Christmas Mailing Deadlines

So, just in case you are one of those people that wait until the last minute for everyting, (unlike myself, ahem) it's not too late to get those presents out!

If you still haven't mailed out your Christmas gifts to Uncle Bob and Aunt Shirley, or your Christmas cards with the yearly family newsletter novella, you still have time for them to get there by Christmas!

For first-class cards and letters to be delivered by Christmas, you need to mail them by Monday, December 20th.

For priority mail, the deadline is Tuesday, December 21st and for express mail, it's Wednesday, December 23rd.

So, get out there and get going, but maybe next year to save some stress, plan ahead. Happy Holidays!

Mortgage Rates Inch Up Again, It's Time to Buy

Freddie Mac released the results of its Primary Mortgage Market Survey® (PMMS®), which found that both fixed- and short-term mortgage rates continued to rise this week. This was the fifth week in a row where fixed-rate mortgage rates were up.

30-year fixed-rate mortgage (FRM) averaged 4.83 percent with an average 0.7 point for the week ending December 16, 2010, up from last week when it averaged 4.61 percent. Last year at this time, the 30-year FRM averaged 4.94 percent.

What does this mean to you, the buyer? It means rates are still low but inching up. Rates are still lower than last year. So, perhaps you should get while the gettin's good? It may be time to buy before rates go up much higher.

Homeownership Going Back to a Long Term Investment

Is there value in owning a home? The recently released 2010 National Association of REALTORS® Profile of Home Buyers and Sellers brings some promising results. Today homeowners are living in their homes longer, and after several years of price declines, are seeing rises in home equity gains.

It was only earlier this decade that so many buyers jumped on the investment bandwagon. They bought and sold within incredibly short time frames, and walked away with profits. But as the booms busted, many sellers found they had bought at the top of the market and as prices corrected, they lost more than just dollars. Foreclosure rates skyrocketed. Historically, however, homeownership is a long term investment, and one that brings many rewards.

Current market and economic conditions have created a shift from the house flipping ways of the boom. The house flipping and quick gains which occurred during the boom period were abnormal, driven by risky, easy-money financing that should never have been allowed in the market.

American are still buying, however. And surveys have found there are particular reasons behind these purchases. These include the desire to own a home, the desire for a larger home, a change in family situation and taking advantage of the home buyer tax credit, a job-related move, and then the current supply of affordable homes.

And once they buy, homeowners are staying put longer. A typical seller has been in their home for 8 years, but the survey reveals first-time buyers are planning to stay for 10 years, and repeat buyers for 15 years.

Even with several years of price declines, the typical seller who purchased a home eight years ago experienced a median equity gain of $33,000, a 24 percent increase, while sellers who were in their homes for 11 to 15 years saw a median gain of 40 percent. So, once again buying for the long-term is steering its way back into value.

A Fun Christmas Tree Fact...

There are few traditions more grand than the Christmas tree that adorns Rockefeller Center every year. But did you know that is not the tallest Christmas tree in America?

The tree at Rockefeller Center comes in at just number 9 this year at 74 feet high. The other top 10 are as follows:

10. Houston's City Hall, 70 ft.

8. Portland, OR, Pioneer Square, 75 ft.
7. Boston, MA, Fanueil Hall, 85 ft.
6. Toledo, OH, Toledo Zoo, 85 ft.
5. Kansas City, MO, Crown Center Square, 100 ft.
4. Los Angeles, CA, The Americana at Brand & the Grove at Farmers
Market, 100 ft.
3. Anthem, AZ, The Outlets, 110 ft.
2. Ferndale, CA, Victoria Village, 150 ft.

And topping the list...

Number 1, Coeur d'Alane Resort, IA, Coeur d'Alane Resort, 161 ft.

The number 1 tree is 87 feet taller than the Rockefeller Center Tree! Come on NY, we can't be outdone! Although, perhaps a tree that tall is a bit showy. Keep it classy NYC. *wink*

Sellers, Don't Let Your Emotions Get the Best of You

It can be easy for the selling experience to become clouded by emotion. A homeowner may have years of memories stored within the walls of a home. They look at a room, and instead of resale potential, they see a baby's first steps and early Christmas mornings. When the time comes to sell, however, the time has also come to sever emotional ties with a house.

Emotions can cloud your reasoning. And they can misguide you during a very expensive and important business transaction. Sellers sometimes overvalue their homes, adding in sentimental value on top of property value. They refuse offers that, while reasonable, don't add up to the value of their memories. Or they turn down a potential buyer, because they don't garden and won't "leave the rose bushes," or aren't the "type" of person they'd like living in their home.

For a smooth transition, hire an experienced real estate agent. Once you've turned yourself over to their guidance, you can then turn your focus onto the new phase of your life. And agent can help you establish a fair, and unbiased, asking price. They find the sellers. They show the house. And they help you sign on the dotted line. The middle man is extremely beneficial in separating from your emotions.

Your emotions may surface as soon as you list the house for sale, since many agents will suggest you remove many of your personal items from the house for staging. This is neither a personal attack on your decorating nor your memories. Staging is a wonderful way for homeowners to see the house as their future home, instead of seeing your house and your home.

Don't fret over lost memories; take pictures of your home and make a scrapbook. Channel your emotions into the joy of moving. And have fun imagining the new memories you'll make in your new place. This is not a time for mourning, instead it's a time for celebrating!

Operation Home Relief

The National Association of Realtors has extended its successful "Operation Home Relief" campaign, which is designed to give military service families a voice by contributing financial counseling and aid to help keep them in their homes. Though only launched last month, the NAR has already matched $20,000 in donations.

The NAR has used this Facebook campaign to promote USA Cares, an organization dedicated to providing aid to help post-9/11 veterans and active-duty military personnel avoid foreclosure.

Through the consumer website, HouseLogic.com, a free comprehensive website about homeownership for homeowners, Operation Home Relief aims to increase awareness, rally support and raise funding that provides foreclosure assistance in the form of financial counseling and grants to post-9/11 active duty U.S. military service personnel, veterans and their families."

Invite your friends (Operation Home Relief will donate $1 for every join until they reach their goal) by visiting apps.facebook.com.

Best Pizza In Rochester!

Okay, so those of you who know me well, also know that I am a bit of a food snob, particularly when it comes to Italian. Growing up in an immigrant household, I ate traditional Italian meals all prepared from scratch. My passion for eating developed into a passion for cooking. Seems like I am mostly disappointed when I eat at a resturant because I know I can prepare the food better at home. All bets are off though when I eat at Tony D's Coal Fired Pizza in Corn Hill Landing. The pizza there is just like the pizza I've enjoyed in Italy and the rest of the menu is equally devestating to my girth! A few weeks ago I enjoyed the gnocci and lamb ragu... and, a pizza! The pasta was as light as clouds and the dish just melted in my mouth. Tony DiCesare has a hit! Visit often and enjoy!

An Alternative to the Office Secret Santa

Are you tired of getting a scented candle from a co-worker that you barely know every year?

Trying something different this year. Instead of having a Secret Santa gift exchange amongst all your co-workers, call a local charity and sponsor a family in need. Have everyone in your office take the money they would have spent on specialty bath soaps, and Starbucks giftcards to exchange with co-workers and buy much needed items for a special family.

Several different charities provide lists to anyone who would like to sponsor a family. They will let you choose a family, and provide you with a wish list from that family. You will be surprised to see that how the wish lists often include very simple items that we take for granted such as mittens, gloves, coats, blankets, and books.

So won't you make a difference this holiday season? Re-think what it means to give and spread the joy, help out others in need.

Make the Most Out of Listing Your Home During the Holidays.

If your house is on the market during the upcoming holidays, step up the action plan to draw attention to it. Don’t let the holiday blues make you feel like there’s no hope. Homes are sold and bought this time of year. But the ones that get snatched up are the ones that are enticing to buyers.

Because this is a very busy time of year with personal travel and holiday celebrations, many real estate experts note that if you have buyers dropping by your open house or making an appointment to view your home, there’s a good chance they’re serious buyers.

There are some things you can do to make your home more “showable”. It's often said in the real estate industry, “the way you live in a home is not the way you stage a home.”

So, while this time of year often brings out all the holiday decor, there is such a thing as too much holiday cheer. It’s just that not all buyers celebrate the same holidays.

A good rule of thumb, is to keep decor simple and subtle. If you celebrate Christmas, go ahead and put a tree up but don’t put one up in every room. Remember that buyers will be looking at your home and imagining their own holiday celebrations there. So, be sure to leave them room to envision their lives in the home.

