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Category Blogs I Follow

Does cold weather affect your well?

In this issue of Tips from the Pros, WelGuard shares valuable information about the cold weather and your well.

Does cold weather affect your well?

Or, If the well is outside during the winter, why doesn’t the water freeze?

Cold conditions generally shorten the lives and usage of mechanical and electrical equipment used outside.  This generally includes all of the dozens of man made parts that make up a well.  But the answer to the question of cold affecting well performance is no – there is very little affect.

Cold has no apparent negative affect on the equipment and well, in part because the well is sealed/enclosed on the outside. Your well cap and casing serve as a bit of “insulation”, and this stops the cold air and rain from getting into the well, even when it is freezing cold outside.

The lateral p...

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Thin out your files

get rid of clutter with files, tips from the pros

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about clutter and your mindset.

Even though a lot of our paper has been eliminated by the computer, there are still a lot of pieces of paper we have to deal with. Every now and then we need to take time to go through them to avoid towers of paper.

Invitations

Invitations, flyers, save the date cards from events that have already happened or are no longer needed are taking up valuable space. Time to recycle these things if they are no longer useful.

Art projects

You don’t need to keep kids’ artwork from last year (and earlier). Keep only the most spectacular items of your kids’ artwork and take photos of the rest. Hang onto them for a year or less so everyone has a chance to see them and then let them go...

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Create a Fire Evacuation Plan Today

Thanks to Tom Benisch of State Farm for this episode of Tips from the Pros on creating an evacuation plan.

Getting out and making sure everyone is safe: That’s the crux of a fire evacuation plan. It doesn’t have to be complicated; in fact, simpler is better — and fast is key. Create your own plan and follow these practice reminders so you can act immediately if there’s a fire in your home.

Make a plan

  1. Sketch a map of your house.
  2. Draw two escape routes from each room — one out a door, one out a window.
  3. Designate and “star” a meeting spot a safe distance from the house (for example, the mailbox across the street).
  4. Hang the plan where everyone can see it regularly.

Practice fire evacuation — exactly as you’d do it in real time

  1. Sound the smoke alarm.
  2. Leave everything ...
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Clutter and your mindset

clutter and your mindsetThanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about clutter and your mindset.
Our homes are filled with belongings, even homes that are well organized. The way to happiness in a well-functioning home is to make sure you don’t have a bunch of stuff that serves no purpose.

Obligation

Do you keep things out of a sense of obligation? Cut that out today. There is no reason to keep things you don’t want or need. Hanging onto belongings because your favorite aunt left it to you or because it was a wedding gift leads to clutter.

Fear

Are you afraid of throwing something away and needing it later? If you have something for a year and you haven’t needed it, let it go. Saving things you might need in the future is simply adding to your clutter.

Anxiety

Ps...
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October Calendar of Events

October Calendar of Events

Lots of activities are happening in October around Baltimore. There is still a little time to celebrate outdoors. These activities include Fleet Week, theater, art and other cultural events.


Maryland Fleet Week and Air Show

Image: Maryland Fleet Week & Air Show.

Maryland Fleet Week and Air Show on October 3-9 in the Inner Harbor, Baltimore.


Shakespear in Baltimore

Image: Chesapeake Shakespeare Company

She Stoops to Conquer at the Chesapeake Shakespeare Company through October 21, 2018.


John Waters retrospective

Image: John Waters. Divine in Ecstasy. 1992. Collection of Amy and Zachary Lehman. © John Waters, Courtesy Marianne Boesky Gallery.

John Waters – Indecent Exposure through January 6, 2019. Retrospective organized by the BMA examines John Waters’s influential career.


Baltimore Marathon

Image: Baltimore Running Festival

Baltimore Marathon will be dow...

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Common Organizing Mistakes

common organizing mistakes can lead to clutterThanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about organizing mistakes.

Some people believe if their home is clean, it’s organized. That is not necessarily true. Clutter can be hidden in closets or under beds. People may have trouble finding things because they don’t have storage containers clearly labeled.

How do you make sure you don’t take these organizing missteps?

Kitchen counters

You don’t have to have your kitchen counters completely clear. If you use your toaster every morning, keep it on the counter. Putting it away and taking it out every day is a waste of time. However, if you only use it every now and then, it makes sense to keep it off the counter.

Entryway

A completely clear entryway can make it hard to find a place for your coat,...

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Updated Mortgage Rates

Thanks to Mark Hines of Fidelity Bank for this episode of Tips from the Pros about mortgages.

It looks like last week everything leveled off a bit even in the wake of the possible collapse of Turkey’s economy. In US news, July Housing Starts +0.9%– Building Permits +1.5%.  Weekly jobless claims -2,000 to 212,000.  News is mortgage interest rate neutral.

As everyone knows by now FHLB is out of funds till January 2019.

There are other down payment assistance p[rograms that have funds to help 1st time buyers. Feel free to reach out to me if you have questions on any of these valuable programs. Construction loans are becoming popular with the lack of inventory. I do have a one-time close construction loan...

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How to Choose the Right Firewood

Thanks to Clean Sweep for this episode of Tips from the Pros about choosing firewood.

How to Choose the Right Firewood

While warm fires are the last thing you want burning in your house in the summer heat, fall and brisk winter nights are right around the corner. When cooler days come around, you should start by cleaning out your fireplace and getting a chimney inspection. Once your chimney has been prepped, you need to choose the right firewood.

Clean Sweep choosing firewood

Dry Firewood is the Best Firewood

As a general rule of thumb, remember that dry firewood is the best firewood. Wood is filled with small tubes that run water from the roots below the ground into the trunk and branches. When the wood is cut, those tubes will still have moisture in them...

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Weekly Mortgage Rates

Thanks to Mark Hines of Fidelity Bank for this episode of Tips from the Pros about mortgages.

Looks like FHLB (Federal Home Loan Bank) Grant has used all of its funds. There could be small amount come back as available but no more applications are to be taken for this valuable grant this year. Looks like 2019 in mid-January looks like the next window of opportunity.

The projection for the rates going into new week is to downright avoid floating any locks as news is mortgage rate un-friendly.

Don’t forget we have the FHA 203k full and streamline and Fannie Mae Homestyle rehab loans available.

As always feel free to use the rates below as a guideline for this weekend’s business.

Feel free to call with any borrower questions!

tips from the pros mortgage rates tips from the pros mortgage rates for this week

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big move can be messy but it can be organized

The Big Move

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about moving.

Whether you are downsizing, upsizing, moving for work or for another reason, making the move go as smoothly as possible is the main goal. Here are some tips to make things easier.

Create a timeline

Don’t wait until the last minute to do everything. Things like setting up your utilities, moving your cable, phone, internet access and forwarding your mail need to be done ahead of time. Schedule movers or rent a truck and organize your friends and family to help you move. Create a timeline with each task and when it needs to be completed – and stick to it.
Make lists if you need them and check off tasks as you complete them. Keep your lists and timeline together so you can easily find them.

Me...

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