There are Bugs in Your Bed!

Okay. I know you are probably saying "Bugs in my bed? There are no bugs in my bed!" Actually, there are. Dust Mites are microscopic bugs that eat dead skin cells that are shed from humans and animals. They can be found in lots of places, but are especially prevalent on mattresses, frequently used furniture, and carpeted areas. Humans slough off 1/3 (or 10 grams) of dead skin a week and cats and dogs produce even more. More than 100,000 can be on your mattress and in one square yard of carpeting. Many of us can actually be allergic to dust mites and their feces, which is a large component of dust. Okay, I know you're probably saying "That's enough, tell me how to get rid of the nasty things!"

Although we can't completely get rid of dust mites, here are some ways to reduce dust and Dust Mites in our homes:

• Cover your mattress with a plastic cover or mattress cover made exclusively for reducing dust mites.
• Use Hardwood Flooring instead of carpeting since it is easier to reduce and clean dust from hard surfaces.
• Clean regularly. Wash your sheets and blankets at least once every two weeks and clean areas where they are likely to be every week.
• Reduce fabrics on your furniture by purchasing leather furniture, which is less inviting to Dust Mites.
• Use quality air filters and replace them often in order to reduce dust and allergens in your home.

For more information about hardwood flooring options in the Broken Arrow, OK. area, contact Jim Ecrette of ProSource Wholesale Floorcoverings at 918-252-7711 or email him at prosourcejim@tulsacoxmail.com. (Don't forget to ask for Darryl Baskin's flooring discount!)

To purchase quality air filters contact Rick Butefish of Filters 4 Me at 918-292-8600 or www.filters4me.com.

How to Buy a Home from a Builder...

How Do Home Builderʼs Negotiate?
This common question has some uncommon answers. Home builders in the Broken Arrow, OK area - just like any other home seller - have their own agenda based upon the type of home they are building, their own personal philosophies of building new houses and the market forces which affect any home seller anywhere. Despite the exponential differences these variable can create, there are common practices which make buying a new home in Tulsa and the surrounding communities somewhat consistent between them.

How much should I offer on a brand new home?
Like any other home a buyer falls in love with, the reason the buyer likes the house is because it stood out as the best overall value of the houses that are available. This often means it is priced well to begin with. Therefore, while you may still be able to negotiate a better deal, donʼt be so eager to steal the property that you forget this important fact. Consider your second choice. Would you rather pay full price for your favorite or get a discount on your second favorite? An honest answer to this question will tell you if you are making a price decision based on negotiation pride or market value.

Home builders pay for workers.
Often, buyers think of home builder as “Big Corporate America,” “Big Oil,” “Real Estate Dynasties,” and such. While there are some legendary home builders with deep pockets, most are just small business people who have taken extraordinary risk to build a home. Even those well-funded builders have a bottom to their funds and have to manage their business efficiently. What you are hiring is a manager of the complex home building process. Negotiate a good deal but make sure you pay enough for the builder to be profitable or you could find your new dream home encumbered with contractor liens. This will quickly turn into a nightmare.

If you are interested in building a home in the Broken Arrow, Oklahoma area, contact Rick Oberlender of US Building Systems at 918-734-1293 or usbs@att.net.

Insurance Claims

How Do I Handle an Insurance Claim on my Homeowner's Policy? Many times homeowner's find that insurance adjusters can't answer questions about their policy. That is because, many times, insurance adjusters are sub-contracted by the insurance company. To help alleviate that problem, make sure that you ask plenty of questions about your policy before you purchase it. Find out what is covered and what isn't. Also keep in mind that many policies stipulate that you have to file a lawsuit within 1 year of the claim or you will waive any right to do so. If there are problems with your claim, you may need to file a lawsuit before the year is up in order to make sure that your time doesn't run out and you are stuck with repairs that you can't pay for. To avoid being put into that position, work ahead, ask questions, and do your research.

For more information about filing insurance claims or for an estimate for insurance coverage in Oklahoma contact Mike Tedford of Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.

For legal advice on insurance claims in Oklahoma, contact Paul Boudreaux of Richardson, Richardson, Boudreaux at 918-492-7674 or www.richardsonlawfirmpc.com.

For an estimate for roofing repair or replacement on your Broken Arrow, OK, area home, contact Judy Smith of A-Best Roofing at 918-587-1426 or www.abestroofing.com.

Protect Your Home Value During Tough Economic Times

During today's tough economic times, we constantly hear abour the suffering housing market. Keep the following tips in mind to help protect the value of your home.

• Mow your yard.
• Mow your neighbor's yard.
• Keep your house painted.
• Support your homeowner's association. This is not the time to be quibbling over inconsequential matters.
• Watch your entry to the neighborhood. Keep it well maintained.
• Exterior matters most- many owners will be facing difficulty finding the funds to maintain their home as they have in the past. Don't put home maintenance issues off or you might find a bigger problem with a bigger bill later. Hire home professionals if necessary.
• Don't flood the market if you are not a necessary seller. Your presence as a home for sale (if it competes with another house in the neighborhood) could cause a seller who is desperate to sell to become more desperate and drop their price further to compete.
• Variety of selection is important.
• Talk up the neighborhood! What you say to your friends is as important as any house advertisement.
• Never say "They will never get that!" to anyone...EVER! You should HOPE AND PRAY they DO!

To find out what your home is worth and for all your real estate needs in the Broken Arrow, Oklahoma area contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

For heating and air-conditioning maintenance and installation in the Broken Arrow, OK. area, contact Stephen Taylor with Air Assurance at 918-258-HEAT or staylor@airassurance.com

To check your Broken Arrow, Oklahoma home for termite repair or wood rot, contact Duane Montgomery of Montgomery Exterminating at 918-438-4885 or www.montgomeryexterminating.com.

New Info on Buyers Tax Credit!

Many first-time home buyers that took advantage of the $8000 tax credit a year ago are still waiting for their refund. Most of these buyers amended their 2008 tax returns. The IRS says that all amended returns are reviewed by hand, therefore it is taking longer than normal.

The IRS has also clarified the guidelines for co-borrowers seeking the tax credit. For more information about taking advantage of the buyer's tax credit in the Broken Arrow, OK. area, contact Jeff Sargent, ONB Mortgage at 918-392-6572 or jef_sargent@onbbank.com.

To buy or sell property in the Broken Arrow, OK. area contact The Baskin Real Estate Specialists at 918-258-2600 or www.darrylbaskin.com.