My Real Estate Cyber Tips


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FIGHT BACK ON CREDIT CARD FEES!

Have you received a note in the mail recently informing you of new terms? With all of the craziness going on it’s hard to keep up with how the credit card companies are grabbing our hard earned dollars with all sorts of new fees and charges.

This neat place will help you make sense from the movin’ and shakin’ going on. They research thousands of credit card offers and rates and rate the best credit cards. They provide a list of the top cards in each of several credit card categories along with an unbiased opinion on every card.

In addition they compile the "Complete Credit Card Index" where you will find the current rates of all of the thousand plus credit cards available.

Good stuff in this day and age!

Click Here for This Cyber Trick

We are always pleased to be of service to our Cyber Friends and to provide you with these monthly CyberTips. As members of the Real Estate CyberSpace Society we are always current on ways to expand their normal high standards of service with the very latest Internet and other CyberSpace strategies and tools. Click Here for hundreds of Cyber Tricks and Great Places in back issues.

MAKE THE WEB TALK TO YOU!

This one is fun and can come in handy from time to time. Once this little program is downloaded and installed, you simply highlight any text you see on your internet browser. Then just right click and choose "speak text" ---and Shazam – the text is spoken aloud from beginning to end!

It's easy to use and gives you a personal reader any time you want to rest your eyes! Oh, and yes, it's on the house.

Click Here for This Cyber Trick

GIVE YOUR DOCTOR A CHECKUP!

Do you have a great Doctor? Or maybe your last visit was a horror show. Here's the place to let folks know about the good ones and warn them about the clunkers.

Just type in your Doctor's (or Dentist's) name, location and specialty (not all are necessity unless your Doctor has a very common name). Up comes information on the Doctor plus any patient ratings that have been entered regarding knowledge, helpfulness and punctuality. Even the Doctor's staff gets rated.

There are lots of additional tools at this great place – and, unlike many similar sites, there is no cost to use this service. This is worth a bookmark!

Click Here for This Great Place

CHECK HOLIDAYS AROUND THE GLOBE!

Traveling this year? Want to find out what the holidays and cultural events are at your destination? This neat resource lists over 200 counties along with a calendar of holidays celebrated there during the year.

You can search for holidays and celebrations around the world in several categories including country or by date. These folks define a "holiday" as any day that recognizes a cultural event, and not necessarily a day when businesses are closed.

You’ll be looking for this the next time you plan a trip!

Click Here for This Great Place

Debra Kukulski Cary IL Real Estate

To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure!

By the way, if you know of someone that could benefit from my high level of service, please call or email me with their name and daytime phone number and I will make sure to follow up and take great care of them. My business is over 87% referral and repeat clients and I am so grateful it keeps growing from your loyalty and referrals:-)

My Direct Number at the Office is 847.516.6760

To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!

Search Waterfront and Fox River Front Homes For Sale Here

It is an EXCELLENT TIME TO BUY NOW, especially for first time buyers, second home buyers, investors and move up buyers.

REAL ESTATE IN IL IS ON SALE! :-)

I hope you find this information useful. I am only a phone call or email away of you need real estate help:-)

Debra Kukulski Real Estate Consultant

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure!

By the way, if you know of someone that could benefit from my high level of service, please call or email

me with their name and daytime phone number and I will make sure to follow up and

take great care of them.

The majority of my business is referral and repeat clients. I am so grateful it keeps growing from your loyalty and referrals:-)

I appreciate YOU and your referrals!

I can be reached at my direct number at the office: 847.516.6760. I look forward to hearing from you!

Information deemed accurate and reliable but not guaranteed. Source MRED MLS.Disclaimer: Information herein may come from various sources, some of which may not be reliable and may change without any notice. Debra Kukulski does not guarantee or is any way responsible for the accuracy of the information in this blog and information provided is without warranties of any kind, either express or implied. Information on this blog represents the opinions and ideas of the author; comments by others may not express the views of the author. All photos and content may not be duplicated without express written consent of author.
Copyright © 2010 By Debra Kukulski, all rights reserved.

