Apopka: You can still buy or sell a home during COVID-19,…

first_img From Zillow and Staff ReportsNOTE: Orange County Government Florida set a mandatory “Stay At Home” Executive Order which allowed for essential businesses to continue, which includes financial institutions and real estate professionals, leasing offices, insurance contractors and property appraiser services. In addition, businesses that provide support necessary to perform essential real estate serviceWith this in mind, keeping you informed on how to handle buying, selling, renting — or just nesting at home — is something Zillow is striving to do. As a resource for homeowners and home seekers, they have created a place with timely information to help you make sense of things. It is also a place to find inspiration for your life at home — whether that’s a DIY project, starting a garden or just dreaming about what your future home could be.Here are a few key questions answered for buyers and sellers during COVID-19:BUYERSAm I missing out if I don’t buy now?The best time to buy depends on your personal circumstances.Trying to time the market for the best deal is something even professional investors aren’t very good at.According to Zillow economists, the current environment poses both opportunities and challenges. The opportunities are not as obvious as the challenges, but they’re out there:Mortgage interest rates are very low, which has the potential to significantly boost your buying power.At this exact moment, with many people pulling back and staying home, there could be less competition for the still-limited pool of homes for sale.Sellers may be more flexible on pricing and/or timing in order to close a sale, especially if letting their home stay on the market will cost them or delay their own plans.If demand stays strong and the crisis passes relatively quickly — both big “ifs” at this moment — then we can probably expect price growth to accelerate like it was earlier this year. If that’s the case, it might be a good time for some buyers in some markets to get ahead of any growth in home prices.Still, the challenges are daunting:Inventory is already low, and it’s unlikely that many would-be sellers will list their homes right now. That could make it harder for you to find the right home.Mortgage interest rates are low but volatile — and lenders are working through a flood of refinance applications. For would-be buyers who secured financing in early March, this may not be as big an issue. It’ll be a lot tougher if you have not yet started the mortgage process.It also may be difficult (or impossible) to complete the sale on time if some of the connected businesses, such as appraisals, inspections and title services, are temporarily closed due to public health orders.If the crisis persists and social-distancing and other behaviors last through the bulk of the year, home prices may fall somewhat in response to the lack of demand from buyers. It could make sense for some buyers to wait to see if the home they’re eyeing today is available at a lower price tomorrow.If you have the time and willingness to face the current challenges, now could present some interesting opportunities. But you should have a plan to ensure you can back off and/or re-evaluate as the situation unfolds. If you’re risk-averse or don’t feel ready, you’re likely to be more comfortable waiting until the situation is more clear.For the most up-to-date housing market analysis, data and commentary on how the market is responding to this situation, visit Zillow Research.For more information to help you make smart choices and think through your next steps, such as can I tour a house without leaving my own? what can I do now to be ready to buy? and more check out this buying guide.SELLERSCan I still sell my house while people are responding to the coronavirus?People across the country are practicing social distancing, or, in some cities and states, following public health orders to stay at home. That means buyers are not in a position to walk through a home with their agent, and agents may not be in a position to show homes.Agents have gotten creative in adopting tools and technology that allow prospective buyers to take 3D tours of a home or take a video tour with their agent if possible. Digital home tours are videos the agent captures by walking through the home with a camera, allowing buyers to watch virtual tours from their home.In some places, temporary business closures are affecting key parts of the real estate transaction, namely appraisals, inspections, closing and title services and moving. Affected businesses are looking for ways to adapt.Consult a local agent who is in the best position to know