• Welcome / This Week's Special Offer
• Gary's Real Estate Seminars
• Homebuying Question
• Homeselling Question
• Investing or Financing Question
• Hot Properties: New Listings BEFORE They Hit The Market
• Thank You For Your Referrals

Welcome To The Latest Issue
We’ve got a few seats left for tomorrow’s seminar, ““How to Invest in Real Estate with Your IRA or 401K” ”. I’d love to see you there, so go ahead and Click to Reserve Your Free Seat for yourself and a friend.

…With our 314 homes sold in 2009, that makes 1,063 homes sold and families moved in the past 5 years. Thank you for your business and referrals!

…Making your 2010 real estate plans? Be aware the federal capital gains rate of 15% “sunsets” on 1/1/11 and is scheduled to rise to 20%. This is obviously not a tax-cutting congress, plus Obama has said he wants to see the rate go to 20% or 25%

…Have you or a friend signed up yet for one or more of my free seminars coming early next year?

• Saturday, January 16th, 10am-noon TOMORROW
  “How to Invest in Real Estate with Your IRA or 401K”



• Saturday, January 30th, 10am-noon
  “How to Short Sale Your Home or Rental”



• Saturday, January 30th, 1-3pm
  “How to Improve Your Credit & Buy A Home”



• Saturday, February 6th, 10am-noon
  “How to Buy a Foreclosure or Short Sale in San Diego”



• Saturday, February 13th, 10am-noon NEW SEMINAR!
  “How to Sell Your Home For Top Dollar in 2010”

…Did you see the LaDanian Tomlinson video shot 3 years ago for a Nike commercial that never aired? Yes, it’s real…

…This Week’s Crazy Building: “The UFO House” in Sanjhih, Taiwan.

…Follow me on Twitter or become a Facebook Fan.

Quick Real Estate Tip #24
What's your home worth? Visiting open houses could give you an inflated idea because those are just list prices, not sold prices.

Top 10 Cities With Lowest Unemployment Rates
As of September 2009:

Rank------Rate-------Metro
1.--------- 4.9% ------Omaha-Council Bluffs, NE-IA
2.--------- 5.4% ------Provo-Orem, UT
3.--------- 5.6% ------Madison, WI
4.--------- 5.9% ------Little Rock-North Little Rock-Conway, AR
5.--------- 6.0% ------Salt Lake City, UT
6.--------- 6.0% ------Oklahoma City, OK
7.--------- 6.1% ------Des Moines-West Des Moines, IA
8.--------- 6.1% ------Washington-Arlington-Alexandria, DC-VA-WV
9.--------- 6.2% ------Ogden-Clearfield, UT
10.------- 6.2% ------Honolulu, HI

Find Out The Value Of Your Home Or Rental Property FREE — Right Over The Phone
Considering selling? Now you can quickly, easily find out today's value of your home or other San Diego County real estate, right over the phone. Call and tell me about your property. I’ll research the market and arrive at an honest, realistic price you can expect to get in today’s market. Need a more accurate figure? Ask me to come by. For your free over-the-phone or in person evaluation, just call me at (858)457-KENT. Please tell a friend…

Join Our "Preferred Client Group" For The Best Values
I find great real estate deals every week. But too often we cant match a client in time and someone else scoops it up. (My bank-clients wont let me buy their properties, or I'd be my best client!)

So I developed my Private Client Group, a select group of people serious, qualified, and ready to grab a great deal on a home or investment when -- or before -- it hits the market.

If you'd like to be in the Preferred Client Group, you need to:

1. Pre-approve with our approved lender
2. Come in for a short sit-down counseling session
3. Commit to work with us

To join and get the jump on the best real estate values in town, call us at (858)457-KENT or email us at PCG@GaryKent.com.

Check Out Our Foreclosure Hot-List!
Want to buy a foreclosure, but can’t find a website to search for them? Finally…check out our 100% BRAND-NEW website: www.Foreclosure-Hotlist.com. It’s 2.5 years in the making (OK, so we were a little slow), but it’s well worth it. Let me know what you think.

FREE MLS Online Search For A San Diego or Riverside Home
To search for a home right now, click here: Free MLS Homesearch.