This goes for the outside too. Holiday lights can be placed outside very tastefully but ditch the huge inflatable characters that make it look like your yard is an amusement park. Instead, opt for a nice holiday wreath and some subtle seasonal decor. Keep in mind that curb appeal is what gets buyers in the door. If your home isn’t appealing from the outside, buyers won’t bother to stop for a look inside.

Stash the gifts. If you usually put them under the tree or around the house, save them for the day of your celebration. There are two reasons: presents take up precious floor space and they are a distraction. It’s a good idea to keep as many personal belongings as possible in a safe, private place.

Especially in cold weather areas, cinnamon pine cones or some other mild potpourris can be a pleasant welcome. But don’t go overboard with different fragrances in every room.

Another nice touch is to spruce up the mantle. However, if you usually hang stockings with your family’s names on them, you might consider using less personal ones while showing your home. It’s the same reason, stagers will put away your personal photos—to create a space where buyers can imagine their photos and belongings in.

Listing your home for sale during the holidays doesn’t have to make you blue; in fact it can truly brighten your spirits by putting some green in your bank account. Just be sure to focus on making your home a buyer’s dream this holiday season.

Feng Shui Basics - Water.

Feng Shui is an ancient Chinese ascetic which plays upon the idea of creating ideal energy flow within your home and life.

Its goal is to achieve proper flow of Qi, pronounced chee, or life energy. And through proper energy flow, you can help invite balance, harmony, and prosperity into your life.

The five elements commonly mentioned in Feng Shui, as well as other works of Chinese literature, are metal, earth, fire, water, and wood.

Let's focus on the basics of "water."

In this discipline, it is all about placement. You can start with the front door to your home. By placing a water feature on the left-side of the door's exterior (inside looking out), you can bring in good luck! There can be too much of a good thing, however. And that means water features on both sides of your front door can lead to unluckiness.

Where should you place water features? Ask yourself where you'd like to enhance learning? Try out an office or kid's study area.

Just avoid placing a water feature in a bedroom, bathroom, or kitchen.

If you are in the need of some "good luck" then consider placing a water feature in your "wealth spot."

In Feng Shui, this is located at the corner diagonally across from the living room entrance. Consider placing a fish tank in this great location! Even a small goldfish bowl can work it's feng shui magic.

Of course, you can always harness the true power of water by building or buying a house near an existing body of water! Wherever your home, keep water as a part of your balanced life.

It's Party Time... Etiquette!

Hey kids, are now entering the holiday zone! And with that comes parties, gatherings, and family meals.

Are you unsure what proper etiquette is for these affairs? Have no fear! We have you covered.

1. RSVP: This is an abbreviation of the French term, "répondez, s'il vous plaît." It means to please reply to the host/hostess on whether or not you will be able to attend. Many guests feel these days that the RSVP is optional, but the rules of good etiquette, and thus a good guest, dictate that you reply. Among other things, it helps the host plan for the amounts of food and drink to prepare.

2. Dress Code: Invitations will generally clue you in to the proper attire. Formal, black tie, and dressy casual are common dress codes. If the event is especially important, don't hesitate to ask the host about the dress code. And always play it safe and age appropriate. It is much better to be slightly over-dressed than to show up to a formal affair in your jeans and t-shirt.

3. Bringing Guests: You may feel that one more won't make a difference at a big party, but always ask the host if you may bring a guest. Yes, that even applies to small gatherings at a friend's home.

4. Bringing Food: At large family gatherings or pot-luck meals it would be best to bring a dish of some sort with you. It need not be home-made, just thoughtful. If you ask the host what you may bring and they say everything is covered, be sure to bring a hostess gift.

5. Hostess Gift: Unless this is a work soiree or large charity event, bring the hostess a small token of your appreciation. A bottle of wine or a bouquet of flowers are time honored favorites.

6. When to Arrive: For formal gatherings the rule of thumb is to arrive within 10 to 15 minutes of the time noted on the invitation. For more informal gatherings you can arrive up to 30 minutes after the time noted. You don't, however, want to show up early. Your hostess may still be getting ready!

7. How Long to Stay: If the invitation doesn't outline when the party is set to end, it can sometimes be difficult to know when to call it a night. Watch the other guests for cues. When half of the guests have left, it's time to say good-bye. Also, look for clues that the host/hostess has had enough.

8. Don't Be a Party Pooper: It is your responsibility as a party guest to be respectful of the other guests and to have a good time. Sulking or pouting in the corner do nothing but lower the overall morale of the event. If you feel a night of party pooperish coming on, then summon your party persona or excuse yourself from the soiree!

8. Saying Hello and Good-bye: Never come to a party without saying hello to the hostess at some point. And never leave without saying good-bye. The only exception is during a large affair when the hostess is obviously busy or in the middle of a conversation.

9. Thank-you notes: Even your grandma deserves to know that the meal she slaved over for a day and a half was appreciated. Sending a heart-felt thank-you card is always appropriate.

Follow these tips this season and you and your host are sure to have a grand time!

Is a Foreclsure Right for You?

Does buying a foreclosed property save you money?

If you are looking to make an investment, however, you need to consider the market in which you are buying a foreclosure. A weak and ailing market could mean values will continue to fall. Buyers may be scarce. This is not an ideal environment for an investment.

Other issues must be taken into consideration, as well. The process of buying a foreclosure can take weeks longer than traditional deals. This is simply the nature of the beast. A foreclosure is a legal process. A foreclosure also means you must buy title insurance. A title search will pick up errors before you sign the check and protect you if something was overlooked. In the unlikely event that a former owner returns to challenge the foreclosure, the insurance company will defend you.

Foreclosed houses also warrant very close home inspections. There have been horror stories of new owners finding cement poured down drains by the disgruntled evicted. Be sure to see the house for yourself before you sign on the dotted line. And have a licensed professional carefully examine the home.

Even if the property hasn't been purposefully vandalized, many foreclosures need extensive repairs. A home may simply have been neglected and older homes require updates and normal upkeep. Budget carefully as you assess how much work the property will require.

If you take all of these matters into consideration, a foreclosed property may be the ideal buy for you.

Happy Day of the Dead!

Did you all have a fun Halloween? No, well you're in luck, you have a chance to make up for it with "Day of the Dead"!

Day of the Dead is a holiday celebrated by many in Mexico and by some Mexican Americans living in the United States and Canada. The holiday focuses on gatherings of family and friends to pray for and remember friends and family members who have died. The celebration occurs on November 2 in connection with the Catholic holidays of All Saints' Day (November 1) and All Souls' Day (November 2). Traditions connected with the holiday include building private altars honoring the deceased using sugar skulls, marigolds, and the favorite foods and beverages of the departed and visiting graves with these as gifts. Due to occurring shortly after Halloween, the Day of the Dead is sometimes thought to be a similar holiday, although the two actually have little in common. The Day of the Dead is a time of celebration, where partying is common.

Scholars trace the origins of the modern holiday to indigenous observances dating back thousands of years and to an Aztec festival dedicated to a goddess called Mictecacihuatl. In Brazil, Dia de Finados is a public holiday that many Brazilians celebrate by visiting cemeteries and churches. In Spain, there are festivals and parades, and, at the end of the day, people gather at cemeteries and pray for their dead loved ones. Similar observances occur elsewhere in Europe, and similarly themed celebrations appear in many Asian and African cultures.

So if you didn't have enough Halloween... get your Dead on! (This may or may not include Jerry Garcia)

Go Green and Be Warm with Heated Floors!

It's that time of year again! We're feeling a chill in the air and the leaves are turning, you know it’s time to load up the fireplaces with wood, close up the windows, and turn on the floors.

Say what? Turn on the floors? Yes, radiant heating is as attractive to cold toes, it's better than wool socks!

These days radiant floors are becoming more popular especially for those interested in green design. There are several benefits for the environment and your pocketbook. As the floors get toasty warm, they help heat the rest of the room by warming it up and making it more comfortable on a cold night.

A lot of people rely on central heating systems and while these work, they often fill the upper part of the room with hot air--making it stuffy and not quite providing the warmth needed where people are actually present in the room. The even heat distribution helps lower the cost of the home’s heating bill.

But perhaps the two biggest advantages are silent and unseen heating. With no heat registers or radiators, you can place furniture how you like without being concerned about blocking a heating system. Of course, there will be no forced hot-air fan noise, making this an invisible heating design.

The concept isn’t new, heated floors date back centuries. The Romans used to channel hot air underneath their floors to warm their villas. Today, it’s the allure of going green that also adds to the interest of installing radiant floors.

