When it comes to creature comforts, little ranks higher than feeling safe. There are many ways we work toward creating a living environment that promotes security, and improved security often means higher home values and lower home insurance premiums. From MAE Capital Mortgage Inc., here are some of the key security solutions for homeowners and what you need to consider when listing a home.
Traditional Basics
We all use doors and locks to secure our homes, but your choices can impact how truly safe your household is. As Safewise explains, most burglars enter homes right through the front door, so selecting a secure door is paramount. Steel doors are the most economical, and there are hardwood choices that are very attractive. Avoid sidelight windows for optimal security, or consider installing security film to add peace of mind.
When it comes to locks, certain kinds of deadbolts tend to be more resistant to break-ins than others, and you can reinforce entryway doors and locks to bolster security. Lighting can also play a key role in home security. Think in terms of exterior lights that can reduce hiding spots for criminals, motion-activated versions, and interior lights on timers.
Rethink Your Landscaping
When viewing your home from the exterior, try to do so in the mindset of a burglar. Look for nooks and crannies that would shield people from being viewed by passersby. Overgrown landscaping close to your house provides cover for would-be thieves, so SFGate points out that you should take steps to shear shrubbery back to no more than two feet tall. At the same time, a tall, protective barrier around the perimeter of your property can effectively keep scoundrels out, especially if you choose greenery sporting spikes and thorns. Installing a shrub barrier can be a significant undertaking, so consider hiring a pro to do it for you. With the right tools and equipment in hand, they can knock it out quickly and save you the backbreaking work.
Smart Home Locks, Doorbells, and Cameras
If variety is the spice in life, smart locks and doorbells -- all part of smart home security -- offer ample seasoning to pick from. As opposed to conventional security systems that require you to turn it on or off every time to enter or exit your house, a smart system is on 24/7, negating the need to remember to arm it every time you leave home. What’s more, some smart systems have motion sensors that trigger emergency notifications if something seems suspicious.
Smart home security has come a long way since conventional security. It’s all now very intuitive; in addition to tracking main entry points into the home, a smart system can track behaviors and alert you via text. One example is if a thief cuts your phone line (a typical first task before breaking in), your smart system can send you an alert if it ever loses the connection.
Smart locks alone offer options ranging from notifying you when someone arrives at your home to special codes for each user, voice activation, temporary codes for guests — and everything in between. You can often make changes to settings from your smartphone, and some offer keyless touchpads in case you lock your keys or your phone. Smart doorbells offer a live feed straight to your phone so you can see in real-time who is at your door. Some record the activity for your review, while others offer interaction with the visitor. Smart home security cameras offer a number of interesting features as well, such as voice activation, facial recognition, cloud storage, and emergency services monitoring.
Selling Your Property
With the advent of technological security systems, selling a well-reinforced property is slightly more complicated, but it’s a worthwhile investment. Security systems can catch a prospective buyer’s eye, and at the same time, being recorded can be off-putting to some house hunters. One suggestion is to hang a notification at your entryway indicating that a system is installed and whether it’s in use at the time of a showing. When your property does sell, you should ensure all smart home devices are returned to factory settings and notify technical support there is a change of ownership. If you intend to remove the devices when you move out, you should discuss the situation in detail with the homebuyer in case they intend to replace some or all of the gadgets. Be forewarned, however, that it may be up to you to install adequate replacements for certain items, so you should investigate your responsibilities.
Security means peace of mind for you and your loved ones, and it can also influence the sale of your home. Think about what will be attractive to house hunters and what will put your mind at ease while boosting your home value. With a well-thought-out plan, you can rest easy.
Are you ready to buy a home? Contact MAE Capital today at 916-672-6130.
The article was written by Natalie Jones
Some of you are hearing that we are in a “Seller’s Market”, but have no idea what that really means. It is interesting times right now and every Real Estate Market in America is different. I am writing this article from Northern California in the Greater Sacramento area, but the definition of a “Seller’s Market” is good for any market. The factors that make a Seller’s Market are many but the biggest factor is the lack of supply of housing for sale in the affordability range. The affordability will differ from town to town is based on the average income for the particular area. In in Northern California You can see the highest priced Real Estate Market in the world with Silicon Valley and the San Francisco Peninsula and drive 2 hours to the east and see some the most affordable housing in California in the Stockton and Central Valley. Real Estate markets are driven by supply and demand with a higher supply of housing the lower the pricing and the lower the supply the higher the price becomes with the same amount of demand.