This Week’s Free Offer:
FREE DVD: How To Sell Your Home & Buy Another
There's 5 ways to coordinate buying a home while selling your old one. One is best. Another's a recipe for disaster. Discover the pro's and con's of each + smart buying & selling tips. This DVD is a must if you're making a move in the next 12 months. You'll learn:

- Which of the 5 strategies works best for YOUR needs
- Don't be forced to give your home away for a quick sale
- The $5,000-$50,000 trap in the small print most people overlook
- Pricing to get top $$ for your home (it’s not what you think!)
- The HUGE MISTAKE agents make when juggling 2 closings
- Find out what your home will REALLY sell for in today's market
- How NOT to get stuck paying mortgages on 2 homes
- When is the very best time to list your home?
- Avoid being the "contingent buyer" sellers hate to sell to

Call (800)748-1340 to have this sent to you FREE via mail. Call 24 hours / 7 days a week; free recorded message. It should arrive at your home within 72 hours.

Send This Free Newsletter To A Friend
Subscribe them with a quick email to TellAFriend@GaryKent.com with their email address in the subject line.

Remember to email your questions, comments, compliments, corrections, critiques, &
rebuttals to Questions@GaryKent.com.

Five different free seminars for you, family, &/or a friend to attend:

“How to Invest in Real Estate with Your IRA or 401K”

“How to Short Sale Your Home or Rental”

“How to Improve Your Credit & Buy A Home”

“How to Buy a Foreclosure or Short Sale in San Diego”

“How to Sell Your Home For Top Dollar in 2010”

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NEW FREE Seminar
"How To Buy Investment Real Estate With Your IRA or 401K"
UTC Mall – Saturday, January 16th, 10am-Noon
Click for Seminar Flyer / Click to Reserve Your Free Seat

When you attend, you'll discover:

• Invest as little as $50,000...or up to tens of millions of dollars
• 5 simple easy-to-follow steps to get started buying real estate
• Tired of low returns or ugly losses in your retirement account?
• If your IRA buys a rental house, are you allowed to manage it?
• How to make money tax-free/deferred in your retirement plan
• How fast & easy it is to buy real estate in your IRA, 401K, etc.
• You may be surprised at what kind of real estate you can buy
• My experiences buying and selling real estate in my own IRA
• Can you buy from or sell real estate to your own IRA/401K?
• Why hasn’t your stockbroker told you about this before?
• “Partnering” with your own IRA...a little-used technique
• Real estate as a major hedge against coming inflation
• How your retirement account can borrow to buy more
• Do THIS & your retirement plan will UNRAVEL (bad!)
• Simple rule-of thumb to analyze cash flow & return
• Take advantage of historic low real estate values
• You’ll laugh when you hear what I told my CPA
• How to write your offer-to-purchase correctly
• How to partner with your family and friends
• Why you need to know “disqualified person”
• Buy your future retirement home NOW
• Buy for “fix & flip” or rental income.
• Bring your questions!

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FREE Seminar
“How To Short Sale Your Home Or Rental”
UTC Mall – Saturday: January 30th 2010, 10am-Noon
Click for Seminar Flyer / Click to Reserve Your Free Seat

When you attend, you'll discover the truth about:

• Short sales, clearly & simply explained!
• Are YOU likely to qualify for a short sale?
• Can you really do short sale with -0- out of YOUR pocket?
• How long short sales take...& how to cut the time in HALF**
• Tax impacts of short sale vs. foreclosure (verify w/ your CPA!)
• The document your attorney must read closely to avoid problems
• Your 7 options if you owe too much. Most agents only tell you 3.
• Which “hardships” qualify you for a short sale? Which don’t?
• The specific clause you need in your contract with the buyer
• Do you need to be CURRENT on HOA dues? Property taxes?
• Do you need to be BEHIND on your mortgage payments?
• If an agent does THIS, they likely don’t know short sales
• 5 reasons a short sale is usually better than foreclosure
• THE most important thing to have to do a short sale
• Impact & how long is a short sale be on your credit?
• How soon can you buy a home after a short sale?
• Will a short sale delay or prevent foreclosure?
• Can your lender go after you for their loss?
• Should you spend $ to fix up your home?