How to Tighten Your Financial Belt

Many Americans live on a margin, spending more than they earn, using credit to make up the difference, and saving at near invisible rates.

Living past their means, they use credit to buy houses, cars, and merchandise that many experts would suggest they really can't afford. This "good life" is great, until the person is no longer able to make their payments. And as unemployment rates hover over 9 percent (U.S. Bureau of Labor Statistics), more and more Americans are finding themselves in this predicament and subsequently facing bankruptcy, foreclosure, and even homelessness.

Are you one of the millions who need to put your debt on a diet? This financial restructuring just might help you save your home one day. Take a moment to look over these tips.

1. Credit Cards: Don't just pay the minimum payment each month, pay as much as you can. If you owe a credit card company $5000 at 18 percent interest and all you do is pay the minimum each month it will take you over 30 years to pay it off. Call your card companies and try to negotiate a better rate, as well. Pay off the cards with the higher interest rates first.

2. Emergency Fund: In today's economy it is important to be prepared for long stretches of unemployment. Each household should have an emergency fund equal to eight months worth of bills.

3. Wants Versus Needs: The best way to start saving more, is to start spending less. In this country we have created a tradition of expecting bigger and better. It may be time to examine your lifestyle and to be realistic about what you can really afford. And that doesn't mean what payment you can afford, but what you can actually afford to buy.

4. Increase Your Income: There may be extra ways for you to have cash coming in, including selling off unneeded items. If your debts are large, you may consider taking on a second or part-time job. If you are a stay at home parent, perhaps you have skills that will allow you to work part time from your house, such as design work or even baby-sitting.

5. Plan for the future. Many Americans have no retirement savings. Consider changing your priorities from "plenty now" to "enough for the future." Exchange the morning Starbucks for savings bonds and IRAs.

Overall, it's about restructuring how you approach life. The saying, "Money can't buy you happiness," couldn't be more true. You may be surprised that exchanging weekend shopping trips and dinner out for family game nights and home-cooked meals may be a welcome change in your family.

Some Home Buying Tips...

As you hit the internet or paper or start calling your favorite real estate agent, such as myself... here are a few things you should consider:

• Study - Do your homework before you buy. Review the prices of comparable homes in the neighborhood, a real estate agent can provide the latest sales data.

• Cure your credit - Today's best mortgage rates require a credit score of more than 700. Learn how to boost your credit score before you apply for a mortgage. Not only will a low credit score cost you more in terms of the interest rate on your mortgage, it could also prevent you from obtaining a mortgage.

Go to AnnualCreditReport.com, the only federal government-sanctioned service for obtaining a truly free credit report from one or all three of the major credit bureaus. The report is free, but you will have to pay a nominal fee to get your credit score.

• Consider a 'Lucky 7' loan - Take advantage of the lower interest rates available with a 7/1 adjustable rate mortgage (ARM), when compared to a fixed-rate 30 year mortgage. The interest rate on a 7/1 ARM is fixed for seven years. In the eighth year the loan resets as an ARM. Just be sure you know what the margin, life cap and periodic caps will be beginning in the eighth year to avoid surprises. Use those seven years to reduce debit and increase your income in preparation for what is likely to be a much higher rate than your starting rate.

• Get pre-approved - Go beyond prequalifying for a mortgage, which only tells you what you can likely borrow. Get a pre-approved mortgage and you'll know your home price shopping parameters. You'll also present yourself to the seller as a serious buyer. Financing in hand will also help level the playing field with all-cash buyers and investors and it will help you negotiate a better purchase price. I CAN'T STRESS THIS ONE ENOUGH!

• Inspect everything - Get a home inspection for a new home, a resale home, a nearly new home or a very old home. Always. Just because it's new doesn't mean it's defect free. Hidden problems can torpedo the value of your home.

• Read the title report - Make sure that any new additions or construction to an existing home are fully permitted and recorded with the local municipality.

• Check the appraisal - Likewise check the appraisal report for any oversights, missed features or other errors that could cause the property to be undervalued.

• Negotiate - Don't be afraid to dicker. It's a buyers' market. Concessions are available from both new home builders and existing home sellers. Ask for help with the closing costs, repairs, even furnishings and other perks. Motivated sellers have much to offer.

• Don't skimp on the help - If you look for the least expensive attorney, real estate agent, inspector, etc., you will get what you pay for. Ask family, friends, co-workers, realty professionals and others you trust for referrals and then carefully vet them.

It's Gutter Time!

As the leaves are starting to fall right now, it's time to think about cleaning the rain gutters.

Debris from pine needles and leaves that collect in the rain gutter can lead to a fire hazard as well as block the rain gutter’s function, causing water to back up and potentially weaken the gutters and the home’s eaves. It can also create standing water which can lead to rot, mold, and mosquitoes.

Trying to clean gutters yourself can be quite dangerous. There are several deaths a year that were caused by falls from roofs or ladders while cleaning gutters.

There are some systems on the market that claim to keep the gutters free of debris and leaves. However, experts caution that in heavy rain storms sometimes certain products may malfunction by causing the leaves to dam up on the rain and prevent rain from entering the gutter too.

The bottom line? Use experts to safely clean your gutters. And even if you have gutter guards, don’t rely solely on them--have your gutters checked regularly.

A Common Investing Mistake...

Let's start with the first common investing mistake -- not understanding local market realities.

Not every property in every city is going to make money for you even if people are buying them for pennies on the dollar. Not every deal is a good deal. Pay attention to where the markets are going to continue to be better or continue to improve as opposed to continue to have problems.

When investing outside of your own local area, is it important to work with professionals you can trust to have your best interest at heart.

There is a difference between price and cost. The price can be right but the cost can be huge. There is a reason the price is right and it's because the property doesn't make any money.

If you can't find someone in another market who you can trust and you can rely on, then don't buy there unless you can go visit it for yourself. Know your market. Know where the good neighborhoods are. Drive through in the daytime and then drive through about ten o'clock at night. Take a look and see how it looks then. See what comes out from under the rocks and if you don't like the looks of what comes out, you don't want to buy there because it's going to be nothing but trouble. Know where the things are going to be improving, where they're going to build new shopping centers, freeway interchanges, new convention centers, hotels, etc. Find out the areas that are trending and capitalize on that.

Caution: Laptops May Result in Skin Burns...

A medical report says people who work with computers on their laps for long periods could suffer from "toasted skin syndrome."

In one case, a 12-year-old boy developed a sponge-patterned skin discoloration on his left thigh after playing computer games a few hours every day for several months. Ew.

The danger has been highlighted by Swiss researchers in an article Monday in the journal Pediatrics.

The condition is generally harmless but can cause permanent skin darkening. In very rare cases, it can cause damage leading to skin cancers.

They do not cite any skin cancer cases linked to laptop use, but suggest placing a carrying case or other heat shield under the computer. Or perhaps you can just wear some kevlar pants...

What You Need to Be Your Own Handyman...

Now that you have moved into your new home, it's time to put on a new hat, that of "handyman." For the big jobs, like roofing and rewiring, you'll more than likely still rely on a professional. And unless you are truly versed in those specialties, that is what we'd recommend!

But there will be many small jobs that come up which you will be able to fix on your own. To complete those jobs, you'll need tools.

So, what tools will you need as a new homeowner? Here is a list of suggestions:

1. A toolbox. Keep everything together and you'll never waste time hunting for the right tool.

2. Hammer. It seems basic enough, and it is. If for nothing else, you'll need it to hang all your artwork and pictures.

3. Level. From hanging pictures to framing a garage, a level is a must for any handyman.

4. Screw Driver. You'll need more than one! Be sure you have multiple sizes of both phillips-head and flat-blades.

5. Plyers. Have you ever tried to disconnect a fitting on a pipe? You need plyers.

6. Hand Saw. Many handymen prefer power tools, but for those remote spots with no electrical access, you can always count on a hand saw.

7. Tape Measure. How long does that new counter-top need to be? Do we have room for the couch to fit through the front door? Exactly. Use a tape measure... measure twice, cut once!

8. Wire cutters. For what else? To cut wires!

9. Cordless, Reversible Drill and Bits. Uh... for drilling and taking out screws.

10. Utility Knife. This is great for cutting exact edges.

11. Vice/clamps. Connect a vice to your workbench and use it to stabilize items you are cutting.

This is just a starter kit. There is a tool for practically every need, so over time, your tool box will grow considerably!

Becoming your own handyman is a learning process, so don't be too hard on yourself. There will be a lot of trial and error. That's half the fun. Enjoy your new home!

Boring Street Signs Don't Get Stolen...

