On-line shopping frustrations…

July 7, 2012

Recently my wife and I spent a few hours in several stores looking for a bed skirt (dust ruffle, if you prefer) with a 20” drop. We raised our bed so that our dog Sadie could crawl under it easier when she gets scared by fireworks or thunder.  So now we need a 20”-drop bed skirt. Try finding that in your general purpose stores like Walmart or Target or Kohl’s. They carry all sorts of standard 14” and 15” drop bed skirts for all sizes of beds, but not 20” drops.

Unlike many people who I know, I generally like shopping for things on-line. It’s really amazing how you can find even the most obscure stuff for sale somewhere by someone. Sometimes that can be a problem, especially since you have no idea if those someone’s are honest or not or whether they will actually deliver the product or stand behind it if it needed to be returned.  That’s where big, trusted aggregators’ sites like eBay and Amazon come in. They supposedly create a trusted shopping environment that takes care of things like payments and returns and disputes.

So, off I went on my on-line search for 20” drop bed skirts. Just type that into Google or Bing and you’ll get lots of responses. Many of the sites that popped up I the results didn’t really have bed skirts with 20” drops, just lots of regular bed skirts. That’s one drawback of the search engines – they don’t always do a good j0ob of filtering out things to match your exact search input. After some human filtering I found what looked like a good deal on what I was looking for on eBay. They had 20” drop bed skirts in the size that I need in stock and at a reasonable price.

I tried to buy the bed skirt, but had to end up abandoning the shopping cart (hear that eBay, another abandoned shopping cart) because the eBay shopping cart application insisted on not allowing me to check out unless I acknowledged that I had earlier set up an account with the same email address that I tried to use this time.  I vaguely recall signing up for an account many months ago, while trying to buy something else; but, I have long since forgotten what password I might have used. Besides that, I checked the box that said that I wanted to check out as a Guest and not using my account. I left and the bed skirt went un-purchased (hear that eBay bed skirt purveyor).

I suppose that I could have gone back and checked out as a Guest using another email address (like many people I’ve ended up with 3-4 email accounts), but the point was and is that eBay’s system is not customer friendly. If the app asked me on the way into the checkout process if I wanted to check out as a Guest, it should have allowed that, no matter what my email address. Had the shopping cart app even given me another chance to refuse to sign into my account and check out as a Guest, instead; I would have completed the purchase. But, because the eBay Shopping Cart app insists that I sign into an account that I really don’t need or care about any more and will not let me proceed unless I do; I will find my bed skirt elsewhere.

There’s a lesson in here for eBay and other on-line sites. You still need to provide a customer-centric shopping experience, not one that forces the customer to bend to your needs or rules. I appreciate that you have a record of my last visit in your database and that I might have even signed up for an account at some time in the past; however, this is now and I just wanted to get in and out and be done with this shopping trip as quickly and easily as possible (sort of like at a real store). If you keep throwing up a bunch of roadblocks just to meet your own needs; as they say in New Jersey – Furgetaboutit!

I get Website Magazine, because I’m a Webmaster myself for five informational sites (as opposed to the transactional sites that I’m writing about here). The latest issue talks about shopping cart abandonment as the biggest problem facing internet merchants. According to the story in Website Magazine 70% of shopping carts are abandoned before the transaction is completed. I wonder how many are abandoned for something as stupid as my experience with eBay. Have any of you had similar experiences you’d like to share?


Next up in Milford the Summer Palooza!

July 6, 2012

 

palooza in progress

What the heck is a palooza, anyway? According to the Urban Dictionary it is – an all-out crazy party; partying at one place with a ton of people like there’s no tomorrow. Let’s hope that’s true for Milford’s Summer Palooza. That place to party is the Milford downtown stretch on Main Street between Commerce and Liberty. July 13 thru July 15. This event started over 50 years ago out as a Sidewalk Sale and then grew, with the addition of entertainment and beer tents into Shop Rock and Stroll for several years. Now it’s the Summer Palooza! The event is presented by the Milford Business Association and the Milford Downtown Development Authority.

Shopping at the palooza runs from 10 a.m. to 9 p.m. on Friday and Saturday and from 11 a.m. to 4 p.m. on Sunday. In addition to the beer tent at the Main Street Grill and Tavern location, there will also be a Vegas tent, where patrons will have their choice of playing on six blackjack tables, three poker/Texas Hold ‘Em tables, one “Let it Ride” table, and one roulette table, among others. Funds raised at the Vegas tent will go to support a local charity.

