Adventures in Real Estate & Beyond

Keeping Your Pets Happy While Selling Your Home

2011-06-08T08:27:00.000-07:00

Courtesy of Paw Prints The Magazine

How to Keep Fido’s Tail Wagging While Selling a Home
by Stacy Smith
The process of selling a home is both an exciting and stressful time. With the opportunity for new beginnings in a new home just around the corner, homeowners are busy with frantic activity preparing to show the home to potential buyers. Unfortunately, the hustle and bustle can cause undue stress on household pets, as their familiar surroundings change. With home sales increasing nationwide, the National Association of Professional Pet Sitters (NAPPS) is reminding pet parents to consider pet-friendly solutions to minimize trauma throughout the process of selling a home.

“Pets are most comfortable when surrounded by familiar sights, sounds and smells,” explained John D’Ariano, President of the National Association of Professional Pet Sitters. “It’s important to take extra precautions in keeping Fido safe and happy throughout the transition of a home sale.”

To assist pet parents in helping pets cope with changes throughout a home sale, NAPPS is providing the following tips and recommendations:

Create a Safe Haven – Does your pet have a favorite toy, blanket or pillow? Create a safe haven of familiar objects for your pet throughout the hubbub of renovations, furniture movement and packing.

Maintain a Routine – While the household schedule may change to accommodate showings, make sure Fido maintains his regular diet and exercise schedule. Too busy to take your pet for a walk? Consider hiring a professional pet sitter for daily walks and play time.

Promote Your Home as Pet-Friendly – Is your home the ideal haven for a fellow pet parent? Highlight the specific pet-friendly features – such as a large yard or the perfect sunny window for cat naps – in your home’s description. This could be the quality that sets your home apart from the rest!

Hire a Pet Sitter During Showings – Pets are not able to run loose throughout the home during a showing, so many pet parents choose to hire a professional pet sitter to provide dedicated attention, play time and exercise during visits from potential buyers.

Relax – Tension can build throughout the process of selling a home, so take the time to relax with your pet! A ten-minute break to play fetch in the backyard or a short walk around the block will give you and your pet the opportunity to take a deep breath and enjoy each others company.

Hiring a Professional Pet Sitter

To assist pet parents in the process of finding a professional pet sitter while selling a home, NAPPS offers the following recommendations:

Develop a set of questions and conduct a thorough interview
Ask for multiple references
Request proof of bonding and liability insurance coverage
Make sure he/she interacts well with your pet

Social Media Mantra: "Gain & Give"

2011-06-06T08:04:00.001-07:00

RISMedia, June 6, 2011—Make this your transformational mantra for engagement in social media. This means not just characters in tweets, but real actions and sharing with others—whether it’s your knowledge, cool tools or any other valuable information you can share. This will help you build new relationships and lead to more fans or likes, followers and others who connect with you; new business will follow.

Did you know that fans are 41 percent more likely than non-fans to recommend a product they are a fan of to their friends?*

You are the product they may recommend and no matter how big or small your sphere of influence is, treat it as your highly prized fan base. You never thought about it that way? It’s time to because while your sphere of influence is most likely a mixture of family, friends, clients and vendors, as you can see, it has real value.

Muddy waters can form between these personal and professional connections. When you communicate with them, keep your tone informative, positive and casual. Yes, in a very real sense, you have become a publisher. With this comes responsibility, but also a chance to let your personality shine through. You have the opportunity—most likely for the first time—to really influence through a medium and be a friendly influencer.

Some of us do keep our personal contacts private from our professional ones, but many of us don’t and never will. No matter with whom you are communicating—family or clients—never let a difficult conversation start or develop online. Online communication is a time for a no-drama approach. But by all means let your humor and wisdom shine through.

Taking the conversation offline when it makes sense is a good practice, too. Social media is a platform, like any other, and has limitations. Know when to move to a more personal medium to further develop the relationship.

There’s a philosophy about accumulating small amounts of acceptance through the right behaviors, which then promotes full acceptance. One of these key behaviors is to add value every time you tweet, post or commune with your base, and as the old saying goes: boil that frog slowly, and he’ll be oblivious and never jump out of the pot!

*gigacom.com; June 2010

Chris Kaucnik is chief marketing officer for Home Warranty of America. For more information, please visit www.hwahomewarranty.com.

Real Estate Auctions

2011-06-01T12:15:00.001-07:00

The Art of the Auction: Turning Losses into Liquidity
By Walt Zelwak

RISMEDIA, Wednesday, June 01, 2011— The word "auction" is derived from the Latin augeo which means "I increase" or "I augment." Auctions have a long history, having been recorded as early as 500 B.C. There were many types of auctions held during the Roman Empire. One of the most significant historical auctions occurred in the year 193 A.D. when the entire Roman Empire was put on the auction block by the Praetorian Guard who offered the empire to the highest bidder. In some parts of England during the seventeenth and eighteenth centuries auction by candle was used for the sale of goods and leaseholds. This auction began by lighting a candle after which bids were offered in ascending order until the candle spluttered out. The high bid at the time the candle extinguished itself won the auction. The oldest auction house in the world is Stockholm Auction House, established in Sweden in 1674.

What is going on today?

The National Association of REALTORS® recently reported that distressed homes (typically REOs and short sales) accounted for 40% of the existing homes sold in March 2011. A new report released by Lender Processing Services on May 3rd, 2011 shows that foreclosure inventory as of the end of March 2011 was 2.2 million loans. On May 4th, the FDIC provided detailed information in their "Special Foreclosure Edition" regarding Foreclosure/REO for all companies that they oversee. Banks and mortgage companies/servicers are experiencing foreclosure/REO volume spikes that are at all-time highs. Auctions are being done by the majority of both large and small banks and mortgage companies. Auctions are a valuable loss mitigation tool for collateral management staff as they help reduce inventory and minimize losses on select assets. The fact that auctions substantially reduce the number of units in inventory helps markets move to a more balanced environment.

Prior to any kind of action, the owners of these distressed homes must first establish worth of their asset. The real estate community is sometimes challenged to obtain the level of information and reports that would support valuation and sale analysis of distressed homes. Auction companies should be able to provide detailed feasibility studies that contain multiple metrics that support asset valuation and assumptions regarding the future performance of the real estate market near the subject property. A realistic schedule and timetable of anticipated cash flows from the asset should be established based upon realistic future market scenarios/assumptions. An auction is a great way to ensure that the cash flows can be net present value factored to a correct date in order to establish an accurate value. The Internet and modern technology has made a positive impact on auctions. Some auction company websites generate hundreds of thousands of page views per month from multiple countries. Interested bidder’s activity is closely monitored and is available to sellers 24/7.

Why sell via the auction method?

The auction method accelerates the sale of real estate assets. Auctions generate global consumer/investor interest via the World Wide Web. Non-contingent contracts and quick settlements are required of all buyers of auctioned properties. The seller sets the terms and conditions of the auction sale and the date and time of the sale and closing. Auctions do away with multiple showings and often stressful pricing negotiations with buyers. The bidding process creates competition that increases prices. The marketing strategy targets buyers matched to specific properties and bidders come prepared to buy. The auction bidding creates competition that increases sale price.

Why buy via the auction method?

The potential buyers obtain detailed information on each property from a due diligence package. The buyer knows the seller is seriously committed to sell. Auctions avoid extended negotiation which saves time. In multi-property auctions buyers can view many properties in the same place at the same time. Buyers determine the purchase price. Buyers know they are competing fairly and on the same terms as all other buyers.

Auctions are offered with or without a reserve. A reserve is a minimum number/price at which the property will transfer into new ownership. Auction laws vary by state with differing terms, definitions and rules and regulations can be different, so check with your attorney, REALTOR® or auctioneer. If you are looking for an auction firm consider first those with membership in the National Auctioneers Association and perhaps your state auctioneers association (www.auctioneers.org).

The auction method is a concept that dates to antiquity for a reason—It works!
RISMedia welcomes your questions and comments. Send your e-mail to: realestatemagazinefeedback@rismedia.com.

Memorial Day Activities in Kansas City

2011-05-25T12:42:00.000-07:00

Looking for things to do in Kansas City this Memorial Day weekend, Check out VisitKC's list of things to do.

1. Bank of America Celebration at the Station • Take in a FREE patriotic concert by the KC Symphony.
2. Monet's Water Lilies • See Monet's famous triptych reunited at the Nelson-Atkins Museum of Art.
3. Jiggle Jam • Groove with the kids at Crown Center's family music festival.
4. Kansas City Royals • Cheer on the boys in blue as they take on the Los Angeles Angels.
5. Schlitterbahn Kansas City Waterpark • Make a splash with the region's only surf ride.
6. Diana, A Celebration • View Princess Diana's wedding dress, jewelry and more at Union Station.
7. Planet Snoopy at Worlds of Fun • Let the kids loose to enjoy 18 new rides, devoted to pint-size play.
8. National World War I Museum • Honor veterans at the only museum dedicated to the Great War.
9. Jurassic Gardens • Go prehistoric at Powell Gardens with giant dinosaurs and ancient insects.
10. Hot Air Balloon Invitational • Catch more than 30 hot air balloons in flight in Overland Park.

KC Ambush Makeover

2011-05-23T10:22:00.000-07:00

Last week was the first ever KC Ambush Makeover by the KC Glam Squad.
I was their first "victim."
The Team Includes:
Anna Mc Connell - Wardrobe Stylist
Julie Hengel - Hair Stylist - Esthetician
Candice Diddle - Photographer Kristin Mudgett - Realtor and Marketing Guru
The Clothes were donated by Saffees
And the Reveal event was sponsored by Taste

I had a great time getting my makeover, trying on clothes then celebrating with my friends! Thanks to everyone involved!!

The Adventures of Jayden & JoJo

2011-05-23T09:47:00.000-07:00

Mother's Day weekend I had my friend Ashley's daughter Jayden for the weekend. I picked her up around 1pm on Thursday and we were together until 6pm on Sunday. We had a BLAST!! Jayden will be two in July and is always on the move!!

Friday we met my friend Angie & her daughter Isla at Little Monkey Bizness in Shawnee. The girls had a blast!!

That afternoon we went to Cassy's dress fitting (I have a cute picture but for obvious reasons I can't post it - you'll just have to trust me!). Then we went to the mall. Needless to say we were exhausted by the end of the day!

On Saturday, we worked out then decided to head to Deanna Rose in the afternoon. I had never been there and it was a beautiful day!! We had a blast seeing all the animals, petting the small goats & going on a hay ride.

Jayden had a ton of fun playing with the girls. And of course the girls LOVE Jayden as well!

Jayden & I had a GREAT weekend together!

Great Starter Home!

2011-05-17T12:16:00.000-07:00

Looking for your first home? Love the charm of Waldo? I have just the home for you!! This cute 2 bedroom, 1 bath Waldo home sits on a large corner lot and has a partially finished basement!

Contact me for more information or to set up an appointment! 816.289.3032

Great Shawnee Home

2011-05-17T12:08:00.000-07:00

Looking for a place where you can sit on your back deck, drink a cup of coffee and just look out into an open field? If so, I have just the place for you! This Shawnee Home has 4 bedrooms, 2.5 baths and a RARE 3 car garage. Sitting on a corner lot, this home backs to open green space.

Contact me for more information or to schedule an appointment! 816.289.3032

South Kansas City Home Shows Like a Model!

2011-05-17T11:57:00.000-07:00

Looking for a beautiful home to just move right into? This South Kansas City home shows just like a model! This 2 story home has 4 bedrooms, 2.5 baths, large master bath, walk-in closets and full walk-out basement. You can enjoy the beautiful green space on one of two back patios.

Contact me for more information or to set up an appointment. 816.289.3032

Plaza Living Without The Plaza Price Tag

2011-05-17T11:37:00.000-07:00

Always wanted to live by the Country Club Plaza? I have just the place for you! This amazing Madrid Studio condo features an updated kitchen, private balcony, large bathroom, walk-in closet and close access to laundry. The Madrid also features a pool & party room available for owners.

Call me today for more information or to schedule an appointment! 816.289.3032

Simple Tips to Prevent House Fires

2011-05-09T10:29:00.000-07:00

Simple Tips to Prevent House Fires

RISMEDIA, May 9, 2011—Every year home electrical problems cause more than 28,000 house fires and massive property damage. Electrical wiring is the root cause of many of these fires, of which countless could have been prevented. May is Electrical Safety Month. MXenergy, an independent energy provider, is encouraging everyone to review key electrical safety tips.

“Quite frankly, electrical safety is a key home safety component that is often overlooked,” says Marjorie Kass, MXenergy Managing Director. “Yet the truth is, it is an essential element of any home safety plan. Proper education, awareness and action can go a long way in preventing tragedy.”

Faulty or fixed wiring or improper use of electrical cords and other electrical items cause most home fires.

MXenergy Electrical Safety Tips

• Pay Attention: Flickering lights, buzzing noises, and faceplates that are warm to the touch are all signs that a circuit may be overloaded or wiring may be wearing thin. Each one of those signs is cause for immediate attention from a licensed professional electrician.

• Listen to Your Breaker: If you are continually tripping a switch and having to reset your breaker box, your house is trying to tell you something. There may be a fixture with faulty wiring or too high an electrical load on the breaker. Again, seek professional help.

• Review and Replace: Frayed electrical cords, wobbly ceiling fans, and loose faceplates are more than mere annoyances. You should routinely inspect your home and replace or repair items in need of attention.

• Safety First: Even the best preparation and newest equipment is not a guaranteed protection against fire. Working smoke detectors on all levels of your home is an absolute must. Make sure you have a working fire extinguisher and you know the proper way to use it.

“The good news is many of these fires are avoidable,” continues Kass. “In the case of electrical safety just a little awareness and preparation can make an enormous difference.”

The Electrical Safety Foundation International (ESFI) sponsors Electrical Safety Month each May. More information and safety tips, including a home safety calendar, can be found at www.esfi.org.

For more information MXenergy please visit www.mxenergy.com.

RISMedia welcomes your questions and comments. Send your e-mail to: realestatemagazinefeedback@rismedia.com.

Speed-Clean Your Freezer in 20 Minutes

2011-05-07T12:39:00.000-07:00

Speed-Clean Your Freezer in 20 Minutes
(courtesy of Real Simple Magazine)

Minutes 1 to 3: Unplug the refrigerator. Put on rubber gloves. Empty the ice from the freezer trays into a large cooler. Scrub the trays with water, liquid soap and a sponge. Set aside to dry.

Minutes 4 to 7: Unload the freezer. Ditch anything that has expired or is freezer-burned and covered in ice crystals. Put the rest in the cooler.

Minutes 8 to 11: Remove the drawers and detachable shelves and place them in the sink. Scrub them well with soap, water & a sponge. Set aside to dry.

**NOTE: Most freezers defrost every 8 to 12 hours. If yours has more than 1/4 inch of ice on the base of walls, manually defrost it.**

Minutes 12 to 13: Follow the premeasured spay bottle to make a cleaner from 1 cup water, 1 teaspoon white vinegar, and 1 teaspoon dish soap. Shake to blend.

Minute 14 to 17: Douse the interior with the cleaner. Wipe down the walls and shelves with paper towels.

Minutes 18 to 20: Plug the unit back in. Hang or place the odor fighter in the back. Return the shelves and food.

ALL DONE!!

Speed-Clean Your Refrigerator in 20 Minutes

2011-05-04T12:14:00.000-07:00

Speed-Clean Your Refrigerator in 20 Minutes
(courtesy of Real Simple Magazine)

Minutes 1 to 2: Unplug the Refrigerator. Slide a coil brush underneath the unit's kick plate to remove dust.

Minutes 3 to 7: Empty the contents. Toss anything past it's prime.

Minutes 8 to 10: Remove the drawers and place them in the sink. Scrub the drawers with a sponge, warm water & liquid dish soap. Leave them out to air-dry.

Minutes 11 to 15: Douse the interior with a multi surface spray. Wipe down the walls, then each shelf.

Minutes 16 to 17: Plug in the refrigerator. Return the drawers. Put the food back in, wiping down jars and bottles.

Minute 18: Attach the baking-soda pod's suction cups to an interior wall.

Minutes 19 to 20: Clean the exterior.

ALL DONE!!

10 Tips for Living Green at Home

2011-05-02T08:35:00.000-07:00

10 Tips for Living Green at Home
(courtesy of American Home Shield)

Besides recycling and water conservation, there are many other ways to live a little greener at home. We’ve put together 10 easy tips to help you get started today.

1) Take reusable bags with you when you shop. Most retailers sell their own reusable bags at checkout, but you can always bring your own. It’s a good idea to keep a few in your car for those spur-of-the-moment shopping trips. Think about how many plastic bags we’ll keep out of our landfills!

2) Buy in bulk. You’ll save on fuel and packaging material. Plus, you’ll spend less money in the long run.

3) Keep heating and air conditioning contained to the spaces you use daily. If you have rooms you only use for guests or storage, close off the vents and doors to help reduce costs and increase efficiency.

4) A programmable thermostat can make a big difference in your energy bill. They’re inexpensive and easy to install. You simply pre-program your ideal temperature settings for when you wake, leave and sleep. You’ll notice a difference in your bill the first month.

5) Does your computer or TV run 24/7? That’s unnecessary energy consumption for items that aren’t in use. Set your computer to sleep mode when you’re finished with the task at hand. If you need the comfort of the TV to fall asleep, you can set the sleep timer to automatically shut off.

6) Shower time. It’s a necessity, but to help conserve water and energy—install a low-flow showerhead. It’s highly efficient and affordable.

7) For less than $150, you can install ceiling fans in your living room and bedroom. You can reduce the thermostat temperature and the room will still feel cool with the fan on.

8) Painting is a quick and easy way to redecorate. When you start selecting colors, try to find low Volatile Organic Compounds (VOC) or no VOC paint. Avoid most latex and oil-based paints to eliminate toxins being released into the air.

9) Anytime you remodel or redecorate, try to find green furniture manufactured from recycled or reclaimed materials. The local thrift stores, antique shops and flea markets have great options, so you can recycle and save money at the same time.

10) At any given time there are at least 10 items in your home that require batteries, so why not switch to rechargeable? You’ll help keep all the remotes and gadgets going while keeping dead batteries out of our landfills.

10 Tips for a Cleaner, Safer Kitchen

2011-04-20T10:02:00.000-07:00

10 Tips for a Cleaner, Safer Kitchen

1. Microwave
Fill a bowl with two cups water and a whole lemon, cut into slices. Place it inside and microwave for two minutes, then wipe it out with paper towels. The hot water softens food spills and the lemon cuts grease and keeps the microwave smelling fresh

2. Stove and oven
Spray stove spills with an all-purpose cleaner and let stand 10 minutes for easier cleaning. Oven spills aren’t a food hazard if you regularly heat the oven to 400. Cover a fresh spill with salt until you have time to clean it.

3. Counters
Clean regularly with an all-purpose cleaner. Spray with a weak bleach solution and air-dry if needed.

4. Dishes and Dishwashers
If you hand-wash dishes, be sure to air-dry them in a rack as dirty or wet dish towels can recontaminate clean dishes. To reduce soap buildup in a dishwasher, occasionally fill the soap dispenser with baking soda or place a small cup of vinegar on the top shelf, then run the dishwater empty.

5. Sink, drain and faucet handle
Clean regularly with household cleanser, especially after washing or rinsing raw meat. Don’t forget to clean the faucet handle.

6. Refrigerator
Every day, wipe down the handles, including the underside. Every week, throw out anything that’s past its date or shows age. Every three to six months, empty shelves and clean the inside with 1/4 cup baking soda in one quart warm water, then spray with a bleach solution and air-dry. Remove drawers and clean under them. Before you return the food, wipe jars to remove drips. Clean the rubber gasket inside the door to ensure a tight seal. Vacuum the coils in the back and empty and clean the drip pan if necessary.

7. Pet bowls
Find a place besides the kitchen to clean turtle or frog habitats and empty pet bowls, or clean and sanitize the sink before you start washing fresh food.

8. Cutting boards
Most scientists believe wooden cutting boards are safest, as long as they are kept clean, sanitized and dry. Studies have shown wood hampers bacteria growth, while bacteria thrive in scars on plastic. Either way, keep them clean by running them through the dishwasher, or sanitize by spritzing with a weak bleach solution. Always change boards or clean with soapy water after preparing raw food—even vegetables. They grow in dirt, after all.

9. Sponges and dish towels
Change dish towels daily, or more often if they’re wet or dirty. You can microwave a wet sponge for two minutes, but the time varies depending on the power of the microwave (and if the sponge is dry, it could catch fire). Instead, put sponges on the top rack of the dishwasher at the end of every day.