Although the rules of supply and demand work in any market place, in Real Estate it is especially prevalent as people generally don’t have choice to buy or rent they always need a place to live. With most goods and services people have a choice as to purchase and item or not based on price, but if your job is in a Real Estate Market that has a low supply of housing and a high demand for that housing you will be forced to take housing at elevated prices. Even if you are renter you will be forced to pay higher rents in markets with a low supply of housing. Some markets with high demand for housing have implemented rent control to try to keep rents low in certain areas so people can afford to live there. This concept, although with good intentions for potential renters, is a horrible way to try and combat high rents as it will force corruption and landlords that can’t get market rents will tend to not do the necessary maintenance that would be necessary in an uncontrolled market to save money. You have seen this in areas in major cities that have tried this and what you end up with are areas that are run down and crime ridden. The solution is a supply problem and if you can build more housing and move the jobs away from high concentration areas you will fix the problem.
As for a “Seller’s Market” in Real Estate market you will generally have a high demand for housing and low inventory to choose from. Here in the Greater Sacramento area we are experiencing just such a market. What this does for a seller of Real Estate is insure that they will get the highest price possible for their Real Estate. As for buyers in this market they will be forced to make full price offers or even above full price offers to get the seller to sell to them. As a buyer, it becomes frustrating to look for a home to buy and every house you see in your price range has multiple offers and some are cash offers. If you are a Veteran and want to try to use your benefits you will have a very tough time to purchase, as if a seller takes a VA loan offer on their home they will have to clear the termite report and take the house to VA standards. If a seller has multiple offers on a house they will generally take the path of least resistance to them and the highest price. For example, if a seller has 3 offers to purchase their home and one is a cash offer (meaning they are not seeking a loan) and one is a conventional loan, and one is a VA loan and even if the VA loan is offered at more than the asking price the seller will look at the type of buyer that they will make the most off the sale from. With the cash offer, with no repairs being asked for verses a conventional loan buyer that may have no repairs requested either at the same price and a VA loan buyer offered above the asking price with repairs, it would generally be the cash offer that wins every time as it would be known that the cash buyer can perform whereas the conventional loan still has to go through the process and the VA loan buyer just becomes more of a hassle. Thus, putting the seller in control of who they sell their house to.
With the seller in control of who they sell their house to it becomes an art for a Buyer’s Agent to make an offer that will get accepted. Here at MAE Capital Real Estate and Loan our Agents are trained in the art of deal making and have special ways to convince a seller to accept the offer we provide. We are one of only a few Real Estate firms that can bundle our services thus sweetening the offer we can make to a seller. If we work with you on your home loan and represent you in the Real Estate Transaction we can reduce our fees and make the seller’s bottom line sweeter where other Agents will not have this as an option to help potential buyers. If you are a seller in this market and we list and sell your home and bundle our services with the purchase of the next house or home loan or both we can really save you thousands of dollars.
Back to what a seller can expect in this market when selling their home. Since the seller is in the driver’s seat, so to speak, they will be able to take the highest and best offers presented. Some techniques that are happening in this market is to set a date where the offers will be reviewed by a seller so the seller can pick the best one. Generally, when the house is listed on the MLS there will be a note to other Agents stating that offers will be reviewed on a certain date usually 7 days after it is put into the system. So if a house is listed on a Friday the Agent may suggest to the seller that the following Friday evening they will get back together to go over all the offers received during the week. If some of the offers are the same the Agent will suggest doing a “Multiple-Offer Counter Offer” where the Agent will send to all offers one final chance to send a higher or better offer than they originally sent in. Once those are back the seller will then pick the best offer out of the bunch. This technique is good for a seller but potential home buyers get really frustrated with this type situation as they find out that they didn’t get the house and they offered the highest they could. This should be explained to all potential buyers prior to even going to look at homes so they are prepared to battle for what they really want.
Another problem that arises in a Seller’s Market is the lack of tolerance from a seller. Although, it should be a given to be as courteous as possible in a Real Estate transaction a Seller doesn’t really have to be tolerant of the home buyer’s problems. So if a home buyer’s lender has requested that they want the seller to comply with work or to participate in closing costs, the seller might not have the tolerance for that and cancel the transaction and move to the next buyer and if a few weeks have passed then they might be able to sell the house for even more. This is especially prevalent with builders as they are professional sellers and have zero tolerance. In fact, most big builders have their own lending institution so they will steer you to their lender by offering incentives to use their lender as they make money from the sale and the loan. This is illegal per the Consumer Finance Protection Bureau (CFPB), but it is still common practice with builders.
