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About Ann Costigan
Integrity. Excellence. Results.
Mine is a name you can trust. As a REALTOR® I am dedicated to servicing my customers and clients with integrity and professionalism, pledging to protect and promote your interests to achieve the highest results for you.
Navigating the real estate market is a rewarding process. While it can be one of the most exciting times of your life, it can also be one of the most stressful. Not only is the purchase or sale of real estate your largest financial investment, it is an extremely emotional investment as well. As your trusted real estate professional, I pride myself on being well versed in local market trends to help you make informed decisions. I take the time to listen to your wants and needs, and I will guide you through the preparation, information, processes and final closing details. I am here for you, now more than ever. I am your forever agent.
Berkshire Hathaway HomeServices Hudson Valley Properties
Ann Costigan
My credentials
Real Estate Advice
Agent Advice
Word Of Mouth: The Best Advertising Tool A Realtor Can Use
As a real estate agent, there are a lot of ways to get your name out there. From business cards to billboards and advertisements on search engines, there’s no shortage of marketing tools that you can and should use to your advantage as a real estate professional. Each of these tools can be useful in its own rite, but there’s one tool that you’re ...
Agent Advice
How Much Do Real Estate Agents Spend On Marketing?
If you’re just starting out in the real estate business, you might currently be a bit overwhelmed by everything at your disposal in your new role. There’s so much you need to learn, so many new techniques you can use, and so many new people to meet. The world of real estate is more akin to an ocean than anything else, with all the depth and variety ...
Agent Advice
How To Retain Your Real Estate Clients Effectively?
The professional practice of the real estate business as a genuine magician is like being in a relationship. In the beginning, you may be lucky and dazzle your soulmate with your looks and expertise. As a result, you get to close the deal. Then, it’s official: you’re together. But for how long? An excellent suitor and skilled ‘hunter’ can conquer ...
Home Seller Tips
Risks And Rewards Of Selling Your Home Without A Realtor
From the perspective of a home buyer, the position of a real estate agent can seem unjustified in its existence. Why in the world would you pay someone 6% commission on the total sale price of your home, just so that they can set up a couple signs in the yard and do some paperwork? On the face of it, it seems utterly preposterous; why not just sell your home without a ...
Agent Advice
The Do’s And Don’ts Of The Real Estate Code Of Ethics
In the real estate business, it’s no secret that flexible morals have had a presence in the field since the very beginning. Whether it’s real estate agents that conceal vital information to make the deal go through or real estate developers cutting corners on multi-million dollar housing projects, this business has a reputation for being less-than-reputable. ...
Real Estate Glossary Terms
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Stretcher Bricks
A method of brick construction where the bricks are laid with their sides facing outward. ...
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Open Perils Policy
The open perils policy is the counterpart to the named perils policy. In it, any peril NOT mentioned is covered by the policy. Here's an example: let's say you got an open perils policy homeowner's insurance and it lists volcanoes eruptions and floods. If there was a fire or if a hurricane sent a t ...
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Actuarial Gains And Losses
Experience as it relates to the annual costs associated with a pension plan. In calculating premiums due under a pension plan, basic assumptions must be made concerning future loss experience and expenses. Actual loss experience can prove to be better or worse than envisioned. If the experience is b ...
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Health Insurance Portability And Accountability Act Of 1996 (HIPAA)
Legislation providing that, to the extent that all deductible medical care expenses exceed 7.5% of the taxpayer's adjusted gross income (AGI), expenses not reimbursed under qualified long-term care coverage's are subject to tax deductibility according to the medical expense deduction rule under the ...
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Series Ee Savings Bonds
Bonds sold at a discount from their face value; accumulated interest paid at maturity, as in the case of zero coupon bonds. Interest rate minimum is guaranteed with the prevailing interest rate adjusted semiannually. As with all U.S. Treasury issues, interest earned on these bonds is exempt from sta ...