10. Cross-contamination
You know you’re not supposed to put cooked food on the same surface you used for raw food. But it’s not just a problem with cutting boards. You touch all kinds of things while you’re handling raw food: Salt and pepper shakers, cabinet handles, etc. Pay attention to what you touch so you can wipe things down. Tip: It’s not necessary to rinse raw meat and chicken—it just spreads bacteria.

From www.Rismedia.com

Thanks to our sources: Benjamin Chapman, the extension food-safety specialist for N.C. State; David Sweat, foodborne-disease epidemiologist with the North Carolina Division of Public Health; Douglas Powell, professor of food safety at Kansas State University; and Dean Cliver and Linda Harris with the University of California-Davis.

(c) 2011, The Charlotte Observer (Charlotte, N.C.).

Trolley Run 2011

2011-04-18T08:52:00.001-07:00

Yesterday was the 201l Trolley Run.

I've done this race before but this was the first year I jogged it! For anyone that knows me, I'm NOT a runner. I've been trying. I started training a few months ago and made it up to 2 miles!! I am VERY proud of that accomplishment!

My friends Jessica & Laura joined me in this years race. We decided we were going to jog as much of the race as possible and whenever someone needed to stop and walk, we'd walk. I think we ended up jogging more than half of the race and finished in under an hour!!

I don't think I'll ever be a runner. Not sure I really enjoy it, but I may attempt another 5k. I don't necessarily enjoy running but I loved the company and the affects on my body! We shall see.

Speed-Clean Your Back Entryway in 15 Minutes

2011-04-13T09:30:00.000-07:00

Courtesy of Real Simple Magazine

Minutes 1-2: Clear out the entryway - move area rugs, shoes and umbrellas. Toss non-entry items into a big tote to redistribute later.

Minute 3: Bang the indoor and outdoor mats against a walkway to loosen dirt.

Minute 4: Spot-clean scuffs & mud off walls, doors & baseboards with a moistened Magic Eraser. Go over doorknowbs and light switches, too.

Minute 5-6: Spritz any windows (inside and out). Dust any furniture with a dry microfiber cloth.

Minutes 7-10: Scan the floor and pick up anything too bulky for your vacuum. Give the area a quick once-over with the vacuum.

Minutes 11-13: Swab the deck with a wet mop.

Minutes 14-15: Return everything to its rightful place.

ALL DONE!!

New Uses for Marbles

2011-04-11T09:26:00.001-07:00

New Uses for Marbles - Courtesy of Real Simple Magazine

1. Playful Arrangement - Add marbles to the bottom of a vase.

2. Curtain Weights - Keep lightweight drapes in place by cutting a small slit in the seam, slipping a few marbles into the hem and sewing the opening back up.

3. Muscle Soother - Store a handful of marbles in the freezer, drop them into a thin sock, then roll it across your sore spots.

4. Spray-Bottle Aid - To pull the last bit of cleaner from a bottle, drop in a few marbles to raise the liquid's level to the spray tube.

5. Heartfelt Cupcake - After filling a cupcake liner with batter, wedge a single marble between the liner and the pan to create a heart-shaped indent.

6. Soap Saver - Add a layer of marbles to a soap dish to keep the bar from sticking.

Homeowner Tips - Streak-free Windows

2011-04-04T09:08:00.000-07:00

Homeowner Tips:

Streak-Free Windows
Use these easy-to-follow tips to get streak-free windows all around!

•Don’t clean your windows on a bright sunny day. Direct light causes the cleaning solution to dry before you can wipe it away. For best results, save window cleaning for a cloudy day.
•Clean, cool water is actually the best cleaning solution for windows, but for tough jobs, try adding 2 to 3 tablespoons of vinegar per gallon.
•Use horizontal strokes on the inside and vertical on the outside – or vice versa. This just makes it easier to see which side the streaks are on if you notice any at all.
For best results, use crumpled newspaper for streak-free drying results.

(courtesy AHS)

Check Your AC Today!

2011-04-01T09:05:00.000-07:00

Check Your AC today!

To help ensure your home stays cool all summer, it’s a good idea to perform a system check today. It’s easy to do. Simply turn on your air conditioner and let it run for 30 minutes. If you notice any issues or problems, contact American Home Shield and request a service call for your air conditioner.

•Always be sure to change your air filters every 30-90 days based on filter recommendations.
•Each year, check your system’s performance one month before the cooling season begins.
•Keep the condensing unit free of debris and trim back all shrubs and plants,

(courtesy of AHS)

Integrity...or lack there of

2011-03-31T09:39:00.001-07:00

I was talking to a fellow Realtor last week and she brought up how there is a lack of Integrity in our business. I have to say I agree with her. There seems to be a lack of integrity by fellow Realtors and clients. In recent months I've had difficulty getting fellow Realtors to return calls or emails. I've also had an unrepresented client assume that my time is not worth anything.

Why has it come to this? Why don't all agents work together to get our deals completed quickly and effectively? Why do customers think our time is not worth anything?

And more importantly, HOW do we change this?

Kitchen Remodeling on a Budget

2011-03-31T09:04:00.001-07:00

Kitchen Remodeling on a Budget: Tips & IdeasThe kitchen is one of the most popular rooms in a home, so why not make yours really stand out? Whether you’re selling or simply want to upgrade, here are some simple tips and ideas to get you started without breaking the bank:

1.Plan ahead and find patterns, colors and textures that you like from magazines, home improvement stores and the Internet.

2.Set a budget! Know what upgrades will give you the most value for your money and do your best to stick with your budget.

3.Make a plan and do one thing at a time, especially if you’re going to do it yourself.

So where should you start?

CabinetsRepaint or stain your cabinet doors and add new hardware. This is one of the easiest and least expensive upgrades you can do that makes a big difference. If you need advice on what works best with the cabinets you have, take a door into your local home improvement store and ask for professional advice.

Kitchen Counter TopsCounter tops can be expensive if you’re going for granite, but that’s not your only option. You can opt for concrete or granite overlay. Do your research to find what suits your budget and style best.

Kitchen FloorsYour choices are endless when it comes to updating your kitchen floors. From peel-and-stick tile to laminate wood flooring and travertine, the sky is the limit— but be mindful of your budget! Bring home samples of the flooring based on your style and budget before you make a final decision. Many real estate professionals agree that a kitchen remodel splurge should be saved for the countertops and not the floors, so keep this in mind when deciding. You want to make sure you get great value from any upgrades you do.

Saving Money on Kitchen AppliancesIf your appliances are in good working order and match in color and style, save your budget for more beneficial upgrades. If your appliances look really dated or don’t match the new look of your kitchen, you may want to consider finding some great scratch and dent deals.

Did you know that appliances can be painted? A professional paint job can turn your white appliances into fresh, new-looking ones. You can also buy appliance-safe paint at your home improvement store and do it yourself.

Kitchen LighteningInstalling modern lighting is amazingly simple if your kitchen is already wired for overhead lighting. A new chandelier can make a big difference, and you can find options for less than $150! To make an even bigger impact, be sure to install a dimmer switch. You’ll be surprised what a difference a little “mood switch” can make.

The options are endless for remodeling your kitchen on a budget. The hardest part is deciding which upgrades will make the biggest difference on the smallest budget. Just be sure to do your research and to set realistic goals. And last, but not least, enjoy the project by making it your own.

Cleaning Your Home in No Time At All

2011-03-24T12:32:00.000-07:00

Cleaning Your Home in No Time At All
The experts at Merry Maids offer time saving cleaning tips

A well-organized house is an easy-to-care-for house. The experts at Merry Maids know this from experience and can offer some time saving tips that will help you organize and clean your home in no time flat.

•De-junk your home. Managing clutter takes too much time. Eliminate anything from your home that you are not currently using and donate unwanted items to charity. You will feel better about yourself and the appearance of your home.
•Remove temptation. If you pile clutter on a specific table, get rid of that table. That way, you are more likely to put things where they belong. Eliminate the areas where clutter builds.
•Get a mat. Use only one entry door into your home. Place an Astroturf mat outside the entry to your home. Also, place a sturdy nylon mat inside the house. This will eliminate an incredible amount of dust and dirt within your household, as well cut down on your cleaning time in general.
•Establish command central. Determine a place, usually in the kitchen, for the day’s mail, calendar, car keys, school papers, grocery lists, etc. This eliminates the chance for clutter throughout the house and cuts down on dirt buildup.
•Use the clock. Give cleaning solutions time to work. Spray the light fixtures and mirrors in the bathroom and let the cleaner work while you scrub the tub with an all- purpose cleaner, such as Murphyâ Oil Soap. Then come back to the fixtures and mirrors.
•Defy dust. Change furnace filters and replace vacuum bags regularly. Do not miss vents when you dust.

A Creed to Live By

2011-03-14T13:20:00.000-07:00

I saw this on a friends blog and had to repost! Thanks Samantha for posting it!

A Creed to Live By
Don’t undermine your worth by comparing yourself with others. It is because we are different that each of us is special.

Don’t set your goals by what other people deem important. Only you know what is best for you.

Don’t take for granted the things closest to your heart. Cling to them as you would your life, for without them life is meaningless.

Don’t let your life slip through your fingers by living in the the past or for the future. By living your life one day at a time, you live all the days of your life.

Don’t give up when you still have something to give. Nothing is really over … until the moment you stop trying.

Don’t be afraid to admit you are less than perfect. It is this fragile thread that binds us to each other.

Don’t be afraid to encounter risks. It is by taking chances that we learn how to be brave.

Don’t shut love out of your life by saying it’s impossible to find. The quickest way to receive love is to give love. The fastest way to lose love is to hold it too tightly, and the best way to keep love is to give it wings.

Don’t dismiss dreams. To be without dreams is to be without hope. To be without hope is to be without purpose.

Don’t run through life so fast that you forget not only wher you’ve been but also where you’re going.

Life is not a race, but a journey to be savoured each step of the way.

Nancye Sims

Thanks to Gina for posting this on her blog....love this!!

Spring & Summer Home Maintenance

2011-03-14T10:41:00.001-07:00

Mother nature may be reminding us today that Spring is not here, but it will be soon enough! If you live in the Midwest, here are maintenance jobs you should complete in the spring & summer to prevent costly repairs and keep your home in top condition. (courtesy of: HomeLogic)

- Clean your gutters and downspouts
- Inspect your roof for winter damage
- Take a close look at your chimney
- Examine your drainage
- Take a look at your siding
- Schedule your biannual HVAC appointment
- Check your CGCIs

Huntington Farms - New Listing

2011-03-08T13:25:00.000-08:00

101 E 126th St
Kansas City, MO

*$5K towards finishing basement w/ acceptable offer!!* Newer home still shows like a model!! Large open kitchen w/ granite island, dble oven, vented downdraft & walk-in pantry. 2 fireplaces (living room & master bedroom), walk-in closets, surround sound throughout home. Walk-out basement stubbed for plumbing w/ 2 large patios backs to green space. Deck off kitchen for grilling. Blinds on all windows, storm doors, security system & central vac. Sprinkler system & decorative curbing. MUST SEE!!

Are You Thinking About Remodeling Your Home?

2011-03-06T11:09:00.000-08:00

I went to the Remodeling Show a few weeks ago in Kansas City and picked up the Remodeling KC magazine. It had a lot of great information & tips on Remodeling. Here are a few things to consider:

Check out the National Association of the Remodling Industry (NARI). It is a not-for-profit trade association committed exclusively to the professional remodeling industry and to homeowners. This is a good source to use for finding a contractor!

When planning a remodel, here are a few details to think about:
- location of electrical outlets, telephone jacks & cable hook ups
- types of lighting
- blending the design of a new living space into existing living space
- current and future storage needs
- universal features to accomodate the needs of a broader range of people.

Successfully Selling HUD Homes

2011-03-01T13:36:00.000-08:00

Last week Carrie Cowan & I went to a HUD class presented by Vanessa Wilde. It was VERY information. Here is some of the information we learned. - Jodi

- HUD properties are FHA Foreclosures. Once the private mortgage insurance pays off the loan & they become the property of the government.
- HUD now has three asset management companies: Pemco, Matt Martin & HomeTelo.
- You can find all active HUD Listings at: www.hudhomestore.com. This site will have the most up-do-date status. If it's not on here, it probably has a contract. Check here first!
- All agents must register with HUD & HUDHomestore.com
- Properties are listed daily! (even on the weekends)
- Make sure you check the top of the listing for eligible bidders and bid submission deadline.
- If your buyer is getting FHA financing, the property must be E (insured escrow) and buyer must have escrow money for repairs (determined by HUD) which can be factored into the loan (FHA 203B long w/ repairs in escrow)
- The repairs escrow is held by the bank/lender until repairs are made. It's a case by case decision on how funds are released.
-If the property needs over $5k in repairs, it is NOT insurable
-FHA appraisals have typically already been done on the property and are usually online.
- All HUD properties close at Northwest Title Co. (816.792.3335)
- There are potentially 5 different HUD keys (vs the one universal key we all use to use). You MUST call co-op to schedule an appointment. Many HUD homes now have lock boxes on the property. Also, please sign the login form inside each home.
- Commission is now 3% for the buyers agent with a minimum flat commission of $1250.
- There may be multiple back-up contracts on a property and you are now unable to see other bids on a property
- Earnest money depends on the asset management company. HomeTelo & Pemco are $500 (up to $50k) and $1000 (over $50k). Matt Martin varies per property.
- HomeTelo typically has a 20 day cash closing, HOWEVER, it doesn't always close on time therefor you MUST file an extension (which includes a fee). Prepare your buyers for that!
- Typical financed closings are 45 days.
- If an offer is CANCELLED, it means the offer was reviewed but NOT accepted.
- If you are given a "bottom dollar" amount, make sure to add in your commission and any other costs!
- HUD listings are already designated selling agents, however, they will not sign the Agency Amendment
- you MUST have approval from the asset manager to do inspections (and get utilities turned on)
- only Active/Live termites will be treated
- HUD will correct lead based paint issues if it is under $4k.
- ALWAYS print the contract when you submit a bid online! There are certain areas that will be auto-populated and others you will need to write in.
- MUST include: Husband & Wife, Single Person, etc for contract to be accepted
- Earnest money to be held by: HUD Designated Closing Agent (#3 & #9)
- If buyer is paying cash OR getting conventional financing, make sure to check last box on #4
- Make sure #12 is initialed by buyer

Great Time, Great Cause - Hoops & Sneakers Gala

2011-02-28T19:00:00.000-08:00

I can now cross "attend a gala" off my list of things to do! (ok, so it wasn't actually on there but it should have been!!)

As I mentioned in a previous blog, this was my first year on the American Diabetes Association Gala committee. I joined the committee because my good friend Jen Miller was on the committe AND because Linda Crider (who I'd worked with when I volunteered for the Relay for Life) now works for the ADA and was in charge of the Gala. These are two women I admire and love working with.

The event was Saturday evening at the Hyatt Crown Center. There was music, auctions and dancing. The black lab I helped foster raised $1200 and I won (silent auction) tickets to the roller derby!! My friend Terri went with me and we sat at a table with some great couples. It was a great night and I can't wait for next years event!

Here are a few pics from the night:

Tricks to Help You Slash Your Electric Bill

2011-02-28T07:20:00.000-08:00

It's been a very cold winter and electric bills are high. Here are some great tips from American Home Shield for keeping your bills low.

10 Tricks to Help You Slash Your Electric Bill

If you’re looking for ways to help you save more and spend less, one of the best places to start could be right at home. Put these tips to work to help cut your next electric bill.

10. Install Motion Detectors on Lights. Kids are notorious for leaving lights on by accident. This easy trick can help you say goodbye to wasted electricity—and high bills.

9. Wash Clothes in Cold Water: Since most of the energy used by top-loading washers is to heat water, washing in cold can help you save each month.

8. Tint Home Windows: For windows that get a lot of sun, you can add a layer of solar window film to deflect sunlight and conserve energy.

7. Program Your Thermostat: Simply set it to raise or lower your thermostat for the times when you're not at home.

6. Unplug Appliances: Even when they're not in use your toaster, laptop and can opener drain power. So unplug them and save.

5. Wash Your Lint Trap: Since dryer sheets can cause a transparent film that burns out the heating unit, it's vital to wash your lint trap with hot, soapy water every 6 months.

4. Change Your Showerhead: Replacing it with a low-flow head can use less water per minute - so there's less to heat.

3. Cook on the Back Burner: By turning on your exhaust fan and using the rear burner on hot days, warm air will be sucked out, which minimizes AC use.

2. Change Your Lightbulbs: Compact florescent bulbs use a quarter the electricity and last longer than regular bulbs. And, they're the environmentally responsible choice.

1. Check Furniture Placement: Rugs or furniture that block a vent can really cost you. Move them and save!

Top 10 New Kitchen Trends

2011-02-28T07:12:00.001-08:00

Top 10 New Kitchen Trends in 2010

More and more homeowners are remodeling and making the most of their space with these top 10 hot trends in the kitchen.

1. Kitchens are now featuring a “family room” feel with more seating and dining areas.
2. The most popular color choice for cabinets was white. It works well with almost any architectural style – traditional to contemporary.
3. Stainless steel appliances are still a big hit, especially the fingerprint-resistant steel finish.
4. More and more kitchens are featuring custom additions such as pizza-making stations, coffee bars and wine-tasting nooks.
5. Walk-in pantries are popular for families and allow for ample storage of surplus items and bulk purchase like paper towels and canned goods.
6. Tech-savvy kitchens are featuring more electronics, like wall-mounted televisions and built-in sound systems.
7. Eco-friendly kitchens boost water-conserving faucets, energy start appliances and eco-friend cabinetry.
8. Built-in appliances that look more like cabinets are popping up across the country.
9. Lighting can convert from well-lit workspace to dimly lit formal dinner with the flip of a switch. Recessed lighting combined with chandeliers will do the trick.
10. A save-and-splurge mentality helps keep remodelers on budget. Choose to splurge on appliances instead of countertops or a built-in wine rack instead of a porcelain sink.

American Home Shield is providing the information for general guidance only. Due to the general nature of the property maintenance and improvement advice in this material, neither American Home Shield Corporation, nor its licensed subsidiaries assumes any responsibility for any loss or damage which may be suffered by the use of this information.

©2011 American Home Shield Corporation and its licensed subsidiaries. All rights reserved. Privacy Policy

Will You Be My Friend?!

2011-02-23T18:44:00.001-08:00

With all the technology and social media out there, how do you decide who you are going to be "friends" with?!

For me, here's what I do on the various social networks:

Facebook - I prefer to KNOW you. If we have a bunch of mutual friends that are either from high school or networking and I'm not 100% sure who you are, I will typically accept your friend request. If I'm not "impressed" by status updates, I will defriend the person. If I have NO idea who you are and you don't send me a message, I will not accept your friend request. Of course everyone can become a fan of my Fan Page!

Twitter - I don't have my twitter account blocked and anyone can follow me who would like. I am selective about who I follow back. I follow a good percentage of the people that follow me but if it's obvious you are spam, I will not follow you. I do not auto-follow anyone and I DON'T like auto-DMs once someone follows you.

Linked-In - I accept almost all invitations to connect on Linked-In. Currently this is probably my least visited social media site.

What is your "criteria" to determine who you will be friends with on these social media sites?

Technology is Simply a Tool

2011-02-22T10:25:00.000-08:00

The following quote was in a blog post by Jon Cheplak that my broker sent me. I think it's very true. I love technology and all that is does, but if you don't have personal relationships, technology is not going to "fix" the problem!

"Technology is simply a tool to support us in our relationships with today’s online consumer, accommodating the evolution of human behavior and expectations that go with it. Tech is not designed to remove the “human experience/interaction” in our business, it is here to enhance the experience in how and where we play and interact today. We must evolve to creating an online experience for the online consumer facilitated by an online agent not forgetting many of the traditional ways of doing business. Same old stuff you’ve heard over and over, right? My question…are you taking the action and committed or just givin’ it a whirl?"

Metropolitan Lawn & Garden Show

2011-02-17T13:32:00.000-08:00

This past weekend I went to my first Lawn & Garden Show. It was held at the American Royal by Kemper Arena in downtown Kansas City. There were rooms for Lawn & Garden, Home Remodeling & Green Living. We didn't have time to go to the Green Living area. I had never been before. I was a little dissapointed in the number of booths and such but I did get a lovely Orchid (see above) that I am hoping to keep alive. I also have an appointment on Monday for a free estimate from a landscaper about my front yard. (if you remember, I had all the bushes torn out last summer after I got poison oak!). I'll keep you posted on the landscaping project!

