Real Estate Information

Good Morning

If you are in the market for a home loan please go to http://mortgage.allentate.com/services and read all about Allen Tate Mortgage and the numerous mortgage packages with excellent rates they offer to their buyer clients. After reading this information please call Cindy Wall with Allen Tate Mortgage with any questions and to start your home loan process. Cindy Wall is a very knowledgeable and experienced mortgage lender and will be with you during every step of the loan process and after. Cindy will get the job done for you. Please don't miss the opportunity to participate in home ownership with the most competitive interest rates available. Call Cindy Today!

Cindy Wall NMLS #37941

Working in the mortgage industry for many years has given me the insight and expertise necessary to make your home purchase stress free.  Ever evolving technology also allows me to expedite each transaction, whether you are purchasing your first home or are a seasoned buyer.

I am a Raleigh native and through my personal and professional lives can give you lots of information and direction to the best decisions unique to each individual.  It will be my pleasure to educate you on various financing options so that you will be comfortable in your role as buyer from start to finish.  I consider all of my clients to be life long relationships, closing on your home is just the start of a long time investment for me in your mortgage needs.

Areas Covered:

Glenwood, Cary and Chapel Hill/Durham

Office:

919-582-0160

Mobile:

919-345-1298

Fax:

800-936-1970

Email:

cindy.wall@allentate.com

View some of Phyllis Wolborsky and The Wolborsky Groups Listings and let us know if we might schedule a showing.

http://www.phyllisdiditagain.com/Properties

 If you are in the market to buy or sale real estate please visit my website at www.PhyllisDidItAgain.com or www.AllenTate.com/PhyllisWolborsky to view all of my featured listing and the listings offered by our MLS service. Call Phyllis Wolborsky at 919-876-2372, Visit Brian Wolborsky at www.Raleighhomeguide.com, or call 919-427-9508, call Mitchell Wolborsky at 919-270-1049, Kevin Wolborsky at 919-608-2000.

Have a great day and it would be our pleasure to assist you with all of your real estate needs.

http://www.youtube.com/watch?feature=player_detailpage&v=7iW9Zpa9u4U

 

 

 

 

 

10-Digit Dialing Is Mandatory for Local Calls

You must now dial 10 digits to place a local call. Due to population growth in the north central region of North Carolina that includes the Triangle, and additional area code-984-has joined the 919 area code. The new 984 area code will be assigned only to new telephone numbers within the area code. You will not have to change your telephone number. But the way you dial in the 919 area code has changed.  The appropriate area code(919 or 984) plus the seven-digit telephone number is necessary for local and expanded local calls to be completed. It is not necessary to dial a "1" or "0" when dialing your local and expanded local calls. Local calling areas and rates will not be affected by this change. The additional 984 area code will serve customers in the same geographic region as the 919 area code that covers Raleigh, Durham, Chapel Hill and Cary.  Beginning April 30th, new telephone lines or services may be assigned numbers with the 984 area code. Happy Dialing!

View some of Phyllis Wolborsky and The Wolborsky Groups Listings and let us know if we might schedule a showing.

http://www.phyllisdiditagain.com/Properties

 If you are in the market to buy or sale real estate please visit my website at www.PhyllisDidItAgain.com or www.AllenTate.com/PhyllisWolborsky to view all of my featured listing and the listings offered by our MLS service. Call Phyllis Wolborsky at 919-876-2372, Visit Brian Wolborsky at www.Raleighhomeguide.com, or call 919-427-9508, call Mitchell Wolborsky at 919-270-1049, Kevin Wolborsky at 919-608-2000.

Have a great day and it would be our pleasure to assist you with all of your real estate needs.

INSPIRATION FOR TODAY!

"Whoever gossips to you will gossip of you."

- Spanish Proverb

JUDGE NOT . . .

You know the type - there's a gossip in everyone's life.  It may be a friend, an acquaintance, or a total stranger.  Regardless, it is the person who shares with you any amount of information about another, either about what they have accomplished, or more often, what they have not.

Why does a gossip perform his or her service so readily?  Self-aggrandizement is often the culprit.  Knowing such valuable information about another as to be able to share it, reasons the gossip, reflects favorably on the provider of such knowledge.  In fact, however, gossiping is nothing more than the act of judging others.

