2000 model dishwasher per year, based on government data. Proper load management can save up to $27 each year.</p>
<p><strong>9. Activate energy-saving features.</strong> A dishwasher’s heated dry cycle can add 15% to 50% to the appliance’s operating cost. Most machines allow the feature to be switched off (or not turned on), which can save $8-$27 per year, assuming an operating cost of $54 annually. If your dishwasher doesn’t have that flexibility, simply turn the appliance off after the final rinse and open the door. </p>
<p><strong>10.  Use the machine.</strong> Many homeowners believe they can save water and energy by hand washing dishes. The truth is that a dishwasher requires less than one-third the water it would take to do those same dishes in the sink. By running the machine (when full), you can cut down the operating time of the hot water heater, your home’s largest energy hog. Not only will you save a buck per month, you won’t have to do the dishes.</p>
<p>Douglas Trattner has covered household appliances and home improvement for HGTV.com, DIYNetworks, and the Cleveland Plain Dealer. During the 10-year stewardship of his 1925 Colonial, he’s upgraded almost every household appliance. After lengthy deliberation, he recently replaced an aging top-load washing machine with an energy-efficient front-load unit</p>
<h6>Visit houselogic.com for more articles like this. Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®<br />
Copyright 2010.  All rights reserved.</h6>
<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-</p>
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<h2>Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR</h2>
<h2>Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914</h2>
<h2><a href="mailto:deb@CapeDeb.com">deb@CapeDeb.com</a></h2>
<h2><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h2>
<h2>239.233.2322</h2>
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		<title>May 2010 Newsletter….Cape Coral FL Real Estate News from Cape Deb………</title>
		<link>http://capedeb.com/index.php/2010/05/may-2010-newsletter%e2%80%a6-cape-coral-fl-real-estate-news-from-cape-deb%e2%80%a6%e2%80%a6%e2%80%a6/</link>
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		<pubDate>Sun, 30 May 2010 15:18:00 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[What's New]]></category>
		<category><![CDATA[Cape Coral]]></category>
		<category><![CDATA[cape coral land]]></category>
		<category><![CDATA[Cape Coral news]]></category>
		<category><![CDATA[cape coral real estate]]></category>
		<category><![CDATA[florida land]]></category>
		<category><![CDATA[Florida Real Estate]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[real estate newsletter]]></category>

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		<description><![CDATA[May 2010
                           
                                        
State and National News:

Foreclosures down from last year   Read more….
CPSC identifies manufacturers of problem drywall   Read more&#8230;
Mortgage rates sink to lowest level this year   Read more&#8230;
America&#8217;s Top Places for 2010   Read more&#8230;

 Taxes and Insurance:

Tax [...]]]></description>
			<content:encoded><![CDATA[<h2>May 2010</h2>
<pre><img title="Newsletter - use full" src="http://capedeb.com/wordpress/wp-content/uploads/2010/01/CapeDeb-photo.for-postcards.2.jpg" alt="" width="928" height="252" />                           </pre>
<p style="text-align: right;">                                        </p>
<h2>State and National News:</h2>
<ul>
<li>Foreclosures down from last year   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=239511" target="_blank">Read more….</a></li>
<li>CPSC identifies manufacturers of problem drywall   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=240268" target="_blank">Read more&#8230;</a></li>
<li>Mortgage rates sink to lowest level this year   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=240384" target="_blank">Read more&#8230;</a></li>
<li>America&#8217;s Top Places for 2010   <a href="http://rismedia.com/2010-05-04/americas-top-places-to-live-for-2010/" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Taxes and Insurance:</h2>
<ul>
<li>Tax credit extended for Armed Forces   <a href="http://realtytimes.com/rtpages/20100504_taxcredit.htm" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Cape Coral and SW Florida News:</h2>
<ul>
<li>New Production Plant in Cape Coral begins pumping water   <a href="http://www.news-press.com/article/20100513/NEWS0101/100513038/1003/ACC/New-p" target="_blank">Read more&#8230;</a></li>
<li>Median Home Prices raise in Lee County   <a href="http://www.news-press.com/article/20100524/RE/100524029/1003/ACC/Median-home" target="_blank">Read more&#8230;</a></li>
<li>Cape Coral nixes San Souci Bay project   <a href="http://www.news-press.com/article/20100524/NEWS0101/100524046/1003/ACC/Sans" target="_blank">Read more&#8230;</a></li>
<li>Cape Coral BMX   <a href="http://www.news-press.com/article/20100514/ENT/5140329/1003/ACC/State-s-BMX" target="_blank">Read more&#8230;</a></li>
<li>Incentives help Cape Coral commercial real estate   <a href="http://www.abc-7.com/Global/story.asp?S=12471691" target="_blank">Read more&#8230;</a></li>
<li>Cape Coral owners responsible for foreclosures   <a href="http://www.nbc-2.com/Global/story.asp?S=12441162" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Real Estate Tips:</h2>
<ul>
<li>Outdoor Room Design ideas   <a href="http://lifestyle.msn.com/your-home/room-design/staticslideshowhb.aspx?cp-documentid=23711933&amp;icid=LIFESTYLE2&amp;GT1=LIFESTYLE2" target="_blank">Read more&#8230;</a></li>
<li>Hottest new paint colors   <a href="http://www.housebeautiful.com/decorating/colors/popular-paint-colors?link=msn%3AThe%20Hottest%20New%20Paint%20Colors%5F20%20Outdoor%20Room%20Design%20Ideas&amp;dom=msn&amp;tpc=Home&amp;src=syn&amp;con=slide&amp;mag=hbu" target="_blank">Read more&#8230;</a></li>
<li>Quick Fixes   <a href="http://www.housebeautiful.com/decorating/ideas/easy-home-decorating-0610" target="_blank">Read more&#8230;</a></li>
<li>How to fix a screen   <a href="http://www.doityourself.com/stry/h2workwithscreens" target="_blank">Read more&#8230;</a><span id="more-791"></span></li>
</ul>
<h2> Green News:</h2>
<ul>
<li>Free mulch   <a href="http://www3.leegov.com/solidwaste/Autopage_T1_R17.htm" target="_blank">Read more&#8230; </a></li>
</ul>
<p>_____________________________________________________________________</p>
<h1>Check out my new website at</h1>
<h1><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h1>
<p> _______________________________________________________________________</p>
<p>This month&#8217;s feature&#8230;..</p>
<p>Waterfront Pool Home! $199,000 </p>
<p><a href="http://fgcmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Fortmyers&amp;PRGNAME=MLSLogin&amp;ARGUMENT=UH85D3vKSiTSmgsaHbDMgvvndWPpSyfv%2B%2Bj0gF94kkw%3D&amp;KeyRid=1" target="_blank"><img class="alignleft size-thumbnail wp-image-799" title="00-front" src="http://capedeb.com/wordpress/wp-content/uploads/2010/05/00-front1-150x150.jpg" alt="" width="150" height="150" /></a></p>
<p>(click picture for more info)</p>
<p>-High ceilings and French doors</p>
<p>-one of Cape Coral&#8217;s most extensive freshwater canal-ways</p>
<h2>{<a href="http://fgcmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Fortmyers&amp;PRGNAME=MLSLogin&amp;ARGUMENT=ijXKQDpiNUpmF%2BH2Mf%2BjqNGVAyE9D2l%2F5cz0ywEA9Jk%3D&amp;KeyRid=1" target="_blank">CapeDeb&#8217;s Listings here</a>}</h2>
<h2>{<a href="http://capedeb.com/index.php/property-search/" target="_blank">Search all properties here </a>}</h2>
<p>______________________________________________________________________</p>
<h1> LAWN MAINTENACE CALENDAR&#8230;.. </h1>
<p><img class="alignleft size-thumbnail wp-image-797" title="42-15833482" src="http://capedeb.com/wordpress/wp-content/uploads/2010/05/j04230581-150x150.jpg" alt="" width="150" height="150" /></p>
<p>Article From HouseLogic.com</p>
<p>By: Douglas Trattner<br />
Published: February 04, 2010</p>
<p>Regular lawn maintenance gives your home maximum curb appeal and preserves the value of your property.</p>
<p>A healthy, well-maintained lawn is more than just good-looking-it&#8217;s a key to preserving the value of your home. Regular lawn maintenance enhances curb appeal, making your home-and neighborhood-attractive to passersby and potential buyers.</p>
<p>According to Su Chi Straka-Phillis, a residential real estate appraiser with Central Appraisal Services of Parma, Ohio, a well-kept lawn preserves a home&#8217;s value.</p>
<p>Put off routine maintenance, and you risk devaluing your home. In fact, an unkempt lawn can be a warning sign to buyers of other potential home maintenance issues, explains Cecilia Sherrard, a real estate agent in Rocky River, Ohio. &#8220;The outside of the home is the first thing people see, and if it&#8217;s not properly maintained, many will not be interested in scheduling a showing to see the inside.&#8221;</p>
<h2>Know your grass type</h2>
<p>There are two main types of lawn grass: cool-season and warm-season. Homeowners living in the Northeast, Midwest, and Northwest should grow cool-season grasses. As depicted on the Plant Heat-Zone Map (http://www.ahs.org/publications/heat_zone_map.htm) provided by the American Horticultural Society, the regions for cool-season grasses are approximately zones 1 through 7.</p>
<p>Cool-season grasses do most of their growing in spring and fall, often going dormant in the summer. Cool-season grasses include bermudagrass, zoysiagrass, and St. Augustine grass.</p>
<p>Those living in the Southeast and Southwest (zones 8 through 12) will generally have warm-season grasses. Warm-season grasses thrive from late spring to early fall and go dormant in the winter. Varieties include tall fescue, Kentucky bluegrass, and perennial ryegrass.</p>
<p>If you&#8217;re unsure which zone applies to you, check your state extension service (http://www.csrees.usda.gov/Extension/).</p>
<h2>Mowing</h2>
<p><strong>Grass type:</strong> All<br />
<strong>Maintenance schedule:</strong> Spring to fall</p>
<p>&#8220;The taller the grass, the deeper the roots, the fewer the weeds, and the more moisture the soil holds between watering,&#8221; explains Richard Hentschel of the University of Illinois Extension (http://web.extension.illinois.edu/state/index.html). Hentschel recommends the mower blade height be permanently set to 3 inches.</p>
