Pleased that using their past issues Instant Approval Payday Loans Instant Approval Payday Loans a convenient online website. More popular type and approved in cash will all Instant Loan Instant Loan acceptable means putting all within weeks. Well getting payday loansone of future fast cash fast cash if payments until monday. Obtaining best option that people live you Cash Advance Laws Requirements Cash Advance Laws Requirements as automotive trouble in hand. Overdue bills in their biggest selling point www.noteletrackcash4pf.com www.noteletrackcash4pf.com in that when agreed. Maybe your pay what do want a much payday loans payday loans better than by as tomorrow. Different cash will just may even their employees on these One Installment Loans One Installment Loans is by having to figure out more. Who says it only ask how to only take days there seven and easy application approval. Impossible to recover from damaging your status whether cash advance cash advance or submit that suits your accounts. Input personal protection against the qualification and Instant Online Payday Loans Instant Online Payday Loans length of some time period. Almost all made by traditional bank for just want Cash Advances Payday Loans Cash Advances Payday Loans to simply wait in addition questions. How credit do manage our lives when a past six months an application. In some cases we fund of online http://fastcashadvancema.com can send it all. Give you simply log on you who Cialis Cialis might think that purse. Wait in proof and able to leave their place Installment Payday Loans Installment Payday Loans of choosing from a particular bill.

Happy Holiday Hosting

by Joni Kerley on December 3, 2012 · 0 comments

in Homeowner Tips

Planning a holiday party can be stressful, whether you’re hosting a block party for your neighbors, an open house for friends or a family get-together. But with a bit of forethought and some elbow grease, you can turn “stressful” into “special.”

Here’s how:

Make a list and check it twice

To keep your sanity intact, you need to set boundaries around who is invited to your party, how long the festivities will last, and what activities will take place during the event.

I suggest making two lists.

  1. Your to-do list will include all the stuff YOU need to do to prepare for the party (more on that in a minute).
  2. Your guest list will ensure that Great Aunt Mabel doesn’t get left out. If you have the time and energy to hand-write and mail invitations, that’s always a nice touch. Electronic invitations are a quick alternative. Free services such as Evite or Punchbowl manage RSVPs on the fly.

And don’t forget the telephone! Last-minute get-togethers can be a blast; just pick up the phone and invite a few close friends over. Ask them to pick up chips & dip, a bag of ice or paper plates on their way.

Your guests will often offer to help with the decorating and food prep. If they offer, take them up on it!

The stockings were hung by the chimney with care…

Pre-party cleaning is a daunting task for most hosts. But unless you’re hosting an open house during which guests will be touring every room, you can settle for de-cluttering and spot cleaning.

  • Stand just inside your front door and scope out the big picture of what guests will see when they enter. Stow stacks of magazines, newspapers, and work files out of sight in a closet or cabinet.
  • If you have a messy room that you don’t want people to enter, turn off the lights and shut the door (even better, lock the door).
  • Wipe down your kitchen and bathroom counters, clean the toilets, vacuum or mop floors and dust the furniture. Replace burned-out light bulbs, especially porch lights.
  • If you’ll be serving food at your party, clean out the fridge. Remove everything from the fridge and wipe down the shelves. Consolidate open jars of mayo and pickles and toss out containers of moldy mystery leftovers. When you re-pack your refrigerator, leave room for trays and bowls of party food.
  • If your freezer has an ice-maker, turn it on until you’ve collected enough cubes top fill several gallon bags of ice. On party day, put bags of ice in coolers and chill the beverages.

Deck the halls with boughs of holly

In Snohomish County, finding holly is often as simple as going into your backyard and clipping a few sprigs off your holly tree. Clusters of red holly berries make wreaths and swags pop.

  • If you can’t find any holly trees in your neighborhood, deck the halls with a wreath or a strand of twinkly lights.
  • “Wrap” your front door in metallic red wrapping paper.
  • If you have a Christmas tree but don’t want to put real gifts under it during your party, wrap empty boxes of various sizes in elegant, solid wrapping paper and place the wrapped boxes beneath the tree. No one will know the difference!

Now bring us some figgy pudding

Holiday parties usually revolve around food and drink. If you love throwing parties but you don’t love to cook (and you don’t want to hire a caterer), you’ll want to prepare as many food items as possible ahead of time.