The beer/food and Vegas tents will be open Friday and Saturday from 10 a.m. to midnight and Sunday from 11 a.m. to 4 p.m. Many of Milford’s downtown restaurants also offer dining on the village sidewalks, and there will also be live musical performances by several local bands

There will be also activities for children. Kids will be able to play on bouncers, as well as scale a rock climbing wall and dunk someone in a dunk tank.

Maybe I’ll see you at the Palooza. I only live two blocks from downtown Milford, so I can walk home. If you intend to party like there’s no tomorrow call Snowbird Drivers and arrange for a personal chauffer for the evening. They’ll be your designated driver for about ¼ of the cost of renting a limo for the evening and WAY below the cost of a DUI conviction.


Of self-proclaimed experts and coaches…

July 5, 2012

I have observed with interest and amusement lately as some of the people who I have encountered proclaim themselves to be experts on one thing or another. In many cases they point to absolutely no formal education or even training by any recognized institution, just a flash of self-actualization that has given them the confidence to proclaim that they can help others because of their new-found “expertise.”

Many of these people have started personal services businesses based around this expertise and have taken on the self-anointed title of “Coach” for whatever it is that they now feel is their life calling. Some are Health Coaches, some are Life Coaches; some proclaim themselves to be e-Marketing Coaches or Search Engine Optimization Coaches or Social Networking Coaches or maybe just Business Coaches. Almost none of them have college degrees in whatever it is that they are coaching and some may be inadvertently offering incorrect advice or potentially dangerous products out of ignorance of the field within which they have chosen to coach.

Now, I have nothing against someone with some proven and demonstrable skill or expertise trying to help someone else, even if they charge for it. However, I would like to see some proof of some level of education or training on the subject at hand. That education or training should also have more weight than some of the “certification” courses that I’ve seen in the real estate world. Someone who pays a couple of hundred bucks to sit through a day or two of classroom lectures that are mainly focused upon terminology and common sense advice should not be too prideful of the “Certified Whatever” that they are told they can use on their business cards  because they attended the course.

Many of these coaches stress their role as an accountability partner for the person being coached. They take responsibility for the role that your mother or father or spouse used to have – cajoling you to actually do what you committed to do. There is a value in that, I suppose. I’m as guilty as the next person of letting myself off the hook occasionally on commitments. So if you  just need someone to kick you in the behind to get you going, or keep you going, look for a coach.

I suppose that I could classify the mentoring that I do at the real estate office as a form of coaching; however, since real estate is a job with surprises and new learning experiences in every deal, I have never felt that I’ve had enough experiences in my 10+ years in the business to take on the self-proclaimed title of Coach. The role of Coach in a real estate brokerage is really vested in the Broker for that company and perhaps the senior office managers that are designated for each sales office. Maybe I could be an Assistant Coach in that setting.

Next time you meet one of these self-proclaimed coaches, maybe you  should ask them, “So, Coach, what degrees do you have in this field or what training have you been through to prepare you for this role?” A good follow-up line might be, “Explain to me the methodology that you use in your coaching approach to this field.” If “the school of hard knocks” is the primary source of the expertise being claimed by the Coach and the methodology is that you just sit and talk about it with the coach; think about whether that is what you really need or not. If they claim that they will be bugging the heck out of you to meet the commitments that you make with them, be honest with yourself about whether you need that and want that.

There are some really good, well-educated or trained coaches out there in many fields. Make sure you know what kind of coach you are getting before you sign up to be on his/her team.


Only a news segment…

July 4, 2012

Oops! The initial report that I got which said that Channel 2 The Fox Network was going to broadcast our parade has proven to be inaccurate. They are going to tape segments of the parade to be used on Fox 2 News tonight. Oh, well, some exposure is better than no exposure at all. So look for us on the news tonight on Channel 2.

This will be one of our bigger parades of the year, with over 70 entries. Lots of politicians will be out, which might add some hot air to an already warm day. Bring your umbrellas (to shield yourself from the sun; there’ll be no rain on the parade) and your bottled water to stay hydrated; but please don’t bring your dog downtown, it will be way too crowded and hot for them. You might want to bring a little bag for the kids to put candy into when they get it.

