A Little Luxury Living in Your Tulsa, OK Home!

Would you love to have someone in your home to turn on the lights at a moments notice? How about someone to turn on the home theater system or even the security system? No need. With home automation, you can control all of these things and more with a remote, all from the comfort of your favorite chair.

What exactly is home automation? Home automation involves using a remote control or another device to control multiple parts of your house, which can include: lighting, security, telephone, temperature, sprinklers, windows, and more. Home automation systems can even allow you to change the temperature of your home from a cell phone while you are away!

Home automation systems are features that are becoming the "norm" in many Tulsa, OK area luxury homes. Some may have a partial automation system that controls the entertainment components or lighting, for example. For others, it may include an entire home automation system, which can include everything. Home automation systems come in many price ranges and include many different components. Contact Tulsa, OK area home automation professionals to find out what system is best for you!

To discuss Tulsa, OK area home automation systems contact Keegan Beck of KMB Enterprises at 918-527-1031 or www.KMBEnterprisesllc.com

For home maintenance professionals in the Tulsa, OK area, visit www.tulsahomecare.com.

For all your Tulsa, OK area luxury real estate needs, contact Tim Hayes of The Tulsa Luxury Property Group of McGraw Realtors at 918-739-0397 or www.tulsaluxurypropertygroup.com.

Protecting Your Valuables

Most of us have something in our Tulsa, OK area home that we consider valuable. For some that may be jewelry or furs for others firearms or antiques. Here are some ways that we can keep those items protected and decrease the chances that they are stolen.

• Put small items in a safety deposit box or fireproof safe. If using a safe, consider securing it to the floor.
• Make sure all your doors and windows are properly secure.
• Keep the exterior of your home well lit with motion sensor lighting.
• Pretend you are a burglar and try to find areas around your home that you could get in. When you have a list, make sure those areas are completely secure.
• Don’t hide items in obvious locations.
• Install a security system that is monitored at all times.
• Don’t open the door to strangers and check ID for delivery, emergency, repair persons.
• Always plan for the worst. Although we hope that we will never experience a break in at our home, always make sure that your Tulsa, OK. homeowner's insurance is more than adequate to cover loss due to a burglary.
  

To receive a quote for security system installation in the Tulsa, OK area, contact Tory Tipp of TNT Security at 918-313-4074 or torytipp@yahoo.com.

For homeowner's insurance coverage for your Tulsa, OK home, contact Mike Tedford of Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.

Questions on the 2010 Oklahoma State Ballot #5

As Tulsa residents, the upcoming election in November will be very important There are a record 11 questions on the Oklahoma State Ballot. As Tulsa voters, it is important to be aware of each question on the ballot so that we can make well informed decisions. After all, these decisions will affect Tulsa for years to come. So far we have given an overview of SQ 744, SQ 746, SQ 747 and SQ 748- 4 of 11 questions on the Oklahoma State Ballot for November 2010. Today, we will discuss the fifth and sixth of the eleven Oklahoma state questions- SQ 750 and SQ 751.

SQ 750: This measure amends a section of the State Constitution. This section deals with initiative petitions. It also deals with referendum petitions. It deals with how many signatures are required on such petitions. It changes that requirement.

"Initiative" is the right to propose laws and constitutional amendments. "Referendum" is the right to reject a law passed by the Legislature. The following voter signature requirements apply: 8% must sign to propose a law. 15% must sign to propose to change the State Constitution. 5% must sign to order a referendum. These percentages are based upon the State office receiving the most total votes at the last General Election. The measure changes this basis. The measure's basis uses every-other General Election. General Elections are held every two years. The Governor is on the ballot every four years. The measure's basis only uses General Elections with the Governor on the ballot. The President is on the ballot in intervening General Elections. The measure's basis does not use General Elections with the President on the ballot. More votes are usually cast at Presidential General Elections. Thus, the measure would generally have a lowering effect on the number of required signatures.

SQ 751: This measure amends the State Constitution. It adds anew Article to the Constitution. That Article deals with the State's official actions. It dictates the language to be used in taking official State action. It requires that official State actions be in English. Native American languages could also be used. When Federal law requires other languages could also be used.

These language requirements apply to the State's "official actions." The term "official actions" is not defined. The Legislature could pass laws determining the application of the language requirements. The Legislature would also pass laws implementing and enforcing the language requirements.

No lawsuit based on State law could be brought on the basis of a State agency's failure to use a language other than English. Nor could such a lawsuit be brought against political subdivisions of the State.

This information provided by "Do You Have the Answers?" by Sid Sperry published in Oklahoma Living Magazine.

For more information about SQ 750 or SQ 751 or any other question on November 2, 2010 ballot, visit the www.okpolicy.org website or visit www.ballotpedia.org.

For your Tulsa, OK area residential real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

What Exactly Is Oklahoma Title Insurance?

