Archives for December 2012

Denver Realtor: Home Safety Tips

Denver Realtor Chris Gibson: “I received this e-mail from a friend and I felt like it had some good home safety tips even if I don’t subscribe to every idea.”

13 THINGS YOUR BURGLAR WON’T TELL YOU

I am particularly interested in the part about the wasp spray…

Denver Realtor Home Safety Tips

Denver Realtor Home Safety Tips

  1. Of course I look familiar. I was here just last week cleaning your carpets, painting your shutters, or delivering your new refrigerator.
  2. Hey, thanks for letting me use the bathroom when I was working in your yard last week. While I was in there, I unlatched the back window to make my return a little easier.
  3. Love those flowers. That tells me you have taste… and taste means there are nice things inside. Those yard toys your kids leave out always make me wonder what type of gaming system they have.
  4. Yes, I really do look for newspapers piled up on the driveway. And I might leave a pizza flyer in your front door to see how long it takes you to remove it..
  5. If it snows while you’re out of town, get a neighbour to create car and foot tracks into the house.. Virgin drifts in the driveway are a dead giveaway.
  6. If decorative glass is part of your front entrance, don’t let your alarm company install the control pad where I can see if it’s set. That makes it too easy.
  7. A good security company alarms the window over the sink.. And the windows on the second floor, which often access the master bedroom – and your jewellery. It’s not a bad idea to put motion detectors up there too.
  8. It’s raining, you’re fumbling with your umbrella, and you forget to lock your door – understandable. But understand this: I don’t take a day off because of bad weather.
  9. I always knock first. If you answer, I’ll ask for directions somewhere or offer to clean your gutters. (Don’t take me up on it.)
  10. Do you really think I won’t look in your sock drawer? I always check dresser drawers, the bedside table, and the medicine cabinet.
  11. Here’s a helpful hint: I almost never go into kids’ rooms.
  12. You’re right: I won’t have enough time to break into that safe where you keep your valuables. But if it’s not bolted down, I’ll take it with me.
  13. A loud TV or radio can be a better deterrent than the best alarm system. If you’re reluctant to leave your TV on while you’re out of town, you can buy a $35 device that works on a timer and simulates the flickering glow of a real television. (Find it at http://www.faketv.com/)

8 MORE THINGS A BURGLAR WON’T TELL YOU:

  1. Sometimes, I carry a clipboard. Sometimes, I dress like a lawn guy and carry a rake. I do my best to never, ever look like a crook.
  2. The two things I hate most: loud dogs and nosy neighbours.
  3. I’ll break a window to get in, even if it makes a little noise. If your neighbour hears one loud sound, he’ll stop what he’s doing and wait to hear it again. If he doesn’t hear it again, he’ll just go back to what he was doing. It’s human nature.
  4. I’m not complaining, but why would you pay all that money for a fancy alarm system and leave your house without setting it?
  5. I love looking in your windows. I’m looking for signs that you’re home, and for flat screen TVs or gaming systems I’d like. I’ll drive or walk through your neighbourhood at night, before you close the blinds, just to pick my targets.
  6. Avoid announcing your vacation on your Facebook page. It’s easier than you think to look up your address.
  7. To you, leaving that window open just a crack during the day is a way to let in a little fresh air. To me, it’s an invitation.
  8. If you don’t answer when I knock, I try the door. Occasionally, I hit the jackpot and walk right in.

Sources: Convicted burglars in North Carolina , Oregon , California , and Kentucky ; security consultant Chris McGoey, who runs http://www.crimedoctor.com/ and Richard T. Wright, a criminology professor at the University of Missouri-St. Louis, who interviewed 105 burglars for his book Burglars on the Job.
Protection for you and your home:
If you don’t have a gun, here’s a more humane way to wreck someone’s evil plans for you.

WASP SPRAY

A friend who is a receptionist in a church in a high risk area was concerned about someone coming into the office on Monday to rob them when they were counting the collection. She asked the local police department about using pepper spray and they recommended to her that she get a can of wasp spray instead.

