Residential Sample Company Name Ph: 800-562-1456 Fax: 530-562-1474 1234 Your Street Your Town, 12345 Click Here to send e-Mail Click Here to visit site			Insulation Is Key To Year Round Comfort While having the best and most efficient heating system in a home is important, it is not the most important. The trick to keeping your home warm in winter, once that heating system is on, is to trap the heat in the house. Insulation is the key to it all. A well-insulated house will not only trap warm air in winter, but will retain cool air in the summer months. Heat rises and cooler air sinks. Much lost heat goes out through an inadequately insulated ceiling. The recommendations formerly given for insulation was that it should be at least six inches thick over the ceiling of the top floor and at least three to four inches thick in exterior walls. Recently, experts have changed these recommendations, sometimes Owner Financing--A Marketing Strategy When a home goes on the market, the owner and broker will usually discuss a marketing plan. This usually consists of the agent responding in terms of advertising, signs, explaining the referral system, holding the home "open" and wide exposure through the multiple listing service. These are the things expected of any real estate office. Further, an explanation is given regarding the efforts that the owner should provide: painting, cleaning, making repairs, gardening, etc. Many times, one of the most important marketing strategies is overlooked and never discussed at all. Seller Financing Your Home Investment Makes You Wealthy Along with all of other benefits of owning a home are the benefits of wealth that accrue to the homeowners. The net worth of the people who own a home is on average much higher than those who rent property. (Net worth is your "bottom line" after subtracting debts from assets.) The figures come from Harvard's Joint Center For Housing Studies and show that the average homeowner had a net worth of $250,000. Renters had a median net worth of $8,700. The wide difference is startling. The reason that may come to mind first is that people who buy homes were wealthier in the first place. True, but even among people with similar incomes the difference is considerable. For example, renters with annual						Agent Photo Agent Title Ph: 800-562-1456 Click Here to send e-Mail