Title insurance protects your claim of ownership of your Tulsa, Oklahoma property. When you buy real estate in the Tulsa, OK area, you count on the paperwork being properly reviewed. You should get a "title opinion" from an attorney. That does not, however, provide you any insurance that the attorney did not make an error or that someone later does not come back and claim an error was made (regardless who is right or wrong.) It is simply the opinion of the attorney you hired.

If you purchase title insurance and someone later questioned your ownership of the property, the title insurance company would be required to come defend your title.

A few things to note:

• Title insurance only covers the period of time before your purchase of the property. It does not cover from the time you purchase and beyond. If you are concerned about problems that might arise after you purchase the property, talk to your title company and ask about appropriate insurance.
  
• Sometimes "exceptions" can be listed in your title policy. These would be things that were known when the policy was written such as, your driveway or storage building being on the neighbor's property.
• Title problems are often called "clouds" which mean your ownership is not completely clear - that someone could raise questions about it. Even if your ownership would not be lost, it can be expensive to remove the "cloud" on your title.
• Title issues can arise from forgeries, improper paperwork filing at the courthouse, incorrectly completed forms, deaths and bankruptcies, lawsuits between other parties, and many other unknown circumstances.

For more information about title insurance in Tulsa, OK, contact Ann Rollins, at Closings of Tulsa, 918-493-2241 or www.closingsoftulsa.com.

Have Tulsa, OK area title problems? and have legal problems as a result of your title or lack of title insurance, contact Chuck Richardson of Richardson, Richardson, Boudreaux at 918-663-5070 or www.richardsonlawfirmpc.com.

For all your real estate needs in the Tulsa, OK area, contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Protect Your Home Value During Tough Economic Times

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

• Mow your yard.
• Mow your neighbor's yard.
• Keep your house painted.
• Support your Tulsa 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 Tulsa, Oklahoma area contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

For estimates for residential repairs in the Tulsa, Oklahoma area, contact Jonathon Knapp of Residential Repair Inc at 918-621-1020 or www.residentialrepairinc.com.

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

New Price on Jenks, OK Luxury Home!

Luxury Home for Sale in Jenks, OK- NEW PRICE!

Luxury Home for Sale in Jenks, OK.
The Gates at Forest Park

$3,999,000

6 Bedrooms
7 Full 4 Half Bathrooms
5 Car Garage

Never Before Has a Home of this Grandeur, Quality, Technology been Available! Magnificent Master Suite & 4 other Luxury en-suite, Apartment w/Elevator. Cinema, Gym, Sauna, Tennis Court, Pool/Spa. Rare Opportunity to Own One of Tulsa's Foremost Properties.


For information on this Jenks, OK luxury home or for all your luxury real estate needs in the Tulsa, OK area, contact Kelly Howard of the Tulsa Luxury Property Group of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

Protect Your Family From Fire!

Fire can be a devastating event. It damages everything in its path and can cause serious injury and death. To help protect your family and Tulsa, OK area home from fire, read on.

• Be prepared ahead of time! Being prepared is probably the most important step of all. This step involves many things. First, make sure you have homeowner's insurance in the event of a fire. Second, have a fire escape plan with all the necessary items such as escape ladders, fire extinguisher, smoke detectors etc. Third, practice your fire escape plan. If you have children, this is especially important. Take time to discuss what to do in the event of a fire and practice this at all hours of the day and night. Don't take for granted that they know what to do.
• Avoid unnecessary risk! Cigarettes, fire places, and appliances are common causes of fires in the home. To avoid these risks, make sure that all cigarettes are put out before going to bed or if you are sleepy. Consider putting them in a glass of water to be safe. Make sure that fires in your fireplace are completely out. If you use it often, install a screen and glass door for extra safety. Finally, avoid putting appliances near furniture. Appliances and heaters placed near furniture can often overheat and cause a fire to start. When a fire starts from any one of the items above, they often start very slowly and smolder for a long time before actually catching fire and being detected.
• Test your smoke alarm! It is very important to test your smoke alarm often to ensure that it is working properly. Also replace the battery at least once per year, even if it appears to be working. If your smoke alarm seems to go off regularly when there is not a problem, such as during cooking, consider moving it a few feet away. If your smoke alarm is 10 years old, replace it.
• Keep Emergency Numbers on Hand! Keep Tulsa, OK Area emergency numbers near all phones in case of fire or emergency. A great place to check is the local phone book.
  
• No matter how much we prepare, we can't completely prevent fires in our home. should a fire occur, remember to call your homeowners insurance agent and home maintenance professionals to take care of any damage and ensure insurance coverage of repairs.