<p>In prime growing season (spring and fall for cool-season; summer for warm), homeowners should mow frequently enough so they&#8217;re removing no more than one-third of the grass blade. If possible, resist the urge to mow the grass when wet, as the practice can spread diseases that affect lawns.</p>
<p>Mower blades should be sharpened monthly to ensure clean, sharp cuts. A dull blade tears the grass, leaving jagged edges that discolor the lawn and invite pathogens. Consider spending about $20 for a backup blade so that a sharp one is always on hand.</p>
<h2>Watering</h2>
<p><strong>Grass type:</strong> All<br />
<strong>Maintenance schedule:</strong> Spring to fall</p>
<p>Deep and infrequent watering is better for lawns than frequent sprinkles, which promote shallow root growth, says Hentschel. In general, lawns need about one inch of water per week to maintain green color and active growth.</p>
<p>Lawns that receive less than that will likely go into dormancy. To stay alive, dormant lawns should still receive at least 1 inch of water per month.</p>
<p>To check the output of a sprinkler, scatter some pie tins around the yard to see how much water collects in a specific length of time. Having a rain gauge ($5 to $20) will help you keep track of how much water the lawn receives naturally. Allowing a cool-season lawn to go dormant in the summer can save hundreds of gallons of water, depending on the size of your lawn.</p>
<h2>Feeding</h2>
<p><strong>Grass type:</strong> Cool-season<br />
<strong>Maintenance schedule:</strong> Early fall</p>
<p><strong>Grass type:</strong> Warm-season<br />
<strong>Maintenance schedule:</strong> Late spring</p>
<p>&#8220;It used to be common to fertilize a lawn three or four times per year,&#8221; says Hentschel. &#8220;Now we suggest just once a year when it will do the most good.&#8221; For cool-season grasses, that time is early fall, so the grass enters winter dormancy in a much healthier state.</p>
<p>For warm-season grasses, the best time to fertilize is late spring, just as the grass begins its most active growth. For best results, closely follow the application directions on the product. Cost is around $50 to $75 per application.</p>
<p>People interested in organic fertilizers have never had an easier time finding them at local garden centers. Homeowners who mow regularly with mulching mowers are encouraged to leave the clippings on the ground, where they&#8217;ll decompose and recycle nutrients into the soil.</p>
<h2>Weed-control herbicide application</h2>
<p><strong>Grass type:</strong> Cool-season<br />
<strong>Maintenance schedule:</strong> Fall</p>
<p><strong>Grass type:</strong> Warm-season<br />
<strong>Maintenance schedule:</strong> Late winter</p>
<p>Homeowners should embrace the idea that an occasional weed is OK, says Hentschel. For minor weed invasions, removal by hand of the entire plant and roots is recommended. When the situation becomes impossible to contain by hand, it might be necessary to apply an herbicide.</p>
<p>For cool-season grasses, the best time to apply a weed killer is in fall, when both old and new weeds can be eliminated before winter. Warm-season grasses often benefit from a late-winter application of a pre-emergent herbicide to prevent weeds from growing.</p>
<p>In place of weed and feed products, which are spread over the entire lawn, Hentschel prefers liquid-based herbicides that are applied only where needed. It&#8217;s imperative to read and follow all directions on herbicide labels. Cost is around $15 to $45 per application.</p>
<h2>Grub control</h2>
<p><strong>Grass type:</strong> Cool-season<br />
<strong>Maintenance schedule:</strong> Early summer</p>
<p><strong>Grass type:</strong> Warm-season<br />
<strong>Maintenance schedule:</strong> Late summer</p>
<p>Grub worms, the larval stage of June, Japanese, and other beetles, feed on the tender root systems of lawns. Affected lawns exhibit browning and wilting patches.</p>
<p>To be certain that the culprits are grubs, Hentschel suggests that homeowners pull back the sod and look for white, C-shaped grubs. If they&#8217;re present at a rate exceeding 10 per square foot, they should be treated with a chemical pesticide.</p>
<p>Milky spore is an environmentally friendly way to control some species of grubs. When using insecticides, read and follow all label directions and water the product into the soil immediately. Cost is around $50 to $75 per application.</p>
<h2>Patching</h2>
<p><strong>Grass type:</strong> Cool-season<br />
<strong>Maintenance schedule:</strong> Early fall</p>
<p><strong>Grass type:</strong> Warm-season<br />
<strong>Maintenance schedule:</strong> Early summer</p>
<p>The best time to patch bare or thin spots in a lawn is at the start of the grass&#8217;s most favorable growing period. For cool-season grasses that means waiting until the hot, dry days of summer have given way to cooler fall temps.</p>
<p>Warm-season grasses thrive in summer, so it&#8217;s best to sow seeds at the start of that season. Hentschel says to buy only high quality disease-resistant seed with good germination rates, which by law have to be listed on the label. Cost is anywhere from $20 to $75, depending on the size of the areas to be patched.</p>
<h2>Cleanup</h2>
<p><strong>Grass type:</strong> All<br />
<strong>Maintenance schedule:</strong> Spring to fall</p>
<p>Although small particles of grass are fine to leave on the lawn, large piles that exit a side-discharge mower should be removed. Fallen leaves, twigs, and debris should be raked up regularly. In climates where it snows, it&#8217;s best to remove fall leaves before winter. A thick layer of wet leaves can smother a lawn if not immediately removed in early spring.</p>
<p>Download our free PDF worksheet for an easy-to-use seasonal maintenance task chart.</p>
<p>Douglas Trattner has covered home maintenance and improvement topics for HGTV.com, DIYNetworks, and the Cleveland Plain Dealer. During the 10-year stewardship of his 1925 Colonial, he&#8217;s upgraded the furnace, added insulation, replaced most appliances, and mowed his lawn every time but once.</p>
<h6>Visit houselogic.com for more articles like this. Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®<br />
Copyright 2010.  All rights reserved.</h6>
<p>________________________________________________________________</p>
<p><img title="Debbie prof photo.4.19.06" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/Debbie-prof-photo.4.19.061-150x150.jpg" alt="" width="150" height="150" /></p>
<h2>Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR</h2>
<h2>Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914</h2>
<h2><a href="mailto:deb@CapeDeb.com">deb@CapeDeb.com</a></h2>
<h2><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h2>
<h2>239.233.2322</h2>
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		<title>Cape Coral FL Market Watch (May 2010)</title>
		<link>http://capedeb.com/index.php/2010/05/cape-coral-fl-market-watch/</link>
		<comments>http://capedeb.com/index.php/2010/05/cape-coral-fl-market-watch/#comments</comments>
		<pubDate>Wed, 19 May 2010 13:19:04 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Cape Coral]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[What's New]]></category>
		<category><![CDATA[absorption rate]]></category>
		<category><![CDATA[cape coral land]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Florida Real Estate]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[Southwest Florida]]></category>
		<category><![CDATA[sw florida]]></category>
		<category><![CDATA[Waterfront]]></category>