So bottom line, if you intend to sell your home or property in the next 6 months to a year in a “Seller’s Market” picking your Agent is the most important part of the transaction as they will pay for their services over and over not just from keeping it legal but getting the best price and you not having the hassle of showing your home and answering all the buyer’s questions. MAE Capital Real Estate and Loan is here to help you list and sell your home, Land, or Commercial property. We can also bundle our Real estate Services with our Loan services to save you big dollars so weather you are a seller or a Buyer we are here to save you money. Give us a call at 916-672-6130 or click here to email us.
After one of the rainiest winters on record the sun is finally shinning and you are thinking it is time to put your home on the market. So you ask, Is it time to sell your home? For everyone that realization comes at different times. Maybe you just got married and its time to sell that bachelor or bachelorette pad. Did you have another child and don’t have enough rooms. Has your company decided to relocate you? Do you just want to move up? Kids out of the house and want to move down? Whatever your reason is you have come to the conclusion that it is time to sell. Now what? Can I sell it myself or do I need a Real Estate Agent to help me and how much that will cost me.
These are typical questions that most everyone has had when they decide it is time to sell their home. So let’s discuss the purpose of using a Real Estate Agent and the cost of using one. It has appeared to most sellers that they could probably put a post in the ground and put the listing in Zillow and sell their own home. What they have not thought through is how to show the house when they are away, and do the legal paperwork for a potential buyer. In addition, they may not have the ability to accurately figure a price to put on their home, and if they have come up with a price, will it appraise. Then there is all the legal aspects of selling a home in today’s world, and are Sellers up to date on what they must provide to a potential buyer by law? If these are questions you are having then you will naturally look to a Real Estate Professional for help, but who and how much will that cost?
A typical Real Estate commission is between 4-6% plus fees, you may ask yourself “what am I actually getting for that fee?” The truth is, you are buying piece of mind that your will house will sell and you will not be liable for it once it is closed and you have good proceeds from the sale. A good Agent will not only give you that piece of mind they will be able to map out how the transaction will go before you even put a post in the ground. At Mae Capital Real Estate and Loan our Agents have the experience in both years in the business also in the volume of transactions seen in those years. What our experienced Agents will bring to the table is a team of professionals that are proven in their field whether that is in lending, Title, appraising, or legal. Not to mention we have been consistently selling home for at or higher than most seller’s expectations are.
A good Agent will pay for themselves multiple times over in time savings and negotiations. It starts with the initial marketing of your home or property. It is like the difference between buying a used car from a dealer or a private party, which one do you feel would stand behind what they just sold you? That’s right, a dealer, as they will stand behind their product and have a team of mechanics, lenders, and support staff, so you pay a little extra for that piece of mind. The same applies in Real Estate, as most buyers will feel more comfortable with a team of professionals that will stand behind their work other than an unlicensed person trying to sell their home by themselves. It is proven that a potential home buyer will pay a little extra for the peace of mind that comes with professional help. Generally, a home buyer will pay up to 10% more for that peace of mind. So when we say that “having an Agent represent you will pay for itself”, we are not kidding, it does. So that covers the argument of an Agent costing the seller more, to add to that, if you were to have a lawyer draw up a contract it would cost you considerably more money, but an Agent covers that cost as well. If you were to forgot to disclose something upfront and the buyer sued you after the sale that would cost you exponentially, an Agent will assure that you won’t bear that cost. Your Agent also bears the costs of marketing your home. At MAE Capital Real Estate and Loan we get your listing out to the MLS so other Agents see your home listed but we also get the house listed on Zillow, Redfin, Realtor.com and over 70 other search engines that potential buyers will be looking at.