Contact these professionals for questions or quotes:

Homeowners Insurance Coverage in Tulsa, OK- Mike Tedford, Tedford Insurance, 918-299-2345 or www.tedfordinsurance.com.
Roofing Repairs in the Tulsa, OK area- Judy Smith, Abest Roofing, 918-587-1426 or www.abestroofing.com.
Fire Damage and Restoration in the Tulsa, OK area- Roger Fisher, PCC Cleaning and Restoration, 918-641-1111 or www.pcccr.com.

Oklahoma State Questions for November 2010- #4

As Tulsa residents, the upcoming election in November will be very important There are a record 11 questions on the Oklahoma State Ballot. As Tulsa voters, it is important to be aware of each question on the ballot so that we can make well informed decisions. After all, these decisions will affect Tulsa for years to come. So far we have given an overview of SQ 744, SQ 746 and SQ 747- 3 of 11 questions on the Oklahoma State Ballot for November 2010. Today, we will discuss the forth of the eleven Oklahoma state questions- SQ 748.

SQ 748: This measure amends Sections 11A and 11B of Article 5 of the Oklahoma Constitution. These provisions deal with how the Legislature is divided into districts.

This process is know as apportionment. The Legislature must make an apportionment after each ten-year federal census. If the Legislature fails to act, an Apportionment Commission must do so. The measure changes the name of this Commission. It removes all three existing Commission members. It removes the Attorney General. It removes the Superintendent of Public Instruction. It also removes the State Treasurer.

The measure increases the number of members from three to seven. The President Pro Tempore of the Senate appoints one Democrat and one Republican. The Speaker of the House of Representatives appoints one Democrat and one Republican. The Governor appoints one Democrat and one Republican.

The measure provides that the Lieutenant Governor chairs the Commission and is a non-voting member. It requires orders of apportionment to be signed by at least four members of the Commission.

This information provided by "Do You Have the Answers?" by Sid Sperry published in Oklahoma Living Magazine.

For more information about SQ 748 or any other question on November 2, 2010 ballot, visit the www.okpolicy.org website or visit www.ballotpedia.org.

For your Tulsa, OK area residential real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

South Tulsa Area Homes For Sale!

Gated and Secluded Luxury Estate in Bixby, OK

1724 East 151 Street
in Bixby, OK.

$2,675,000

5 Bedrooms
6.5 Bathrooms
4 Car Garage


___________________________________________________

New Construction in Bixby, OK!

14558 South Urbana Court
The Auberge in Bixby, OK.

$224,900

2 Bedrooms
2 Full 1 Half Bathrooms
2 Car Garage


____________________________________________



Charming Old World Home in Jenks, OK!

6338 East 111th Place
Woodfield Village in Tulsa, OK.

$325,000

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Garage

____________________________________________

Gorgeous Luxury Estate on Over 1/2 Acre in Bixby, OK.

11707 South Fulton Avenue
Forest Hills Estates in Bixby, OK.

$785,000

4 Bedrooms
3 Full 2 Half Bathrooms
3 Car Garage

For more information on residential real estate in the Tulsa, Oklahoma area or for more information on these South Tulsa, OK area homes, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

Foreclosed Tulsa Homes Trouble Spots

Buying a Foreclosed Home in Tulsa? Top Problem Areas to Look Out For

Today's real estate landscape in Tulsa offers some great buys for savvy real estate consumers, especially when it comes to Tulsa foreclosure properties. Unfortunately, even though there are already a large number of foreclosures on the market, analysts are predicting that yet another wave of distressed properties will crop up in the coming months.

As a Member of the Top 5 in Real Estate Network®, I, along with my team, have consulted with many clients seeking to capitalize on a foreclosure purchase. We always advise them, however, to weigh the pros and cons. While a foreclosure could represent your best chance to get a great deal, make sure you educate yourself about the potential pitfalls of purchasing a distressed property in advance - and what correcting those pitfalls might cost. In most cases, it's not so much about what damage occurred but rather the source of the damage and how long before the problem was addressed.

Here are the top 10 signs that may indicate trouble in a Tulsa foreclosed home:

1. Unheated house in winter months. If the home has been properly winterized, there's no need for heat. But if the home has not been properly winterized, pipes will burst and cause water damage.
2. Missing sinks, toilets and other fixtures. Make sure they've been properly removed and not ripped from walls and floors.
3. Peeling, bubbling and discolored paint; swelling in walls or ceilings (especially around kitchens and bathrooms), or a musty odor all indicate water damage and, potentially, the presence of moisture and mold.
4. Fungus growth inside cabinets, behind drawers and built-ins. Fungus could mean that there has been water damage. Since water falls down, look for the source above the mold.
5. Blocked drains or pipes will cause future problems and may have already created sewage backups.
6. Black cobwebs, greasy gray residue on walls and/or a strong oily odor. This could point to potential soot damage or a malfunctioning furnace.
7. An older home with extensive renovations. Check with the city for pulled permits in order to get remolding details. If asbestos is present and has been disturbed, be sure it's been remediated by a certified specialist.
8. Excessive painting of every nook, cranny, door and floor may mean that the seller is covering up mold.
9. Discolored subflooring. From the basement, check the subflooring above for stains and small holes, both caused by mold.
10. Air quality. The air quality within a home tells a lot about the home's condition. Be sure to include air and surface testing in your home inspection. It's a few hundred dollars well spent.