3 New Upgrades to Facebook Pages

2011-02-14T08:54:00.000-08:00

You probably noticed some changes to Facebook fan Pages in the last few days. Check out my fan page: Realtor Jodi Danziger Here are the changes & thoughts by Inman news writer Katie Lance:

Just Released: 3 New Upgrades to Facebook Pages

Just yesterday there were 3 new changes that were announced that I am super excited about:

1.You can navigate and interact with other areas of Facebook as your Page. This means you can choose to receive notifications about fan activity, Like and comment on other Pages as your Page, and get your own News Feed where you can engage with the latest and most important news from other Pages you like.

2.There are new opportunities for Pages to share. You can feature photos of your Page’s most recent experiences at the top of your Page. You can highlight other Pages you are connected with as well as the people who are managing your Page.

3.Make your Page even more engaging for users. The “Everyone” filter on the Wall provides a new way for people to see the most interesting posts first. There is also a place for people to discover the friends and interests they have common with your Page.

I upgraded all of our our pages yesterday and was very pleased with how easy it was. I really like the new features – especially the option to interact with other pages as YOUR page. I love this new feature – because I use Social Mention to monitor when people are mentioning our brand name or sharing our content (excellent tool – it’s similar to Google Alerts, but for social media.)

Previously, if I wanted to communicate with them or thank them – I would have to do so on their page with my personal profile – now I can do it as a page admin (i.e. I can leave a comment as “Inman News” or as “The Future of Real Estate Marketing Blog.”)

ALSO… and this is HUGE – you can NOW change the category of your page – WHOOO HOO!!! So if you prefer to not have a real estate page but more of a community page you can now do this with your page.

Last thoughts…

Every time Facebook has a change there is always the “scary” factor – the simple fact that they can change or edit anything at any given time. My advice has and always will be – don’t let ALL your content live on Facebook – if Facebook were to go away tomorrow where would your content live? This is why I highly recommend posting most or all of your content on your blog – preferably a WordPress blog.

Would love your thoughts on these new changes – leave me your feedback below!

Written by: Katie Lance, Senior Marketing Manager, Inman News @katielance

Hoops & Sneakers Gala

2011-02-11T06:07:00.003-08:00

After taking some time off from volunteering, I joined the American Diabetes Association's Gala committee a few months ago. We are quickly approaching the big event, the Hoops & Sneakers Gala on February 26th! I am very excited for my first Gala and to help raise some money for a great cause!

There are a ton of auction items including this ADORABLE lab puppy! I have gotten the honor of helping to foster him until the gala. He is VERY loveable and has a GREAT personality! My friend Kristin & I are taking turns watching him until the event. He'll be socialized with dogs and kids!

Check out www.diabetes.org/hoopsandsneakers for more information on this great event!!

Hoops

2011-02-11T06:07:00.001-08:00

What are these funny looking bar codes?

2011-02-08T11:57:00.000-08:00

I'm sure you've seen QR codes popping up everywhere. Flip through any magazine and you will see them on a number of ads. What are these? They are bar codes that can send you to a website or information for a company. You can easily download an app from many cell phones (I personally use ScanLife) to quickly scan the code and see usefully information from many companies.

These codes are still growing in popularity in the US. It is still undetermined if they will fully take off but they are very popular in Europe & Japan providing mass transit schedules and restaurant menus.

I have played around a little with QR codes but definitely have not used them to their full extend. Do you use QR Codes? Have them been successful?

The Tax Benefits of Home Ownership

2011-02-04T12:52:00.001-08:00

The tax benefits of home ownership
Real Estate Tax Talk

By Stephen Fishman
Inman News™

February 04, 2011

The tax benefits of buying a home include:

Home mortgage interest deduction: The interest paid on a mortgage or mortgages of up to $1 million for a principal residence and/or second home is deductible as an itemized deduction. In the early years of a home loan most of the payments consist of interest, so this deduction is particularly substantial during the first years of home ownership.

Depending on the state a buyer lives in and his or her tax bracket, this deduction can reduce the cost of borrowing by one-third or more.

Home equity loan deduction: Homeowners can borrow up to $100,000 against the equity in their home and deduct the interest as an itemized deduction. The money can be used for any purpose, such as paying off high-interest credit card debt. In contract, the interest on credit card debt is not deductible.

Property tax deduction: Homeowners also get to deduct from their federal income taxes the state and local property taxes they pay on their home. This is another itemized deduction that renters don't get.

Deductible home buying expenses: Various closing costs ordinarily involved in a home purchase are also deductible as itemized deductions, including loan origination fees (points), prorated interest on a new loan, and prorated property taxes paid at settlement.

$250,000/$500,000 home-sale exclusion: Perhaps the greatest tax benefit of owning a home comes when a person sells it at a profit. Homeowners who lived in their home for two of the prior five years prior to its sale need pay no income tax on a substantial amount of their profit -- $250,000 for single homeowners and $500,000 for married homeowners who file jointly. This exclusion can be used once every 24 months.

14 days of free rental income: Another little known tax benefit of owning a home is that the owner can rent it out for up to 14 days during the year and pay no tax at all on the rental income. In contrast, a renter who sublets his or her rental must pay income tax on all the rental income he or she earns.

Tax benefits of renting:

The only tax benefit that a renter can qualify for by virtue of being a renter is the home office deduction. This is a business deduction available to renters who own a business and have a home office they use regularly and exclusively for business purposes.

Some employees can qualify for this deduction as well. The deduction is limited to the amount of profit earned from the business each year. If a renter pays a lot of rent, this deduction can be substantial. Homeowners who are in business and have a home office can also qualify for the deduction.

Of course, the value of the tax benefits of buying a home depends on the state the buyer lives in and his or her tax bracket. Buyers who live in high tax states like New York or California get the most benefit.

This is why the blanket statement "it's always better to buy than rent" is not always true. It all depends on the buyer's individual circumstances.

You should encourage prospective buyers to run the numbers. There are some excellent websites you can refer clients to that have online calculators they can use to compare the costs of renting vs. buying a home.

A good rent vs. buy tool can be found on the Smart Money Magazine website: http://www.smartmoney.com/personal-finance/real-estate/to-rent-or-to-buy-9687/.

Freddie Mac also has a good online calculator: http://www.freddiemac.com/corporate/buyown/english/calcs_tools/.

Stephen Fishman is a tax expert, attorney and author who has published 18 books, including "Working for Yourself: Law & Taxes for Contractors, Freelancers and Consultants," "Deduct It," "Working as an Independent Contractor," and "Working with Independent Contractors." He welcomes your questions for this weekly column.

Best Bathroom Floors

2011-02-03T14:18:00.000-08:00

One of the items on my "to do" list for my house is redoing my bathroom & kitchen floors. I bought my home from a rehab company so they put down your basic linoleum. It doesn't look bad, but it gets VERY dirty in the kitchen and is starting to peel around the shower & tub in both bathrooms. I would LOVE to tile both bathrooms and the kitchen. The tile work and grout is easy for me, I just would need help laying the flooring for under the tile and removing the toilets (in the bathroom) and fridge (in the kitchen). The article below has some good ideas for bathroom flooring!

Best bathroom floor: tile, vinyl or wood?
Minimizing the 'slip-and-fall' factor
By Bill and Kevin Burnett
Inman News™

February 02, 2011

Q: In a recent column, a reader's peel-and-stick bathroom flooring was coming up and you recommended putting down tile in the bathroom. My experience with tile has been that it gets very slick when wet, which would certainly be problematic in a bathroom.

Is there a type of tile one can use in a bathroom and/or kitchen that would allow you to have the beauty of tile but not the "ice rink" effect when it gets wet?

A: We've had the same experience with tile floors. Step out of the shower and va-va-voom -- on your tail you go.

Often, bathroom tile is glazed, shiny and smooth. A simple solution is to use rubber-backed bath rugs over the tile to keep your footing. But we understand that covering most of a tile floor with a rug is not very practical. So here are a couple of alternatives.

First, if you choose a tile floor, avoid glazed tile or marble. Instead, pick a material that's either textured or has a matte finish. They provide more traction and a better chance to keep you upright.

Kevin recently visited a friend in San Mateo, Calif. She had just completed a total remodel of her home. She installed textured ceramic tile in both the master and guest baths. She was very aware of the slip-and-fall factor, thus the textured finish. Kevin test-drove the shower in the master bath and found that a rug was necessary when stepping out of the shower, but when the rug soaked up the water from his feet, the textured finish performed fine.

Another tile alternative is Saltillo. This is a porous terra-cotta tile from Mexico that requires regular sealing with a quality acrylic sealer. The plus is that it's got a skid-resistant surface. The minuses are the maintenance factor and the tile's irregular shape. If you're looking for uniformity, this option is not for you. But if you're after a rustic look, this may be the ticket.

Now, don't fall over in a dead faint, but another alternative you might consider is an engineered wood floor. It's not for everyone, but it might work for you.

The negative, of course, is that this type of floor doesn't withstand large amounts of water well. If this is the only bathroom and there are kids, wood is not an alternative. But if the bathroom is adults only, the beauty of wood is a definite alternative.

Engineered wood consists of a top layer of hardwood -- bamboo, for example -- that is pressure-glued to alternating layers of plywood. The cross-grain construction gives the flooring good stability, unlike its solid wood counterpart. Also, the factory-applied finish is water-resistant. Notice, we did not say waterproof.

Because Kevin's wife, Heidi, is absolutely against a tile floor (she says if he lays it, she'll take a hammer to it), engineered wood is starting to look like an alternative. We suggest you go with a "floating floor" to mitigate the moisture changes in the air and allow the floor to move a little with changing humidity.

A wood floor will provide more traction than smooth tile, but will still require a rubber-backed bath rug for entering and exiting the tub or shower and to reduce the amount of water on the floor.

The bottom line is that there's no perfect solution. Water will have its way. For our money, a matte, textured tile is the best solution followed by a top-quality sheet vinyl or linoleum.

Spammers - Be aware!!

2011-01-31T08:54:00.000-08:00

Spammers are EVERYWHERE! I really do wish they'd find a life and do something productive with their day. Until then, we all need to BE CAREFUL!! I'm sure we all get plenty of Spam in our emails, hopefully most goes into your spam folder. I have been getting a lot lately on my 1154 Lill email account requesting money for a dying friend. DELETE. Facebook spam is also becoming more common (she article below). Bottom line, if it seems too good to be true, it probably is. And if you aren't sure if something a friend posted is real or a scam, ASK before you click.

Be careful everyone!!!
Jodi

Facebook Just the Latest to Battle Hackers
By Sarah Lundy

RISMEDIA, January 31, 2011—(MCT)—Facebook is the latest hot spot for swindlers in search of new victims.

And the world's most popular social networking website can be a gold mine for such crooks, experts say.

Scams on social media sites are much the same as the ones you may have received as e-mail, said Kevin Johnson, a consultant for Secure Ideas, which does security research.

"The big difference in the (social networking) scams is the level of trust that the users have," he said. "People trust them more than they trust e-mail."

Over time, we've become leery of unusual e-mails with strange links, but many people's ingrained suspicions of e-mail scams have not carried over to Facebook. The social network tries to keep track but isn't responsible for everything on its site.

Cybercriminals on Facebook today come cloaked as real friends sending messages asking you to wire them money in a foreign country or posting a note on your wall with a funny video that's really a dangerous link.

The scammers are smart, sneaky and hoping you fall for their tricks. They do it for various reasons, including stealing your identity or using your personal data to sell to marketers or simply spread malicious software that can destroy your computer.

They lure victims many ways, such as offering fake gift cards or a chance to win gadgets simply by clicking on a link or that oh-so-common Facebook "Like" button. But to win, the con artists say, you have to answer some questions and provide a cell-phone or credit-card number.

"People automatically trust that, if it's on Facebook, then it's probably secure and vetted by Facebook in some way," said Tom Eston, a senior consultant for SecureState, a security-management consulting firm.

But even Facebook admits that keeping its customers safe is difficult.

"Facebook faces a security challenge that few, if any, other companies or even governments have faced — protecting more than 500 million people on a service that is under constant attack," company spokesman Simon Axten said. "The fact that less than 1 percent of Facebook users have ever encountered a security issue on the site is a significant achievement of which we are very proud."

Facebook has created a system to combat identity theft, viruses and suspicious log-in attempts. Its security team looks for strange activity that may mean an account has been compromised. The company can delete fake messages and block links. And it does go after scammers in court.

"Security is a constant arms race, and our teams are always working to identify the next threat and build defenses for it," Axten said.

Other companies try to warn customers if their brands get caught up in a scam.
Back in March, fake gift cards popped up for the Olive Garden. The chain posted a message on its Facebook page, warning customers about the scam.

"Once we're aware, we take steps to inform our guests and work with them if they're inconvenienced in any way," Olive Garden spokeswoman Heidi Schauer said.

It's not always easy to tell the difference between a legitimate offer and a fake one.

Experts suggest that users — before clicking on a link — check out any deals first by going to a company's website, examining its Facebook page closely, seeing how many fans the page has and, of course, using common sense.

Some scams involve con artists who use Facebook to contact potential targets. Several parents, for example, recently filed complaints with the Internet Crime Complaint Center, which partners with the FBI, about a Facebook modeling contest based in Florida.

One mom said she paid $5 to enter her son in the contest, from which the winner was supposed to receive a photo shoot for a clothing line and a paid trip to Miami. She began questioning the offer when the organizer asked for her son's birth certificate, Social Security number and credit-card information, according to the complaint, which is pending.

Earlier this month, authorities nabbed a Key West man and accused him of extorting sorority members and pledges at several universities. He had contacted the women through Facebook and demanded they provide racy photographs and web-camera transmissions of themselves. He threatened them, saying their sorority membership depended on their compliance, officials said.

Law-enforcement agencies throughout the world are battling these issues.

In Thailand, a university student on Dec. 4 was arrested for using another student's name to create a fake Facebook page, connect with other people and swindle them out of some of their money.

It's challenging to track down wrongdoers who could be accessing the web from anywhere in the world. In the Sunshine State, the Florida Department of Law Enforcement, which handles some cybercrime cases, prioritizes its cases and goes after violent offenders first.

"The scams are so widespread and so huge that it's hard for anyone to really tackle it," FDLE Special Agent Supervisor Mike Phillips said.

Another source of scams involves the third-party software applications allowed by Facebook. The social network invites developers to create software programs for games, entertainment, businesses and shared interests. So far, there are hundreds of thousands of such "apps" available.

An app may seek permission to access a user's personal data. In most cases, that information stays with the developer, but some of them break the rules and use it for malicious reasons.

So should you stop using Facebook entirely?

"No, it just means we need to use it more carefully," said Johnson, the security consultant. "We need to understand what we are sharing and understand the threat that sharing presents."

(c) 2010, The Orlando Sentinel (Fla.).
Distributed by McClatchy-Tribune Information Services.

Cable Update

2011-01-29T12:40:00.000-08:00

...well, I TRIED. I TRIED to save over $20/month by switching to Dish Tv. Unfortunately, I have way too many trees around my house and there is NO sight view for the dish. Darn. I was afraid of that but had hopes that they'd be able to figure something out. Guess I'm back to square one and Time Warner Cable. I don't HATE TWC, I do have a few issues, but my biggest concern was the high price tag.

Maybe another cable provider will come to my area soon!

I'm cutting the cord...

2011-01-26T18:29:00.001-08:00

...on my home phone!!

Yes, I'm really going to do it. After much thought, I'm going to get rid of my home phone line! It's been a hard decision, but I think I can do it! My contract with Time Warner Expires Febuary 7th. BOTH of my home phones have issues. I could go out and buy two additional phones ($80+) or get rid of them both and cut back on my bills in the processes. Very few people call me on my home phone line - my Gram doesn't even use it! Many of my friends and my parents will usually try the home phone first and then call my cell. And I've gotten HORRIBLE about checking my home phone voice mail since my phone downstairs stopped flashing to alert me of a new call. My dad learned a while ago that if I don't return a call for a few days it's usually b/c I forgot to check. He'll just call back if it's important! (I DO check my cell phone voice mails!)

So, I'm getting rid of the land line. I am also considering switching my cable service. Uverse is not availabe in my area so that isn't an option. I haven't heard anything good about Direct TV so that's a no as well. I'm highly considering Dish TV for my cable service after talking with them today. Their current deal is $25/mo for the first year and $40/mo for the section year. The similar package with Time Warner Cable is almost $95/mo!! (it's cheaper if you bundle). I will of course have to have them come out and determine if a dish can be put on my house and not blocked by my large trees.

I'll keep you posted on my decisions! I hope to make a decision by the end of the week...if not, definiately by the first week of February!

Pre-Sale Renovations - Do's and Don'ts

2011-01-26T18:27:00.001-08:00

This is a little long, but has some great information!

Pre-Sale Renovation: Home Seller Do's and Don'ts
By Dan Steward
RISMEDIA, January 25, 2011—You’ve probably seen those depressingly cheery home-themed TV shows: a couple needs to sell their house, they have an outdated kitchen, and a designer comes in and proceeds to convince them to renovate the kitchen into a stainless-steel-clad shrine to culinary greatness—for tens of thousands of dollars. In an ideal real estate market, that would add value, but in today’s market, expensive pre-sale renovations, for the most part, aren’t worth it. The numbers bear this out: In general, a home remodel will cost quite a bit more than you’ll get back when you sell; remodels done in 2010 will only recoup 60% of their price when the house is sold, according to Remodeling magazine's 2010 Remodeling Cost vs. Value survey, done in partnership with the National Association of REALTORS® (NAR).

Two of the areas that potential buyers are often most pressured to remodel before selling are the kitchen and bathroom. Here, we’ll tackle both of those rooms, and let you know what to do—and what to avoid—when considering a pre-sale renovation:

Kitchen
-Don’t put in expensive professional-grade cook’s appliances. You may choose a tricked-out, $10,000 Wolf stove, but the buyer may be a loyalist to Viking. Or, even worse, the potential buyer might be a take-out addict.

-Do, however, service the appliances you have, so that they work perfectly. And, if you have seriously outdated appliances that can be replaced for $1,000 or less (like swapping a dingy old fridge for a basic new one), that’s a good idea. Similarly, if there are any appliances that you lack, which most buyers consider essential, it makes sense to buy one (like a dishwasher—you can get a nice model for under $1,000).

-Don’t replace your cabinetry entirely—even if it’s a little outdated. It’s just too subjective. You might think sleek, white Scandinavian cabinets are the way to go, but you’ll be in a bind if your potential buyer prefers dark wood.

-Do invest in cabinet refacing if your cabinets are extremely outdated. Many refacing companies will give your cabinets a fresh façade for well under $2,000, and it’s a good investment in creating a positive impression of the room without doing a pricey knock-down.

-Don’t go granite crazy. Or marble. Or etched-Murano-glass-accented tile. Spending thousands of dollars on a new countertop and backsplash is downright dangerous, as there are so many different options these days, it’s impossible to find one that will please most people.

-Do hire a professional cleaning company to come in and make what you have sparkle. While this won’t magically make your tile look magazine-spread-worthy, it will certainly make it look a lot better, as discoloration from age often makes tile look even worse.

Bathroom
-Don’t do expensive tub/shower repairs or replacements. Just like with the big-ticket kitchen fixes, this is a matter of taste. If you put in a round jetted tub, what if the buyer wants square? And is an amethyst-crystal steam shower really something everyone will love?

-Do replace dated bath and shower fixtures; this can be done generally quite inexpensively. For instance, if you have a 30-year-old, tiny showerhead, replacing it with a large, rainwater-style model will lend a subtle spa-like quality without costing a lot.

-Don’t replace your smallish vanity with a new, built-in model. A lot of remodelers emphasize the intrinsically relaxing qualities of having all your toiletries, towels and even reading material beautifully organized in one big unit made of high-end wood, marble and chrome. And it is certainly beautiful. But it’s also a risky choice, and a matter of taste.

-Do freshen up the vanity area. Invest in a big mirror and put bright lights over it. And a few hundred dollars spent on a nice faucet is well worth it, as, like the showerhead, it’s a true basic—and updating the basics, in most homes and markets, is all you should be focusing on.

Other tips for redoing your kitchen and bathroom frugally

Kitchen:
-Declutter your counters. A disorganized kitchen is a buyer-deterrent. Clean up the counters and pare down countertop items to the essentials—toaster, microwave, coffee pot and not much more than that.
-Keep your pantry and cabinetry clutter-free too. You don’t have to alphabetize your cereals—just know that potential buyers will probably open those cabinets, so they won’t want a ladle falling out on their head.
-Give your kitchen table or breakfast bar some life. It’s simple—placemats, a colorful vase or two and a tasteful flower arrangement will reinforce the idea that the kitchen is the heart of the home.