A rural Georgia county is losing about 550 street signs a years to thieves and a commissioner says he has a solution: Make the names boring.

McIntosh County Commissioner Mark Douglas serves a rural county about 60 miles south of Savannah. He says signs marking Green Acres, Boone's Farm and Mary Jane Lane are frequently stolen.

He suspects the thieves are targeting those signs because they share names with a popular TV series, a low-cost wine or, in the third case, a slang term for marijuana. Uh... ya' think?

It's become a costly problem. County Manager Luther Smart says the area is paying $17,000 a year to replace the signs.

Hey, here's a thought... whatever happened to old school names like, "Main St.", "Maple Ave.", "Locust St."? Boring yes, but you'll keep your signs and won't have to give the spelling every time you give out your address.

Some Tips to Avoiding Foreclosure...

In a country with a growing foreclosure rate, new default notices being sent every day, and an unemployment rate over 9 percent, the chances of foreclosure affecting you or someone you know is on the rise.

If you find yourself struggling to make your payments, here are some ways to avoid foreclosure.

First, be realistic about your situation. Answer phone calls from your lender and open your mail. This is the time to face your problem head on. Could a foreclosure be on the horizon?

If you are having trouble making monthly payments on other bills, now is the time to pay attention. Your mortgage could be the next bill that becomes too much. In order to curb missed payments, prioritize your spending.

Establish a budget and cut out any unnecessary spending (e.g. movies, cable, eating out, shopping) until you are in a more stable financial state. Apart from healthcare, there is nothing more important than your home. If you have assets to sell off, then do so! The cash may be better spent in helping you save your home.

Next, call your lender to explain your situation and to see what options are available. In these tough economic times, many lenders have programs that may help you stay in your home. Foreclosures do more than run ruin on your credit score, they also affect a lender's bottom line. If working out an agreement with you can help them save that bottom line, the changes of them helping you are high.

Some options you may discuss with your lender include refinancing, reinstatement (where your lender allows you to pay the money you are behind in one lump sum and by a certain date), forbearance (a temporary reduction or cessation of your mortgage payment), a new repayment plan, and loan modification (a permanent change to some of the terms of your existing mortgage).

Beware of scammers during this process. Help and counsel from your lender should be free of charge. If you come across someone requesting a fee in order to facilitate help, chances are it is a scam.

The sooner you contact your lender, the better. Don't wait until you are days away from being foreclosed. The process of working out an arrangement with your lender could take multiple phone calls and weeks of time.

The History of Penfield

http://www.democratandchronicle.com/article/20100921/NEWS0211/9220305/1003/NEWS01/Penfield-began-as-prosperous-mill-town

Here is a link to a great article with a little bit of history on the town of Penfield. Learn how Penfield was founded and read about it's start as a prosperous mill town.

Use Coffee Grounds to Clean? Say What?!

Hate to clean? Yea, I hear ya'. So, here are some quick fixes with items you already have in your house...

Try coffee grounds to keep your refrigerator smelling nice and fresh, just as you do with an open box of baking soda. Place them, new or used, in a bowl and remember to replace them every month or two.

Use ice to cleanse the blades in your garbage disposal and break up the grease that collects on the rotors. Every few weeks, toss in a handful of cubes, turn on the disposal and run cold water. Add some orange, lemon or lime peels to ward off odors.

Get baked-on foods off pots and pans with a dryer sheet. Just place one in a pot, fill with water and let sit overnight, then sponge off the next morning. The antistatic agent weakens the bond between the stuck-on food and the surface of the pan, while the fabric softener works its loosening magic.

Cover the bottom of your trash can with old newspapers. It's an easy way to keep clean and soaks up leaks and odors.

I'll see you all later, I'm off to find some coffee grounds, ice, dryer sheets, and newspapers. Happy cleaning!

What's Eating You? Maybe it's Termites...

Don't let termites prevent the sale of your home.

There are a few signs that may indicate there might be an infestation. Termites tend to be most active in states with warmer climates, but can be found nearly anywhere and the varieties of the insects differ depending on the area and climate.

Many homeowners don't think about the possibility of having termites until they're getting ready to sell their home. Unfortunately, a history of termite issues can eat away at the sales price. Being prepared and understanding what to expect from an inspection is not only helpful but could help ensure a better price and smoother home sale.

Here's what you should know about termites.

If my neighbor's home is infested; will mine be attacked next? TermiteInstitute.com says not necessarily. However, the risk is, of course, high. Preventive treatment is recommended.

How are homes treated for termites? The methods vary depending on the severity and the professional company that you choose but a couple different methods include, termite bait systems (requires termites to eat poisonous food) and, liquid termite treatment (poisonous liquid applied throughout the structure and surrounding soil).

Will my homeowners' insurance pay for treatment? It's not likely. Although, in some areas of Louisiana some insurance companies have covered termite treatments for those structures that suffered hurricane damage.

While termites are annoying and can certainly eat away at your sale price. They can cause severe structural damage, but they are not harmful to humans. It's best to know right away whether you have an infestation and what your options are to resolve the problem. It could save you money and frustration when it comes time to close the sale on your house.

How to Prepare for Open Houses

Many sellers love houses, but having to clean and get their home organized to possibly snag a buyer.

But preparing for an open house doesn't have to be difficult. If you're living in your home and trying to show it, here are a few quick tips to get you organized.

- Coil it up! This might not come to mind right away but, until everything is wireless, we have to deal with those unsightly long cords. Using devices, such as the Cableyoyo or even twist-ties, will clean up the clutter and leave your electronic areas looking much better. When you have electrical cords in a jumble behind your entertainment center (but still in view) it creates a feeling of chaos and clutter--not to mention, the cables collect dust and then can create an impression in the buyer's mind that the home is dirty.

- Off the table into the portable bin. Get a portable file cabinet--small but one that can hold about a week's worth of papers. Leave it in the living room and instruct family members to place their papers in their labeled folder when they're finished reading them.

Homework, newspapers, documents that need signing should all be placed in the family member's folder and not stuffed in between couch cushions, entertainment center shelves, or left on the coffee table. Just before the open house, you can easily and quickly do a sweep of the rooms, picking up papers and storing them in the appropriate folder in the portable file cabinet.

- You don't want Guns 'n Roses singing "Welcome to the Jungle". Go green selectively. We're talking house plants in this next tip. The folks at HGTV recommend that your house plants be placed on a cute stand or in several decorative pots. While plants are usually seen as a welcome addition, creating a jungle with too many big, sprawling plants in your living room won't go over well.

- Put all your personal care products out of site in the bathroom. Clutter is not attractive and no one wants to see your anti-fungal foot spray.

Implementing these quick tips can help you be prepared in a moment's notice, saving you hours of searching for items that would have otherwise been swept up and crammed into any hidden place.

But What About The Floors?!

Ah the age-old question... with at should I cover my floors? Carpet? Hardwoods? Throw rugs? Linoleum? Burlap? Well maybe not burlap, but I did show an eclectic city condo where the floors were covered with bamboo mats, wall to wall.

There is no "right" answer, it's all a matter of taste. Well, sometimes it is a matter of affordability as well.

For price, low and medium grade carpet may cost less up-front, but the average lifespan of carpet is only 10 to 15 years, so you will be looking to replace the carpet several times over your own lifetime. And you must figure into that cost the yearly cleanings that are a necessity to keep healthy and attractive carpets.

Hardwoods range widely in price, depending on their popularity, but there are affordable options for most any project. In addition, hardwoods can last a lifetime with proper care, even if they may need to be sanded and refinished down the road.

Hardwoods are low on the maintenance scale, with "proper maintenance" being key to a beautiful, long life for your hardwoods.

Additionally, the American College of Allergy, Asthma, and Immunology recommends that house dust allergy sufferers "remove wall-to-wall carpets from the bedroom if possible." Have a child with asthma? Ninety percent of asthma sufferers are allergic to dust mites. And dust mites love carpet.

Carpet installation itself also rears another ugly head. There are chemicals used in most modern carpets that emit fumes for months and years to come. These fumes can cause headaches and runny eyes and nose. There are, however, natural options available for more eco-friendly carpets. These options, though, will more than likely add to your overall cost.

The choice is entirely up to you on which flooring option is right for you. Be sure to do your due diligence with research and price comparisons before making any final decisions!

John Lennon's Killer Denied Parole Again

I know this maybe a bit of a different topic than usual, but I thought it was interesting...

John Lennon's killer has again been denied parole, nearly 30 years after gunning down the ex-Beatle and iconic musician outside the singer's Manhattan apartment building.