conditions in your area and who can advise you on restrictions that might affect selling activities and a buyer’s ability to close.Can I show my house without having anyone come into my home?Remote tours are an excellent alternative for generating interest in your home if open houses and tours are not an option due to local MLS restrictions or public health orders.Here are some ways to give prospective buyers a thorough look at your home:Record a video tour of your home and request that your agent post it to Zillow and TruliaUpload a 3D Home tour to your Zillow or Trulia listing (iOS only)Facilitate a live video tour with a prospective buyerRecorded video toursUnder normal circumstances, your listing agent might record a video tour of your home to share on Zillow or Trulia. However, if social distancing or health reasons require that no one else come into your home, you can ask your agent for tips on how to record a tour yourself, which they can then upload to your listing. Here are some best practices agents have shared with us:Before recording:Clean and organize your home as you would for an open house.Turn on all the lights and open all the doors.Plot your route. Generally it works best to start at the front door, tour the first floor, then the second floor if there is one, and end in the backyard.Keep family members and pets out of view.Put your phone in airplane mode so your video isn’t ruined by an incoming call or message.Recording:Start your tour in front of the home and pan the street before approaching the front door.Narrate as you go, commenting on features like flooring and window treatments as well as neighborhood characteristics.Open closet doors and describe the storage situation.Smoothly pan your smartphone up and down as you film to capture every aspect of the home.Tell the story of your home, but not the story of your life in that home. Avoid including personal details or anecdotes.A 3D Home tourAnyone with an iPhone 7 or newer can produce a Zillow 3D Home tour. Simply download the 3D Home app and follow these instructions. It’s free to upload the tour to your Zillow or Trulia listing and enables buyers to “walk” through your home at their leisure. We also support 3D Home tours captured on a 360-degree camera like the Ricoh Theta V.Live video toursThis option is more complicated, but it might be the right fit for some sellers. Talk to your agent about if and how to arrange a live video walkthrough with buyers who are interested in your home.For more information to help you make smart choices and think through your next steps, such as what can I do to prepare to sell my home in a few months? is Spring still the best time to list a home to sell? how can I improve my home’s curb appeal? and more check out this selling guide.Additional ResourcesCheck out these staying informed resources for more on renting, finances, life at home and market updates.Something to RememberAlthough selling and buying properties, particularly during this time, will be stressful – it is important to remember that you can’t shake off certain responsibilities that would otherwise be commonplace. For example, whether you are selling a property or vacating a rental, it’s important that you ensure that it is in top shape for the next owner. This means far more than doing a bit of cleaning before you leave, and wiping away the dust from underneath the furniture. Remember, while virtual or video viewings are a great way to abide by social distancing regulations – they are often criticized for omitting certain flaws. For example, cracks in your foundation may be hard to spot on a quick video call – but this doesn’t negate the issue entirely, and you must make sure that you take the time to get in touch with a foundation repair company to resolve the issue ahead of time.  Minimize this risk by ensuring that you complete any necessary renovations ahead of time – keeping potential buyers happy. This means that nothing will step in your way of the big move – and could also mean that you receive more money for your property if selling.  LEAVE A REPLY Cancel reply Save my name, email, and website in this browser for the next time I comment. You have entered an incorrect email address! Please enter your email address here Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Please enter your name here The Anatomy of Fear Please enter your comment! TAGSBuyingCOVID-19ResourcesSellingZillow Previous articleHope will not be cancelledNext articleWhy people need rituals, especially in times of uncertainty Denise Connell RELATED ARTICLESMORE FROM AUTHOR Support conservation and fish with NEW Florida specialty license plate Share on Facebook Tweet on Twitterlast_img read more