When a friend passes judgment on another, might it be that, in your absence, they also pass judgment on you?  In most cases that is true.  Thus, one measure of another's character might be the presence or absence of such a tendency.

Steven Covey (of "Seven Habits..." fame) offers a solution when he says, "If you do not judge others, they will not judge you."  In other words, if you are of such character as to never discuss the merits or actions of others, unless they are favorable, it is highly likely that others will reciprocate in kind.  If someone makes a negative comment about another, Covey suggests that your reply might be, "That's interesting.  He has always spoken very highly of YOU."

Many wise men, in many languages, over many centuries, have repeated and paraphrased the maxim "Judge not, that ye be not judged."  It's easy to neutralize the gossip's sting by practicing such clear advice!

View some of Phyllis Wolborsky and The Wolborsky Groups Listings and let us know if we might schedule a showing.

http://www.phyllisdiditagain.com/Properties

 If you are in the market to buy or sale real estate please visit my website at www.PhyllisDidItAgain.com or www.AllenTate.com/PhyllisWolborsky to view all of my featured listing and the listings offered by our MLS service. Call Phyllis Wolborsky at 919-876-2372, Visit Brian Wolborsky at www.Raleighhomeguide.com, or call 919-427-9508, call Mitchell Wolborsky at 919-270-1049, Kevin Wolborsky at 919-608-2000.

Have a great day and it would be our pleasure to assist you with all of your real estate needs.

2012 Walk MS: Triangle (Raleigh, NC)

Team Brad Wolborsky

Dear Friends,

I am asking for your support in our challenge to find a cure for multiple sclerosis on behalf of my son, Brad Wolborsky. Brad was diagnosed with multiple sclerosis in 2002.  He lives in Raleigh with his wife and 3 daughters. We will be participating in the Annual Triangle MS Walk on Saturday, March 31, 2012 located at the PNC Arena(formerly known as the RBC Center in Raleigh).  Brad and our entire family feel positive and will accept the challenges this disease can cause.

We are passionate about helping to find a cure for MS. We realize we cannot fight this battle alone so we are asking for you to please make a pledge on behalf of Team Brad Wolborsky, to support national research efforts in finding the cause and cure for Multiple Sclerosis.  The National Multiple Sclerosis Society really does help those in need and continues to make great progress toward the cure.

There are three very easy ways in which you can help us:

*Walk with Team Brad Wolborsky!  Come Join US!

• You can send a check payable to the National Multiple Sclerosis Society and
• Indicate your donation is on behalf of Team Brad Wolborsky.

Mailing Address: National Multiple Sclerosis Society, Greater Carolina Chapter

3101 Industrial Drive, Suite 210, Raleigh, NC 27609.

You can sponsor Team Brad Wolborsky using your credit card on-line: Go to the secure MS website: WalkingForMS.org to register and donate. Enter the event participant’s name: Jennifer Wolborsky and follow the website directions. You will receive an e-mail confirmation of the gift.

Thank you so much for your support of me and Team Brad Wolborsky and for your interest in finding a cure for multiple sclerosis!

Phyllis Wolborsky

(919) 876-2372 or (919) 876-1381

Email: phyllis.wolborsky@allentate.com

9212 Falls of Neuse Road, Suite 111

Raleigh, NC 17615

Hi

Thought I would share some of Phyllis Wolborsky & The Wolborsky Groups videos. Enjoy and let us know if we can assist you with your real estate needs. We are also very excited about our mobile app. Check it out! http://www.phyllisdiditagain.com/m.

Raleigh Real Estate-Phyllis Wolborsky & The Wolborsky Group

List Your Home with Phyllis Wolborsky & The Wolborsky Group  

View some of Phyllis Wolborsky and The Wolborsky Groups Listings and let us know if we might schedule a showing.

http://www.phyllisdiditagain.com/Properties

 If you are in the market to buy or sale real estate please visit my website at www.PhyllisDidItAgain.com or www.AllenTate.com/PhyllisWolborsky to view all of my featured listing and the listings offered by our MLS service. Call Phyllis Wolborsky at 919-876-2372, Visit Brian Wolborsky at www.Raleighhomeguide.com, or call 919-427-9508, call Mitchell Wolborsky at 919-270-1049, Kevin Wolborsky at 919-608-2000.

Have a great day and it would be our pleasure to assist you with all of your real estate needs.