Now that we have rationalized why you should be represented by a licensed Real Estate Professional lets figure out what comes after that. Your Agent will help you to prepare your house for sale, offering showing ideas and how to stage your home for sale. If you are selling your primary residence you should have your home inspected by a licensed termite inspector before listing the home so you know what might come up from a potential buyer. Most buyers will ask to see a termite report when they make an offer to purchase your home, so if you have it done in advance your home will become more attractive to potential buyers. Spruce up the yard, your Agent will tell you that “curb appeal” is important to buyers that may be driving around looking at houses. Remember, if your home makes a good first impression to potential home buyers it will generally sell fast and at a higher price and it doesn’t take much to make your home appealing to others.
The inside of your home should ready to show, as well. This is a little trickier, as you are living in the home at the same time you are trying to sell it. A good idea will be to ask your Agent what you should do to the inside of your home to make it more attractive and stage it for potential buyers. This process may be a simple as de-cluttering your home of personal items or a complete make over. If you are person that has collectables and like to display them for your family and friends you might want to pack those away to make the house look less busy. You have to remember that you are not showing your house off with all your things, you are trying to sell it without your things in it. Homes always look better without personal affects in plain view, so take down your family pictures and collectables and pack them away for your next home. Look in the kitchen, all those appliances that you love to cook with that you leave on the counter, store them away, you probably don’t use them every day anyways. Bedrooms, probably the hardest thing to keep show ready, but it is important. You should get in the habit of putting your clothes away every day, go to the kid’s rooms and get those clothes of the floor every day. Again, take down personal affects like pictures and fill in holes in the walls, paint them if necessary. Potential home buyers want a “fresh” feeling when they walk into a home that they are planning to live in, so get rid of anything that is not essential, remember you already made the decision to move so start the process of packing your stuff you don’t need. Clean the windows, that may sound obvious, but you would be surprised that is one of the most overlooked items. People want to see though clean windows even if the view is of the house next door. If you don’t feel comfortable “staging” your home, ask your Agent, or call in a professional stager and they can be honest with you on what you should do. It won’t cost a lot of money preparing your house to sell, it will mostly take your time and energy. It is worth it I have seen houses sell for top dollar by just cleaning up and make a house feel “fresh”.
Now when it comes to marketing your home, your Agent will most likely have that handled. Your Agent will, at a minimum, put your home into the Multiple Listing Service (MLS) so other Agents can see it is for sale. At MAE Capital Real Estate and Loan we will not only do that for you but we will build a personal website for your home and syndicate that website to over hundreds of different search engines like Zillow, Realtor.com, Homes.com, Trulia, Redfin, and many others. In addition to that, we will make sure that we have an open house schedule pre-set, if you want those. Putting a plan together is very important to do upfront so you know what is happening at all times. You should also be pre-approved for a price on your next home, so you can plan you transition smoothly. You will also need to know what you will “net” from the sale of your home, so you know how much money you have to work with for the purchase of your next home. These are the necessities to know when you are selling a home. Without the proper guidance, your ignorance could cost you thousands of dollars.
This article may have brought up things that you may not have thought of and I hope this has helped you with the rationalization of having proper representation when selling a home. Over the last 30 plus year I have been in this business I have seen sweeping changes to the industry. In the last 7 years alone I have seen more changes than all the other years combined. So if you have sold a home by yourself in the past and think you know how it is done, you may need some help to know the new laws. There are also potential buyers out there in today’s world that would love to prey on unsuspecting sellers. I have seen this happen too many times where I have had to come in and fix a big mess at the seller’s expense where that could have been avoided from the start and they potentially could have sold their home for more money and less costs. So we would love the opportunity to give you a free value estimate of your home and show you how to sell your home. If you are looking to sell your home please talk with one of our qualified Realtors. Call us today at 916-672-6130 or click here to email us your questions.
Is it time to sell your home? For everyone that realization comes at different times. Maybe you just got married and its time to sell that bachelor or bachelorette pad. Did you have another child and don’t have enough rooms. Has your company decided to relocate you? Do you just want to move up? Whatever your reason is you have come to the conclusion that it is time to sell. Now what? Can I sell it myself or do I need a Real Estate Agent to help me and how much that will cost me.
These are typical questions that most everyone has had when they decide it is time to sell their home. So let’s discuss the purpose of using a Real estate Agent and the cost of using one. It has appeared to most sellers that they could probably put a post in the ground and put the listing in Zillow and sell their own home. What they have not thought through is how to show the house when they are away, and do the legal paperwork for a potential buyer. In addition, they may not have the ability to accurately figure a price to put on their home, and if they have come up with a price, will it appraise. Then there is all the legal aspects of selling a home in today’s world, and are Sellers up to date on what must provided to a potential buyer by law? If these are questions you are having then you will naturally look to a Real estate Professional for help, but who and how much will that cost?