		<guid isPermaLink="false">http://capedeb.com/?p=739</guid>
		<description><![CDATA[
Paradise is selling fast! 
There are currently:
2298 single family homes for sale in Cape Coral, FL
1679 homes have sold in the past three months
That leaves us with an absorption rate of: 4.1 months  
What [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter size-thumbnail wp-image-742" title="j0441458" src="http://capedeb.com/wordpress/wp-content/uploads/2010/05/j04414581-150x150.png" alt="" width="150" height="150" /></p>
<p>Paradise is selling fast! </p>
<p>There are currently:</p>
<p>2298 single family homes for sale in Cape Coral, FL</p>
<p>1679 homes have sold in the past three months</p>
<p>That leaves us with an absorption rate of: 4.1 months  </p>
<p>What does that mean? </p>
<p>Let’s say that not another house went on the market.  How long would it take to sell the existing inventory?  Only 4.1 months…. </p>
<p>Rule of thumb:</p>
<p>A ‘normal’ real estate market (if there is such a thing) has an absorption rate of 6%</p>
<p>When is it a buyers market?  When the absorption rate is over 6 %</p>
<p>When is it a sellers market?  When the absorption rate is under 6% </p>
<p>You can have some of this <strong>FABULOUS</strong> weather too but you better hurry. </p>
<p><strong>RUN</strong> don’t walk…..</p>
<p>Paradise is selling fast!</p>
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		<title>April 2010 Newsletter….Cape Coral FL Real Estate News from Cape Deb………</title>
		<link>http://capedeb.com/index.php/2010/04/april-2010-newsletter%e2%80%a6-cape-coral-fl-real-estate-news-from-cape-deb%e2%80%a6%e2%80%a6%e2%80%a6/</link>
		<comments>http://capedeb.com/index.php/2010/04/april-2010-newsletter%e2%80%a6-cape-coral-fl-real-estate-news-from-cape-deb%e2%80%a6%e2%80%a6%e2%80%a6/#comments</comments>
		<pubDate>Sun, 25 Apr 2010 16:18:18 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Cape Coral]]></category>
		<category><![CDATA[cape coral real estate]]></category>
		<category><![CDATA[Florida Real Estate]]></category>
		<category><![CDATA[newsletter]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[Southwest Florida]]></category>
		<category><![CDATA[SW Florida Real Estate]]></category>

		<guid isPermaLink="false">http://capedeb.com/?p=691</guid>
		<description><![CDATA[April 2010
                           
                                        
State and National News:

New Federal Short Sale Program   Read more….
Fed: Homes with Chinese Drywall must be gutted   Read more&#8230;
Home Sales show healthy gain   Read more&#8230;
Federal Foreclosure Program announced   Read more&#8230;
Condo Lending   Read more&#8230;
The Recession is [...]]]></description>
			<content:encoded><![CDATA[<h2>April 2010</h2>
<pre><img title="Newsletter - use full" src="http://capedeb.com/wordpress/wp-content/uploads/2010/01/CapeDeb-photo.for-postcards.2.jpg" alt="" width="928" height="252" />                           </pre>
<p>                                        </p>
<h2>State and National News:</h2>
<ul>
<li>New Federal Short Sale Program   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=237290" target="_blank">Read more….</a></li>
<li>Fed: Homes with Chinese Drywall must be gutted   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=237283" target="_blank">Read more&#8230;</a></li>
<li>Home Sales show healthy gain   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=237279" target="_blank">Read more&#8230;</a></li>
<li>Federal Foreclosure Program announced   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=237275" target="_blank">Read more&#8230;</a></li>
<li>Condo Lending   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=237622" target="_blank">Read more&#8230;</a></li>
<li>The Recession is over, but not officially   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=237799" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Taxes and Insurance:</h2>
<ul>
<li>IRS info on Tax Credits   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=237791" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Cape Coral and SW Florida News:</h2>
<ul>
<li>San Souci Bay gets mixed reactions   <a href="http://www.abc-7.com/Global/story.asp?S=12338695" target="_blank">Read more&#8230;</a></li>
<li>New Life for River Hall   <a href="http://www.news-press.com/article/20100409/BUSINESS/4090394/1014/business/New-life-for-project-in-east-Lee-County" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Real Estate Tips:</h2>
<ul>
<li>Is your house in a Flood Zone?   <a href="http://www.freeflood.net/" target="_blank">Read more&#8230;</a></li>
<li>Simple Spring Decorating Tips   <a href="http://lifestyle.msn.com/your-home/room-makeovers/staticslideshowhb.aspx?cp-documentid=23711924" target="_blank">Read more&#8230;</a></li>
<li>Gardening Ideas   <a href="http://lifestyle.msn.com/your-home/gardening/staticslideshowcl.aspx?cp-documentid=23720323" target="_blank">Read more&#8230;</a></li>
<li>8 Things to get rid off   <a href="http://lifestyle.msn.com/your-home/cleaning-organizing/article.aspx?cp-documentid=23711930" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Green News:</h2>
<ul>
<li>Manatee rescued in North Fort Myers   <a href="http://www.news-press.com/section/videonetwork?bctid=79847159001#/Frontpage/Manatee%20Rescue%20in%20North%20Fort%20Myers/49408408001/48741885001/79847159001" target="_blank">Read more&#8230; </a></li>
</ul>
<p>_____________________________________________________________________</p>
<h1>Check out my new website at</h1>
<h1><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h1>
<p> </p>
<p>     ______________________________________________________________________</p>
<h1>  7 Gardening Mistakes to Avoid </h1>
<p>   <img class="aligncenter size-thumbnail wp-image-693" title="42-16223201" src="http://capedeb.com/wordpress/wp-content/uploads/2010/04/j0431721-150x150.jpg" alt="" width="150" height="150" /></p>
<h6>Article From HouseLogic.com By: Oliver Marks<br />
Published: March 15, 2010</h6>
<p>Novice gardeners can get their landscapes off to a healthy start by heeding some tried-and-true tips from the pros.</p>
<p>Gardening is just about the simplest do-it-yourself home improvement work there is. If you can dig a hole, turn on a spigot, and snip a dead flower off a vine, you&#8217;ve got the basic skills down. Still, you do have to make some judgment calls, so it helps to know the ground rules, so to speak, that can help you avoid making some rookie mistakes.</p>
<h2>Mistake #1: Making changes too soon</h2>
<p>Take the excitement of buying a home, add a nice stretch of spring weather, and you get a lot of enthusiasm for doing yard work. That&#8217;s great; seize the day, but don&#8217;t jump into wholesale landscape changes, like pulling out plants or reorganizing the layout quite yet.</p>
<p>&#8220;That weed that you want to yank out in the spring might turn out to be a gorgeous fall-blooming vine,&#8221; says Gary Blondell, owner of Gary&#8217;s Gardens, a nursery in Severna Park, Md. Plus, it takes time to learn the landscape and figure out exactly what changes make sense.</p>
<p><strong>Avoid this by:</strong> Living with the landscape for a full year, so you can observe it in all seasons.</p>
<h2>Mistake #2: Planting too close together</h2>
<p>You buy a wheelbarrow full of young shrubs and perennials and plant them in a pleasing arrangement. But if they look properly spaced now, they&#8217;re actually way too close together.</p>
<p>Unless you&#8217;re creating an evergreen hedge, when the idea is packing things tightly together, the immature plantings will grow into each other in a few years and struggle to compete for sun, water, and soil nutrients. You&#8217;ll either have to dig them up and transplant them-or possibly throw them away.</p>
<p><strong>Avoid this by</strong>: Following the spacing requirements on the plant label-even though the results will look absurdly sparse at first.</p>
<h2>Mistake #3: Planting without a plan</h2>
<p>Putting in new garden beds without a long-term landscape plan is like tiling, painting, and wallpapering your house before you figure out your future remodeling plans: There&#8217;s a good chance you&#8217;ll have to undo your efforts in the near future.</p>
<p><strong>Avoid this by:</strong> Drawing a simple, bird&#8217;s eye view sketch of your yard, and figuring out the rough location of any future construction-additions, patios, outbuildings, pools-so you can plant around them.</p>
<p>A good local nursery or home improvement store can help you with your design. Or you can hire a landscape designer to create a starter plan for as little as $250 to $500. Find a professional at the Association of Professional Landscape Designers (http://www.apld.com) or the American Society of Landscape Architects (http://www.asla.org).</p>
<h2>Mistake #4: Neglecting the root ball</h2>
<p>Even the hardiest plants need a little help getting their roots established in their new locations. But just turning on the sprinkler every day to douse the foliage isn&#8217;t enough to ensure that they get the nutrients and hydration they need. You have to get the water to a plant&#8217;s nerve center&#8211;the root ball below ground&#8211;or it&#8217;s going to be stunted or short-lived.</p>
<p><strong>Avoid this by:</strong>Placing the hose near the root ball and setting the water to a trickle for about 20 to 30 minutes. Do this twice a week-more during hot, dry spells-for the first four to 12 weeks. Choosing the right irrigation system can help with this task while saving water (http://www.houselogic.com/articles/water-saving-irrigation-strategies/).</p>
<h2>Mistake #5: Ignoring your yard&#8217;s sun conditions</h2>
<p>Too many nursery shoppers pick plants based only on looks-not the growing conditions they need, which are almost always indicated on a label wrapped around the trunk or a marker pressed into the soil. &#8220;They put a sun-loving perennial under a dense tree or something that wants partial shade out in full-day sunshine,&#8221; says Blondell. &#8220;It looks great for about a week, and then it begins to die.&#8221;</p>
<p><strong>Avoid this by:</strong> Watching the spot where you&#8217;re going to put the plant and estimating the amount of sun it gets over the course of the day during the growing season. To translate that to the language on plant labels, use this key:</p>
<p> Full Sun 6 hours a day or more Part Sun/Part Shade 3 to 5 hours Shade Less than 3 hours</p>
<h2> Mistake #6: Misusing irrigation systems</h2>
<p>An automatic irrigation system is a luxury that allows you to keep your landscape hydrated throughout the growing season with almost no effort. Unfortunately, with the wrong settings, it can also bring disease, root rot, and an untimely death to the plants in your landscape.</p>
<p>&#8220;People tend to set their systems to come on for 15 or 20 minutes each morning,&#8221; says Blondell. &#8220;That provides a nice saturation of the surface, but not a deep penetrating soak to reach the roots of large shrubs and trees.&#8221; And a deeper soak is better for the lawn, too, because it promotes deep root systems.</p>
<p><strong>Avoid this by:</strong> Watering for longer intervals-say, 40 to 60 minutes-only two to three times a week. Check with the company that maintains your irrigation system for local recommendations.</p>
<h2>Mistake #7: Not budgeting for landscaping during construction projects</h2>
<p>Whether you&#8217;re building a house or an addition, the bulldozers that excavate the job and the pickups that park on the lawn will damage the grass, trees, and shrubs. And the new building configuration will call for new landscape plantings.</p>
<p>Unfortunately, homeowners don&#8217;t often include money in their budgets for this work. So you wind up with a beautiful new family room, screened porch, or solarium, with a few azaleas thrown in around the foundation as an afterthought.</p>
<p><strong>Avoid this by:</strong>Allocating 10 to 20 percent of your construction budget to the landscape-both hardscaping and plants-or at least making plans to spend that money as soon as possible after the construction job is complete.</p>
<p>A former carpenter and newspaper reporter, Oliver Marks has been writing about home improvements for 16 years. He&#8217;s entering his second summer at his house and has big plans for upgrading its scraggly foundation plantings.</p>
<h6>Visit houselogic.com for more articles like this. Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®<br />
Copyright 2010.  All rights reserved.</h6>
<p>______________________________________________________________________</p>
<h2> <img title="Debbie prof photo.4.19.06" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/Debbie-prof-photo.4.19.061-150x150.jpg" alt="" width="150" height="150" /></h2>
<h2>Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR</h2>
<h2>Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914</h2>
<h2><a href="mailto:deb@CapeDeb.com">deb@CapeDeb.com</a></h2>
<h2><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h2>
<h2>239.233.2322</h2>
<h2>To remove your name from our mailing list, please <a href="mailto:deb@CapeDeb.com?subject=Please%20remove%20my%20name...">click here</a></h2>
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		<title>Sold!-Buildable WATERFRONT Lot with Access to the Gulf of Mexico&#8230;.$49,900</title>
		<link>http://capedeb.com/index.php/2010/04/buildable-waterfront-lot-with-access-to-the-gulf-of-mexico-49900/</link>
		<comments>http://capedeb.com/index.php/2010/04/buildable-waterfront-lot-with-access-to-the-gulf-of-mexico-49900/#comments</comments>
		<pubDate>Wed, 21 Apr 2010 16:45:57 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Featured Homes]]></category>
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		<guid isPermaLink="false">http://capedeb.com/?p=522</guid>
		<description><![CDATA[
GULF ACCESS lot located on the Fishingrod Canal! This fabulous home site offers an eastern exposure making morning sunrises a view to behold. Located in desirable Unit 59&#8230;a short boat [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="size-thumbnail wp-image-523  aligncenter" title="boating view.1.27.10" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/boating-view.1.27.10-150x150.jpg" alt="" width="150" height="150" /></p>
<p>GULF ACCESS lot located on the Fishingrod Canal! This fabulous home site offers an eastern exposure making morning sunrises a view to behold. Located in desirable Unit 59&#8230;a short boat ride to Matlacha Pass and the Gulf of Mexico. Imagine building your dream home&#8230;.walking out your back door&#8230;..getting in your boat and heading out to any where in the world. Now that&#8217;s ACCESS!!! No waiting around for an answer on this one seller promises quick response to all offers.</p>
<p>Cape Coral is one of the magical jewels of SW Florida…hundreds of miles of waterfront canals….palm trees……blue skies and lots of SUNSHINE!  Located just a 35 minute ride from the Fort Myers International Airport, 15 mile drive to the sandy beaches of Sanibel, 35 miles to Naples….</p>
<p>For more info <a href="http://fgcmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Fortmyers&amp;PRGNAME=MLSLogin&amp;ARGUMENT=LPhVJp%2BHoZWxt04UX4Pwa1fIXH4ihjUKScSeet7MbeA%3D&amp;KeyRid=1" target="_blank">CLICK HERE</a></p>
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		<title>March 2010 Newsletter….Cape Coral FL Real Estate News from Cape Deb………</title>
		<link>http://capedeb.com/index.php/2010/03/643/</link>
		<comments>http://capedeb.com/index.php/2010/03/643/#comments</comments>
		<pubDate>Sat, 27 Mar 2010 18:08:35 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Newsletters]]></category>
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		<description><![CDATA[MARCH 2010
                           
