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Jana Pounder - GRI

Talent Bank Relocation, LLC

w: 480-363-2813 c: 480-363-2813 My Website: Visit Me There Email: Email Me Now

RETAIL AND RESTAURANTS AT SUN CITY GRAND, SURPRISE AZ.

Posted by Jeff Lichter on August 16th, 2008

Being a colossal active adult community of approximately 10,000 homes, Sun City Grand also contains some commericial property
within the community itself. For instance, it offers both Dillons Grand and JB’s restaurants, both Wells Fargo and Chase Bank branches, and a retail strip with tenants such as CVS Pharmacy, Ed Jones Financial, Ken Meade Realty and others. Anchor grocery stores such as Fry’s, Safeway, and Albertson’s are located just outside of the front and rear entrances.

For the complete picture of what the great life here at SCG is like, take a look at www.grandinfo.com. To obtain specific real estate information, contact myself at lichterjeff@msn.com or through my website at www.jefflichter.com. My sequential blog about what life is like here can be found at www.activeadultretirement@blogspot.com.

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COMMUNITY COMMUNICATION AT SUN CITY GRAND

Posted by Jeff Lichter on August 12th, 2008

Besides being what I consider the best active adult community not only in Arizona, but the entire country, Sun City Grand is an extremely large community. Comprised of just about 10,000 homes, there is always an overwhelming number of events and activities on the agenda for any given week or day. Residents can access the long list of clubs and activities in the monthly 60 page magazine which is published and distributed to all residents under the name of GRAND TIMES. In addition, residents, non-residents, or aspiring out of town residents can obtain the same information on the website at www.grandinfo.com.

This week, besides all of the athletic and fitness activities always ongoing, one could become involved with dance, drama, dinner groups, travelling opportunities, card playing clubs, gardening, etc. etc. For more specific information or to submit any questions about homes here or anything else, contact me at lichterjeff@msn.com

See full blog at www.activeadultretirement.blogspot.com

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TODAY AT SUN CITY GRAND

Posted by Jeff Lichter on August 11th, 2008

For those of you who may be interested in our real estate portfolio here at SCG, the Multiple Listing Service tells us that today there are 193 active listings of single family homes for sale here. Prices range from $179,000 to over $800,000 with 110 of the listings below $300,000 and 140 of them below $400,000. Contact me directly at lichterjeff@msn.com for more detailed information on the homes available here. For all of the information about Sun City
Grand, go to www.grandinfo.com.
Temperatures are expected to reach about 105 degrees today, which is normal or just slightly below average for early August. I know that I appreciated that earlier today when my summer softball league team had a game starting at 8:15 AM when the clouds were still out and the temperature slightly below 90 at the time with high humidity however. My team won 10-8 in a comeback victory. I had a 3-4 day at the plate (sample photo above).
Until next time, have a great day!

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Brian Tracy Quote

Posted by TalentBankRelocation on July 30th, 2008

The Four P’s of Persuasion
By: Brian Tracy

Perception Is Everything
There are four “Ps” that will enhance your ability to persuade others in both your work and personal life. They are power, positioning, performance, and politeness. And they are all based on perception.

Develop Personal Power
The first “P” is power. The more power and influence that a person perceives that you have, whether real or not, the more likely it is that that person will be persuaded by you to do the things you want them to do. For example, if you appear to be a senior executive, or a wealthy person, people will be much more likely to help you and serve you than they would be if you were perceived to be a lower level employee.

Shape Their Thinking About You
The second “P” is positioning. This refers to the way that other people think about you and talk about you when you are not there. Your positioning in the mind and heart of other people largely determines how open they are to being influenced by you.

In everything you do involving other people, you are shaping and influencing their perceptions of you and your positioning in their minds. Think about how you could change the things you say and do so that people think about you in such a way that they are more open to your requests and to helping you achieve your goals.
Be Good At What You Do
The third “P” is performance. This refers to your level of competence and expertise in your area. A person who is highly respected for his or her ability to get results is far more persuasive and influential than a person who only does an average job.

Commit to Excellence
The perception that people have of your performance capabilities exerts an inordinate influence on how they think and feel about you. You should commit yourself to being the very best in your field. Sometimes, a reputation for being excellent at what you do can be so powerful that it alone can make you an extremely persuasive individual in all of your interactions with the people around you. They will accept your advice, be open to your influence and agree with your requests.

Treat People Politely
The fourth “P” of persuasion power is politeness. People do things for two reasons, because they want to and because they have to. When you treat people with kindness, courtesy and respect, you make them want to do things for you. They are motivated to go out of their way to help you solve your problems and accomplish your goals.