Bathroom:
-If you want to add a little life to the wall, try a simple, straight-lined wood or stainless-steel floating shelf with a few candles on it. It’s an elegant, boutique-hotel touch that doesn’t cost much.
-Toss down a colorful floor mat. Bathrooms are often devoid of color; this is a great way to add that color, and a little warmth.
-Again, clear clutter. Even your beauty essentials shouldn’t be on the counter if you’re in the open house stage.

Dan Steward is president of Pillar To Post Professional Home Inspections.

For more information, visit www.pillartopost.com.

RISMedia welcomes your questions and comments. Send your e-mail to: realestatemagazinefeedback@rismedia.com.

Copyright© 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

The longest wait for a decision

2011-01-16T19:05:00.000-08:00

Talk about a stressful week. I had a contract on my listing that was set to close Jan 20th (yes, that would be this coming Thursday!). Well, on Tuesday, the buyers decided that it was going to be more work (all cosmetic) than they wanted and were thinking about cancelling. We came back with our best offer on Thursday night. We waited, and waited and waited for the buyers to make a decision. I have NEVER had anyone take sooo long to make a decision. Talk about stress. I think the majority of my calls and texts were to and from my clients. (thankfully they are awesome which made this whole thing much better!). Well, around 1pm today (SUNDAY!) we finally got our answer - they still wanted the house! whew. Since Monday is a holiday we have to wait until Tuesday to find out exactly when we can close. I am sooo happy this all worked out. My clients are moving to Alabama.

Not knowing for so many days sucked and was super stressful but I'm so thankful for awesome clients and that everything is going to work out! I can finally breath a sigh of relief!

10 Ways to Spruce Up Your Blog

2011-01-12T11:37:00.001-08:00

Here are some GREAT tips to spruce up your blog & its content. Do you have a blog? Let me know the address, I'd love to read it!

10 Ways to Spruce Up Your Blog
By Stephanie Andre

RISMEDIA, January 12, 2011—Social networking is all the rage in marketing these days but as we all know, you could have thousands of friends on Facebook and tons of followers on Twitter, but if you don’t have something relevant to say or any good information to offer, it won’t matter much.

Enter the blog. Blogs are a great way to discuss a point more thoroughly than you could on a Facebook post or a Tweet. While blogging—like all social media—is a constantly evolving platform, there are some basic points that you should always be cognizant of.

Here are 10 tips from typepad.com on how to improve your blog:

1. DO write about topics that you are passionate about.
When you write about topics that excite you, your writing will communicate a sense of energy that will attract like-minded readers. You'll also be more likely to keep on blogging, and won't abandon your blog after a few days or weeks.

2. DON'T take a too-formal tone.Blogging is a more informal medium than print, and your writing style should reflect that. Blogging allows you to write in a casual, face-to-face tone, as if you were sitting down for a cup of coffee with your readers. One way to begin to develop your blog "voice" is to read blogs that resonate with you and study the ways in which those bloggers choose words that maintain a professional tone while still being warm and accessible.

3. DO edit yourself.Hey, it's your blog, right? You can write a 2,000-word essay on what you had for breakfast, or wax eloquent about everything that is wrong with retail customer service. Don't do it. Once you draft your post, read through it for redundancies, irrelevant anecdotes or anything that isn't vital. You might find that you have enough material for two or three unique posts. Your blog isn't a book; make it lean.

4. DON'T use tired clichés.
A cliché is a phrase that has been coined for so long that it has become boring. An easy way to turn off readers and make them move on to another site is to pepper your posts with clichés like "right as rain" and "easy as pie." Take a minute to prune those phrases out and replace them with something fresh and original.

5. DO spell check your posts before you click "Publish Now."Watch out for common misspellings that won't show up on the spellchecker, such as "your" versus "you're," "their" versus "there," and "principle" and "principal." For extra spelling help, use www.dictionary.com.

6. DON'T forget basic principles of good text layout.Readability is one of the most important aspects of good blog copy. Use line breaks between paragraphs. Use subheads, preferably in bold type. Use italics for emphasis. Your goal is to draw the eye and create a smooth sense of flow throughout your post. Make it easy to read!

7. DO use lists.
Most blog readers skim copy rather than read it all the way through.
One way to maximize your copy impact is to use lists. Bullet lists or numbered lists call attention to important points, and ensure that readers who are skimming will catch the most vital part of your post.

8. DON'T use the same format in every post.Mix it up a little! Some might incorporate lists, while others might be more narrative. Some posts might include a lot of images, while others will be more copy-heavy. Don't do the same thing every time.

9. DO create descriptive headlines that let readers know what to expect from your posts.
One of the best things about blogging is that it allows you to be creative. Problem is, what is clever to you might be confusing to someone else. The best way to encourage more people to read your post is to write a compelling post title, and use subheads throughout your post.

10. DON'T sweat it.
Don't let these guidelines keep you from blogging. The most important thing is to keep writing. If you write with passion and conviction, you’ll be able to connect with other people, and your writing will improve every time you post.

Source: Typepad.com

Making that First Impression

2011-01-10T13:23:00.001-08:00

Making that First Impression
By Dan Steward

RISMEDIA, January 10, 2011—When getting a home ready to be put on the market, it is crucial that home sellers understand the importance of making a good first impression. While many sellers become overwhelmed with the amount of changes they think must be made before their home is listed, there are only a few areas that really matter.

People decide within 30 seconds of walking into a home whether they might want to buy it, so it’s crucial to make a great first impression. But nobody wants to overspend on anything these days, so it’s important to spend only on those things that really matter.

Based on our experience working with thousands of REALTORS® across the country, here is a check list that you can use with your clients that will make their homes more likely to sell and garner better prices:

Curb appeal. While people spend lots of time on details inside the home—to the point of, perhaps, baking cookies to create a welcoming aroma—too few focus on the real first impression: how the house looks as prospective buyers step out of their car.

Spending a little money on gardening can remove impediments, such as overgrown foliage. The effort can also brighten a home’s appearance and make it much more welcoming. A bit of gardening can help paint a scene, so possible buyers can see their kids playing in the yard or can imagine sitting outside in the evening with a glass of wine.

A survey by HomeGain found that spending $400 to $500 on fresh landscaping can add almost $2,000 to the price of the house.

What’s the condition? Conversely, not making repairs can cut the price of the house. The issue can be partially addressed just through eyeballing. Sellers should look for cracks, damaged paint and so on, trying to imagine the impression that buyers will have.

Sellers should also commission a home inspection, so they have their own view of the state of their home, before the buyers’ inspector begins aggressively looking for problems. Sellers who have their own report are better able to push back both about the extent of any issues and about the likely cost of fixing them.

Even if buyers aren’t turned off entirely by what they see as disrepair, they typically ask for $2–$3 off the price for every $1 of repairs that they perceive are needed, so it’s crucial for sellers to know that, say, the roof needs to be replaced. That way, the sellers can spend the $5,000 themselves rather than face a buyer demanding $15,000 off the price of the house.

Finding the right assistance. There are loads of services that help with staging, repairs, and so on—so many, that clients are often confused about which to use. Realtors often provide their expertise here and refer clients to businesses. That approach works great for many, but some want assurance. That’s relatively easy to provide these days, based on a little checking on search engines. Clients should also be encouraged to post queries on their Facebook pages, asking friends both to suggest businesses to use and businesses to avoid.

Dan Steward is president of Pillar To Post Home Inspections.

Maintenance Must-Dos

2011-01-05T11:43:00.000-08:00

By John Frank | February 2008
First-time buyers often don’t know much about home maintenance. You can help by giving them a maintenance schedule that’ll prevent small problems from turning into big headaches.

Our maintenance checklist was compiled with the help of Lou Manfredini, Ace Hardware’s home improvement spokesperson and star of the “Mr. Fix-It” show on Chicago’s WGN-AM radio, and Frank Lesh, president of the American Society of Home Inspectors and head of his own home inspection company, Home Sweet Home Inspection Co., in Indian Head Park, Ill.

•Change your furnace filters monthly. “It’s so easy to do but so critical,” says Lesh. Clogged filters decrease furnace efficiency and can cause breakdowns.

•Drain your water heater at least once a year. Sediment will drain out along with the water from the water tank. Removing sediment can prolong the heater’s useful life.

•Clean the coils. If you have baseboard heating units that use hot water, clear dust from the coils inside the units to maximize heating efficiency. Clean dust whenever you see it accumulating. If you have a hot water boiler/furnace, you should also oil the pump inside the furnace twice a year, says Lesh. Look for the three spots on the pump designated for oiling.

•Check your circuits. Test the performance of the circuit breakers in your electrical circuit box twice a year by flipping them off and back on. If you have a circuit that keeps shutting off with normal daily electrical use, call an electrician. A faulty circuit breaker could indicate a short in the wiring inside your walls.

•Watch out for drips. Check under sinks periodically to look for leaks or water stains that might indicate leaks. Catching a small problem early can prevent water damage. Use a plunger to clean out sinks and tubs whenever water doesn’t drain normally.

•Be aware of life spans. Water heaters, furnaces, roofs, and other key components of your home should be replaced before they fail, based on their average useful lives. Here’s a general ballpark of the life span for key components:

•Exterior house paint: 5-10 years
•Furnace: 15-50 years
•Roof: 13-15 years
•Water heater: 7-15 years
•Wood deck staining: 4-7 years

•Keep the wet out. Water is a major enemy of your house. Check each season for signs of water damage to your home. Flashing, the metal pieces used to seal the areas between roofs and chimneys and around doors and windows, are especially vulnerable to damage by wind or age. Loose flashing can let water seep under a roof or inside walls, which in turn can cause mold.

•Get to the bottom of things. Check your home’s foundation for cracks or gaps that could let in water or varmints. Also look at the ground around your house. As homes age, they often sink slightly below the surrounding ground. This settling lets water puddle against the foundation and possibly damage it, notes Manfredini. Doing major landscaping work also can cause changes to the ground’s pitch that let water flow toward the house.

•Look up. Chimneys take a great deal of weather abuse. Visually inspect them each year for signs of loose mortar or loose or missing bricks. Have the insides of chimneys cleaned every two to three years. Also check your roof for loose shingles or dangling gutters.

You can reach the staff of REALTOR® magazine via e-mail at narpubs@realtors.org.

Kansas City Restaurant Week 2011

2011-01-05T07:14:00.000-08:00

Looking for a way to try out some new restaurants in Kansas City AND support a local charity?? Kansas City Restaurant Week 2011 is right around the corner!!

Kansas City Restaurant Week
2011 Kansas City Restaurant Week
presented by Jackson Family Wines

Friday, January 21 - Sunday, January 30

A dining experience benefitting Harvesters - The Community Food Network
10% of the cost of each meal purchased from KC Restaurant Week menus will be donated to Harvesters in an effort to fight hunger in the Kansas City area. In 2010, this event raised more than $55,000, providing some 275,000 meals to our neighbors in need.

Kansas City Restaurant Week, presented by Jackson Family Wines, returns for the second year. Diners can enjoy delcious and budget-friendly meals at participating restaurants during the 10-day event. Select from multiple course prix-fixe menus, with lunch for $15 and dinner for $30.

Getting on a Plan with Your Finances

2011-01-03T10:19:00.001-08:00

For Your Clients: Getting on a Plan with Your Finances
RISMEDIA, December 30, 2010—New Year's Day is the traditional time for setting resolutions. But make them too lofty or unreasonable and by Valentine's Day, you will wonder what went wrong. GreenPath Debt Solutions trainers Megan Bridgett and Aimee O'Brien, offer up some simple and attainable ways for you to get financial goals in line in the first sixty days of the New Year:

On January 1, when you are still excited about your New Year's resolution, coordinate a family meeting. "It is important to keep all members of the family involved in the decision making process," said Bridgett. For instance, children can help save the family money by simply turning off lights when they are not in use and monitoring cell phone usage and charges.

January 1st-14th: Brainstorm on both your short-term and long-term goals. Short-term goals could occur within the next three to six months, and long term could be within the next few years. Try to make sure to keep them SMART:

Specific - Try to be as specific as possible. For instance, if your goal is to "save money," try to make it specific by saying "I want to save money in order to buy a new car."
Measurable - Another tip is to make the goal measurable. One way to do this is to identify an amount that you would like to get to.
Attainable - If goals are not attainable, you will easily be discouraged and will maybe give up.
Realistic - You will want to make sure that you are being realistic. For instance, if I had a goal of "Never eat lunch out while at work," this might not be realistic or possible. But if I changed it to "Eat out lunch once per week while at work," I am far more likely to stick with it.
Timely - Think of a time frame and a deadline for the goal to be accomplished. This will help you to stay focused and motivated.

The month of January: January 1st come up with a projected budget of your monthly expenses, breaking them into different categories: Groceries, clothing, entertainment, dining out, utilities, household bills, debts, etc.

"Then, for the month of January, hold on to every receipt," said O'Brien. Each week, go through the receipts together, and place them in to the different categories that you have identified. Each month, tally up the totals, and compare what you have spent to what you had projected. "People tend to spend ten to twenty percent over what they anticipated and projected spending," said O'Brien. This will help you to identify areas to adjust or cut back.

The month of February: Start making some cutbacks. "Think of areas that you feel you can cut back on, and identify how much you can cut back by," said Bridgett. "Make sure to stay realistic with this and do not cut out everything. Gradually make these changes to keep yourself motivated and excited."

Keep tracking your expenses. Use a notebook and compare at the end of the month. Any money that was saved possibly put in a family bank account. "Share the results with the family, so that they are a part of this accomplishment," said O'Brien. Each month, have another family meeting and celebrate your successes by doing something fun together as a family. This celebration does not have to be expensive. It could be renting a video and having "Movie Night."

Get through the first 60 days of attaining your goals and tracking your progress, and the next 300 days will find you saving, budgeting and tracking your way to financial success in 2011.

Happy New Year!

2011-01-03T08:52:00.000-08:00

Happy New Year!!

Can you believe it's 2011? Time flies when you are having fun!

This is going to be a great year!! If you say it, you'll believe it. 2010 didn't end so grand, but so far, 2011 has started off GREAT!! Just today we finalized my first Real Estate deal of the year!! We've been negotiating it since 12/30 but we finally came together!! Cross your fingers that it goes smoothly and closes on Jan 20th!!! Just the other day my client sent me a text saying he wanted to be my first sale of the year - I think we'll both get that wish!!!

Did you guys make a new years resolution? I typically don't, but this year I did!! I have two resolutions - one business and one fitness. My business resolution is to network more. I started that off last month by joining a networking group that offers tons of events throughout the month. I've already gone to 2 events and can't wait to go to more this year!! My fitness resolution is to stretch more. I am NOT flexible AT ALL. But I'm going to work on improving that this year! I bought a yoga mat at the end of November and I plan to action use it!

I hope you all have a happy, healthy & prosperous 2011!! Remember, I'm hear if you need anything, whether it's Real Estate related or not!!

Jodi

10 Tips to Banish Mold in Your Home

2010-12-23T11:19:00.001-08:00

Follow these 10 tips to drastically reduce the mold in your home:

1. Call in a home inspection professional to assess water-damaged areas.

2. Keep humidity low. Humidity levels should be under 40% in order for mold to stop its forward march.

3. Replace any carpets and furniture that have ever been significantly damaged (i.e., saturated in water), even if they look OK on the outside.

4. Carpet in the bathroom or basement? Don’t even think about it. And if you have it, get rid of it.

5. Use an air-conditioner during the summer. We know it’s not cheap to run the A/C, but if it’s in the budget, even setting it to 80 degrees when it’s 90-plus outside, will help. Use fans to circulate A/C most effectively.

6. Dust and clean furniture regularly, and vacuum carpets at least once a week (make sure your vacuum has a HEPA filter).

7. Provide adequate ventilation in hot areas. The kitchen and bath are two of the highest-risk rooms for mold. Install exhaust fans in the kitchen and bathroom.

8. When you’re shopping for house paint for big or small painting projects, ask the sales rep about mold inhibitors you can add before painting.

9. Does your central air system have a fan from the Ford Pinto era? If so, replace it with a high-performance electrostatic air filter. Your local HVAC technician can help withy this.

10. Don’t neglect areas underneath the house—have a professional drain and ventilate all sub-basement areas, especially crawl spaces.

Charles Furlough is vice president of Pillar To Post Home Inspections.

10 Real Estate Predictions for the New Year

2010-12-22T14:22:00.000-08:00

This is a bit long, but worth the read!!

10 Real Estate Predictions for the New Year
RISMEDIA, December 22, 2010—The start of a new year is often a time of reflection, as well as a time of anticipation for the future. It’s no different for real estate professionals, many of whom have weathered the recession and are now optimistic about 2011. From the return of new construction to the creation of healthier homes, the following are 10 residential real estate trends they see for the coming year:

1.) Building is back: After three years of little to no new development, John Wozniak of Wheaton, Illinois-based J. Lawrence Homes said the builder is excited about 2011. “After a couple of very challenging years, the market for new-construction housing is showing signs of life. Slowly but surely, homes are selling and new properties are breaking ground, such as the two communities we opened this year in Lynwood and North Aurora,” he said. “We’ve had encouraging sales and I believe they point to an uptick for 2011.”

2.) Apartments continue to thrive: If there has been one bright spot over the past few years in the real estate industry, it has been the rental market.

“People have realized the many benefits of renting, from having more flexibility with your housing commitments to a higher level of finishes and amenities. And, this demand will continue to outpace supply,” said Steve Fifield, president of Fifield Cos. “Appraisal Research reports that Chicago’s Class A downtown apartments are at a nearly 95 percent occupancy rate, and those numbers will continue to stay very strong for 2011.”

3.) Opting for established: The mega-communities in the exurbs are a thing of the past, said Brian Brunhofer of Meritus Homes. Instead, 2011 will see builders move toward smaller neighborhoods or pockets of homes in established communities. “Close-knit communities with respected homeowner associations, mature landscaping and neighbors waiting to greet you – that attractive quality of life is going to appeal to buyers much more in 2011.”

Seconding the movement toward established communities is Jeff Benach of Lexington Homes. “Buyers are looking for a safer investment for their home purchase,” he said. “We won’t see them roll the dice like in the past on a fast-growing town in a far-out suburb. They want a proven area with access to retail development and employment corridors. They don’t want to wait for the surrounding area to be built. They want everything already in place,” he said.

4.) Make it modern: Chalk it up to “Mad Men” or simply a pendulum swing in taste, but either way transitional and warm-modern design will be prevalent in 2011, said Brian Goldberg, a partner in LG Development Group. “Our clients are looking for a cleaner approach to the style of their homes – more mid-century and less traditional with a warm and tailored aesthetic,” he said.

Ray Hartshorne, principal of Hartshorne Plunkard Architecture, agrees. “From the single-family side, our clients are gravitating toward modern design instead of strictly traditional, that is simple, clean line exteriors and open floor plans that are comfortable for the family and versatile for entertaining,” he said. “In the multi-family sector, now more than ever, we are seeing an interest in contemporary-themed and luxurious interior design for lobbies and common areas.”

5.) Buying for the long term: The Census shows the average person moves about 11 times, but Jim Chittaro, president of Smykal Homes, predicts that number will slowly decrease. “Thankfully, the idea of a home as a short-term moneymaker is essentially gone, so when people do buy, they’ll do it with the intention of staying put for closer to 10 years rather than two to three,” he said

This means people will be studying floor plans more closely, to ensure the home will grow with them, Chittaro continued. “Buyers want to be sure the home will suit their needs not only now, but down the road, whether they plan to expand their family or prepare for kids to leave the nest,” he said. “Floor plans that can adapt to lifestyle changes with flexible features like second family rooms should do well in 2011.”

Brunhofer agrees that more buyers will be looking for a home for the long haul. “It’s not just floor plans that buyers are going over with a fine-tooth comb,” Brunhofer said. “Our buyers are very careful about school districts. They want to know they can send all of their children to a school with a proven track record and not have to relocate a few years down the road to ensure a good education.”

The shift to long-term buyers will also put long-term builders in the spotlight. “People are hesitant to buy a home from a builder or secure a mortgage from a lender they don't perceive to be well-established,” said Benach. “Buyers want to know their builder is committed to them and the community, and that it’s not about making a quick buck or boosting a shareholder’s financial interest. That personal connection is really important.”