                                        
State and National News:

Short Sale Incentives start April 5th   Read more….
New Foreclosure Prevention Plan Announced   Read more&#8230;
Experts says Real Estate is Recovering   Read more&#8230;
Financial help for homeowners with defective drywall   Read more&#8230;
Government unveils [...]]]></description>
			<content:encoded><![CDATA[<h2>MARCH 2010</h2>
<pre><img title="Newsletter - use full" src="http://capedeb.com/wordpress/wp-content/uploads/2010/01/CapeDeb-photo.for-postcards.2.jpg" alt="" width="928" height="252" />                           </pre>
<p>                                        </p>
<h2>State and National News:</h2>
<ul>
<li>Short Sale Incentives start April 5th   <a href="http://www.realtor.org/rmodaily.nsf/pages/News2010032202?OpenDocument" target="_blank">Read more….</a></li>
<li>New Foreclosure Prevention Plan Announced   <a href="http://www.realtor.org/rmodaily.nsf/pages/News2010032601?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>Experts says Real Estate is Recovering   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010031502?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>Financial help for homeowners with defective drywall  <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=236244" target="_blank"> Read more&#8230;</a></li>
<li>Government unveils plan to shrink some home loans   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=236654" target="_blank">Read more&#8230;</a></li>
<li>Health Care Reform Bill passes   <a href="http://www.realtor.org/rmodaily.nsf/pages/News2010032201?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>Investors are buying houses again   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=236248" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Taxes and Insurance:</h2>
<ul>
<li>Redrawn FEMA maps   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=236263" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Cape Coral and SW Florida News:</h2>
<ul>
<li>Cape Coral Sewer summit   <a href="http://www.news-press.com/article/20100324/NEWS0101/100323074/1003/ACC/Cape" target="_blank">Read more&#8230;</a></li>
<li>Cape Coral Realtors strive  <a href="http://www.news-press.com/article/20100326/NEWS0101/3260308/1003/ACC/Cape-Re" target="_blank">Read more&#8230;</a></li>
<li>Celebrate New Bedford day   <a href="http://www.news-press.com/article/20100326/NEWS0101/3260315/1003/ACC/Hundred" target="_blank">Read more&#8230;</a></li>
<li>Development excites Cape Coral   <a href="http://www.news-press.com/article/20100321/NEWS0101/3210374/1014/news0128/De" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Real Estate Tips:</h2>
<ul>
<li>Get your house ready for Spring   <a href="http://lifestyle.msn.com/your-home/cleaning-organizing/staticslideshowcl.aspx?cp-documentid=23553749" target="_blank">Read more&#8230;</a></li>
<li>Landscape Design Courses   <a href="http://landscaping.about.com/od/freelandscapingcourses/Free_Landscape_Design_Courses.htm" target="_blank">Read more&#8230;</a></li>
<li>Bathroom Storage ideas   <a href="http://www.diynetwork.com/bathroom/10-stylish-bathroom-storage-ideas/pictures/index.html" target="_blank">Read more&#8230;</a></li>
<li>How to hang artwork   <a href="http://www.diynetwork.com/how-to/how-to-hang-artwork/index.html" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Green News:</h2>
<ul>
<li>Cape Coral plans to cut consumption   <a href="http://www.news-press.com/article/20100327/NEWS0101/3270348/1133/GREEN/Cape-Coral-plans-to-cut-consumption-to-slash-energy-costs" target="_blank">Read more&#8230; </a></li>
</ul>
<p>_____________________________________________________________________</p>
<h1>Check out my new website at</h1>
<h1><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h1>
<p> </p>
<p>     ______________________________________________________________________</p>
<h2><img class="aligncenter size-thumbnail wp-image-646" title="j0443439" src="http://capedeb.com/wordpress/wp-content/uploads/2010/03/j0443439-150x150.jpg" alt="" width="150" height="150" /></h2>
<p> </p>
<h1>The Pros and Cons of Condos&#8230;&#8230;. </h1>
<p>Condominiums and townhouses offer an affordable option to single-family homes in most areas. But consider these facts before you buy. </p>
<ol>
<li><strong>Storage</strong>. Some condos have storage lockers, but usually there are no attics or basements to store belongings. </li>
<li><strong>Outdoor space</strong>. Yards and outdoor areas are usually smaller in condos, so if you like to garden or entertain outdoors, this may not be a good fit. However, if you hate yard work, this may be the perfect option for you.</li>
<li> <strong>Amenities</strong>. Many condo properties have swimming pools, fitness centers, and other facilities that would be very expensive in a single-family home. </li>
<li><strong>Maintenance</strong>. Many condos have onsite maintenance personnel to care for common areas, do repairs in your unit, and let in workers when you’re not home. </li>
<li><strong>Security</strong>. Many condos have keyed entries and or even door attendants. Plus, you’ll be closer to other people in case of an emergency. </li>
<li><strong>Reserve funds and association fees</strong>. Although fees generally help pay for amenities and provide savings for future repairs, you will have to pay the fees agreed to by the condo board, whether or not you’re interested in the amenity or not. </li>
<li><strong>Resale</strong>. The ease of selling your unit is more dependent on what else is for sale in your building, since units are usually fairly similar. Single-family homes usually are more individual. </li>
<li><strong>Freedom</strong>. Although you have a vote, the rules of the condo association can affect your ability to use your property. For example, some condos prohibit home-based businesses. Others prohibit pets. Read the covenants, restrictions, and bylaws of the condo carefully before you make an offer. </li>
<li><strong>Proximity</strong>. You’re much closer to your neighbors in a condo or townhome. If possible, try to meet your closest prospective neighbors before making a decision.</li>
</ol>
<h6>Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS®</h6>
<h6>Copyright 2005. All rights reserved.                        www.REALTOR.org/realtormag           </h6>
<p>______________________________________________________________________</p>
<h2> <img title="Debbie prof photo.4.19.06" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/Debbie-prof-photo.4.19.061-150x150.jpg" alt="" width="150" height="150" /></h2>
<h2>Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR</h2>
<h2>Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914</h2>
<h2><a href="mailto:deb@CapeDeb.com">deb@CapeDeb.com</a></h2>
<h2><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h2>
<h2>239.233.2322</h2>
<h2>To remove your name from our mailing list, please <a href="mailto:deb@CapeDeb.com?subject=Please%20remove%20my%20name...">click here</a></h2>
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		<title>Cape Coral/Fort Myers Real Estate Stats&#8230;.</title>
		<link>http://capedeb.com/index.php/2010/03/cape-coralfort-myers-real-estate-stats/</link>
		<comments>http://capedeb.com/index.php/2010/03/cape-coralfort-myers-real-estate-stats/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 22:45:48 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
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		<guid isPermaLink="false">http://capedeb.com/?p=388</guid>
		<description><![CDATA[
Newly released by the Realtor® Association of Greater Fort Myers &#38; the Beach, Inc:
February 2010
In February, our members sold 1,141 single-family homes, which is 21.9% above last year and 12% above [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter size-medium wp-image-389" title="stock investment" src="http://capedeb.com/wordpress/wp-content/uploads/2010/01/j0442414-300x200.jpg" alt="" width="300" height="200" /></p>
<p>Newly released by the Realtor® Association of Greater Fort Myers &amp; the Beach, Inc:</p>
<p>February 2010</p>
<p>In February, our members sold 1,141 single-family homes, which is 21.9% above last year and 12% above the prior month. The median price of a single family home in the Greater Fort Myers area was $85,000, down 5.6% from $90,000 a year ago due to the continued influence of distressed properties on the market. Buyers from around the country (and the world) continue to be attracted to our area because of the affordability, the low interest rates and the looming deadline for the home buyer tax credit.</p>
<p>January 2010</p>
<p><span style="color: #333333;">In January, a total of 1,079 homes were sold by members of the MLS, which is 22.5 percent more homes than the previous January. 1,799 pending sales were recorded, which is 29.8 percent lower than January 2009 and 48.2 percent lower than the prior month. The decline in pending home sales resulted in the months of inventory growing from 2.0 months in December to 4.1 months in January &#8211; this figure is still below what is considered to be a balanced market &#8211; 5-6 months of available inventory. </span></p>
<p><span style="font-family: Arial, Helvetica, sans-serif;">December 2009:</span></p>
<p><span style="font-family: Arial, Helvetica, sans-serif;">Members of the Association closed 1,340 single family home sales in December, bringing the total for 2009 to 16,789; this is a 91.4 percent increase vs. 2008 when 8,768 homes were sold.  Of the December sales, 48.3 percent were bank-owned, 18.2% were short sales and the remaining traditional sales made up 33.4 %. The median price was $89,929, which is 8.0 percent lower than the prior December; however, the median price continues to be driven down by the number of bank-owned and short sales properties. During Quarter 4, the median price for traditional sales was $135,000 (a 3.5 % decrease from the prior quarter), for bank-owned sales it was $69,900 (up 2.7 %) and the median price for short sales was $94,950 (up 6.6 % from last quarter).</span></p>
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		<title>February 2010 Newsletter….Cape Coral FL Real Estate News from Cape Deb………</title>
		<link>http://capedeb.com/index.php/2010/02/february-2010-newsletter%e2%80%a6-cape-coral-fl-real-estate-news-from-cape-deb%e2%80%a6%e2%80%a6%e2%80%a6/</link>
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		<pubDate>Sat, 27 Feb 2010 16:49:56 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Cape Coral]]></category>
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		<guid isPermaLink="false">http://capedeb.com/?p=560</guid>
		<description><![CDATA[February 2010
                           
                                        
State and National News:

Interest Rates to remain low   Read more….
Foreclosure bargains getting harder to find   Read more&#8230;
Should buyers try to beat the tax credit?   Read more&#8230;
10 Cities with climbing home prices   Read [...]]]></description>
			<content:encoded><![CDATA[<h2 style="text-align: right;">February 2010</h2>
<pre><img title="Newsletter - use full" src="http://capedeb.com/wordpress/wp-content/uploads/2010/01/CapeDeb-photo.for-postcards.2.jpg" alt="" width="928" height="252" />                           </pre>
<p>                                        </p>
<h2>State and National News:</h2>
<ul>
<li>Interest Rates to remain low   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010022501?OpenDocument" target="_blank">Read more….</a></li>
<li>Foreclosure bargains getting harder to find   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010022302?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>Should buyers try to beat the tax credit?   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010022602?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>10 Cities with climbing home prices   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010022502?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>Bankers: the end of the foreclosure crisis is near   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010022203?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>Vacant lots become hot property   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=232906" target="_blank">Read more&#8230;</a></li>
<li>Company out of drywall trial   <a href="http://www.news-press.com/article/20100220/NEWS01/2200365/-1/nletter01/Compa" target="_blank">Read more&#8230;</a></li>
<li>4 Reasons to Sell Now   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010020801?OpenDocument" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Taxes and Insurance:</h2>
<ul>
<li>What&#8217;s need to claim tax credit?   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010022201?OpenDocument" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Cape Coral and SW Florida News:</h2>
<ul>
<li>Cape Coral at top of the list for affordable housing   <a href="http://www.lehighacrescitizen.com/page/content.detail/id/507770/Cape-area-at-top-of-list-for-affordable-housing.html?nav=5110" target="_blank">Read more&#8230;</a></li>
<li>Lee County looking up, but a long way to go   <a href="http://www.naplesnews.com/news/2010/jan/29/lee-economy-looking-long-way-go-leader-says/" target="_blank">Read more&#8230;</a></li>
</ul>
<p> Real Estate Tips:</p>
<ul>
<li>The kitchen is still king   <a href="http://www.marketwatch.com/story/story/print?guid=BE8A874D-F71D-4D9B-A584-1ACC9382E621" target="_blank">Read more&#8230;</a></li>
<li>Top 7 credit score mistakes   <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=232165" target="_blank">Read more&#8230;</a></li>
<li>Conquering Sentimental Clutter   <a href="http://lifestyle.msn.com/your-home/cleaning-organizing/articless.aspx?cp-documentid=23522202" target="_blank">Read more&#8230;</a></li>
<li>10 Home features buyers want   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010020101?OpenDocument" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Green News:</h2>
<ul>
<li>Manatee  in Cape Coral   <a href="http://www.youtube.com/watch?v=dHpqAy0LYcM" target="_blank">Watch video&#8230;. </a></li>
</ul>
<p>_____________________________________________________________________</p>
<h1>Check out my new website at</h1>
<h1><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h1>
<p> </p>
<p>     ______________________________________________________________________</p>
<h2><img class="aligncenter size-thumbnail wp-image-564" title="j0443939" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/j0443939-150x150.jpg" alt="" width="150" height="150" /></h2>
<h3><span style="color: #339966;">  10 Ways to Make Your House More Salable&#8230;&#8230;. </span></h3>
<p>1.      Get rid of clutter. Throw out or file stacks of newspapers and magazines. Pack away most of your small decorative items. Store out-of-season clothing to make closets seem roomier. Clean out the garage.  </p>
<p>2.      Wash your windows and screens to let more light into the interior.  </p>
<p>3.      Keep everything extra clean. Wash fingerprints from light switch plates. Mop and wax floors. Clean the stove and refrigerator. A clean house makes a better first impression and convinces buyers that the home has been well cared for.  </p>
<p>4.      Get rid of smells. Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Open the windows.  </p>
<p>5.      Put higher wattage bulbs in light sockets to make rooms seem brighter, especially basements and other dark rooms. Replace any burnt-out bulbs.  </p>
<p>6.      Make minor repairs that can create a bad impression. Small problems, such as sticky doors, torn screens, cracked caulking, or a dripping faucet, may seem trivial, but they’ll give buyers the impression that the house isn’t well maintained.  </p>
<p>7.      Tidy your yard. Cut the grass, rake the leaves, trim the bushes, and edge the walks. Put a pot or two of bright flowers near the entryway.  </p>
<p>8.      Patch holes in your driveway and reapply sealant, if applicable.  </p>
<p>9.      Clean your gutters.  </p>
<p>10.  Polish your front doorknob and door numbers.  </p>
<h6>Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS®</h6>
<h6>Copyright 2005. All rights reserved.                        www.REALTOR.org/realtormag           </h6>
<p>______________________________________________________________________</p>
<h2> <img class="aligncenter size-thumbnail wp-image-571" title="Debbie prof photo.4.19.06" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/Debbie-prof-photo.4.19.061-150x150.jpg" alt="" width="150" height="150" /></h2>
<h2>Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR</h2>
<h2>Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914</h2>
<h2><a href="mailto:deb@CapeDeb.com">deb@CapeDeb.com</a></h2>
<h2><a href="http://www.capedeb.com/">www.CapeDeb.com</a></h2>
<h2>239.233.2322</h2>
<h2>To remove your name from our mailing list, please <a href="mailto:deb@CapeDeb.com?subject=Please%20remove%20my%20name...">click here</a></h2>
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		<title>Cape Coral Real Estate Market&#8230;.Absorption Rate (Feb 2010)</title>
		<link>http://capedeb.com/index.php/2010/02/cape-coral-real-estate-market/</link>
		<comments>http://capedeb.com/index.php/2010/02/cape-coral-real-estate-market/#comments</comments>
		<pubDate>Sat, 20 Feb 2010 12:35:33 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
				<category><![CDATA[Buyers]]></category>
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		<category><![CDATA[absorption rate]]></category>
		<category><![CDATA[Cape Coral]]></category>
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		<category><![CDATA[foreclosures]]></category>
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		<guid isPermaLink="false">http://capedeb.com/?p=363</guid>
		<description><![CDATA[
You can have some of this FABULOUS weather too but you better hurry.  Paradise is selling fast!
There are currently:

2414 single family homes for sale in Cape Coral, FL
1402 homes have sold [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="aligncenter size-medium wp-image-366" title="Cape Coral Real Estate Market" src="http://capedeb.com/wordpress/wp-content/uploads/2010/01/j04409661-300x225.jpg" alt="" width="300" height="225" /></p>
<p>You can have some of this <strong>FABULOUS</strong> weather too but you better hurry.  Paradise is selling fast!</p>
<p>There are currently:</p>
<ul>
<li>2414 single family homes for sale in Cape Coral, FL</li>
<li>1402 homes have sold in the past three months</li>
</ul>
<p>That leaves us with an absorption rate of: 5.1 months</p>
<p>What does that mean?</p>
<p>Let’s say that not another house went on the market.  How long would it take to sell the existing inventory?  Only 5.1 months….</p>
<p>Rule of thumb:</p>
<ul>
<li>A ‘normal’ real estate market (if there is such a thing) has an absorption rate of 6%</li>
<li>When is it a buyers market?  When the absorption rate is over 6 %</li>
<li>When is it a sellers market?  When the absorption rate is under 6%</li>
</ul>
<p style="text-align: left;">The tide has turned…but the deals are still available.  But  <strong>RUN</strong> don’t walk…..</p>
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		<title>SOLD! &#8211; A TRUE TROPICAL HOME&#8230;$149,900</title>
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		<pubDate>Fri, 05 Feb 2010 22:06:15 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
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		<description><![CDATA[Under Agreement in 1 day&#8230;
If you are looking for that TRUE TROPICAL HOME &#8211; This is it!!! This exceptional home was once the model home for Maxson builders. It&#8217;s the [...]]]></description>
			<content:encoded><![CDATA[<h1><span style="color: #ff0000;">Under Agreement in 1 day&#8230;</span><img class="aligncenter size-thumbnail wp-image-490" title="0-Front walk" src="http://capedeb.com/wordpress/wp-content/uploads/2010/02/0-Front-walk-150x150.jpg" alt="" width="150" height="150" /></h1>
<p>If you are looking for that TRUE TROPICAL HOME &#8211; This is it!!! This exceptional home was once the model home for Maxson builders. It&#8217;s the only one of its kind and boast numerous upgrades: seven shatterproof sliding glass doors, pullout kitchen cabinet drawers, tile backsplash, Cedar wood exterior trim, 32&#8242; custom Solar Heated Pool with cover, termite prevention system, two a/c returns, Cathedral ceilings, Roman tub in guest bath, separate shower and tub/shower combo in Master Bath, paneled doors, side door in garage, custom mirrors..do I need to continue? And the gardens..ahhhhhh the gardens..you can see them from the sliders in every bedroom, the atrium located off the den area, and the oversized pool deck; all make this the true Florida dream home.</p>
<p><a href="http://fgcmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Fortmyers&amp;PRGNAME=MLSLogin&amp;ARGUMENT=LPhVJp%2BHoZWxt04UX4Pwa%2BRNwip%2BOrrR0dcPD1LajFk%3D&amp;KeyRid=1" target="_blank">click here</a> for more pictures and info</p>
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		<title>January 2010 Newsletter&#8230;.Cape Coral FL Real Estate News from Cape Deb&#8230;&#8230;&#8230;</title>
		<link>http://capedeb.com/index.php/2010/01/january-2010-newsletter-cape-coral-fl-real-estate-news-from-cape-deb/</link>
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		<pubDate>Sat, 30 Jan 2010 17:06:09 +0000</pubDate>
		<dc:creator>CapeDeb</dc:creator>
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		<description><![CDATA[ January 2010
                           