The theme of this year’s parade is “Milford, Our Little Slice of Heaven”; however, with the passing of Andy Griffith, I couldn’t help but think of Milford as our own little Mayberry. Andy patterned the Mayberry setting for his show about a small town Sheriff after his home town of Mounty Airy, SC; however, I’m sure that he would have immediately related to Milford in a similar way.

Enjoy the parade today!


We’re ready for our close-up Mr. Demille

July 3, 2012

We’ve received word that our Independence Day Parade in Milford, Michigan will be broadcast live by Channel 2, the Fox network. How exciting. The local stations pick a parade to cover every year, usually in bigger cities or towns, but this year Milford’s parade will get its chance to shine.

The Independence Day Parade down Main Street in Milford is about an pure a dose of Americana as one can get. There are lots of Brownie and Cub Scout troops, a few of the local dance studios, local church groups and civic groups from all over the area in the parade. This year there’ll be lots of politicians too, since it’s a big election year.

The kids like the candy that parade participants pass out and the Huron Valley State Bank always gives out ice cream bars, which everyone likes. There’s always a band or two, although it’s sometimes tough to get bands to march once school is out. And at the end there are the big, noisy fire engines with sirens blasting. The kids love that, too.

The parade steps off from in front of the Milford Museum at 11 AM. The Milford Historical Society organizes the parade every year with help from a crew of volunteers. You’ll notice them this year in their BRIGHT orange shirts emblazoned with “PARADE STAFF” front and rear.

The first 2-3 vehicles in the parade represent the Milford Historical Society, including a tractor from historic Crawford Farm south of town. The Presenting Sponsor – Feldman Automotive Group will have the next two slots. The other major automotive dealers in the area who helped sponsor the parade are Hines Park Ford and LaFontaine and they will have new car models in the parade. Look also for the Digital Document Store vehicle and for the entry from The Milford Laundry and Horse Blanket Headquarters.

Maybe you know someone who always wanted to come to the parade but just can’t. Let them know that they should be able to see it on Channel 2 live as it is happening. I’ll see you all on Wednesday.


Bits and Pieces…

July 2, 2012

Let’s start the week getting caught up with a bunch of little bits and pieces.

First, I didn’t win the Harley Davidson motorcycle that the Milford Historical Society raffled off this past weekend; although I believe that I sold the winning ticket.  Milford’s ex-Police Chief (retired) Wayne Walli won the Harley and I recall selling him at least one ticket at one of our local “Lunch in the Valley” gatherings. Congratulations Wayne! I guess I can return my leathers and helmet.

I’m looking forward to the Independence Day Parade this Wednesday. It should be one of the biggest ever. Election years bring out all of the politicians and there are a number of local races that have multiple candidates, so there’ll be lots of them this year. A special thanks to our parade sponsors – Milford Township and Feldman Automotive Group as Presenting Sponsors, plus Hines Park Ford, Veterinary Care Specialists, and LaFontaine Automotive as Key Sponsors and The Digital Document Store and Milford Laundry as Sponsors. Several individuals also contributed.

It’s been so hot lately that we’ve started taking our dog, Sadie, out to the Bark Park in the evening. Lots of people have come to same conclusion, so now the time to be there is between 7:30 and 9 PM. By then it’s cooled into the 80’s and there’s always a breeze at the Park. It’s still too hot for the dogs to do much running, but it’s good to get them outside for a while.

I’m starting to gear up for the September Home Tour and Milford Car Show. I’ll be looking for sponsors for those soon. They take place in the third weekend in September. To keep us all amused until then we have Summer Palooza coming up this month (it replaces Shop Rock and Stroll) and of course the biggie – the Milford Memories Festival in August.

I can’t be at either of the September events this year, because I’ve committed to attend my 50-year high school reunion. Wow, where did the time go? I literally left for college and never went back. This is actually the first reunion event that my high school class has ever held.  It should be fun to see people that I haven’t seen in those 50 years.

I got the flyer on the Road Millage ballot proposal last week. It just makes sense to vote for this millage and get the roads in the Village repaired/replaced and then maintained. I know that some just hate taxes so much that they vote against proposed tax; however, the roads aren’t going to fix themselves and many are in desperate need right now. You can only throw cold patch into the potholes for so long.

