Bedford NY Real Estate | Robert Paul Talks Life in Bedford NY

Mortgage Rates are low.  Call Robert Paul at 914-325-5758 if you need a mortgage. Katonah NY Mortgage Rates Home Purchase Loan Rates for June 28, 2011* CONFORMING LOAN LIMIT up to $417,000* 30 year fixed rate = 4.625%, 0 Points 15 year fixed rate = 3.750%, 0 Points 5/1 year ARM = 3.125% / 0 Points (Interest Only also available) 7/1 year ARM = 3.500% / 0 Points (Interest Only also available) 10/1 year ARM = 3.875% / 0 Points (Interest Only also available) HIGH BALANCE CONFORMING LOAN LIMIT >$417,000 up to $729,750* 30 year fixed rate = 4.625% / 0 Points 15 year fixed rate = 3.750%, 0 Points 5/1 year ARM = 3.250% / 0 Points (Interest Only also available) 7/1 year ARM = 3.625% / 0 Points (Interest Only also available) 10/1 year ARM = 4.125% / 0 Points (Interest Only also available) JUMBO Loans ** 30 year fixed rate = 4.875% / 0 Points (Interest Only also available) 15 year fixed rate = 4.125%, 0 Points 5/1 year ARM = 3.375% / 0 Points (Interest Only also available) 7/1 year AR...

Need an Armonk Mortgage, contact Robert Paul at 914-325-5758.  Rates are very low today. Home Purchase Loan Rates for June 28, 2011* CONFORMING LOAN LIMIT up to $417,000* 30 year fixed rate = 4.625%, 0 Points 15 year fixed rate = 3.750%, 0 Points 5/1 year ARM = 3.125% / 0 Points (Interest Only also available) 7/1 year ARM = 3.500% / 0 Points (Interest Only also available) 10/1 year ARM = 3.875% / 0 Points (Interest Only also available) HIGH BALANCE CONFORMING LOAN LIMIT >$417,000 up to $729,750* 30 year fixed rate = 4.625% / 0 Points 15 year fixed rate = 3.750%, 0 Points 5/1 year ARM = 3.250% / 0 Points (Interest Only also available) 7/1 year ARM = 3.625% / 0 Points (Interest Only also available) 10/1 year ARM = 4.125% / 0 Points (Interest Only also available) JUMBO Loans ** 30 year fixed rate = 4.875% / 0 Points (Interest Only also available) 15 year fixed rate = 4.125%, 0 Points 5/1 year ARM = 3.375% / 0 Points (Interest Only also available) 7/1 year ARM = 3.750% / 0 Points ...

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A Surprising Marketing Test & The Results As email marketers , we're constantly trying and testing new things to optimize our copy , creative and results. Our Director of Lifecycle Marketing, Kim Stiglitz , recently tried a few tactics with an email we send each month to customers that have signed up for our free trial, but haven’t activated their account (double opt-in). I wanted to share the results with you because I thought they were pretty interesting and a bit surprising. The Details Kim got a list together of all VR customers who have signed up for a free trial, but never activated their online account (we require customers to double opt-in, so this is a necessary step). Kim sent one creative ( Version A ) in April and one creative in May ( Version B ). She could've also run a split test which the team often does. Version A encouraged customers to activate their account, and then offered a discount if they "liked" us on Facebook. Version B didn...

What? Are you serious? Who needs a guide on how to take a vacation? As we become more connected through mobile devices, our always-on jobs, and our expanding online social networks, it’s harder to break away from the physical aspects of work, and even more importantly, the developing mental separation from work and daily life woes to really relax and recharge. This was my first time unplugged in a few years, and now that Altimeter Group is continuing to safely grow ( and hiring ) it was a good time to take two weeks completely away from work, and week completely unplugged in the remote Fiji islands. Well, I should point the finger at myself first, as I live and work, a highly connected lifestyle. It was hard for me to take time off, but I was successfully able to disconnect, both the wireless connection –and mental disconnection from work. I want to share five steps on how to have a successful vacation when you’re a highly connected individual. Five Steps To Take a Vacation in ...

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New York City may have the annual Macy’s fireworks display, boasting 40,000 pyrotechnic shells and two full miles of ooh- and ahh-worthy explosions, but there’s plenty of fantastic Fourth of July color — and fun — to be found close to home. So with Katy Perry’s voice going boom, boom, boom inside our heads, we’ve created an essential guide to fireworks displays and Fourth of July getaways to fit every mood and moment. IT’S TRADITION Port Chester is known for a vibrant restaurant scene that regularly draws visitors from near and far. But it also hosts one of the most impressive fireworks displays throughout the Hudson Valley. Join this longtime family tradition by coming to Ryan Stadium at Port Chester High School, 1 Tamarack Rd., on July 4, well in time for a 9 p.m. fireworks by the famed Grucci family. The only other local display by the “first family of fireworks” this year will be at Spark the Sound in New Rochelle , which is rain or shine at 9:30 p.m. on the July 4 on the cit...