Being nice to other people satisfies one of the deepest of all subconscious needs, the need to feel important and respected. Whenever you convey this to another person in your conversation, your attitude and your treatment of that person, he or she will be wide open to being persuaded and influenced by you in almost anything you need.

Perception Is Reality
Again, perception is everything. The perception of an individual is his or her reality. People act on the basis of their perceptions of you. If you change their perceptions, you change the way they think and feel about you, and you change the things that they will do for you.

Action Exercises
Here are two things you can do immediately to put these ideas into action:

First, think continually about the impression you want to make on others and then make sure that everything you do or say is consistent with that perception.

Second, be nice to people. Practice the Golden Rule in your interactions with others. Always be polite and make others feel important.

The more people like you, the more open they are to being influenced by you.

Jana Pounder
Arizona Relocation Specialist
Talent Bank Relocation, LLC
3838 N. Central Ave. #1850
Phoenix, AZ 85012
Cel: 480-363-2813
JanaPounder@TalentBankRelocation.com
www.TalentBankRelocation.com
Moving your life

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Local Phoenix Events

Posted by TalentBankRelocation on July 30th, 2008

ART TOUR

time varies, based on date

Location: downtown arts district
Phone: (602) 488-9494

An exclusive tour of the downtown Phoenix Arts Scene. This tour targets the arts enthusiast and buyer, providing a guided tour of The Roosevelt Row and Grand Avenue Arts Districts.
ARTOUR’s provided for groups large and small, in town and out of town. Each ARTOUR caters to the tastes and flavors of the attendees, and offer intimate connections to our downtown arts culture. Tours can be any length of time and personalized for your group to include suggestions for culinary, musical and theatrical endeavors to compliment your experience in our emerging Downtown Arts Scene.
Tours are $100 per person, per hour for the tour. Transportation can be provided for an additional fee, cost varies based on references. Group Rates are available.

Other Phoenix events can be found at

Jana Pounder
Relocation Specialist in Arizona
Moving our Life!
Talent Bank Relocation, LLC
www.talentbankrelocation.com

Arizona Relocation

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Sky Harbor

Posted by TalentBankRelocation on July 30th, 2008

Roadway Restrictions

–> Phoenix Airport

The airport is accessible by a number of different roads and freeways. If you are unsure about your route, get Directions here.

The airport is located in the heart of Phoenix. View the Phoenix Area map to get oriented.

Sky Harbor’s three terminals provide great options for eating, snacking, excellent shopping and special services. Grab a quick snack or enjoy a leisurely meal. Pickup an item you may have forgotten to pack, or get your shoes shined while you wait. Use the list below to plan ahead.

Information about options at Terminal 2.

Listing of shops and restaurants at Terminal 3.

See what Terminal 4 has to offer.

Jana Pounder
Relocation Specialist in Arizona
Moving Your Life!
www.talentbankrelocation.com

Arizona Relocation

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No-Downpayment Loans Still Out There

Posted by TalentBankRelocation on June 17th, 2008

Despite banks’ reactions to the foreclosure crisis, it’s still possible for a potential homeowner to buy with no money down.

Some options come from Fannie Mae and Freddie Mac and are aimed at making homeownership possible for buyers with limited credit and savings, including teachers, firefighters, and members of the military. Some of the loan programs, which are available through cooperating lenders, even allow 105 percent financing to cover closing costs.

Freddie Mac says such loans have lower delinquency rates because borrowers are required to complete homeownership education.

Earlier this year, Fannie Mae experimented with a policy that demanded a minimum of 10 percent down in markets where home prices were declining.

In May, it modified the policy to allow buyers in declining markets to borrow up to 97 percent of the purchase price with a conventional mortgage and meet any other need with a second mortgage that lenders are required to forgive after five years of successful payments.

Source: Washington Post, David S. Hilzenrath (06/09/08)

Jana Pounder

Relocation Specialist in Arizona

www.TalentBankRelocation.com

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Real Estate Glossary and Mortgage Terminology

Posted by TalentBankRelocation on June 17th, 2008

Talent Bank Relocationwww.TalentBankRelocation.com

Real Estate Glossary and Mortgage Terminology

Adjustable Rate Mortgage (ARM): A mortgage with an interest rate that changes over time in line with movements in the index. ARMs are also referred to as AMLs (adjustable mortgage loans) or VRMs (variable rate mortgages).

