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1 Kiosk First Quarter 2006 Dedicated to the Growth of the Luxury Home Market Real Estate Overview by Evan R. Katz No surprise... the market has changed. Is the bubble going to burst? We do not think so. What has changed the market? The answer is supply and demand. There has been an increase in the inventory of listed homes and a decrease in the investor and speculator purchases which represented over 25% of the sales in many market segments. Another factor has been the increase in long term interest rates. Although money is still inexpensive and we do not expect long term rates to reach above 7% in the next few years, the current increase in rates tends to slow the consumer decision process in the short term, hence less buyers, or at least, a slower decision process. Although inventories have increased as compared to last year, the number of listed homes is still below the number of homes sold last year. As of now, prices have not been affected; however, time on the market has increased, multiple contract offers have disappeared and we are seeing consumers decrease their list price in order to attract buyers. As well, new listings are beginning to come on the market at more realistic values. The outlook for 2006: unless there is a huge catastrophe, we do not expect major movement in value. In some markets, we will see slight downward adjustments and in other markets segments, we expect moderate increases. Our advice is to be aware and responsive to market change. Before buying or listing your home, have your Realtor take a look at activity in the short term (2 3 months instead of 6 months) and review current list prices and adjustments during the listing or buying process. We live in a great area of the country, our local economy is strong, the baby boomers are still on the move and Arizona is the place to live. The last few years have been kind to us and we expect this good fortune to continue. We wish you all a happy, healthy and prosperous year. If you are considering making a move, please contact The Katz Group Evan , Jamye or Ted In this Kiosk: Mold is a maintenance issue 2 Celebrating Doc 3 Southwest Regional Alpaca Show at Rawhide 3 Not just for tree huggers anymore 4 Buyer vs. Seller 4 Making your house a home 5 In-store seminar at Robb & Stucky 5 Eating and exercise habits vary by season, study finds 6 Mortgage talk 7 Residential real estate sales: A comparison between the year 2004 and the year 2005 YEAR Year 2004 Year 2005 # Currently GENERAL STATS: BUILT # Sold AVSP/SF # Sold AVSP/SF % Change Listed Paradise Valley $5,000, $528 7 $ % 32 $5,000, $518 5 $ % 14 $3,000,000-$5,000, $ $ % 40 $3,000,000-$5,000, $ $ % 28 $2,000,000-$3,000, $ $ % 9 $2,000,000-$3,000, $ $ % 41 $1,000,000-$2,000, $ $311 1% 1 $1,000,000-$2,000, $ $337 22% 73 $700,000-$1,000, $244 1 $ % 0 $700,000-$1,000, $ $278 14% 27 Scottsdale (includes properties located south of Bell Road and north of Indian Bend) $2,500, $439 4 $461 5% 14 $2,500, $430 1 $ % 10 $1,200,000-$2,500, $ $312 7% 32 $1,200,000-$2,500, $ $307 11% 44 $800,000-$1,200, $ $ % 22 $800,000-$1,200, $ $ % 89 $600,000-$800, $ $273 30% 12 $600,000-$800, $ $ % 117 $400,000-$600, $ $ % 20 $400,000-$600, $ $218 28% 183 All facts stated are deemed accurate but are not guaranteed. If your home is currently listed on the MLS, this should not be considered a solicitation for your business. The purpose of this analysis is to demonstrate overall movement in each market segment; therefore, the per square foot price does not necessarily reflect the exact price of your home. Read more inside...

