Home Buying and Selling During the Pandemic: What You Need to Know

Technology and good-old-fashioned creativity are helping agents, buyers, and sellers abide by COVID-19 health and safety practices while getting deals done.

Some buyers are touring houses virtually. Others visit in person while remaining at least six feet from their agent. Sellers are hosting open houses on Facebook Live. Appraisers are doing drive-by valuations. Buyers are watching inspections via video call. Masked and gloved notaries are getting signatures on doorsteps.

“We have had to make some adjustments, for sure,” says Brian K. Henson, a REALTOR® with Atlanta Fine Homes / Sotheby’s International Realty in Alpharetta, Ga. “Everyone is trying to minimize face-to-face interactions. There have been some delays, but mostly, deals are getting done, just with tweaks.”

Here’s what home buying and selling during the pandemic looks like.

Showings Go Virtual

The rules around in-person showings vary by city, county, and state. Some allow them and some ban them. Check with your state, county, and local government to get the latest on business closures and shut-down rules.

Agents have conducted home tours via FaceTime and other similar tools for years. But these platforms have proven invaluable for home buying and selling during the pandemic. Real estate sites report a surge in the creation of 3D home tours. Redfin, a real estate brokerage, saw a 494% increase in requests for video home tours in March.

“I’ve done several FaceTime showings,” says Henson. He conducted virtual showings before COVID-19, too. He recently closed a deal on a home the buyers only saw on video, he says, but hasn’t yet done so during the pandemic.

In places where in-person showings are allowed, agents wipe down door handles, spray the lockbox with disinfectant, and open up the house, closets, everything for a client. “We leave all the lights on so no one touches switches, and we don’t touch cabinets or doors during showings,” Henson says.

Safe-Showing Guidelines

The NATIONAL ASSOCIATION OF REALTORS®, which produces HouseLogic, recommends only one buyer enter a home at a time, with 6 feet between each guest. NAR also recommends agents have potential buyers wash their hands, or use hand sanitizer when they come in the door. They should also remove their shoes. No children should be present at showings, either.

“We’re living in extraordinary times and unusual circumstances. If you have the ability to work, you have to be creative,” Mabél Guzmán, a Chicago real estate agent, told NBC News. Guzmán, who is also vice president of association affairs for NAR, has put together a video offering tips and strategies for virtual showings during the pandemic.

Down Payment Help

Many organizations offering down payment assistance to first-time home buyers have temporarily suspended the programs or changed the rules. You can check the status of programs in your area at the Down Payment Assistance Resource site.

Desktop, Drive-By Appraisals

Appraisers are essential workers in many areas, so home valuations are continuing. But often remotely. New, temporary rules from the Federal Housing Finance Authority allow drive-by and desktop appraisals for loans backed by the federal government.

In a desktop appraisal, the appraiser comes up with a home estimate based on tax records and multiple listing service information, without an in-person visit. For a drive-by, the appraiser only looks at the home’s exterior, in combination with a desktop appraisal. The Appraisal Foundation has put out guidelines for handling appraisals during the pandemic. Here’s the FAQ.

And here are specific new appraisal guidelines by agency:

On the other hand, some private lenders still require in-person appraisals, which are allowed even in areas with shutdown orders. Private lenders hold about 35% of first-lien mortgages, according to the Urban Institute

When appraisers come to your home, they should adhere to Centers for Disease Control guidelines, including wearing gloves and a face mask, keeping at least 6 feet apart from anyone in the home, and asking if the homeowners have been sick or traveled recently to a COVID-19 hotspot.

Inspections Via Live Video

Inspectors are now often working alone, no buyers in tow, and using hand sanitizer and alcohol wipes. The National Association of Certified Home Inspectors advises inspectors to videotape their inspection so clients can watch it at home later, or to use FaceTime or other live video chat apps to take their clients along on the inspection, virtually. They can also call clients with their findings after they’re done.

The American Society of Home Inspectors has also issued guidelines for inspectors so they keep themselves and the homeowners safe while providing an accurate assessment of a home’s condition.

Mortgage Rates and Locks

With mortgage rates fluctuating quickly and closing times taking longer than usual, some lenders are extending mortgage rate lock periods. You can grab a good rate and hang on to it even if your lender takes longer than usual to process your loan.

But the protocol depends on the lender and the loan. Some lenders are offering this for all loans; others for refis. Check with your lender about its policy.

Related: How to Get Home Financing

Employment Verification

An important step in getting a mortgage is proving the borrower has a job. In pre-coronavirus days, lenders called the borrower’s employer for a verbal verification.

The Federal Housing Finance Authority, which oversees Fannie Mae, Freddie Mac, and federal home loan banks, has relaxed the rules for loans backed by the federal government because so many businesses are closed.

Lenders for federally backed loans now accept an email from an employer, a recent year-to-date paystub, or a bank statement showing a recent payroll deposit as proof of employment.

Walk-throughs

Home buying and selling during the pandemic means real estate agents can conduct the final walk-through via video with their clients. Or they can just open the home and have buyers walk through on their own. Henson says he still accompanies his clients, but stays six feet away and has them wash their hands when entering and exiting the house. Everyone’s wearing masks, too.

And, of course, when the buyers take possession, they should disinfect.

Remote Notarization Depends On Where You Live

About one-half of states have permanent remote online notarization (RON) policies. These allow a notary and signer in different locations to sign electronic document, usually by use of video apps like Zoom or FaceTime. Notaries will watch you sign either a paper document or do an electronic signature on an e-doc, via camera.

