ANYONE, CASAGRANDE & ADWERS,
Representation in all areas of family and business immigration law.
IMMIGRATION LAW FIRM
Invitations Stationery Accessories
N. PETER ANTONE
www.antone.com or email at firstname.lastname@example.org
31555 W. 14 Mile Rd., Ste 100 • Farmington Hills, MI 48334
Ph: 248-406-4100 Fax: 248-406-4101
Originals & Limited Editions
(248) 557-01 09
DISABILITY MADE EASY
-Bathroom Safety Products
-Stairlifts & Platform Lifts
-Portable & Rental Ramps -Barrier Free Construction
for Special Events
& Party Planning too!
14 Mile Rd. • Ste 220 • Troy • MI • 48083
Licensed • Insured
A COMPANION CARE SER VICE
Bathing • Feeding • uundry • Housekeepi ng
Grooming/Hygiene . Medication Reminders
Bar/Bat Mitzvah's, Corporate Events & Special Occasions
Competitive Pricing, Unsurpassed Quality...
Everyone will notice the difference!
Sue Fishman (248) 788-5004 www.goballoonies.com
900 Wilshire Drive, Ste. 202 • Troy, MI 48084
Phone: (248) 417-9443 • Fax: (248) 593-9818
ARMS CARE. !LC
Cheryl Patton, President/CEO
DeVinney Czarnecki Physical Therapy, P.C.
Specializing in Manual Therapy and Exercise
Loren DeVinney, P.T., 0.M.P.T.
John Czarnecki, P.T., O.M.P.T.
6020 W. Maple Rd., Suite 500, W. Bloomfield, MI 48322
(248) 851-6999 • www.dcptonline.com
OUT OF STATE FOR SALE
"Raised in Detroit
Experienced in Arizona"
MO- vwk.COm/ 248.867.4884
What expenses do I need to take into consideration
when creating a home buying budget?
Submitted by Allison from Birmingham.
Wedding Consulting & Coordination
Corporate Events • Bar & Bat Mitzvahs
Special Occasions • Too .A.•T Party Rentals
e are pleased
to announce a
new and exciting
weekly feature for the readers
of the Jewish News.
Expert Realtor, Mitch
Wolf, will be answering your
real estate questions using his
over 30 years of experience
with first time buyers to
empty nesters and everyone
As the broker and owner
of Cranbrook Real Living
and as a market leader in
Southeast Oakland County,
Mitch is proud to say he has
been with this premier firm
since it's inception.
The real estate market is
continuously changing and
Wane/ c W4
it is of utmost importance
National Award Winning Recruiter
to have a real estate expert
to guide you through the
process. As designated Realtors, the agents of our company
are held to the highest of standards set by the Metropolitan
Consolidated Association of Realtors, the Michigan
Association of Realtors as well as the National Association
of Realtors. Our role as your advisor and negotiator is one
we take on with dedication and commitment.
Homes • Condos
Sales • Rentals
FRIENDLY • RELIABLE • INSURED
248.263.6300 • www.startrax.com
It can become overwhelming to think of all of the expenses
associated with buying and maintaining a home. And it can be
very easy to forget to add all of the expenses into your budget. It
is important to look at all the figures to make sure you will be able
to not only afford to buy the home, but also maintain it. The most
obvious number is the actual sale price, plus a title policy and any
fees the mortgage company may charge. You will also be respon-
sible for any portion of the property taxes from the time you close
the purchase through the date of the next tax billing cycle. Don't
forget to include the full year's taxes into your budget. If you are
purchasing a condo there will be monthly association dues, and
many homes have yearly association dues.
Your utilities may increase from your current budget if the home
you are buying is larger than your existing residence. And your
water bill may also increase, especially if your property is larger
and has more lawn to be watered. If this is your first home you
will need to keep in mind that the heating and cooling should have
yearly maintenance, and you also may need to add replacement
costs into the budget if they are nearing their useful life at the
time of closing. The same applies for the roof and windows.
I like to be home for showings to walk the buyer
through and point out all the special features of my
home. Buyers appreciate this, right?
Submitted by Jim from Bloomfield Hills
While you are the best person to tout all of the exceptional traits of
your home, buyers should have ample time to view a home with-
out the homeowner present. The buyer needs to be able to speak
freely to their family members and Realtor about decor they may
want to change, the asking/offering price and any other topics
that are of a personal nature such as finances or special needs of
family members that have to be met when buying a new home. If
you, the seller, are present at the showing, the buyer will be more
focused on what they say and trying to be personable to you, and
they will not be focused on really looking at the house and try-
ing to envision themselves living in the home. If you do feel the
absolute need to be present at the showing, greet the buyers at
the door, mention several of the most important features that may
not be obvious, such as new mechanicals or hardwood flooring
underneath carpeting, and then step away giving the buyer space
to view and talk. A better alternative would be to plan to meet the
buyers on a 2nd or 3rd viewing of the home.
If you have a real estate question
please contact Mitch at
email@example.com or 248-626-8700
August 8 • 2013