Have a (chocolate chip) cookie today!

It’s National Chocolate Chip Cookie Day, and cookie purveyors across the country are offering specials, freebies, and even giant chocolate chip cookie statues. No, seriously, here’s a sweet list of baked deals from Food & Wine.

Want to SAVE on your student loans?

This week, the Education Department launched the beta website for SAVE, or Saving on a Valuable Education, a new student loan repayment program that could drop monthly payments for one million borrowers to as low as $0. Want to find out if you’re eligible? Use the website calculator today. And learn more from the Sacramento Bee.

What’s in a price?

When you put your home up for sale, choosing the right asking price could be the difference between getting what you want and leaving big-time dollars on the table — especially in today’s tight market. So how do you find the right number?

CHIC (Pearl)

Setting an asking price is all about striking a balance — between the price you want and what the market will bear, high interest rates and low inventory, first impressions and protracted negotiations. In this treacherous territory, it’s good to have an agent to guide you to the promised land. We’ll help you make sense out of the tea leaves and find the asking price that fits your property.

GEEK (Kevin)

I love a good numbers game, and finding your asking price is all about crunching the data. The first step is to analyze comparable sales in your neighborhood. How do the homes compare to yours by the numbers? How closely did asking prices mirror impartial estimates? How long did the properties spend on the market? Once you know the landscape, it’s easier to find your way.

Taking pride in all abilities.

Throughout July, we take pride in the diversity of our ability. You never truly appreciate a skill or a sense or a body part until you can no longer use it. We’ll share a personal story on this topic soon!

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Pearl You

Pearl is a stylish woman with creative inclinations. She has great eyes for property and a nose for opportunity. She excels at creative marketing and project management, and she can negotiate with the best. She understands that real estate is really about finding the lifestyle of your dreams. It’s human nature, and it drives Pearl’s work every day.

Foreclosures on the rise

For the second year in a row, foreclosures are up across the country, and the trend has a lot of folks remembering the Great Recession. But we’re still nowhere near the levels we saw when that bubble burst. About 25 of every 100,000 homes in America had a distressed property or foreclosure filing in June, which is about 15 times lower than during the recession.

And the pain isn’t spread equally. The highest rates of foreclosure can be found in small to mid-sized metro areas like Modesto, which checks in at number ten on this list from Realtor.com.