Some states have rolled out temporary rules allowing RON. Here’s a state-by-state list of notary law updates, and the type of remote notarizations allowed. The number of states allowing remote notarization could grow as federal and state pandemic legislation expands.

Closings Get Creative

Traditional closings, where everybody gathered around a big table to sign the final papers, are no longer possible. Title companies and banks are getting super creative in dealing with the limitations.

A Minnesota company, Legacy Title, rolled out a drive-thru closing service at one of its offices in an old bank branch building. The title company rep sits in a bank teller window and handles the closing papers while the customer sits in their car. Legacy completed 14 closings in the first week it offered drive-thru service.

Then there are drive-by closings, where the entire transaction takes place in cars. Masked and gloved notaries meet buyers in parking lots and pass documents through car windows.

“I had a closing where the buyer sat in her car the whole time. The attorney came out to her car, gave her paperwork, had her sign in her car, and my buyer never got out of her car,” Birmingham, Ala., agent Isaac McDow told WBRC television.

Says Georgia-based agent Henson, “I’ve had closings the last three weeks [that] I’ve been asked not to attend. There was one where the seller signed two days before buyer. Then the seller came back two days later and signed.”

Henson, who is also licensed in New York, has had to extend closing dates on two sales there since. Co-op boards won’t let non-residents into buildings ­­­– not even an electrician who needs to make repairs as part of an issue that came up in the inspection. He left the closing with an open-ended date.

“It’s all about being really flexible right now,” he says.

TIP: Find out if your county recording office can complete the deal online.

Student Loan Relief

Finally, if you’re also trying to swing your student loan payments, know that federal student loan borrowers get an automatic six-month break in loan payments from April 10, 2020, through Sept. 3, 2020. Thanks to the Coronavirus Aid, Relief and Economic Security (CARES) Act, they also won’t be charged a dime of interest in that time.

Learn more at the Consumer Finance Protection Bureau’s site.

Keep in mind that payment suspension only applies to federal loans owned by the Department of Education. Some help may be available to borrowers with private student loans and other loans (like Perkins Loans and Federal Family Education Loans) that aren’t covered. But it’s not automatic. Reach out to your student loan servicer for information.

So, Should You Buy or Sell?

The real estate industry is creatively and safely responding to the situation, and mortgage rates remain low. Your agent is a great source of information about home buying and selling during the pandemic to help you feel comfortable. But, ultimately, it’s a question only you can answer.

Related: 5 Questions to Ask Your Agent When Buying a House

Coronavirus Mortgage Relief: What You Need To Know

Mortgage lenders, and the federal agencies that regulate lenders, are putting coronavirus mortgage relief measures in place to ensure homeowners have options if they’re unable to make payments.

Your first stop in the face of financial hardship is your lender or bank.

Just keep in mind lenders are working to figure out and implement the new mortgage relief polices outlined by the regulatory agencies. So you might read one thing from the FHFA, a federal regulator, but your bank might be doing something else.

In addition, due to the number of homeowners affected by the pandemic, lenders are dealing with a crush of calls and online queries. Be patient, persistent, and prepared to spend time on hold.  

Here are the resources you need now.

Your Mortgage

Federally Backed Mortgages
If you have a mortgage backed by Federal Housing Administration (FHA), Veteran’s Administration (VA), United States Department of Agriculture (USDA), Fannie Mae, or Freddie Mac, your loan servicer must offer you deferred or reduced mortgage payment options – called forbearance — for up to six months. This means you don’t have to pay your mortgage and you won’t be charged late fees, penalties, or interest while you can’t pay.

Loan servicers for FHA, Freddie, and Fannie must provide an additional six months of forbearance if you request it. 

Not sure who backs your own loan? Fannie Mae and Freddie Mac have loan look-up sites where you can find out who owns it, and how to get in touch with them.

In addition, here are direct links to some lenders and banks’ Covid-19 resources:

Mortgages Not Federally Backed
If your mortgage is one of the 5 million in the United States not backed by a federal entity, the Coronavirus Aid, Relief, and Economic Security (CARES) Act, which includes a coronavirus mortgage relief mandate, doesn’t apply. But regulators have encouraged those lenders to work with borrowers who can’t pay their mortgages, and most banks and other lenders are suspending mortgage payments or offering forbearance.

The level of relief you get will depend on who owns your loan. Contact your lender to find out what’s available.

Regardless of the type of loan you have, you must apply for coronavirus mortgage relief through their mortgage servicer. That’s the entity that collects your monthly payments and decides how long the assistance will last. When you reach your mortgage servicer, you’ll need to explain your situation and provide information about your income, expenses, and assets. 

TIP: If you’re an at-risk homeowner, this downloadable PDF will help you understand the sources you can approach for help.

Foreclosure and Evictions

Federal officials have imposed a nationwide halt to foreclosures and evictions for more than 36 million Americans with home mortgages backed by the FHA, Fannie Mae, and Freddie Mac.

The moratorium only affects borrowers with mortgages backed by Fannie Mae, Freddie Mac, FHA, VA, and RHS (Rural Housing Service loans through the USDA). This doesn’t apply to the roughly 35% of mortgages held in bank portfolios and private label securities. But some individual lenders are offering relief.

Some cities, counties, and states, including Delaware, Indiana, Kansas, Louisiana, New Hampshire, North Carolina and Texas, have placed a moratorium on foreclosures. Check with your city, county, and state governments. Find state-by-state tallies online.