A parole board today denied Mark David Chapman his freedom after an interview at Attica Correctional Facility in upstate New York.

It was Chapman's sixth appearance before the parole board since becoming eligible for release in 2000. He's eligible again in 2012. Chapman had been scheduled to appear last month, but the hearing was postponed by parole officials. They said at the time they were awaiting additional information. It's not known what that information was.

Chapman was sentenced to 20 years to life in prison for shooting Lennon four times in December 1980. Four times, as if he were an assassin. He was an assassin.

So, what do you think? Has he served enough time? Or is he hopelessly mentally ill and dangerous? I wonder what the experts say.

How to Prevent Your Entryway from Being Declared a Disaster Area...

They say first impressions are everything. So what area should a homebuyer make sure is inviting and well kept (after the outside, of course)? The entryway.

The goal of homeowners everywhere should be to have not only functional, but beautiful entryways. The reasoning is simple. For most families, entryways see a lot of traffic. And it can easily become a dumping ground. They house shoes, coats, purses, and keys, as well as often used toys and tools.

And for every home, the entryway is the very spot where guests and buyers will form their first impression. This means disorganized is out and clean is in. Here are a few simple design and organization tips that can take your entryway from disastrous to fabulous.

The key to a clutter-free entry is storage. Option one would be built-in cabinetry. Pick materials and colors that follow the design ascetic of your home. Hang and fold your items and then shut away the clutter.

If you don't have room for built-ins, then consider a free-standing shelving unit with cubbies. Baskets are an attractive way to keep everything from mittens and hats to ball gloves and racquets organized.

Have even less space? Even simple hooks can have a great organizing effect.

The next tip is to have some sort of seating. Make an inviting spot for children to sit while removing winter boots. Bench seating with storage underneath can be a perfect combination of functionality and looks, and you can add a pop of color with a colorful cushion.

Pay careful attention to flooring choices in your entryway. You want something that is durable and hides dirt easily. A popular trend in today's home is slate tile, with its dark hues doing wonders for masking dirt.

If your entryway is more formal and you choose not to have any cabinets, then be sure to hide away coats and clutter in the nearest closet. A simple console table with drawers can be used to hold keys and phones. Consider installing a docking station in the drawers of the table to hide chargers and cables for iPods and phones.

These simple tips can make a big difference in keeping your entry organized.

Back to School Shopping in Your Desk Drawers!

Here is a very important back to school tip... lock your doors after they have left for school.

No! Just kidding... we all love our kids. Here is a bit of advice for back to school shopping... go shopping at home first. Yes, take that all important school supply list and look through the items left over from last year before you head to the local big box store.

Often times, kids have 3 ring binders from the year before that they still have some life left in and can use again. Same thing with spiral notebooks, frequently parents will buy notebooks with a couple hundred pages and maybe 20 pages will be used, especially in the lower grades. So, rip out those used pages, and use them again! Other reusable items: glue, rulers, pens, crayons, paper clips, and calculators. No need to buy yet another 10 pack of brand new notebooks, when you have 14 barely used ones already at home.

If a teacher insists on having brand new items, suggest to them that it's more responsible to "reuse and recycle". Not only does reusing items from past years save the parents money, but it conserves valuable resources too.

Have a safe and successful school year!

The Latest Kitchen Design Trends...

The kitchen is often one of the most important rooms in the house that people consider when shopping for a home. Most likely because we spend so much time there.

The National Kitchen and Bath Association (NKBA), founded in 1963 as The American Institute of Kitchen Dealers, has nearly 40,000 members. Earlier this year it released its top trends for kitchens and bathrooms for 2010.

Here is a look at some of the top trends from NKBA:

Concealed Kitchens. This means the kitchen area blends with other areas of the home. Items such as commonly used appliances may be concealed, refrigerators and dishwashers may have facades to blend in with the cupboards. Ultimately, the harmonious blending of color, design, and functionality make kitchens aesthetically pleasing and useful.

Thirst-Quenching Stations. Beverage stations are becomming quite popular, complete with under-counter refrigerators that hold beverages and wine. Many of these beverage stations include a coffee station due to our great love of "joe" in this country. The design typically includes space for stemware, beverage mugs and glasses, and condiments. This setup allows people to gather to quench their thirst while being out of the way of the chefs.

Rounding Out the Edges. Countertops, islands, archways, and even light fixtures, are being designed with soft, round edges.

Varied Heights. No more monotony. Kitchen countertops, islands, and even walls are being designed for specific purposes and that means their heights are varied.

Asian influence. The impact of Japanese design is showing up in subtle ways such as "clean lines, open spaces, and neutral color palettes with bold splashes of color in select areas," according to NKBA. The association says oftentimes there will be "one strong anchor piece of Japanese origin" that designs are built around.

Whether you're shopping for a new home or thinking of remodeling your current home, remember that trends do change. However, those that tend to stick are the ones that combine pleasing looks with highly functional features. But in contrast, you can never go wrong with the classics. Most importantly, make your home comfortable for you.

"Amanda's Law", carbon monoxis detectors now mandatory...

"Amanda's Law" became effective February 22, 2010, it requires carbon monoxide detectors in every one and two family property and apartments in a multiple dwelling, as well as all condominium and cooperative apartmetns only where the dwelling unit has appliances, devices or systems that may emit carbon monoxide or has an attached garage. Your real estate professional must make you aware of this new law and advise you of your options.

The law is named for Amanda Hansen, 16, of West Seneca, who was found unconscious at a friend's house in January 2009. Officials later determined she had been exposed to lethal levels of carbon monoxide in the home's basement, where she and her friend were having a sleepover. She later died at South Buffalo Mercy Hospital.

The symptoms of carbon monoxide poisoning are often mistaken for the flu and can include dizziness, fatigue, weakness, throbbing headache, nausea, vomiting, irregular breathing, sleepiness and confusion. By the time people realize there is a problem, they are often too sick or too disoriented to get out of the house and get help.

New York State Fire Administrator Floyd A. Madison, states that carbon monoxide poisoning is the number one cause of poisoning deaths in the United States. “More than 2,100 people die from carbon monoxide poisoning every year and over 10,000 people are injured, including, on average, 100 New Yorkers.”

If you don't already have one, please get yourself a carbon monoxide detector, it could save the lives of you and your family.

Summer Bucket List

Quick... with 2 weeks left (unofficially) to the summer, what would you like to do that you haven't done all summer? Something you have been meaning to do, but haven't had the time? Something you want to do, but haven't had the motivation to plan? Let's here your Summer Bucket List...

Mine, is of course to spend more time with my family, but I managed to get a few adventures in... Do tell.

30 and 15-Year Fixed-Rate Mortgages Continue to Inch Downward

Freddie Mac this week released the results of its Primary Mortgage Market Survey , and for yet another week, the fixed-rate mortgages reached another low, while the 5-year adjustable rate remained tied at its low for this survey. 

30-year fixed-rate mortgage averaged 4.42 percent with an average 0.7 point for the week ending August 19, 2010, down from last week when it averaged 4.44 percent. Last year at this time, the 30-year FRM averaged 5.12 percent.

15-year FRM this week averaged a record low of 3.90 percent with an average 0.6 point, down from last week when it averaged 3.92 percent. A year ago at this time, the 15-year FRM averaged 4.56 percent.
This week marks the ninth straight week in the Primary Mortgage Market Survey that 30-year-fixed mortgage rates have met or set a new record low.

The Consumer Price Index indicates that current inflation is very low.  The last time price growth was this low was the year ending January 1966.  But this is also a sign that the economy is trying to right itself.

And what this all means to you… it’s a great time to buy a home.

"Taste of Rochester" This Weekend!

Taste of Rochester kicks off this weekend!   Some of Rochester's favorite restaurants will be on hand downtown for everyone to sample their wares. Taste of Rochester is a chance to check out the best dishes and drinks from hundreds of local restaurants all in one place.


For those of you needing to get downtown for other reasons, just be aware East Main Street between Saint Paul and State Streets will be closed starting at 9 a.m. Thursday morning.  The actual event starts Friday at 12 p.m. and runs through the weekend.  Admission is free before 6:30pm, and $5 after. You must buy tickets for food and beverage tastings, different items are worth different numbers of tickets.  Ticket prices are $5 for 4 tickets, $10 for 8, $20 for 16.







For more information visit www.tasteofrochester.net.  Mangia!

What to do About Neighborly Disputes...

It may be difficult to reach amicable decisions when it comes to neighborly disputes, and that can lead to an uncomfortable or even hostile living environment.