INSPIRATION FOR TODAY:

"A candle loses nothing by lighting another candle."

- Father James Keller (1900-1977)

GOT A LIGHT?

We all love a compliment.  Your manager says to you, "I noticed that your last sale was handled very smoothly.  Thanks for offering your customer such excellent service!"  Your wife or husband tells you, "I'm so proud of the way you encourage our children!"  Your grown child returns home for a visit and says, "Thanks for making it possible for me to get my degree!"  Those are "feel good" times, aren't they?

If you live a more or less normal day-to-day sort of life, compliments are always welcome, but aren't absolutely critical to your sense of well-being.  You don't have to get them to make it through the day.  If you are fortunate enough to enjoy high self-esteem, why not consider becoming a "candle" to others?

There are many around us each day, both children and adults, who suffer from mild to extreme "compliment" deficiencies.  They may have never been told that they are good, or attractive, or intelligent.  As children, they may have never experienced the exhilaration of getting a base hit, or making an "A" on a test, or receiving an "Honorable Mention" in art class. As adults, they may have lost a job, a spouse, or their health.  In short, many around us have never even had their "candle" lighted once.

You can become the greatest philanthropist of all time without giving away a dime.  All it takes to make a life-changing difference in someone's life is to share the light from your candle.  Each day, look for opportunities to encourage, compliment, or offer your knowledge to those who are "candle deprived."  Think back to when you were a child.  Was there some special person who took that time with you - someone you've never forgotten?

Sharing your candle by lighting many others can warm both hearts and souls.  Make a difference - starting today!

From Real Estate Trends,Spring 2012

Selling for the Maximum Price

Seller's in today's market ask all the time"How do I sell my home for the maximum price?"

There are many factors that influence price, one consistent feature that will help your home stand out is a pre-inspection. Why should a seller pay for a pre-inspection when the buyer will likely have one.  A pre-inspection does a few things. First, a home in top condition will stand out from the competition. It gives the seller's Realtor peace of mind and confidence in marketing the home to the potential buyers. A pre-inspection ensures the buyer that "what they see is what they get" increasing buyer confidence and eliminating the "buyer-beware" mindset. A pre-inspection also offers reassurance to the seller that there will be no "surprises" late in the process, which could result in last-minute price renegotiation after an agreement has been reached or a potential buyer walking away. Seller might also offer a home warranty, which may be purchased by the seller on behalf of the buyer,  this will also enhance the home's desirability and potential price. If you are thinking about listing your home call Phyllis Wolborsky & The Wolborsky Group. They have lots of experience in getting the best price for your property. They will also be able to explain in detail the pre-inspection and the home warranty. Call us today!

View some of Phyllis Wolborsky and The Wolborsky Groups Listings and let us know if we might schedule a showing.

http://www.phyllisdiditagain.com/Properties

 If you are in the market to buy or sale real estate please visit my website at www.PhyllisDidItAgain.com or www.AllenTate.com/PhyllisWolborsky to view all of my featured listing and the listings offered by our MLS service. Call Phyllis Wolborsky at 919-876-2372, Visit Brian Wolborsky at www.Raleighhomeguide.com, or call 919-427-9508, call Mitchell Wolborsky at 919-270-1049, Kevin Wolborsky at 919-608-2000.

Have a great day and it would be our pleasure to assist you with all of your real estate needs.

Understanding the Cost to Rebuild You Home

from Paula Posey, Allen Tate Insurance

Cost to Rebuild

Cost to rebuild (reconstruction cost) reflects estimated construction material, labor and equipment costs to rebuild your home while maintaining the same size and quality of construction, at today's prices.

Key features that impact the cost to rebuild your home include:

• Total living area (square footage of home)
• Style of home (e.g. ranch, contemporary, colonial, etc.)
• Exterior wall construction (e.g. frame, brick, etc.), materials and roofing
• Number of kitchens and bathrooms and quality of materials
• Garage type (e.g. attached, detached, built-in)
• Special features (e.g. fireplaces, porches, skylights, etc.)

Make sure you tell your insurance representative or agent about any of these features when discussing your homeowners coverage.

Don't rely on market value

The cost to rebuild often differs from what you paid for your home, or what you might pay for a similar home in your area. For this reason, market value is not used to determine the coverage amount needed. Market value can be affected by many factors, including:

• Location of your home
•  Economic conditions
• Value of the land
• It's important to know that rebuild costs for insurance purposes can also differ from mortgage requirements, tax assessments, new construction costs and other appraisals of your home.