2 Kiosk Mold is a maintenance issue by Beth Lawrence Mold is preventable. If you do find it in your home, it is very manageable. Of course, the first step in managing mold is to avoid it in the first place. Mold can be prevented simply by paying attention and by doing those little maintenance fixes when a leak is first found. Here in Arizona, we are fortunate to live in a climate that is not normally humid enough to cause mold to grow spontaneously in our homes. However, mold can get a foothold in a home when a small leak is not repaired or when a large flood or water damage is not dried out properly. Individual mold spores are microscopic in size (not visible to the naked eye) and are easily transported by the slightest air movement. Because mold spores travel in air, they are naturally occurring in every home. Individual mold spores will settle and can sit dormant for years and still not be visible. These individual mold spores only become a mold issue when moisture is introduced. In the form of moisture or high levels of humidity over an extended period of time, water is the limiting factor for the growth of mold colonies. No water, no mold growth. Address any and all water leaks or water incursions immediately. Small, long-term leaks may actually cause more widespread mold damage than a one-time large water leak. When a small drip is unattended, it can cause water to seep under cabinetry, into drywall, and/or into wall systems. The longer the drip is active, the more extensive the damage is to the surrounding building materials. Mold can begin to colonize in hours. Keeping materials dry and/or drying them quickly is essential to deal with and minimize damage. Follow these tips to help prevent mold in your home: Buy a new water heater at the recommended life limit of your current one. Water heaters rust, leak and may burst. It is easier to buy a new one BEFORE you have a potentially moldy situation. There are two kinds of reverse osmosis units: those that have leaked, and those that will. If you have one, check it frequently. Do install a good exhaust fan in your bathroom (130 cfm is suggested). Small fans or open windows are generally not enough to exit the steam from the room. Maintain the grout and caulk in the shower. Tile showers and tubs need regular attention to avoid cracks in the grout that allow water to seep behind the tiles each time the shower is used. Turn outside sprinkler heads so that they do NOT spray against the exterior of your home. Over time, water will seep through the stucco or block and into the wall system. Planters touching the exterior of a home will eventually leak. Although planters look lovely, do not plant landscaping so that wet soil touches your house. Design your landscaping to allow your house to breathe. Have your air conditioner maintained at least once a year to clean out the condensation line. These small drain lines get plugged easily and can cause the condensate pan at the air conditioner to fill and spill creating a leak. Have your toilet drain lines snaked BEFORE the toilet actually overflows. This is a regular maintenance item if you live in a neighborhood with tall oleanders whose roots grow into sewer lines. Do not clutter the space around water lines (hot water heaters, HVAC units, under sinks). If a leak has started, clutter will hide the problem. If water loss starts in one room and gets another room wet, use a professional dry-out company who will: 1. remove drywall to expose wet internal wall systems (minimum 2 feet from floor) and 2. use de-humidifiers and industrial fans to draw moisture out of building materials. PUBLISHED BY: The Katz Group, a partnership of Realty Executives licensed professionals EDITOR: Jamye Katz CONTRIBUTING EDITORS: Adam Child Evan Katz Jamye Katz Ted Krismann Beth Lawrence Mary Meinz Beth Trefil Franne Wilk MARKETING / SALES: Evan Katz Jamye Katz Ted Krismann Our clients needs always come first. For most people, their home is one of their most valuable assets. As residential Realtors, we work with people in transition who are making decisions that affect lifestyle changes and long-term economic security. The strong and ever-lasting relationship we have developed with our clients is based on trust. The essence of The Katz Group s long-term success is the inherent desire to help and protect our clients. Our professional business ethics are driven by this credo and are paramount to all other actions. For a free consultation, contact Evan Jamye Ted Beth Lawrence is a Certified Residential Mold Inspector with RESA, Residential Environmental Services of America. 2 Reprinted with permission from the September 2005 issue of Arizona REALTOR Digest.

3 Dedicated to the Growth of the Luxury Home Market Celebrating Doc by Jamye Katz Celebrate Doc Severinsen s 22 years of Pops conducting with The Phoenix Symphony! Doc has announced that he will make his final appearance as Principal Pops Conductor of The Phoenix Symphony this spring, so we re paying tribute to him with this special weekend of concerts. Come hear Doc perform his favorites as he leads The Phoenix Symphony in the songs that made him one of our most beloved musical guests ever! Mark Friday, March 31, Saturday, April 1 or Sunday, April 2 on your calendar and make your way to Symphony Hall at 8PM. Tickets are $18, $27, $36, $45, $54 and $63. Order tickets online at Southwest Regional Alpaca Show at Rawhide Check out Rawhide s new location off I-10 at Exit 162 and meet the llamas on February 18 and 19. These docile animals are celebrated for their soft, fine fur. Vendors will be on hand to showcase their wares and guests will have the opportunity to