Tuesday, February 23, 2016

Five Maintenance Resolutions for Your Home


We may be a little removed from New Year’s Day, but it’s not too late to make some new resolutions for your home.
  1. Start a home repair slush fund: Things in your home are going to break and need to fixed. It’s just a fact that comes with home ownership. Rather than letting expensive repairs take you by surprise, start planning for them. Set aside some money each month that you can eventually draw from when an appliance breaks or unexpected.
  2. Inspect your fireplace: Even if you have a gas fireplace, you should still inspect the valves and ceramic logs yearly to ensure that everything is operating safely and correctly. If you have wood fireplace, hire a certified chimney sweep to do the job.
  3. Maintain your garage door: Garage doors are big and heavy, and that puts a lot of stress on the hinges and tracks that are use to open and close the door several times a day. A regularly scheduled $50 inspection could save you hundreds or thousands in the long run.
  4. Tune up your furnace: Regular furnace inspections will help identify minor problems before they turn into major ones. Also, set reminders to replace your furnace filter.
  5. Clean your coils: The No. 1 refrigerator maintenance task should be cleaning the condenser coils. They can get clogged with hair and dust, reducing your fridge’s efficiency. Have you cleaned yours lately? You can hire a professional to do it, but it’s also an easy do-it-yourself job.



Monday, March 2, 2015

Joan Rivers’ Lush Manhattan Penthouse is ‘A Piece of Work’

Joan Center Pic


In the 2010 documentary “Joan Rivers: A Piece of Work,” Rivers herself commented that her posh Manhattan apartment is “what Marie Antoinette would have done if she had the money.” Classic Joan! But taking a closer look at the exquisite, over-the-top Euro-flair of her East 62nd Street pad, it’s clear to see that Rivers probably wasn’t joking at all. 




Thursday, February 12, 2015

Great Renovated Rental Home in Convenient and Quiet Location in Sharon, Massachusetts!



Very nice 3 bedroom, 2 full bath rental home in 

convenient and quiet location close to all area 

amenities and highway access in 

Sharon, Massachusetts.







 New Kitchen, hardwood floors, partially finished huge basement, sun room and attached 1 car garage. Exterior just painted! New windows! First, last, security, references, and full credit report required with application. NO Pets.




Looking for a home in Massachusetts? It's easy with our online MLS search!

Just CLICK HERE and start your search!
Call or text me direct, or email, with any questions, or 
for any information and help!
781-248-1901-direct & text


Wednesday, March 13, 2013

RealtyTrac: Top 15 Markets to Buy Short Sales, REOs


By: Esther Cho, DSNews


After assessing over 900 markets across the country, RealtyTrac put together a list of the top 15 markets for short sale and REO purchases for the year.

RealtyTrac only considered markets with at least 200 short sale or REO transactions in the fourth quarter of 2012.

For the list of short sales, RealtyTrac took into account four factors: fourth quarter annual percent change in short sales, average sales price, average amount short (difference between the sales price and the loan amount owed to the bank), and the time it took to sell from the foreclosure start date.

Out of the 15 markets selected, nine were located in California. Three California metros led with the biggest year-over-year surge in short sales. Santa Barbara experienced a 107 percent annual increase in the fourth quarter and was followed by Visalia (106 percent) and Fresno (97 percent). Other California metros on the list were Vallejo, Bakersfield, Sacramento, Stockton, Modesto, and Riverside. The time to sell for the metros averaged 235 days.

Two Michigan metros, Grand Rapids and Detroit, had the lowest average sales prices, $91,145 and $97,233, respectively. On the other hand, in Santa Barbara, short sales sold for an average price of $283,825.

Phoenix stood out among the pack for averaging the shortest time to close, 188 days.

Other metros that made the list were Las Vegas, Virginia Beach, and Des Moines.

RealtyTrac also noted the average remaining deficiency after a short sale exceeded $100,000 in seven of the 15 markets, which suggests banks are willing to take a huge loss with a short sale to avoid foreclosure.

“Short sales are on the rise as a better alternative to foreclosure in many areas — good news for buyers and investors in markets where short sales are closing more quickly at solid discounts,” said Daren Blomquist, VP at RealtyTrac.

“But buying from the bank may still be a better option in other markets because of increasing REO inventory, deeper discounts and shorter times to close,” he added.