Why rebuild costs can differ

• Building codes may have changed since your home was built
• More specialized workers are needed to prevent further damage and to rebuild the home
• Trees, shrubs and power lines can make it difficult for large equipment to access the property
• Materials to restore your home may be more expensive or hard to find

Keep your coverage up-to-date

Updates, additions and improvements to your home may increase the amount of coverage you need. Most common changes like installing hardwood floors, updating a kitchen or bath, or adding a deck can affect the cost to rebuild.  Here are some ways to help keep your coverage and limits current:

• Review your policy each year to be sure it reflects the cost to rebuild
• Inform your agent of any home improvements
• Consider that even small home improvements can affect the cost to rebuild your house

Do not hesitate to contact me if you ever have any questions!

Thank you and I hope you have a wonderful weekend!

This information is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to availability and to individuals meeting our underwriting criteria.

Paula Posey, CISR

Allen Tate Insurance Services

Office direct 919-582-0164

Cell 919-434-9736

eFax 800-719-0678

paula.posey@allentate.com

View some of Phyllis Wolborsky and The Wolborsky Groups Listings and let us know if we might schedule a showing.

http://www.phyllisdiditagain.com/Properties

 If you are in the market to buy or sale real estate please visit my website at www.PhyllisDidItAgain.com or www.AllenTate.com/PhyllisWolborsky to view all of my featured listing and the listings offered by our MLS service. Call Phyllis Wolborsky at 919-876-2372, Visit Brian Wolborsky at www.Raleighhomeguide.com, or call 919-427-9508, call Mitchell Wolborsky at 919-270-1049, Kevin Wolborsky at 919-608-2000.

Have a great day and it would be our pleasure to assist you with all of your real estate needs.

"First of all, you must find the right track, so you can start right away and not be held back.  But which track is yours? Well, that all depends on which way it's going, and where it might end."

- Craig Dorfman in "I Knew I Could!"

THINK YOU CAN?

Regardless of your age, you were probably introduced as a child to a wonderful book entitled "The Little Engine That Could."  If you will recall, it was the story of a small red locomotive personality who believed it was possible to pull a very heavy load uphill - a task that was shunned by other larger locomotives.  The little engine huffed and puffed up the hill, all the while repeating the mantra, "I think I can!  I think I can!  I think I can!"

It was a cute story that contained a very powerful message about persistence and the ability to overcome adversity.  Now there's a sequel entitled "I Knew I Could!"  A quick ten-minute read, it clearly outlines our ability to make our own choices in life.  Using illustrations of train tracks and those cute little locomotives, you are easily led to the understanding that we choose the life "tracks" upon which we travel.

The book suggests that before picking one of those tracks, we should determine the direction it might take us, and the destination we might reach by so choosing.  Sounds like real life, doesn't it?  How many times, and in how many ways, must we be taught this lesson?  If we fail to make our choices wisely, we have consciously made the choice to live at the mercy of happenstance - as did Alice in the following excerpt from "Alice's Adventures in Wonderland":

"Cheshire-Puss...," said Alice, "Would you tell me, please, which way I ought to go from here?" "That depends a good deal on where you want to get to," said the Cat.  "I don't much care where -" said Alice.  "Then it doesn't matter which way you go," said the Cat.  "... so long as I get somewhere," Alice added as an explanation.  "Oh, you're sure to do that," said the Cat, "if you only walk long enough."

Life - it's your choice.  Toot! Toot!

View some of Phyllis Wolborsky and The Wolborsky Groups Listings and let us know if we might schedule a showing.

http://www.phyllisdiditagain.com/Properties

 If you are in the market to buy or sale real estate please visit my website at www.PhyllisDidItAgain.com or www.AllenTate.com/PhyllisWolborsky to view all of my featured listing and the listings offered by our MLS service. Call Phyllis Wolborsky at 919-876-2372, Visit Brian Wolborsky at www.Raleighhomeguide.com, or call 919-427-9508, call Mitchell Wolborsky at 919-270-1049, Kevin Wolborsky at 919-608-2000.

Have a great day and it would be our pleasure to assist you with all of your real estate needs.