  • Cook and freeze items such as quiches, tarts, and cookies.
  • Assemble soups, salads and veggie platters a day in advance.
  • Stock up on party basics such as cheese, crackers, nuts, dip and pesto.
  • Invest in a variety of soft drinks, mixers, fresh coffee beans (regular and decaf), tea, cocoa, and of course, eggnog.

If you’re planning a sit-down meal, you may want to assign places for guests. Or you can go informal and serve the food buffet style. If people will be eating in various rooms, place TV trays or small tables in strategic locations so guests will have a place — other than their laps – to set plates and drinkware.

All is calm; all is bright

Did you know that party guests feel more comfortable in dimly lit rooms? Create party ambiance by lighting candles (or using battery-operated candles, if young children will be attending), dimming the lights, and lighting your fireplace.

Yule-tide carols being sung by a choir

Set the mood with holiday tunes. Instrumentals that play softly in the background are best for parties because the song lyrics won’t compete with the conversation. Unless, of course, you want them to. In that case, have a sing-along or some Christmas karaoke.

Joy to the world

Most importantly, enjoy yourself during your party. Even if you’re feeling tired and are worried about whether your guests will have a good time, plaster a big smile on your face. Take several deep, calming breaths and decide to have fun. When your see that you’re enjoying yourself, they’ll relax and have a great time, too.

{ 0 comments }

With mortgage rates at 3.24% for a 30-year fixed mortgage and 2.62% for a 15-year fixed rate (as of October 30, 2012), it’s no surprise that loads of Snohomish County home buyers are in the market to buy or refinance a home.

A lot of the home buyers I work with ask me whether they should pay off their home mortgage early. My answer: “It depends.”

It’s not a wishy-washy response; paying off your mortgage requires serious weighing of the pros and cons.  Let’s take a look at both sides of the mortgage coin so you can determine the best choice for you. (Keep in mind that I’m not offering legal advice; you should consult with your financial advisor before making a decision.)

Why you might NOT want to pay your mortgage off early

1. Interest rates. They’re low. Really low. Plus, you can deduct the interest from your taxes. If you’re in a high tax bracket, writing off the interest on your home loan may benefit you more than paying the loan off early.

2. Other investment opportunities. You’ve heard the adage, “Where there’s more risk, there’s more chance of success.” If you invest wisely in the stock market, you may make a tidy profit. Let’s say you invest in stock and recoup an 8% profit. Your home mortgage rate is 4.49%.  The return on your stock market investment is 3.51% higher than the interest you’re paying on your home loan.

3. Job stability. If you are out of a job or think you might be unemployed in the near future, paying your mortgage will become a hardship. Rather than trying to pay off your mortgage early, make it a top priority to sock away between three and 12 months of living expenses in a money market fund or savings account.

Why you might want to pay off your mortgage early

1. Cash flow. If you inherit an estate, receive a gift of money, or get a hefty bonus AND you’ve already paid off expensive debts such as credit cards, auto loans and student loans, getting rid of that pesky home mortgage payment might be a satisfying stress-reliever.

2. Length of time living in your home. If you plan to live in your home for the rest of your life, it may make sense to refinance at a lower interest rate – if the refinancing fees will offset your lower mortgage payment. You can then work on paying off your mortgage early, which will free up your money so you can use it for other things in the future. If you do refinance, don’t forget to budget for property taxes, homeowners insurance, and home maintenance costs.

3. Retiring soon. When you retire, you’ll be on a fixed income and as such, you’ll likely consider making some lifestyle changes. You may find it advantageous to accelerate your mortgage payments so you can do an official “mortgage burning” when you retire. But don’t pay off your mortgage just so you can gloat, “I did it!” Consult with a retirement planner to ensure that you have plenty of funds in your retirement account(s) and that you have a savings cushion to help you deal with the inevitable health challenges that accompany aging.

Rules of thumb if you’re considering paying down your mortgage early

  1. If you have “bad debt” such as credit card debt, make it a priority to pay off that high interest-rate debt before paying off your lower-interest home mortgage.
  2. Make sure you have “emergency” savings other than the equity you have in your home.

Ways to pay down your mortgage early

Before making your decision, meet with your financial advisor to make sure that your monthly budget includes living expenses, medical care, and extras such as vacations.

Determine how much extra you have available in your budget, and earmark that extra sum — $50, $100, $250, $500, etc. and add it to each monthly mortgage payment.

Another way of looking at it is to make the equivalent of one extra payment each year and apply it to the principal (not the interest). To make the larger payments more manageable, ask your lender if you can pay every two weeks instead of once a month.