Fake Cop Nabbed for Check Fraud, Police Say

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A Queens man has been accused of impersonating a police officer to con jewelry stores into accepting fraudulent checks in exchange for gold necklaces worth more than $5,000 last month.Nassau County police arrested Brian Harrington on charges of criminal possession weapon, criminal impersonation of a police officer and issuing bad checks.Fourth Squad detectives alleged the 31-year-old Glendale man flashed a badge at the owner of Rafael’s Jewelry on Peninsula Boulevard in Hewlett on Aug. 15, told the victim he was a cop and asked to see a chain worth $2,965.Harrington, who also flashed a gun holder in his belt, told the victim that he had lost his debit card and wanted to pay by check, which was later found to be made out from a closed account, police said.Later the same day, Harrington allegedly pulled the same scam to get a $2,283 chain from Gulgattie Jewelry in Tri Count Flea Market on Hempstead Turnpike in Levittown.Harrington was apprehended Wednesday in Elmont.  He will be arraigned Thursday at First District Court in Hempstead.last_img read more

NAFCU urges lawmaker support for mortgage points-and-fees bill

first_imgNAFCU with 10 other trade associations on Tuesday urged members of the House to cosponsor NAFCU-supported legislation that would clarify the definition of points and fees under the Truth in Lending Act (TILA) as applied through the CFPB’s qualified mortgage rule.The bill, the Mortgage Choice Act (H.R. 1153), was introduced in February by Reps. Bill Huizenga, R-Mich., Ed Royce, R-Calif., David Scott, D-Ga., Steve Stivers, R-Ohio, Gregory Meeks, D-N.Y., Mike Doyle, D-Pa., and David Joyce, R-Ohio. It awaits action by the House Financial Services Committee.The legislation would adjust the TILA mortgage rules by exempting from the qualified mortgage cap on points and fees any affiliated title charges and escrow charges for taxes and insurance.“H.R. 1153 endeavors to restore a full and open competitive market by clarifying the definition of fees and points,” the letter states. “In doing so, the legislation will ensure consumers more choices in credit providers and settlement service options.”An identical bill, the Mortgage Choice Act of 2015 (H.R. 685), passed the House last Congress 286-140. continue reading » 10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

