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home ownership tagged posts

11 reasons you have clutter

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about the reasons we have clutter.

Try as we might, we all have some clutter in our lives. Understanding the reasons why we accumulate so many things can help us turn it around and begin to reduce clutter.

1 . You’re not sure what clutter actually is.

Clutter, as defined by Merriam-Webster is, “Scattered or disordered things that impede movement or reduce effectiveness. A crowded or confused mass or collection.”

2. You can’t resist a sale.

Do you ever buy things you already have? You may buy things in bulk because you think you’ll use them, but then don’t. Often you take advantage of items that are on sale that you think you might need, but never do.

3...

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Meet the Raspa Family

Meet the Raspa family, clients of Gigi Causey, realtor.
Meet the Raspa family.

What made you choose THIS home over all the others 10 years ago?

For us, the neighborhood sold it. The home is on a corner lot, across the street from a wonderful park.  While the home had features that I hadn’t envisioned (a rather small kitchen and only one bathroom), we knew that those features were changeable.

Features like a big, flat, fenced-in yard and the view of the forest across the street weren’t things we could add to another house that checked all the boxes for interior features.

 What do you love most about your home, the area, the neighborhood?

We’ve loved having Double Rock Park in such close proximity...

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The Basics of Slate Roofing

Thanks to Clean Sweep for this episode of Tips from the Pros about slate roofs.

As a realtor, you probably see almost every type and quality of roofing imaginable, from roofs that seem to have more bare spots than shingles to traditional composite shingles. However, many realtors lack experience with slate roofing. This high-quality roofing material can last for up to 150 years if it’s properly installed, and it adds major value to homes.

Slate Roofing

Slate roofing can match almost any exterior aesthetic thanks to the wide range of textures and colors that the material comes in. It’s also completely recyclable once it has worn out. Slate roofing requires expert maintenance and specialized installation to give homeowners the best experience possible.

When Selling a Hom...

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January Mortgages

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

Don’t forget Fidelity Bank Mortgage now has the lock and shop to insure the rate does not go up while searching for the home of their dreams. See attached.

Long term trend provided by Market Alert, Inc.

Some may be wondering where all the furloughed government workers claims for jobless benefits are?  As is normally the case with federal workers — they have a different system than the average Joe on the street.  There are more than 10,500 government employees who have sought benefits through the week ended January 5th, the latest period for which numbers are available.  

The federal jobless benefits are higher than those paid to ordinary citizens – but unlike regular citizen...

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Wealth-Building Financial Goals for Every Stage of Life

wealth-building to work toward financial goals is important for all stages of life

If building wealth is among your aspirations for the year ahead, you will need some tips and idea. You might be looking for financial goals to set, depending on your age and stage of life.

In this Monthly Item of Value, get tips on where you should focus in each decade of your life. Although your priorities will surely change over time, the goal of continuing to build wealth may not.

In your 20s: Start saving and balance debt-to-income. 

In your 30s: Save as much as you can for large goals while you handle the demands of a growing family or caring for aging parents. 

In your 40s: This is your peak earning decade: Research shows pay growth peaks at 49 for college-educated men and 40 for college-educated women.*

In your 50s: Max out your savings and catch-up on savin...

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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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December Calendar of Events

December Calendar of Events

Lots of activities and holiday events are happening in December around Baltimore. Get the scoop on what’s happening and where.


tipsy bee spelling bee

Image: Allevents.in

The Tipsy Bee (Adult Spelling Bee) Tuesday, December 4, 8:00-9:30 pm at Old Major, 900 South Carey Street, Baltimore.


Lighting the monument

Image: Allevents.in

47th annual Downtown Partnership Monument Lighting, Thursday, December 6, 5:00-8:00 pm at the Washington Monument, 699 N. Charles Street, Baltimore.


family and pet portraits

Image: Allevents.in

Holiday Pet & Family Portraits Waverly Ace Hardware, December 8, 601 Homestead Street, Baltimore, 10 am.


December fire museum

Image: Maryland Fire Museum

Fire Museum of Maryland Holiday Train Garden, Open December 2, 9, 16, 27-30 ate the Fire Museum of Maryland, 1301 York Rd., Lutherville, MD 21093.


december in Hampden

Image: Miracle on 34th Stree...

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5 Fun Facts about Thanksgiving

thanksgiving and turkey go hand in hand
Everyone loves Thanksgiving dinner, all the games on tv and a long weekend, but there are some interesting facts that you might not know about this holiday. Check out this month’s Item of Value and read the full story about Thanksgiving and its traditions we all love. Football, balloon animals and Pilgrims are a part of the holiday, but how did all of the customs that we take for granted get started?

Click here to get the full e-report.

If you are interested in buying or selling a home, contact Gigi today!
Oh by the way, I’m never too busy for any of your referrals.

 

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Home mortgage rates

Home mortgage rates

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

As most of you know FHLB (Federal Home Loan Bank) grant program ran out of funds in early October. The date funds will be available again for us to use is January 14, 2019. Fidelity Bank Mortgage again has $1,000,000 to use for its borrowers/buyers. Currently Baltimore County SELP still has funds and certainly MMP or the Maryland Mortgage Program.

More buyers are electing to build a new home as the inventory of existing homes is low. Fidelity Bank offers a 1 time close construction loan as well as the HomeStyle and FHA 203k renovation loans.

We are seeing less seller help on contracts and usually multiple offers resulting in a big win for sellers.

As always feel free to u...

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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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