There are indeed many great opportunities in the Tulsa market, but proper education and preparation are essential to making the right investment. Please e-mail our team for further information and be sure to forward this article to others who might be considering a foreclosure purchase.

Interested in buying a Tulsa foreclosed property? Contact The Baskin Real Estate Specialists at 918-258-2600 or www.darrylbaskin.com.

Stop your Tulsa foreclosure! Visit www.stopmytulsaforeclosure.com.

For all your Tulsa, OK area Heating and A/C Repair and Installation, contact Stephen Taylor of Air Assurance at 918-258-HEAT or 918-258-COOL or www.airassurance.com.

South Tulsa Luxury Homes for Sale!

Some of South Tulsa's Finest Luxury Homes for Sale...

New Construction in Gated Luxury Neighborhood!

12204 South 68th East Avenue
Woodmere Addition in Bixby, Oklahoma
$935,000

5 Bedrooms
4 Full 1 Half Baths
4 Car Garage
_________________________________

European Designed Home in Gated Community!

6010 East 117th Street
River Oaks Addition in Bixby, Oklahoma
$2,500,000

5 Bedrooms
5 Full 2 Half Bathrooms
4 Car Garage

________________________________

Magnificent Gated Estate!

777 West 106th Street
The Estates at Stone Bluff in Jenks, Oklahoma
$2,999,000

5 Bedrooms
7 Full 1 Half Bathrooms
3 Car Garage


For more information on any of these Tulsa, Oklahoma area luxury homes or to buy or sell your home in the Tulsa, Oklahoma area, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com

Oklahoma State Questions #3

So far we have given an overview of SQ 744 and SQ 746- 2 of 11 questions on the Oklahoma State Ballot for November 2010. Today, we will discuss the third of the eleven Oklahoma state questions- SQ 747.

SQ 747: This measure amends Sections 4 and 23 of Article 6 and Section 15 of Article 9 of the State Constitution. It limits the ability of voters to re-elect statewide elected officers by limiting how many years those officers can serve.

It limits the number of years a person may serve in each statewide elected office. Service as Governor is limited to eight years. Service as Attorney General is limited to eight years. Service as Treasurer is limited to eight years. Service as Commissioner of Labor is limited to eight years. Service as Auditor and Inspector is limited to eight years. Service as Superintendent of Public Instruction is limited to eight years. Service as a Corporation Commissioner is limited to twelve years.

Service for less than a full term would not count against the limit on service. Years of service need not be consecutive for the limits to apply.

Officers serving when this measure is paused can complete their terms. All such serving officers, except the Governor, can also serve an additional eight or 12 years.

This information provided by "Do You Have the Answers?" by Sid Sperry published in Oklahoma Living Magazine.

For more information about SQ 747 or any other question on November 2, 2010 ballot, visit the www.okpolicy.org website or visit www.ballotpedia.org.

For your Tulsa, OK area residential real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.


Click the links below to read about one of the other State Question Blog Posts:
SQ 744
SQ 746

Tulsa OK Area Luxury Homes for Sale

Exceptional Luxury Estate!

10001 N. Glen Ellen Drive
Clear Brook Subdivision in
Owasso, Oklahoma

$2,100,000

5 Bedrooms
6 Full 2 Half Baths
4 Car Garage

Exceptional Luxury Estate Features All the Finest Details. Hardwoods, Beams, Travertine Marble, Gorgeous Moldings, Granite, & Chateau Cabinetry Thru-out. Culinary Kitchen, Office, Wine, Hobby & Media Room. Master Suite w/Spa Bath, Laundry & Exercise Rm.

Grandeur!

10726 S. Lakewood Ave.
The Gates at Forest Park Addition in
Tulsa, Oklahoma

$4,200,000

6 Bedrooms
7 Full 4 Half Baths
5 Car Garage

Never Before Has a Home of this Grandeur, Quality, and Technology been Available! 6 Bedrooms, Magnificent Master Suite & 4 other Luxury en-suite, Apartment w/Elevator. Cinema, Gym, Sauna, Tennis Court, Pool/Spa. Rare Opportunity to Own One of Tulsa's Foremost Properties.

For more information on these luxury properties in the Tulsa, Oklahoma area or to buy or sell a Tulsa, OK area luxury home, contact Kelly Howard, McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

Oklahoma State Questions on the Upcoming November Ballot- #2

Last week we gave an overview of SQ 744- 1 of 11 questions on the Oklahoma State Ballot for November 2010. Today, we will discuss the second of the eleven Oklahoma state questions- SQ 746.