view and pet these unique creatures. Bring the kids. They ll enjoy the Petting Ranch, too! From goats to deer, chickens to pigs, they ll make new friends of the four-legged kind. Rawhide at Wild Horse Pass 5700 North Loop Road Chandler, AZ Phone: Residential real estate sales (continued from page 1) A comparison between the year 2004 and the year 2005 YEAR Year 2004 Year 2005 # Currently BUILT # Sold AVSP/SF # Sold AVSP/SF % Change Listed Scottsdale Ranch Areas $500, $ $ % 15 $500, $ $ % 151 Cactus Corridor $500, $ $ % 67 $500, $ $226 22% 200 Urban Living Scottsdale $200,000-$500, $ $ % 55 $500, $ $ % 23 Phoenix $200,000-$500, $ $ % 100 Pinnacle Peak Arcadia $500, $404 8 $ % 42 $2,000, $ $ % 109 $2,000, $ $ % 53 $1,000,000-$2,000, $ $321 10% 87 $1,000,000-$2,000, $ $ % 87 $600,000-$1,000, $ $ % 64 $ $1,000, $ $ % 140 $1,000, $ $ % 18 $500,000-$1,000, $ $289 22% 12 Guard Gated Communities Paradise Valley $1,000, $ $ % 33 Scottsdale $600, $ $ % 76 Pinnacle Peak $600, $ $ % 203 Golf Course Properties Paradise Valley $1,000, $ $ % 13 Scottsdale $600, $ $ % 28 Pinnacle Peak $600, $ $ % 91 Waterfront Properties Scottsdale $300, $250 3 $ % 1 $300, $ $ % 10 View Properties Paradise Valley $1,000, $ $ % 191 Scottsdale $1,000, $ $ % 94 Pinnacle Peak $1,000, $ $ % 301 New Construction Paradise Valley $1,000, $ $ % 48 Scottsdale $750, $ $ % 18 Pinnacle Peak $750, $ $ % 58 Phoenix $750, $279 5 $360 29% 26 Arcadia $750, $251 6 $ % 7 * Urban Living is a newer category which examines the luxury high-rise buildings like The Esplanade and the Third Avenue Lofts in Phoenix and the Landmark at Kierland in Scottsdale. Please note that these figures do not reflect units sold directly by the developer. 3

4 Kiosk Not just for tree huggers anymore by Evan Katz It s a reality we all have to come to terms with: Neither oil nor natural gas prices are likely to come down any time soon. With monthly energy bills and relentlessly thirsty cars reminding us of our escalating cost of living, there s one message we need to listen to today. How can we save money on home utility costs? Well, it s easier that you think to be green. Home improvements don t have to be epic to relieve utility costs. Here are ideas to start thinking green : Turn up the air conditioner thermostat. Change air filters often. Plant trees on the south and west sides of the home to provide shade and reduce interior temperatures. Landscape with drought-resistant or indigenous plants, which retain more water. Replace appliances with Energy Starrated versions. Energy Star appliances exceed government energy-efficiency standards by 10 percent to 25 percent. Invest in new, more efficient heating and cooling systems. Paint your home s exterior a light color. Darker colors retain more heat. Plug up air leaks, which are the equivalent of leaving a window open all year. Sealing leaks can save more than 10 percent on energy bills. Buyer vs. Seller by Ted Krismann Home sellers are an optimistic lot. They expect to get the same or more for their home as the guy across the street or their friend two miles away got six months ago. Many expect to get multiple offers over the asking price after all, isn t that what has been reported in the newspaper or at neighborhood barbecues for a couple of years now? Home buyers, on the other hand, want to have a choice of homes plus time to negotiate a fair price. They want the terms to allow for the sale of their existing home, full inspections and an appraisal at or above the sales price. The housing market in this area was unbalanced in favor of the seller for much of 2004 and As noted in the Overview on page 1, the market has changed. The frenzy that was prevalent is no more. Today, buyer and seller are on equal footing. Here is what that change means to you. It means that a professional Realtor is more important than ever to both the buyer and the seller. For the buyer, a Realtor will help you refine your top priorities and sort through the many properties now on the market. This should make your search more efficient and even enjoyable. You will also get expert assistance in negotiating a fair price for the home of your choice. Finally, your professional agent will handle the critical legal aspects of making offers and initiate the due diligence and escrow process. For the seller, the first crucial step in listing the home is setting a realistic price a price that reflects current market conditions rather than overly optimistic or emotional opinion. After all, the best transaction is one where both seller and buyer feel the deal is a fair one. You can be sure the buyer knows what comparable houses are selling for and a price above the comps will keep buyers from even considering a property in this market. The actual marketing of a home requires a lot more than listing on MLS to be successful. The Katz Group has a long and proven list of tactics that will be implemented to ensure you get a fair price in the least amount of time. These tactics range from preparing your home for viewing to communicating the listing to our extensive network of valley realtors and buyers through media including MLS, the internet and advertising. So, whether a buyer or seller you be in 2006, you can rely on The Katz Group to fulfill your real estate needs. If you are considering making a move, please contact The Katz Group Ted , Evan or Jamye Install double-glazed windows with low-emission glass, which allow maximum light while keeping out heat and cold. Add insulation in walls. Serving Phoenix Since 1981 Wedding and Social Invitations Personal Stationery Self Inking Stamps Flyers Canon Color Copies Full Color Banners and Posters Free Pickup & Delivery Hours: Monday - Thursday 8:30-5:30 Friday 8:30-5: FAX East Camelback Phoenix, AZ (In the Safeway Shopping Center) 4

