Support President O'bama
Karrina Taylor Brown
www/karrina.sell4.com
Health Care Reform
HELP *** THIS IS THE WRONG HEALTH CARE BILL *** INSURANCE COMPANIES HAVE NOT EVEN TOLD US HOW MUCH IT WILL COSTS ** HOW CAN THE CONGRESS VOTE?
WE NEED MEDICARE 3 *** MEDICARE FOR EVERYONE ***
You can buy it if you need to buy insurance. I guess they want to call this the public option. This is the only company licensed to perform health insurance in every state in the Union. Their administrative fees are far lower than other health insurance companies. Doctors know what will get paid and not paid.
Congressman Joe Weiner is right.
PLEASE BILL SUPPORT PRESIDENT O’BAMA
We need more from this bill. I am paying for my second breast cancer because it is a pre-existing condition. My husband took no salary for 10 years as a physician because insurance companies don’t pay as promised. Often patients can’t or don’t pay their bills.
Doctors are working part time cleaning houses and ushering.
THIS IS NOT A HEALTH CARE BILL *** IT IS A HEALTH INSURANCE BILL ***
Clinics work well at providing basic health functions.
Charity hospitals rely greatly upon contributions in order to treat patients.
Direct providers such as Kaiser Permanente are admired by patients and doctors alike.
There will always be health care rationing. We don’t have infinite resources. (Sorry for the republicans). We can either give more health care to those who need it, or give more to those who have more money.
Unfortunately the market system cannot work. To a great extent, you don’t choose your medical condition. In the rest of the market place, you choose how much house or car or debt you want to carry. You don’t choose whether to get a broken leg or a heart attack.
Yes, great strides can be made in public health. And some people do choose to take care of themselves and their health in order to save themselves money. Paying for a health club or organic food is another investment we make in our health. Exercise cures depression. The republicans gave away the store with Medicare D. Pills for everyone, and the pill companies set the costs while the government pays, and the patient and doctor decide how many to take.
The way to stop regular Medicare from losing so much money is to make it available to those people who have signed a DNR. If you don’t want to sign a DNR, then you should get supplemental insurance, spend all your own money in your last two years of life, or find a charity ready to take care of you.
Doctors are leaving the profession. It is very difficult to make money at this time. The paperwork is over bearing. And the insurance companies lie, cheat and steal from the doctors and the patients. The doctors HATE the insurance companies second guessing their diagnosis and treatment plan. Are they practicing medicine without a license, and practicing medicine without even seeing the patient?
Will all the insurance mandates in this new bill, I believe that insurance companies will raise their fees 30%-50%. WE HAVE NO QUOTES FROM THE INSURANCE COMPANIES *** AND THE CONGRESS IS SUPPOSED TO VOTE.
Insurance law, and insurance commissions are very different in each state. Some States such as Florida allow very high medical claims awards, and then their health insurance costs are high. Some States require insurance companies to pay the same treatment code at the same price to all providers, some do not. Some States mandate that insurance companies cover certain procedures. These are the procedures that their constituents want covered. WE DON’T HAVE TIME TO RE-WRITE INSURANCE LAW SO THAT HEALTH INSURANCE POLICIES ARE TRANSPORTABLE FROM STATE TO STATE
Medical school enrollments are down 30%. It is easier to get into medical school than ever before. Doctors graduate with $100Ks in debt, to work in a business which does not make much money, and which comes with great risk. They can kill someone, or make someone very sick when they are wrong. Most doctors just want to treat patients and not worry about getting paid. Soon the congress will call for H1 Visas to import foreign trained doctors because there will be a shortage of doctors.
Once the public (and insurance companies) know that medical costs are covered, then the costs of all types of other insurance should fall. Worker’s compensation costs, car insurance, liability insurance should all fall, but they won’t.
Business people and manufacturers costs should fall.
I , and Catholic Charities are paying for my breast cancer (a pre-existing condition).
My husband and I are in bankruptcy, even though he successfully treated thousands of patient; some were cured after travelling around the world to all the “finest specialists”. The insurance companies don’t pay as promised, and then when you complain to the insurance commission they take you off their lists.
Health Care is a very complex issue, but there is a very easy solution. Medicare E.