SQ 746: This measure amends statutes relating to voting requirements. It requires that each person appearing to vote present a document proving their identity.

The document must meet the following requirements: It must have the name and photograph of the voter. It must have been issued by the federal state or tribal government. It must have an expiration date that is after the date of the election. No expiration date would be required on certain identity cards issued to persons 65 years of age and older.

In lieu of such document, voters could present voter identification cards issued by the County Election Board.

A person who cannot or does not present the required identification may sign a sworn statement and cast a provisional ballot. Swearing to a false statement would be felony.

Those proof-of-identity requirements also apply to in-person absentee voting. If adopted by the people, the measure would become effective July 1, 2011.

This information taken from "Do You Have the Answers?" by Sid Sperry published in Oklahoma Living Magazine.

For more information about SQ 746 or any other question on November 2, 2010 ballot, visit the www.okpolicy.org website.

For your Tulsa, OK residential real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

SQ 744 To read about SQ 744 click on the link to the left.

Ten great reasons to live in Tulsa, OK

Tulsa, OK is corporate headquarters to QuikTrip Convenience Stores which has recently opened several Gen5 concept stores in the Tulsa metro area. The new concept features ten selections of freshly brewed tea and various uncarbonated fountain drinks (shown here) in addition to the usual soft drink line-up and an attended food counter.  QT is recognized as one of America's top employers.  It is truly a feature Tulsans miss when they travel to less fortunate  locations not selected as a QT market.

Homes for sale in Tulsa, OK and surrounding communities www.darrylbaskin.com
Relocate your business to Tulsa, Oklahoma. Find commercial properties for sale at www.baskincommercial.com

Posted via email from The Baskin Report

Mayor Dewey Bartlett Tate of the City Addresss for Tulsa, OK

Mayor Bartlett addressed business leaders at the annual State of the City address in Tulsa, OK. Bartlett expressed optimism for Tulsa as the city has endured significant changes and prepared itself for substantial future growth thanks to solid long-term decisions.

The recent comprehensive study on government operations and efficiency by KPMG has identified additional areas for efficiency.  Tulsa, OK  is one of only a handful of cities across the nation to take this monumental step. Bartlett was also positive about cleanup efforts for Tulsa's blighted neighborhoods.   His presentation continued by reinforcing Tulsa's worldwide role in engergy development and alternative sources beyond the historic oil production.

Elected officials and business leadersifrom Tulsa County ncludiingMike and Mark Tedford of Tedford Insurance,  Darryl Baskin of McGraw Realtors, and Tom Kudirka of Tornado Studios were in attendance.

Posted via email from The Baskin Report

Condo's For Sale in the Tulsa OK Area

Tulsa, Oklahoma Condominiums for Sale

Enjoy the View from these Charming Spacious Condo's just Steps Away from the River Parks. Downtown and major interstates are only minutes away.

3731 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$172,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage

______________________

3727 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$169,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage
________________________

3729 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$169,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage


To sell your Tulsa, OK area Condo or to find condominiums for sale in Tulsa, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com

First-time Tulsa Home Buyers: What You Need to Know Before Starting Your Home Search

With historically low interest rates persevering and prices starting to creep back up, more and more renters are grappling with the question of whether to buy now or keep renting.

Based on the countless clients we have helped buy their first home, we can confidently tell you, yes! Now is a very opportune time to purchase your first home.

According to our colleagues in the Top 5 in Real Estate Network®, a national network of leading real estate agents, first-time home buyers across the country have taken advantage of today’s market conditions to go from renter to homeowner. That said, the ability to move into homeownership is very dependent upon the overall health of your finances. Buying a home not only takes having the necessary cash on hand for the deposit and closing costs, but also the financial wherewithal to convince a bank to lend you 80% or more of the purchase price in the form of a long-term mortgage.

Here are some other important points to be aware of before embarking on a home purchase:

1. Having good credit is all important , so put out the bucks to Fair Isaacs’ myFICO.com to get your current scores (about $16 each for reports from Equifax and TransUnion, another $15 at Experian.com). Don’t be surprised if the scores differ somewhat, and check them carefully for errors. Remember that errors must be reported to and corrected by the agencies themselves, which could take weeks or months.

2. Know what you can afford. Aim for a home that costs about two-and-a-half times your gross income – less if you have significant financial debt. In all, your monthly home payments should not exceed 36% of your gross monthly income. Getting pre-approved by a lender should be your signal to start home shopping.

3. Check your cash situation. Whether you are aiming to amass 20% of the home’s price for a conventional loan, or 3% or more for a loan from Fannie Mae, Freddie Mac, FHA or the Department of Veteran’s Affairs, you will also need to cover fees and closing costs, which can run up to 5% of the mortgage amount. First-time buyers may augment their cash by borrowing from an IRA or getting a cash gift from parents, but check with a financial advisor for amounts and tax consequences.