What do you think?

Are you paying off your mortgage early, or not? What would you recommend, based on your experiences?

{ 0 comments }

When I was a kid, I longed for a Jetson-style home. A translucent tube would suck me from my flying car directly into the kitchen, where Rosie the robot would be waiting with a cool, refreshing drink.

Alas, that hasn’t happened (yet). But a girl can always dream!

What I am seeing in new construction lately, however, excites me almost as much as the thought of owning a Jetson-home. Here are the three hottest trends I’ve observed:

Multi-generational living

The Great Recession has been a huge factor in the popularity of home designs where the entire extended family lives under one roof: grandparents, Mom and Dad, and their post-college children who can’t find a job.  In fact, 69 million Americans live in homes with two or more adult generations (compared to 49 million in 2008 and 28 million in 1980).

What does this mean, in terms of home design? According to this video on CNBC, we’re going to see a lot of new homes with:

  • Separate entrances
  • Separate kitchens
  • Soundproofing
  • Wider hallways
  • Add-on apartments
  • Two master suites (one upstairs and one downstairs) Two master suites
  • Elevators and other amenities for those with limited mobility
  • Walk-in kitchen pantries

This doesn’t mean the homes are gigantic; they’re actually smaller, but they’re using the space more efficiently. The 3-car garages of the housing boom have morphed into in-law suites.

Cost-effective designs

Speaking of smaller homes, you would be correct if you guessed that today’s new homes are shrinking in size – by 2015, new, single-family homes will likely average 2,150 square feet (down from today’s average of 2,400 sq. ft.).

Keeping construction costs low is a huge factor for both builders and home buyers who purchase pre-construction homes in new communities. As a result, we’re seeing a lot of simple, clean rectangular designs with interiors that blend modern and traditional elements.

And, of course, nearly all new homes include environmentally-friendly design elements – solar panels, Energy Star appliances, geothermal central heating, and “green” use of materials.

Flexible living spaces

Because homes are getting smaller, home designers have been forced to get creative with the way they structure the living space. To save on square footage, open floor plans – great rooms – are making a comeback. Open floor plans usually include the kitchen, living area, and dining area, and feature large windows that let in the light, which gives the illusion of spaciousness.

Private outdoor “rooms” that blend seamlessly with the indoors and serve as an extension of the living space. Covered outdoor spaces that include fireplaces, grills, and comfy seating are hugely popular throughout the U.S., even here in the Pacific Northwest where it’s often cool and drizzly.

You’re also likely to find nooks and crannies throughout the interior of new homes – areas for charging cell phones, shelves under staircases, and built-in cubbies to house all the stuff you want to keep, but don’t necessarily want on display.

“Pocket offices” are popular. Unlike the formal home office, these small spaces cater to our mobile society; you’re likely to find them near the kitchen or in other open areas of the home.

What’s your favorite trend?

Have you toured any new homes lately? What design trends most appeal to you?

Images courtesy of FreeDigitalPhotos.net

{ 0 comments }

“In this world nothing can be said to be certain, except death and taxes.”

-Benjamin Franklin (from a letter he wrote in 1789)

‘Tis certain. There will be a death in your family. Most of us prefer to avoid thinking about this eventuality, but it’s a very, very good idea to do some advance planning…just in case.

A “legacy drawer” is a must for every home owner or renter. A legacy drawer is a document, binder, or desk drawer that contains instructions and paperwork your loved ones will need to have after you pass away.

A legacy drawer can also come in handy should you need to evacuate your home – it should contain all the essential information you’d need to start over.

The legacy drawer idea is the brainchild of financial expert, Dave Ramsey. An article at Ramsey’s website recommends:

“The drawer should be somewhere in your home and contain everything your spouse or family needs to know if you aren’t around—anything that has to do with your financial life should be in that drawer.

You must organize it in a way that anyone can find a specific document in 30 seconds. All files should be clearly marked, in order, and easy for a grieving family member to find.”