Yours truly,
Karrina Taylor Brown
WE NEED MEDICARE 3 *** MEDICARE FOR EVERYONE ***
You can buy it if you need to buy insurance. I guess they want to call this the public option. This is the only company licensed to perform health insurance in every state in the Union. Their administrative fees are far lower than other health insurance companies. Doctors know what will get paid and not paid.
Congressman Joe Weiner is right.
PLEASE BILL SUPPORT PRESIDENT O’BAMA
We need more from this bill. I am paying for my second breast cancer because it is a pre-existing condition. My husband took no salary for 10 years as a physician because insurance companies don’t pay as promised. Often patients can’t or don’t pay their bills.
Doctors are working part time cleaning houses and ushering.
THIS IS NOT A HEALTH CARE BILL *** IT IS A HEALTH INSURANCE BILL ***
Clinics work well at providing basic health functions.
Charity hospitals rely greatly upon contributions in order to treat patients.
Direct providers such as Kaiser Permanente are admired by patients and doctors alike.
There will always be health care rationing. We don’t have infinite resources. (Sorry for the republicans). We can either give more health care to those who need it, or give more to those who have more money.
Unfortunately the market system cannot work. To a great extent, you don’t choose your medical condition. In the rest of the market place, you choose how much house or car or debt you want to carry. You don’t choose whether to get a broken leg or a heart attack.
Yes, great strides can be made in public health. And some people do choose to take care of themselves and their health in order to save themselves money. Paying for a health club or organic food is another investment we make in our health. Exercise cures depression. The republicans gave away the store with Medicare D. Pills for everyone, and the pill companies set the costs while the government pays, and the patient and doctor decide how many to take.
The way to stop regular Medicare from losing so much money is to make it available to those people who have signed a DNR. If you don’t want to sign a DNR, then you should get supplemental insurance, spend all your own money in your last two years of life, or find a charity ready to take care of you.
Doctors are leaving the profession. It is very difficult to make money at this time. The paperwork is over bearing. And the insurance companies lie, cheat and steal from the doctors and the patients. The doctors HATE the insurance companies second guessing their diagnosis and treatment plan. Are they practicing medicine without a license, and practicing medicine without even seeing the patient?
Will all the insurance mandates in this new bill, I believe that insurance companies will raise their fees 30%-50%. WE HAVE NO QUOTES FROM THE INSURANCE COMPANIES *** AND THE CONGRESS IS SUPPOSED TO VOTE.
Insurance law, and insurance commissions are very different in each state. Some States such as Florida allow very high medical claims awards, and then their health insurance costs are high. Some States require insurance companies to pay the same treatment code at the same price to all providers, some do not. Some States mandate that insurance companies cover certain procedures. These are the procedures that their constituents want covered. WE DON’T HAVE TIME TO RE-WRITE INSURANCE LAW SO THAT HEALTH INSURANCE POLICIES ARE TRANSPORTABLE FROM STATE TO STATE
Medical school enrollments are down 30%. It is easier to get into medical school than ever before. Doctors graduate with $100Ks in debt, to work in a business which does not make much money, and which comes with great risk. They can kill someone, or make someone very sick when they are wrong. Most doctors just want to treat patients and not worry about getting paid. Soon the congress will call for H1 Visas to import foreign trained doctors because there will be a shortage of doctors.
Once the public (and insurance companies) know that medical costs are covered, then the costs of all types of other insurance should fall. Worker’s compensation costs, car insurance, liability insurance should all fall, but they won’t.
Business people and manufacturers costs should fall.
I , and Catholic Charities are paying for my breast cancer (a pre-existing condition).
My husband and I are in bankruptcy, even though he successfully treated thousands of patient; some were cured after travelling around the world to all the “finest specialists”. The insurance companies don’t pay as promised, and then when you complain to the insurance commission they take you off their lists.
Health Care is a very complex issue, but there is a very easy solution. Medicare E.
Yours truly,
Karrina Taylor Brown
Real Estate - Fall 09 - Northern Virginia
Tuesday, October 6, 2009
FINALLY
"REAL ESTATE IS FUN AGAIN"!!!