The wasp spray, they told her, can shoot up to twenty feet away and is a lot more accurate, while with the pepper spray, they have to get too close to you and could overpower you. The wasp spray temporarily blinds an attacker until they get to the hospital for an antidote. She keeps a can on her desk in the office and it doesn’t attract attention from people like a can of pepper spray would. She also keeps one nearby at home for home protection.. Thought this was interesting and might be of use.

FROM ANOTHER SOURCE:

On the heels of a break-in and beating that left an elderly woman in Toledo dead, self-defence experts have a tip that could save your life.

Val Glinka teaches self-defence to students at Sylvania Southview High School . For decades, he’s suggested putting a can of wasp and hornet spray near your door or bed.
Glinka says, “This is better than anything I can teach them.”
Glinka considers it inexpensive, easy to find, and more effective than mace or pepper spray. The cans typically shoot 20 to 30 feet; so if someone tries to break into your home, Glinka says, “spray the culprit in the eyes”. It’s a tip he’s given to students for decades. It’s also one he wants everyone to hear. If you’re looking for protection, Glinka says look to the spray.

“That’s going to give you a chance to call the police; maybe get out.” Maybe even save a life..

Put your car keys beside your bed at night.

Tell your spouse, your children, your neighbours, your parents, your Dr.’s office, the check-out girl at the market, everyone you run across. Put your car keys beside your bed at night.

If you hear a noise outside your home or someone trying to get in your house, just press the panic button for your car. The alarm will be set off, and the horn will continue to sound until either you turn it off or the car battery dies. This tip came from a neighbourhood watch coordinator. Next time you come home for the night and you start to put your keys away, think of this: It’s a security alarm system that you probably already have and requires no installation. Test it. It will go off from most everywhere inside your house and will keep honking until your battery runs down or until you reset it with the button on the key fob chain. It works if you park in your driveway or garage. If your car alarm goes off when someone is trying to break into your house, odds are the burglar/rapist won’t stick around. After a few seconds all the neighbours will be looking out their windows to see who is out there and sure enough the criminal won’t want that. And remember to carry your keys while walking to your car in a parking lot. The alarm can work the same way there. This is something that should really be shared with everyone. Maybe it could save a life or a sexual abuse crime.

P.S.
I am sending this to everyone I know because I think it is fantastic. Would also be useful for any emergency, such as a heart attack, where you can’t reach a phone. My Mom has suggested to my Dad that he carry his car keys with him in case he falls outside and she doesn’t hear him. He can activate the car alarm and then she’ll know there’s a problem.

 

Find public reviews of Denver Realtor and real estate agent Christopher Gibson at the following locations:

Yelp Logo 150x150 Denver Realtor review: purchase of 2225 Lowell Blvd Denver CO 80211Google Places Logo1 150x150 Denver Realtor review: purchase of 2225 Lowell Blvd Denver CO 80211 Zillow Logo 150x150 Denver Realtor review: purchase of 2225 Lowell Blvd Denver CO 80211LinkedIn Logo 150x150 Denver Realtor review: purchase of 2225 Lowell Blvd Denver CO 80211

See all reviews of Denver Realtor and real estate agent Christopher Gibson at http://denverrealtor.co/denver-realtor-reviews-real-estate-agent-christopher-gibson/

 

Denver Realtor review: purchase of 2225 Lowell Blvd Denver CO 80211

James P. completed the purchase of 2225 Lowell Blvd, Denver CO 80211, October 31st, 2012. This home is in the Sloans Lake neighborhood. His review of me as a Denver Realtor & real estate agent can be viewed on LinkedIn and is copied and pasted below.

Sloans Lake Neighborhood Denver Realtor

Sloans Lake Neighborhood Denver Realtor

“Of the three agents I worked with Chris was the only one who really worked hard to find me my first home. He provided a level of service not common especially in my entry level price range. Many agents now days just want to get your email and fire off as many houses to your inbox as possible. Chris manually looked for houses that matched what I wanted. Pretty much if he sent me a house it was worth looking at in person. Chris is also much more tech savvy than other agents. If he has the patience to put up with a picky first time buyer like me he can handle any one. I would recommend him to any one and will use him again in the future when needed.”