Amidst the passage of a slate of historic legislation, including the legalization of same-sex marriage , a property tax cap and expanded rent-control laws, lawmakers last week quietly approved a bill that would empower school districts to borrow up to $1 billion to cover increases in the costs of employee pensions. In New York, shortfalls in the state pension fund are closed with taxpayer money. The perfect storm of the recession and a growing number of pensioners as Baby Boomers reach retirement age has significantly spiked the pension burden for school districts statewide. The bill, which passed both houses, allows districts to sell 15-year bonds , the revenue from which could be used to offset skyrocketing retirement contributions over the next few years. Local governments already have the option, known as amortization or "smoothing." Supporters say it's a quick fix that can be paid off in better times. "School districts have had to make painful choices over th...

Officer Joseph Liburdi retired yesterday from a law enforcement career that spanned 23 years and covered dog patrol, bike patrol, new officer training and emergency medical services. He cleaned out his locker, took home his photos and mementos of inside jokes with his co-workers, and left behind his weapon and badge—no longer Officer Joe, but “now I’m a ‘Regular Joe,’” he said. “This department is like family to me, and I’m going to miss everyone," said Liburdi, who plans to spend more with his wife, Wendy, and their three boys, twins aged 10, and an 8-year-old. Born and raised in Bedford, Liburdi, 47, attended Fox Lane High School—where he met his wife—and completed a two-year degree at Westchester Community College. He worked at some “odd jobs” and started his police career part-time with the Lewisboro Police Department. He was hired permanently by the Bedford PD in 1988. “I’ve been around so long everyone calls me the mayor,” he joked. Living in the community he served was...

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This week I’m talking to small house dwellers for an upcoming article in Mother Earth News . I’m inspired by their commitment to minimalist living, and I’m learning a lot of tips and tricks for making the most of tiny spaces. Most of all, though, I’m inspired by the obvious joy and satisfaction that living in a smaller home brings to these folks. Living in a tiny home is a choice that no one regrets. (If you’d like to tell Mother readers your story, send an email to rlawrence@motherearthnews.com .) This morning, coincidentally, I received an email from Hunter Douglas with five good tips for “living larger with less.” They’re worth sharing.   The Container Store ’s Water Hyacinth Bins offer an attractive option for storage in three sizes. 1. Contain It: More items in view means the room appears more crowded and compact. Contain as much as you can in stylish storage. First, designate a spot for every belonging so that there are a few items on tables and desks. Putting small i...

“IN HER PRESENTATION at An Event Apart in Atlanta, GA 2011 Sarah Parmenter discussed how principles from human psychology can reframe how we think about Web Design. Here’s my notes from her talk:” An Event Apart: Crafting the User Experience Click here to cancel reply. via zeldman.com

Real estate outlook: scattered showers of optimism Mood of the Market Flickr image courtesy of j neuberger . Real estate has become the bad news bear of an economy that is trying to break out of bearishness. In fact, I Googled the word "doldrums" the other day and one of the first results was a set of news stories about home values! After four straight years, the virtually incessant onslaught of downer stories about the housing market is exhausting -- even though these stories may reflect the actual state of affairs, and I suspect signal a new normal of much slower appreciation than we're used to, until the job and mortgage markets find some deeper healing. However, I have come across a few bright spots in the real estate news lately, which I want to share. Negative consumer sentiment in real estate and most other economic markets is truly a self-perpetuating cycle: the more negative we are, the less likely we are to buy homes, and that further depresses the ...

Case-Shiller: 13 of 20 metros see monthly gains Index falls 4% year-over-year in April After a "double dip" in March, U.S. home prices saw a slight seasonal boost in April, according to the latest Standard & Poor's/Case-Shiller National Home Price Indices report released today. The April indices averaged price data from February, March and April. The 20-city composite index rose 0.7 percent on a monthly, nonseasonally adjusted basis in April, to 138.84 -- the first such increase in eight months. On a seasonally-adjusted basis, the composite remained essentially flat at -0.1 percent. The indices have a base value of 100; indices above 100 indicate appreciation of a typical home in a subject market since January 2000. Thirteen of 20 metro areas tracked showed monthly gains, including: Atlanta; Cleveland; Dallas; Denver; Los Angeles; Minneapolis; New York; Phoenix; Portland, Ore.; San Diego; San Francisco; Seattle; and Washington, D.C. Atlanta and Seatt...

36 High Quality Templates & Tutorials To Design Business Website It’s a solid fact that real world companies have been trying very hard to infuse their brand into the web, due to the popularity of the internet. Apple knows about that, Coca-cola knows about that, even local fresh mart near my home knows about that. For giant corporation like Nike, they can probably invest a small part of their fund to hire top-notch web designer to build an epic site, but for small companies without funds and design experience, it will be a crucial challenge for them to get their website existed online with nice design and functionality. This post exists to solve this problem. Here we’ve collected 35 high quality resources which include WordPress themes, HTML templates, PSD mockups and even step-by-step tutorials to help you build a website that meets your business need. You can either download, work on a bit and put it online directly, or hire a web designer to perform the customization until i...