When you hear that a typical Real Estate commission you must pay is 5-6% plus fees, you may ask yourself what am I actually getting for that fee? The truth is, you are buying piece of mind that your will house will sell and you will not be liable for it once it is closed and you have your money. An good Agent will not only give you that piece of mind they will be able to map out how the transaction will go before you even put a post in the ground. At Mae Capital Real Estate and Loan our Agents have the experience in both years in the business also in the volume of transactions seen in those years. What our experienced Agents will bring to the table is a team of professionals that are proven in their field whether that is in lending, Title, appraising, or legal.
Advertisement put aside, a good Agent will pay for themselves multiple times over. It starts with the initial marketing of your home or property. It is like the difference between buying a used car from a dealer or a private party, which one do you feel would stand behind what they just sold you? That’s right, a dealer, as they will stand behind their product and have a team of mechanics, lenders, and support staff, so you pay a little extra for that piece of mind. The same applies in Real Estate, as most buyers will feel more comfortable with a team of professionals that will stand behind their work other than an unlicensed person trying to sell their home by themselves. It is proven that a potential home buyer will pay a little extra for the peace of mind that comes with professional help. Generally, a home buyer will pay up to 10% more for that peace of mind. So when we say that “having an Agent represent you will pay for itself”, we are not kidding, it does. So that covers the argument of an Agent costing the seller more, to add to that, if you were to have a lawyer draw up a contract it would cost you considerably more money, but an Agent covers that cost as well. If you were to forgot to disclose something upfront and the buyer sued you after the sale that would cost you exponentially, an Agent will assure that you won’t bear that cost. Your Agent also bears the costs of marketing your home. All for a commission that is not collected until the transaction is completed.
So now that we have rationalized why you should be represented by a licensed Real Estate Professional lets figure out what comes after that. Yes, your Agent will tell you how to prepare your house for sale, but if you can get a jump on the process it will make the process that much smoother. If you are selling your primary residence you should have your home inspected by a licensed termite inspector. This will give you an idea if you may need to have work done to the house prior to selling it. Most buyers will ask to see a termite report when they make an offer to purchase your home, so if you have it done in advance your home will become more attractive to potential buyers. Spruce up the yard, your Agent will tell you that “curb appeal” is important to buyers that may be driving around looking at houses. Remember, if your home makes a good first impression to potential home buyers it will generally sell fast and at a higher price.
The inside of your home should ready to show, as well. This is a little trickier, as you are living in the home at the same time you are trying to sell it. A good idea will be to ask your Agent what you should do to the inside of your home to make it more attractive. This process may be a simple as de-cluttering your home. If you are person that has collectables and like to display them for your family and friends you might want to pack those away to make the house look less busy. You have to remember that you are not showing your house off, you are trying to sell it. Homes always look better without personal affects in plain view, so take down your family pictures and pack them away for your next home. Look in the kitchen, all those appliances that you love to cook with that you leave on the counter, store them away, you probably don’t use them every day anyways. Bedrooms, probably the hardest thing to keep show ready, but it is important. You should get in the habit of putting your clothes away every day, go to the kid’s rooms and get those clothes of the floor every day. Again, take down personal affects like pictures and fill in holes in the walls, paint them if necessary. Potential home buyers want a “fresh” feeling when they walk into a home that they are planning to live in, so get rid of anything that is not essential, remember you already made the decision to move so start the process of packing your stuff you don’t need. Clean the windows, that may sound obvious, but you would be surprised that is one of the most overlooked items. People want to see though clean windows even if the view is of the house next door. If you don’t feel comfortable “staging” your home, ask your Agent, or call in a professional stager and they can be honest with you on what you should do. It won’t cost a lot of money preparing your house to sell, it will mostly take your time and energy. It is worth it I have seen houses sell for top dollar by just cleaning up and make a house feel “fresh”.