6.) Upping the ante on amenities: In 2011, developers will continue to create new and exciting amenities to differentiate their properties and keep them relevant in the marketplace, said Tony Rossi, president of RMK Management Corp. “Renters are looking for something special, like an outdoor grilling area or special events like dance lessons,” he said.

But it’s not just enhanced outdoor spaces in apartments that will matter in 2011. Benach thinks condo and townhome buyers will also place a higher importance on outdoor space in the coming year, especially those who live in an urban setting.

“People may realize they don’t need to live with as much square footage inside their home, so to compensate they’ll want a place to call their own outside their home,” said Benach.

7.) High-tech takes over: Running your home entertainment system, appliances and lighting from a centralized control panel is old news. Going forward, we’ll see more homeowners want a smart phone app that can control their residence remotely, noted Goldberg.

“Each year, the demand increases for home technology that makes homeowners’ lives easier,” he said. “We’ll get to a point, and some of our clients are almost there, where homeowners can leave work and by activating an app on their phone have all of their home electronics queued up when they walk in the door – the oven is preheated, lights come on and a TV show turns on when motion sensors recognize they’ve walked into the room. It may sound like a movie, but some of this technology we can build into homes now.”

8.) Smaller homes stay the course: The average size of a new home decreased for the first time in decades from 2008 to 2009, and that trend will continue into 2011, said Benach.

“This trend is fueled by first-time buyers with smaller budgets, requiring smaller homes,” he said. “New buyers will have to be more conservative with their mortgages and will need to pay a higher percentage for a down payment, which means they’ll need a home with a smaller price,” he said. “People won’t be buying more than they need. So to meet their needs, we’ll see builders continue to trim the size of their homes and look for new ways to make square footage work harder.”

9.) Green and gorgeous: As the green movement continues to grow, high-end builders and developers have found ways to make homes both green and gorgeous. “The old mind set was that a green home couldn’t also be stylish and sophisticated. It was as if the two concepts were mutually exclusive,” said Hartshorne. “But new products and forward-thinking design have proved that today’s homeowners can have both. Also, building a green home doesn’t have to break the bank. We are constantly being introduced to attractive, sustainable building materials that are more cost effective than in the past.”

10.) Healthy homes: When you consider a study by the National Institutes of Health that found the number of people with allergies is as much as five times higher than 30 years ago, the trend toward building homes with a healthier environment will also gain ground in 2011, said Goldberg.

“Indoor air quality, low VOC paints and adhesives, and all-around healthier materials are becoming more and more of a concern for people building homes – especially for those with children,” he said.

Rick Croce, from Wheaton-based Smykal Renovations, said this trend applies to existing homes, too. “Due to the economy, many people have decided to stay put in their existing home, which means they’ll be investing in changes to make it look better and live healthier,” he said. “We expect to be pricing out more jobs that include installing HVAC systems with better filtration, using low-VOC materials and even replacing old doors and windows to safeguard against exterior pollutants.”

4 Tips to Keeping Homeowners' Insurance Costs Down

2010-12-12T09:50:00.001-08:00

For Your Clients: 4 Tips to Keeping Homeowners' Insurance Costs Down
By Stephanie Andre

RISMEDIA, December 2, 2010—Saving money has never been so trendy. Long gone are the days of irresponsible spending, so why be irresponsible with your homeowners insurance? Taking a little bit of time to research your options might just help you save a little in the wallet and put more in the bank.

Here are four tips from homeownersinsurance.net:

1. Shop around. Some insurance companies have been raising house insurance costs to recoup losses from the financial crisis. Others are competing for new customers by offering lower rates. By shopping around, people can find better deals on homeowners insurance.

2. Re-evaluate coverage amounts. Many policies have inflation protection provisions, which automatically increase coverage amounts. This was a good item in the years leading up to the crash, but today they should be looked at more closely.

3. Check personal credit reports. Homeowners insurance companies check credit history before figuring rates, similar to how lenders do. This is done to help them assess the risk of payment and likely individual responsibility. Check your credit report and make sure it’s accurate so you can get the best possible rate.

4. Small claims can become expensive. Homeowners should have the highest deductible they can comfortably afford and repair minor items out of pocket rather than filing a claim. Filing a claim for every broken window or leaky pipe can increase premiums by 10-15%.

5 Predictions for 2011

2010-12-10T13:50:00.001-08:00

Daily Real Estate News | December 10, 2010 | Share
5 Predictions for 2011
Freddie Mac analysts point to five features that they believe will likely characterize the 2011 housing and mortgage markets:

1. Low mortgage rates. With Fed observers expecting the central bank to keep the federal funds rate at its current target range of 0 percent to 0.25 percent for most (or all) of 2011, relatively low mortgage rates will be a feature of the 2011 mortgage market. Thirty-year fixed-rate loans are likely to remain below 5 percent throughout the year, and initial rates of 5/1 hybrid adjustable-rate mortgages will likely remain below 4 percent in 2011.

2. Prices have hit bottom. House prices are likely to begin a gradual, but sustained recovery in the second half of 2011.

3. Housing will remain affordable. With affordability high, many first-time buyers will be attracted to the housing market in the New Year, likely translating into more home sales in 2011 than in 2010.

4. Refinances will dwindle. Many eligible borrowers have already refinanced and the federal Making Home Affordable refinance program is expiring on June 30. While fixed-rate loans are likely to remain low, they will move up gradually, making it even less likely that refinances will be attractive to most home owners.

5. Delinquency rates will decline. Based on the last several business cycles, the share of loans that are 90 or more days delinquent or in foreclosure proceedings — known as the "seriously delinquent rate" — generally crests within a year of the start of the recovery in payroll employment, and this economic recovery appears to fit within that pattern. Payrolls began to rise last January, and by the spring the seriously delinquent rate had begun to fall.

Source: Freddie Mac (12/09/2010)

20 Positive Trends

2010-12-10T09:58:00.001-08:00

Good news seems hard to find these days. I was flipping through my Good Neighbor magazine that State Farm sent me and found the following 20 positive trends:

1. We are safer
2. We use less energy
3. We give and give
4. WE conserve fuel
5. We live longer and feel better
6. You people make smart decisions about their well-being
7. We network with wonderful results
8. We can connect easier...even in the air
9. Our bonds are stronger
10. We give away before we throw away
11. Our forests are growing
12. We breathe cleaner air
13. We drive more carefully
14. We grow more of our own food and enjoy the benefits
15. Our hearts love anti-smoking laws (my allergies do as well!)
16. We buckle up
17. Bees make a sweet comeback
18. Women are healthier
19. We move more
20. We know the power of positive

7 Homeowner Tax Advantages

2010-12-07T11:34:00.001-08:00

7 Homeowner Tax Advantages
By: G. M. Filisko

Published: March 11, 2010

When you’re evaluating how much home you can afford, make sure you factor in the tax advantages of homeownership.

1. Homebuyer tax credits
If you purchase your first home before April 30, 2010, you’re entitled to a tax credit of up to $8,000. If you currently own a home, but sell it to purchase another home before April 30, 2010, you’re eligible for a federal tax credit of up to $6,500.

2. Deductions for loan fees
Typically, you can deduct the “prepaid interest” you paid when you got your mortgage loan. That includes points, loan origination fees, and loan discount fees listed on your settlement statement, even if the seller paid those fees for you. Each time you refinance your home, you can deduct prepaid interest fees.

However, you must meet certain requirements to take the prepaid interest deductions when you purchase or refinance your home. Check with your accountant to be sure you’re following the rules.

3. Property tax deductions
In the year you purchase your home, you’re entitled to deduct the real estate taxes you paid at the closing table. You can continue to deduct the property taxes you pay each year.

4. The mortgage interest deduction
Every year, you can deduct the amount of interest and late charges you pay on your mortgage and home equity loans, though there are limitations. If you’re required to purchase private mortgage insurance (PMI) because you made a downpayment of less than 20% on your home, you can also deduct those premiums as mortgage interest expenses.

5. Home office expenses
If you have a home office you use only for business, you may be eligible to deduct the prorated costs of your mortgage, insurance, and other expenses related to that space. The government scrutinizes home-office deductions closely. Be sure you’re entitled to the deductions before claiming them.

6. The costs of selling your home
In the year you sell your home, you can deduct the costs of selling it, including real estate commissions, title insurance, legal fees, advertising, administrative costs, and inspection fees. You can also deduct decorating or repair costs you incur in the 90 days before you sell your home.

7. The gain on your home
If you lived in your home for at least two of the previous five years before you sell it, the government lets you to take up to $250,000 of profit on the sale of your home tax free. That amount is doubled for married couples. This deduction isn’t available on rental or second homes.

The government also allows you to subtract from your home sale profit any amounts you spend on improvements, such as window replacement, siding, or a kitchen remodel. Those deductions are in addition to the tax credits you can receive in 2010 for making energy-saving upgrades. Money invested for routine maintenance and repairs doesn’t count.

This article includes general information about tax laws and consequences, but is not intended to be relied upon as tax or legal advice applicable to particular transactions or circumstances. Consult a tax professional for such advice; tax laws vary by jurisdiction.

Rose Brooks

2010-12-06T12:58:00.000-08:00

Rose Brooks is a local battered women's shelter. This morning, Paula & I volunteered our time to help them set up a qiosk at Ward Parkway Mall to help raise money and collect donations for the women & children they service. Their booth is located by the Sprint Store in the mall and they will be around until Christmas accepting new, unwrapped gifts.

The 12 Diva's of Christmas

2010-12-06T12:55:00.000-08:00

I love experiencing new things! Friday night I went with some friends to The Folly Theatre for the Heartland Men's Choir's "The 12 Diva's of Christmas". What a GREAT show! Two of my co-workers were in the performance. Other than being a little warm in the theater, the performance was amazing and very entertaining! I would highly recommend them!

3 Social Networking Threats to Watch

2010-12-03T11:30:00.000-08:00

3 Social Networking Threats to Watch
By Stephanie Andre

RISMEDIA, December 2, 2010—You’ve finally started friending people on Facebook, tweeting on Twitter and joining Networks on LinkedIn. That’s the good news. The bad news is that, like everything else online, these sites will open you up to more potential computer viruses and online threats.

Here are a few threats to watch:

Bogus E-mails from "Friends": Hackers lure users into taking actions they shouldn't by making it appear as if a friend within their social network has sent them an in-network e-mail – only the e-mail is from a hacker who's hijacked the friend's account.

Be careful to read what you can before opening the entire e-mail. Oftentimes, you can tell it’s fake: it might have a generic opening line or not sound like the person normally would.

Malicious Links or Bait: This type of scam involves personal messages to users that encourage them to click on a link. Doing so can do a number of things, including sending users to a fake website, where they're prompted to download and install an executable file that turns out to be a virus that infects the user's PC.

Be wise about this. If you’re unsure, don’t click on the link. You can also always send an additional e-mail to the person asking if it’s legit.

Identity Theft: Social network users who share personal information with their entire network of friends such as birth dates, addresses, pets' names and other details leave themselves vulnerable to hackers who may guess their passwords and access their profiles based on the personal information they shared.

Keep certain personal details…personal. You’ll be glad you did and this will make it harder for someone to impersonate you.

To help increase your protection, keep a few simple rules in mind:
• Be skeptical – E-mails, friend requests, website links and other items from sources you do not know could be laced with malware.
• Use privacy settings – Social networking sites, such as Facebook and Twitter, offer privacy settings that let you control who sees your posts and personal information. Use them to control who has access to your page, contact information, etc.
• Protect your password – Choose your passwords wisely, incorporate numbers, letters and special characters, and never use the same password at more than one site.

The Many "Events" of December 1, 2010

2010-12-01T18:43:00.000-08:00

Today is December 1, 2010. The fact that it is the first day of December is nothing compared to ALL of the other "events" that are celebrated today.

* It's the "Pay It Forward" day

* It's the 55th Anniversary of Rosa Parks refusing to give up her seat on the bus

* It's AIDS Awareness Day

* It's the first night of Hannukah

Whew, that's a LOT for one little day! I was thinking about what I could do to at least honor some of the days events. The only thing I could really think of for "pay it forward" was to go through a drive thru or to Starbucks and pay for the person behind me. Then my co-worker Wes came up with a great plan. Donate to AIDS awareness day (amfar.org) as my "pay it forward". He also said I could tell my family that I'd donated in their honor for their Hannukah gift (so, happy Hannukah Mom, Dad & Jer!). I guess I didn't find a way to honor Rosa Parks, but hopefully she'll understand!

I hope you found a way to honor at least one of these events!

Mortgage Rates Dip Down

2010-12-01T13:36:00.000-08:00

Bankrate: Mortgage Rates Dip Down
RISMEDIA, November 30, 2010—Mortgage rates retreated last week, following two consecutive weeks climbing higher. The average conforming 30-year fixed mortgage rate decreased to 4.58 percent, according to Bankrate.com. The average 30-year fixed mortgage has an average of 0.40 discount and origination points.

To see mortgage rates in your area, go to http://www.bankrate.com/funnel/mortgages/.

The average 15-year fixed mortgage decreased to 3.97 percent, and the larger, jumbo 30-year fixed rate dipped as well to 5.18 percent. Adjustable rate mortgages dropped as well, with the average 5-year ARM at 3.66 percent and the average 7-year ARM falling to 3.97 percent.

The last time mortgage rates were above 6 percent was Nov. 2008. At that time, the average rate was 6.33 percent, meaning a $200,000 loan would have carried a monthly payment of $1,241.86. With the average rate now 4.58 percent, the monthly payment for the same size loan would be $1,022.90, a savings of $219 per month for a homeowner refinancing now.

SURVEY RESULTS

•30-year fixed: 4.58% -- down from 4.62% last week (avg. points: 0.37)
•15-year fixed: 3.97% -- down from 4.02% last week (avg. points: 0.32)
•5/1 ARM: 3.66% -- down from 3.71% last week (avg. points: 0.38)
Bankrate's national weekly mortgage survey is conducted each Wednesday from data provided by the top 10 banks and thrifts in the top 10 markets.

10 Ways to Make a Small Room Look Larger

2010-11-29T09:20:00.000-08:00

For Your Clients: 10 Ways to Make a Small Room Look Larger

RISMEDIA, November 27, 2010--Most people have one: that room in the house that they wish was just a little larger. What many don't realize is that with a little work and some TLC, they could have exactly what they're looking for.

Here, Lowe's offers 10 designer tricks to help you make any room look larger:

1. For the illusion of a larger room, use a color scheme that is light rather than bright or dark. Pastels, neutrals and white are all color possibilities.

2. Use a monochromatic color scheme on the furniture, rugs and walls. Select different shades and textures of your single color.

3. Lighting is a key element in opening up a space. Recessed spot lighting is visually appealing and is perfect for a small space. A torchiere light is great for bouncing light off of the ceiling and back down on the room.Skylights and solar tubes are natural alternatives for adding light to a room.

4. Limit the number of accessories to avoid the cluttered feeling.

5. The floor and the ceiling are the fifth and sixth walls of every room. A light-colored flooring such as light oak or a light-colored carpet will make the room appear brighter and more open. The same applies to the ceiling—use a light color or white to "open up" the space above.

6. Increase the appearance of the size of the room by adding wall mirrors. They not only reflect images, they reflect light and color. Be a little daring! Use mirror tiles to mirror an entire wall. Your room will appear to double in size.

7. Don't place too many pieces of furniture in a small space. A love seat may work better than a full-size sofa depending on the size and shape of the room. Add two medium-sized chairs or two small wood chairs. Place the chairs closer to the wall and then pull them into the area when additional seating is needed.

8. Add paintings or prints to the walls. One large painting works better than a group of small paintings.

9. The visual balance of a room is also important. A large, brightly colored element can overwhelm a room and decrease the appearance of space.

10. A glass table, whether it is a dining, coffee or end table, will keep the appearance of an open and free space.

Friday Favorites

2010-11-26T10:00:00.000-08:00

What was your favorite purchase? Why?

I'm sure I have a ton of favorite purchases, but I'd say one of the top 10 is a pair of Tommy Hillfiger boots I bought in probably 1999. I'd seen them in St Louis while in town (I was in college) but didn't buy them. I kept thinking about them so I went back. OF COURSE they didn't have my size. A few days later we went up to Wisconsin to visit my grandparents. I looked there, NO LUCK. We then went on to Minnesota to look at a Tech School my brother was going to attend - SCORE, Mall of America!!! I found the boots. They were $135 and my mom & grandma made fun of me for spending so much money on boots. Needless to say, I STILL have the boots and LOVE them. They are my winter staple, especially in the snow!

Curb Appeal - Little Changes Make a Big Difference

2010-11-24T15:07:00.001-08:00

Curb Appeal: Little Changes Make a Big Difference
By Jan Kaye and Doug Wells

RISMEDIA, November 24, 2010—(MCT)—We recently consulted on a formerly white Cape Cod-style home in the Kansas City, Mo., suburb of Westwood that had just been painted in a pale gray. The owners already have ordered replacement windows. They wanted to know what else they could do to improve their home's curb appeal. We're sharing how a few simple additions can make a big difference.

Often when we do in-home design consultations, clients ask us to help them with their home's exterior as well. Sometimes it's simply a matter of adding shrubbery and/or trees, or perhaps removing them when there's an overgrowth that detracts from the overall appearance.

Sometimes the scale of the outdoor lighting fixtures needs to be adjusted. Or window treatments need to be replaced to give a coordinated appearance to the front of the house.

We always strive to achieve balance among the different shapes and colors that make up a home. Think of these shapes as the geometrics that form the house: the squares and rectangles of the house itself, such as doors and windows, plus the cones and rounded forms of surrounding shrubbery and trees. All need to work together to create a harmonious and dramatic impression.

In looking at the Westwood house, the first thing we noticed is that it appeared plain. Black shutters and a white pediment to accent the front door and trim made a world of difference. Also, potted plants on either side of the door give a shot of color to the neutral scheme and lend a sense of presence to the entrance.

Other changes to consider include painting the downspouts gray like the body of the house. Leaving them white calls too much attention to them. They can be prepared so that the new paint color will adhere, or new downspouts that are pre-finished in a similar gray could be installed.

Since the front porch step is sunken on the right, replacing it with a different hardscape material, such as brick laid in an interesting herringbone pattern, would add further appeal. The brick pattern could continue down the walkway. The mailbox can be updated if the bottom trim on the storm door and the door knocker are changed (currently they're all brass).

We think the shrubbery is already well thought out and creates a good balance with the home. However, to create a lovely side porch setting during nice weather, think about adding liriope or neatly trimmed boxwood.

Jan Kyle and Doug Wells own Kyle Wells Design (www.KyleWellsDesign.com), an interior design business.

(c) 2010, The Kansas City Star.
Distributed by McClatchy-Tribune Information Services.

Friday Favorites

2010-11-19T10:00:00.000-08:00

Last week I started Friday Favorites. I'm excited to learn more about you!

So what is your favorite Kansas City attraction? Or, if you don't live in Kansas City, what is your favorite attraction in your city? Where would you take someone who is in town visiting??

I'd have to say I really enjoy the Power & Light District. Not only is it a great place to go out, but there are tons of restaurants and newly added shops. I have yet to check out these shops, but it's definitely on my "to do" list. It is also right across from the Sprint Center which hosts concerts & sporting events amoung other things. The Sprint Center is also home to the College Basketball experience which is an interactive exhibit. I went two summers ago with my cousin and we had a blast!!

Easy Ways to Increase the Value of Your Home

2010-11-18T14:45:00.001-08:00

Great Article from Barbara Corcoran & The Nate Berkus Show Website!

Learn from real estate guru Barbara Corcoran easy ways to increase the value of your home.
Five Ways to Increase the Value of Your Home

1. Lighten it. Light is the second reason (after location) most buyers site for choosing a particular home. Repaint in light, neutral colors that reflect light, up the wattage in light bulbs, put fresh white lampshades on your lamps, remove heavy drapes, wash the windows, and trim any plantings and trees that obstruct light. When you take photos of your home for the listing, rent professional lighting equipment (COST: $50).

2. Improve your home’s curb appeal, in real life and online. Give your home the 15 second test: drive up to your house, park, get out and look at your home from the buyer’s perspective. What do you see? Most buyers decide if they WON’T buy your home within the first 15 seconds, so fix everything you see in that time! Trim bushes, paint the front door and mailbox, steam clean the driveway and walkways, edge the lawn and mulch the flower beds.

3. De-clutter. Potential buyers can’t see past clutter. Pack or store two-thirds of your things, including your furniture. Be sure to remove personal objects like family photos and children’s artwork, put half your clothes in storage, hide all electrical cords and wiring and get rid of unhealthy plants.