5 comments • Debra Kukulski-CDPE;GRI;ABR;RECS;e-PRO Real Estate Expert Northern Illinois • September 24 2009 08:04AM

Wordless Wednesday Photo-Late Summer Bloom

Late summer bloom Debra Kukulski

Photo taken by Debra Kukulski, ABR, RECS, GRI, EPRO, Realtor with RE/MAX Unlimited Northwest Cary-Crystal Lake IL, provides highly professional levels of real estate services to home buyers and sellers in McHenry, Lake, Kane or Cook Counties in Northern Illinois. Visit my www.TheresNoPlaceLikeYourPlace.com to search for homes for sale in Northern Illinois. "Late Summer Bloom " by Debra Kukulski Cary IL, Crystal Lake, IL, Barrington, Fox River, Fox Lake, Chain of Lakes, IL ©2009. Property of Debra Kukulski, All Rights Reserved. Photo may not be used or reproduced in any way without express written permission from Debra Kukulski.

Debra Kukulski Cary IL Real Estate

To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure!

By the way, if you know of someone that could benefit from my high level of service, please call or email me with their name and daytime phone number and I will make sure to follow up and take great care of them. My business is over 87% referral and repeat clients and I am so grateful it keeps growing from your loyalty and referrals:-)

My Direct Number at the Office is 847.516.6760

To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!

Search Waterfront and Fox River Front Homes For Sale Here

It is an EXCELLENT TIME TO BUY NOW, especially for first time buyers, second home buyers, investors and move up buyers.

REAL ESTATE IN IL IS ON SALE! :-)

I hope you find this information useful. I am only a phone call or email away of you need real estate help:-)

Debra Kukulski Real Estate Consultant

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure!

By the way, if you know of someone that could benefit from my high level of service, please call or email

me with their name and daytime phone number and I will make sure to follow up and

take great care of them.

The majority of my business is referral and repeat clients. I am so grateful it keeps growing from your loyalty and referrals:-)

I appreciate YOU and your referrals!

I can be reached at my direct number at the office: 847.516.6760. I look forward to hearing from you!

Information deemed accurate and reliable but not guaranteed. Source MRED MLS.Disclaimer: Information herein may come from various sources, some of which may not be reliable and may change without any notice. Debra Kukulski does not guarantee or is any way responsible for the accuracy of the information in this blog and information provided is without warranties of any kind, either express or implied. Information on this blog represents the opinions and ideas of the author; comments by others may not express the views of the author. All photos and content may not be duplicated without express written consent of author.
Copyright © 2010 By Debra Kukulski, all rights reserved.

3 comments • Debra Kukulski-CDPE;GRI;ABR;RECS;e-PRO Real Estate Expert Northern Illinois • September 23 2009 08:27AM

My September Cyber Tips Newsletter

Debra Kukulski CDPE, RECS, GRI, ABR, e-PRO
RE/MAX Unlimited Northwest

September 2009

ARE THEY TELLING YOU THE TRUTH?

Wouldn’t it be useful to know when someone in not telling you the truth? This interesting service uses technology has been evaluated by various governmental, security and law enforcement entities and it is easy to use and understand.

Once you have your pin number you just dial the toll-free access number, put in your PIN and provide the destination phone number of the party to be analyzed. Once your call begins, you'll be able to engage in a natural conversation. A buzz is played when the called party is suspected of not telling the truth. In addition you can view a web-based dashboard to watch a truth indicator move as your subject is speaking.

We usually lean toward programs that are free in this column – but this one ignited our curiosity – and the price/value ratio isn’t exorbitant!

Click Here for This Cyber Trick

We are always pleased to be of service to our Cyber Friends and to provide you with these monthly CyberTips. As members of the Real Estate CyberSpace Society we are always current on ways to expand our normal high standards of service with the very latest Internet and other CyberSpace strategies and tools. Click Here for hundreds of Cyber Tricks and Great Places in back issues.

WALK AWAY FROM YOUR CELL CONTRACT!

Are you stuck in a cell phone contract and want to get out? Maybe you want to get a snazzy new phone that a different network is offering but have a year to go on your existing agreement – with a penalty that could cost up to $200 to cancel.

These folks have a neat way to help you transfer your contract to another consumer for the remainder of the contract period. You are fully absolved of all responsibility and are free to initiate a new plan with a different carrier. This system also provides an incentive for those looking to start a wireless service plan with a short-term contract and no activation fees that otherwise could run as high as $45.