It’s back to school time, after an unusually cool summer. I hope that you all took time out to relax, rejuvenate and have fun with family and friends.
The real estate market was particularly active in the early summer months when buyers flooded into the market in June 2009. This lead to multiple bids on many properties, and many mid & lower priced properties sold VERY quickly. Activity slowed a little, as it usually does in the late summer, but Realtors are now back to work, and Buyers and Sellers are back in town, and looking to move.
The very low interest rates are stimulating activity. Do expect to bring a down payment to the closing table, and have reserve money left in the bank after your purchase. Sellers are often willing to help with closing costs.
There is a federal income tax credit of $8,000 available for first time buyers, or those who have not owned a home in the past 3 years, with less than $95,000 (married filers with income up to $159.000). The home must be purchase before December 1, 2009. This a tax credit for the current year, which has to be paid back over time, unless you live in the home for 3 years.
Loan programs are changing daily. New regulations are being enacted every few weeks.
If you want a low down payment loan, expect to use a government program such as FHA or VHDA for the purchase. The split loans, for example 80/10/10 loans are no longer being offered, and so there will be pricey mortgage insurance payments on any loan with less than a 20% down payment. Many buyers are now using the FHA loans which are available with a down payment of 3.5%. Be careful, some of the newer condo buildings are not FHA approved, and obtaining this FHA approval will be time consuming. FHA is reviewing their approval list to determine if previously approved condos still qualify after the recent mortgage turmoil. To see if the condo you are interested in is on the list click here!!
VHDA, Virginia Housing Development Authority, allows moderate income buyers to finance the 3.5% down payment with a second trust, which can achieve a $0 down payment. VHDA tax credit allows purchasers to use toward their down payment.
The foreclosures and short sale listings are dominating the market place. This has caused a lot of down ward pressure on sales prices. The outer suburbs have been hit the worst. Prices in Woodbridge are now at about 55% of their peak selling prices. However, the investors, and budget minded buyers have flooded to that market place. There can be as many as 30 contracts on a new foreclosure listing, as many of these listings are “auction” priced. Inventory of available home is substantially depleted (today, there is only 1 townhouse available in Lake Ridge, aged 15-25 years old!). This is causing prices to rise again in this area. To see Prince Williams Sales Statistics click here!!!
Foreclosures and short sale transactions are also predominate in some of moderately priced areas in closer-in suburbs of Alexandria and Springfield. Here also, demand for these listings is very strong, and there are always multiple offers for the listings in desirable areas such as West Springfield. Prices in these areas have dropped about 20% from peak prices. We are seeing regular sales of homes in nice condition on prime lots at regular prices. For example the golf course lot homes in West Springfield are selling in the mid- $600,000 price range.Check out the Alexandria City sales statistics!!
The North Arlington condo market has seen a little drop in activity in early Fall. While properties were grabbed up this summer, we are now seeing homes stay on the market for a few weeks. Properties in this area have tended to hold their prices. We are starting to see one or two short sales or foreclosures, but for the most part, properties in this area have avoided the general malaise.
In South Arlington there is a proliferation of moderately priced properties. There are many older single family homes and condos are being offered as Short Sales. In a Short Sale, the buyer has to wait, sometimes months, to find out whether the bank will release the seller from their obligation. We are also seeing some foreclosed properties in this market.Arlington County Sales Statistics for August 2009 are very promising!
In general, the real estate economists are predicting brighter times in the near future. I still believe that it will be 2011 before we start to see an overall rise in prices. At the current pricing structure, properties are generally affordable for the average buyer. Rents are falling a little as so many investors have purchased properties which they are then renting out.
THE ECONOMISTS ARE PREDICTING THAT A STRONGER REAL ESTATE MARKET IS JUST AROUND THE CORNER.
Fall 2009 is a good time to buy a property, with interest rates hovering around 5%. If you want to move up, you may well find a good discount on the higher priced properties. My business is based upon referrals, and I'm never too busy to help your family and friends. If you know someone who is looking to buy or sell in the coming months, please forward my name to them -- or send me their contact information and I'll contact them directly. Thank you.
Karrina Brown, MBA, Associate Broker Re/Max Allegiance
"REAL ESTATE IS FUN AGAIN"!!!
