Five Ways to Declutter and Create Space

Positive Cleansing: Five Ways to Declutter and Create Space

Declutter and Create Space

If you feel claustrophobic in your own home or cringe when you see piles of stuff randomly growing throughout the house, it may be time to declutter. Thankfully, there are simple and easy ways you can clean up your property without relying on professional (and expensive) help. Here are some techniques you can use to create a relaxing atmosphere.

Sort and Sort Again

The first stage of decluttering is deciding what you can let go of. A good place to start is your clothing, as we tend to have more than we really need. However, rather than go drawer by drawer, take everything out and work through the pile by making three mini-piles: keep, donate or sell, and toss. After you’ve finished, ask yourself if you could use clothes that are too tattered to give away as dusters or cloths for cleaning. Now, turn your attention to the rest of the house and, again, do sections at a time. Gather all your yard decorations, office supplies, and whatever group you’ve chosen, and then do it all at once before moving onto the next. This way, you never do too much, and you see tangible results to inspire you further.

Letting Go

Once you have your belongings separated, it’s time to determine their fate. There are charities that take household goods to support those in need, and some organizations will come to you for large-item pickups if necessary. Just be certain that what you’re giving away is something that another person could genuinely use. Similarly, you can sell items in good condition to earn a small profit, either through a yard sale or by listing online. You could use a marketplace website, such as Amazon or eBay, but you do have to pay fees. Other sites, like Craigslist, are free, but always have people with you when you do the exchange.

Hack Your Storage

One reason your house may feel cluttered is because you lack storage. No amount of donating or throwing things away will change this; instead, research how you can expand your capacity. For instance, thinking beyond using only wardrobes and closets can be eye-opening. You can house a lot under your bed with decorative trunks, vacuum bags, or rolling bins for easy access. Likewise, look at places most ignore, such as the walls and overhead. Put shelving up high, and add hangers to walls so you can store even more. Finally, set aside some time to take a hard look at your closets. If you’ve casually tossed anything and everything into them over the years, chances are they need some hardcore TLC, which will ultimately free up some much-needed space. Angie’s List has a guide to help you work through and organize your messy closets, including ways to purge your belongings and determine what stays and what goes.

Upcycle Your Goods

If you have stuff you don’t think is worthy of a donation but you don’t want to sell, you could opt to upcycle. For example, this process can transform old silverware into a unique wind chime or drawer handles in the kitchen and bathroom. Even a rusty or bent colander might be turned into a hanging planter for your garden. The options are truly endless, and some of your creations could give you further opportunity to make a profit.

Keep Things Clean

Now that you’re organized and ready to rock, the next stage involves developing a system to stay tidy. As a start, know where everything goes so they are never again in “pile purgatory,” and create a schedule to maintain cleanliness. Routine and consistency will help, as will cleaning as you go. That means doing dishes while you cook and breaking up chores into projects you can manage throughout the week. Mondays can be the time you vacuum and dust the living room, while Tuesday could be when you scrub the tub and bathroom sink. Create something that works with your schedule, and stick with it to develop better habits.

It may seem intimidating to get the proverbial ball rolling, but that’s the hardest part. Once you’ve started, you may be surprised by how quickly you can get things taken care of. Yes, there might be difficult moments, but when you’ve finished decluttering, you can start a new phase of only bringing stuff you choose into your life and home.

Image courtesy of Pixabay

Martin County Emergency Notification System – CodeRED

Martin County Emergency Notification System – CodeRED

Martin County residents have a new way of being notified of any emergencies in the area named Code Red. 

CodeRedHere’s the information from the Martin County web site:

NEW EMERGENCY NOTIFICATION SYSTEM AVAILABLE TO THE PUBLIC

Martin County Fire Rescue is excited to announce a new public Emergency Notification system, called CodeRED. This allows Emergency Management personnel to send Public Safety messages, evacuation notices, and other timely warnings, by phone, text, and/or email.  Citizens and businesses are encouraged to use a new Community Signup feature where they are able to associate landline phones, cellular phones, and email addresses with a Martin County street address.  CodeRED allows notifications as broad as all-county, and as narrow as targeted evacuation zones, or small neighborhoods threatened by wildfire, flooding and other public safety emergencies.

FREE WEATHER WARNINGS

Another feature of the CodeRED system is localized weather warnings.  Citizens and businesses opting into the system can receive severe weather and tornado warnings when issued by the National Weather Service affecting portions of Martin County.  With Weather Warnings, the public can receive timely information regarding these threats and react with protective actions, such as going indoors, sheltering, etc.  Signing up for the warnings is as easy as a few mouse clicks and the warnings are automatically generated.

To sign up for CodeRED notifications and allow phone, text, or email information for delivery of important Public Safety messages and/or severe weather warnings, click here to see terms and conditions, and to complete your signup.

