THE POTENTIAL FOR PROBLEMS

Many kids leard the hard way that over-sharing on the web can have real-life ramifications, but parents can suggest that they think carefully before posting personal information about themselves and others.  It can even be risky to publish certain facts about their families, such as when they will be out of town on vacation.  Some teems suffer as a result of harassment by individuals or groups who could be mistreating them both at school and online; parents may want to watch for signs of cyberbullying, which has become more common.  Children should also understand the danger that could be involved if they agree to meet a stranger in person.

 To open Facebook account, users must be at least 13 years old, but there is no verification process to stop younger children from gaining access with a false birth date.  Default privacy settings for minors protect their accounts brom being found on general search engines, and they may only receive messages from others in their network.

If you have a profile on the same webiste, consider connecting to your child’s page so you can get a realistic idea of their interactions.  If not, ask to see their profiles from time to time.  Parents who want to employ strict monitoring can rely on software or online services to catch any unacceptable online behavior.

Teachers, coaches, college admissions officials and potential employers have been known to check out the online profiles of students, so teens should remain aware that inappropriate photos, updates and associations could be scrutinized and possibly impact their opportunities in the future.

source:  The Kaiser Family Foundation

UNDER WATFUL EYES

76% of parents who have Facebook profiles are linked to those of their children – and it’s a non-negotiable rule in 41% of households.  Despite their monitoring efforts, 33% of parents said they still worry about what their children might be up to online. Not surprisingly, 30% of kids say they would choose to “unfriend” their parents if they could.

source: Reuters

THE FACEBOOK NATION

Launched just six years ago, Facebook’s membership was first limited to Harvard students.  Facebook is now the world’s largest network and the most visited site on the Internet.  50% of Americans have Facebook profiles.  IF FACEBOOK WERE A NATION, IT WOULD BE THE THIRD LARGEST IN THE WORLD!

source: United Nations, US Census Bureau, Facebook

Options for Homeowners to AVOID FORECLOSURE…

1.  Reinstatement – To reinstate a mortgage, the homeowner has to pay all the missed payments, lates fees and legal fees that are due up to the date that the loan is reinstated.

2.  Forbearance or Repayment Plan – The lender allows the buyer to pay the  missed amount over a period of time or the lender places the missed payments on the end of the amortization of the loan.

3.  Rent the Property – In some cases homeowners are better off moving into a property with lower monthly payments and leasing out the property.

4.  Sell the Property – If sellers have equity in their property, they can sell it and prevent a foreclosure.

5.  Refinance – If homeowners have sufficient equity and income and their credit has not been too badly damaged, they may be able to refinance.

6.  Mortgage Modification – A loan modification is very similar to a lower interest refinance where the lender lowers the interest rate on the existing loan to lower the payments.

7.  Short-refi – This process involves the refinance of a home with a reduction in the principal balance and ofter the interest rate as well.

8.  Deed-in0lieu of Foreclosure – Sometimes referred to a friendly foreclosure because the homeowner essentially give the deed back to the bank.

9.  Bankruptcy – A bankruptcy may stop a foreclosure and allow homeowners to reorganize their debt and keep their property.

10.  Servicemembers Civil Relief Act (SCRA) – This law provides certain protection to military personnel who are in foreclosure in specific situations.

11. Short Sale – When homeowners owe more on a property than it is currently worth and one of the previous solutions does not apply to their situation, there is the option of pursuaing a short sale where the mortgage company is willing to accept less than the full balance of the loan at closing.  A buyer closes on the property, and the property is “sold short.”

For more information regarding Foreclosures or would like assistance in helping you Avoid Foreclosure please contact Ruben & Nancy Villarreal, RE/MAX Integrity, Spring, TX 713-557-7095.

Source:  Distressed Property Institute, LLC, www.cdpe.com and
2009 Buffini & Company.

Ray brings over 15 years of diverse management & sales experience to the Ruben & Nancy team. Whether you are buying or selling a home, Ray will listen, communicate, be honest, sincere and meticulous with your real estate transaction. His heightened sensitivity for unparalleled customer service always shines through.

Dawnya Simmons

Dawnya is “SOLD” on quality service.  Her love for real estate coupled with her professionalism and hard-working ethics is a definite asset to the Villarreal Team.  Whether it’s assisting a family buying their first home or selling an estate property for an executive on the move, Dawnya utilizes her experience, expertise and expert negotiation skills to assist her clients in accomplishing their goals.  For Dawnya, it’s the satisfaction of her clients that makes being a realtor worthwhile.

Blanca Maeso (se habla espanol)

Blanca specializes in selling and marketing all aspects of residential real estate including resale and new construction.  Her strong communication, organization and leadership skills provide for excellent ability in negotiating transactions, creating & executing marketing plans, providing excellent service, and organizing multiple projects.  Whether you are buying or selling, you can count on Blanca for outstanding results!

Ashley Villarreal

Ashley is an extremely professional, hard worker, who genuinely cares about each and every customer. Her determination and excellent communication and organization skills are a true asset when assisting with the many details involved in selling real estate. Whenever necessary, Ashley takes a step above to provide the quality service Ruben and Nancy offer to their customers.

Ruben and Nancy – Houston Top Realtors

WindRose is located in the highly acclaimed Klein Independent School District. Children attend Benignus Elementary located in WindRose, Krimmel Intermediate and Klein Oak High School.

WindRose Golf Club has become a local favorite in Northwest Houston due to excellent golf course conditions with some of the best greens around and a relaxed atmosphere providing friendly guest service. This 18 hole championship layout features lush fairways that meander through century old Oak and Pine trees. Strategic water hazards and substantial sand bunkering add to the aesthetics and integrity of this great track. Risk and reward is the name of the game on the par 3′s, as all of them are guarded by water. WindRose offers a challenge to players of all skill levels.

In addition to residential and corporate housing, The Woodlands features a shopping mall, seven golf courses and The Cynthia Woods Mitchell Pavilion, a regional concert venue, and the 4 star rated The Woodlands Resort. Over the past decade, The Woodlands has seen tremendous growth in terms of commercial/office space in Town Center. Many high-rise office and residential buildings have recently been built.

Surrounded by the beautiful Augusta Pines Golf Course and with 30 acres of lakes, streams and open spaces it is a truly magnificant community. It is peaceful to walk around the neighborhood and enjoy the many lakes. It is common to see the neighbors walking, riding bikes and just enjoying the beautiful surroundings.

The custom estate homes are on wooded lots between 1/2 acre to 1 acre. The estate homes offer lots that are in the woods, on one of the lakes or on the golf course. The homes feature grand entry ways, large kitchens, coffer-ed ceilings and archways. Many come with large outdoor kitchens for a true outdoor living experience. Homes in the estate section start at about $500,000 and go over a million.

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