Camera-Ready HomeWhen selling your home one of the first thing buyers see are the pictures of the house, which could make or break if they want to go look at it. With these eight ideas, you can create a great looking house ready for those pictures to be taken.

  1. Remove clutter: If items aren’t needed or intended to be in the room, or on a table per say, then remove them. If you have some sort of collection—e.g. figurines—make sure you have a nice display area for them and that they are not just placed around.
  2. Make sure to have the right lighting: Lighting is important for many rooms, if you don’t have enough the room could be too dark and look small and if you have too much it may overpower the room. To obtain a good balance of light you would want an equal amount of…

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In the neighborhood of Richmondtown, you can find a nice, quiet area that pulls you back in time.  This would be Historic Richmond Town, an area that has preserved Staten Island’s past for its present and future residents.  RandomToday, Historic Richmond Town is operated by both the Staten Island Historical Society and the New York City Department of Parks and Recreation.  It has many historically-significant homes, stores, shops, ad objects from the past.  Of these historically-significant buildings, some of them had been originally built here, while others had been moved here to preserve them.  A good amount of these homes are New York City Landmarks, as well. 

Before 1898, which is when the City of New York came about, Cocclestown—or what is today known as…

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Heating source inside homeAs it starts to get colder out and winter moves in, your home heating and energy bills will be increasing. We have some good news for you, though. On Friday, November 15th, Senator Andrew Lanza announced that Staten Island residents will have the opportunity to apply for the Home Energy Assistance Program (HEAP).  This is a federally-funded program that was set in place to help out households that have a low income with their energy costs.

With fuel costs increasing lately, this could be very beneficial to those who need assistance. Not only does this program help out with energy bills, it also has emergency assistance and helps make repairs to heating equipment. To learn more about the benefits you can obtain from this program and the income level…

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Before jumping back into the home search, there are six things you will need to know first.

  1. There is a waiting period: After you lose your home to foreclosure, you always must wait a certain period before being able to get a new mortgage. This waiting period only starts, though, once the foreclosure is officially completed by the bank. The type of new mortgage loan you will be looking into getting will decide on how long you have to wait.  FHA loans have about a three-year waiting period; Portfolio loans could have a shorter wait period, since lenders keep those loans; and Conforming or Conventional loans could have a longer wait period, since lenders sell those loans to Fannie Mae or Freddie Mac.
  2. Make sure your credit is okay: Once you have your…

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Basket Makers HouseHistoric Richmond Town was the first area on Staten Island to be used for a civic and county government center, being that it is right in the middle of Staten Island. It had its own courthouse, clerk’s office, stores, churches, hotel, residences, and more. Once Staten Island became a part of the City of New York in 1898, it’s civic and county center had moved to the North Shore of the borough, in St. George, to be closer to Manhattan. The courthouse, clerk’s office, and other county offices had been moved to St. George, since it was no longer a county-run government and it turned into a city-run government.

Historic Richmondtown is the place to go see Staten Island’s past come alive. Being dually operated by the Staten Island Historical Society and the…

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Edgewater Hall Staten IslandBefore the City of New York was formed in 1898, Staten Island had been comprised of five townships: Northfield, Southfield, Westfield, Castleton, and Middletown.  By 1866, however, some areas of Staten Island became their own incorporated villages, one of which was Edgewater.  These new incorporated villages were no longer a part of the townships and had created their own local governments.  The village of Edgewater was comprised of today’s Tompkinsville, Stapleton, and Clifton neighborhoods.

With Edgewater being an incorporated village, it needed a village hall.  In 1867, a small plot of land was purchased to be used as a public space.  This is where the Edgewater Village Hall had been constructed.  By 1889, the Edgewater Village Hall finally opened. …

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When buying a home, flood insurance is a tricky subject.

According to Realtor, it is not the real estate agent’s responsibility to know if a certain home needs flood insurance, but it is their job to disclose all adverse material features, conditions, and aspects of the property.  If an agent does know that it needs flood insurance, has had it in the past, or that the area has recently flooded or is subject to flooding, they must disclose this information.

If the agent knows about these terms, they also should let the buyer know about the new Reform Act for flood insurance and the fact that the rates for the insurance policies will be higher than what the other homeowner paid.  They may not need to know in exact detail about it, but they should be…

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If you will be purchasing a home in an area at risk for flooding—whether it be a high- or low-risk area—there are a few things you need to know about flood insurance.

First off, did you know that flood insurance not only protects your home or business’ structure, but also some of the contents, or personal property, inside of the home?  When purchasing flood insurance for a home or business, you can choose the amount you want covered, just like car insurance.  For the structures, flood insurance covers up to $250,000 for residences, and up to $500,000 for businesses.  If you want extra coverage for your home, business, or its contents, you can purchase an additional insurance policy through another company.

Secondly, did you know when you first buy…

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The National Flood Insurance Program has been around for quite some time.  Recently, however, with storms coming in stronger each year, there have been an increasing number of homeowners putting in claims from these disasters.  Since not all of the homeowners that put in claims had flood insurance, this put a burden on taxpayers’ money to create federal assistance programs to help fix the damaged homes.

The National Flood Insurance Program was originally passed by Congress in 1968.  This program makes flood insurance accessible to homeowners, renters, and business owners in areas where the program was adopted—New York City being one of them.  With the National Flood Insurance Program adopted, it helped many looking for flood insurance to be able to buy…

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This past Thursday, on November 7th, Governor Cuomo announced that letters are being sent to homeowners asking them to pay a fee to apply for the School Tax Relief property tax exemption, also known as STAR.  If this has happened to you, do not be fooled!  There is no fee to apply for this program.

There are two types of STAR exemptions: the Basic STAR exemption, which is for homeowners who make less than $500,000 annually, and the Enhanced STAR exemption, which is for senior citizens who make less than $81,900 annually.  If you would like to apply for these exemptions and are a resident of New York City, you can visit www.tax.ny.gov or call 3-1-1.  The deadline for registration is December 31st, 2013.

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