Housing Counselors

Another tool in your relief toolbox are housing counselors. Counselors can provide independent advice on buying a home, renting, defaults, foreclosures, and credit issues. The U.S. Department of Housing and Urban Development’s look-up tool lets you can find counselors in your state.

Your Credit

The CARES Act forbids lenders from dinging your credit score for missed payments on federally backed mortgages and student loans during your forbearance period. The federal government is also encouraging private lenders to suspend reporting late payments on eligible mortgages. The Consumer Financial Protection Bureau has more advice about protecting your credit.

To keep close tabs on your credit, you can now obtain a free credit report from each of the three credit bureaus, Experian, Equifax, and TransUnion, every week for the next year through April 20, 2020. The companies ratcheted up their once-a-year allowance to help consumers “protect their financial health during the sudden and unprecedented hardship caused by COVID-19.”

Get all three reports in one spot: annualcreditreport.com.

Your Student Loan

The CARES Act includes immediate relief for those who can’t make their monthly payments on federally held loans due to coronavirus. All loan payments (both principal and interest) are suspended through Sept. 30, 2020, with no penalty. You don’t need to apply for this program or contact your lender. It’s automatic.

If you keep making payments, they’ll be applied entirely toward the principal. These suspended payments will count towards any student loan forgiveness already in effect.

Here’s a list of servicers — and their phone numbers — for loans backed by the U.S. Department of Education.

Some loans under the Federal Family Education Loan (FFEL) program and some Perkins Loans not owned by the Department of Education aren’t eligible for suspended payments. Nor are private student loans owned by banks, credit unions, schools, or other private entities. If you can’t make payments, contact your loan servicer to find out what options are available. Many are offering ways, like forbearance, to postpone payments.

Not sure who your servicer is? Look on your most recent statement and contact the servicer immediately.

If your student loan is already in default, the relief act immediately suspends wage garnishments or tax refund deductions. They’ll resume after the suspension ends.

Find out more about student loan relief at the Consumer Financial Protection Bureau

Your Taxes

The IRS has pushed back the deadline for filing and payment of federal taxes to July 15, 2020. Many states are following suit. Check with your state tax agency, or see this list from the American Institute of CPAs for details on deadlines.

Related: Tips to Get Filing Ready for (Delayed) Tax Deadline

Your Real Estate Transaction

If you’re going to be buying or selling a home in the near future, find out if your county recording office can complete the deal online.

In addition, more than half of states, many under emergency state directive, allow for remote online notarization of documents. This makes it safe and easy to complete real estate transactions under social distancing orders. The number of states allowing remote notarization could grow as pandemic legislation expands.

Your Appraisal

Fannie Mae and Freddie Mac have provided detailed appraisal alternative guidelines, so homeowners and appraisers can practice social distancing on Freddie and Fannie loans through May 17, 2020.

FHA, VA, and RHS are also allowing variations on the usual appraisal protocol. Check with your servicer for details.

Look Out For Scams

Fear breeds scams. And scammers are out in full force during the pandemic. Beware of third parties offering mortgage assistance and other help. Seek help from your lender directly.

For information on circulating scams, and guidance on identifying them, visit the Federal Trade Commission website.  

With additional reporting by Christina Hoffmann

How to Disinfect Your Home in the Time of Coronavirus

There’s everyday clean, guest clean, and then there’s COVID-19 clean.

To get down the absolute nitty gritty on how to disinfect your home, you’ll want your big guns: bleach, rubbing alcohol, and hot water.

The Best Disinfectants

For your high-touch surfaces, the Centers for Disease Control recommends a bleach solution diluted with water, or a 70% alcohol solution.

Follow this bleach recipe: 5 tablespoons (1/3 cup) bleach per gallon of water, or 4 teaspoons of bleach per quart of water.

Make sure to properly ventilate when disinfecting with bleach.

And check to see if your bleach has expired. Who knew it could? After about 9 months to a year, and if it smells less bleachy, it’s lost its disinfecting power. Time for a new jug.

Tip: Don’t mix bleach with anything other than water; otherwise, it could set off a dangerous chemical reaction. For instance, bleach + alcohol is a deadly combo.

How to disinfect your home if you don’t have bleach? Regular old rubbing alcohol (isopropyl alcohol or ethyl alcohol) works, so long as it’s at least 70% alcohol, according to the CDC. The alcohol concentration will be listed on the bottle. Rubbing alcohol you buy should already be diluted, unlike bleach.

Is There a Such a Thing as Too Much Disinfectant?

According to an EPA fact sheet, studies have found that using some disinfectant products can cause germs to become resistant.

The EPA has issued a list of disinfectants on the market that it believes are effective in killing COVID-19. Look for the EPA registration number on the product and check it against this list to ensure you have a match.

Erica Marie Hartman, an environmental microbiologist at Northwestern University in Evanston, Ill., whose research focuses on resistance, confirms soap, bleach, and alcohol are your best bets.

What about the various disinfecting wipes on the market (at least if you can find them)? Hartman says the active ingredient in many of those is an ammonium compound, which could become resistant to viruses over time.

Surfaces That Need Your Attention

With your preferred disinfectant, wipe down high-touch surfaces like doorknobs, light switches, tables, remotes, banisters, toilets, sinks, and faucets daily or more often, if someone in your home is sick.

Contact time is another key aspect of surface sanitizing. “Disinfection isn’t instantaneous,” says Hartman. [For a bleach solution], you want to leave it on the surface for 10 minutes before wiping it off. ” 

By the way, new research from scientists at the National Institutes of Health, among other agencies, shows that at least some coronavirus can live for up to 24 hours on cardboard and up to three days on plastic and stainless steel.

