Showing posts with label Real Estate. Show all posts
Showing posts with label Real Estate. Show all posts

Thursday, May 3, 2012

Mixed signals....(thoughts)


Mixed signals....

Today I will be discussing mixed signals in Real Estate, Driving, and Life in General.  Do we send mixed signals intentionally or unintentionally?  Take driving for example.  I’ve recently noticed a trend of drivers crowding the line that separates your lane from their lane, and when I slow down so as not to cause an accident they then take my spot in my lane.  Now this is not a mixed signal, but how hard would it be to signal and see if I could let them in.  Another trend is just changing lanes without signaling period.  I see many drivers change lanes or jump in front of me without signaling.  I’m a little confused by this.  Is it because when they do signal, drivers crowed the car ahead of them to prevent an opening in the road?  I suppose that would create mixed signals for the driver needing to merge into another lane.  So take them by surprise, change lanes without notice.  Oh, then you have the oblivious driver who pretends they don’t see you…  So maybe it’s not mixed signals, the signal is loud and clear, for those who have no curtsey on the road, be prepared to be cut off…..

Then there’s Real Estate, here’s where the lines just get blurry!  Today’s home values and interest rates have never been more affordable.  On the Radio, TV, and in the Paper, you see buy now, low…low… rates, low home values, ect.  What’s the message?  Don’t rent when you can buy for less than renting.  So here’s where we need to back up just a bit.  What about teaching people to protect their credit?  Two years ago, lenders were writing loans for Subprime loans (about 500 credit score).  I was watching TV the other night and there was a car commercial, “Bad credit…no problem, No credit…no problem”.  So when buyers today have bad credit, they think they can still buy a home….  Why is this, because everything else in today’s economy seems to lend even if you have bad credit.  What if you couldn’t rent a house or an apartment due to bad credit?  Do you think buyers have mixed signals?  They hear buy now….low rates….no credit, no problem….bad credit, no problem….  I think the first step would be to show people (buyers) that they can save a TON of money if they improve their credit.  Not just buying a home, but auto insurance, credit cards, and a variety of other products.  I know someone whose homeowner insurance went up $650 due to their credit score dropping.  Imagine how much money you could save, and the things you could do with that extra money if you protected your credit score….  “Just a thought”!

Life is full of mixed signals, sometimes we do it to ourselves.  I myself am a good example, I’m looking for life changing possibilities and when confronted with opportunity I run the other way.  Why can some people own life (take it by the horns) so to speak, but own it without fear.  Then others play the game, live life cautiously, and seldom make risky decisions.  Have you ever been in turmoil with yourself?  Not a fun place to be, day after day conversing with yourself on life, dreams, even a bucket list, and day after day, talking yourself out of everything you want to do.


Tuesday, April 3, 2012

10 tips to a GREENER kitchen



What are you doing to help make this world a better place?  Below are some helpful tips that can go along, every little bit helps.



1. Use Healthy Eco-Friendly Cleaners
Many common household products contain toxins that could be affecting your family's health. Buying natural safe cleaning products will help eliminate any risk of unnecessary toxins in your home.
2. Curb Paper Towel and Napkin Use
2.5 million tons of paper towels fill up landfills annually. A great solution is to buy a set of cloth rags, bar towels and fabric napkins to wash and reuse. It may be an added expense up front, but it will pay off in the end.
3. Replace Antibacterial Hand Soaps
Studies have shown that antibacterial soaps are no more effective than simple soap and water. Antibacterial soaps can lead to stronger strains of bacteria that become resistant to antibiotics.
4. Plastic--- Just Say No!
The Wall Street Journal reported that Americans go through 100 billion plastic shopping bags annually and making these bags requires an estimated 12 million barrels of oil. To reduce plastic bag consumption, use alternative options such as; reuseable bags, paper bags, or even, no bag at all!

5. Replace the Sponge!
Sponges are bacteria incubators. Although a sponge seems like a great cleaning tool, it may not be the healthiest solution. Replace your sponge with dish rags!

6. Create a Recycling and Compost System
If you don't recycle, the best way to get into the habit is to set up a simple system. Get a second trash can for inside your home and put it next to the trash can and label it "Recycling". If you are ready to take it a step further, composting is a great way to turn your waste into soil like material that can be used in your lawn and garden.

7. Replace Nonstick Cookware
Nonstick cookware releases toxins when over high heat, has a short life-span (nonstick coating usually wears out in a year or two) and the nonstick coating can scratch off into food. Healthy alternatives include stainless steel, cast iron, copper and glass.
8. Buy In Bulk
Buying in bulk means less packaging and fewer trips to the store. You'll also benefit from financial savings!

9. Update Kitchen Lighting
Kitchen lights are some of the most frequently used lights in the home. Energy efficient lights may be a high upfront cost but they use 75% less energy, generate 70% less heat and last up to 10 times longer.

10. Buy ENERGY STAR Appliances
If you are in the market for new appliances, choose one that has been proved more energy efficient. Many old appliances use a lot of unnecessary energy. If you don't already have HWA's Green Plus option--- add it today!

Tuesday, March 20, 2012

Mortgage Rates



Owning a home is more affordable than you probably think.

Affordability measures ability to buy - that is,
 the amount of a median family's income 
consumed by the median mortgage. In 1981,
 it took 36% of the median family's income to 
pay the mortgage on the median priced 
home. Today it takes 15% -- a historic low! 



Call today and let's get started!