4. And speaking of tax consequences , remember that homeowners, unlike renters, must pay property taxes each year – and pay for any needed repairs or upgrades. Be sure to leave yourself a little financial wiggle room in order to meet these expected – and sometimes unexpected – expenses.

To get pre-aproved for a Tulsa mortgage today! Call Steve Currington with Currington Mortgage at 918-810-0092 or www.curringtonmortgage.com.

To buy a Tulsa, OK area home, contact The Baskin Real Estate Specialists at 918-258-2600 or www.darrylbaskin.com.

Court Orders Home Returned to Soldier

A Dallas-area soldier and his wife, who owned their home mortgage-free, but lost it for failing to pay their homeowner association dues, have regained it in a court-ordered settlement.

Army National Guard Capt. Michael Clauer, who was serving in Iraq, and his wife failed to pay $977.55 in fees. The association sent multiple notices by certified mail, demanding payment. Under Texas law, a homeowner association can foreclose on a property and sell it at auction to gain what is owed, which is what the Clauers’ association did.

The $315,000 home was initially sold at auction for $3,201 then resold for $135,000. May Clauer was living in the property at the time. She testified that she suffered depression in her husband’s absence and didn’t know she owed money or that the property had been auctioned until she received a letter demanding rent.

Details of the settlement were sealed, but Shad Bogany, secretary-treasurer-elect of the Texas Association of REALTORS®, said homeowner associations should be regulated. "When there's a disagreement, who else can they call? What's the next step?" Bogany asked, and then answered rhetorically: "There is no next step. If the homeowners association isn't responding, there ought to be a neutral mediator for people to go to with complaints."

Source: Dallas Morning News, Valerie Wigglesworth and Erinn Connor (07/29/2010)


Don't let this happen to you! Contact Chuck Richardson of Richardson, Richardson, Boudreaux at 918-633-1570 or www.rrblawok.com to find out if there are solutions to your Tulsa, OK foreclosure.

Stop your Tulsa, OK Foreclosure Now! Call Darryl Baskin of The Baskin Real Estate Specialists at McGraw Realtors at 918-258-2600 or www.stopmytulsaforeclosure.com.

Find out if refinancing your Tulsa, OK home or other mortgage options are available to you, contact Karen Heston of BOK Mortgage at 918-488-7353 or visit her website.

South Tulsa Area Home for Sale

Gorgeous Luxury Home For Sale in Bixby, OK.

6010 East 117th Street
River Oaks Addition in Bixby, OK.

$2,500,000

5 Bedrooms
5 Full 1 Half Bathrooms
4 Car Garage

European Masterfully Designed and Engineered Home in South Tulsa area Gated Community! Unparalleled interior. Two Story Office, Wine Rm, Gourmet Kitchen Open to Family Room with Incredible views. 2 Outdoor Kitchens, Infinity Spa and Pool, Theater and Game, Huge Unfinished walk-out Basement.

For more information on this Bixby, OK luxury home or to buy or sell Tulsa, OK area real estate, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

Oklahoma State Questions on the Upcoming November Ballot

On November 2, 2010 there will be an election in which 11 Oklahoma state questions will be decided. When there are so many questions on a ballot, it can be difficult to remember the details of each question and how we feel about them. Today, we will discuss the first of the eleven Oklahoma state questions- SQ 744.

SQ 744: The measure repeals a Section of the State Constitution. The repealed section required the Legislature annually to spend $42.00 for each common school student.

Common schools offer pre-kindergarten through twelfth grade.

The measure also adds a new Article to the Constitution. It sets a minimum average amount the State must annually spend on common schools. It requires the State to spend annually, no less than the average amount spent on each student by the surrounding states. Those surrounding states are Missouri, Texas, Kansas, Arkansas, Colorado and New Mexico. When the average amount spent by surrounding states declines, Oklahoma must spend the amount it spent the year before.

The measure deals with money spent on day-to-day operations of the schools and school districts. This includes spending on instruction, support services and non-instruction services. The measure does not deal with money spent to pay debt, on buildings or on other capital needs.

The measure requires that increased spending begin in the first fiscal year after its passage. It requires that the surrounding state average be met in the third fiscal year after passage. The measure does not raise taxes, nor does it provide new funding for the new spending requirements.

This information taken from "Do You Have the Answers?" by Sid Sperry published in Oklahoma Living Magazine.

For more information about SQ 744 or any other question on November 2, 2010 ballot, visit the www.okpolicy.org website.

