Get my full story, Hot NONE In the Summertime…Real Estate Sales on Vacation, online.  Find more timely statistics on Raleigh Durham and search the great Raleigh homes for sale and buyer’s market incentives on Raleigh real estate at www.HomeSearchRALEIGH.com.

It’s more value-added information from your Raleigh realtor, Rick Freeman and the Freeman/Davis Home Team.

Check out my blog post at Rick Freeman’s DayTripping Series – Mayberry, NC – It’s For Real and In Living Color. See more things to do in Raleigh Durham and search the great Raleigh homes for sale and buyer’s market incentives on Raleigh real estate at www.HomeSearchRALEIGH.com.

It’s more value-added information from your Raleigh realtor, Rick Freeman and the Freeman/Davis Home Team.

It’s more value-added information from your Raleigh realtor, Rick Freeman and the Freeman/Davis Home Team.

Check out my blog post at Rick Freeman’s DayTripping Series – Tax Free Weekend. See more things to do in Raleigh Durham and search the great Raleigh homes for sale and buyer’s market incentives on Raleigh real estate at www.HomeSearchRALEIGH.com.

It’s more value-added information from your Raleigh realtor, Rick Freeman and the Freeman/Davis Home Team.

on our website at

DO: Find an independent agent that will allow you to get quotes from several insurance providers.

DON’T: Buy the first policy you are offered with when shopping.

DO: Contact an insurance agent in person to tailor your policy and make sure you’re getting the best and most adequate coverage for the money you pay.

DON’T: Drop home insurance or necessary types of coverage altogether just to lower the costs.

DO: Review your deductibles and adjust them if needed to relate adequately to your financial abilities if an insurance situation takes place. Remember that higher deductibles will lower you rates.

DON’T: Raise your deductibles to the amount you will find hard to pay in case it comes to filing a claim.

DO: Speak to your insurance agent to learn if there are any homeowner’s insurance discounts provided by your insurer you are eligible for.

DON’T: Forget about updating your insurance coverage after adding square footage to your house, performing important modifications (installing ventilation or security systems), or buying expensive things that are to be kept on your property.

DO: Find a provider that will carry more types of insurance rather than only homeowners insurance.  You can receive substantial discounts by having your auto, life and home insurance policies with the same carrier.

DON’T: Drop substantial amounts of liability coverage in order to save money because some day it can be really helpful and your savings can lead to serious losses if you do not have enough liability coverage.

DO: Renew your policy and avoid cancellations because it will get more expensive to renew it or get a new one if your policy was simply void without any reason.

DON’T: Drop your homeowners insurance policy in case your mortgage lender doesn’t require it anymore or you have paid off your loan.

Try to employ as many of these tips as possible and you will see that having good homeowners insurance with low rates and adequate coverage is really possible. Keep in mind that having cheap coverage can turn around to be very costly when facing an insurance situation. So try to get adequate coverage while still having your family budget in mind. Shop around and find the best policy out there to keep your house protected no matter what.

Details and Floorplan Online at www.9148FawnHill.com 
See the Video at www.TourFawnHill.info

What is the study about?
The University of Iowa Public Policy Center is conducting a national study to evaluate public response to the new mileage-based road user charge system.  This system could one day replace the gas tax.  We are looking for participants to help us develop and test the best possible system for vehicle drivers.

To participate in the study, you must:

If you meet these requirements and are interested in being part of the Road User Study, you can complete an on-line survey to get started. Once you have completed the survey, a member of the study team will contact you if you are selected to participate in the Road User Study.  For more info, go to www.roaduserstudy.org/survey.aspx

Here’s the good part…participants will be paid $300 after completing the training session and having the on-board computer installed in their vehicle. The monthly compensation will be $40 per month for 8 months. Participants will be paid a final compensation of $275 after completing the exit interview and having the on-board computer removed from their vehicle. The total compensation for completing all study requirements is $895.

Now if we could only get them to pay for our gas!

Typically, when the Fed cuts rates by itself, the US Dollar weakens–which leads to higher inflation and negative movement for Mortgage Bonds (higher mortgage interest rates). But a coordinated effort should keep the Dollar steady, which means Bonds may be able to benefit from the coordinated cut.

The good news is rates are still steady (so far) today and real estate (as we have maintained all along) is proving to be the safest place to invest.  If you’ve been on the fencepost with regards to buying or selling a home, let’s talk.  This may not be a good time…but then again, this could be the best time.  It all comes down to your individual situation and you can count on us to give you honest answers and sound advice.  Feel free to call the Freeman/Davis Team at 919-649-6638.  We’re online at www.FreemanDavisHomeTeam.com.

By the way, with regards to the rate cut this morning, it has the support of Presidential candidate John McCain who released the following statement.

“I applaud the move by the Open Market Committee of the Federal Reserve and other national monetary authorities to reduce interest rates to address the financial crisis spreading across the globe. It is imperative at this moment that government is responsive to the needs of Americans, restore confidence in our financial system, provide assistance to struggling homeowners, and implement pro-growth policies that will create jobs and provide a foundation for a more prosperous future. That is why last night, I called for an American Homeownership Resurgence Plan — a plan to use taxpayer money not just to bail out Wall Street, but instead to keep families in their homes and to stabilize financial markets from the bottom up. I am committed to protecting the American worker in this crisis. I am dedicated to reforming the corruption in Washington and on Wall Street that is the root of the financial system meltdown. I will get the economy back on track.” — Sen. John McCain

Providing easy access to real-time real estate information is critical for consumers in the home buying and selling process.  Our mobile society is moving away from the desktop and utilizing cell phones and PDAs for more and more content and entertainment.  With so many connecting to the Web by phone, we have to be where the consumer is in a way that makes sense.

As always, you can contact the Freeman/Davis team wherever you are.  We’re both connected via Blackberry and will instantly receive your emails at freemanr@hpw.com and by cell phone at 919-649-2941.  Happy House Hunting and remember, we’re here to represent YOU and to help you make GOOD DECISIONS!

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