4. Update your kitchen. A minor kitchen remodel can make your whole house feel modern. Replace cabinet doors and update drawer pulls and knobs. Countertops and backsplashes can be the least expensive improvements to make, and they’ll make your kitchen look up to the minute.

5. Improve your bathroom. Let’s face it, nobody wants to move into your bathroom! Re-grout the tile and tub, buy new bath towels and shower liner and replace the toilet seat.

Four Ways to Make Your Home Look More Valuable

1. Make your home look bigger.You can do that by de-cluttering, getting rid of about a third of your furniture, adding light, taking home photos with a wide angle lens and from a low position looking up, and adding “up lights” in the corners of rooms.

2. Buy one shiny new appliance for the kitchen.You can get a fancy looking stainless steel Maytag refrigerator for only about $800, or buy floor or close our models for an even bigger discount. (COST: $800 to $3,000)

3. Adding crown or decorative wall molding to your living and dining room walls raises the ceiling and gives a finished, sophisticated look.

4. Get your home professionally staged before putting it on the market. A savvy professional stager knows just how to make the most of the home you have.

Biggest Improvement for the Least Amount of Money

Paint your front door. Spending $30 an a gallon of paint will make your home look fresh, well kept and welcoming. Or even replace it – Remodeling Magazine’s 2009-2010 “Cost vs. Value Report” found that a new steel front door, which costs about $1,170, will recoup 128% of the cost when it’s time to sell!

Barbara Corcoran is the real estate contributor to NBC’s "Today Show " where she comments weekly on trends in the real estate market. Barbara is also an investor/shark on ABC’s reality hit "Shark Tank." To learn more about Barbara, visit her website, http://barbaracorcoran.com.

10 Market Facts for Uncertain Times

2010-11-17T10:56:00.000-08:00

10 Market Facts for Uncertain Times (from Realtor.org)
September 2010

Although the economy is soft and consumer confidence remains low, new data from the National Association of REALTORS® shows positive signs for the future. To help REALTORS® interpret current economic data and address clients’ concerns, here are 10 key facts to understand about today’s market.

1. The economy is growing, though slowly.

2. The private sector is finally creating some jobs.

3. Consumer confidence remains low, though clearly off bottom.

4. The 30-year mortgage rate is at generational lows.

5. The national median-home price is stabilizing.

6. Other home-price measurements also are showing price stabilization.

7. Home price-to-income ratios have returned to fundamentally justifiable levels.

8. Economists expect price increases in upcoming years

9. Delinquencies are high but recent loan originations are performing well.

10. The long-term path to self reliance may be helped from long-term housing-wealth gains.

To see the statistics behind these facts, download the full NAR research report, Market Facts in Uncertain Times > (PPT: 1.39MB)

To share this report, download the PDF > (1.46MB)

Friday Favorites

2010-11-12T10:00:00.000-08:00

I am going to start a new tradition, Friday Favorites! Each week I will post a different question asking about your Favorites things. This is a great way to learn new things from other people!

This week....Your Favorite Kansas City Restaurant!

Some of my favorites: B:2 burgers in Lee's Summit, Ingredients, Oklahoma Joe's, Jack Stack BBQ, Smashburger

10 Ways to Say Thank You this Veteran's Day

2010-11-09T08:16:00.000-08:00

10 Ways to Say Thank You this Veterans Day
RISMEDIA, November 9, 2010--More than 20 million veterans currently live in the United States. Although their military experiences cross decades and continents, one thing remains constant: Their service deserves our honor, recognition and gratitude.

In an effort to encourage acts of recognition this Veterans Day, philanthropic business Products for Good has compiled 10 simple tips to honor those who have served.

1. Acknowledge active members of the military by sending a thank-you to troops overseas via a tweet! Tweets using the #wearegrateful hashtag are screened and printed onto postcards distributed to troops worldwide.

2. Spend time volunteering at a local VA Medical Center. A small amount of time can make a big difference. Sign up here: http://www.volunteer.va.gov/apps/VolunteerNow/ .

3. Take a five-minute break from your daily routine to personally thank a co-worker, neighbor or loved one who is a veteran. A heartfelt thank you accompanied by a smile may just make their day.

4. Not every veteran is lucky enough to have someone at home to honor and thank them for their service. Products for Good launched the Honor One in a Million Project to change that. When you buy a coin from the Honor One in a Million Project, the coin is hand-delivered to a veteran under VA care. Each coin comes with the opportunity for you to personalize a note to the recipient thanking them for their service. In turn, you will receive a letter confirming the receipt of your gift. Learn more here http://bit.ly/ajJDJi.

5. Take advantage of the Veterans Day holiday to teach kids about our nation's history and sacrifices of those who have served. For a listing of fun, kid-friendly activities, visit http://www4.va.gov/kids/.

6. Plan a trip to Washington, D.C. to partake in national Veterans Day events or check out your local news and chamber of commerce community calendars to learn about parades and events in your area.

7. Bring patriotic-themed baked good or cards to a local retirement home and help staff distribute to veteran residents.

8. Change your Facebook status to honor a veteran in your life: Today I Honor and Thank (Rank, First Name, Last Name, Branch of Service). Don't know a veteran? Check out the Veterans History Project to find an individual to honor, http://bit.ly/cVw4OO.

9. There are 1.8 million female veterans in the U.S. Honor the women in your life who serve and the women who face their own battles at home as their loved ones serve.

10. Veterans Day is a great opportunity to give a loved one who has served an unexpected call. Have your kids call and thank a grandparent or cousin who has served, and you'll feel the appreciation through the phone.

Do You YELP?

2010-11-08T11:11:00.000-08:00

Do You YELP? I do.

The purpose of YELP is to connect people with great local businesses. I first heard about this a few weeks ago at the Kansas City Real Estate Bar Camp (REBCKC). I'm slowly starting to use it on my phone, but I have been going online and reading and writing reviews. It's a great way to find new places in your city (or one you are visiting) that you may not know about.

I highly recommend you checking it out!

Credit Scores

2010-11-03T18:27:00.001-07:00

Our office went to a Credit Scores class at Career Education Systems today. We learned a lot of great information! It's a bit long, but the information is very useful!

A few things you should know about your credit score:• You shouldn’t pay off your credit card in full – you should use 30% of your available credit (NOT the full amount) to maintain and increase your credit score
• Shopping for credit in a concentrated period of time (4-6) weeks WILL NOT hurt your credit score. (just make sure they are similar inquiries) You WANT to shop around for a loan!
• Your car insurance is based on your credit score
• The average American has 13 credit accounts on report. Typically 9 credit cards & 4 installment loans! (too many!!)
• DON’T get new store credit cards! If you have them, hang on to them & don’t use them often. Don’t close them b/c you are reducing your available credit which hurts your credit score.
• You don’t need more than 3-4 cards – rotate them. Bankcards (Mastercard, VISA, etc) are better for your score than department store cards.
• A bankruptcy filing is the single worst thing you can do to hurt your CREDIT SCORE. (Foreclosure is worse for getting a loan in the future).
o Bankruptcy stays on your credit report for 10 years (Foreclosure for 7 years)
o Bankruptcy affects ALL of your credit (vs foreclosure which is only your home)
• Lenders many times DO NOT have different ways of reporting foreclosures & short-sales to credit bureaus. ASK YOUR LENDER how they report BEFORE you do a short-sale or foreclosure! (Short-sales are better in the long run for debt forgiveness)
• Transferring credit card balances to another card w/ a lower interest rate WILL affect your credit score b/c you are opening a NEW credit card.
• Debt consolidation DOES NOT always help your credit score!
• Closing credit cards CAN hurt your credit score b/c you are reducing your available credit. Just don’t use them.
• Old credit is better than new credit
• It is easier to apply for & receive credit while in college than after graduation.
• Your credit SCORE is based on your credit REPORT. You can get your credit report FREE once a year. Get it and check to make sure it’s correct!!
• www.MYFICO.com – you can get a FREE credit report & pay for your credit score (google to find a coupon for 25% off!) You can also find free educational articles.
• www.AnnualCreditReport.com is another service to get a free annual report

How to improve your credit score:• Review inquires (on credit report)
• Examine collections & public record
• Dispute errors
• Pay bills on time
• Pay down credit cards below 30% (down to 10% helps your credit score increase)
• Avoid debt consolidation
• To pay off debt, moonlight, sell stuff, trim your spending
• Don’t close credit cards
• Resist the urge to open store credit cards

Other useful tips:• Know what’s in your wallet. Make copies (front & back) of all credit cards & driver’s license
• Opt –out of credit card solicitation – 888.5OPT.OUT
• Don’t take money out of retirement or home equity to pay off credit cards

How To Save on Winterizing Your Home

2010-11-01T11:46:00.000-07:00

Here are a few helpful suggestions thanks to Real Simple's November 2010 issue on how to save on winterizing your home:

- Hunt of air leaks. You can get a hone energy audit, but it's pricey (around $350). Instead, try the Black & Decker Thermal Leak Detector ($50, amazon.com), which identifies drafty areas in a home. Once you seal the problem spots, You could save up to 20% on energy costs!

-Don't Overinsulate. To find out how much energy you need, go to energystar.gov

- Change your filter only when it's dirty. Install a whistle on your furnace ($1.70, amconservationgroup.com) that alerts you when your filter is partially clogged and will soon need to be replaced.

- Opt for a weatherproofing kit. If you buy plastic shrink wrap, weather stripping, and electrical-outlet sealers individually, you'll pay about 30% more than if you buy them in a set. Use all components and you'll reduce your energy costs by up to 20%.

(article in Real Simple by Amy Chen)

Preparing Your Home for the Cooler Months

2010-10-31T13:44:00.000-07:00

For Your Clients: Preparing Your Home for the Cooler Months
By Stephanie Andre

RISMEDIA, October 30, 2010—This year has certainly flown by, and now, with the fall in full swing, it’s a great time to start prepping your home before winter strikes. From water leaks to the chimney, it’s better to be ready for the cold season…before it hits.

Here, State Farm offers up some fall maintenance tips for your home:

Check all window and door locks for proper operation
* Windows that can be opened by breaking the glass and unlocking them, are less effective deterrents to criminals. Check with the hardware store for window lock alternatives.
* All exterior doors should have deadbolt locks.

Make sure there are working nightlights at the top and bottom of all stairs
Other safety ideas for stairs:* Tile and painted wood or concrete stairs can be slippery when wet or when a person's shoes are wet. Resurface the treads with slip-resistant strips near the stair nosing.
* All stairs of at least three risers should have a handrail.
* Do not store items on the stairs.

Have a heating professional check your heating system every year
Woodburning stove connector pipes and chimneys should be inspected by a certified chimney sweep at least annually.

Replace your furnace filter
Furnace filters need to be replaced frequently to allow your heating and cooling systems to operate properly.

Run all gas-powered lawn equipment until the fuel tank is emptyBy doing this, you are removing flammable liquid storage from your garage. At the same time, make sure you aren't storing dirty, oily rags in a pile. They can ignite spontaneously.

Have a certified chimney sweep inspect and clean the flues and check your fireplace damperSoot and creosote, which build up inside the chimney, can ignite when a fire is lit in the fireplace.

Remove bird nests from chimney flues and outdoor electrical fixturesBird nests on top of light fixtures are a fire hazard. Bird nests in chimney flues can prevent a proper venting of combustion gases and can catch fire from sparks. You should exercise great caution when working on your roof or consider hiring a qualified professional to take care of any work that needs to be done.

Make sure the caulking around doors and windows is adequate to reduce heat/cooling loss
Check glazing for loose or missing putty or glazing compound. This will also help reduce water damage to the windows and door frames.

Make sure that the caulking around your bathroom fixtures is adequate to prevent water from seeping into the sub-flooring

Check for cracked or missing caulk around the base of your toilet, bath tub, and bathroom cabinets. Properly sealing gaps between your bathroom fixtures and flooring material can prevent damage.

Happy Halloween!!

2010-10-29T13:43:00.000-07:00

Wishing you and your family a safe & Happy Halloween!!!

Love,
Jodi, Maddie & Abby

For My Female Friends

2010-10-29T13:38:00.000-07:00

***This post is for my FEMALE friends!!***

As many of you know, I have been doing a weight loss challenge for the past few weeks with Fit Bottomed Girl & The Energy Zone. The first few weeks they have us drastically cut back on sugars & most carbs. It was hard, but after a few weeks, I'm doing pretty good. (Sugar-free 60 cal chocolate Jello Pudding has been my saviour!)

I was a bit worried at the begining of the week since I was starting my period. In the past (well, pretty much since I was first graced with it's presence) I have had HORRIBLE cramps!! The first two days are miserable!! My mom even let me stay home from school once (which NEVER happened) b/c they were so bad once in High School.

I had my meeting yesterday with Jessica to discuss my week, etc and I realized.....I hardly had ANY cramps this month!!! She said it was because I had cut out the sugar & carbs and that she makes her daughters cut them out for the first few days of their period to avoid cramps, bloating, pimples, etc. WOW. I wish someone had told me this YEARS ago. Ok, so I may not have believed them...but I believe it now. And wanted to pass it along so maybe others can be pain free!! :)

Bankruptcy, Foreclosure & Short Sale Timelines

2010-10-27T14:34:00.000-07:00

I've posted articles from The Mortgage Experts in Denver, Colorado before. I think they have a great way of answering common mortgage & lending questions in an easy to understand manor. Below is an article they posted on Bankruptcy, Foreclosure & Short Sales.

Bankruptcy, Foreclosure, and Short Sale Timelines
by Chris and Debbie Thomas
Here are the current waiting periods before someone who has had a bankruptcy, foreclosure, or a short sale can qualify for a mortgage:

Chapter 7 Bankruptcies:
Conventional (non-government) loans:
-- 4 years from the discharge date
FHA loans:
-- 2 years from the discharge date
VA loans:
-- 2 years from the discharge date

Chapter 13 Bankruptcies:

Conventional loans:
-- 2 years from the discharge date or 4 years from the dismissal date
FHA loans:
-- 1 year of the payout period must elapse
VA loans:
-- 1 year of the payout period must elapse

Foreclosures:

Conventional loans:
-- 5 years from the completion date with 10% down and a 680 credit score
-- 7 years from the completion date with 3% or 5% down
FHA loans:
-- 3 years from the completion date
VA loans:
-- 2 years from the completion date

Short Sales:

Conventional loans:
-- 2 years with 20% down
-- 4 years with 10% down
-- 7 years with 3% or 5% down
FHA loans:
-- No waiting period if all mortgage payments and all other installment debt payments were made on time for the 12 months prior to the short sale
-- The short sale payoff must serve as payment in full. No outstanding deficiency can exist after the short sale.
-- The new purchase cannot be for a property of equal or greater value than the property sold in the short sale if the new property is within a "reasonable commuting distance" of the short sale property.
-- If the borrower is in default on their mortgage at the time of the short sale, the waiting period is 3 years.
VA loans:
-- VA does not have a specific policy regarding short sales.

In addition, each lender is allowed to impose their own, more restrictive guidelines on top of these guidelines. Always check with the individual lenders to find out what their guidelines are. Some lenders follow the guidelines above, and some have much stricter guidelines.

What impact does this have on the real estate industry?

These guidelines (and all guidelines) are not put in place to prevent people from owning houses. Rather, they are intended to keep people in houses.

The short-term effect of strict underwriting guidelines is never good for the industry because fewer people will be able to qualify for a mortgage. However, the long-term effect of strict underwriting guidelines is very good for the industry. Fewer properties will go into foreclosure, helping to preserve values. If values are maintained or go up, more people will want to buy a house.

It is important to understand the guidelines so you can advise your clients correctly. For instance, no one should ever tell a client to stop paying their mortgage so they can qualify for a short sale.

The FHA and VA rules for bankruptcies, foreclosures, and short sales are actually quite lenient when compared to conventional underwriting guidelines.

FGB Challenge - Eating Right, Body Jam

2010-10-26T14:02:00.000-07:00

This weeks FBG (Fit Bottomed Girls) group outing was at Element Fitness! We took a body jam (hip hop) class and it was a BLAST!!! We toured the gym, chatted about different exercises and got our groove on during class!!

We are now in WEEK #3 of the challenge. I am starting to really get a hang of the low carb/sugar "diet". I eat out quite a bit (it's my social thing), but have found ways to adapt. Here are just a few suggestions of places I've gone and items I chose:

Gordon Biersch - Grilled Chicken Cashew Salad - this was awesome!! I didn't have to make any changes or pick out anything! I wanted to get their Hummus Salad (which I've had before and is great) but it comes with pita and I knew I wouldn't be able to resist!

Houlihan's - I've actually gone here twice since the challenge started!! The first time I got their french onion soup (I asked for them to leave out the bread) and their chop salad (I picked out the croutons). The second time I got the Almond Crusted Tilapia which is served with Asparagus. It was great!!

Typically when I'm watching what I eat, I avoid Mexican restaurants, but I've gone TWICE since starting this challenge and can happily report I ate ZERO chips!! (Confession: I was going to eat ONE Sunday night but Wes hit my hand and wouldn't let me cheat!) I did, however, still enjoy the espinaca/queso dips - I just asked for cut veggies. Green peppers go GREAT with the dip!! For my meal, I got fajitas and asked them not to bring out the tortilla shells. At Jose Pepper's, they serve their fajitas with rice (which I honestly could do without anyway) so I asked for steamed veggies - which are awesome!!

Honey Baked Ham - I didn't know until last week that the Honey Baked Ham stores also serve lunch!! I got the chef salad which was great!

There are plenty of low carb/sugar options at restaurants. You might have to make a few alterations, but it's worth it in the end!!!

10 Ways to Make a Small Room Look Larger

2010-10-25T09:53:00.000-07:00

For Your Clients: 10 Ways to Make a Small Room Look Larger

RISMEDIA, October 25, 2010--Most people have one: that room in the house that they wish was just a little larger. What many don't realize is that with a little work and some TLC, they could have exactly what they're looking for.

Here, Lowe's offers 10 designer tricks to help you make any room look larger:

1. For the illusion of a larger room, use a color scheme that is light rather than bright or dark. Pastels, neutrals and white are all color possibilities.

2. Use a monochromatic color scheme on the furniture, rugs and walls. Select different shades and textures of your single color.

3. Lighting is a key element in opening up a space. Recessed spot lighting is visually appealing and is perfect for a small space. A torchiere light is great for bouncing light off of the ceiling and back down on the room.Skylights and solar tubes are natural alternatives for adding light to a room.

4. Limit the number of accessories to avoid the cluttered feeling.

5. The floor and the ceiling are the fifth and sixth walls of every room. A light-colored flooring such as light oak or a light-colored carpet will make the room appear brighter and more open. The same applies to the ceiling—use a light color or white to "open up" the space above.

6. Increase the appearance of the size of the room by adding wall mirrors. They not only reflect images, they reflect light and color. Be a little daring! Use mirror tiles to mirror an entire wall. Your room will appear to double in size.

7. Don't place too many pieces of furniture in a small space. A love seat may work better than a full-size sofa depending on the size and shape of the room. Add two medium-sized chairs or two small wood chairs. Place the chairs closer to the wall and then pull them into the area when additional seating is needed.

8. Add paintings or prints to the walls. One large painting works better than a group of small paintings.

9. The visual balance of a room is also important. A large, brightly colored element can overwhelm a room and decrease the appearance of space.

10. A glass table, whether it is a dining, coffee or end table, will keep the appearance of an open and free space.

Tips to Get the Most Out of Your Photography

2010-10-19T09:21:00.000-07:00

Quality Photos are Essential - Tips to Get the Most Out of Your Photography
By Paige Tepping

RISMEDIA, October 19, 2010--They say a picture is worth a thousand words, and in today’s real estate market, a thousand words has never been more important. Taking good photos for your listings is crucial as they make or break the first impression prospective buyers create about a home.

BroomeByOwner.com offers the following tips for real estate agents who are looking to take their photo skills to the next level.

Wait for a sunny day
When taking exterior photos of the home you are listing, wait for a sunny day when the sky is blue. Be sure to position yourself so that you avoid any shadows and make sure the sun is shining on the front of the house.

Shoot during daylight
Interior photos should be taken during daylight hours to provide the best lighting conditions. Turn the lights on in every room and use the camera’s automatic flash. Be sure to give yourself plenty of time, as you don’t want to be taking interior photos after the sun has set.

Avoid glare
In order to avoid capturing any glare in your photos, don’t shoot directly into a window or mirror.

Be still
To avoid blurry or poor quality photos, hold your camera still when taking any and all photos. If a photo comes out too dark or blurry, don’t post it online.