Find public reviews of Denver Realtor and real estate agent Christopher Gibson at the following locations:

Yelp Logo 150x150 Denver Realtor Reviews: Real Estate Agent Christopher GibsonGoogle Places Logo1 150x150 Denver Realtor Reviews: Real Estate Agent Christopher Gibson Zillow Logo 150x150 Denver Realtor Reviews: Real Estate Agent Christopher GibsonLinkedIn Logo 150x150 Denver Realtor Reviews: Real Estate Agent Christopher Gibson

See all reviews of Denver Realtor and real estate agent Christopher Gibson at http://denverrealtor.co/denver-realtor-reviews-real-estate-agent-christopher-gibson/

Denver Realtor: Larry Armstrong Talks About HECM4P

Denver Realtor: Larry Armstrong says an FHA program, HECM4P, allows retirees to buy a home, making no monthly mortgage payments as long as you live there.

From an article in the Denver Post written by Larry Armstrong on December 2nd, 2012.

Are you 62-plus and hate monthly mortgage payments?

Denver Realtor: Larry Armstrong Talks About HECM4P

Larry Armstrong Talks About HECM4P

If you could, would you like to move into your dream home without paying all cash (and depleting our portfolio/life savings) without making monthly mortgage payments – and save thousands of dollars you would otherwise lose in the process? If you and your spouse are 62-plus, a new FHA program is here to help. And you don’t have to wait for your existing’ home to sell. Let’s face it, since the fall of 2008, there hasn’t been much good news coming from the housing market or Wall Street. The FHAs Home Equity Conversion Mortgage for Purchase Program HECM4P comes at a time when a lot of cash strapped retirees have seen their portfolios depleted and home values drop, while they are still trying to boost their monthly incomes. This government-insured (FHA) program has been available since February 2009. However, most banks do not offer it. The FHA developed the HECM4P program because it saw many 62-plus homeowners selling their homes, buying smaller, more affordable homes and then taking out reverse mortgages on these new properties to create new cash flow. They paid closing costs up to three times – first on the home they’d sold, then on a new mortgage if they needed one to make the next purchase and then again if/when they took out a reverse mortgage. But now, the new HECM for Purchase allows you to buy your dream home with only one closing on your new home. And you don’t have to wait for your existing home to sell before buying your new one.

How does the program work?

The HECM for Purchase program is an age based mortgage backed by the FHA for folks aged 62 and older. Unlike traditional mortgages, our monthly payments are deferred so the loan balance increases over time. The loan is backed by the FHA, so neither borrower(s) nor their heirs are personally held liable for the debt. So… what’s all this really mean? It’s simple. Say you use a HECM to buy your dream home, making no monthly mortgage payments as long as you live there. Say 10 years later you decide to move When you sell your home, you will receive 100 percent of the net proceeds after paying of the loan balance at the time of the sale. This is exactly how a traditional mortgage works.

How do I benefit?

The primary benefit of HECM comes into play during the years you live in the home, because you aren’t making a monthly payment to the mortgage company. So, you are increasing your cash flow each month. Another benefit follows your heirs. What if – at the time of your passing – the loan balance exceeds the home’s value? What happens then? In a traditional mortgage, your heirs would be forced to sell the home at a loss and covert he difference. The terms of a HECM program mandate that neither you nor your heirs are personally liable to cover the difference if your home is sold for a loss. The FHA insurance program steps in to make up the shortfall.

About Larry Armstrong
Larry Armstrong conducts free regular evening seminars for interested parties. Call to reserve, 303-875-7808o or toll-free at 855-86I-0707, email Larry@LarryDArmstrong

 

 

Find public reviews of Denver Realtor and real estate agent Christopher Gibson at the following locations:

Yelp Logo 150x150 Denver Realtor Reviews: Real Estate Agent Christopher GibsonGoogle Places Logo1 150x150 Denver Realtor Reviews: Real Estate Agent Christopher Gibson Zillow Logo 150x150 Denver Realtor Reviews: Real Estate Agent Christopher GibsonLinkedIn Logo 150x150 Denver Realtor Reviews: Real Estate Agent Christopher Gibson

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