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While there are a number of different types of paid LinkedIn accounts you can choose from (LinkedIn Premium, For Recruiters, For Job Seekers, For Sales Professionals), LinkedIn Premium is the most balanced paid account type that will generally suit most business owners and professionals. The  LinkedIn Premium account  has four different levels of membership that you can choose from depending on your budget and needs: Free Business Plus Executive Pro Here are three of the benefits that may have you wanting to  switch from a free account to a LinkedIn Premium account . #1: Narrow Your Target With Advanced Search The left section of the  Advanced Search  is available to all LinkedIn members and includes several fields such as keywords, location and company. In the right-hand section of the Advanced Search are several Premium fields that are valuable because of their ability to help you greatly  narrow down and target your searches . Bedford N...

Despite the fact that inventory improved in April, and will have improved again in May,  Redfin  anticipates a lull in sales this summer. Months of bidding wars and record-low inventory earlier this year has finally taken a toll on some buyers. Rising interest rates are likely discouraging some buyers as well, writes Redfin. Month over month, the number of customers taking tours fell 3.0% from April, compared to a 2.2% loss between April and May in 2012. Meanwhile, the number of customers making offers dropped 2.1% from April to May, also slightly more than last year’s 1.1% decline Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Home sales may begin to soften this summer | Katonah Real Estate

It may seem counterintuitive, but apparently a new study from leading economists David Blanchflower with Dartmouth’s Department of Economics and Andrew Oswald with the University of Warwick claims increases in U.S. homeownership actually lead to higher levels of unemployment. This suggestion counters the notion that increased homeownership activity is healthy for the economy, so take it with a grain of salt. The report, which is  available here , was covered on CNBC with the news agency saying the era of building an ‘ownership society’ is now blamed for causing less social mobility and employment options. Blanchflower and Oswald claim upticks in homeownership lead to lower levels of labor mobility, greater commute times and fewer new businesses. These issues eventually contributed to fewer employment opportunities, they suggest. With homeownership-centric areas having more zoning restrictions and fewer businesses coming in, an economic stall is the potential end result, ...

via socialmediaexaminer.com

Keeping up with Google’s ever-changing algorithm updates on WordPress blogs requires constant monitoring and adjustments, which many webmasters fail to keep up with. Following the Penguin algorithm update, millions of bloggers experienced a halt or decrease in traffic. Although keeping up with industry trends does require frequent updates to continue performing well in search, most tasks are not time consuming at all. This guide will help you understand recent changes to Google’s algorithm and how to update your WordPress blog to follow the new industry standards. The Penguin and Panda Revolution The Penguin and Panda algorithm updates targeted low-quality websites full of duplicate content, spammy linking, and poor user experience. WordPress is a wonderful content management system and blogging platform out-of-the-box, but it does create massive amounts of duplicate content. The days of large scale link exchanges and linking to unrelated, low-quality websites were...

via forbes.com

  The fiscal cliff agreement reached Tuesday will extend a tax exemption for distressed homeowners. Without the extension of a 2007 law, mortgage debt forgiven in foreclosure, loan modifications or short sales would have been considered taxable income. The Associated Press   Expiring tax exemptions for homeowners facing foreclosure, a relatively uncontroversial response to the foreclosure crisis that had lingered for months on Congress' to-do list, will be extended in the fiscal cliff deal approved late Tuesday. Debt canceled through a foreclosure, a short sale or a loan modification on a primary residence was considered taxable income until 2007's Mortgage Forgiveness Debt Relief Act. Under the fiscal cliff bill passed by Congress and awaiting the president's signature, that forgiven debt will remain untaxed for another year. Without an extension, short sales and loan modifications would have come with an increased tax burden on an already strug...

The first-time homebuyer share of home purchases fell to 34.7 percent in October, down from the 37.1 percent share in June and the lowest first-time homebuyer share ever recorded in the three-year history of the HousingPulse survey. The decline in first-time homebuyers participating in the housing market comes at the same time that purchases of non-distressed properties have risen significantly this year. In fact, according to the latest Campbell/Inside Mortgage Finance HousingPulseTracking Survey, the non-distressed property share of home purchases climbed to 64.7 percent in October, up from only 55.7 percent back in February and the highest non-distressed property share recorded by HousingPulse in its history. (See Where Did the First-time Buyers Go? ) First-time homebuyers are the only group of buyers tracked by HousingPulse that have not seen their share of non-distressed property home purchases rise over the past five months. Current homeowners have seen the biggest jump in p...

The last economic data to be released before the election has given no advantage to either candidate. We did pick up 171,000 jobs in October , a little better than forecast, and revised up another 84,000 in prior months. However, the average workweek was unchanged for the fourth month in a row, and hourly earnings fell slightly, over the last year rising only 1.6 percent. "U-6" -- the measure of unemployment including "involuntary part-time" -- is still 14.6 percent. On net a brighter sign than the jobs report: the ISM survey of manufacturing in October crawled 0.2 further into positive ground at 51.7. Markets are flat, I think suppressed more by the election than anything, although stocks are clearly hurt by diminished earnings. Foreign action has also been muted and deferred by our election, especially in Europe. So, Wednesday morning -- assuming we know the election results by then -- how will events and markets break from months of unnatural q...