For the list of the top REO markets, RealtyTrac took into account annual percent change in REO sales, average sales price, average days to sell, and percent discount compared to non-distressed sales.

Overall, the markets on the list averaged discounts ranging from 33 to 57 percent and the time to sell ranged from 139 to 175 days, compared to 188 to 358 days for short sales.

Out of the 15 metros on the list, two Ohio markets stood out. Cleveland and Dayton both averaged lower prices, the shortest days to sell, the most significant increases in sales, and the greatest discounts.

In Cleveland, REO sales increased 141 percent, the average REO sales price was $57,782, and discounts averaged 56 percent. Dayton has seen REO sales increase 123 percent over a one-year period, its average sales price was $50,579, and discounts stood at 57 percent. Both metros averaged 139 days before going to sale.

Meanwhile, Sarasota, Florida has seen REO sales increase just 19 percent and the average REO sales price was $127,181, the highest out of the other metros.

Other metros on the list included Columbus and Canton, Ohio; Chicago and Rockford, Illinois; Chattanooga and Memphis, Illinois; Daytona, Palm Bay, and Pensacola Florida; and Charlotte, Greensboro, and Winston, North Carolina.

Wednesday, January 16, 2013

I reposting this from my niece's, Madalyn Marie Worthington's, blog (From These Lips):

It's a new year, which means a new beginning. Another 365 days to refresh who you are, to renew yourself and even reinvent who you are and how people see you. It's all about building, and rebuilding who you want to be. One of the my favorite inspirational quotes right now is below:


If you want to succeed in your life, remember this phrase. The past does not equal the future, because you failed yesterday; or all day today, or a moment ago, or for the last six months, the last 16 years, or the last fifty years of life doesn't mean anything... all that matters is what you are going to do, right now.

- Anthony Robbins

Happy and Healthy and Prosperous New Year to you all! Make 2013 the best year yet!!!

Why New Year’s Resolutions Fail (and How to Do Them the Right Way)

By Jeremy Dean, Speakeasy

“Those who cannot remember the past are
 condemned to repeat it”.

This well-known quote, from philosopher George Santayana, wasn’t about New Year’s Resolutions, but it might well have been.

There’s a familiar feeling that accompanies those promises we make to ourselves around New Year. It’s déjà vu. Didn’t I make those self-same promises to myself last year? And maybe even the year before?

Perhaps some of the participants in a 1985 University of Scranton study on New Year’s resolutions had that sense of déjà vu. The same as any other year, they made promises to themselves about how they would change in 1986. The difference was that that year they confessed their resolutions to psychological researchers and were tracked over the coming months.

The results of the study do not make pretty reading. Sixty percent of people had given up after six months and who knows how many of the remaining 40 percent secretly gave up but didn’t want to admit it.

One of the main reasons New Year’s resolutions are so hard to change is that we come up against rock hard habits. Typical targets for resolutions like healthy eating, quitting smoking and taking up exercise are very difficult habits to alter because these patterns of behaviour have been built up over many years.

It’s natural, though, to assume that we should consciously be able to make changes to even long-established patterns. Unfortunately this neglects an important fact about how habits work.

This is the fact that our habits live mainly in the unconscious part of our minds. It’s like when you put on your seatbelt or look both ways before crossing the road: these things are done automatically, without being consciously willed. This is fine for habits that keep us safe from harm, but more irritating when we are trying to change a bad habit.

So, one of the keys to changing a rock hard habit is to identify what cues in the environment are setting it off. For example, is overuse of the internet set off by feeling low? Or perhaps stuffing down muffins is cued by being in a favourite coffee shop.

Once the habit’s trigger has been identified, it’s possible to make a change. But one of the classic mistakes people make is trying to suppress the habit. Research has shown that this tends to backfire, making the habit, and its unconscious performance, come back even stronger.

Instead it’s much better to try and replace the bad habit with a better one. Rather than suppressing a snacking habit, for example, it’s better to make the snack food healthier: switch from candy to apples.

Even with this change in mind, though, it’s easy to slip up and fall back on old habits. That’s why psychologists have developed and tested a series of techniques that can help. The first is all about making the right kind of plan. This involves linking a specific situation with a specific action.

You say to yourself something like: “If I’m hungry between meals then I will eat an apple.” Each time you successfully repeat the new response in the same situation, your replacement habit gains in strength.