But a report in “The Washington Post” notes that the most likely period for infection from the virus on surfaces is in the first 10 minutes to one or two hours.

Not All Floors Can Handle Bleach

For your nonporous floors, like those in the bathroom, the CDC recommends mopping with the bleach solution. 

Avoid bleach on hardwood and other porous floors because of staining. Instead, use a disinfecting wet mop cloth without bleach.

Cleaning Isn’t Disinfecting

From the you-might-be-surprised files: Disinfecting with bleach isn’t actually cleaning. If you also need to clean your countertops of dirt and grime, do that first with soap and water. Then use the bleach solution or rubbing alcohol to combat the virus.

Killing Microbes on Clothes

Most washing machines today do a bang-up job on dirty clothes with cold water, which is best for energy savings. But, and especially if you have a sick person in your house, the hot-water setting followed by a high-heat dry for about a ½ hour to 45 minutes is best for virus eradication.

Don’t forget about your laundry hamper. Wipe it down like you would other surfaces. You can also use a reusable liner bag, which you can launder with the clothes.

What If I’m Selling My House, and Inviting More Germs In?

How to disinfect your home when it’s for sale? Virtual showings and tours are the ideal, and your agent can set those up.

However, if there’s a need to have someone come in, talk to your agent who will work with you to establish a hygienic protocol, including requiring visitors to wash hands with soap and water or use hand sanitizer when they arrive, and to remove shoes or wear booties before entering. Removing shoes not only reduces dirt coming in, but potentially germs.

In addition, many agents are eliminating open houses.

After any showings, practice your surface wipe-down routine.

Finally, when you work with disinfectants, practice some self care. “Alcohol and bleach can be very aggressive on your skin, so wearing rubber gloves can help protect your hands,” Hartman says. 

Related: 9 Cleaning Tasks That Homeowners Tend to Overlook


4 Bottom-Line Tips to Decide: What Is the Value of My Home?

Your home is more than just a bunch of rooms under a roof. It’s the space where you watched your daughter take her first steps, hosted Super Bowl parties, and celebrated holidays. Those memories are priceless. But when sell your house, the warm and fuzzies can’t factor into the question: What is the value of my home?

You aren’t selling your memories; you’re selling a house.

This is where an agent can help. You’re the one who will set your listing price, but your agent has the expertise and local knowledge to advise on how to price your house so it doesn’t languish on the market.

#1 Don’t Go High Out The Gate

You think your house is great. The problem is sellers often think their house is so great that they list at too high of a price and miss the window of sales opportunity that comes with a new listing.

“By listing too high, you lose your most important leverage and timing because it’s new,” says Ali Evans, an agent in Santa Barbara, Calif. “If you overprice it, you miss out on all those buyers.”

The longer your house sits on the market, the less likely you are to get your asking price. Because buyers expect there’s a deal to be made on a house that’s been on the market for months. 

“If something doesn’t move in the first 30 days or so, then people start thinking that they’re not going to be paying full price any longer,” Evans says.

Bottom line: Listen to your real estate agent about home value, because she knows how to price your home to sell fast. She’s looking at all of the comp prices and knows what the competition is like in your market. 

#2 Don’t Assume Upgrades Will Get You A Higher Price 

You renovated your kitchen after you watched too many episodes of Property Brothers. You looooove the way your reno turned out, because your kitchen is now stunningly modern, as kitchens on HGTV are. Everyone else will love it too, right? So you want to push up the listing price.

Don’t be so sure everyone else will pay big bucks for it, Evans says.

“Upgrades that are done in very specific taste can be tricky. Updates that are neutral are going to appeal to a lot of people will see more value,” she says. “But upgrades don’t always equal value.”

In fact, research from the NATIONAL ASSOCIATION OF REALTORS® shows you might recoup 59% of your costs, based on a national average, on a complete kitchen upgrade.

In other words, just because you put $65,000 into your kitchen renovation doesn’t mean you can list your home for an additional $65,000. Your agent can help you assess the market value of your upgrades and answer the big question, What is the value of my home?

Related: Kitchen Upgrades That Stand the Test of Time

#3 Don’t Set A Dollar Amount You Need To Make

Having an idea of what you want to earn from your house sale is fine, because you’re looking at your home as the giant investment that it is. But pricing your home so that you will make a certain amount of money is the wrong approach.

The number you have in your head may not be in line with the market. This is where doing research on the housing market comes in handy, as well as listening to your agent. 

“Make sure you understand the logic behind the price your agent suggests,” Evans says “It’s important to not be frustrated that it’s $20,000 below where you want to price it, and understand the thought process.”

Your agent will research the market to see what other houses in your area are selling for. He also knows the market, the inventory of houses for sale, and how your home compares to others in the area.

If you’ve listed the home too high, and you’re not getting any bites, don’t be afraid to do a price correction, Evans says. Lowering the price shows buyers you’re realistic and motivated. Adjusting the price is a key part of knowing how to price your home.

#4 Don’t Let Emotions Get The Best of You

For most people, selling a home is emotional. Whether you’ve lived in your house for four years or 40, you’re attached to it.  But it’s important to not let your emotions drive you to price your house for more than it’s worth. 

Listen to your agent on how to price your home. His cool-headed knowledge of the market and real estate inventory will be a wiser guide for pricing than your irrational love for the bay window in the living room, the restored hardwood floors, and the way the light shines in your beloved sunroom in the morning.

