 Robert and I have been married almost 47 years and have three sons, three beautiful daughter-in-laws and nine grandchildren ranging in age from 2 to 21. This is a lively family when we are all together. My husband is an ordained Episcopal deacon and retired from a career of ministry as a Hospital Chaplain having served three major institutions in Southern California. He is now the main Chef in the Bird kitchen, a computer consultant for Gail and me and a volunteer senior patrol officer for the Ontario Police Department. Through the years our family enjoyed the wonders of this beautiful and diverse state. Camping in the High Sierras, sailing in the mountain lakes and Los Angeles Harbor, sand sailing on the high desert dry lake beds, our sons skiing in the local mountains and enjoying the beaches nearby where surfing was a great attraction. It is now fun to see the second generation drawn to some of the same fun in the sun. Bob and I have scaled down just a bit but still enjoy vacationing in our travel trailer. Twenty- five years ago I was inspired to enter the Real Estate field and it seemed a good time of my life for a new challenge. It has been a great career and I continue to grow with the industry and enjoy the challenges and joys of working with people in the selling and buying of homes and relocation. It is an exciting time to be working in Real Estate.
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Closing or Settlement >The Settlement
The final stage of a home sale transaction is the time to tie up all the loose ends. The buyer and seller will sign the settlement sheet at the closing, detailing all of the charges that each party has incurred during the sale of the house. It is crucial to go over the sheet for accuracy and to make sure that you understand everything on it before you complete the transaction.
When a contract is negotiated, each side agrees how to divide the loan fees (or points), as well as the other closing charges, such as state or local taxes or escrow fees. Your real estate agent can go over the settlement sheet and help you compare it with your purchase agreement. The seller's charges usually include the brokerage fee, the mortgage payoff, and any charges involved in clearing the title, as well as pro-rated property taxes, payments for termite treatment and escrow for repairs that could not be completed by closing. The buyer's costs include charges for the loan and title searches, insurance and any other legal fees. A good closing officer will go over the settlement sheet line by line, explaining each item and correcting any misplaced charges.
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| Q |
Where is the world's longest spiral staircase?
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The White County Coal Mine in Carmi, Illinois has a spiral staircase that measures 1,103 feet and has 1,520 steps. |
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