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From
the Desk of Ron
Restaino,
Broker/Owner
We are happy to report that improved consumer confidence combined
with near historic low mortgage interest rates is fueling a residential
real estate market resurgence not only in our area, but in many major
metropolitan areas across the country. This is good for everyone. From
job transferees looking to get to their next city, to retirees looking
to get to a warmer climate, most people on the move are finding the
process much easier than at any time since 2005.
With some homeowners remaining on the sidelines, demand by buyers
trying to take advantage of sub-4% interest rates is outstripping
supply. The result: Prices are reacting to the imbalance. The good news
for those who have been stuck in place for the past six to eight years:
Many previously underwater equity homes no longer are. Many people are
now finding they can sell at a high enough price to get clear of that
old mortgage and even take some equity with them. And if you can do it
now, you can take advantage of super low fixed interest rates on your
new home which will contribute greatly to improving your monthly cash
flow and your ability to save for retirement.
How do you find out if the time is right for you? Call Restaino
& Associates today for a free, up to the minute market valuation on
your current home. We'll not only let you know how much you'll get for
your current home in today's market, but can also show you everything
listed for sale by every member company of the Multiple Listing
Service. No cost – no obligation. It's your move. At Restaino &
Associates, we're here to make sure it's a good one.
Ron Restaino
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A Message From The Banking
Industry
Getting a mortgage has turned into a much more involved process than
ever before. For all potential mortgage applicants, there is no
shortage of considerations at hand. Regardless of one's income level
and credit rating, questions arise. Fixed rate or variable? Bi-weekly
payments? Balloon payments? There is also the increased documentation
that has become standard and wider reaching as one's situation becomes
more complicated with business ownership, k-1’s and even real estate
losses or self employed individuals.
For high net worth individuals, mortgages are a hot topic these days,
as increasing numbers of affluent Americans are looking to leverage
free and clear assets. They're not necessarily taking on leverage
because they need to borrow; rather, they're often simply using debt to
pursue investment opportunities. There's a renewed sense of optimism
slowly emerging. With rates as low as they are, good opportunities are
often too hard to pass up.
With the right guidance, one can make the most of that opportunity.
Certainly, having considerable assets opens high net worth individuals
to a multitude of opportunities. That's when turning to their trusted
wealth professional or Private Banker for advice, guidance and
expertise is more important than ever. Having access to a customized
lending platform that will meet their unique financial needs is
critical, whether buying a second home, or leveraging assets to make
another investment.
To take full advantage of lower rates, and fully leverage a strong
balance sheet, you will want to make sure your wealth advisor has the
right products to make the most of the opportunity. Do they offer
lending products secured by marketable securities? Are JUMBO mortgages
available? What about Home Equity Lines of Credit? Can they come up
with terms that can meet the terms of your investment, your unique cash
flow and balance sheet characteristics?
So, talk to your wealth professional and make sure he or she fully
understands your needs and can help you make the most of any
mortgage-related decisions you may be facing.
Guy Stratton is Vice President,
BMO Private Bank.
BMO Private Bank is a brand name
used in the United States by BMO Harris Bank N.A. Member FDIC. Not all
products and services are available in every state and/or location.
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Restaino
Relocation Team
Pictured left to right:
Nadya Nahirniak-Hansen,
Relocation
Director
Miki Smith,
Relocation Consultant
Gail Johnson,
Corporate Relocation
Manager
1-800-637-1178
1-608-395-3103
A Leading Global Relocation
Division Assisting Candidates, Transferees and Families Moving
In and
Out of the Madison Area
Restaino
& Associates Relocation Division is a vital
resource for
your
recruitment and relocation needs. Our dedicated team prides itself on
assisting your recruitment efforts to acquire world class talent to
grow your company.
We partner
with you to provide customized and comprehensive relocation services
for
your candidates, transferee and families moving in and out of the area.
Let us assist your recruitment efforts offering our relocation services
at no charge to you or your candidates.