“Pricing can’t be an emotional thing,” Evans says. “It needs to be based on market analysis, which is why an outside perspective is important.”

When you ask yourself, ‘what is the value of my home,’ think with your head, more so than your heart.

5 Relationship-Saving Strategies For Any Couple Buying a House

Before you and your partner start sending each other links to the home of your dreams, have a few conversations about the home buying process.

A couple buying a house should talk about money, of course, but also about their expectations for their first home. Talking now will keep you productive, positive, and focused on finding the right house. It will also help you manage buying-a-house stress on your relationship.

OK, we’re about to get a little “Modern Love” here.

Related: Understand the Steps to Buying a Home

#1 Get On the Same Page About Expectations

No matter how connected you two are, there are still unspoken and undefined expectations between you. Especially when it comes to a couple buying a house. Buying can reveal relationship problems, because it’s the biggest financial transaction you’ll make, and there are a lot of emotions and expectations tied up in the idea of home.

Listen to your partner and commit to the idea that each person has a voice in every issue. “That would be my No. 1 principle,” says Donna R. Baptiste, a licensed marriage and family therapist, and professor at Northwestern University’s Family Institute. “Two people must respect each other’s right to have a say.”

How to start? Ask questions like:

  • Why do you want to buy a house?
  • What’s the most important thing to consider, in your opinion? 
  • How long do you want to live there?
  • Do you want something perfect or a fixer-upper?
  • What do you think our budget should be?

We also recommend filling out our first-time buyer’s worksheet, which will help you and your partner get on the same page — literally.

#2 Be Prepared to Back Down

Not every decision will be 50-50. Equal say is not always the standard,” Baptiste says.

But both of you should be willing to accept no for an answer. This prevents gridlock. And ceding some control makes the decision on which home to buy a shared one.

Consider the situation faced by work-from-home clothing designer Veronica Sheaffer and her husband, teacher Keith Dumbleton. They bought their prewar apartment on Chicago’s far North Side four years ago.

While scrolling through listings, Sheaffer fell for the property’s vintage millwork and spacious layout, but the building was 12 miles from the centrally located neighborhood they’d been living in. Sheaffer accepted the hours the new location would add to Dumbleton’s school commute could be a deal breaker. 

“I gave him the power of refusal and prepared myself for losing the place,” she says. Knowing that Sheaffer was conscious of the sacrifices he’d be making, Dumbleton agreed to move forward with making an offer. “Her being open to me saying no allowed me to make that decision, and I don’t regret it.”

#3 Do Scenario Planning

New homes have a way of changing life’s routines.

Does one of you take the dog out? If so, that beautiful sixth-floor walk-up may affect the dog caretaker’s mornings (and moods). Does one of you do most of the outdoor chores? How do you really feel about taking care of a massive lawn? That house that sits on top of a hill is gorgeous, and the views! But will you like hauling bags of groceries up the three flights of stairs to the front door?

“I ask a couple to have it sink in,” says Dan Sullivan, a REALTOR® at Compass in Chicago. “What is it going to physically be like living in that property, day in and day out?”

The more you think it over together, the happier you’ll both be after you move in.

#4 Ask An Expert

As a couple buying a house, you may be in full agreement or you may be at an impasse, but either way talk to a real estate agent and, as Baptiste recommends, “submit to the idea of getting good advice.”

A good agent is like a reference librarian and a personal coach in one. They can help you navigate the home buying process minutiae, like finding a good mortgage broker or dissecting the details of a home inspection.

An agent can give you the knowledge you need to make a wise decision. And she can pump you and your partner back up when your energy has ebbed because you’ve looked at 22 houses and not seen one worthy of an offer. Or you put in an offer and it fell through.

Leaning on a professional to offer perspective and help work through disappointment releases some buying-a-house stress on a relationship. “As much as possible, as early as possible, I try to get [couples] to see the big picture,” Sullivan says. 

#5 Recognize You’re a Team 

Involving an agent in the home buying process can have another unexpected outcome, says Sheaffer. It brought her and Dumbleton closer together.

Having the agent participate in discussions — and even occasionally disagreeing with her — “helped us [see] that we know each other, we know our lifestyle. Anything that will allow you to bond more with your partner is always positive.”

The agent got them to talk to each other about what they wanted and didn’t want in a house. It helped them hash out their likes and dislikes, constructively.

Instead of letting buying a house lead to relationship problems, turn the experience into a chance to learn and grow together. Talk. Listen. And get good advice from a smart agent. You’ll end up as homeowners — with an even better connection.

What’s not to love?

Paice, Abell y Daimler acuerdan licenciar la tecnología patentada

/COMUNICAE/

Paice y Daimler han llegado a un acuerdo para licenciar la tecnología híbrida patentada

Paice fue uno de los primeros líderes de los vehículos electrificados. La empresa obtuvo su primera patente de vehículo híbrido en 1994, mucho antes de que la mayoría de los fabricantes de automóviles comenzaran a centrarse seriamente en las formas de mejorar la eficiencia del combustible y reducir las emisiones. La tecnología de Paice demostró ser valiosa y ayudó a acelerar el crecimiento de la industria de los vehículos híbridos. Un análisis independiente concluyó que Paice es propietaria de las patentes de vehículos híbridos más dominantes en el mundo.

“Hemos llegado a varios acuerdos de licencia en los últimos dos años sin necesidad de litigar. Estos acuerdos tienen un impacto duradero en nuestra comunidad al apoyar las buenas obras de la Abell Foundation“, dijo el Presidente Ejecutivo de Paice, Frances Keenan.

