Thursday, August 22, 2013

Keeping Kids Safe In School


Advice for parents on making sure their kids stay safe at school and while traveling to and from school

For most of the year, children spend more time at school than anywhere else other than their own home. At school, children need a secure, positive, and comfortable environment to help them learn. 
Overall, schools are one of the safest places children can be. However, some schools have problems, such as bullying and theft, which make them less secure. These problems make students and educators feel less safe, and it makes it harder for students to learn and for teachers to do their jobs.
But there are specific ways that parents can make going to school a safer and more valuable learning experience for their children now that school is starting.

In the Classroom

Kids need a safe and comfortable environment to learn to the best of their capabilities. This means they have to feel safe in their school and be able to positively interact with their teachers and classmates. By doing the following, parents and other adults can help make sure children have a positive school experience.
  • Talk to your children about their day. Sometimes children won’t tell you right away if they are having problems at school. Ask your children if they see anyone bullied, if they are bullied, or if anything else makes them feel uncomfortable. Look for warning signs, such as a sudden drop in grades, loss of friends, or torn clothing.
  • Teach children to resolve problems without fighting. Explain that fighting could lead to them getting hurt, hurting someone else, or earning a reputation as a bully. Talk to them about other ways they can work out a problem, such as talking it out, walking away, sticking with friends, or telling a trusted adult.
  • Keep an eye on your children’s Internet use. Many elementary schools have computers with Internet access. Ask your children’s school if students are monitored when they use the Internet or if there is a blocking device installed to prevent children from finding explicit websites. Talk to your children about what they do online – what sites they visit, who they email, and who they chat with. Let them know they can talk to you if anything they see online makes them uncomfortable, whether it’s an explicit website or a classmate bullying them or someone else through email, chat, or websites.
  • Ask about the safety and emergency plans for your children’s school. How are local police involved? How are students and parents involved? What emergencies have been considered and planned for?

Traveling To and From School

  • Map out with your children a safe way for them to walk to school or to the bus stop. Avoid busy roads and intersections. Do a trial run with them to point out places they should avoid along the way, such as vacant lots, construction areas, and parks where there aren’t many people.
  • Teach children to follow traffic signals and rules when walking or biking. Stress that they should cross the street at crosswalks or intersections with crossing guards when they can.
  • Encourage children to walk to school or the bus stop with a sibling or friend, and to wait at bus stops with other children.
  • Teach children not to talk to strangers, go anywhere with them, or accept gifts from them without your permission. Tell them that if they see a suspicious stranger hanging around or in their school they should tell an adult.
  • Help children memorize their phone number and full address, including area code and zip code. Write down other important phone numbers such as your work and cell phone on a card for your children to carry with them.

On the bus

  • Have your children arrive at the bus stop at least five minutes before the bus is scheduled to pick them up.
  • Make sure children know to stand on the sidewalk or on the grass while waiting for the bus.
  • Teach children to make sure they can see the bus driver and the bus driver can see them before crossing in front of the bus. Tell them to never walk behind the bus.
  • Be aware that often bullying takes place on the school bus. Ask children about their bus - who they sit with, who they talk to, and what the other kids do. Let them know that if they see someone being bullied, or are bullied themselves, they can talk to you, the bus driver, or another trusted adult.
If you'd like to work towards making your children's schools safer on a larger scale, consider implementing Be Safe and Sound. This campaign provides a model for how parents, students, and school staff can work together to make schools safer and more secure.

Wednesday, August 21, 2013

Loans, Interest Rates And The Approval Process When Purchasing A Home

Learning to understand the process of buying a Houston home can be a little over whelming, especially to a first time buyer. The biggest and most expensive purchase most of us will ever make is the purchase of a home, so it really pays to spend some time learning about interest rates, loans and the approval process in general, as well as understanding your specific needs and your specific real estate market.

It is a great idea to get pre-approved for financing because this approval will be a real indicator of what you can afford. What is a pre-approval?