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Free Community Welcome Packets
We
are
delighted to mail you a welcome community packet that is filled with
extensive information to familiarize you to Madison and the surrounding
communities. It contains extensive information on cultural events,
recreational activities, maps, biking trails, state parks, magazines,
school information, day-care and other highlights.
A Children’s
packet is filled
with school information and facts, Dane County School comparison
reports, our award-winning Children’s Museum, the local free Henry
Vilas Zoo, fun activities and more!
Our
Comprehensive Relocation Services Include:
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Personalized
Relocation Guidance
Adjusting to a new community takes time. Our relocation professionals
can provide families with answers to their questions before and after
they move.
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Area
Orientation Tours
From neighborhood communities, schools, downtown, the arts and
recreational facilities we can set up the best tour to give you a taste
of living in the Madison and surrounding area.
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Customized
Community Packets
Our community welcome packets contain extensive information on area
schools, daycare, cultural events, recreational activities and other
highlights of Madison and the surrounding areas.
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School
Reports/Information
Our website offers the "Schools E-guide" program which provides
thorough reports and comparisons of any and all schools in Wisconsin.
Once you find a fit, our Relocation Team will also assist in setting up
school interviews and tours.
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Partner
Career Assistance
Our Relocation team can help the transition for spouses by offering
tours and connecting them to our innovative Resume Network system which
puts your resume in the hands of key area corporations that we partner
with.
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Expert
Home Buying/Selling
Our dedicated relocation team is here to help you find your home and
assist you through the entire process.
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Rental
Assistance
The professionals in our Relocation Division are equipped to find the
best possible rental options, whether apartment, a condominium, a
duplex or a single family home, based on the candidate’s criteria.
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Seniors
On The Move
As seniors begin to start
planning their transition to retirement
living our dedicated relocation team is delighted to assist to reduce
the stress and help orchestrate the entire process at no extra costs.
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International
Services
Moving locally or
state-to-state can be challenging enough, let alone
moving to a different Country. Our professionals will assist with the
coordination of your social security needs, driver’s licensing, banking
options and more.
You sell the job while we sell
the community!
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Save the Date: Book
Sales!
Cross
Plains-Rosemary Garfoot Pubic Library
2107 Julius St., Cross Plains,
WI 53538
www.rgpl.org
The Rosemary Garfoot Public
Library has an annual book every May. This
year’s sale just recently took place.
Fitchburg
Public Library
5530 Lacy Road, Fitchburg, WI
53711
www.fitchburgcitylibrary.com
Books sales take place on the
first Monday of every month from 12:00pm-
7:00pm.
The upcoming sales are scheduled
for June 3rd, July 1st and August 5th.
Madison
Public Library Branches
www.madisonpubliclibrary.org
The Madison Public Library has
many locations around the city. Below is
a list of the book sales scheduled at the different library branches.
Madison’s New
and Improved Central Library Branch
201 W. Mifflin St., Madison, WI
53703
Madison’s Central Library has
been undergoing a complete renovation for
the past year. Not only is the new design much larger, but it is also
very modern and urban. The new library will also have five times as
many computers as before, a coffee and snack bar, as well as many
meeting spaces and specialized rooms for patrons to utilize. Many more
programs and services will also be offered. The library is expected to
reopen in late 2013.
*Due to the
renovation, the Central Branch does not have any upcoming
book sales.
