I was born and raised in Pusan, Korea, the youngest of eight children. While working for Westinghouse Electric, I met my husband, Bob, who was also working for Westinghouse as an expatriate. After we married, we moved to Pittsburgh, Pennsylvania, in 1983, where we had two children; our daughter, Naari, and our son, Bobby. In 1987, Bob was relocated to the New York City area as a Project Manager. It was while we lived here that I was first able to fulfill my desire to study. I enrolled in college and started taking courses scheduled around my children's school and extracurricular activity schedules (this gave me excellent indoctrination into the need to develop my time management skills).  |  | | | | |
 Three years later, Bob took a new position in Ohio and we moved to Hudson, a little town between Cleveland and Akron. In Ohio, I attended Kent State University where I graduated cum laude with a degree in Fashion Merchandising with a minor in Business Administration (and I continued to hone my time management skills as Naari and Bobby discovered new activities and amusements to keep both Bob and me busy ferrying and, in his case, coaching). After graduation, I worked for Dillard's, a major retailer throughout the Midwest, as a Department Manager. In January 1997, Bob took a position in Boston. In looking for a home, we discovered southern New Hampshire where we wanted to live and raise our children. This time Bob's decision to change jobs was infectious, and I too realized that it was time for me to leave the retail industry behind and venture into new territory. I decided that the real estate business would offer me the best opportunity to use my time management and people skills, and in late 1997, I began working full-time as a realtor. The experience Bob and I had relocating from Korea to the United States and from state to state gave me an excellent understanding of the concerns and questions my clients have when they move to a new area.  My family and I have lived in New Hampshire now for eight years. My daughter, Naari, graduated from Londonderry High School and attends Manhattan College in New York City where she is a senior majoring in English. My son, drummer boy Bobby, just graduated from Londonderry High School, where he played basketball and lacrosse, and was a member of high school jazz ensemble. Now he is fulfilling his dream and is a freshman at Berklee College of Music in Boston. |  | | | Christmas 2005 | |
My life's travels have given me the ability to understand the needs of my clients who are moving, their concerns for neighborhood, for schools, for life styles. My commitment is truly to set the standard for quality service to you, the same service I would expect.
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First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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| Q |
According to Feng Shui, the art of home placement, what five elements are needed in a harmonious environment?
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| A |
Wood, fire, earth, metal and water must be balanced to create a happy, prosperous home. |
See More Real Estate Trivia > |
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