In lending, pre-approval has two meanings:
The first is that a lender, via public or proprietary information, feels that a potential borrower is completely credit worthy enough for a certain credit product, and approaches the potential customer with a guarantee that should they want that product, they would be guaranteed to get it. This rarely happens in the financial services industry, and when it does happen, it is usually loaded with fine print that is not immediately disclosed. Usually, what happens is pre-qualification, instead.
Although, to a typical consumer, "you're pre-approved" means "you already passed the approval process and therefore are guaranteed to be immediately granted the loan if you apply," the literal meaning is different. The literal meaning is "at a stage before approval." Thus, pre-approved creates no obligation whatsoever on the lender and no rights whatsoever to the potential borrower. "Pre-approved" is thus a popular advertising catch phrase to induce people to apply for a loan.
The second meaning relates to mortgage lending. People interested in buying a house can often approach a lender, who will check their credit history and verify their income, and then can provide assurances they would be able to get a loan up to a certain amount. This pre approval can then help a buyer find a home that is within their loan amount range. Buyers can ask for a letter of pre approval from the lender, and when shopping for a home can have possibly an advantage over others because they can show the seller that they are more likely to be able to buy the house. Often real estate agents prefer to work with a buyer who has a pre approval as it demonstrates that they are well-qualified to receive financing and are serious about buying a home. A pre approval is based on the documentation the borrower supplies at the time of application, and any actual eligibility to receive the pre approved loan depends on the terms and conditions of the pre approval and ability to secure the loan before the pre approval expires.

This is the very beginning of learning and working through the loan application/approval process so you need to be honest. Do not overstate income, or employment. Do not buy for someone else. And don't sign any blank documents. Be honest about your intent to occupy and be accurate about your level of debt. And finally, read and understand everything before you sign.

If you need additional help my team and I at Innovative Realty Group can assist you if you are ready to purchase a Houston home. Call us at 281-326-HOME and please visit our website at www.DavidTheLocator.com. We look forward to assisting you in this next step of your journey!

Thursday, July 25, 2013

Avoiding Rental Scams On Craigslist

It seems like lately I get more and more phone calls that sound something like this... "I just found a 2 bedroom/2bath in the Galleria area on Craigslist with all the amenities for only $499 a month." Or, "I just found a 3 bedroom, 2 bath house in West U with a pool for $699 a month and the landlord is not even requiring a security deposit." REALLY???  Where exactly is the property located? Where are the pictures? Who is this generous landlord?

I have been in the Houston Apartment Locating and Houston Real Estate business for almost 16 years now and I've seen it all. With the ability to search for anything on the Internet in seconds, many people innocently find themselves being victims of scammers and Craigslist is one of the platforms scammers use.

We became victims ourselves several years ago when we posted an ad to sell  3 Wii consoles. We got a buyer that wanted all 3 and decided to meet him at a gas station. (We always meet in an open, very well lit area where there are many people) Much to our surprise he arrived with a cashiers check rather than the cash we asked for. My wife did not feel good about this, we looked at the cashiers check carefully and reluctantly decided to take it. The amount was over $900. A few days later the bank informed us that the cashiers check was counterfeit. My wife was LIVID and was on a mission to find the scammer. She went back to the gas station and spoke to the manager. The manager pulled up the video of that exact day and time and the whole transaction was on video!!! She also checked all her phone records and found the man's phone number. We called him and he denied ever even speaking to us. We gave him a choice to come clean and pay the amount in cash or we would go to the police. Once again, he denied ever knowing us. The next day my wife went to the police station and spoke to a detective that took our case. With the man's phone number and the video tape he was able to find him in a couple of weeks. We went back to the police station where we were asked to pick him out from a line up, we both picked the same man. Apparently he had a police record as long as my arm! He was arrested, THEN he wanted to make things right but by then it was too late. The prosecutor asked us what we wanted. We said, "We want him to pay us the cash he owes us." He plead guilty, paid us the money and I have no idea whatever happened to him after that. But most stories don't end this way at all. Most of the time the victims never find the scammer and are left without their money and feeling very violated.

Our mission is to educate renters and owners on the many scams that are on the Internet today. 

As far as renting a Houston Apartment...It's unfortunate that there are so many people out there preying on the more novice renter or buyer but there are. Believe it or not, some apartment communities actually post a picture of a unit and advertise it as a "Great Special" at an incredibly great price, the renter-to-be calls them and is told the apartment has been rented. These are called "bait ads." Bait ads are exactly what the name implies...they are simply placed there to get you to respond either by phone or by filling out a form so they can get your information and try to rent you a different unit in their apartment community or in their "sister" property. The ad might be 10 years old or might have at one point been a special for only one unit. The bait ad may also be placed there by a third party, perhaps a locating company that isn't too legit. Never-the-less, it's shady and meant to get the attention of the renter-to-be and you would be surprised at how successful this shady business is. (This is why I get the types of phone calls I mentioned at the beginning)  Be aware of this. This goes for Apartment Guides as well. Remember this... if it's too good to be true ...then it probably is!!!