Durante los primeros años de la compañía, Severinsky trabajó estrechamente con dos veteranos de la industria automotriz: Bob Templin, un miembro de la junta de Paice que había servido como ingeniero jefe de Cadillac y director técnico del Laboratorio de Investigación de GM; y Ted Louckes, un veterano de 40 años de General Motors que sirvió como Director de Operaciones de Paice y fue instrumental en el desarrollo de la tecnología híbrida de Paice junto con el Dr. Severinsky.

Acerca de Paice (www.paicehybrid.com)
El Dr. Alex Severinsky, un inmigrante ruso, fundó Paice en 1992 con el apoyo de la Universidad de Maryland. La compañía ha recibido 30 patentes estadounidenses y extranjeras. Tiene acuerdos de licencia con muchos de los principales fabricantes de automóviles del mundo.

Acerca de Abell Fundation(www.abell.org)
La Abell Fundation, una organización benéfica con sede en Baltimore dedicada a la lucha contra la pobreza urbana y a la promoción de objetivos sociales mediante la inversión en empresas locales progresistas, es copropietaria de las patentes de Paice. Desde 1999, Abell ha contribuido a apoyar los esfuerzos de Paice por desarrollar y promover su tecnología híbrida.

Para más información

Joyce Fitzpatrick ” joyce@fitzpatrickcomm.com ” (919) 247-4400

Fuente: Paice

Fuente Comunicae

Red satelital para servicios de emergencia en zonas remotas ante la Fase 3 de una pandemia: Globalstar

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Una línea confiable de comunicación es esencial entre funcionarios de seguridad y la base de operaciones en medio de una pandemia. Los servicios de red satelital aseguran la conectividad continua de mensajería y datos a través de una red clara y segura

Ante la fase 3 de la pandemia de Covid-19 en México, las autoridades han activado los protocolos de seguridad y salud para mitigar los efectos de esta etapa que se caracteriza por el rápido ascenso en el número de contagios diarios y de máxima transmisión. Esta situación de crisis humanitaria requiere la coordinación de múltiples departamentos y autoridades para desarrollar y aplicar las medidas de protección. Para alcanzar este nivel de organización, la conectividad es esencial para el funcionamiento de las estrategias dictadas por las instituciones internacionales y así hacer frente a la pandemia.

Personal médico y de seguridad tiene que trasladarse continuamente para aplicar los protocolos de seguridad ante la crisis de emergencia actual a zonas de difícil acceso dentro del territorio mexicano. Ellos necesitan de equipo especializado que permita la comunicación total en sus operaciones y que salvaguarde su seguridad, una conexión confiable con los funcionarios y la base de operaciones es absolutamente esencial.

Los servicios de red satelital son una alternativa que asegura la comunicación confiable de mensajería y datos a través de una red excepcionalmente clara, segura y que conecta dispositivos en ubicaciones más allá de la cobertura celular. Las redes de satélite se construyen independientemente de la infraestructura local y, como resultado, suelen ser las únicas redes de comunicaciones confiables y operables disponibles.

“Hoy más que nunca, las organizaciones necesitan tecnología que permita agilizar las operaciones conectando personas a través de sus dispositivos desde cualquier lugar, y que proporcione seguridad personal y continua comunicación. Globalstar entiende lo importante que es atender esta necesidad en nuestros días y por ello se necesitan soluciones que resguarden la vida de las personas” explica Javier Pinilla, Director Comercial.

La importancia de las empresas en telecomunicaciones, se ha convertido en extremo necesario, por ejemplo; Globalstar ofrece servicios y equipos que utilizan tecnología satelital sin la necesidad de acceso a redes celulares. Esto garantiza el acceso a redes de comunicaciones operativas con los equipos en campo y las bases de operaciones en todo momento. Los satélites de esta compañía proporcionan operabilidad en todo el mundo conectando a los usuarios en áreas donde las redes tradicionales no son confiables o no están disponibles. Ante una situación de emergencia, la tecnología de sus equipos de la línea SPOT brinda un servicio confiable y asequible basado en rastreo de ubicaciones, mensajería y un botón de S.O.S para atender cualquier situación que requiera asistencia, resguardando la seguridad de las personas.

Al estar conectados a la red satelital, los dispositivos IoT de Globalstar pueden recopilar grandes cantidades de datos que ofrecen información valiosa a las organizaciones. La recolección de datos históricos sobre el recorrido de unidades puede ayudar a identificar rutas más eficientes y seguras para el personal médico y de seguridad, a optimizar recursos y a realizar ajustes en las estrategias de los centros de operaciones para mejorar su productividad.

Los servicios de conectividad son esenciales en la fase de prevención y mitigación de una pandemia, y también son fundamentales en la fase de salida de la crisis ya que la infraestructura también beneficia a industrias importantes como energía, transporte, logística, marítima a que impulsen y desarrollen el tejido productivo y la integración regional. Globalstar ofrece en sus dispositivos y soluciones digitales apoyo en diversas áreas de la actividad productiva, que además de contribuir a la reducción de la brecha digital, también contribuye directamente a la mejora de la calidad de vida de las personas.