When you share a property line with another individual, there may come a time when you will be involved in joint decisions. Should your fence be replaced? Who is responsible for the cracking sidewalk? And can you cut down that overgrown vegetation obstructing your view?

Here are some of the most common causes of neighbor disputes, and how to handle them in a "neighborly" way.
1. Trees: In general terms, you are allowed to trim branches that overhang onto your property line, but no more. The actual tree owner is whoever's property contains the trunk of the tree. If you damage or destroy a tree that is not your own, you are liable for damages that may well exceed the value of the tree. If there is danger of a tree falling on a structure on your property, then you may have recourse through local and city ordinances.

2. Fences: An ugly fence is an eye-sore to be sure, but as a homeowner you have no recourse against ugly (unless your HOA has specific fencing specifications).

A fence that is in disrepair, however, is the responsibility of both you and your neighbor. According to legal experts at nolo.com, "Unless the property owners agree otherwise, fences on a boundary line belong to both owners when both are using the fence. Both owners are responsible for keeping the fence in good repair, and neither may remove it without the other's permission. ."

3. Noise Disturbances: Nearly every town has a noise ordinance, which generally outlines the reasonable times and decibel levels at which a resident may make "noise." If you are having a recurrent issue with a neighbor, it may be best to allow local authorities to enforce their own ordinance.

When an issue arises, take it upon yourself to talk to your neighbor one on one. Approach the situation gingerly. Be conscious that for every viewpoint of your own, there are 10 other, and equally valid, points.
Try not to broach a subject when you are angry or emotional. Matters of property are not ones to discuss while heated.  Listen carefully to your neighbors opinion on the issue. And then express yours as calmly and clearly as possible. Be willing to make a compromise, as well as to offer concessions to a neighbor.

If a calm and direct approach does not work, then you will need to hand off this issue to the appropriate authorities. Your first stop is your local Homeowners Association. If no HOA is over your jurisdiction, then local city officials may be able to help, depending on the issue.

Your final course of action is legal. This may, of course, break an already stressed relationship, so you must be prepared for a strained environment if you do so.  If a legal decision is rendered that is not in your favor, be sure to accept it and to move on. There is no need for harassment or childish behavior.

Join Our New Facebook Page for Penfield Rd!

Do you live along the Penfield Rd./Route 441 corridor? Or do you have any interest in re-locating to that area? If so, join our new fan page on Facebook, “I Live on Penfield Rd./Route 441”.


This page was designed as a way for neighbors to get to know each other and to share information and concerns about the area. Those who are looking to move into the area to garner more information can also use it.

We hope that people will maybe share information about favorite restaurants or stores in the area. Maybe you can even share with us your favorite evening walk route! We also hope to plan some events such as a neighborhood garage sale, or Christmas decoration competition.

So, please join us if you live in the area of Penfield Rd./Rte. 441 or have any interest in the area!  

http://www.facebook.com/home.php?#!/pages/I-Live-On-Penfield-RoadRt-441/145009575517494?ref=ts

Moving the Family Pet

In all the things that we do to prepare for a move, the one thing we sometimes overlook is how it will effect the family pet.

Our pets thrive on our love, but they also thrive on routine.   A move can be a hectic time, where daily walks, feedings, and sleep schedules may be interrupted.

Here are five tips to make your move more pet-friendly.

1. Veterinary Visit. Your veterinarian is a wonderful source of information and resources about your upcoming move. Be sure to ask them about sedation options for air or car travel, vaccination boosters, and even micro-chipping. Your dog or cat may be disoriented by the move, and using micro-chipping and updated tags can be helpful in recovering a lost pet.

If moving to a new area, be sure to scope out a local vet's office if needed, as well as an emergency vet clinic, for those accidents that always seem to happen when we're least expecting.

2. Car Travel. It is best to hold food from your dog 4 hours prior to travel, especially if they are not used to car trips. Even dogs get car sick! Take frequent bathroom breaks along the way, and be sure to offer water during stops.  

3. Familiar items. Part of a healthy transition is to surround your dog with familiar pieces, such as bedding and toys. If your dog is used to sleeping in a bedroom, consider setting up their space first thing during the move. This can help them to feel secure, even in the chaos of a move.

4. Food. Sensitive digestive tract or not, a move is not a time to change the type of food you feed your pup. So be sure to stock up on their preferred variety before the move to ensure you don't run out. Also, be sure to feed at your normal time in order to keep up your daily routine.

5. Dedicated Playtime. Exercise is extremely important for the physical and emotional health of your dog. A move can be a stressful time, making exercise even more important. Be sure to take your dog on daily walks, and to spend a good amount of time on stimulating play.

Use these simple steps to help your pet transition smoothly into his new home

Buying land, is it a sound investment?

People are living longer healthier lives so there are longer retirement years. Also people want to be able to travel, possibly have a second home, and generally have money in order to enjoy their retirement years. There are many ways of saving money and planning for the future. A great solution is land investment.


Purchasing land can be done with two missions in mind, either anticipating building a second home or newer/retirement home on it or re-selling it for a profit one day.  You may find you might even change that mission as you go along.  Having the knack of knowing what area maybe in demand someday that a developer would pay millions for is a big bonus when picking a plot of land, but we can't all be so lucky.  But make a decent some is perfectly reasonable.

Land investment is a solid way to turn a profit in a fairly short period of time, especially if the land is located in a growing area. There will never be more land created, so it is a closed market. The taxes on undeveloped land are very reasonable so the investment is cost effective. There is no maintenance involved and land prices are usually not affected by the stock market. This makes for a sure, sound investment if you are looking to expand your portfolio.

Saturday’s Great Gastronomic Adventure

After reading the recent issue of Edible Finger Lakes, I decided to plan an outing with my family that included several stops at places I had read about.

The journey began at 8:30AM. We piled into the car and headed to Bruegger’s (not mentioned in the magazine BTW) for bagels, coffee and chocolate milk for Jack. And then on to King Ferry and our first stop.

At 10AM we arrived at the McGarr Farm and Dairy for a visit with Keeley McGarr, cheese maker extraordinaire! http://www.keeleyscheeseco.com/ We sampled her two semi-soft creations both made from raw milk and one washed with Chardonnay from the King Ferry Winery. One of them reminded me of one of my Italian favorites, Taleggio. We bought a chunk of each and made our way to the next stop.

At 10:30AM we pulled into the King Ferry Winery, http://www.treleavenwines.com/, the first unplanned but necessary stop. Someone had too much coffee! Feeling obliged we bellied up to the counter for a tasting. Admittedly, New York State wines are not a favorite but two which we sampled were palatable enough to buy. We left with a bottle of the estate Pinot Noir and the barrel fermented Reserve Chardonnay. An expensive pit stop!

After the tasting we dashed back to route 34B and south along the sunny shores of Cayuga Lake, through Ithaca, and north, now on the Lakes east side, on route 89. Next stop lunch!

At Noon we arrived at The Copper Oven at Cayuga Ridge Estate Winery in Ovid. http://www.slowfoodonthego.com/ Our repast, two mouth-watering wood fired pizzas made with local ingredients. Delightful and sated now a stroll through the vines and short repose on the winery’s rolling hills before the last leg of our trip.

On our way north we made the second unplanned stop. The Normal Bread Company in Geneva. http://www.normalbread.com/ A round of Sourdough, 7 Grain, Cheddar and of course cookies for Jack and we were back on the road to our last stop in Lima.

At 3PM we arrived at the Seven Bridges Farm to pick-up some hormone free, pasture raised beef. http://www.sevenbridgesfarm.com/ Along with the beef we bought a couple of chickens and a few heads of site grown garlic for the pantry. On the way home we busted out a bag of their beef jerky. Succulent, smoky and sweet.

Finally back home we prepare our dinner. Pondhopper cheese from Keeley McGarr and 7 Grain bread. Pinot from the King Ferry Winery. Porterhouse steak on the BBQ. Next time join us for a caravan excursion!

Is Your Home Redy to Show?

So you put your house on the market, you're ready to get that thing sold!  You just sit back and wait for the hoardes of buyers to come through and one will buy, just like that?  No.

A good test is to get a friend to come over, one who doesn't come over often, and give you their opinion.  Would they buy your home?  Doesn't it look appealing?  Clean?  Inviting?  And then ACT on their advice.

 One of the most common complaints is that homes have too much clutter.  Most buyers don't have the ability to see past the "stuff" and just look at the house.  So, you, the home owner must present your home in the best possible light.  You need to get rid of the "stuff".  Less is more. 