Adjustment Period: The length of time between interest rate changes on an ARM. For example, a loan with an adjustment period of one year is called a one-year ARM, which means that the interest rate can change once a year.

Amortization: Repayment of a loan in installments of principal and interest, rather than interest-only payments.

Annual Percentage Rate (APR): The total finance charge (interest, loan fees, and points) expressed as a percentage of the loan amount.

Appraisal/Appraised Value: An opinion of the market value of a home expressed by a Certified Real Estate Appraiser.

Assumption of Mortgage: A buyer’s agreement to assume the liability under an existing note that is secured by a mortgage or deed of trust. The lender must approve the buyer in order to release the original borrower (usually the seller) from liability.

Balloon Payment: A lump sum principal payment due at the end of some mortgages or other long-term loans.

Cap: The limit on how much an interest rate or monthly payment can change, either at each adjustment or over the life of the mortgage.

CC&R’s: Covenants, conditions and restrictions. A document that controls the use, requirements and restrictions of a property.

Certificate of Reasonable Value (CRV): A document that establishes the maximum value and loan amount for a VA guaranteed mortgage.

Closing Statement: The financial disclosure statement that accounts for all of the funds received and expected at closing, including deposits for taxes, hazard insurance, and mortgage insurance.

Condominium: A form of real estate ownership where the owner receives title to a particular unit and has a proportionate interest in certain common areas. The unit itself is generally a separately owned space whose interior surfaces (walls, floors and ceilings) serve as its boundaries. (Sometimes called “Paint-to-Paint.”)

Contingency: A condition that must be satisfied before a contract is binding. For instance, a sales agreement may be contingent upon the buyer obtaining financing.

Conventional Mortgage: A loan not guaranteed, insured or made by the federal or state government.

Conversion Clause: A provision in some ARM’s that enables you to change an ARM to a fixed-rate loan, usually after the first adjustment period. The new fixed rate is generally set at the prevailing interest rate for fixed-rate mortgages. This conversion feature may require additional funds.

Cooperative: A form of multiple ownership in which a corporation or business trust entity holds title to a property and grants occupancy rights to shareholders by means of proprietary leases or similar arrangements. (Also called a “Co-op.”)

Deed: A legal document conveying ownership of property. Should be recorded by the county recorder.

Debt-To-Income (DTI) Ratio: The ratio of monthly debt payments to monthly gross income. Lenders use a housing DTI ratio (house payment divided by monthly income) and a total DTI ratio (total debt payments including the house payment, divided by monthly income) to determine whether a borrower’s income qualifies him or her for a mortgage.

Due-On-Sale Clause: A clause that requires full payment of a mortgage or deed of trust when the secured property changes ownership.

Earnest Money: The portion of the down payment delivered to the seller or escrow agent by the purchaser with a written offer as evidence of good faith.

Escrow: A procedure in which a third party acts as a stakeholder for both the buyer and the seller, carrying out both parties’ instructions and assuming responsibility for handling all of the paperwork and distribution of funds.

FHA Loan: A loan insured by the Federal Housing Administration (of the Department of Housing and Urban Development).

Federal National Mortgage Association (FNMA): Popularly known as Fannie Mae. A privately owned corporation created by Congress to support the secondary mortgage market. It purchases and sells residential mortgages insured by FHA or guaranteed by the VA, as well as conventional home mortgages.

Fee Simple: An estate in which the owner has unrestricted power to dispose of the property as he wishes, including leaving by will or inheritance. It is the greatest interest a person can have in real estate.

Finance Charge: The total cost borrower must pay, directly or indirectly, to obtain credit according to Regulation Z.

Fixed-Rate Mortgage (FRM): A loan on which the interest rate and monthly payment do not change.

Graduated Payment Mortgage: A residential mortgage with monthly payments that start at a low level and increase at a pre-determined rate.

Hazard Insurance: A policy that protects against damage to a property caused by fire, wind or other hazards including acts of God.

Home Inspection Report: A qualified inspector’s report on a property’s overall condition. The report usually includes an evaluation of both the structure and mechanical systems.

Home Warranty Plan: Protection against failure of mechanical systems with the property. Generally includes plumbing, electrical, heating systems and installed appliances.

Impound Account: An account established by a lender to collect a borrower’s property tax and insurance payments.

Index: A measure of interest rate changes use to determine changes in an ARM’s interest rate over the term of the loan.

Joint Tenancy: An equal undivided ownership of property by two or more persons. Upon the death of any owner, the survivors take the decedent’s interest in the property.

Lien: A legal hold or claim on property as security for a debt or charge.