Now when it comes to marketing your home, your Agent will most likely have that handled. Your Agent should, at a minimum, put your home into the Multiple Listing Service (MLS) so other Agents can see it is for sale. At MAE Capital Real Estate and Loan we will not only do that but we will build a personal website for your home and syndicate that website to over hundreds of different search engines like Zillow, Realtor.com, Homes.com, Trulia, Redfin, and many others. In addition to that, we will make sure that we have an open house schedule pre-set, if you want those. Putting a plan together is very important to do upfront so you know where you are going. Being approved for a price on your next home, and how long of an escrow you will need on the sale of this home so you have time to find another home. You will also know upfront what you will “net” from the sale of your home, so you know how much money you have to work with for the purchase of your next home. These are the necessities to know when you are selling a home. Without the proper guidance, your ignorance could cost you thousands of dollars.
This article may have brought up things that you may not have even thought of and I hope this has helped you with the rationalization of having proper representation when selling a home. Over the last 30 plus year I have been in this business I have seen sweeping changes to the industry. In the last 6 years alone I have seen more changes than all the other years combined. So if you have sold a home by yourself in the past and think you know how it is done, you may need some help to know the new laws. There are also potential buyers out there in today’s world that would love to prey on unsuspecting sellers. I have seen this happen too many times where I have to come in and fix a big mess at the seller’s expense where that could have been avoided from the start and they potentially could have sold their home for more money and less costs. So we would love the opportunity to give you a free value estimate of your home and show you how to sell your home. Thank you for reading this article your comments and questions are always welcome.
This time of year folks are preparing for Thanksgiving feasts and Holiday Shopping. So who out there thinks of buying or selling a home during the holidays is a good idea? More people than you might you think, like all good shoppers, savvy home buyers know that traditionally these next 4 months (November-February) are traditionally slow home buying months so deals are out there. Yes, deals are out there. You see, although less people list their homes for sale this time of year there are still a good inventory of homes that have been for sale. Some of these homes that have been listed for several months or more might just be the deal you have been looking for.
If you are a buyer and have been looking for just the right deal on a home, either for investment or to live in, now could be the time to catch a seller in the “Holiday Blues”. I know this might sound like taking advantage of people when they are down, but it truly is just an economic factor that everyone should take into consideration. Traditionally, shoppers for real estate slow down this time of year and the frequency of which homes are being shown slow down as well. This puts a seller of a home in the mindset that that they should take an offer that might be on the low side because they believe the market has slowed and they need to take what they can get to sell their home. Home sellers, this time of year, may also be looking for tax advantages of selling before the years end which could also bode well for potential home buyers. As a buyer you should know your options as well as the phycology of the Real Estate market this time of year to get the best deal possible.
Here at MAE Capital Real Estate and Loan we understand the phycology of the market this time of year and want all our buyers we represent to know that we truly want to get the best deal possible for them any time of the year. We also understand that home buyers may need to close their transaction before years end for their tax situation. As a home buyer you can write off the some fees and costs of a real estate transaction in the year you purchase. I always advise my clients to seek the advice from their CPA or account as to what they can write off and what the ongoing tax advantages are of owning a home either a primary residence or rental property. There are distinct differences in the tax code between a primary residence and a rental property and the buyer should know the differences before the buy. Once you determine that owning real estate by the end of the year is in your best interests we need to get you qualified to buy with a loan, if needed. Then we need to get the parameters of the type of home you are looking for and the location you are looking in. We will need to act fast as there are the holidays that take away from business days that can be used to work on your transaction. I would advise, if you need a loan to close your transaction and you are using traditional financing, to be in contract to buy no later than the first of December. If you are a cash buyer you could probably wait till the 15th of December at the latest.
If you are a home seller this time of year there are several things to consider. The first of which is the urgency that you need to sell your home. Are you looking at a traditional sale or a short sale? If you are looking at a traditional sale where you will be getting money from the equity in your home to purchase another home, you may want to take your home off the market if you don’t need to sell right away or if you wish to stay in your home over the Christmas –New Years’ time. If you are doing a traditional sale, but have already bought another home contingent on the sale of this home, you need to keep the home active and look at all offers. If you are short selling your home, chances are, if you are not in contract by now there is no real way it would or could close by the end of the year so keep it active. The downside of keeping your home on the market over the holidays is that you have to be ready to show your home at a moment’s notice and that could be problematic if you are going out of town or having company over for the holidays.
In conclusion, if you need to buy a house before year’s end you had better get going as there are not that many business days left till the end of the year with all the holidays. If you are a seller think of what is best for your situation. If you need help with anything please call us we can help you through this time of year and all year around. Happy Holidays!