Sobre Globalstar
Globalstar es un proveedor líder de soluciones IoT satelitales personalizables para clientes de todo el mundo en industrias como petróleo y gas, transporte, gestión de emergencias, gobierno, recreación marítima y al aire libre. Pionero de los servicios móviles de voz y datos satelitales, Globalstar permite a las empresas agilizar las operaciones conectando a las personas a sus dispositivos, brindando seguridad y comunicación personal y automatizando los datos para monitorear y administrar más fácilmente los activos móviles a través de la red satelital Globalstar. La cartera de productos IoT comerciales de la compañía incluye los productos de seguimiento de activos SmartOne aclamados por la industria, los transmisores satelitales Simplex y la línea de productos SPOT® de seguridad personal, activos y dispositivos de comunicación, todos compatibles con SPOT My Globalstar, una sólida solución de back office basada en la nube. Completan el conjunto de productos satelitales los módems de datos satelitales Dúplex, el innovador punto de acceso Wi-Fi satelital Sat-Fi2®, con todas las soluciones de productos que ofrecen una variedad de planes de servicios de datos. Obtenga más información en Globalstar.com.

Fuente Comunicae

CIDP tiene listos sus próximos programas, pensados en la potencialización de los directivos de las empresas

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Dos diplomados que marcan un antes y un después en la estrategia de los directivos de las organizaciones. CIDP Business School busca apoyar e impulsar a las empresas, con la implementación de diferentes enfoques directivos frente a la contingencia sanitaria y estructurar modelos empresariales para afrontar situaciones de adversidad económica

Capital Institute Direction Programs Business School, que por sus siglas en inglés se abrevia CIDP Business School, es una escuela de negocios enfocada a una causa; luchar a favor del derecho de todas las personas a desarrollar mejores organizaciones para el mundo, cambiando los paradigmas tradicionales de la formación directiva, por ello, se orienta en los lÍderes, directores y empresarios que residen en la Ciudad de México.

En la actualidad la coyuntura económica, desencadenada por la pandemia sanitaria del COVID-19; ha estremecido el mundo empresarial gestando un cambio en la cultura organizacional, situación nunca antes vista. Por ello, CIDP Business School reconfiguró sus dos diplomados presenciales de la mano de expertos y especialistas en temas de dirección y en la ejecución de estrategias empresariales, los cuales brindan una bocanada de aire fresco a los directores y/o empresarios bajo dos estructuras formativas que mas adelante abordaremos.

Los negocios y el mundo empresarial, contienen diferentes referentes en sus directivas, sin embargo, en la mayoría de los casos solo sucede en grandes organizaciones que representan el tres por ciento de las empresas mexicanas, mientras que el noventa y siete por ciento son MIPYMES (micro, pequeñas y medianas empresas), estás necesitan el poder abordar un enfoque empresarial con una dirección más estratégica, debido a que los directivos y/o empresarios están enfocados en la operación del día a día, situación que no permite tener claridad en la visión empresarial y de negocio, limitando el crecimiento, el desarrollo y la movilidad de sus compañías. Por lo mismo, es importante contar con detonadores en las MIPYMES, espacios en donde puedan aprender, compartir experiencias y transformar sus organizaciones de la mano de los grandes referentes empresariales, es ahí, en donde CIDP Business School se vuelve el principal aliado de las organizaciones del hoy, que buscan perdurar en el mañana.

Los diplomados directivos de CIDP Business School, son:

DID (DIPLOMADO EN DIRECCIÓN)
Este tiene como objetivo preparar a los nuevos directores y/o empresarios en el funcionamiento corporativo de las organizaciones, a través de materiales, conversaciones con diversos directores y una metodología para establecer una “estrategia diferenciada y una estructura operativa sólida”, la cual contará con la evaluación pertinente y será presentado ante un panel de directivos.

El cuerpo de mentores de este diplomado esta compuesto por:

  • Susana Saénz Arelle – Conductora del programa “Ganadores y Perdedores” de El Financiero Bloomberg, brinda herramientas a los nuevos directores que son necesarias para lograr una comunicación asertiva con su equipo de trabajo.
  • José Luis Oliveros – Fundador y Director General de GlobalWin, experto en temas comerciales, en repetidas ocasiones su Dirección Comercial ha sido el marco de referencia en empresas trasnacionales por su conocimiento inigualable.
  • Gabriela Laborie – Developing Account Manager en Ocesa, experta en la creación de valor que representa una marca, comparte su conocimiento en el desarrollo de herramientas directivas, sobre el posicionamiento top of mind del consumidor.
  • Carlos Hosoya – Fundador y Director General de Leadenfy, especialista en la ejecución y formación de consejos directivos.

DIDE (DIPLOMADO EN DIRECCION ESTRATÉGICA)

Este diplomado fue desarrollado para acelerar y potencializar la transformación de los participantes, directores generales y/o empresarios, creando un espacio en donde se puedan obtener diferentes ópticas empresariales para enfrentar los retos actuales. Por lo tanto, el objetivo es incrementar la vitalidad y competitividad de las empresas, sentando las bases para una mejor dirección y perspectiva de las mismas.

Este diplomado a diferencia del DID, es necesario que los participantes deban contar con una experiencia mínima de 5 años en posiciones directivas. El Diplomado en Dirección Estratégica se encuentra focalizado en brindar las herramientas directivas necesaria para el funcionamiento de empresas con un enfoque superior con los integrantes de la cadena de valor, el medio ambiente y la sostenibilidad, cambiando las organizaciones de los participantes, volviéndolas en el referente empresarial del mañana.