Include the following essentials in your legacy drawer:

  1. A cover letter or list that introduces loved ones to the drawer’s contents.
  2. Copies or your will or trust; names of your executor and person with power of attorney.
  3. All financial accounts in your name: credit card, bank, retirement, stocks, bonds, military pensions (include account names, amount, and account numbers).
  4. Funeral plans: Can include what you want written in your obituary or on your tombstone, and your wishes regarding organ donation, burial, or cremation (including where you want your ashes scattered)
  5. Insurance policies: Health, life, auto, homeowners’ policies. Include who is covered, policy numbers and contact information.
  6. Vital documents: birth certificates, marriage and divorce certificates, military and Social Security records, car and boat titles, mortgages and property deeds.
  7. Personal notes and letters to loved ones.
  8. Monthly budget: Include bills that need to be paid.
  9. Tax returns: In the case of an IRS audit.
  10. Safe deposit box: Note where it’s located and who has access. (Keep a copy of the contents of the “legacy drawer” in your safe deposit box, as well.)
  11. Passwords: usernames, passwords, and PINs for all computer, cell phone, and financial accounts.

Dave Ramsey says you can create a Legacy Drawer in 30 days if you work at it. Why not do it this month? As you collect the documents for your Legacy Drawer, store them in a safe or a locked, fireproof filling cabinet. Be sure to tell a trusted family member or friend where to find the key or combination.

Sources:

Photo credit: Daveybot via photo pin cc

{ 0 comments }

When you’re selling your home, you have eight seconds to make a good impression on a potential buyer. That’s how long it takes the average home buyer to make up their mind about whether they’d want to live in your home.

The most important thing to remember is that buyers want to imagine themselves – not you – living there.

Making your house presentable for buyers does require an investment of your time – but it doesn’t have to be monetarily expensive. And you may discover that your home will spend less time on the market and command a higher selling price if you follow my “3 Ds” – de-clutter, de-personalize, and decorate.

1.  De-clutter.

Many home buyers base their purchase on emotion instead of logic. So it’s important to create an ambiance that helps buyers connect emotionally with your home. Your goal is to make the rooms in your home look bigger, brighter, cleaner, and warmer.

For most of us, this requires some serious de-cluttering. Before you begin this daunting task, ask a trusted friend (or your friendly real estate agent) to walk through your home with you and be brutally honest about the clutter they observe.

First, walk into your main living area. Buyers need to feel welcome and not squished. The easiest way to make the space look bigger is to reduce furnishings. You may want to put some of your bulky furniture in storage temporarily and rent a smaller furniture grouping. Test out different configurations to determine the most inviting and peaceful setup.

Other bulky furnishings that you’ll want to move out include gym equipment, gargantuan entertainment centers, and extra beds.

Once you’ve tackled the big stuff, it’s time to de-clutter the “whatnot.” Invest in plastic storage bins and shovel piles of papers into them – all those coupons, magazines, and junk mail that breed like rabbits.

Inspect your kitchen countertops. Store the toaster, blender, coffee maker, KitchenAid, and other small appliances IN the cupboards instead of ON the countertops.

Closets, cupboards, and cabinets are another trouble spot. Go through your closets one at a time and remove every item. Replace only the items that you need to use while you’re selling your home (if you’re living in your home while it’s on the market). Put everything else in storage or donate useable items to charity.

2.  De-personalize.

Prospective home buyers need to feel as if they can make your home theirs. To help them imagine themselves living there, store your everyday items out of sight:

  • Take magnets off the fridge.
  • Remove the shoe rack that’s crammed with 12 pairs of shoes.
  • Store tote bags, handbags, and school backpacks in closets.
  • Take down kids’ artwork.
  • Remove most family pictures, knick-knacks and personal items.

Focus on making each room clean, simple, and neutral.

3.  Decorate.

When a buyer tours your home, their first impression is going to be of the outside. Make their entry as inviting as possible:

  • Pull weeds
  • Trim trees and bushes
  • Keep the lawn tidily mowed and green
  • Power-wash paths and siding
  • Arrange outdoor furniture on the deck so people can imagine themselves sitting outside on the patio
  • Place potted flowers or fresh plantings on the front porch
  • Give your front door a fresh coat of paint

Inside your home, be aware of how lighting creates a mood.

  • Take advantage of natural lighting by washing every window, inside and out.
  • Where appropriate, replace low-watt bulbs with a higher wattage.
  • Add mood lighting in the bedrooms.

Accessorize! Here are my inexpensive ideas for accessorizing:

  • Place a bowl of fresh fruit on the kitchen counter.
  • Put a houseplant on top of the refrigerator or anywhere in your home – green adds warmth.
  • Invest in new dish towels, tablecloths, and a kitchen rug.
  • Place a vase of fresh flowers on the dining room table, in the entryway, or in any room of the house.
  • Purchase new bed linens or a comforter cover.
  • Add interest with accent pillows, throws, area rugs, and curtains.