Loan-To-Value Ratio: The relationship between the amount of the mortgage and the appraised value of the property, expressed as a percentage of the appraised value.

Margin: The number of percentage points the lender adds to the index rate to calculate the ARM interest rate at each adjustment.

Mortgage Interest Deduction: The ability of mortgage borrowers to deduct the interest paid on a home loan for purposes of federal and state income taxes.

Mortgage Life Insurance: A type of term life insurance often purchased by homebuyers. The coverage decreases as the mortgage balance declines. If the borrower dies while the policy is in force, the mortgage debt is automatically covered by insurance proceeds.

Negative Amortization: Negative amortization occurs when the monthly payments fail to cover the monthly interest cost. The interest that isn’t covered is added to the unpaid principal balance, which means that even after several payments you could owe more than you did at the beginning of the loan. Negative amortization can occur when an ARM has a payment cap that results in monthly payments that aren’t high enough to cover the interest.

Origination Fee: A fee or charge for work involved in evaluating, preparing, and submitting a proposed mortgage loan. The fee is limited to 1 percent for FHA and VA loans.

PITI: Principal, Interest, Taxes and Insurance.

Planned Unit Development (PUD): A zoning designation for property developed at the same or slightly greater overall density than conventional development, sometimes with improvements clustered between open, common areas. Uses may be residential, commercial or industrial.

Point: An amount equal to 1 percent of the principal amount of the investment or note. The lender assesses loan discount points at closing to increase the yield on the mortgage to a position competitive with other types of investments.

Prepayment Penalty: A fee charged to a borrower who pays a loan before it is due. Not allowed for FHA or VA loans.

Private Mortgage Insurance (PMI): Insurance written by a private company protecting the lender against loss if the borrower defaults on the mortgage.

Purchase Agreement: A written document in which the purchaser agrees to buy certain real estate and the seller agrees to sell under stated terms and conditions. Also called a sales contract, earnest money contract, or agreement for sale.

Realtor: A real estate broker or associate (agent) active in a local real estate board affiliated with the National Association of Realtors. Not all licensees are Realtors.

Regulation Z: The set of rules governing consumer lending issued by the Federal Reserve Board of Governors in accordance with the Consumer Protection Act.

Tenancy in Common: A type of joint ownership of property by two or more entities.

Title: A legal document establishing the right of ownership of a property.

Title Insurance Policy: A policy that protects the purchaser, mortgagee or other party against losses.

Underwriting: The process of evaluating a loan application to assure the lender that the buyer is qualified to secure the loan.

VA Loans: A loan made by a private lender that is partially guaranteed by the Veterans Administration.

These definitions are general in nature and not intended to be complete. Please seek legal counsel, tax advice and/or lender information from the appropriate professional sources.

Prepared Talent Bank Relocation Jana Pounder

480-363-2813

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Arizona Relocation Specialist

Posted by TalentBankRelocation on June 15th, 2008

Jana Pounder
Relocation Specialist
Talent Bank Relocation, LLC
3838 N. Central Ave., Ste. 1850
Phoenix, AZ 85012
Cel: 480-363-2813
JanaPounder@TalentBankRelocation.com
http://TalentBankRelocation.com
Moving your life!

Jana Pounder
Arizona Relocation
Moving Your Life!
www.talentbankrelocation.com

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Arizona Schools / Phoenix Schools

Posted by TalentBankRelocation on June 13th, 2008

Are you moving into the great city of Phoenix, AZ? Do you have a young family? I have done the leg work for you, the website http://www.azed.gov/schools/schools/districts.asp list all the school districts in Arizona and this listed website http://www.greatschools.net/ allows you to match schools up to find the best school for your children. We all know that nothing is more important in our lives than our family and here you will find the first step to moving in to Phoenix. Contact me and I will help to guide you in all your future decision making.

Jana Pounder

www.TalentBankRelocation.com

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Real Estate & Relocation Specialist

Thinking of moving? Need expert real estate advice? Please contact me!

Talent Bank Relocation, LLC

480-363-2813 (work)
480-363-2813 (cell)

Jana Pounder - GRI

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RETAIL AND RESTAURANTS AT SUN CITY GRAND, SURPRISE AZ.

COMMUNITY COMMUNICATION AT SUN CITY GRAND

TODAY AT SUN CITY GRAND

Brian Tracy Quote

Local Phoenix Events

Sky Harbor

No-Downpayment Loans Still Out There

Real Estate Glossary and Mortgage Terminology

Arizona Relocation Specialist

Arizona Schools / Phoenix Schools

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