                                        
State and National News:

Feds set criteria for Defective Drywall diagnosis  Read more….
HUD and CPSC issue guide on identifying toxic drywall  Read more&#8230;
Federal Short Sale Guidelines could speed up transactions   Watch Video for more&#8230;
Banks [...]]]></description>
			<content:encoded><![CDATA[<h2 style="text-align: right;"> January 2010</h2>
<pre style="text-align: right;"><img class="aligncenter size-full wp-image-343" title="Newsletter - use full" src="http://capedeb.com/wordpress/wp-content/uploads/2010/01/CapeDeb-photo.for-postcards.2.jpg" alt="" width="928" height="252" />                           </pre>
<p style="text-align: right;">                                        </p>
<h2>State and National News:</h2>
<ul>
<li>Feds set criteria for Defective Drywall diagnosis  <a href="http://www.news-press.com/article/20100129/NEWS01/1290400/1002/Feds-set-firs" target="_blank">Read more….</a></li>
<li>HUD and CPSC issue guide on identifying toxic drywall  <a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=231327" target="_blank">Read more&#8230;</a></li>
<li>Federal Short Sale Guidelines could speed up transactions   <a href="http://link.brightcove.com/services/player/bcpid1785312249?bclid=1740033302&amp;bctid=62463754001" target="_blank">Watch Video for more&#8230;</a></li>
<li>Banks seek payback from walkaways   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010012802?OpenDocument" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Taxes and Insurance:</h2>
<ul>
<li>Energy efficiency can bring take savings   <a href="http://www.capecodonline.com/apps/pbcs.dll/article?AID=/20100124/BIZ/1240304" target="_blank">Read more&#8230;</a></li>
<li>Tax incentives   <a href="http://realtytimes.com/rtpages/20100121_green.htm" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Cape Coral and SW Florida News:</h2>
<ul>
<li>10 Most Undervalued Housing Markets   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010012701?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>Crime drops 15.7  percent in Cape Coral  <a href="http://www.news-press.com/article/20100127/CRIME/100127053/1003/ACC/Crime-dr" target="_blank">Read more&#8230;</a></li>
<li>Cape Coral crime rate down   <a href="http://www.news-press.com/article/20100128/CRIME/1280351/1003/ACC/Cape-Coral" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Real Estate Tips:</h2>
<ul>
<li>10 Inexpensive ways to WOW Buyers  <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010012601?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>Housing Components don&#8217;t last forever   <a href="http://www.realtor.org/RMODaily.nsf/pages/News2010012503?OpenDocument" target="_blank">Read more&#8230;</a></li>
<li>The world&#8217;s 18 Strangest Homes   <a href="http://realestate.msn.com/slideshow.aspx?cp-documentid=23303422&amp;gt1=35000" target="_blank">Read more&#8230;</a></li>
<li>7 ways to improve your homes sell-ability   <a href="http://realestate.msn.com/article.aspx?cp-documentid=23214579&amp;gt1=35000" target="_blank">Read more&#8230;</a></li>
</ul>
<h2> Green News:</h2>
<ul>
<li>Manatee deaths a record   <a href="http://www.sptimes.com/2007/01/10/State/Manatee_deaths__a_rec.shtml" target="_blank">Read more&#8230; </a></li>
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<h1 style="text-align: center;">Check out my new website at</h1>
<h1 style="text-align: center;"><a href="http://www.CapeDeb.com">www.CapeDeb.com</a></h1>
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<h2>8 Steps to Getting Your Finances in Order&#8230;&#8230;.<strong> </strong></h2>
<p><strong>Develop a family budget</strong>. Instead of budgeting what you’d like to spend, use receipts to create a budget for what you actually spent over the last six months. One advantage of this approach is that it factors in unexpected expenses, such as car repairs, illnesses, etc., as well as predictable costs such as rent. </p>
<p><strong>Reduce your debt</strong>. Generally speaking, lenders look for a total debt load of no more than 36 percent of income. Since this figure includes your mortgage, which typically ranges between 25 percent and 28 percent of income, you need to get the rest of installment debt—car loans, student loans, revolving balances on credit cards—down to between 8 percent and 10 percent of your total income. </p>
<p><strong>Get a handle on expenses</strong>. You probably know how much you spend on rent and utilities, but little expenses add up. Try writing down <em>everything</em> you spend for one month. You’ll probably see some great ways to save. </p>
<p><strong>Increase your income</strong>. It may be necessary to take on a second, part-time job to get your income at a high-enough level to qualify for the home you want. </p>
<p><strong>Save for a downpayment</strong>. Although it’s possible to get a mortgage with only 5 percent down—or even less in some cases—you can usually get a better rate and a lower overall cost if you put down more. Shoot for saving a 20 percent downpayment. </p>
<p><strong>Create a house fund</strong>. Don’t just plan on saving whatever’s left toward a downpayment. Instead decide on a certain amount a month you want to save, then put it away as you pay your monthly bills.</p>
<p> <strong>Keep your job</strong>. While you don’t need to be in the same job forever to qualify, having a job for less than two years may mean you have to pay a higher interest rate. </p>
<p><strong>Establish a good credit history</strong>. Get a credit card and make payments by the due date. Do the same for all your other bills. Pay off the entire balance promptly.</p>
<h6 style="text-align: center;">Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS®</h6>
<h6 style="text-align: center;">Copyright 2005. All rights reserved.                        www.REALTOR.org/realtormag           </h6>
<p style="text-align: center;"><span style="color: #ff6600;">______________________________________________________________________</span></p>
<p style="text-align: center;"><span style="color: #000000;">Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR</span></p>
<p style="text-align: center;"><span style="color: #000000;">Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914</span></p>
<p style="text-align: center;"><span style="color: #000000;"><a href="mailto:deb@CapeDeb.com">deb@CapeDeb.com</a></span></p>
<p style="text-align: center;"><span style="color: #000000;"><a href="http://www.CapeDeb.com">www.CapeDeb.com</a></span></p>
<p style="text-align: center;"><span style="color: #000000;">239.233.2322</span></p>
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