The two habits, old and new, are bound to compete for a while, but other techniques can help keep you on the straight and narrow. One of the simplest ways of boosting motivation is to accentuate all the negative aspects of your old habit and all the positive aspects of your new habit.

And if you find yourself slipping, here’s a tip for quickly boosting self-control. Try thinking about your core values, something you really care about. It could be your partner, your family or a higher ideal. Studies have found this can help boost your self-control in a moment of weakness.

Finally, one of the most important messages emerging from the research is that breaking old habits is hard. The temptation is to bite off more than you can chew, but baby steps are likely to work better.

Try to start with minor bad habits, or only part of your bad habit. For example it may not be possible to tackle unhealthy eating all in one go, but you can, at least, change what you habitually eat for breakfast. With this change under your belt, you can layer another good habit on top, and then another.

For big changes, think small.

Psychologist and PsyBlog creator Jeremy Dean is the author of Making Habits, Breaking Habits: Why We Do Things, Why We Don’t, and How to Make Any Change Stick (Da Capo Lifelong Books).

Tuesday, October 16, 2012

Linda's Daily Buzz: Are You Looking for Oceanfront???

Linda's Daily Buzz: Are You Looking for Oceanfront???: Call me about 755 CAMPGROUND ROAD, EASTHAM $699,900 for this direct oceanfront, turnkey ready property!

Great Single Family for Rent in Sharon, MA

Large modern home in convenient location close to schools, shopping, recreation, highways, etc. Great updated condition with fireplaced family room, huge back deck, large private yard and plenty of parking. All ready to move in and call "home"! Only $2800 per month and move in ready!
Call now for an appointment to view
Linda @ 781-248-1901





HOPE NOW: 5.75M Loan Mods Since 2007, Short Sales Up in August

By: Esther Cho, DSNews




August data from HOPE NOW revealed mortgage servicers gave an estimated 75,968 homeowners permanent loan modifications during the month. In July, total loan modifications was higher at 82,679.
The August modifications include the Home Affordable Modification Program (HAMP), which totaled 16,509 in August, and proprietary programs or non-government programs, which accounted for the remaining 59,459 mods for the month.
HOPE NOW, which is the voluntary, private sector alliance of mortgage servicers, investors, mortgage insurers and non-profit counselors, also revealed that since 2007, the industry has seen 5.75 million loan modifications.
“The cumulative efforts of many different parties have made a significant difference in preventing foreclosures where possible,” said Faith Schwartz, HOPE NOW executive director, in a statement. “Without the collaboration of industry, non-profits and our government, we would not have 5.75 million loan modifications for homeowners…”
Of those modifications, about 4.68 million were proprietary loan modifications, while more than 1 million were from HAMP.
From January to August 2012, about 543,705 homeowners have received loan modifications.
Proprietary loan mods that included reduced principal and interest on monthly payments accounted for 82 percent of August’s total, while proprietary mods with reduced principal and interest payments of more than 10 percent accounted for 71 percent of the monthly total.
Short sales continued to help prevent foreclosures, with August seeing nearly 40,000 short sales. In July, there were 36,260 short sales. Since December 2009, short sales numbered 1,013,565.
“The increase of short sales has been significant and, for the first month since reporting on short sales, we estimate a high of 39,559. Short sales provide another tool to avoid the high cost of foreclosure for families, communities and investors,” added Schwartz.
Together, short sales and loan modifications have accounted for 6.77 million non-foreclosure solutions.
HOPE NOW also reported foreclosure sales in August increased 12 percent to 71,149, up from 63,527 in July.
August foreclosure starts were also up, rising 14 percent to 187,941, compared to 164,593 the month before.
Mortgages 60 days or more past due slid down to 2.42 million, falling from 2.47 million the previous month. Delinquency data is based on data from the Mortgage Bankers Association for the second quarter of 2012.

Are You Looking for Oceanfront???

Call me about 755 CAMPGROUND ROAD, EASTHAM
$699,900
for this direct oceanfront, turnkey ready property!





Monday, October 1, 2012

Is Timing Really Everything? The Best and Worst Times to Post on Twitter and Facebook



Looking for more retweets next week? Tweet on Monday, between 1- 3 pm EST.
How about more likes or shares? Then you better make sure you’re free to post on Wednesday at 3 pm.