Kiplinger liked this one. Maybe you can get that snazzy phone after all!

Click Here for This Cyber Trick

TRACK YOUR WARRANTIES!

This happens to us all – and if it hasn't happened yet – it will -- guaranteed! You buy that great appliance, TV, cell phone – whatever. You get a warrantee (say 12 months). Then on the 368th day you decide to call and find out why the frober switch hasn’t been working for the last couple of weeks. You’re "outa luck"!

These folks have a site that will help you avoid this type of dilemma and keep you on top of your warranties. They help you to organize your warranty information on anything you purchase. And you’ll get reminder emails at 3 months, 1 month and 1 week before your warranty expires. This way you can check your item to be sure it is in good working order. If it isn't you will have all the information needed, right in front you, to arrange for warranty service.

Neat site ---and it's on the house!

Click Here for This Great Place

SAVE ON YOUR SHIPPING COSTS!

Do you habitually fill out the usual form to ship your stuff to the next town -- or around the world? The Wall Street Journal says that to find the best shipping deals we would do well to check this shipping comparison site.

Here you can check rates for your package with Google like ease by comparing the major carriers, including UPS, DHL, FedEx, and the U.S. Postal Service. Just enter your zip code and the zip code for the recipient plus the weight of the package. In a millisecond you’re looking at all of the options available with a neat cost comparison.

Easy way to save—and the nice folks bring this service to you with their complements.

Click Here for This Great Place

Debra Kukulski
Email: deb@debrakukulski.com
Phone: 847-516-6760
Web: www.debrakukulski.com

RE/MAX Unlimited Northwest

To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!

Search Waterfront and Fox River Front Homes For Sale Here

It is an EXCELLENT TIME TO BUY NOW, especially for first time buyers, second home buyers, investors and move up buyers.

REAL ESTATE IN IL IS ON SALE! :-)

I hope you find this information useful. I am only a phone call or email away of you need real estate help:-)

Debra Kukulski Real Estate Consultant

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure!

By the way, if you know of someone that could benefit from my high level of service, please call or email

me with their name and daytime phone number and I will make sure to follow up and

take great care of them.

The majority of my business is referral and repeat clients. I am so grateful it keeps growing from your loyalty and referrals:-)

I appreciate YOU and your referrals!

I can be reached at my direct number at the office: 847.516.6760. I look forward to hearing from you!

Information deemed accurate and reliable but not guaranteed. Source MRED MLS.Disclaimer: Information herein may come from various sources, some of which may not be reliable and may change without any notice. Debra Kukulski does not guarantee or is any way responsible for the accuracy of the information in this blog and information provided is without warranties of any kind, either express or implied. Information on this blog represents the opinions and ideas of the author; comments by others may not express the views of the author. All photos and content may not be duplicated without express written consent of author.
Copyright © 2010 By Debra Kukulski, all rights reserved.

0 comments • Debra Kukulski-CDPE;GRI;ABR;RECS;e-PRO Real Estate Expert Northern Illinois • September 23 2009 08:19AM

First Time Home Buyer Tax Credit Explained!

This is a GREAT video explaining the first time buyer's tax credit, from the Illinois Association of Realtors. Time is running out to take advantage of this excellent incentive! Leet me know if I can help:-)

To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!

My Direct Number at the Office is 847.516.6760

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure! By the way, if you know of someone that could benefit from my high level of service, please call or email me with their name and daytime phone number and I will make sure to follow up and take great care of them. My business keeps growing from your referrals.

There are fabulous buys on the market....now is a GREAT time to buy real estate in IL, especially for MOVE UP Buyers, Waterfront Buyers, Vacation and Second Home Buyers, Investors and First Time Buyers!

To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!

Search Waterfront and Fox River Front Homes For Sale Here

It is an EXCELLENT TIME TO BUY NOW, especially for first time buyers, second home buyers, investors and move up buyers.

REAL ESTATE IN IL IS ON SALE! :-)

I hope you find this information useful. I am only a phone call or email away of you need real estate help:-)

Debra Kukulski Real Estate Consultant

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure!

By the way, if you know of someone that could benefit from my high level of service, please call or email

me with their name and daytime phone number and I will make sure to follow up and

take great care of them.