5 Dedicated to the Growth of the Luxury Home Market Making your house a home by Mary Meinz, ASID I would love to move or build a new house. This is a typical comment from an average homeowner after living in their home for a few years. Often the homeowner feels like their house becomes tired looking or they simply get bored or restless with their surroundings. If you relate to this, please read on. Our answer to this dilemma is to hire a professional Realtor and sell your home or hire a professional interior designer and give your house a face lift. Today there are many tricks of the trade that an interior designer has to help the homeowner. For example, consider new paint selections. Sounds simple enough and really, running the same color throughout lends a feeling of continuity and will make the house feel clean, fresh and even give the illusion of being larger. Now, with this simple backdrop In-store seminar at Robb & Stucky by Beth Trefil Arizona is blessed to have such a wide variety of architecture. Whether you have moved here from New York, Texas, California, Illinois or Florida, doesn t mean you need to reinvent your style to Southwest or Tuscan. Traditional is timeless and can mix well in all parts of the country, no matter if your home is Territorial, Spanish Villa, Tuscan, Contemporary or Southwest Transitional. (and light colors are returning to the Southwest white on white is back) pop in some new furnishings or reupholster and re-finish the old. Consider some new art work or have your designer reframe your present artwork. You will not recognize your favorite painting with a new updated frame. Check to be sure your window treatments are appropriate for your location and décor and be sure they are giving you sun control when necessary yet allowing the beautiful Arizona sunsets and moonlit evenings to be in clear view. Updating your lighting can sometimes be as simple as new bulbs in your recessed cans along with new appropriately scaled table and floor lamps. REMEMBER: all of these things can be done in stages. Another simple technique is to have your designer re-work your floor plan from room to room. Watch how creating better conversation areas or improving upon the ingress and egress will put your rooms into a more desirable function and scale. Now, consider your accessories. This is the key to any great design. If you have fine furnishings but inappropriate accessories, your home will not properly express your personality. Changing your accessories or accent pillows with the change of the seasons is an effective way to keep you always feeling good about your space. Purchasing classic upholstery and case goods will be the best value for your dollar. Classic interiors are timeless and punctuating this classic interior with cooler colors in the Arizona summers offers a refreshing feel to the season. Warm things up for the winter months with darker colors, textured accent pillows, patterned area rugs and lots of lit candles. Voila! You are once again in keeping with the season. These are just a few simple but effective ways that your professional interior designer can help you make your house your HOME. Mary can be reached at , extension Traditional and Contemporary Styles Residential and Commercial Mary Meinz, ASID Interior Designer Extension N. Scottsdale Rd. Scottsdale, AZ With clever accents, tweaking of occasional pieces, adding architectural elements, color, and window treatments, all of which will encompass your new interior in Arizona to flourish in Desert Traditional. Come join us for an hour of excitement and fun. Your participation is welcomed, so please bring your questions for discussion. The Traditional in the Desert seminar takes place on Friday, February 24 at 3PM. Reservations are required so please RSVP to , ext

6 Kiosk Eating and exercise habits vary by season, study finds by Franne Wilk Results of a new study lend support to the idea that people s eating habits vary according to the season, with people eating more in the fall and winter. What s more, their body weight and physical activity levels also appears to follow suit in many cases. In anticipation of the possible weight gain during long winter months, individuals need to maintain energy balance, according to study author Dr. Yunsheng Ma, of the University of Massachusetts Medical School. Massachusetts health maintenance organization, were 48 years old, on average, and mostly overweight and obese. At the start of the study, the researchers recorded the study participants body weight and reported dietary and exercise levels during the previous 24-hours. Similar information was recorded on a quarterly basis during a one-year study period. Energy in food intake must be equal to energy out mainly physical activity to avoid weight gain, the researcher explained. In the current study, Ma and colleagues examined seasonal variations in all three areas: food intake, physical activity, and body weight. The 593 men and women included in their study, who were primarily recruited from a central ANALEE PACE SENIOR ACCOUNT EXCECUTIVE EXT Overall, the study participants reported consuming about 1,963 kilocalories per day, with approximately half of those calories coming from carbohydrates and nearly a third from fats. Their calorie intake was the highest during the fall season, however, during which they reported consuming 86 kilocalories more per day than during the spring, when their calorie intake was lowest, Ma and colleagues report in the European Journal of Clinical