Resources and Information Bedford declared a state of emergency Monday at noon. Warming centers are available at each of the three fire departments. All non-essential travel on roads in the Town of Bedford is prohibited. The Town House will be closed this afternoon and Tuesday, reopening at 8:30am on Wednesday. If overnight sheltering is necessary, please call the Bedford Police Department at 914-241-3111 to make arrangements.  Overnight shelter will be available at the Bedford Hills Fire Department. In Lewisboro, officials have declared a state of emergency as of 7 p.m. Sunday night, Supervisor Peter Parsons told Patch. Beginning at 7 p.m., town hall will be used as Lewisboro's emergency command center; the phone number is (914) 977-8043. This number may be used for any to obtain information and to report such incidents as blocked roads. For emergency calls, locals are directed to use 9-1-1. Residents are encouraged to use the town's website to obtain informa...

via cnbc.com

Septic Systems - Operations & Maintenance System Components A typical household sewage treatment system consists of a house sewer, septic tank, distribution box and absorption field or seepage pit. House Sewer - The pipeline connecting the house and drain and the septic tank. Septic Tank - Untreated liquid household wastes (sewage) will quickly clog your absorption field if not properly treated. The septic tank provides this needed treatment. When sewage enters the septic tank, the heavy solids settle to the bottom of the tank; the lighter solids, fats and greases partially decompose and rise to the surface and form a layer of scum. The solids that have settled to the bottom are attacked by bacteria and form sludge. Septic tanks do not remove bacteria and, therefore, what is discharged cannot be considered safe. Distribution Box - Serves to distribute the flow from the septic tank evenly to the absorption field or seepage pits. It is important that each trench or pit r...

Business groups typically spend the first half of the year in Albany fending off tax increases, state borrowing schemes and expanded regulation. This year they expect to be on offense, driving their bills toward the goal line without much fear of being scored upon. But the fate of business-backed bills to cap property taxes, reform workers' compensation and permanently extend a subsidized-power program hinges on the outcome of the business community's top priority: Gov. Andrew Cuomo's budget. Business' agenda begins with the budget because of its game-changing premise of lower spending and no borrowing or tax hikes. Passage would enhance the governor's clout and bode well for passage of pro-business bills he supports. By the same token, if the budget is substantially changed or delayed, the rest of the wish list would be jeopardized. “Cuomo knows if he loses this first test, he's diminished his future significantly,” said Jeffrey Stonecash, who teache...

  71    homes currently available $940,000    median price $15,000,0000    high price $379,000     low price $348   average price per foot 193    average days on market 3776   average size     Katonah NY Homes Katonah Luxury Homes

You can save a few hundred a month by buying discount items on Ebay or Amazon and by searching for the hottest deals. Saving a few hundred bucks a month is a ton over a year and its effects are even greater over 10 years. But what if that’s not enough? What if you need to somehow impossibly cut back your expenses like $1000-$1500 because you lost your job or your savings have depleted? The mortgage payment is America’s single highest expense. Honoring your word is sacred. You signed on the dotted line and said you would pay your debts. Abraham Lincoln spent 17 years paying off debt he borrowed to start a business in 1833. The virtues of repaying debt and honoring your commitments are self-evident. However, at some point you have to acknowledge when the snowball gets irreversibly big and you have to make a decision between food and the mortgage. Most people choose the former. I do not advocate walking away from your mortgage for the sake of it, but if you can only ...

  The National Association of REALTORS® surveys home buyers and sellers annually to gather detailed information about the home buying and selling process. These surveys provide information on buyer and seller demographics, housing characteristics and the experience of consumers in the housing market. Buyers and sellers also share information on the role that real estate professionals play in home sales transactions. NAR’s Profile of Home Buyers and Sellers reports – based on results of those surveys – provide real estate professionals with insights into needs and expectations of their clients. The latest 2010 NAR Profile of Home Buyers and Sellers* was released in November. Last month's Market Intelligence column highlighted some of the profile data on home buyers. In this edition, we focus on home sellers and how they may have “traded up” in purchasing another home. (Note: sellers who responded to the survey were also home buyers; consequen...

Home shopping for first-time homebuyers it's an exciting, albeit nerve-wracking, experience. If you're like others in the market for their first home, you probably have in mind exactly how your soon-to-be home will look. But it's important not to fall into the bad decorating, dingy walls and dirt-bare back yard equals bad-home trap. If you don't see past the hideous wallpaper, funky light fixtures and avocado green carpeting, you may miss out on a home with great potential. And, if you're looking for a home in a seller's market where homes are being snatched up as soon as they go on the market, you'll come to realize you can't be choosy if you want to make a competitive offer. One of the first things to do is to get pre-approved for a loan and determine the maximum you can afford to offer for a house. Don't look at homes that are asking for more than 5 percent above your maximum, otherwise you'll be setting yourself up for disappointment i...

The plan to eliminate the mortgage tax deduction was widely criticized, but the industry overreacted to the proposal. Turns out it's not that great for most of us. President Obama's deficit commission came up short of votes to command quick action in Congress of a bipartisan plan that recommended eliminating or reducing long-standing credits, including the popular home mortgage interest deduction. This isn't much of a surprise. While lawmakers acknowledge that the nation faces an incredibly worrisome debt problem and that a dramatic slash in spending needs to happen, the plan was politically unpopular from the start. Real estate and mortgage industry experts argued the elimination of the mortgage deduction would put more pressure on an already fragile housing market. That might be the case, but if we look deeper, many of their arguments are exaggerated. If anything, once the housing market gains some strength three or so years from now, slimming the deduction down so...