Photogenic rooms
When planning what photos you will take of the house, concentrate on photographing the most attractive rooms. In most cases, one bedroom photo is all you need.

Go with the flow
Be sure to photograph the home in the order you want the photos to be posted online. A good transitional sequence starts with the front exterior, moves to the living, dining room, kitchen, family room, master bedroom, master bathroom, exterior, pool, backyard and gardens. Don’t worry about taking too many photos as you can choose the best ones once you are done.

Clean up
In order to get the best photos possible, it may be necessary to get your clients to rearrange some of their furniture, in addition to clearing off countertops, folding towels, closing toilet lids and removing papers from the refrigerator.

Not too personal
Make sure your clients understand that the photos included with their listing are used to showcase the home, and not their valuables and lifestyle.

What You Should Know Before Buying a Home

2010-10-18T09:15:00.000-07:00

For Your Clients: What You Should Know Before Buying a Home

RISMEDIA, October 18, 2010--There are so many things to understand as you embark on purchasing a home, especially if it's your first purchase. Learn the basics as you get started and understand everything you need to know as it relates to financing.

Here are 10 tips about financing:

1. Before you start looking for a home, get pre-qualified for a loan. Banks, credit unions and mortgage bankers make home loans; mortgage brokers process them. The lenders will take an application, process the loan documents, and see the loan through to the funding stage.

2. If you have marginal or bad credit, consult your lender. You may be able to qualify for a loan depending on how long ago and what reason(s) caused the bad credit. A lender should be able to advise you on whether your credit history will prevent you from qualifying for a home loan.

3. You will need a down payment. Down payment requirements vary depending on the type of loan. Many down payment assistance programs exist. These programs may loan or grant you the funds necessary for the down payment. Consult with a lender about programs available in your area.

4. You will need funds for closing costs Closing costs are charges for services related to the closing of your real estate transaction. They include, but are not limited to:

* Escrow fees charged by the company handling the transaction
* Title policy issuance fees charged by the title insurance company
* Mortgage insurance fees
* Fire and homeowners insurance
* County Recorder fees for recording your deed
* Loan origination fees

Consult your lender for an actual estimate of these costs, as well as information about loan programs which can assist in financing your closing costs

5. Some loans have "points" and some do not. A point is a loan origination fee equivalent to 1% of the loan amount. Together with the interest rate they constitute the yield on your loan for the lender. Some lenders charge a higher interest rate to compensate for charging no points. It is important to comparison shop lenders to make sure your loan is at a competitive yield.

6. Should you select a mortgage with a fixed rate or an adjustable rate? The answer to this question depends on whether mortgage rates are at a high or a low point when you purchase, and on how long you plan to live in the home. If rates are high, an adjustable rate might be attractive since subsequent rate drops could reduce your monthly payments. Additionally, lenders may offer a low rate during the first few years of an adjustable mortgage to make it appealing to you. If interest rates are low you might want to take a fixed rate to protect yourself against the possibility of rising interest rates.

7. Be aware of the two main types of loan categories.

* Conventional Loans. Conventional mortgage loans are available with fixed or adjustable interest rates. Some loans may require mortgage insurance.
* Government Loans. These include Federal Housing Administration (FHA) fixed and adjustable rate mortgage loans, and Veterans Administration (VA) fixed rate mortgage loan

8. If you are a low or moderate income home buyer, there are special programs designed to help you. These loans are available through private lenders, as well as local and state housing agencies, like the California Housing Finance Agency (CalHFA). Most lenders specializing in real estate mortgage loans are aware of these types of loan programs.

9. Why might I have to pay mortgage insurance? Mortgage insurance protects the lender from potential loss if you should default on your mortgage loan payment. Generally, conventional loans that require larger down payments do not require mortgage insurance. Mortgage insurance is always required on FHA mortgage loans.

10. Many organizations offer home loan counseling to prospective home buyers. These organizations provide classes for homebuyers to cover the steps to homeownership. They will cover home selection, realtor services, lenders, loan programs, homeownership responsibilities, saving for a down payment, and other important pieces of information. Many first-time home buyer programs require homebuyers to attend this type of class to be eligible for selected programs.

FBG Challenge - Week 1

2010-10-16T16:19:00.000-07:00

Well, I have successfully completed my FIRST week of my Fit Bottomed Girl/Energy Zone Weight Loss Challenge!!

Last week was just an informational meeting. We got to meet all the great girls who are participating in the challenge and get to know each other. I'm really excited to get to know all of the girls and work together to become true FIT BOTTOMED GIRLS!!!

Each week we have a one-on-one with Jessica to talk about what's going on. She tries to customize plans for each girl depending on their specific needs and "issues". Most of us are concentrating on upping are proteins and reducing our sugars & carbs. The goal is to increase our metabolism, then we can slowly add these items back into our diet.

So far, I've actually done pretty good. I did have a "bad day" on Tuesday but most of that was because of poor planning on my part! I was running late and ran out of the house without any snacks! Since Tuesday is Agent Tour day, I had to avoid the cookies at the first tour and ended up eating some pizza at the second. I tried to eat mostly topics, though there weren't many and the pizza was cold and not great. I was very upset because I didn't even enough the calories I put in my body! I went to the gas station afterwards and stocked up on pumpkin seeds, sunflower seeds & jerky. Wednesday was much better. I had a seminar where BBQ was provided. I just avoided the bun and stocked up on meat, coleslaw and salad. I did the same at dinner and ordered a meal without and bread. If it's not there, I won't be tempted. I was also good on Thursday night when I got a burger and asked the server NOT to even bring the bun. If there was a bun, I probably would have at least had a few bites!

To subside my chocolate/sugar cravings, I've been eating a sugar-free pudding snack at night. I also try to have cheese, almonds, eggs & lunch meat around to snack on. My body hasn't been the happiest with this change, but it's all part of the detox process and I know I'll be happy with the end result! My measurements have already gone down a little!

Today we had our "cooking class" and learned out to make protein pancakes, quiche & pie. It was all AMAZING! I guess I might have to start cooking a little - but thankfully it can all be made in advanced and frozen!

Communications Styles

2010-10-16T15:35:00.000-07:00

Overcoming Communications Styles Can Boost Business Efficiencies

RISMEDIA, October 13, 2010--Ever find that there is one co-worker that is harder to get along with than the others? It might be because you have different communication styles. However, in the work environment, especially in a small business, employees and managers have to get along to meet the bottom-line.

Small- to medium-sized business (SMB) expert Denise O'Berry offers advice on how to work with others more effectively by using the I Opt® assessment tool, a proven technique to help identify four key communication styles in the workplace. O'Berry provides insights on what each style looks like in the business environment and how to best work with each one for a positive and productive office environment. Small businesses can visit www.telephones.att.com/smb for O'Berry's advice and learn more about communicating with their employees.

What Communication Style are You?
Trying to work with introverts and extroverts, and ensure that everyone is playing nice in the cubicle sandbox can be challenging. However, examining employees' communication styles can help turn any team into a powerhouse by leveraging the strengths of each person. Most people can fit into one of four communication styles:

* Relational Innovator -- This is an idea person who will communicate in "big picture" terms. A phone call is a great way to help them throw out ideas that pop in their heads.
* Logical Processor -- This person communicates by finding the process of a situation and is very detail oriented. Social media is the worst way to communicate with them, as you can't give enough details in 140 characters!
* Hypothetical Analyzer -- The Hypothetical Analyzer loves to discover the "why" by digging deeply into a discussion to dissect all the elements. Managers should arrange a meeting or phone call to answer questions and help them explore the various options of a problem.
* Reactive Stimulator -- They are an action-oriented communicator with low attention to detail. A quick call or short email is an ideal way to connect with them.

"There will always be conflict in the work space, but by determining each employee's communication style, managers can help connect with staff and increase productivity and efficiency by eliminating confusion and misunderstandings," said O'Berry, SMB blogger and author of Small Business Cash Flow: Strategies for Making Your Business a Financial Success. "If a manager is constantly sending one-off emails to a Relational Innovator, it will only lead to frustration for everyone. They need a conversation or short call to let them talk about their ideas and new, exciting approaches to getting things done."

Real Estate Bar Camp Kansas City - #REBCKC

2010-10-16T15:14:00.000-07:00

I love experiencing new things! Wednesday I went to my very first Bar Camp. What is a Bar Camp you might ask? Well, it's really just a group of people getting together and sharing ideas. They happen all over and on various topics. I went to a Real Estate related Bar Camp. There were various topics including facebook, twitter, SEO (search engine optimization), video, YELP, etc. I learned a lot AND best of all got to meet some great people. The most exciting thing for me was to meet IN PERSON a few of the people I was already following on twitter.

Here are just a few things I learned. (If you'd like all my notes, just let me know and I can email them to you!!)
- Make yourself accessible online
- The one thing to remember is you can't do everything
- Twitter is the best way of "bookmarking" yourself. Make sure you include links to your website at least once a month
- Google yourself often to make sure you come up!
- When taking a video of an areas, make sure it's non-perishable. You don't want it to be obvious if you use it years later
- A video of your listing is support to entice the buyer to come and see your listing. Don't show them everything or tell them the obvious
- Do not make your videos too long
- YELP is a great site for writing and receiving reviews of people and businesses

I am so glad I was able to experience this great event. Later that night I went and met a few of the great people out for more bonding! I'm so glad I got to meet some great new people and learn some good information!!

I "Knocked" Something Off My Bucket List!

2010-10-16T11:09:00.001-07:00

Everyone has a Bucket List, right? A list of things you want to do before you die? I do. It probably needs to be looked at and updated, but I have one. One item that has been on my bucket list for awhile is SWIMMING WITH THE DOLPHINS!! I was suppose to go about 5 years go when I went on a Caribbean cruise, however it was right after the hurricane so there were no dolphins. I almost cried!

Well, my dreams were finally answered just a few weeks ago!!! Thanks to my college friend Adam, I went to Puerto Vallarta and got to swim with the dolphins! (Let me add, the MAIN reason for the trip was to witness my friend Adam marry her awesome wife Perla!!)

My friend Laci went with me to Puerto Vallarta. She had the pleasure of swimming with the dolphins 6 months ago in The Bahamas, but was very willing do it again!!

Let me just say, swimming with the dolphins was AMAZING!! I would do it again in a heart beat!! It was just me, Laci & two other girls. We got to rub the dolphins, hug & kiss, and let the dolphins both pull & raise us up (also known as the SUPERMAN!!)

I would highly recommend swimming with the dolphins to anyone! They are so soft and so sweet! I really didn't want to get out of the water when our time was up!

I also need to mention how beautiful the wedding was! It was on the beach at sunset. Adam is Jewish and Perla is Mexican so they mixed both cultures into the ceremony and reception. Everything was said in both English & Spanish. It was just beautiful and I'm so happy for my two friends!

Congrats Adam & Perla! Thanks for inviting me to your beautiful wedding & allowing me a chance to go somewhere to swim with the dolphins!!!

You can check out my videos of us swimming with the dolphins on my YouTube Channel!!

6 Ways to Stay Motivated While Losing Weight

2010-10-12T16:48:00.000-07:00

This is a great article I found on www.dietsinreview.com

6 Ways to Stay Motivated While Losing Weight

Darlene is the author of the weight loss blog Confessions of a Dieter at www.confessionsofadieter.com. She shares her humorous and sometimes emotional confessions of her struggles and triumphs through her weight loss journey.
We have all been there. You finally made the decision (again) to lose the weight once and for all. You really mean it this time! It starts off great. You are tracking everything you eat, walking every day, and full of excitement. Over the next month or so, you lose weight and feel better. Then slowly, your motivation begins to disappear. You give in to the birthday cake, the vending machine starts taking your money, and you hit a drive-thru and supersize. The scale starts creeping back up. Here we go again…

Here are some ideas that can help you find that inner strength to stay on course:

1. First and foremost, take a deep breath and Do Not Give Up! Even if you just had a really bad day of eating, you can always start over with the next bite, with the next drink, with the next step. We all fall down once in a while. The important part is getting back up!

2. Set small goals. Large goals can seem overwhelming and unachievable. Small goals can give you quick wins.

3. Celebrate your successes. Treat yourself to something special that isn’t food related, like a new book or a massage!

4. Get a support group. It is important to have someone you can talk to when the going gets tough! Find people in the same boat as you or who have been where you are. They can be your life line to success!

5. Keep a positive attitude. Eliminate negative self talk. If you are having a tough time, just smile. You will be amazed at what this does to your emotions and thoughts. Go ahead and try it now!

6. Create a vision board. Get out your favorite magazines and cut out anything that might inspire you on this weight loss journey. Glue it all on a poster board and display it in a place where you will see it every day.

It was first and foremost, but it is also last and most important…take a deep breath and Do Not Give Up!
______________________________________________
Guest Blog Series: Look for the following badge on your favorite health sites to see if they have been a featured guest blogger on DietsInReview.com. See other posts in the Guest Blog series

Read more: 6 Ways to Stay Motivated While Losing Weight http://www.dietsinreview.com/diet_column/10/6-ways-to-stay-motivated-while-losing-weight/#ixzz12Bw9weyF

I finally went to the Kansas City Zoo!!

2010-10-11T10:22:00.000-07:00

Can you believe I'd never been to the Kansas City Zoo?? I've lived in KC since 2001 but never made it to the zoo. One reason is that I grew up in St Louis and we had a fabulous zoo! Even though it's been YEARS since I was at the St Louis zoo, I didn't want to be dissappointed when I finally went to the KC Zoo. When I was in college, I went to the Topeka Zoo and was very dissappointed.

Kansas City currently has a polar bear exhibit at the zoo so I went with Wes, Carrie, her girls Maddie & Cami and Nick to see the polar bear and the rest of the zoo animals. The first hour was a bit dissapointing, we didn't see many animals, but after over 4 hours at the zoo, I can safely say we saw almost everything - well, except an elephant! The KC Zoo is HUGE, so bring your walking shoes!! PLUS, all Kansas City residents get in FREE in October AND November with proof of residency!

I'm glad I finally got to the KC zoo!

How to Live Large in a Small Space

2010-10-11T09:44:00.001-07:00

For Your Clients: Downsizing? How to Live Large in a Small Space
By Jaclyn Banash

RISMEDIA, October 6, 2010--(MCT)--It's a constant battle: Small versus big. Less or more? There are arguments to support both sides.

Having just downsized to the smallest apartment I have ever lived in, I was intrigued by the idea of small being the new big. The challenge of storage and saving space is usually the No. 1 problem for most small-home dwellers. Organization is key, as is making the space work for your lifestyle.

I have been racking my brain for months over how to make my new 656-square-foot apartment work best for me. I have found some great new ideas to integrate with some of my old tricks of the trade.

Creative use of furniture is essential in small spaces or even in larger spaces that might need to be multifunctional. Take, for instance, a guest bedroom that doubles as an office. Instead of crowding the room on a daily basis with a bed that only gets used a few times a year, why not use a sleeper sofa or a chair and a half with a twin sleeper sofa? This will free so much space for day-to-day activities in the office.

A daybed is another good-looking piece of furniture that multitasks. A daybed is a great way to divide a large space, but in a small space, if positioned against the wall, it doubles as a sofa with pillows across the back and an extra sleeping spot when the pillows are removed.

Lots of furniture pieces are known for their great multipurpose and space-saving qualities. The ever-popular pouf, for example, can double as an ottoman, become a small table for books, computers and drinks to rest upon or even turn into extra seating.

Nesting tables also provide options for tiny spaces because they are small and easily moved. Storage ottomans are an obvious choice for doubling as a bench or coffee table that can house toys, blankets and extra bedding.

In dining room/eating areas, a custom-built bench/banquette with storage underneath is a great option for tight spaces. If your budget does not allow for custom, then good-looking storage boxes fit nicely under most pre-made banquettes. If you are not looking for more storage but are just short on space, a breakfast nook can be created with a small table and stools that can tuck underneath when not in use.

Simply by pushing a dining table against a wall or window you can save at least three feet. All you have to do is pull the table out for dinner parties. And don't forget, an old or unattractive table can always be put to use and instantly jazzed up with a custom table skirt in a fabulous fabric. Voila, another spot for hidden storage!

One of my recent favorite small-space solutions is installing built-in top-to-bottom mirrors on the inset of closet doors. How brilliant! No longer are you taking up precious wall space in the room with a floor-length mirror.

As for the actual layout and decoration of a small space, conflicting theories abound. Some say not to fill a small room with over-scaled furniture, as it eats up the space and feels cramped. Others say big furniture makes a small room seem grander.

I gravitate toward the middle. In general, I stay away from large, overstuffed furniture and do find that too many small pieces can feel cluttered. But I need enough seating for entertaining and recently purchased a set of Lucite folding chairs (clear furniture is another small-space trick) that can be stowed when not in use.

I have never subscribed to pure minimalism, although I admire those who can. I find it almost impossible to not surround myself with lovely items that I find along my travels, antiquing or shopping. The key is rigorous editing. I have seen many small, successful spaces that have a plethora of mementos or objets d'art.

But once you get to a certain point, it becomes necessary to do the practice of one thing in, one thing out. After all, no matter what size your space is, you need the room to enjoy it.

(c) 2010, The Kansas City Star.
Distributed by McClatchy-Tribune Information Services.

Bone Thugs-N-Harmony @ VooDoo Lounge KC

2010-10-08T14:53:00.000-07:00

I have been to the VooDoo Lounge in Kansas City before (great 30th birthday party) but I had never been to a concert...until last night!! One of my twitter/facebook friends is the "official tweeter" for Harrah's North Kansas City & VooDooKC. She posted on her facebook wall on Wednesday that she'd be tweeting at the Bone Thugs-N-Harmony concert on Thursday night and needed to do some research on their songs. I listended to Bone Thugs back in high school and love some of their songs! I quickly let her know that I would LOVE to go with her. Knowing that I would tweet live from the event, she invited me along!!

The concert was suppose to start at 8pm but the opening acts did not go on until about 845pm. Since I got there before 8pm, I was standing in the front row!! I think I saw every "wanna be rapper" (as my mom calls them) in the Kansas City area. Some were pretty good..others, not so much. I DID score a free cd from one of the rappers!!!

Finally, around 11pm the Bone Thugs FINALLY took the stage. It was a good performance - over and hour!! I learned that you DO NOT wear heels (even your "comfy" ones) when you are going to be standing at a concert for over 4 hours!). I was exhausted when I left but was so happy for this opportunity to see the Bone Thugs and tweet live from a concert!!!

Tips for Using Social Media in Business

2010-10-08T14:49:00.001-07:00

10 Tips for Using Social Media in Business
By Stephanie Andre

RISMEDIA, October 7, 2010—With so much talk these days about social media, it’s easy to get overwhelmed and anxious about where to start. While using social media for business is a necessary solution in today’s competitive environment, it’s also important to make sure you use create and manage your social media platforms correctly.

Here are 10 tips from Kodak’s chief blogger:

1. Know what you are talking about. If you are going to work with social media, be involved in social media. Start your own Twitter account, Facebook page, read blogs and get engaged. That is the best way to understand the culture, tone, best practices, and protocol.

2. Always be transparent. When you are communicating in social media say who you are and who you work for. Don’t try to be sneaky and plant comments, don’t hire people to go out and say nice things about you and stay away from ghost writing. Be genuine and be real.

3. Be yourself. Readers can see through marketing talk. Be passionate about what you do and let that show through your personality. Let people see you as a person, not a mouthpiece.

4. Post frequently. It’s a lot of work but don’t post to your blog then leave it for two weeks. Readers won’t have a reason to follow you on Twitter or check your blog if they can’t expect new content regularly.

5. Add value. Share tips, tricks, and insights. People’s time is precious and they need to get something out of the time they spend with you. Make listening to you worth their time.

6. Respond. Answer questions, thank people even if it’s just a few words. Make it a two way conversation.

7. Listen to what others have to say. Appreciate suggestions and feedback, it will make what you do even better.

8. Learn from your mistakes. Don’t be afraid to say you were wrong and be quick to make changes when you are.

9. Be external. You don’t have to be 100% internally focused. Link to other blogs, videos, and news articles. Re-tweet what others have to say.