I heard recently of a proposal that is floating around to turn some of our paved streets back into unpaved, mainly because they can then be maintained with a road grader. Having driven some of our more notorious local roads in the winter, when the grader can’t be used, I certainly hope that this proposition doesn’t gain traction. Our winter freeze/thaw cycles turn many local unpaved roads into almost impassable, rut-filled obstacle courses. Of course that does hold down the speeds that concern some.

So here we are, stepping off into July, the second half of 2012. Let’s hope the rest of 2012 is as much fun as the first half. I’m sure it will be, because there’s always something to do around Milford. For a run down on all of the Upcoming Community Events, go to my Web site MoveToMilford.com. I’ll see you at the parade!


Local businesses step up to keep parade going

June 29, 2012

Independence Day in Milford, Michigan will be celebrated with a parade again this year, on the 4th of July. Lots of people just take for granted that the parades, festivals and other events in Milford will go on, not realizing how much work goes on behind the scenes to organize the parade or that there is considerable expense involved. All of the parades that take place in Milford are put on by organizations that are generally non-profit, mostly volunteer groups.

The three major parades are put on by the American Legion (the Memorial Day parade), the Milford Historical Society (the Independence Day parade) and the Chamber of Commerce (the Christmas parade). The smaller parades are conducted by groups like the local Little League(the parade of little league teams down Main Street) and Milford High School (the Homecoming parade). Then there are the events that close some Milford streets, like the upcoming Summer Palooza, the Farmers Market, the Milford Memories Festival and others.

For most of these events the Village of Milford supplies Department of Public Works (DPW) and Police support. The DWP workers put up the detour signs and place the traffic barriers (and later remove them), as well as doing some extra clean-up after events. The Village Police provide traffic and crowd control as needed. Some of the events, like the Memorial Day and Independence Day parades take place on official holidays; so, those workers get overtime to work on those events.

The Village of Milford used to provide the DPW and Police support without charging the event organizers. These are community events that are put on for the citizens to enjoy, so paying for them out of tax dollars made sense when times were good and money was available. The Village’s tax base dramatically shrank in the recent “Great Recession”, so two years ago the Village Council voted to restrict the Village’s “in-kind” contribution to these events to the first $500 of cost. They cost much more than that; especially since the union contracts that both groups work under give them double time for working on holidays.

So, each group that runs these events has had to turn to soliciting financial help through sponsorships from the local community and business groups and from the citizenry. I’m happy to report that in the case of the Independence Day parade there has been great response and the parade will go on. Major contributions were made by Milford Township and the Feldman Automotive Group (Liberty Chevrolet, Liberty Hyundai and Jay Chevrolet in our area). Key Sponsorship contributors include Hines Park Ford, Lafontaine Cadillac/Buick/GMC and Veterinary Care Specialists and VCS Pet Hospital. Sponsors include The Milford Laundry and The Digital Document Store in Milford. Several individuals also sent in contributions to support the parade.

So the Independence Day Parade will go on for another year and this year it is actually on the 4th of July.I hope to see you there. Please thank and support or sponsors if you get the chance.

Also, let the Milford Village Council know that you support these events. There has recently been a proposal by some on the Village Council to stop all in-kind support for future events. I believe that these events area big part of what makes Milford the great place to live that we all love. Let your voice be heard. Email a Village Council member and tell them that you want them to continue supporting our parades and festivals and other events. Click here for a link to the Village Council page on the Village of Milford Web site.


A local effort to help with a national problem…

June 27, 2012

I recently had lunch with a member of the Board of Directors of a local organization called Onward March. This is a group right here in the area (at 2655 Oakley Park Rd in Commerce, MI) that has taken upon the itself the mission of trying to help veterans who are returning from service in Iraq and Afghanistan (or elsewhere)  and need to transition back into civilian life. The biggest need is for jobs for these ex-soldiers, many of whom have great skills that they learned in the military and all of whom have been through life-changing experiences that force one to mature quickly.

One key idea behind this organization is that of helping many of these vets become entrepreneurs, to start small businesses of their own; businesses which hopefully will add to employment. The group supplies mentoring and coaching to help these budding business men and women get started and understand better how to function in the business world. There are also targeted placement services trying to match up vets with jobs in the community. Finally the group is running a business incubator at their facility which provides office space, infrastructure and coaching/mentoring for the start-up companies until they can get on their feet.