So what can you do to avoid being the victim of a fraudulent ad? Here are some basic tips to sidestep would-be scammers whenever using Craigslist:

  • Search and browse within your own city or state limits. This will give you and the Houston seller the opportunity to meet in person. Following this alone can help you avoid most scammers.
  • Counterfeit cashier checks, money orders & even CASH are common. Banks will cash them and when they discover they are counterfeit you do not get it returned and you are held responsible. Insist on cash.(And buy yourself a counterfeit marker at Walgreens so you can test the cash and make sure it's not counterfeit as only a very trained eye can spot it.) 
  • Never, ever wire funds via Moneygram, Western Union or any other service. Anyone who asks you to wire money is likely a scammer.
  • Never give out financial information such as bank account number, social security number, PayPal,etc.
  • Craigslist is not involved in any transaction and does not handle payments, guarantee transactions, provide escrow services or offer "buyer protection" or "seller certification." It's not like Ebay where you can contact Ebay to try to settle a dispute. 
  • Avoid deals involving shipping or escrow services and know that ONLY A SCAMMER WILL "GUARANTEE" YOUR TRANSACTION.
  • DO NOT SUBMIT TO CREDIT CHECKS OR BACKGROUND CHECKS FOR A JOB OR FOR HOUSING UNTIL YOU HAVE MET THE INTERVIEWER OR LANDLORD/AGENT IN PERSON.
  • Do not rent housing without seeing the interior, or purchase expensive items sight unseen(unless you are working with a Realtor) - in all likelihood that housing unit is not actually for rent and that cheap item does not exist.
  • Many fraudulent ads on Craigslist are simply copied & pasted from elsewhere (eBay). By copying part of the ad and searching through Google you can quickly check to see if the post is one of them.
  •  Educate yourself on the area you're trying to move to. Do research. If the average price for a 2 bedroom apartment in that area is $1200 then know that any deal for $599 is most likely a scam. 
  • Our company; Innovative Realty Group, has been relocating clients to Houston for over 15 years. We know the apartment communities and Houston areas thoroughly. We know which management companies are great at what they do and which are not. Before wasting a lot of time searching on the Internet, please give us a call. We will ask you a few questions and make a customized list of apartments that we trust, that fit your criteria. If you're wanting to sell or purchase a home, we will guide you through the process every step of the way and make sure you get the most value for your home!

Who should I notify about fraud or scam attempts?

U.S. Federal

Thursday, May 9, 2013

Buying a Houston Home? Please Read...


So you have decided to purchase a Houston home. 

I receive a call from a client, "I'm ready to purchase a home." My response..."That's great! Congratulations! What has the Lender pre-approved you for?" (((Silence))) "You haven't been in contact with the Lender yet?" 
A lot of questions and recommendations are going through your head. But you seem to be a little lost in the midst of it all. What do you do, or the question is what should you do first?
So let me give you some tips...

Make sure you get your financing in check. Talk to your spouse and crunch those numbers. You want be sure you and your family can afford a mortgage, without any financial burden. Once you have budgeted your checkbook, research a good & reliable mortgage company. The Lender will request certain paperwork, (i.e. pay stubs, W-2 statements, bank statements, etc.) from this information they will Pre-Approve you up to a certain amount. This Pre-Approval is guaranteed as if you were purchasing in cash. From this point on you can contact me, your Houston Realtor, with information as to what type of home and location you & your family are searching for.

The Houston housing market is HOT now and now is the time to buy. If you're ready to purchase a home, please call me. If you need recommendations for Lenders you can get a list off my website at www.davidthelocator.com
We look forward to being a part of the next stage of your life!

Monday, April 22, 2013

Easy Top 3 Spring Garden To–Dos

Spring has arrived, which means spending time with windows
open and working in the yard. Get your lawn and garden ready
with our tips...
Top 3 Spring Garden To–Dos
1. Plan for late frosts. Frost dates can extend into mid–May in
some areas. Search online to find out the average date so you
can plan accordingly.
Tip: Keep materials like fabric coverings ready to help protect
seedlings in the event of an unexpected frost.
2. Inventory supplies. Clean and repair garden tools. If you plan
on growing tomatoes and beans, purchase cages, stakes and
twine for the vines.
Tip: Repurpose egg cartons as seed starters. Fill each
compartment with seed starting mix and a couple seeds.
Once sprouted, plant the whole carton!
3. Get the soil ready. Till and fertilize to enrich the soil for
upcoming harvests. If you’ve begun seeding, begin tackling
the weeding process.
Happy spring gardening,