NEW FREE Seminar
"HOW TO IMPROVE YOUR CREDIT & BUY A HOME"
UTC Mall – Saturday: January 30th 2010, 1pm-3pm
Click for Seminar Flyer / Click to Reserve Your Free Seat

When you attend, you'll discover:

• How do I get my score as high as possible?
• What information is used to create my credit score?
• How does my FICO impact my interest rate & down payment?
• If I make all my payments on time, will I have perfect credit?
• What if I don't have any credit at all, how do I get started?
• My scores are really low, what should I do?
• I gave up on my credit long ago. Can I ever buy a home? (Yes!)
• Why you MUST pay your parking tickets
• Why you should almost NEVER pay off a collection debt
• How paying off your credit cards monthly may HURT your credit
• How long will a bankruptcy affect my credit?
• Will multiple parties checking my credit knock down my FICO?
• What really is a Credit Score?
• How to qualify for higher loan amounts
• How much must I raise my credit to get a better home loan?
• Lower closing costs & less paperwork when getting a mortgage
• Should you close unused credit cards?
• Why you should lease or borrow to buy a car.
• Components of a Credit Score

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FREE Seminar
"HOW TO BUY A FORECLOSURE OR SHORT SALE IN SAN DIEGO"
UTC Mall – Saturday, February 6th, 10AM-Noon
Click for Seminar Flyer / Click to Reserve Your Free Seat

When you attend, you'll learn the truth about:

• - With 12% of U.S. mortgages are behind, is there a new wave of Alt-A, Option ARM, & Prime foreclosures coming?
• - Bailouts, loan “mods”, shadow inventory...what’s really going on?
• - How to beat multiple offers & get the bank to accept YOUR offer
• - When homebuyers can put 3% down and investors 10% down
• - Top San Diego neighborhoods with the best REO deals today
• - How to get banks to pay EVERY PENNY of your closing costs
• - Should you buy before home prices climb out of your reach?
• - Auction tricks, traps, and pitfalls that I swear will shock you
• - How to cut in half the time it takes to close your short sale
• - Seller doesn’t have THIS? Don’t even offer on a short sale
• - Free email access to undervalued & foreclosed properties
• - Short sales...5 things to know before you make an offer
• - The #1 mistake people make when offering on an REO
• - Traps in the small-print that banks make you sign
• - New website where you can find foreclosures
• - The truth about a home that’s a “short sale”
• - How much banks negotiate off their price
• - What to watch out for in an REO
• - Much more

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FREE Seminar
"HOW TO SELL YOUR HOME FOR TOP DOLLAR IN 2010"
UTC Mall – Saturday, February 13th, 10am-Noon
Click for Seminar Flyer / Click to Reserve Your Free Seat

When you attend, you'll discover:

• - Market forecast: What’s you can expect in 2010
• - “Value Range Pricing” explained...can it get you a higher price?
• - How to tell if a broker is honest…or B.S.ing you to sign a listing
• - Find out how much higher your buyer will pay—this only works half the time, but when it does…!
• - This one document can protect you & make your sale smoother …and why 99% of agents don’t use it
• - Price your home to get more offers & more money in less time (it’s the opposite of what people think)
• - The oldest real estate agent trick in the book—don’t be fooled
• - How some agents sabotage their clients & cost them $1,000's
• - Avoid the common trap of paying 3 times for the same repair!
• - 3 likely reasons your sale may fall thru & how to avoid them
• - The truth: why it’s 100% irrelevant which company you hire
• - Creatively turn your home’s biggest drawback into a benefit
• - Sell your home tax-free after 2 years using IRS Code 121
• - 10 Interview questions so you choose the best Realtor
• - How to handle multiple offers so you get the most $$
• - Spend peanuts & boost your home value by $1,000s
• - Should you—and CAN you—sell your home “as is”?
• - How to REALLY know if your buyer is qualified
• - 5 dumb avoidable mistakes sellers make
• - When is the best time to list your home?
• - How to stay out of court & not get sued

"Hello Gary. My wife and I see your name everywhere. Question- We're looking for a home for our daughter. Do you recommend buying a home at a probate sale?"

Answer:
First, some info...

A probate sale occurs when someone passes away without a living trust naming a willing, ready, and able party to handle the estate's affairs. So the probate court supervises the sale of the real estate.

When that happens, an "executor" (a person named in the decedent's will or selected by the court to represent the estate) often obtains full "IAEA powers" and handles the sale much like any normal sale.

Without full IAEA powers, the sale is subject to court approval and overbid 30-60 days AFTER the estate and a prospective buyer have signed a tentative purchase contract. The sale may be confirmed by the judge in court without event, or there could be an fast-paced exciting auction and bidding in the courtroom.

If there is an auction, the first overbid must be 5% + $500 more than the original "accepted" offer. Further increments are set at the judge's discretion.

