Tag Archives: north salem estates for sale

What does Mel Watt mean for housing finance in 2014? | North Salem NY Homes

Mel Watt (D-NC) is set to take the helm as the next official director at the Federal Housing Finance Administration — and we know there are no shortages of industry opinions out there about what a Democratic-led FHFA may decide to do (or not do) with the reins of the GSEs in their hands.

So, we want to hear from you: what does a Mel Watt-led FHFA mean for U.S. housing finance, in 2014 and beyond?

The best answers will be selected by our team of editors to appear in the February 2014 issue of HW Magazine, in our monthly “Sounding Board” department.

Those selected to appear will also receive a complimentary digital reprint of their contribution ($350 value), highlighting their opinion. It’s our way of saying thank you for telling us what you think.

So, if you’ve got an opinion, speak up! What does Mel Watt mean for housing finance, this year and in the future?

http://www.housingwire.com/blogs/1-rewired/post/28460-what-does-mel-watt-mean-for-housing-finance-in-2014

Canadian home sales remain flat | North Salem NY Homes

Canadian home sales remained mostly flat in November compared to October, but were up 5.9 percent from a year ago, The Canadian Real Estate Association (CREA) reported.

“National sales activity in November stood 3.4 percent below the peak reached in September, providing further evidence that activity in the later summer and early fall was likely boosted by homebuyers with preapproved mortgages at lower-than-current interest rates jumping into the market before their preapprovals expired,” the trade group said in a statement.

The number of newly listed homes also increased 1.8 percent month over month in November, representing a supply of homes that would take six months to sell, the same level as the previous month.

Meanwhile, the MLS Home Price Index (HPI) edged up 0.3 percent month over month in November, and was up 4.1 percent year over year.

Source: CREA

– See more at: http://www.inman.com/wire/canadian-home-sales-remain-flat/?utm_source=20131216&utm_medium=email&utm_campaign=dailyheadlinespm#sthash.tQ6rFuU7.dpuf

RIP Fail Whale: Twitter’s iconic error image bites the dust | North Salem Realtor

There was a time when the sight of the Fail Whale was common on Twitter, back when the growing startup struggled to keep pace with its users and the sheer volume of tweets. Much has changed since then — including many more users and, of course, Twitter’s recent IPO — and now the company has admitted it killed off the cult whale this past summer.

Christopher Fry, senior vice president of engineering at Twitter, confirmed in an interview with Wired that the iconic image of birds lifting a whale has been replaced by robots.

The Fail Whale is a thing of the past. Actually, this summer we took the Fail Whale out of production. So if you come to Twitter, and there are always gonna be problems, no service is ever perfect. But right now you will see robots instead of the Fail Whale. So the Fail Whale image is not served by Twitter anymore. It had a long history and some of our users feel very connected to it. But in the end, it did represent a time when I don’t think we lived up to what the world needed Twitter to be.

Twitter had already effectively slayed the whale by improving its service and minimizing downtime, so the chances of spotting it were fairly remote. Still, those of us who were acquainted with it will mourn the passing of a symbolic image.

 

 

http://thenextweb.com/twitter/2013/11/25/

 

Home sales in October weaken more than forecast | North Salem Real Estate

Home sales declined for the second consecutive month in October, while prices continue to rise given a limited supply of homes for sale, the National Association of Realtors says.

Total existing home sales fell 3.2% to a seasonally adjusted annual rate of 5.12 million in October from 5.29 million in September. They are 6% higher than the 4.83 million-unit level in October 2012.

Economists’ median forecast was for an annual rate of 5.25 million for last month, according to an Action Economics’ survey.

A flattening trend is expected, says Lawrence Yun, NAR chief economist.

“The erosion in buying power is dampening home sales,” he said. “Moreover, low inventory is holding back sales while at the same time pushing up home prices in most of the country.”

Recent housing data shows that the market “has come off the boil,” says Paul Diggle, economist with Capital Economics.

Home builder confidence moderated in October and there have been signs that price gains are slowing.

 

 

 

Banks willing to finance house flippers who burned them before | North Salem NY Real Estate

Homes are being flipped in Southwest Florida at the fastest pace since the housing boom, and about 1 in 4 deals involve some kind of financing — often provided by the same banks that fueled the last bubble, who have proven themselves willing to lend money to flippers who burned them during the crash, according to an analysis by the Sarasota Herald-Tribune.

The newspaper reviewed 1,287 property flips in Sarasota, Manatee and Charlotte counties identified by RealtyTrac Inc., examining who was behind the flips, the source of their funding, and who the properties were sold to.

Many flippers who had defaulted on loans they’d obtained during the boom were able to finance new deals, often from the same lenders they’d burned before. Big banks that “played a central role in the financial meltdown” have been the most active in financing flips, the paper found, along with personal financiers and smaller credit unions.

So far, the deals have been profitable — the flips analyzed by the Herald-Tribune generated almost $23 million in profits, or close to $18,000 per deal. But some wonder how long that trend can last.

“We’re starting to see many of the same factors we saw during the last boom and bust,” real estate analyst Jack McCabe told the paper. “There is going to come a day of reckoning.”

 

 

 

 

Source: heraldtribune.com

What to Do in Winter to grow your garden | North Salem Real Estate

What are you growing in your garden this winter? This is not a trick  question. When you work an organic food garden in ways that bring out the best  in your site, your soil and your plants, winter is an interesting and useful  stretch of time. In most regions, you can enjoy spinach, Brussels sprouts,  sunchokes, kale, carrots, parsnips and other cold-hardy crops all through the  winter. Gardening is a very rewarding hobby however, it can take up a lot of time. If you find it difficult to keep up with your house work and garden don’t settle! Give Maid2Match cleaning in Toowoomba a call so you can focus on your garden.