US coronavirus death toll passes 3,000: Johns Hopkins University

first_imgHarrowing scenes from hospitals in New York and elsewhere revealed a health system unprepared with basic supplies such as face masks, as well as life-saving devices like respirators.On Sunday, Trump cancelled his plans to re-open much of the country by Easter — April 12 — and extended social distancing guidelines until the end of April after his top scientists confronted him with data on the rising coronavirus crisis.Trump said America’s death rate was likely to increase for two weeks, describing as “horrible” a prediction by senior scientist Anthony Fauci that COVID-19 could claim up to 200,000 lives. The US death toll from the coronavirus pandemic passed 3,000 on Monday, according to the running tally compiled by the Johns Hopkins University, with more than 163,000 confirmed cases.The United States has recorded 3,008 deaths, according to the tally, while its 163,429 cases are by far the highest national number ahead of Italy, Spain and China.President Donald Trump has been criticized for an initially slow response by the federal government to the now-accelerating pandemic spread. Topics :last_img read more

Yankees vs Red Sox Is Going To Be Epic This Season

Yankees vs Red Sox Is Going To Be Epic This Season

31950April 18155415601556.9 How this year is shaping up for the Yankees-Red Sox rivalryBest Elo ratings for the Yankees and Red Sox (based on harmonic mean of two teams’ ratings) going into their first matchup of the season, 1901-2018 152018April 10154915471547.7 The harmonic mean helps identify pairs where both values are high, which lets us weed out pairs where only one team was very good and the other was bad. 82010April 4156915371552.9 11978June 19154815681558.2 172008April 11153615581547.1 41943April 25156915451556.7 The first Yankees-Red Sox matchup of 2018 is happening tonight, and ordinarily, we’d be full of anticipation over one of the best seasons in memory for the historic rivalry.And yet, between injuries and early-season slumps, a bucket of cold water has been splashed on each team’s start of the season. The Yankees come into the game with a disappointing 5-5 record, headlined by the well-documented struggles of right fielder Giancarlo Stanton — who has turned into a $25 million strikeout machine. And the biggest factor driving Boston’s early success hit the disabled list Monday, as shortstop Xander Bogaerts injured his ankle Sunday sliding into the dugout after a stray ball. Because of these setbacks, we might not see the best the Red Sox and Yankees have to offer until later in the year, with this week’s games merely serving as previews for the true battles to come.Stanton’s problems were on display Sunday, when he had his second five-strikeout performance of the season, this time against the Baltimore Orioles. In the process of earning that platinum sombrero, Stanton became only the third player in MLB history to post multiple five-K games in the same season (joining Ray Lankford of the Cardinals in 1998 — who had three such games — and Deron Johnson of the Reds in 1964). The difference is that it took both Lankford and Johnson months to get rung up so many times in separate games; for Stanton, it took exactly 11 days. (Not to mention that Lankford and Johnson were not reigning National League MVPs.)His whiffs might have also earned Stanton the record for the quickest descent from fan adoration to full-on boo birds at Yankee Stadium, even adjusting for the notorious pressure-cooker that is baseball in the Bronx. Obviously, Yankees fans need to collectively take a timeout and walk around the block — Stanton is sure to regress back to some version of his established norms before long. But Stanton does appear to be a little out of sorts these days. So far this season, he’s swinging at more pitches outside the strike zone than he did last year. He’s getting in favorable hitter’s counts less often. He’s making much less contact, whiffing especially often on pitches inside the zone. And in an era of uppercut swings, Stanton’s swing is flattening out: He’s down to an average launch angle of 10.6 degrees this year, continuing a three-year dip in the metric.Of course, Stanton used only a barely steeper swing plane to bash a career-best 59 home runs last year, even flirting for a while with Roger Maris’s pre-steroids-era record (61) for homers in a season. And Stanton’s average exit velocity is higher this year than last. So it’s a good bet that Stanton will eventually settle down and start delivering on the big expectations that followed him from the Marlins to the Yankees. The question is when — and whether it will come against a Red Sox staff that ranks second in the majors in fielding independent pitching.Speaking of the Sox, before Sunday, finding faults in their MLB-leading 8-1 start to the season was difficult. But without Bogaerts, Boston is down its best hitter this season just as the archrival Yankees are arriving in town. According to the Red Sox, Bogaerts is expected to miss up to two weeks with the ailment. It’s not a severe injury, but it comes at the worst possible time for the budding star.Bogaerts has long been one of the most tantalizing players in baseball, a shortstop with the bat skills to potentially hit .300 and the power to mash 20 homers. But even though he has enjoyed a fine run over the past three seasons and change, he hasn’t quite put everything together in the same season like, say, Houston’s Carlos Correa was able to last year. Just like Stanton in New York, Bogaerts has been a victim of both his own talent and the expectations that come from playing under the microscope of an insatiably baseball-crazed fan base.In the first week-plus of this season, however, Bogaerts appeared to be enjoying the breakout season that Boston fans have been waiting for. Not only was he leading all Red Sox players in wins above replacement, but he also ranked seventh in all of baseball (including hitters and pitchers) in the statistic. If he were to have more games like the six-RBI performance he produced against the Rays on Saturday (which included this mammoth grand slam over the Green Monster), Bogaerts would have been building the foundation for a potential MVP-type season. Now, his absence leaves a hole in the middle of Boston’s lineup.Of course, the Red Sox still have Mookie Betts, J.D. Martinez, Rafael Devers and even the resurgent Hanley Ramirez. They also have that stingy pitching staff, led by Tuesday’s starter, ace Chris Sale (who’s off to another Cy Young-caliber season with a 0.82 ERA in his first pair of starts). There’s plenty of talent on both sides going into this initial Boston-New York skirmish.In fact, according to our Elo ratings (a rolling estimate of each team’s quality over time), this is among the best the teams have ever been1In terms of the harmonic mean of the two teams’ Elo ratings. going into their first meeting in a given season (and the best since 2010): 191999May 18155915311544.6 202009April 24153315511541.9 52000May 26155915541556.7 71949April 22155815481553.0 101939April 20156615351550.5 131998May 22157715211548.5 91942April 17156815371551.9 112005April 3153715641550.2 161979May 18154615481547.2 Elo Ratings 141986June 16155015461547.9 61940April 26158415281555.5 122003May 19156315361549.1 181952April 23155715351546.0 RkSeasonDateYankeesRed SoxHarmonic Mean 21951April 17156515501557.7 Still, there’s a good chance that we won’t see that true potential emerge until we get deeper into the two teams’ 19-game head-to-head slate. Bogaerts will return soon enough, and Stanton will surely get comfortable and go on a home run tear at some point. Last season’s Red Sox-Yankees matchups were the most meaningful they’d been in a dozen years — in terms of influence on the pennant race — and this year’s crop could be even more consequential, given the aforementioned Elo ratings and the projected closeness of the AL East race. This week’s series is just the beginning, a sneak peek for what still ought to be the summer’s most compelling tug-of-war. read more