The majority of my business is referral and repeat clients. I am so grateful it keeps growing from your loyalty and referrals:-)

I appreciate YOU and your referrals!

I can be reached at my direct number at the office: 847.516.6760. I look forward to hearing from you!

Information deemed accurate and reliable but not guaranteed. Source MRED MLS.Disclaimer: Information herein may come from various sources, some of which may not be reliable and may change without any notice. Debra Kukulski does not guarantee or is any way responsible for the accuracy of the information in this blog and information provided is without warranties of any kind, either express or implied. Information on this blog represents the opinions and ideas of the author; comments by others may not express the views of the author. All photos and content may not be duplicated without express written consent of author.
Copyright © 2010 By Debra Kukulski, all rights reserved.

2 comments • Debra Kukulski-CDPE;GRI;ABR;RECS;e-PRO Real Estate Expert Northern Illinois • September 22 2009 08:56AM

So Why The Clock AND Is It The Right Time? Which clock should be used?

This is re-posted from one of my associates on Active Rain. Unless the first time home buyers tax credit is extended (which the Realtors are fighting for), the tax credit expires on 12/1/09! We do not know if it will be extended or expanded to include all buyers at this point, but we DO know that we DO have this great incentive now. Do you really want to gamble with 8000. and wait?

My Direct Number at the Office is 847.516.6760

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure! By the way, if you know of someone that could benefit from my high level of service, please call or email me with their name and daytime phone number and I will make sure to follow up and take great care of them. My business keeps growing from your referrals.

There are fabulous buys on the market....now is a GREAT time to buy real estate in IL, especially for MOVE UP Buyers, Waterfront Buyers, Vacation and Second Home Buyers, Investors and First Time Buyers!

To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!

Via Don Rogers REALTOR®, GRI O'Fallon MO & St Charles County MO homes (RE/MAX Gold):

So Why The Clock AND Is It The Right Time? Which clock should be used?

I have been using this clock, below, for some time now on my weekly market updates to draw attention to how much time is left until the $8,000 Tax Credit expires.

Countdown Clocks
And to the best of my knowledge, right now, the Tax credit is set to expire at the stroke of midnight on November 30, 2009.

So here is my dilemma…..On Friday I was talking with a friend and managing broker from another company. Yes we can have friends that work in other companies, but I digress. He brings up a very interesting point and one that we need to look at when presenting this topic to our eligible homebuyers. That is:

November 30, 2009 is a Monday

November 29, 2009 is Sunday

November 28, 2009 is Saturday

November 27, 2009 is the day after you guessed it

November 26, 2009 which is a Thursday and a HOLIDAY (THANKSGIVING)

Does anyone see a possible problem here? Or is it just me?

Are we considering the possibilities of potential problems with funding, to where the property has closed by the prescribed time?

Title companies/Attorneys can handle just so many closes in a day even if they have extra closers on hand to handle the rush and where will they come from?

Banks are still going to close at 5pm, maybe 6pm in some areas!

What about getting the wire transfer of funds in time to close before 5pm, maybe 6pm in some areas?

What happens if there is a change to the settlement statement that will affect the APR at the last minute? Remember the RESPA changes that have taken effect just recently.

And the list could go on and on.

So should we be looking at, at the latest unless it is an all cash deal, closing on Friday November 20, 2009? Just so we will have a little bit of a cushion in the event of a problem!

That being the case, if we figure 45 days to close on a home then this is what the clock would look like to have an accepted contract as opposed to the one above.

Countdown Clocks

Just sayin’………………………

Don Rogers is a licensed REALTOR® in Missouri. I specialize in St. Charles County. If you are looking to buy or sell or you are relocating to the area and would like information about the St Charles County MO area do not hesitate to give me a call at 314-954-6775 or if you would prefer to send me an email at Don@DRogersHomes.com.

To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!

Search Waterfront and Fox River Front Homes For Sale Here

It is an EXCELLENT TIME TO BUY NOW, especially for first time buyers, second home buyers, investors and move up buyers.

REAL ESTATE IN IL IS ON SALE! :-)

I hope you find this information useful. I am only a phone call or email away of you need real estate help:-)

Debra Kukulski Real Estate Consultant

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure!