Many probate properties sell slightly under market due to the 30+ day wait, the 10% non-refundable deposit, and the fact that no contingencies (financing, inspections, etc.) are usually allowed.

Others sell at or even above market value due to the "auction effect"-- many people just get excited at an auction and overpay.

So, FINALLY, my answer to your question:

I recommend being open to buying a probate property if you see one, but not investing your time to find one unless you're very flexible on property characteristics and location, plus ready to invest months looking and going to probate court hearings.

"Hi Gary. We’re selling our home and my wife wants to use her friend, who just got her license and only works part-time as an agent. The friend even said she’d give us a break on the fee, but I know there’s way too much involved to use a rookie and I want to use a good full-time agent like you…"

Answer:
Common misconception: "A license is a license. All agents do the same thing. What's the difference?"

First, a QUESTION: Which profession studies the LEAST for their license:

1. attorney
2. hair stylist
3. real estate agent.

If you guessed #3 you're right. Scary.

I don't know about you, but I'd rather have a whole bad hair WEEK than lose $10,000 on a home sale, have it cancel, or end up in court because my agent screwed something up.

What about you?

And let me share just one real-life example...

Awhile back a very nice agent brought an offer on a home I had listed. During escrow, he realized he'd forgotten to ask for the washer and dryer. When my seller refused to include them, he kept saying we were trying to "sucker punch" him. To him, us complying with the contract that he himself wrote was a "sucker punch". Hmmm.

And things like this happen all the time. Is that the service you want?

My advice is to use a skilled, full-time, successful "professional" real estate agent. (No amateurs!)

"My bank has contacted me about doing a loan modification. My home is worth about $350,000?, but my loan is over $500,000. Do you think I should do it or just let the house go?"

Answer:
This is a tough call.

The moral argument is that you agreed to the mortgage, so you should keep your end of the bargain.

There’s another argument that you and the bank both agreed to the mortgage, and there is a provision that if you don’t pay, then they foreclose.

Given that it will likely take you many years to dig yourself out from being so upside down, accepting the loan modification may not be the best move financially.

Instead of just letting the house go, call me and I should be able to tell you if you’ll qualify for a short sale. You can reach me at 858-457-KENT.

THIS WEEK'S FEATURED PROPERTY!
	Nice Home In Pacific Beach BR/BA: 2/2 Sqft: 1,400 Price: $554,900
– Pacific Beach – Foreclosure! Pacific Beach home w/ large sunroom! Enjoy a quick walk to Kate Session Park! Offers 2-car garage, sunny living room w/ fireplace, nice hardwood flooring, large patio & more! View Details

Coming Soon
(Be first to know when these come available!)