This is all according to new data from link shortening and tracking service, bit.ly.

Check out some of their other findings:

Facebook:

■Links posted between 1-4 pm result in highest click-through rates

■During the week, Facebook traffic peaks between 1-3 pm

■Links posted before 8 am or after 8 pm are less likely to get shared

Twitter:

■Traffic is at its peak Monday – Thursday, 9-3 pm

■Tweets posted after 3 pm on Friday or during the weekend are less likely to be retweeted

Bottom Line: While these findings are definitely helpful to keep in mind when managing your social schedule, they are not going to be your secret weapon to social media success. Social media isn’t something that you can set your watch by and as a small business owner, you know how unpredictable customer behavior can be.

Want to really know the best time to post on Facebook or Twitter? Do your own research. Pay attention to when your customers are engaging and don’t worry if those times fall outside of 1-3 pm on a Monday.

(Want to test these findings? Try sharing this post during those peak traffic times and see how your friends engage!)



Wednesday, June 13, 2012

GSEs Will Continue Reporting Credit Losses: FHFA

By: Esther Cho, DSNEWS

     Fannie Mae and Freddie Mac have and will continue to realize credit losses from due to mortgages originated years before the convervatorship, and the GSEs were deemed as critical supervisory concerns, the FHFA stated in its annual Report to Congress.
     Since 2008, the GSEs have operated under the FHFA as their conservator and regulator. Treasury supports the GSEs financially through the Senior Preferred Stock Purchase Agreements, which were established when the GSEs entered into the conservatorship out of concerns regarding the companies’ financial health.
     In 2011, Fannie and Freddie borrowed $33.6 billion from Treasury, an increase from the year before when $28 billion was drawn. Of the $33.6 billion, $16.1 billion was used to fund dividend payments back to Treasury. The losses leading to the $17.5 billion drawn from Treasury were due to business decisions made by the GSEs in the pre-conservatorship days. Overall, the GSEs have drawn $187.5 billion from Treasury as of the end of 2011.
     Losses reported today from the GSEs and projected losses are the result of loans originated from 2005 to 2007.
     New single-family guarantees in 2011 were reported to have high credit quality, while higher-risk mortgages have, for the most part, been eliminated.
     Mortgages guaranteed in 2011 had average FICO credit scores in the mid-700s, which was roughly 35 to 45 points higher than pre-conservatorship days. Also, the average loan-to-value ratio was at or below 70 percent, which was about 5 percentage points below the levels during pre-conservatorship times.
     FHFA reported that the conservatorships of the GSEs and Treasury’s financial support have stabilized Fannie and Freddie’s financial condition, but they are still not restored to a “sound financial condition.”
     According to FHFA, key challenges Fannie and Freddie face include “ongoing stress in the nation’s housing markets, the challenging economic environment, and the uncertain future facing the Enterprises.”
     The GSEs guaranteed about three out of every four mortgages in 2011, which equals about $100 billion each month in new mortgages.
     Since September 2008, Fannie and Freddie have completed more than 2.1 million foreclosure prevention actions.
     The report also included an update on FHLBanks, and stated all 12 recorded annual profits in 2011, with two reporting losses in individual quarters. The FHLBanks ended 2011 with assets totaling $766.4 billion, down from $878.3 billion in 2010.
     Factors which continued to negatively impact the performance of FHLBanks included “declines in advance balances, pay down of higher-yielding investments, and exposure to private-label mortgage-backed securities.”
     While net income decreased slightly in 2011 from the year before, credit-related impairment charges on the banks’ private-label MBS were declined in 2011.

Napoleon Hill's 17 Principles of Personal Achievement



"Whatever the mind can conceive and believe, the mind can achieve."