It’s back to school time, after an unusually cool summer. I hope that you all took time out to relax, rejuvenate and have fun with family and friends.
The real estate market was particularly active in the early summer months when buyers flooded into the market in June 2009. This lead to multiple bids on many properties, and many mid & lower priced properties sold VERY quickly. Activity slowed a little, as it usually does in the late summer, but Realtors are now back to work, and Buyers and Sellers are back in town, and looking to move.
The very low interest rates are stimulating activity. Do expect to bring a down payment to the closing table, and have reserve money left in the bank after your purchase. Sellers are often willing to help with closing costs.
There is a federal income tax credit of $8,000 available for first time buyers, or those who have not owned a home in the past 3 years, with less than $95,000 (married filers with income up to $159.000). The home must be purchase before December 1, 2009. This a tax credit for the current year, which has to be paid back over time, unless you live in the home for 3 years.
Loan programs are changing daily. New regulations are being enacted every few weeks.
If you want a low down payment loan, expect to use a government program such as FHA or VHDA for the purchase. The split loans, for example 80/10/10 loans are no longer being offered, and so there will be pricey mortgage insurance payments on any loan with less than a 20% down payment. Many buyers are now using the FHA loans which are available with a down payment of 3.5%. Be careful, some of the newer condo buildings are not FHA approved, and obtaining this FHA approval will be time consuming. FHA is reviewing their approval list to determine if previously approved condos still qualify after the recent mortgage turmoil. To see if the condo you are interested in is on the list click here!!
VHDA, Virginia Housing Development Authority, allows moderate income buyers to finance the 3.5% down payment with a second trust, which can achieve a $0 down payment. VHDA tax credit allows purchasers to use toward their down payment.
The foreclosures and short sale listings are dominating the market place. This has caused a lot of down ward pressure on sales prices. The outer suburbs have been hit the worst. Prices in Woodbridge are now at about 55% of their peak selling prices. However, the investors, and budget minded buyers have flooded to that market place. There can be as many as 30 contracts on a new foreclosure listing, as many of these listings are “auction” priced. Inventory of available home is substantially depleted (today, there is only 1 townhouse available in Lake Ridge, aged 15-25 years old!). This is causing prices to rise again in this area. To see Prince Williams Sales Statistics click here!!!
Foreclosures and short sale transactions are also predominate in some of moderately priced areas in closer-in suburbs of Alexandria and Springfield. Here also, demand for these listings is very strong, and there are always multiple offers for the listings in desirable areas such as West Springfield. Prices in these areas have dropped about 20% from peak prices. We are seeing regular sales of homes in nice condition on prime lots at regular prices. For example the golf course lot homes in West Springfield are selling in the mid- $600,000 price range.Check out the Alexandria City sales statistics!!
The North Arlington condo market has seen a little drop in activity in early Fall. While properties were grabbed up this summer, we are now seeing homes stay on the market for a few weeks. Properties in this area have tended to hold their prices. We are starting to see one or two short sales or foreclosures, but for the most part, properties in this area have avoided the general malaise.
In South Arlington there is a proliferation of moderately priced properties. There are many older single family homes and condos are being offered as Short Sales. In a Short Sale, the buyer has to wait, sometimes months, to find out whether the bank will release the seller from their obligation. We are also seeing some foreclosed properties in this market.Arlington County Sales Statistics for August 2009 are very promising!
In general, the real estate economists are predicting brighter times in the near future. I still believe that it will be 2011 before we start to see an overall rise in prices. At the current pricing structure, properties are generally affordable for the average buyer. Rents are falling a little as so many investors have purchased properties which they are then renting out.
THE ECONOMISTS ARE PREDICTING THAT A STRONGER REAL ESTATE MARKET IS JUST AROUND THE CORNER.
Fall 2009 is a good time to buy a property, with interest rates hovering around 5%. If you want to move up, you may well find a good discount on the higher priced properties. My business is based upon referrals, and I'm never too busy to help your family and friends. If you know someone who is looking to buy or sell in the coming months, please forward my name to them -- or send me their contact information and I'll contact them directly. Thank you.
Karrina Brown, MBA, Associate Broker Re/Max Allegiance
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