The problem of returning vets not being able to find work has become alarming, with approximately 248,000 recent veterans without jobs this summer. There are many cases right here in our own community. Organizations like the AmVets and VFW do what they can to help, but most of their efforts are focused upon short term needs like providing food and shelter. Only through programs that provide jobs will these bets get back on their feet in civilian life.

As a vet myself, I can recall the hostile environment that my generation of Viet Nam vets returned to in the 60’s and 70’s. You almost had to sneak back into town if you had been to Viet Nam, what with all of the anti-war protests and anti-military sentiment at the time. I was probably lucky not to be cashiered out right after I got back from Viet Nam and even luckier to have gone through OCS training and getting my commission. I left the Army at the rank of Captain and had just come off a good assignment teaching data processing systems analysis; so, I was able to get a job selling computers for Burroughs (a company that Ernie Harwell might say is lo-o-o-o-o-ng gone).

Today’s returning soldiers are at least greeted as returning heroes, but that doesn’t translate very often into an immediate job opportunity. Many of the vets getting out today have families, as we did back in the Viet Nam era. Some of the vets may suffer from war wounds, either seen or out of sight (or within).  From what I read elsewhere the country isn’t doing all that good of a job in providing care for those with war –related needs, so that just adds to the problem.

I don’t know if Onward March will be successful or not, but at least they are trying. You can read more about them at their web site www.onwardmarch.org . I’m sure that they could use more help (mentors and coaches and the like) and they certainly can use more money (there is a donation page on the site). With the 4th of July coming up, it’s probably a good time to remember that what we are celebrating on that day – Independence Day – go all the way back to the original founding fathers/soldiers that got this nation started.  So go to the Onward March site and check them out, then do what you can to help them out. We can’t solve this problem at a national level, but we can sure do something about it locally.


Seeing you seeing me…

June 26, 2012

Sometimes you can’t see yourself clearly until you see yourself through the eyes of others.” (Ellen DeGeneres) from my favorite daily blog – Jack’s Winning Words

The problem for many of us is probably actually being able to see ourselves through the eyes of others. That usually means that someone has taken the time (and risk) to tell you how they see you or something that you have said or done. Most of the time the kind of feedback that we need just goes unsaid and we don’t realize that something that we may have said or done was insensitive or at least not received as we intended. That can be particularly true in real estate where we really don’t have the kind of personal relationships with clients that would allow or encourage them to provide feedback on our behavior.

More than once in my real estate career I’ve heard back later, usually through a mutual acquaintance, that something that I did wasn’t well received by a client. Usually it had to do with appearing to be “pushing” the client to make a decision or seeming to be “taking the other side” in a deal. As I reflected back on those situations I can now see that what I thought was just trying to keep the dal moving along could have been perceived by the clients as pushing them. Real estate transactions are often full of emotions and being sensitive to the emotional needs of clients is something that I have to constantly work on, because it just doesn’t come as naturally to me as it should. I get wrapped up in the process details and lose site of the emotional side sometimes.

The other thing that gets in the way sometimes is logic. There are just lots and lots of places in a real estate deal where logic appears to be trumpeted – again by emotion. Sometimes I realize that I’m almost arguing with clients, especially young, first-time buyers, because I’ve taken the side of logic and they are coming from the emotional side. I have to step back and remind myself that I’m not playing a parental role in the deal, just an advisory role. I need to present them the facts and options without interjecting opinion, especially a parental sounding opinion.

So, as hard as it might be, it is good advice to try to step back every now and then and see yourself as others are seeing you. Sometimes you won’t like what you see, but then you have the opportunity to make corrections and be the person that you hoped you were. Here’s a little ditty to end these thoughts.

If I can understand how others see me,

Maybe I’ll become the person I’d like to be


Is it time to list your home?

June 25, 2012

Everything that you read about the real estate market these days seems positive; so, is it time to list your home? That still depends upon when you bought or what you did when you last re-financed the house and what you still owe on it.  The market has definitely switched over to a sellers’ market. That just means that there are fewer homes on the market than there are buyers out looking. Inventory is down and the pent up demand caused by the last few years of paralysis in the market is starting to manifest itself. Multiple offer situations are the norm right now on low-end houses and even nicer homes in the mid-range.  Sellers are getting at or sometimes above their asking price (if the house is priced to the market).