The best way to get rid of the clutter is to throw out, give away, or sell what you don't need.  If that is not possible, get a temporary storage unit and put as much as you can in there, just keeping minimal furniture and personal items in the house.  What personal items you do keep in the house (i.e. jewelry, toiletries, figurines) should be kept in cabinets, drawers, closets, etc. 

And most importantly, keep your home clean.

Credit Score Myth Busters!

There are many misconceptions about what effects a credit score. Here are a few myths about what effects your credit score:


1. Bouncing a check. A returned check for insufficient funds in your checking account will not reduce your credit score. Information from your bank accounts is not reported to any of the credit bureaus, thus it has no effect on your credit score.

2. Checking your credit report. Checking your credit report at AnnualCreditReport.com once a year from each of the three credit bureaus will not only not effect your credit score, but it is a wise idea. This credit check will not be a ding on your credit and it will help you keep an eye on what is on your report and what shape your credit is in. Do not buy into any of the scams that make you sign up for a service and spend money. AnnualCreditReport.com is all you need to know.

3. You need to get rid of all of your debt. Wrong! You need to show that you have some ongoing, current credit. It is wise to have at least one credit card and use it once a month and pay it off or make on time payments each month, to show that you have active credit.

4. Pay off your mortgage. Again… wrong. It’s good to have a mortgage; it shows you have assets and equity. It provides a lot of leverage in the credit world.

There are many more myths and tips. It is wise to speak with a credit specialist such as a banker or mortgage broker if you have concerns or questions on your credit. Your best offense is to find out your credit score and consult a financial expert with questions.

Digital Devices May Cause Eye Strain

Eye pain, fatigue and headaches are common indicators that your digital devices may be causing you discomfort. These devices include computer monitors, TVs, Smart Phones, video games, anything with a lighted screen.

According to recent research with VSP Vision Care eye doctors, 33 percent reported that nearly one third or more of their patients suffer from symptoms of Computer Vision Syndrome or digital device-related vision problems. The most common symptoms of patients suffering from Computer Vision Syndrome include eye strain, dry or irritated eyes, fatigue and headaches. Yet, two in three eye doctors report 20 percent or fewer of their patients even know what Computer Vision Syndrome is, showing a low level of understanding of the condition.

It is important for everyone who uses these devices often to get an annual eye exam and discuss their digital usage with their eye doctor. VSP Vision Care recommends the following tips to help lessen the symptoms of computer-related eye strain:

1. Blink often. This will help keep your eyes moist and prevent dry eye.

2. The 20/20/20 Rule: When spending long periods in front of a digital device, every 20 minutes, spend 20 seconds looking at something 20 feet away to allow your eyes to rest.

3. Ensure Proper Lighting: Poor lighting often causes eye strain. To help ease the strain on your eyes, keep bright lighting overhead to a minimum and position your desk lamp to shine on your desk, and not at you. Position your computer screen in a way that reduces reflections and glare from windows or overhead lights.

Pay attention to how you are feeling when you are using these devices, and take these steps to ease eye discomfort. A little prevention goes a long way.

Tips for Your Final Walk-Through

As part of a real estate deal, a final walk-through is always offered. Do not pass it up! Within a week before you close take the time to visit the home you are buying again. Take the time to inspect the items that you may have negotiated to be repaired or changed. Make sure nothing has changed significantly since you were last in the home. It’s helpful to bring your purchase contract with you to check off the items that were supposed to have been taken care of.


Also make sure any items that were promised in the contract are still in the home, such as appliances, window screens, storm doors, remotes, ceiling fans, window treatments, landscaping and fixtures. Make sure that the major systems are properly working such as heating, cooling, plumbing, and hot water heater. Be on the lookout for any damage that wasn’t there before that could have been created in the move, such as holes in the wall or scratches on the floor, and outside damage as well. You are also entitled to a “broom swept” home; you don’t have to accept it’s condition if it is filthy.

You have the right to buy the home in the condition you thought it was in the last time you saw it. Exercise your right to inspect the home and make sure everything is in order, because after the sale has closed, it is not the seller’s responsibility anymore, and nothing can be done about it. Make sure you get what you paid for!

Know Your Budget Before You Buy

There are many things you need to consider before buying a house, however there is one that should take precedence… your budget.


Most people don’t take a good hard look at their budget and crunch numbers before buying a home. It really is the smartest thing you can do to prepare for acquiring a new home. First, add up all of your income, if you are a couple, add together all sources of income, AFTER taxes. Then add up all of your monthly expenses, this includes everything from utility bills, to credit cards, car loans, food, entertainment, dry cleaning, hair cuts, etc. You must take everything into account to see how much you can comfortably spend on a mortgage payment each month.

However, you must also leave enough room in your budget for the expenses of being a homeowner – repairs, appliances, decorating, etc. This will give you a nice buffer when you come across unexpected expenses and it will help you in deciding on whether you can afford the repairs on the “fixer-upper” you thought would be a great deal or go with the one in better shape.

Thoroughly planning a budget will ensure a much more enjoyable homeownership experience.

Know Thy FHA Changes...

An FHA loan is a very valuable tool with it’s low down payment requirements, lower credit score requirements and the allowance of non-occupying co-borrowers. In the recent slow economy FHA loans have been in big demand, but unfortunately, dealing with that high capacity has lead the government to make some changes. Some changes are already in the works, inevitably more will follow.


One such change that has already been made is An increase in FHA Up Front Mortgage Insurance Premium. This change became effective April 1, 2010. UFMIP went up from 1.75% of the loan amount to 2.25% of the loan amount.

Impact to consumers--Higher up front and/or monthly expense if fee is financed.

Two changes that are in the works and will likely take effect:

1. An increase of FHA Monthly Mortgage Insurance. If enacted it will be an increased monthly expense to consumers.

Impact to consumers--Buyers with tight debt ratios will qualify for lower loan amounts.

2. A decrease in maximum seller contribution from 6% to 3% of contract price. If this does come to pass, it may negatively affect sales in some markets.

Impact to consumers--Those who lack cash for closing costs or downpayment assistance and rely on seller contributions for such, will no longer be in a position to purchase.

These are somethings to be aware of when considering an FHA loan. Don’t necessarily leave everything up to your mortgage professional, feel free to do some reading up yourself and ask questions. An educated consumer is always a better consumer!

The Price is Right!

Some 24 percent of listings currently on the market in the United States as of July 1, 2010, experienced at least one price reduction, according to Trulia.com.  

What does that mean to you, the buyer?  It means there are deals to be had.  It's still a buyer's market.  Your negotiating power is stronger than ever.  There is still a slight imbalance sometimes between what sellers think they should get and what the market will actually bare.  So it is to the buyer's advantage to have an astute real estate agent research other comparable sales in the area and negotiate with the seller.

What does that mean to you, the seller?  It means you need to choose a real estate professional who will price your house right.  You need to have an agent who will research recent sales in the area and find out what your home is really worth and price it accordingly.  This will lend itself to getting your home sold quickly without any price reductions that just prolong the sale.  An agent such as myself, will price it right the first time!

Despite some painting a gloomy economic picture right now, it is really a great time to move real estate!

What an awesome day yesterday. The unexpected unfolded and it made for a really terrific 4th of July celebration.  Great friends Marisa, Phil, Natalie and Philip, Bruna and Rocky joined us for the Town of Penfield Parade. Panini and a beer afterwards for lunch and Mesquite smoked ribs and fixens for dinner.  Such a treat to be able to spend some time with family and friends and to cook an amazing meal. 

Market Ambles Towards a Solid Recovery

Wow, what a June! Figures all of the pre incentive deadline transactions had to close sometime, eh?


In my real estate practice I noticed a significant drop in activity in May. Expected I guess but kind of scary in light of the unpredictability of the market and where its been the past 24 months! Fortunately both buyers and sellers seem to be back in play. The market quiets down in July and August. I'm always bullish so I think 2010 will break the quiet trend during these months.

Discover the featured listings at http://www.realestateonthemove.biz/. New listings added everyday.

The market is the market, sometimes dynamic and sometimes not. Sometimes worse than others and sometimes better. But statistics don't lie!

I've been watching Monroe County home sales for the past few months and see something of note in the numbers.  Weekly median sale prices show an uptick over the median year-to-date and the prior year-to-date. This seems to be the experience both in the suburbs, collectively, and in the City of Rochester. During the comparative periods the sales volume has been relatively the same.

Why is this significant? What does it mean? This means that sales price continues to rise here but a look at the magnitude of the numbers says that the upward move is cautious.  The trend is positive though and something to be pleased with in light of the news reports we hear from other communities.  Lets see what the numbers say at the end of the summer.  Hopefully the trend continues.  I am bullish on the trend! How about you?