For your Tulsa, OK residential real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

What to Anticipate When Pricing Your Home

Hello, Valued Member! Top 5 in Real Estate Network® Members are dedicated to providing you with the most up-to-date, helpful real estate information. This monthly newsletter, "Real Estate Matters," offers articles on a range of topics that will inform you in your real estate pursuits. Having trouble seeing this email? Click to view it as a web page. Add newsletter@rismedia.com to your address book to ensure email delivery. Buying Selling Owning Financing Home Improvement My Website My Listings Darryl Baskin Broker Associate McGraw Realtors My Website Member, Top 5 in Real Estate Phone: 918-258-2600 Cell: 918-740-0077 Fax: 918-398-5110 Email Me What to Anticipate When Pricing Your Home This month’s newsletter provides a detailed look at what sellers should anticipate when pricing their home. A detailed checklist offers advice for creating a fair, competitive and marketable sale price. Also this month, a look at the new lending landscape; selecting a real estate agent; improving your home's exterior and more. Top 5 Members are uniquely qualified to not only help you get educated on these matters, but make them as effortless as possible. Only Top 5 Members can provide you with the kind of exclusive information found here in Real Estate Matters - a monthly look at what's really happening in the housing market. It's a privilege to provide you with this important information. Enjoy this monthly e-newsletter, and as always, your feedback is welcomed - call or email any time! This Month's Top Story What to Anticipate When Pricing Your Home RISMEDIA, September 8, 2010—Most sellers have an emotional connection to their home and feel it deserves top dollar when sold. Everyone naturally wants to get the most money for his or her product, but "sellers must not be hasty with this all-important decision," cautions real estate expert Robert Jenson, a CEO of a luxury Las Vegas real estate purveyor. More Top Stories Navigating the Lending Landscape RISMEDIA, September 8, 2010—The lending landscape has changed quite drastically over the past several years. Practices, approvals and standards that were once widely accepted have either vanished or transformed beyond the point of recognition. Third Time's a Charm - Experts Recommend Talking to at Least 3 Agents before Choosing One to Represent You RISMEDIA, September 8, 2010—In today’s real estate market, using the first real estate agent you speak to is a recipe for disaster for home buyers, according to the home-buying specialists at the National Association of Exclusive Buyer Agents, (NAEBA.org). For years, real estate sellers have been told to interview a number of agents before they pick one to list their home because of the difference in the service levels provided. However, most home buyers end up using the first real estate agent they meet. How to Add Resale Value to Your Home's Exterior RISMEDIA, September 8, 2010—Change the siding? Add new shrubbery? Replace the cracked sidewalk? When it comes time to enhance the curb appeal of your home, there are a multitude of improvement projects you can consider—but which ones will add the highest resale value to your home? 4 Important Tips to Keep in Mind when Seeking Senior Housing RISMEDIA, September 8, 2010—People are living longer today. The century-long expansion in the world’s population that is 65 and older is the product of dramatic advances in medical science and health lifestyles. Currently, 13% of the U.S. population is 65 and older, up from 4% in 1900. As Baby Boomers turn 65 in high and higher annual numbers, it is estimated that one in five Americans will be over age 65 and about 5% over 85. Have You Heard About The Top 5 Real Estate Social Networking SystemSM? Sign up to receive my free, weekly e-Articles - brief, compelling, home-related informational articles that you or your family and friends will find helpful in pursuing your real estate goals! Here are some article samples recently sent out to my Real Estate Social Network: Top 5: Looking for a Summer Remodeling Project? These Tips Might Help Top 5 Tips for Buying a Luxury Home Remodeling? New Lead Regulations You Need to Know About Top 5 Mortgage Options for Home Buyers Buying a Foreclosed Home? Top Problem Areas to Look Out For Email me for more information. * This monthly newsletter is brought to you by your Top 5 in Real Estate Network® Member Agent and is intended as educational information only. RISMedia's Top 5 Real Estate Network® is a network created by, for, and of "leading real estate professionals" who are dedicated to providing "leading real estate information to consumers." The RISMedia Top 5 in Real Estate Network is backed by the commitment and resources of RISMedia. Top 5 was created to fill a profound void in how high-impact consumer relevant information was presented by leading real estate industry members to increasingly sophisticated, discerning, and demanding consumers, in order to both sustain and elevate the ongoing viability and appeal of the industry's leading professionals. For more information, visit www.top5inrealestate.com RISMedia, publisher of Real Estate magazine, is dedicated to providing real estate professionals with the most up-to-date news, information and business development resources in the industry. To submit questions, comments, suggestion, press releases or story ideas, please e-mail realestatemagazinefeedback@rismedia.com. RISMedia, Inc./Top 5 in Real Estate Network® 69 East Avenue, Norwalk, Connecticut 06851 P (203) 855-1234 F(203) 852-7208 www.top5inrealestate.com © 2010. RISMedia, Inc. All Rights Reserved. This email is intended for: post@posterous.com. If you wish to edit your subscription or unsubscribe from Real Estate Matters, please click here.