10. Have fun. If you don’t like what you are doing, others will notice it and won’t enjoy interacting with you.

Real Estate Auctions

2010-10-07T12:23:00.000-07:00

Yesterday we had Nicole Kelley come talk to our office about Real Estate Auctions. It was very informative! Here are a few of the things we learned:

- Just because a house in up for auction, does not mean that the owner is behind on payments or the home is in foreclosure. Many times Auctioned off homes go for market value - it's just a faster way to get to the end result.
- When you list a home in MLS, you list at the highest price and work your way down. In an auction, it's just the opposite. You start low and end up high.
- An Auctioned home is sold "as is, where is, with NO contingencies". Any financing issues or inspections must be done prior to bidding. It is up to the buyer to do their due diligence on the property.
- A 10% buyers premium is typically added to the sales price to pay the auction company and any agents involved.
- An auction is really about turning an asset (home) into money (quickly).
- Auctions are typically marketed for a few weeks before the actual event.
- Most auctions close within 30 days.
- Properties are not giving away, they typically go for market value!
- There are three types of Auctions:
- Absolute Auction - The property is sold to the highest bidder, regardless of the price
- Minimum Bid Auction - The auctioneer will accept bids at or above a published minimum price.
- Reserve Auction - A minimum bid is not published, and the seller reserves the right to accept or reject the highest bid.

Auctions are not for everyone, but there are some sellers that can benefit from them.

Have You Started on Your Fall Home and Garden Checklist?

2010-10-05T11:20:00.000-07:00

Have You Started on Your Fall Home and Garden Checklist?
By Debbie Arrington

RISMEDIA, October 5, 2020--(MCT)--In the garden: Pull out the summer garden and get started on cool-weather vegetables and flowers.

Now is the time to plant seeds for many flowers directly into the garden, including cornflower, nasturium, nigella, poppy, portulaca and sweet pea.

In the vegetable garden, seed bok choy, mustard, spinach, radishes and peas. Plant garlic and onion sets.

Set out cool-weather bedding plants including calendula, pansy, snapdragon, primrose and viola.

Around the house:

It's time to get alarmed.

This is National Fire Prevention Week. According to a new survey, most American homes don't have enough smoke or carbon monoxide detectors.

About two-thirds of homes don't meet the national recommendation for the number of smoke alarms set by the National Fire Protection Association, said the nationwide survey conducted by First Alert. Only one in 10 homes meets the recommendations for carbon monoxide monitors.

The association recommends at least one carbon monoxide alarm on each level of a house and one in or near every bedroom or sleeping area. For smoke alarms, one should be installed at the top of each staircase, and one in every bedroom or sleeping area, under the guidelines. For an average two-story, three-bedroom house, that adds up to four smoke alarms and five carbon monoxide alarms. (For details, see www.nfpa.org.)

Need more reasons to get fired up? According to the U.S. Fire Administration, 84 percent of all civilian fire deaths occur at private residences. Each year, nearly 3,000 Americans die in home fires and about 450 succumb to carbon monoxide poisoning.

Experts recommend installing smoke alarms and carbon monoxide detectors and checking the batteries once a month to make sure they work.

Protection One, another home-security company, recommends that families practice fire drills so they know what to do when the alarm goes off. Devise an escape plan, and post it where it's visible at all times.

For more tips and a home safety checklist, click on www.firstalert.com/safety—checklist.php.

Breast Cancer Prevention

2010-10-05T08:47:00.000-07:00

In honor of Breast Cancer Awareness Month. It is also Thyroid Cancer Awareness Month so please check your neck along with your boobs! :)

10 Tips for Breast Cancer Prevention
By Stephanie Andre

RISMEDIA, October 4, 2010--October is National Breast Cancer Awareness Month, and for women, it's never too early to start taking care of themselves, both physically and mentally. To that end, here are 10 tips for breast cancer prevention.

1. Avoid becoming overweight. Obesity raises the risk of breast cancer after menopause, the time of life when breast cancer most often occurs. Avoid gaining weight over time, and try to maintain a body-mass index under 25 (calculators can be found online).

2. Eat healthy to avoid tipping the scale. Embrace a diet high in vegetables and fruit and low in sugared drinks, refined carbohydrates and fatty foods. Eat lean protein such as fish or chicken breast and eat red meat in moderation, if at all. Eat whole grains. Choose vegetable oils over animal fats.

3. Keep physically active. Research suggests that increased physical activity, even when begun later in life, reduces overall breast-cancer risk by about 10 percent to 30 percent. All it takes is moderate exercise like a 30-minute walk five days a week to get this protective effect.

4. Drink little or no alcohol. Alcohol use is associated with an increased risk of breast cancer. Women should limit intake to no more than one drink per day, regardless of the type of alcohol.

5. Avoid hormone replacement therapy. Menopausal hormone therapy increases risk for breast cancer. If you must take hormones to manage menopausal symptoms, avoid those that contain progesterone and limit their use to less than three years. "Bioidentical hormones" and hormonal creams and gels are no safer than prescription hormones and should also be avoided.

6. Consider taking an estrogen-blocking drug. Women with a family history of breast cancer or who are over age 60 should talk to their doctor about the pros and cons of estrogen-blocking drugs such as tamoxifen and raloxifene.

7. Don't smoke. Research suggests that long-term smoking is associated with increased risk of breast cancer in some women.

8. Breast-feed your babies for as long as possible. Women who breast-feed their babies for at least a year in total have a reduced risk of developing breast cancer later.

9. Participate in a research study. The Hutchinson Center is home to several studies that are looking at ways to reduce the risk for breast cancer. Check our website periodically for studies that might be appropriate for you.

10. Get fit and support breast cancer research at the same time. Regular physical activity is associated with a reduced risk of breast cancer.

The good, the bad...the internet

2010-09-30T15:02:00.002-07:00

I participate in many forms of social media (twitter, facebook, blogging, etc) and I try to be very careful about what I say online. There are many things I'd LOVE to say, but I know it's just not appropriate for EVERYone to see! Some times I see what other people post online and I just wish they'd think before they type. I'm kind of glad that we didn't have this much technology when I was growing up. Who knows what we would have written and of course regretted! I usually just see something stupid and ignore it, but today I saw something that I HAD to comment on.

A guy I graduated high school with had a VERY innappropriate, offense and just plain ignorant post today. Thankfully I was on the phone with a friend when I saw it so I had someone to rant to. (otherwise I would have just called until someone answered!). Not only was his post offense, but it wasn't in correct english making him looking even more ignorant. I won't post exactly what he said, but it was to the affect that he's not against gays, but they seem to be popping up everywhere and they should have their own state. SERIOUSLY!! I almost couldn't believe it. I KNEW I was going to defriend him, but I also felt like I had to comment. I let him know that I was appalled by what he wrote and couldn't beleive he posted it online. Then hit "remove from friends." He did response, but I had to get another friend to check it since I can no longer see his wall postings. He commented that he "wasn't gay bashing just that the population is growing." Yes, a lot of populations are growing! My friend also made a comment on how ignorant his status was. He's obviously an unhappy person (he always has negative status updates) and I am happy to not look at his updates anymore. I'm also happy and proud that my friend Shana and I both stood up to let him know how ignorant his post was. I hope others stand up as well!

Think before you type!

Credit Services, Inspection Advice & Aflac

2010-09-30T15:02:00.001-07:00

Today was our monthly office sales meeting and we have three informative guests. I wanted to pass along some of the great information that was shared with our office agents.

Donna Perkins - Kansas City Credit Services was our first guest. She spoke with us a few weeks ago. She is a financial consumer advicate. Her job is to pick about your credit report looking for inaccuracies to help you lower your bills. They have a proven success of 75% to 85% removal of misleading, outdated and unverifiable information from most credit reports. They have been in business since 1991 and her team has 35 years experience. They offer a free credit consultation and if they can't help you, they'll find someone who can. To contact Donna - dperkins@kccreditservices.com

Ed Sullivan - Ed Sullivan Inspections was our second guest. Ed talked about the Utility Flue that service your hot water heater and furnace and how it is necessary that this flue has a metal liner to protect you and your home. This liner is necessary because many older homes have older appliances which had 9-12 in flues. Newer appliances have 5 in flues. There are a few different options. One of the less expensive options is to get a diverter for your water heater. You could also get a flexible liner for your flue. Make sure when you get your home inspectied the inspector checks the roof and flue liner. He also mentioned that you need to be careful with gas burning fireplaces that are VENT-FREE. These need to be in large, open rooms.

Seve Sterthman - Aflac was our last speaker. He talked about all the different policies that Aflac offers that give cash back to policy holders for medical bills. Once you pick your policy, your rate never goes unless you switch to a new policy. Their Accident policy covers anything "that comes at you from the outside" - including car accidents, falling from a ladder and even poison ivy. You can have more than one plan/policy and they do not cancel out the other.

In the market for a new driveway? Johnson Co. DA says beware of scammers - NBCActionNews.com - Kansas City

2010-09-28T15:16:00.000-07:00

Great story from NBC Action News!

In the market for a new driveway? Johnson Co. DA says beware of scammers - NBCActionNews.com - Kansas City

Social Media Safety

2010-09-27T13:51:00.000-07:00

I just got my current issue of "Real Eyes" from KCRAR (Kansas City Regional Association of Realtors). I won't lie, I usually just skim the paper and recycle it. Well, today a story on the front page caught my eye: "Social Media Safety for Real Estate Agents" As we all know, I LOVE social media...so I figured, it won't hurt to read what they have to say. I started to skim the article (ok, I went straight for the highlighted parts). They offered SIX suggestions:
1. There is no such thing as "privacy" on any of the social media websites. Ok, I know this. If it's on the net, it can probably be found.
2. Do not publicize your calendar or schedule. Got that too. If I do "say" what I'm doing in a day, it's pretty vague and I never give out times.
3. Know what information is in cyberspace about you. I've got a google alert sent up and get emails every time my name comes up in a new search (so I'll probably have a few today since I keep blogging). THEN is says: Go to websites such as www.123people.com and www.pipl.com just to get started. Well, OF COURSE I had to check them out! www.123people.com had my wrong address (perfect!) BUT www.pipl.com pulls from a ton of sites and had my current address! YIKES! That has ALREADY been fixed!!! (damn you www.spokeo.com)
4. Beware of location-based websites and programs. I admit it, I use FourSquare..but I try to use it safely!! I NEVER check in at my house and half the time I "check in" when I'm leaving a location. I think I'm still "at" Price Chopper according to FourSquare.
5. Know you can "block" followers. I know this and thankfully have no had to do it!
6. Be careful with photos of yourself and your listings. No glamour-shot type photos (criminals have a certain victim profile) and don't show valuables in the home. Check for both of these!

PLEASE PLEASE PLEASE go to the websites listed in #3 and check yourself. Make sure they DO NOT have your correct address. Also, set up a google alert with your name so you know when something new has appeared on the internet.

**On a side note, this DID come in handy when I started at 1154 Lill. Jen, the owner of Lill has set up an alert for 1145 Lill. I sent out a ton of media releases announcing I was a new sales rep in Kansas City. She got the google alert and was amazed by how many sites posted the information!

The internet can be used for good...don't let it be used for evil!

Good luck!!
Jodi

Metabolism Boost/Cleanse

2010-09-27T09:50:00.000-07:00

Well, I did it. I did a "cleanse". I've heard of so many different types of cleanses and none of them sounds like "fun" or very healthy for that matter! As I mentioned in a previous post, I signed up for an 8 week weight loss challenge with The Energy Zone 151 & Fit Bottomed Girls. The challenge doesn't begin until Oct 9th and I'm heading to Mexico THIS Friday!! Long story short, I got convinced to try their cleanse, which is really more of a metabolism boost.

Here's the basics:
Day 1: Drink 2 gallons of a mixture of Metabolife Beverage Mix, Protein, Aloe & Water
Day 2: 5 protein shakes
Day 3: 2 protein shakes and a meal

Day 1: I was planning on starting last Monday, but Terri convinced me to start on Sunday with her. I'm SO happy that I started on Sunday! I made the mix on Saturday night so it was ready and chilled for Sunday. I drank ALL 2 gallons!! (let's face it, I drink a lot as it is). I did sleep in a bit and take a little nap to avoid hunger pains. I noticed that as long as I was drinking, I was ok. Once I stopped, that's when I started feeling yucky. Around 2pm I was super hungry but just kept drinking. Pretty much my day was: drink a glass, pee, fill my glass. REPEAT. haha. I think I'm most proud that I actually DID IT! I made it the entire day AND drank all 2 gallons. (honestly I would have been happy just to make it through the day!). Thankfully the mix tasted great (would have been awesome with a little Vodka. haha).

Day 2: 5 shakes. I made a different shake each time. I knew if I made the same one, I'd go crazy!! I did pretty good and tried to spread out the shakes to I wasn't hungry. I even made it to spin class!!

Day 3: I could not WAIT to eat a real meal!! I had my two shakes and had a big ol salad from Sweet Tomato's for dinner. I did wake up with a headache Tuesday morning, but not sure if it was life or cleanse related. Could have been either or both! :) I attempted to workout but was unmotivated (which was probably just life, not clease related).

Overall: I lost about 1 pound. They said I could lose more, but honestly, I'm ok with the 1 pound. (that was from Thursday to Thursday weight) I'm not sure I'll do the cleanse again. It did make me feel better and I've really been trying to watch my white flour and sugar intake. I'm most proud that I was able to accomplish this goal in a healthy way. I got plenty of protein each day and calories, which is what is important!!

I'm excited for the challenge to begin!!

Tips to Getting Your Loan Modification Application

2010-09-27T08:51:00.000-07:00

For Your Clients: 8 Tips to Getting Your Loan Modification Application Reviewed
RISMEDIA, September 25, 2010--Many homeowners seeking a loan modification to lower their monthly mortgage payments and avoid foreclosure continue to find the application process a complex web, often causing them to give up before their application is ever reviewed by their mortgage company.

Certified housing counselors for CredAbility, a national nonprofit credit counseling and education agency, speak daily with hundreds of homeowners seeking a loan modification or other solutions to keep their homes. The organization has several tips for people that will help them increase the chances that their application is reviewed as quickly as possible.

"A homeowner needs to collect and send several documents that tell the mortgage company why you need a modification, and it needs to be done in a timely, organized manner," said Michelle Jones, senior vice president of counseling for CredAbility. "Once a homeowner has submitted these documents, they need to stay in regular contact with the company. With hundreds of thousands of applications under consideration, homeowners must take matters into their own hands to make sure their application gets to the right person at the company."

Here are CredAbility's recommendations for homeowners seeking a loan modification:

Speak With a Nonprofit Housing Counselor to Understand Investor Rules for Your Loan. Every homeowner's mortgage loan is different, so don't rely on information you may have heard from your neighbor or your sister-in-law, even if they received a loan modification. For example, if your 30-year, fixed interest rate loan is owned by one investor, and your neighbor's is owned by another investor, the rules governing a loan modification may be quite different. A certified counselor at a nonprofit credit counseling agency can help you find the investor who owns your mortgage and determine your options.

Submit All Documents That Prove Your Current Income. Income verification is critical, but homeowners sometimes don't provide their mortgage company with recent documents. If you lost a job in June, don't provide pay stubs from March. In addition to recent pay stubs and other traditional income sources, homeowners should also provide a document called a "contribution letter." This letter explains the source of any household income that is not easily verified. For example, a servicer will want to know the total household income of a married couple, even if only one person's name is on the loan. The letter could also include income verifying that you have a roommate that pays rent.

Submit Current Bank Statements. Recent bank statements allow your mortgage company to verify your income and expenses. This information enables the mortgage company to see your monthly expenses for food, utilities and other expenses and determine whether you will have enough money to make your mortgage payment.

Mail Your Documents to the Mortgage Company. Many people prefer to send all of their documents by fax or scan their documents and send them via email. However, postal mail is usually more reliable, especially if it's addressed to the person you spoke with at the mortgage company. Faxes often get lost.

Label Each Page With Your Name and Loan Number. One of the most common complaints among homeowners is that the mortgage company loses their documents. You can help your own cause by writing your name and loan number on each page of every document.

Fully Explain Any Recent or Unique Income Changes. For example, a bank deposit may show various one-time transactions, such as an asset sale, cash gifts from family members or a bonus. Unless you explain this one-time increase in income, the servicer may not understand it and use this information to deny your loan modification.

Include a Timeline in Your Hardship Letter. Every application for a loan modification must include a "hardship letter" that explains the reasons for your request. But the letter must have specific dates explaining when an income loss has occurred. If your spouse lost her job on July 15 and your family income will decrease by $3,000 beginning in August, your letter needs to provide these details.

Call Your Mortgage Company Every Week. Many homeowners work extremely hard to submit all of their paperwork to the servicer - and then wait for weeks before picking up the telephone to call them about the status of their application. This is a mistake for several reasons: the person handling your application may quit; the application may be transferred to another person; the company may need more information. You get the picture.

Trends in Kitchen Design

2010-09-23T11:22:00.000-07:00

For Your Clients: Trends in Kitchen Design
By Jean Patteson

KITCHEN-DESIGN TRENDS
Counter tops: Stainless steel, antiqued marble, lava stone, wood, concrete, mosaics and flamed granite with a textured, matte finish.

Cabinetry: Fewer overhead cabinets. Lift-up or sliding doors, self-closing drawers, glass-fronted cabinets and glass shelving, tracks inside doors for attaching storage accessories, pantires with multiple storage options. Fresh finishes, from smooth, high-gloss and matte lacquer, to textured, horizontal-grain laminates.

Appliances: Free-standing accent pieces and fully-integrated designs that blend with cabinets. Fridges with more crisper space, less freezer space; combination gas/electric ranges; designer range hoods; super-quiet dishwashers; specialty sink faucets; luxury items such as warmer drawers for coffee mugs.

Lighting: Combinations of soft incandescent, bright halogen and cool, energy-efficient LED bulbs.

Colors: Warm neutrals such as walnut, slate, sand, greige, celadon and magnolia.

Architectural elements: Wall niches and bump-outs for housing coffee machines, juicers, dinnerware, herbs, spices and collectibles.

Adventures in Real Estate & Beyond

Keeping Your Pets Happy While Selling Your Home

Social Media Mantra: "Gain & Give"

Real Estate Auctions

Memorial Day Activities in Kansas City

KC Ambush Makeover

The Adventures of Jayden & JoJo

Great Starter Home!

Great Shawnee Home

South Kansas City Home Shows Like a Model!

Plaza Living Without The Plaza Price Tag

Simple Tips to Prevent House Fires

Speed-Clean Your Freezer in 20 Minutes

Speed-Clean Your Refrigerator in 20 Minutes

10 Tips for Living Green at Home

10 Tips for a Cleaner, Safer Kitchen

Trolley Run 2011

Speed-Clean Your Back Entryway in 15 Minutes

New Uses for Marbles

Homeowner Tips - Streak-free Windows

Check Your AC Today!

Integrity...or lack there of

Kitchen Remodeling on a Budget

Cleaning Your Home in No Time At All

A Creed to Live By

Spring & Summer Home Maintenance

Huntington Farms - New Listing

Are You Thinking About Remodeling Your Home?

Successfully Selling HUD Homes

Great Time, Great Cause - Hoops & Sneakers Gala

Tricks to Help You Slash Your Electric Bill

Top 10 New Kitchen Trends

Will You Be My Friend?!

Technology is Simply a Tool

Metropolitan Lawn & Garden Show

3 New Upgrades to Facebook Pages

Hoops & Sneakers Gala

Hoops

What are these funny looking bar codes?

The Tax Benefits of Home Ownership

Best Bathroom Floors

Spammers - Be aware!!

Cable Update

I'm cutting the cord...

Pre-Sale Renovations - Do's and Don'ts

The longest wait for a decision

10 Ways to Spruce Up Your Blog

Making that First Impression

Maintenance Must-Dos

Kansas City Restaurant Week 2011

Getting on a Plan with Your Finances

Happy New Year!

10 Tips to Banish Mold in Your Home

10 Real Estate Predictions for the New Year

4 Tips to Keeping Homeowners' Insurance Costs Down

5 Predictions for 2011

20 Positive Trends

7 Homeowner Tax Advantages

Rose Brooks

The 12 Diva's of Christmas

3 Social Networking Threats to Watch

The Many "Events" of December 1, 2010

Mortgage Rates Dip Down

10 Ways to Make a Small Room Look Larger

Friday Favorites

Curb Appeal - Little Changes Make a Big Difference

Friday Favorites

Easy Ways to Increase the Value of Your Home

10 Market Facts for Uncertain Times

Friday Favorites

10 Ways to Say Thank You this Veteran's Day

Do You YELP?

Credit Scores

How To Save on Winterizing Your Home

Preparing Your Home for the Cooler Months

Happy Halloween!!

**For My Female Friends**

Bankruptcy, Foreclosure & Short Sale Timelines

FGB Challenge - Eating Right, Body Jam

10 Ways to Make a Small Room Look Larger

For My Female Friends