Visit http://www.realestateonthemove.biz/ and see our featured listings! Search FREE for your dream home.

First Impressions

The summer real estate season is almost upon us and its time to get your house ready to sell. And as the saying goes, you only get one chance to make the first impression and this is so true when preparing your house for sale. So, sellers, make your to do list! (Here are some tips to help you get moving…)

Get control of clutter. A cluttered home often looks cramped and small. The key here is to declutter by removing all those knick-nacks and personal items, file your paperwork and eliminate items that will divert buyers.

Kitchen and bathrooms should be spotless. Concentrate on your kitchen and bathrooms. De-clutter here too by eliminating personal items from your refrigerator door and packing your countertop appliances, canisters, etc. This will save you time packing later! Spend some extra time in your bathroom making sure this is spotless. The potential buyers looking at your home will appreciate it.

Time to refinish hardwood floors. Your hardwoods are a major selling point. Show them off by refinishing or at the bare minimum give a good cleaning. Sparkly hardwoods will make your home seem comfy and cozy and it will give your house an advantage in the market.

Paint, Paint, Paint. Painting is some of the least expensive and quick changes you can make. Neutral colors are best for marketing your home for sale. Choose a warm white or beige; your potential buyers will see a blank canvas to decorate their home.

Rent, buy or even borrow! Listen, it’s time to get rid of the old sofa you have in the family room. Why not borrow from a neighbor or think about buying a new piece for your new home? Even though potential buyers are not purchasing your furniture, you don’t want to give the impression you live in tattered home. They may think, if they let the couch get that bad, what else did they not take care of??

So, when making your to-do list, think about these important items to get your house ready to sell. Remember, you never get a second chance to make a first impression. Make your impression count, and you will get your house sold!

Focus on The Towns: Brighton, NY

This week’s focus is on Brighton, NY.  Located within the Rochester metropolitan area, Brighton has a population of over 36,000 residents.  It boasts some of the finest schools and parks in New York and is filled with historical charm!

According to Citytowninfo.com, Brighton was first settled in 1790 but not formally established until 1814.  The town was named after Brighton, England and became a brick making and farm community in the 20^th century. 

Although it may not be a farming community now, it has one of the city’s most popular farmers markets!  And since opening day of the Brighton Farmer’s Market is Sunday, May 30^th, I thought it might be fun to talk about.   The market was established in 2008 as part of the Town’s Color Brighton Green initiative, encouraging residents and businesses to partake in environmental sustainability.  

The Brighton Farmers Market tells us more about what sustainability means: “The market aims to support farmers who use sustainable growing methods and to encourage farmers to move toward greater sustainability. Some of our farmers are certified organic, which means they submit to a rigorous, government-regulated certification process. Others have chosen not to be certified, but nevertheless raise their crops following the same methods, using no synthetic chemical fertilizers, pesticides, or herbicides. “  A sustainable food system is something the whole community can benefit from!

In addition to opening day, the market is hosting a Color Energy Green Fair where local companies will offer information on energy related topics.  The fair is June 13. 

The Brighton Farmers Market is one of the city’s finest gems and I encourage you to check it out! 

Focus on The Towns: Penfield, NY

I thought I would change things up a bit and focus on Rochester, NY's fabulous suburbs.  And what better way to start? Penfield, NY.  Of course, this is where I grew up and I have a long history in this town serving on its boards and just trying to make it a better community! 


And Congratulations are in order because 2010 marks Penfield's Bicentennial!  In the past, Penfield was known for it's rich milling and agricultural community and now, even though the mills are gone,  it has grown to over 35,000 residents! 


Want to help celebrate Penfield's Bicentennial? Or maybe just take the family for a night out?  Here are some June Events you might enjoy:
June
4 - Taste of Penfield - 5:00 pm @ Penfield Amphitheater
5 - Music Fest Weekend - Penfield Amphitheater
6 - Music Fest Weekend - Penfield Amphitheater
13 - Penfield Bicentennial Interfaith Prayer Service & Crop Walk
21 - Bicentennial Golf Tournament - Shadow Lake Golf Course


Of course, you can always visit the website at http://www.penfield2010.org/Home_Page.php for additional information. 

I've Been Workin' on The Railroad (Jack tells all...)

I was so excited…Dad got us tickets to Thomas the Train!  With eager anticipation I waited, and waited and waited.  With all the trees in bloom and warm weather we were having, this was sure to be the best day of my life!  Come on!  I get to see all my island of Sodor friends!  ( and there are hardly any girl trains…which I am glad about because I am not fond of girls…except Mommy and Nonna…and Aunt Holly…never mind, I take that back)

So, I am not sure because I am still a kid, but this was the coldest and nastiest day (weather wise) ever!  But hail, wind and rain were not going to stop me and my pops from going to see Thomas.  I was going to take that 25 minute ride if my life depended on it!  And that was exactly what I did….it was so fun…I think even Dad enjoyed himself.  And I got to meet Sir Topham Hat, to boot.  There were times when we were talking, that I thought the wind would blow over Sir Topham Hat and Dad…but they stayed strong.  I want to be just like that when I grow up!

I am the coolest kid ever…I got to be a junior engineer for the day.  I got a cool hat and a special certificate stating how I have completed all of junior engineer requirements: riding the train, shaking hands with all the right people,  doing the maze and playing in the “Engine Shed”.  My life is good….

I wonder what Daddy has planned for me next???

Carmen helps the Senior Citizens

I just want to thank everyone for your kind words and recommendations.  It is indeed a pleasure to serve you and I thank you for joining Rochester's future leader in sales and service.  I wanted to share with you a recent recommendation from a senior citizen couple I am working with:

"Carmen Lonardo  has helped us tremendously.  As senior citizens, with lots of questions, Carmen is patient and insightful.   We feel that Carmen always strives to deliver better than expected results, as he has connected us with third-party resources to deliver advice, guidance and a new kitchen! Carmen is a trustworthy, personable, and diligent realtor.  His strong work ethic coupled with his attention to detail will sell our home quickly and for a great price.  Thank you, Carmen for taking us under your wing and making this a very smooth process."  Ray and Beverly P. 

With this recommendation in mind, I recently posted an article on Facebook regarding Seniors Looking to Downsize .  I thought it would be appropriate to say a few words on this subject. 


Ray and Bev are in their 80's but are still very active and social.  The apartment they will be going to will have activities, outings and lots of people!  Phoebe Chongchua says in her article,"Specific items that tend to appeal to this group are buildings with doormen and onsite maintenance staff, alternate transportation such as a senior shuttle or bus stop nearby."  
These types of amenities will allow them to keep their freedom and still be able to be safe. 


Even though Bev and Ray are excited about downsizing, it is also a trying time. So, when looking for senior housing for your family or friends, do your research.   A great article to start with is Cutting Your Stuff.  Not only is selling your home a large financial decision, it can be a huge sense of loss. 


I would be happy to answer any additional questions regarding selling your senior citizen's home.  And provide additional references if needed!


Thank you again!

Sorry that is not covered....

Whether you like it or not, you will have to get homeowners insurance if you are getting a mortgage. What if something happened to your new home? Well, if you have insurance, you get money to repair or rebuild depending on the nature of the misfortune. Without insurance, you are out of luck… The mortgage company requires that you have insurance to protect their investment in your home. They want to be able to get their money back if the home burns down too. After all, it is their investment.

Here are some things you should know about a homeowners insurance policy. For instance, what does it cover? In general, your policy will cover the repair costs to fix or rebuild your home (and even structures on your property like a shed or detached garage) in the case of some catastrophe, or peril. Some perils covered are a fire in your home, water damage from a broken water pipe in a bath or kitchen, damage due to a fallen tree, or even wind damage.

Be careful, though…many homeowners policies do not cover losses due to flooding, especially if you live in a flood plain. Many natural disasters or catastrophes are only covered with additional policies. If this is your first mortgage policy, the mortgage company should tell you what type they need.

Here’s a bonus- your policy will cover most of the personal items in your home ( not including cash, jewelry, furs, personal papers). Ask your insurance carrier exactly what is covered. While you are at it, ask about Personal Injury coverage too.

What is personal injury coverage? It protects you against any personal injury claims like if someone slips and falls on your property. And , in the case of liability, members of your household can be covered even if they are away from your home.

Most importantly- ask your insurance carrier lots of questions, because you do not want to hear them say, “Sorry that is not covered” after something happens to your home, or personal items, etc. Here’s a tip- You should also touch base with your insurance company at least annually to review your policy coverage to make sure you are fully covered. In this case, surprises are not good.