NEW LISTING! PRICED FOR QUICK SALE! 7109 PORTO PLACE $104,900
	7109 PORTO PLACE Fayetteville, NC 28314 Great family/Bachelor/Bachelorette/Starter home. The home features 3 Bedroom, 2 Bath, spacious living rm, w/ eat in kitchen. Fenced back yard w/ above ground pool as well as outside storage. HVAC less than 4 years. Convenient to everything! Call Patty Herrera for more info 910-476-4267. View more information about this listing. Interior Features: Appliances Central Air Dining Room Family Room Fireplace Main Floor Bathroom Main Floor Bedroom   Exterior Features: Deck/Patio Shed/Barn Swimming Pool     Patty Herrera Broker Direct: 910-476-4267 pattylr@nc.rr.com www.ask4patty.com
Copyright © 2012 Patty Herrera. All rights reserved.

Great Kings grant location in Pine Forest school district!

Lease - Single Family/ Two Story 5724 Cherrystone Rd fayetteville, NC 28311 $1,350 Deposit: 1350.00 4 Bedrooms 2.5 Baths 2000 square feet Status: Available Additional photos Available: 10-1-11 Lease Term: one year Great Kings grant location in Pine Forest school district! Home features an eat in kitchen, formal dinning room and hardwood dloors downstairs. Also a large wood deck with a screened in 3 seasons porch. Master suite features walk in closet his and hers sinks, garden tub and seperate shower. Large bonus room that could be a forth bedroom! A must see! You can also join the kings grant country club for ammenities like Pool, golf and fitness. Schools: Howard Hall Elementary Pine Forest Middle and High School Pet Policy: We require a $300.00 pet deposit with $200.00 of this being refundable at the end of the lease on the first pet. There is also a $100.00 per additional pet that is refundable as well at the end of the lease. Allowing pets in the home is at the owner’s discretion. We do not allow any animals that appear on the dangerous breed list! Membership is not included in the rent! please check out this link for all the details on them. Additional Property Information • Subdivision: Kings Grant • Single Family/ Two Story style • Attached Home • Multilevel (2 floors) • Year built: 1997 • 4 total bedroom(s) • 2.5 total bath(s) • 2000 sq. ft. • Gas Range • Garbage Disposal • Fenced • Fireplace • Automatic Garage Door • Garage - 2 Car • Inside Laundry Hookups • Microwave • Dishwasher • Central Air Conditioning • Central Heating • Ceiling Fan(s) • Eat-in Kitchen • Master Bathroom • Formal Dining Room • Family Room • Refrigerator • Electric Range The information at this site is provided solely for informational purposes and does not constitute an offer to sell, rent, or advertise real estate outside the state in which the owner of the site is licensed. The owner is not making any warranties or representations concerning any of these properties including their availability. Information at this site is deemed reliable but not guaranteed and should be independently verified.

©2011 L.R. Property Management. All rights reserved.   L.R. Property Management 581 Executive Place Suite 200 Fayetteville, NC 28305 Tel: 910-221-0342

Why You Need Renters Insurance

Your stuff isn't protected by your landlord's policy, so make sure you have the coverage you need.

By Cameron Huddleston, Contributing Editor, Kiplinger.com

October 11, 2011

Just because you're renting your apartment or home doesn't mean you're off the hook when it comes to insurance. Your landlord's property insurance policy will cover the building if disaster strikes, but it won't cover your belongings. That's why you need renters insurance.

This affordable insurance -- a policy costs less than $200 a year, on average -- covers renters against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods), according to the Insurance Information Institute (III). If your home is damaged by a covered event and you have to live somewhere else, most policies will reimburse you the difference between your additional living expenses and normal living expenses. Plus, renters insurance helps cover legal costs if you're taken to court because someone is injured at your home.

If you don't have a policy -- 57% of renters don't -- here's a checklist from III to help you choose the right coverage:

Figure out how much coverage you need for your possessions. Create a home inventory to determine the value of all of your belongings (furniture, electronics, clothing, jewelry, etc.). A replacement-cost policy will pay to replace your possessions (up to the policy's dollar limit), whereas a cash-value policy will pay only what the items are worth when stolen or damaged. Expect to pay about 10% more for replacement-cost coverage. If you have expensive jewelry, collectibles or art, consider adding a floater to your policy to provide more coverage. Standard policies offer only a limited amount of coverage for these items. You'll need receipts or appraisals for items to be covered by the floater.

Understand the deductible. The deductible is the amount you'll pay out of pocket before insurance kicks in. The larger the deductible, the lower your premium. So if you can afford a $1,000 deductible, you'll cut your premium by as much as 25%, according to III. But considering how inexpensive renters insurance is, the savings might not be worth the large amount you'll have to fork over to pay a high deductible.

Know what disasters are covered. Although losses from fires, lightning, windstorms, theft, vandalism, explosions and certain types of water damage are covered, standard policies don't cover floods or earthquakes. You can get flood insurance through the federal government's National Flood Insurance Program, and check with your insurer about getting separate earthquake policy.

Make sure you get enough liability coverage. Most policies provide at least $100,000 of liability coverage (if someone sues you) and about $1,000 to $5,000 worth of medical payments coverage (which allows someone who gets hurt on your property to submit medical bills to your insurance company). If you need more than $300,000 worth of liability coverage, consider getting an umbrella policy for an additional $150 to $300 a year for $1 million worth of coverage (see Why You Need an Umbrella Policy).

Be aware of limits on living-expense reimbursements. Although most policies will help renters pay for living expenses if they have to live elsewhere as a result of property damage, insurers will either limit the amount of time they'll provide coverage or place a cap on the amount that they'll pay.

Ask about discounts. Many insurance companies offer a variety of discounts. For example, you might have to pay less if you have a security system, smoke detectors and deadbolt locks. Insurers also offer discounts to customers who have multiple policies with them, have good credit or are 55 or older. So be sure to ask about ways to lower your premium.
You can compare costs for different policies at Web sites such as NetQuote.com and InsWeb.com. If you have a roommate, ask whether the insurer will allow you to purchase a single policy for both of you (then you can split the cost).

Read more: http://www.kiplinger.com/columns/kiptips/archives/why-you-need-renters-insurance.html#ixzz1bEdbdCaR
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I bought my dream retirement home -- cheap!

Taking advantage of today's beaten down home prices and record-low rates, baby boomers are buying their dream retirement homes -- years before leaving the workforce.

Fortunate enough to take advantage of today's beaten down home prices and record-low interest rates, some baby boomers are buying their dream retirement homes -- years before leaving the workforce.


"We're seeing people purchasing homes five, six, seven years or more ahead of retirement," said William Filbin, a Re/Max broker in Marco Island, Fla.

It's an opportunity that's hard to resist: Home prices nationwide are down 32% from their mid-2006 peak, according to the S&P/Case-Shiller home price index. Meanwhile, mortgage rates are at historic lows with the 30-year fixed-rate hovering around 4.2%.

The question is: What to do with the property when you have so many years to kill before retirement?

To help cover the expenses of an extra mortgage and other bills -- like utilities and property taxes -- some pre-retirees are renting their homes out on long-term leases; others who bought in vacation hot spots rent to vacationers, said Mike Sannes, a Keller Williams broker with Big Bear Real Estate in San Bernardino County, Calif.

It doesn't always cover all the costs, but it helps.


By Les Christie - Last updated September 19 2011: 8:01 AM ET