New – Bankers Hill / Uptown – Foreclosure! Dramatic 1-level condo w/ great views in prestigious “Brittany Towers” on Laurel. Contact Me
3BR/2BA, 1866 sqft
Loaned to 820K >>> To be hi 600s?
– Carmel Valley – Foreclosure! Gorgeous townhome in gated “Trilogy”. 2-car garage, FPL, granite, travertine, more. Contact Me
3BR/2BA, 1628 sqft
Recently appraised @ ??? >>> To be 400s?
– Carmel Valley – Foreclosure! Upper end “East Bluff” condo overlooking greenbelt. 2-car garage, interior laundry, FPL. Contact Me
2BR/2BA, 942 sqft
Loaned to 390K >>> To be 200s?
– Chula Vista – Foreclosure! Upgraded condo w/ 1BR downstairs. Ideal first home or cashflow rental. Contact Me
3BR/2BA, 1296 sqft
Last sold @ 354K >>> To be mid-100s?
– Chula Vista – Foreclosure! Cute house w/ hardwood floors, 2-car garage, nice yard, in great Hilltop neighborhood. Contact Me
3BR/2BA, 1444 sqft
Last sold @ 516K >>> To be low/mid 200s?
– Chula Vista – Foreclosure! Enjoy southerly views, designer pool/spa, & more from this spacious 2-story home. Contact Me
4BR/2.5BA, 2394 sqft
Last sold @ 665K >>> To be 400s?
– Chula Vista / Eastlake – Foreclosure! Spectacular 5-year-new home w/ mahogany flooring, granite, slate, family room. Contact Me
5BR/3.5BA, 2382 sqft
Last sold @ 524K >>> To be high-300s?
– Chula Vista / Eastlake – Foreclosure! Affordable “Eastlake Shores” house w/ 2-car garage, nice yard. Contact Me
2BR/2BA, 1012 sqft
Last sold @ 470K >>> To be mid-200s?
– Clairemont – Short Sale! West Clairemont next to Bay Ho. Handsome mid-century home w/ big yard and 2-car garage. Contact Me
3BR/2BA, 1144sqft
Loans to 535K >>> To be 400K?
– Clairemont – Foreclosure! Handsome 1975-built 2-story “Mount Street” home on .26 acres, culdesac, sunroom, nice yard. Contact Me
5BR/2.5BA, 2259sqft
Last sold @ $639,500 >>> To be high 400s?
– Encanto – Foreclosure! Great townhome on culdesac in Meadow Run. Offers 2-car garage, bright kitchen, nice backyard. Contact Me
4BR/2.5BA, 1771 sqft
Recently loaned to 465K >>> To be low 200s?
– Encanto – Foreclosure! 1984-built 1-story home w/ 2-car garage. Oversize 7578 sqft lot. Contact Me
2BR/2BA, 1341 sqft
Recently loaned to 459K >>> To be low 200s?
– Encanto – Foreclosure! Spacious 2-story 1984-built home on quiet street. 2-car garage, nice yard. Contact Me
4BR/3BA, 2088 sqft
Recently loaned to 510K >>> To be high 200s?
– Lakeside – Foreclosure! Spacious 2BR view home on 1.14 acres. Needs some fixup. Built 1974. Contact Me
2BR/2BA, 1351 sqft
Loaned to 360K >>>To be 200s?
– Lakeside – Foreclosure! Dirt-cheap condo ideal for investor or first-time homeowner. Contact Me
2BR/1BA, 728 sqft
Appraised @ 131K+ >>> To be in the 80s?
– Logan Heights – Foreclosure! Affordable 1-story home in urban area, 5 minutes to Petco Park. Great rental or 1st home. Contact Me
2BR/1BA, 1011 sqft
Foreclosed at 398K >>> To be high 100s?
– Logan Heights – Foreclosure! Two units on a 7000 sqft lot w/ alley access, just east of downtown. Contact Me
3/1 + 2/1 duplex
Last sold @ 635K >>> To be mid 200s?
– Nestor – Foreclosure! Ranch-style home w/ 2-car garage, fireplace, good-size backyard. Contact Me
3BR/2BA, 1152 sqft
Last sold @ 395K >>> Price TBD
– Nestor – Foreclosure! Gorgeous 2-story “Ocean Hills” home w/ views, 3-car garage, vaulted ceilings. Contact Me
5BR/2.5BA, 2353 sqft
Last sold @ 585K >>> Price TBD
– Oceanside – Foreclosure! 2004-built Summit Village condo. Minutes to beach, pier, & village. Gated + security garage. Contact Me
3BR/2BA, 1416 sqft
Last sold @ 515K >>> To be high 300s?
– Oceanside – Foreclosure! Luxury end unit townhome w/ attached 2-car garage, vaulted ceilings, many extras. Contact Me
4BR/2BA, 1837 sqft
Loaned to 427,5K >>> To be very high 200s?
– Pacific Beach / Mission Beach– Foreclosure! Mission Beach view condo w/ 2-car garage, walk to beach/bay, quaint 4-unit complex. Contact Me
2BR/2BA, 955 sqft
Last sold @ 420,862 >>> Price TBD
– Rancho Bernardo – Foreclosure! Handsome 2-story home in Chateau Bernardo. Breathtaking panoramic views, 3-car garage. Contact Me
5BR/3BA, 3179 sqft
Last sold @ $789,000 >>> Price TBD
– San Carlos – Foreclosure! Affordable “Carefree” condo w/ only one common wall. Walk to Mission Trails Park! Contact Me
2BR/1BA, 880 sqft
Last sold @ 253,500 >>> To be 100s?
– San Marcos – Foreclosure! Affordable "Lake Park Villas" townhome. Near Restaurant Row & multiplex. Contact Me
2BR/1.5BA, 957 sqft
Last sold @ $221,500 >>> To be very low 100s?
– Spring Valley – Foreclosure! Two detached 3BR houses w/ 2car garage, yard, both inside laundry. Live in one + rent other. Contact Me
3BR/2BA + 3BR/1BA
Last sold 642K >>> To be hi 200s??
New – Tierrasanta – Foreclosure! Sharp 1989-built 2-story house next to Villa Norte Park. BR & full BA downstairs. Contact Me
4BR/3BA, 1858 sqft
Loaned to 689K >>> To be hi 500s?
– University City – Foreclosure! Very affordable 1-level home in prime UC area w/ great schools. Quick 805 & 52 access. Contact Me
3BR/2BA, 1476 sqft
Loans to 547K >>> Around 500K?
– Vista – Foreclosure! Attractive 1-story 1970s home on quiet street near Vista High. 2-car garage, nice yard. Contact Me
4BR/2BA, 1400 sqft
Loaned to $337,500 >>> To be high 200s?
– Vista – Foreclosure! 2-story mountain view home on large lot. pool. Sparkling pool, 2-car garage. Contact Me
3BR/1.5BA, 2424 sqft
Last sold @ $600,000 >>> Price TBD