Lesson 1: Definiteness of Purpose
Definiteness of purpose is the starting point of all achievement. Without a purpose and a plan, people drift aimlessly through life.
Lesson 2: Mastermind Alliance
The Mastermind principle consists of an alliance of two or more minds working in perfect harmony for the attainment of a common definite objective. Success does not come without the cooperation of others.
Lesson 3: Applied Faith
Faith is a state of mind through which your aims, desires, plans and purposes may be translated into their physical or financial equivalent.
Lesson 4: Going the Extra Mile
Going the extra mile is the action of rendering more and better service than that for which you are presently paid. When you go the extra mile, the Law of Compensation comes into play.
Lesson 5: Pleasing Personality
Personality is the sum total of one’s mental, spiritual and physical traits and habits that distinguish one from all others. It is the factor that determines whether one is liked or disliked by others.
Lesson 6: Personal Initiative
Personal initiative is the power that inspires the completion of that which one begins. It is the power that starts all action. No person is free until he learns to do his own thinking and gains the courage to act on his own.
Lesson 7: Positive Mental Attitude
Positive mental attitude is the right mental attitude in all circumstances. Success attracts more success while failure attracts more failure.
Lesson 8: Enthusiasm
Enthusiasm is faith in action. It is the intense emotion known as burning desire. It comes from within, although it radiates outwardly in the expression of one’s voice and countenance.
Lesson 9: Self-Discipline
Self-discipline begins with the mastery of thought. If you do not control your thoughts, you cannot control your needs. Self-discipline calls for a balancing of the emotions of your heart with the reasoning faculty of your head.
Lesson 10: Accurate Thinking
The power of thought is the most dangerous or the most beneficial power available to man, depending on how it is used.
Lesson 11: Controlled Attention
Controlled attention leads to mastery in any type of human endeavor, because it enables one to focus the powers of his mind upon the attainment of a definite objective and to keep it so directed at will.
Lesson 12: Teamwork
Teamwork is harmonious cooperation that is willing, voluntary and free. Whenever the spirit of teamwork is the dominating influence in business or industry, success is inevitable. Harmonious cooperation is a priceless asset that you can acquire in proportion to your giving.
Lesson 13: Adversity & Defeat
Individual success usually is in exact proportion of the scope of the defeat the individual has experienced and mastered. Many so-called failures represent only a temporary defeat that may prove to be a blessing in disguise.
Lesson 14: Creative Vision
Creative vision is developed by the free and fearless use of one’s imagination. It is not a miraculous quality with which one is gifted or is not gifted at birth.
Lesson 15: Health
Sound health begins with a sound health consciousness, just as financial success begins with a prosperity consciousness.
Lesson 16: Budgeting Time & Money
Time and money are precious resources, and few people striving for success ever believe they possess either one in excess.
Lesson 17: Habits
Developing and establishing positive habits leads to peace of mind, health and financial security. You are where you are because of your established habits and thoughts and deeds.

Tuesday, May 29, 2012

Utilizing Twitter to Grow Your Business is Easier Than You Think

1. Jump in feet first. Twitter is simple and it’s free, so getting started is as easy as the click of mouse. Find twitter.com to create a personal [or business] profile. In just a few steps, you’ll join the ranks of celebrities, politicians, business leaders and the worldwide Twitter community.


2. Just go for it. Send a tweet! You know what they say, “Practice makes perfect.” So, just do it — send a tweet about anything. Express a thought, share an activity or even send a link to something of interest. Enter a tweet [no more than 140 characters] in the small blank box on the Twitter home page.
3. Follow other people and businesses. Just like any other social media outlet, i.e. Facebook or Google+, Twitter is just like attending a networking event only it’s virtual! Making a statement is not enough; joining in the conversation is imperative. By following others, your own personal following will form — just like making connections in the real world.
4. Seek out friends. Use keywords and search twitter.com to locate old friends, new friends or people who share common interests. It is a quick and easy solution to form a following. Think of a topic of interest to search; this simple action will reveal all the tweets surrounding that topic, while additionally showing the profiles of those who tweeted. Then, simply start following fellow tweeters with similar interests!
5. Pay attention to Twitter etiquette. Sending spam, neglecting to join or contribute to conversation, and merely launching an advertising campaign probably won’t inspire a following. Instead, treat Twitter as a relationship builder where the give-and-take of friendship is at the forefront. Supporting others, asking for input and sharing projects and points of interest will build trust and interest in both your personal and business brand.
Twitter is a very powerful social media tool, with the ability to create a viral message and send it around the world in mere seconds. Have you used Twitter yet? Can you share one of your best practices for Tweeting?

For the full article, Tweeting for Success, by Amanda LaRiviere, see the February/March edition of the Powerline Magazine here: http://ma.imirus.com/Mpowered/book/vpl12/i2/p1/ocorporate/cnull