Los mentores especialistas de este diplomado son:

  • Marcus Dantus – Fundador y Director General de Startup México, conferencista internacional en temas de emprendimiento e innovación es mentor del módulo: Estrategias de Innovación.
  • Luis Miguel Vilatela – Director General de Valora Consultores, Miembro del Consejo de Administración de Aleatica y Miembro del Consejo de Crédito de HSBC, especialista en el análisis directivo, su experiencia en consejos de administración lo vuelven un pilar de la estrategia empresarial.
  • Ricardo Enriquez Duarte – Fundador y Director de GIFT Group, experto en aceleración y unión de Millennials, Gen Zers y Líderes, enfocado a brindar a las organizaciones una cultura de alto rendimiento.
  • Héctor Garza – Socio de Ritch Muller SC, experto en temas de riesgos legales y ambientales, compartirá como mitigar los riesgos y establecer estructuras de contingencia empresarial.

En CIDP es posible aprender de los mejores expertos y referentes en sus sectores empresariales, acerca de estrategias en:

  • Innovación.
  • Sostenibilidad.
  • Comercialización Responsable.
  • Engagement.
  • Planes de Sucesión.
  • Manejo de Riesgos.
  • Digitalización Empresarial
  • Estructuración de la Estrategia.
  • Consolidación Directiva.
  • Liderazgo.

Los diplomados de CIDP no solo brindan herramientas directivas y de estrategia, son toda una experiencia formativa empresarial, repletos de grandes aprendizajes y experiencias, lo que brinda a los participantes perspectivas diferenciadoras, permitiéndoles perfeccionar la estrategia y ejecución directiva. Todo ello, se lleva acabo en el club de negocios más relevante de la Ciudad de México, el exclusivo Club 51, ubicado en la Torre Mayor.

Sin duda una nueva forma de compartir el conocimiento de la mano de grandes mentores empresariales en un solo sitio. Para aquellos líderes, directivos y empresarios que buscan detonar su potencial, retando los paradigmas en un entorno de alto rendimiento, pueden encontrar mayor información en: http://www.cidp.education o escribiendo al siguiente correo electrónico para formar parte de los grandes lideres empresariales a: andrea@rpmluxurybrands.com.mx

CIDP Business School

“Transformando organizaciones, desarrollando líderes”.

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Fuente Comunicae

Monos roban muestras de sangre de pacientes con Covid-19

INDIA.- Un grupo de monos en India atacó a un funcionario médico y le arrebató muestras de sangre de pacientes que dieron positivo por Covid-19, informaron medios locales.

Los hechos ocurrieron en la localidad de Meerut, cerca de Delhi, cuando un técnico de laboratorio caminaba por el campus de una facultad de medicina estatal, llevando consigo unas muestras de sangre de personas positivas al nuevo coronavirus.

Por un momento, el hombre del personal médico descuidó las pruebas y los monos, que buscaban comida, aprovecharon la oportunidad para tomar las pruebas de sangre, situación que puso en grave riesgo a la zona residencial a la que los monos se dirigían.

“Los monos agarraron las muestras de sangre de cuatro pacientes con Covid-19 que están en tratamiento y huyeron (…), tuvimos que tomar nuevamente las muestras”, dijo el doctor SK Garg, funcionario de alto rango de la universidad.

Más tarde, la Facultad de Medicina de Meerut informó a medios locales que las muestras, contenidas en cajas, fueron recuperadas posteriormente, sin presentar daño alguno y descartaron algún tipo de propagación del virus.

Los monos han causado afectaciones en la India durante la cuarentena por coronavirus, ambientalistas afirman que la destrucción de su hábitat natural es la razón principal por la que los animales van a zonas urbanas en busca de alimento.

Hasta ahora, India registra 165 mil 799 casos de coronavirus y 4 mil 706 muertes.

AMX/TIV

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Perrito muere el mismo día que su dueño; su historia se vuelve viral

ESTADOS UNIDOS.- Muchas han sido las historias que hemos conocido de la gran amistad que puede existir entre los humanos y sus lomitos, como la de Hachiko, un perro de raza akita, recordado por esperar a su amo, el profesor Hidesaburō Ueno, en la estación de Shibuya incluso varios años después de la muerte de este.

Y recientemente, se viralizó otra historia parecida. Sucedió en Estados Unidos, donde el perrito labrador Gunner y su dueño Daniel Hove, demostraron su unión, incluso en la muerte, pues los amigos murieron con una hora de diferencia. 

Daniel era un miembro de la Fuerza Aérea de los Estados Unidos y en sus últimos años activo fue bombero. En 2011 le detectaron un cáncer de páncreas y aunque recibir esa noticia fue muy duro para él, Hove tuvo la suerte de contar con su familia y su inseparable y leal amigo Gunner, quien no lo abandonó ni en sus sesiones de quimioterapia.

“Cuando mi papá se agitaba, el perro se agitaba, si mi papá estaba inquieto, el perro estaba inquieto. Mi papá no respondía y Gunner tampoco. Cuando observamos que Gunner no se movía mucho supimos que se acercaba –su muerte–”, comentó Nicoletti, hija de Hove, al canal de TV Kare 11.

El pasado 18 de mayo, la familia notó que Grunner ya no se movía de su camita y decidieron llevarlo al veterinario. Desafortunadamente, el especialista les recomendó dormirlo para que dejara de sufrir, pues al parecer el padecimiento no tenía cura. Y así tuvieron que hacerlo.

Sorpresivamente, una hora y media después de que su amigo dejara este mundo, Daniel Hove también murió, demostrando que él y Gunner eran más inseparables de lo que las personas pensaban.

La historia de inmediato se volvió viral en redes sociales. Acá te dejamos las imágenes de estos grandes amigos:

AMX/TIV

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