NEWLY LISTED (Your Property Here!)

Under-priced beach house w/ private backyard, California room, 2-car garage.

2 Bed, 2 Bath 1400 Sqft Price: $554,900 Last sold @ 700K

MORE GREAT HOMES & INVESTMENTS (Your Home Here!)

Extreme fixer w/ pool & 2-car garage. For contractor or sophisticated buyer. Cash only due to poor condition.

3 Bed, 1 Bath 1032 Sqft Price: $295,000

Light/bright, well-maintained townhome in quiet complex. Walk to shopping. Quick 805, 163 access.

2 Bed, 1.5 Bath 960 Sqft Price: $244,000

Little Italy penthouse unit w/ sweeping city & bay views. Offers extensive patio, stainless steel appliances, more.

1 Bed, 2 Bath 1199 Sqft Price: $695,000 Sold @ $1,550,000

Gorgeous “Hard Rock” condo-hotel suite in the Gaslamp Quarter. “Rock Royalty” service & full hotel amenities.

1 Bed, 1 Bath 459 Sqft Price: $489,000! Last sold @ 589K

City Heights bungalow-style house built 1924, but renovated 1974. More info to follow.

4 Bed, 2.5 Bath 2006 Sqft Price: $236,900 Loaned to 537K

Well-maintained “Olive Hills” home on quiet street. Offers mountain views, sharp kitchen, FPL, big family room.

4 Bed, 2 Bath 1,904 Sqft Price: $335,000-$365,000

Fantastic custom home w/ front courtyard, private & secluded area, pool + covered patio, views!

3 Bed, 3.5 Bath 2317 Sqft Price: $461,900 Last sold @ 663K

Delightful single-level home w/ many upgrades, sweeping ocean views from most rooms, large lot.

3 Bed, 2 Bath 2,107Sqft Price: $1.195M Previously appraised @ 1.44M

High-end remodeled luxury home w/ spectacular ocean and coastline views! Granite, marble, hardwood bamboo, etc

3 Bed, 2 Bath 2188 Sqft Price: $1.7M to $1.9M

“Creekside” condo offers remodeled kitchen w/ granite, FPL, oversize balcony, more.

1 Bed, 1 Bath 772 Sqft Price: 101K Last sold @ 265K

5-year-new “Scala” in Mission Valley. Near Qualcomm, shopping, dining, movies.

3 Bed, 3 Bath 1589 Sqft Price: $475K

Remodeled 1-level beachfront penthouse condo w/ panoramic whitewater ocean, beach, sunset views!

2 Bed, 2 Bath 1000 Sqft Price: $1,099,000

Brand new 2009 construction, re-built virtually from the ground up. Extreme high quality: granite, etc.

4 Bed, 2 Bath 1680 Sqft Price: $368,000

Due to production and shipping expense, free items are available only to residents, owners, and people planning to purchase real estate in San Diego.

This free e-newsletter tells you how to be more successful with your real estate transactions. You receive it because you subscribed, entered your email address at my site(s), or were referred. By reading it, you agree you: 1) understand this is opinion & not advice; 2) will seek professional tax, legal, and real estate advice; 3) are solely responsible for use of content, 4) hold Gary Kent, Gary Kent Homes & Estates, Kent & Associates Inc., and RE/MAX Associates harmless. Questions may be paraphrased for clarity/brevity. Disregard this email if you have a listing or buyer-broker agreement.

Copyright 2010 Gary Kent, All Rights Reserved.