Goodman South
Madison Branch
2222 S Park St., Madison, WI
53713
Book, Bake and AV Sale
Fri, 05/31/2013 - 10:00am -
8:00pm
Sat, 06/01/2013 - 9:00am - 2:00pm
Lakeview
Branch
2845 N Sherman Ave., Madison, WI
53704
Friends of Lakeview Book Sale
Sat, 06/15/2013 (All day)
Sat, 09/21/2013 (All day)
Meadowridge
Branch
5740 Raymond Rd., Madison, WI
53711
Halloween Book and Bake Sale
Sat, 10/26/2013 - 9:00am - 1:00pm
Pinney Branch
204 Cottage Grove Rd., Madison,
WI 53716
Fun Fall Book Sale
Thu, 11/07/2013 - 6:30pm -
8:30pm (Friends Only Presale)
Fri, 11/08/2013 - 9:00am - 8:30pm
Sat, 11/09/2013 - 9:00am - 4:00pm
Sun, 11/10/2013 - 1:00pm - 4:30pm
Mon, 11/11/2013 - 9:00am - 7:00pm
Sequoya Branch
4340 Tokay Blvd., Madison, WI
53711
Friends of Sequoya Library Book
Sale (at Westgate Mall)
Sat, 06/01/2013 - 9:00am - 4:00pm
Sat, 07/06/2013 - 9:00am - 4:00pm
Sat, 08/03/2013 - 9:00am - 4:00pm
Sat, 09/07/2013 - 9:00am - 4:00pm
Sat, 10/05/2013 - 9:00am - 4:00pm
Middleton
Public Library
7425 Hubbard Ave., Middleton, WI
53562
www.midlibrary.org
Book sales are scheduled for the
second Saturday of each month.
Upcoming sales are June 8th 10:00am-3:00pm, July 13th 10:00am-3:00pm,
August 10th 10:00am-3:00pm and September 14th 9:00am-4:00pm.
Stoughton
Public Library
304 S. Fourth St., Stoughton, WI
53589
www.stoughtonpubliclibrary.org
Stoughton Public Library has two
book sales every year. The first takes
place in late April or early May, and the second occurs in September.
The date for the September sale has not yet been announced.
Sun
Prairie Public Library
1350 Linnerud Dr., Sun Prairie,
WI 53590
www.sunprairiepubliclibrary.org
The library’s Read Before Book
Store has a collection of used books
available for purchase. Store hours are Monday-Thursday, 10am-8pm and
Friday-Saturday, 10am-4pm.
Verona
Public Library
500 Silent Street, Verona, WI
53593
www.veronapubliclibrary.org
Verona Public Library has an
ongoing book sale where used and discarded
books can be purchased.
Waunakee
Public Library
710 South Street, Waunakee, WI
53597
www.waunakeepubliclibrary.org
This Waunakee Public Library has
used books for sale year round.
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Dane County
Farmers’ Market
Every
Sat | 6AM-2PM
Come
get fresh local vegetables, meats, cheeses, flowers, and specialty
products from the farmers’ market around the capital square. With over
160 vendors attending every Saturday, there is something for everyone
to enjoy!
Visit
Website
Henry
Vilas Zoo
Explore
the animals at the zoo! Visit the Tree House; take a ride on
the crown jewel conservation carousel. View the zoo on the electric
train that passes through a tunnel. Fun for all ages.
www.vilaszoo.org
7th
Annual Cars on State
Sat,
June 1, 2013| 10am- 3pm
A
wonderful array of vintage cars will be displayed on State Street!
Come take a stroll and grab some food at the farmers’ market, all while
checking out some great cars.
Visit Website
Ride
the Drive
Sun,
June 2, 2013| 10am- 3pm
Ride
the Drive is a community event that transforms Madison’s main
streets into a public promenade so that residents can enjoy a car- free
street. Come bike, skate, or walk on these safe streets!
Visit Website
An
Evening with Joan Baez
Fri,
June 7, 2013 | 8 PM
Singer
Songwriter Joan Baez is known for her distinctive vocal style
with a strong vibrato. After performing at the Newport Folk Festival in
1959, Joan rose to fame and on June 7th, she will be performing at the
Overture Center.
Visit Website
The
Kurt: Music and Sports Festival
June
7&8
A
sports and music festival in memory of Kurt Saupe. The Kurt music
event will feature The Waco Brothers, Yarn and Cannonball. There will
also be a golf and soccer tournament. This festival benefits the
Middleton Outreach Program (MOM), a food pantry and social servicing
agency in Madison. Join the community and buy tickets today!