Mamatas development work to be poll plank of Dulal Das for Maheshtala

Mamatas development work to be poll plank of Dulal Das for Maheshtala

first_imgKolkata: Trinamool Congress candidate Dulal Das is banking on the all-round development work of Chief Minister Mamata Banerjee, as he hopes to win the Maheshtala by-election scheduled to be held on Monday.The Maheshtala Assembly seat in South 24-Parganas district fell vacant after the death of its two-time representative Kasturi Das of Trinamool in February this year. Das has been pitched against a Congress-Left Alliance and BJP that has emerged as a distant second in the recently concluded Panchayat elections. The CPI(M)-Congress alliance had fielded Pravash Chowdhury while BJP’s candidate is Sujit Ghosh. Also Read – Heavy rain hits traffic, flights”The Panchayat election results have shown clearly that people of the state are with the development of Mamata Banerjee. Maheshtala is also not an exception. In the last few years, a development wave has swept here. I have been campaigning, highlighting the development work that has taken place and will follow in the next few years,” Das said.According to Das, who is the sitting chairman of Maheshtala Municipality, 80 percent of the sprucing up of the roads has already been completed, along with complete overhaul of the water distribution system. Also Read – Speeding Jaguar crashes into Merc, 2 B’deshi bystanders killed”Urban Development and Municipal Affairs minister Firhad Hakim has assured me to construct an intake jetty at Pujali for treatment of water, so that water from Pujali can also be used in Maheshtala,” Das maintained.Major real estate development like Eden City and Bata Riverside has changed the topography of the area. “The 19 km flyover from Jinjira Baazar to Bata will make the connectivity much better,” he added.The seat had been a CPI(M) bastion till 2011, when it lost to Trinamool Congress, which grabbed power in the state. Dulal’s wife late Kasturi Das defeated CPI(M)’s candidate by more than 26,000 votes. In 2016, she returned to defeat the party again by 12,452 votes. In contrast, the BJP received 3,689 votes in 2011 and 14,909 votes in 2016. The bypoll has been scheduled for May 28 and counting will be on May 31.The Maheshtala Assembly constituency has 35 wards of Maheshtala municipality. However, wards from 1 to 7, 9 and 10 have gone out of the municipality area because of delimitation.It may be mentioned that the 26 wards, starting from the border of Metiabruz-Garden Reach up to Shyampur, have a sharp divide not only population-wise, but also in terms of social status and economic sustainability. The area from Shyampur to Batanagar has a dominance of Hindu population, which thrives on service and business, while the 45 percent Muslim population living on the both sides of the railway track from Brace-Bridge to Akra, Memanpur and Dakghar is mainly dependent on the garment industry.last_img read more

Relish your usual tea with a twist at MISTER CHAI

Relish your usual tea with a twist at MISTER CHAI

first_imgTo tea lovers the fragrance adds a finishing touch to the drink they cherish so much. However, the world has too many varieties of tea that can be tasted. Travelling the world may not be everyone’s cup of tea hence, Shangri- La- Eros Hotel has come up with Mister Chai-a new Tea restaurant. It is a first of its kind tea restaurant which serves exquisite variety of tea and coffee. It a unique concept that has been curated to give patrons a local ‘tea shop feel’ focusing on regional Indian street food and beverages with a strong focus on tea. Also Read – ‘Playing Jojo was emotionally exhausting’Conceptualised by the renowned Dubai based interior design company. Stickman Designs, Mister Chai is an intimate and relaxed space, with a seating capacity of up to 50 guests, enclosed by a beautifully detailed brass balustrade, with each bookend creating a unique design detail. This quaint and exquisite element ensures that guests enjoy privacy from the main lobby. Unlike a conventional tea lounge, Mister Chai is a dining destination in its own right. Popular Indian street food has been re-invented and presented in exceptional style.  Experienced and talented chefs under the guidance of executive hef Neeraj Tyagi, have collaborated to design a menu that is as creative as it is well thought out.  Also Read – Leslie doing new comedy special with NetflixThe Chai Ki Tapri, which consists of the traditional Cutting Chai, Meri Apni Cutting and Kadak Masala Chai provide the quintessential Indian Chai experience. The beverage menu further offers a variety of Black Teas, Green Teas, Oolong Teas and Herbal Teas, Regional Teas, as well as Chai Thandi a variety of Iced Cold Teas.  The menu also contains a section called the Mister Chai’s Microbrewery, which offers a selection of freshly brewed lavazza coffee. The Single Origin Coffee selection is inspired from specific coffee native regions such as Blue Mountain (Jamaican, Full Bodied and powerful), Rain Forest (Costa Rican, Aromatic and Refined) and more. Mister Chai also offers non-tea specialties from the streets of India under the Indian Chaska selection such as Masala Cola, Nimbu Lemon, Orange Ginger Punch, among other similar exciting beverage options. The collection of mouth-watering snacks that have been created is a kaleidoscope of regional dishes with a modern twist. The ‘Namkeen ka Dabba ‘, which is also considered to be the famous Indian savoury teatime snack, comprises of Ajwani Matthi, Curry Patta Peanuts, Cheese Fan giving your palate the perfect flavourful punch. The Wow Pao is a modern take on the native Maharashtran snack consisting of aperitifs such as the Goan Chorizo Pao, Shikampuri Pao or even the classic Vada Pao. Continuing with the Maharashtran inspired relishes, the menu also contains a ‘Taste of Mumbai’ section comprising of classics such as Colaba Fish Fry Sandwich, Bun Maska and much more which encapsulate the authentic flavours of Maharashtra. The Chaat Pe Charcha selection comprises of Corn Bhel, Kale Pakora Chaat, and Shakarkandi Chaat encapsulating flavours in sync with the most popular street food in the Capital.last_img read more