Nutrition. The study participants also showed seasonal variation in the distribution of these calories, the report indicates. Their carbohydrate intake appeared to peak in the spring, for example, while their intake of total fat and saturated fat was the highest during the fall. Further, the study participants body weight fluctuated by about one pound throughout the yearlong study period, but was the highest during the winter season, when they also reported participating in the least amount of physical activity, the researchers note. The study participants reported their highest level of physical activity during the spring. To avoid the winter weight gain, individuals need to be conscious of their diet and physical activity in the winter, Ma told Reuters Health. It is important to maintain a healthy weight throughout the year. La Camarilla Racquet, Fitness & Swim Club offers a comprehensive weight management program: Why Weight for those individuals who need guidance in nutrition and exercise. It s a ten week program which includes full use of the club s amenities. For complete info, contact La Camarilla at SERVICE:

7 Dedicated to the Growth of the Luxury Home Market Mortgage talk by Adam Child What s up with interest rates? Happy New Year! On December 13th, 2005, the Federal Reserve raised its Federal Funds rate by.25% for the 13th time since June The Federal Funds rate is currently at 4.25%. Prime rate, the rate that most directly affects Home Equity Credit Lines, is at 7.25%. It appears certain we will have one more Fed Rate Hike on January 31st of another.25% bringing the Federal Funds Rate to 4.5% and the Prime Rate to 7.5%. This is a full.5% higher than you have read in my previous predictions over the past year but within a.25% of what appears to be the end of our current rate hike cycle. Most people in the KNOW have been quite confident for awhile that it has always been Alan Greenspan s intention to leave office, which he does on January 31st, in a neutral interest rate environment. It is expected that on January 31st, Alan Greenspan will indicate that he is issuing a final rate hike and wants to take a pause to allow time for fourteen.25% rate hikes to settle in to the economy. Some feel that there is a 50/50 chance that Ben Bernake will add a.25% hike in February then issue a halt to the rate increases. Either way it appears 95 percent certain that after February, we will be entering a new interest rate plateau that may carry us through the balance of The 10 year treasury, the index that most directly affects long term mortgages is currently 4.37% (January 6, 2006) which is within 15 basis points or about an 1/8th of a percent of where it had been at the end of 2003 and the end of 2004 and now the end of What that means is that even though we have seen Home Equity Credit Lines, Adjustable Rate Mortgages, car loans and credit card loans go up, long term fixed rate loans have remained fairly stable for over two years. We are in a good interest rate environment and one that is starting to stabilize again. Though rates are off their historic lows, they are still historically low and should be for awhile. This is still a great time to borrow real estate mortgage money. Tips for 2006 Buy real estate. If you were waiting for prices and rates to stabilize, it appears they have. Look at consolidating your debt. We have many clients who are still benefiting by consolidating credit lines and revolving debt into their mortgage. Monitor your credit report. It is a good idea to do this monthly to make sure you do not have unusual information showing up. It happens. Convert your adjustable rate mortgage into a fixed rate mortgage. If you are looking for payment flexibility, consider switching to an interest only loan. Put ChildMortgage.com on your favorites on your computer and discover the many resources available to you there. If you visit ChildMortgage.com, you will find Market News which is market data updated daily. This includes the Dow, the Nasdaq, all the major treasuries and all the major indices for adjustable rate mortgages. You will also find our Mortgage Library which will give you detailed information on most parts of the lending process, Payment Calculators, Special Loan Programs, Rate Alert and the ability to apply online to see what you can qualify for. Finally, a favorite Mackay Moral from Harvey Mackay, They used to say what you see is what you get. In truth, what you think is what you get. May you have a healthy and prosperous 2006! Always feel free to call me direct or me with any real estate financing questions you may have! You can reach Adam at or childmortgage. com Adam Child President North 87th Street, Suite 201 Scottsdale, Arizona MB Fax: Toll Free: Mobile:

8 First Quarter 2006 Kiosk Dedicated to the Growth of the Luxury Home Market Published by North Tatum Blvd. Phoenix, AZ PRESORTED STANDARD U.S. POSTAGE PAID PHOENIX, AZ PERMIT NO Highlights inside: Real estate overview Protect your home and save money Learn about how to prevent and manage mold with tips from a certified inspector. Then we ll show you how to relieve home The market has changed. Time on the market has increased, multiple contract offers have disappeared. Read our advice and outlook for Holiday weight gain Researchers say people have the highest calorie intake during the fall months. Learn how to balance calories consumed and calories burned. Mortgage talk Greenspan is leaving at the end of the month. Will he leave Bernake a neutral interest rate environment? Read the details on page 7. Read about it on page 6. Read more on pages 2 & 4

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