To help you brush up on your cold-season gardening skills, let’s tick through  the simplest, most sustainable ways to address the three main winter gardening  tasks:

  • growing cold-hardy edibles
  • using compost, cover crops and mulch to radically improve soil  quality
  • enhancing habitats for hard-working beneficial insects and wildlife

No matter where you live, you can make use of climate-appropriate techniques  to bring spinach, kale, chicories and other hardy vegetables through the winter  (see Grow Great Salads Year Round, August/September 2006). You  will need an attached greenhouse in Zones 2 to 4, but in Zones 5 to 7 you can  get by with a tunnel covered with one layer each of row cover and plastic (the  plastic comes off easily for ventilation). Support the tunnel with an arch of  heavy-gauge wire fencing to make sure it can stand up to accumulated ice and  snow, like a green igloo.

Protect Fall Crops

If you have carrots in the ground, take this tip from Eliot Coleman, author  of Four-Season Harvest. In early winter enclose the carrots in  a cold frame, and sprinkle an inch of compost over the tops of the plants. Add  enough straw to fill the frame and close the top. Pull carrots as you need them,  and be prepared to be amazed at their sweet flavor — what Coleman calls “carrot  nirvana.” Parsnips need no protection to make it through winter, but a thick  mulch (or a garbage bag stuffed with leaves) makes it easier to find them and  keeps the soil from freezing. In any climate, early winter is the best time to  harvest Brussels sprouts and sunchokes, both of which benefit from exposure to  freezing temperatures.

Mulched soil doesn’t wash away in heavy rain, but the biggest advantage of  winter mulch is that it moderates soil temperatures, slowing the speed at which  the soil freezes, thaws and freezes again. Because water expands as it freezes,  shallow roots are often torn and pushed upward — a natural phenomenon called  heaving. Winter mulches reduce heaving around winter crops, decrease compaction  from heavy rain or hail, and enrich the soil with organic matter as they  decompose. They also look nice.

Fall-planted garlic, shallots and perennial onions are priority crops for a  4-inch winter mulch of hay, straw, chopped leaves or another locally abundant  material. Mulch kale, too, but wait until after the first week of steady  sub-freezing weather to protect the latent flower buds of strawberries with a  4-inch mulch of hay, pine needles or shredded leaves. Shroud the bases of  marginally hardy herbs such as rosemary with a 12-inch-deep pyramid of mulch to  protect the dormant buds closest to the ground. If you’re really pushing your  luck by growing figs or other plants that cannot tolerate frozen roots, surround  them with a tomato cage and stuff it full of straw or chopped leaves. Use this  technique to safeguard the graft union and basal buds of modern roses, too.

Once you’ve done what you can to maximize the productivity of hardy plants,  either gather up dead plants and surrounding mulch and compost them or turn the  residue into the soil. This will reduce pests such as squash bugs and harlequin  bugs, which overwinter as adults in plant debris, as do Mexican bean beetles and  some other pests. Old mulches can harbor cabbageworm pupae, but these and other  pests seldom survive winter in the wild world of a compost heap or when mixed  into biologically active soil. To be on the safe side, you can create a special  compost heap for plants that often harbor pests or diseases and seed-bearing  weeds.

In spring, after the heap has shrunk to a manageable size, mix in a  high-nitrogen material such as manure, grass clippings, alfalfa meal or cheap  dry dog food (mostly corn and soybean meal) to heat the heap to 130 degrees — the temperature needed to neutralize potential troublemakers.

With this housekeeping detail behind you, think about what next year’s garden  will demand of the soil. Sketch out a plan for where you will plant your  favorite crops in spring and summer, and tailor your winter soil care practices  to suit the needs of each plot’s future residents.

In areas to be planted with peas, potatoes, salad greens and other early  spring crops, cultivate the soil, dig in some compost, and allow birds to peck  through the soil to collect cutworms, tomato hornworm pupae and other insects  for a week or two. Then rake the bed or row into shape and mulch it with a  material that will be easy to rake off in early spring: year-old leaves or  weathered hay, for example. Spring planting delays due to soggy soil will be a  thing of the past.

In the space you will use in early summer for sweet corn, tomatoes and other  demanding warm-weather crops, you may still have time to sow a winter cover crop  such as hairy vetch, Austrian winter peas or crimson clover (see 8 Strategies for Better Garden Soil, June/July 2007). Cover  crops make use of winter solar energy, energize the soil food web as their roots  release carbohydrates down below and amass large amounts of organic matter. The  deep roots of hardy grain cover crops such as cereal rye will spend the winter  hammering their way into compacted subsoil, and nitrogen-fixing cover crops can  jump-start soil improvement in new garden beds and save time in spring.

For example, if you get a good stand of hairy vetch growing in fall, simply  cut the plants down in mid-spring (or pen your chickens on the bed), allow the  foliage to dry into a mat and plant tomatoes right into the mulch.

For all those “to be determined” spots, you can enrich the soil and prevent  winter erosion by tucking beds in with compost, mulch or a hybrid of the method  I call “comforter composting.” Piles of organic matter in any configuration will  turn the soil’s surface into a compost factory. Several 3-inch layers of dead  plants, chopped leaves, spoiled hay and other mulch materials will compost  themselves when placed atop unemployed soil.

If you would rather make a mountain of compost from autumn’s haul of yard and  garden waste, why not locate the pile in a place where it will travel across  cultivated soil as you turn it every few weeks? A “walking heap” leaves a trail  of organic matter in its wake, and nutrients that leach from the pile at various  stopping points go straight into the soil.

 

 

 

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