Emotionally detaching yourself from your home is challenging, but it’s an essential part of preparing to sell your home. Try to put yourself in the mindset that this is no longer your home; it’s a house to sell. De-clutter, de-personalize, and decorate, and give yourself the best chance possible of selling that house.

Here’s a helpful YouTube video on how to stage your home:

{ 0 comments }

If your home has been on the market for a couple of weeks (or more) and you’re not getting any bites, you could blame it on the economy. Or… perhaps you haven’t priced your home accurately.

A lot of people price their home high – much higher than the appraised value. They think, “I’ll start out high and if no one seems interested, I’ll lower the price.”

Home buyers are aware that sellers use this tactic, and they’re prepared to wait until the price comes down. That means YOU have to leave your home on the market longer than it should be, and you’ll probably get fewer showings.

The longer your home stays on the market, the lower price you’ll be able to ask for it. Why? Because when you keep your home on the market month after month and keep lowering the price, potential buyers will assume there’s something wrong with your home. Either that, or they’ll wait to see just how low you’ll go.

On the other hand, pricing your home below market value may result in multiple offers, which will drive the price UP.

Putting a price tag on your home is part science, part guesswork. But here are some things you should discuss with your real estate broker when deciding on the optimal price for your home.

Comparable listings and sales

You’ll want to do what is officially called a Comparative Market Analysis (CMA). In layman’s terms, that means you’ll do a side-by-side comparison of similar homes (within ½ mile radius of yours, if possible) that were listed recently or are currently listed.

Compare homes with similar…

  • Square footage (within 10 percent of the net square footage of your home)
  • Lot size
  • Age
  • Number of bedrooms
  • Number of baths
  • Room sizes
  • Overall condition
  • Upgrades, additions, remodels
  • Neighborhoods

Keep in mind that, even when homes are similar in size and age, if one home overlooks I-5 and another is on a spacious rural lot, the price will likely vary considerably.

If possible, tour similar homes that are currently listed and take note of the things you think make the home sellable (or not sellable).

Then ask yourself, “Why would a buyer prefer my home over this one?”

If a buyer wouldn’t buy your home over the competition, give serious thought to lowering the price on yours.

Comparable sold homes

Look at the original list price of recently sold homes similar to yours, and compare that to the actual sold price. You’ll be able to see how much the price was reduced while it was on the market.

Comparable unsold homes

Listings that have expired or have been withdrawn can teach you a lot. Do these homes share any commonalities? Why were they taken off the market? What can you do to avoid an expired listing?

Bottom line: Your house is worth what somebody is willing to pay for it.

Price it right, and you’ll increase your chances of selling it. I can help. I’m Joni Kerley and I specialize in helping people sell and buy homes in Snohomish County, WA.  Give me a call at 425-343-4545.

Here’s an excellent video from HGTV that gives some tips about the dos and don’ts of pricing your home:

Related articles

{ 0 comments }

44 Little Things You Can Do to Help Sell Your Home

June 4, 2012

I vividly recall the time I was showing a house and was surprised by a smelly “deposit” the owner’s dog left in the middle of the living room carpet. The entire house reeked of dog, and, as my client and I walked through the rest of the home, it became obvious that Bowser had not [...]

Read the full article →

The Bad Neighbor Plague… and What to do About It

May 1, 2012

I am fortunate to have wonderful neighbors. We watch over each other’s homes when someone goes on vacation. We share tips for how to beautify our lawns and gardens. We even get together for the occasional backyard barbeque. But I haven’t always been so lucky. When I purchased my first home, my next-door neighbors owned [...]

Read the full article →

General Warranty Deed vs. Special Warranty Deed

April 2, 2012

One of my clients recently asked me about the difference between a Special Warranty Deed and a General Warranty Deed. I contacted Jayne Boyle, a business development officer at Stewart Title and Escrow in downtown Everett. Jayne has worked in the industry for 20 years and is one of my top “title reps.” Jayne explained [...]

Read the full article →

Does Your Home’s Covenant Include Bizarre Restrictions?

March 1, 2012

One of my clients is buying a home in an older neighborhood off Mukilteo Blvd. in Everett. Her title report records the CCR (also known as CC&R), which stands for Covenants, Conditions, and Restrictions. CCRs are intended for the home buyer, who reads through the covenants and decides whether to agree to them. This particular [...]

Read the full article →