Visit
Website
SummerPalooza
Sat,
June 8, 2013 |10 am-3 pm
The
Rotary Club of Madison and the Madison Children’s Museum are
putting on their first annual SummerPalooza to honor RCM’s centennial.
Come downtown for some family fun! The celebration includes free
admission to the museum along with live entertainment and a parade
around the capital square.
Visit Website
Rhapsody
in Bloom: Run for the Roses
Sat,
June 15, 2013 | 5 - 10 pm
This
year’s theme for Rhapsody in Bloom is Run for the Roses, a
Kentucky Derby spin off. Dine and dance in the beautiful Olbrich
Botanical gardens. Don’t forget to dress the part in Derby Attire!
Visit Website
Ladysmith
Black Mambazo
Tue,
June 18| 7:30 PM
For
over fifty years Ladysmith Black Mambazo has blended the sounds of
their native South African musical traditions with the sounds of
Christian gospel music, creating a unique sound. Come Check out this
group at the Barrymore Theatre.
Visit Website
Friends
of Fitchburg Library
June
21-22, 2013
Oct
18-19, 2013
Used
book sale on the second floor of the Fitchburg Public Library
Paddle
For Polar Bears
Sat,
June 23, 2013
Learn
how to stand up paddleboard and raise funds for the Henry Vilas
Zoo’s state of the art Artic Passage exhibit. Come out to the waters of
Lake Wingra in Madison for paddle boarding lessons and become a pro in
no time!
Visit Website
Summer
Concert Series
June
25 - July 30 - Tuesdays, 7 pm
Bring
out your lawn chairs and blankets for a lovely evening concert on
the lawn at the Olbrich Botanical Gardens. Different types of music
will be highlighted every Tuesday night. Pack a picnic and listen to
some great music!
Visit Website
Madison
Mallards
Get
out on a nice spring day and check out the Madison Mallards
baseball team. With several home games in June, there is sure to be one
that fits your schedule!
Visit Website
Madison
Chambers Orchestra: Concerts on the Square
Every
Wednesday starting June 26th, the Madison Chambers Orchestra will
be putting on concerts on the King Street corner on the Square! Bring
and cooler and a blanket or enjoy some of the great food from their
vendors.
Visit Website
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"Don't let ups and downs leave
you down and out."
- Harvey Mackay
Quote
provided by:
Andy Voeltner
Edward Jones - Financial Advisor
When
it comes to your financial future, it's important to work with someone
who takes time to understand you and your situation.
OFFICE:
608-798-0043
CELL:
608-712-7663
Website:
CLICK
HERE
Email:
CLICK
HERE
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Concierge Preferred Vendors
Spotlighting Quality
Service Providers.
We have assembled a comprehensive list of qualified, certified local
service providers who can assist you with the multitude of projects and
responsibilities you need to get handled before, during, and after your
move. For a complete list of preferred vendors:
Click on our Concierge Page
www.MadisonRelocation.com
Chem Dry
Superior Carpet, Tile, Area Rug
& Upholstery Cleaning, Drier, Cleaner, Healthier!
Contact:
Josh Duggan
Email:
Send
Email
Website:
Visit
Website
Phone:
(608) 271-5900
Hallman Lindsay
Paints
Paint made in
Wisconsin for
Wisconsin. Over 3000 colors and expert painting advice! Big color
chips! Free color matching and project tracking.
Contact:
John DeVries
Email: Send Email
Website:
Visit
Website
Phone:
(608) 829-0313
The Window Valet
The Window Valet
specializes in
Custom Window Treatments, On-Site Blind/Drapery Cleaning and Repairs.
Contact:
Josh LeClair
Email: Send Email
Website:
Visit
Website
Phone:
(608) 838-9999
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