So, does that mean that you’ve re-gained all of the value lost in the “Great Recession?” No! Values dropped anywhere from 30-50%, depending upon the area. Those losses aren’t going to come roaring back in a few months. While we are seeing positive appreciation in some areas, in general the good news has been that value losses have slowed or stopped and some prices are even inching their way back up. Do the math on how long it will take to recover a 30% drop in value, if he appreciation rate settles in at the historic norm of 3% to 4% and you can see that it will take a decade or more to get back to the 2005/6/7 value levels.

Remember that even with multiple offers at or maybe even above asking price, the place still has to appraise for a value high enough to support the mortgage. That is currently one of our bigger challenges in the market. Appraisers are quicker to adjust than assessors and distressed sales (foreclosures and short sales) are declining dramatically as a percentage of total sales in most markets; so, the “comps” that they use will be a better reflection of the current market and values will not be as impacted by distressed sales. That’s good news. I suppose that you can take the fact that assessors have overshot the mark in the downward direction as good news too, since taxes will be lower longer as their upward adjustments will lag by a year.

The real question remains whether it’s time for you to list. The standard answer is “that depends.” Did you buy at the peak of the market? Did you re-finance at the peak and take the equity value out for other uses at that time? If you answered yes to either of those questions it’s still probably too early for you to consider listing (unless you had a big down payment when you bought and are willing to take some loss on that). Having a house that is now worth less than when you bought it is called being “underwater.” If you are underwater on your home and don’t have the cash to make up the difference a short sale may be your best option.

Many people aren’t really underwater on their homes. They don’t owe more than it’s currently worth. They just can’t let go of the “paper profit” that they thought they had when values were high. I run into many older homeowners who might have bought their home in the 60’s or 70’s for right around $100,000 and watched in delight as it increased in value to around $300,000 in the early 2000’s. Then things crashed; and now they are sitting in a home that might only be worth $170,000 to $200,000. In many cases these people were fiscally conservative and did not cash out equity with refinances; so , many of them owe relatively little on the house.  What they can’t let go of is that “$100,000 loss” that they just took on paper. Sometimes it’s because the value of their home was a big portion of the nest egg that they thought would fund their retirement. So, they are holding on and hoping that the value comes back soon. That’s just not going to happen soon.

The sad thing is that many of the retired folks who feel trapped in their homes would be just as well off to bite the bullet and sell now for what they can get and get on with life. There are so many a deferred dream of retirement that I hear that it’s a shame. That is unfortunately all too true for many Baby Boomers who did treat their McMansions like piggy banks, taking loans out for the boats and new cars and other toys along the way. They really are trapped in their homes and many did not plan well for retirement and have little in the way of funds to use to cover a shortfall at closing. For them a short sale may be the only way out.

For the rest of the would–be sellers in the market the answer remains that the value loss that you might take on the sale of your home will be made up partially or in total by the great value deals that you can get right now on a new home. That works best for those trying to move up in the market. You may be taking a $30,000 hit on your home, due to lost value; however, if you can buy a new home that has experienced a $100,000 loss in value, you are actually coming out ahead when things recover. It’s not so good if you are trying to downsize or maybe move from a house into a condo. You’ll still get a good deal, but you likely won’t make up all of your loss on the two transactions.

The best time to list your home is really more about your life needs. Do you want to retire and get on with life? Do you have to move to take a new job? Is your current home sucking all of your savings down with it?  Are you just tired of taking care of the yard and property? Do you want to move to be closer to family? Has your life situation changed dramatically and now your old home just doesn’t fit? All of those are good reasons to decide to list. You may have to take the course of pursuing a short sale and just get out from under the house.  You may even have to take money to the closing in order to sell.

It’s a good time to sell right now. The real question is whether selling at the current market value works for you. Talk to a real estate professional about your options and which might work best for you. Call or email me for an appointment to discuss your options. If you’d like to read about the short sale option, go to my web site www.MIShortSales.com and read through the FAQ section.  If you want to see what houses are selling for inthis are, go to my web site www.movetomilford.com and browse the data under the What have homes in this area sold for