Posted via email from The Baskin Report

New Luxury Homes for Sale in the Tulsa, OK Area

Elegant Luxury Home For Sale in Bixby, OK.

$999,000

13420 South Lewis Avenue in Bixby, OK
The Estates of Hampton Hills Addition

5 Bedrooms
5 Full, 1 Half Bathrooms
3 Car Garage

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Secluded Owasso, OK Luxury Home For Sale

15601 East 82nd Street North
in Owasso, OK.

$1,900,000

4 Bedrooms
4 Full, 2 Half Bathrooms
4 Car Garage

To buy or sell a home in the Bixby, OK or Owasso, OK area, or to buy or sell in Tulsa, OK. contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com

Tulsa, OK Condos For Sale

Tulsa, Oklahoma Condominiums for Sale

Enjoy the View from these Charming Spacious Condo's just Steps Away from the River Parks. Downtown and major interstates are only minutes away.

3731 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$172,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage

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3727 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$169,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage
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3729 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$169,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage


To sell your Tulsa, OK area Condo or to find condominiums for sale in Tulsa, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com

Easy Ways to Fit in Exercise!

It seems like these days just about everyone knows that exercise is one of the most important factors in good health and longevity. For many of us though, getting to the gym or devoting time just for exercise can be difficult. There's work everyday, taking the kids to school, running errands, paying bills, cooking, yard work, and even cleaning the house. After taking care of all of those things, where can you fit exercise? Well, read on for some ideas to fit in exercise, because it's simpler than you think. (Calories burned are an estimate based on 60 minutes of activity for a 150 pound person)

1. Packing Suitcase for Vacation- 144 calories
2. Ironing Clothes- 153
3. Washing Dishes- 153
4. Pushing a Stroller with a Child- 180
5. Cooking Dinner- 180
6. Loading and Unloading the Car- 216
7. Carpentry Work- 252
8. Walking or Running Play with Your Kids- 270
9. Raking the Lawn- 270
10. Push Mowing your Yard- 297
11. Washing the Car- 306
12. Painting the House- 342
13. Cleaning the Gutters- 360
14. Gardening- 369
15. Construction or Remodeling Work- 396
16. Rearranging Furniture- 450

So next time you think you have too much to do to exercise, think again! Pick an activity and get going. For more information on calories burned during different activities, check the website: http://www.healthstatus.com/calculate/cbc.

For all your Tulsa, OK real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

Luxury Homes for Sale in Jenks, OK and Owasso, OK.

Luxury Home for Sale in Jenks, OK.
The Gates at Forest Park

$4,200,000

6 Bedrooms
7 Full 4 Half Bathrooms
5 Car Garage

Never Before Has a Home of this Grandeur, Quality, Technology been Available! Magnificent Master Suite & 4 other Luxury en-suite, Apartment w/Elevator. Cinema, Gym, Sauna, Tennis Court, Pool/Spa. Rare Opportunity to Own One of Tulsa's Foremost Properties.

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Luxury Home for Sale in Owasso, OK.
Clearbrook Addition

$2,100,000

5 Bedrooms
6 Full 2 Half Bathrooms
4 Car Garage

Exceptional Luxury Estate Features All the Finest Details. Hardwoods, Beams, Travertine Marble, Gorgeous Moldings, Granite, & Chateau Cabinetry Throughout. Culinary Kitchen, Office, Wine, Hobby & Media Room. Master Suite w/Spa Bath, Laundry & Exercise Rm.

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Jenks, OK Luxury Home for Sale
Aberdeen Falls Addition

$1,695,000

5 Bedrooms
5 Full 1 Half Bathrooms
4 Car Garage

Extraordinary Mediterranean Style Residence, Classic & Stately. Be Prepared to Enter a World of Opulence Exceeding Every Buyers Expectations in Architectural Design, Craftsmanship & Attention to Detail!

For information on any of these luxury homes or for all your luxury real estate needs in the Tulsa, OK area, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

The US Housing Market Slowly Improves

Pending home sales have risen slightly after a drop following the end of the Buyers Tax Credit. According to Realtor Mag online, "The Pending Home Sales Index, a forward-looking indicator, rose 5.2 percent to 79.4 based on contracts signed in July from a downwardly revised 75.5 in June, but remains 19.1 percent below July 2009 when it was 98.1. The data reflects contracts and not closings, which normally occur with a lag time of one or two months."

Although this is good news, it doesn't mean that the recovery will happen overnight. The housing market will take time to recover. For buyers in the Tulsa, OK area, this means the ability to get a better deal on a home. These great deals combined with today's low interest rates could mean the deal of a lifetime for many buyers. Tulsa sellers need not be discouraged, however. Working with an experienced Realtor and being realistic and patient will make the process go much smoother and faster.

To buy or sell a Tulsa, OK area home, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.