By the way, if you know of someone that could benefit from my high level of service, please call or email

me with their name and daytime phone number and I will make sure to follow up and

take great care of them.

The majority of my business is referral and repeat clients. I am so grateful it keeps growing from your loyalty and referrals:-)

I appreciate YOU and your referrals!

I can be reached at my direct number at the office: 847.516.6760. I look forward to hearing from you!

Information deemed accurate and reliable but not guaranteed. Source MRED MLS.Disclaimer: Information herein may come from various sources, some of which may not be reliable and may change without any notice. Debra Kukulski does not guarantee or is any way responsible for the accuracy of the information in this blog and information provided is without warranties of any kind, either express or implied. Information on this blog represents the opinions and ideas of the author; comments by others may not express the views of the author. All photos and content may not be duplicated without express written consent of author.
Copyright © 2010 By Debra Kukulski, all rights reserved.

1 comment • Debra Kukulski-CDPE;GRI;ABR;RECS;e-PRO Real Estate Expert Northern Illinois • September 22 2009 08:33AM

Foreclosure Help In Illinois

This is a great video from the Illinois Association of Realtors, detailing many solutions and places to find help if you are having trouble making your mortgage payments or facing a possible foreclosure specific to Illinois. Excellent information and resources here:

Don't let your home go into foreclosure. I have heard through the Certified Distressed Property Experts (which I am one of a group of 10,000 and growing Realtors whose goal is to save as many homeowners from foreclosure as possible) that more than 7 out of 10 homes go all the way through the foreclosure process with out ever being listed for sale. I know it is hard to reach out for help, but there are probably much better options for you than letting that happen. Most people think it is too late when it is not! If you or someone you know owes more on your home than your home is worth or is having trouble meeting mortgage payments, call me and let's explore some options. A short sale is only one alternative to foreclosure. Of course I will not charge you for the consultation, I am here to help.

My Direct Number at the Office is 847.516.6760

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure! By the way, if you know of someone that could benefit from my high level of service, please call or email me with their name and daytime phone number and I will make sure to follow up and take great care of them. My business keeps growing from your referrals.

There are fabulous buys on the market....now is a GREAT time to buy real estate in IL, especially for MOVE UP Buyers, Waterfront Buyers, Vacation and Second Home Buyers, Investors and First Time Buyers!

To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!

Search Waterfront and Fox River Front Homes For Sale Here

It is an EXCELLENT TIME TO BUY NOW, especially for first time buyers, second home buyers, investors and move up buyers.

REAL ESTATE IN IL IS ON SALE! :-)

I hope you find this information useful. I am only a phone call or email away of you need real estate help:-)

Debra Kukulski Real Estate Consultant

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure!

By the way, if you know of someone that could benefit from my high level of service, please call or email

me with their name and daytime phone number and I will make sure to follow up and

take great care of them.

The majority of my business is referral and repeat clients. I am so grateful it keeps growing from your loyalty and referrals:-)

I appreciate YOU and your referrals!

I can be reached at my direct number at the office: 847.516.6760. I look forward to hearing from you!

Information deemed accurate and reliable but not guaranteed. Source MRED MLS.Disclaimer: Information herein may come from various sources, some of which may not be reliable and may change without any notice. Debra Kukulski does not guarantee or is any way responsible for the accuracy of the information in this blog and information provided is without warranties of any kind, either express or implied. Information on this blog represents the opinions and ideas of the author; comments by others may not express the views of the author. All photos and content may not be duplicated without express written consent of author.
Copyright © 2010 By Debra Kukulski, all rights reserved.

2 comments • Debra Kukulski-CDPE;GRI;ABR;RECS;e-PRO Real Estate Expert Northern Illinois • September 17 2009 06:20AM

There's No Place Like Your Place Blog

Add a new Widget

Search for Homes

Debra Kukulski-CDPE;GRI;ABR;RECS;e-PRO Real Estate Expert Northern Illinois

Re/Max Unlimited Northwest

Blog Archives

My Real Estate Cyber Tips

Wordless Wednesday Photo-Late Summer Bloom

My September Cyber Tips Newsletter

September 2009

First Time Home Buyer Tax Credit Explained!

So Why The Clock AND Is It The Right Time? Which clock should be used?

Foreclosure Help In Illinois