FREQUENTLY ASKED QUESTIONS FOR CodeRED

SIGN UP HERE

Martin County Emergency Notification System – CodeRED

Florida has money for foreclosed owners but few apply

Florida has money for foreclosed owners but few apply

TALLAHASSEE, Fla. – Jan. 17, 2013 – With a Jan. 18, 2013, deadline looming, Florida Attorney General Pam Bondi’s office, working with Rust Consulting, Inc., has started picking up the phone in a last-ditch effort to contact Floridians who may be eligible for cash payments under the national mortgage settlement.

People who went through the foreclosure process between Jan. 1, 2008, and Dec. 31, 2011, are eligible for money if they had mortgages serviced by Ally/GMAC, Bank of America, Citi, JPMorgan Chase or Wells Fargo.

“It’s difficult to reach homeowners who lost their property, because there isn’t always a clear trail once they’ve moved,” says Florida Realtors Senior Vice President of Public Policy John Sebree. “Some foreclosed owners moved to hotels; some moved out of state; some may even be homeless. Attorney General Bondi’s office has made a good faith effort to find these deserving homeowners, but not enough people know about the money.”

Bondi’s office says that claims received after Jan. 18 may be considered, but payment to those claimants isn’t guaranteed. To date, only 44 percent of eligible claimants have submitted the proper forms.

Payment checks will be mailed in mid-2013, according to Bondi. A valid claimant can expect at least $840 and probably more.

This $25 billion settlement between the nation’s five largest mortgage servicers, federal government, 49 states and the District of Columbia earmarked about $1.5 billion in payments for 2 million borrowers. In Florida, approximately $170 million will be used for the claimants. All available funds will be distributed, Bondi’s office says – none will be returned to the banks or used for any other purpose.

For more information about eligibility and filing a claim:

• Visit the master claim website: NationalMortgageSettlement.com

• Email: administrator@nationalmortgagesettlement.com

• Call toll-free: 1-866-430-8358 (hearing impaired: 1-866-494-8281). The line is staffed Monday through Friday 7 a.m. to 7 p.m. Central.

© 2013 Florida Realtors®

‘Les Miserables’ Debuts in Stuart, FL

‘Les Miserables’ Debuts in Stuart, FL

For the first time ever showing in their own brand new theatre, the StarStruck Performing Arts Center of Stuart, Florida premiered the critically acclaimed musical, “Les Miserables”.  Adapted from Victor Hugo’s classic epic on the power of love in a loveless time.  

This musical has been praised for years with few teen groups talented or daring enough to brave the “vocally demanding” harmonies and range presented in the show.  The StarStuck Performing Arts Center, (founded by producer Jennifer Jones and musical director Peter Jones) seemed to have no problem with this challenge, however.  With a cast of thirteen to eighteen-year-olds, the musical starred Kevin Paul a fifteen-year-old sophomore at The Pine School as Jean Valjean, a former convict trying to regain his life after breaking parole in the merciless streets of France during and after the French Revolution.  Accompanied by an obsessed Inspector Javert (Cory Jeacoma), a tragic prostitute (Maddy Mills), his adopted daughter (Sydney Carbo), a French rebel (Christopher Mash), and a struggling peasant (Katie Rodgers). 

The cast of Les Miz absolutely “triumphed” according to an article featuring Starstruck’s production in the Stuart News.  Award-winning scores included: “I Dreamed a Dream” (performed by Ms. Mills) and “One Day More” (a cast song) all performed live on StarStruck’s new stage.  From daring soprano solos to breathtaking harmonies the Les Miz cast left you crying and laughing with their weekend performances from November 10th-13th.  Their timeless songs stuck in your head for days.

For more information about Stuart’s award-winning performing arts center visit http://www.starstruckfl.com/ and be sure to reserve tickets for their upcoming productions of The Wiz and Annie all coming soon at the StarStruck Performing Arts Center in Stuart, Florida.

For more information, visit our website or call us at (772) 888-2885.
Our market reports are here!

How is your FICO score calculated?

How is your FICO score calculated?

According to FICO, five elements make up your credit score:

·         Payment history (35%)

·         Your credit utilization, or how much of your credit you’re actually using (30%)

·         Length of your credit history (15%)

·         Recently issued credit (10%)

·         Types of credit used (10%)

How do banks rank credit scores?

Finding the best credit card often means having to know where your credit scores fall on the spectrum of typical consumers. Over the past few years, lenders have ratcheted expectations skyward. Before the financial crisis of 2008, many banks considered a 680 FICO score “good.” Today, it’s just “fair.” Research from FICO, Experian and Informa Research reveals how banks look at credit scores today:

·         Excellent: 760-850 on FICO, 900-990 on VantageScore or an “A” letter grade.

·         Good: 700-759 on FICO, 800-899 on VantageScore or a “B” letter grade.

·         Fair: 620-699 on FICO, 700-799 on VantageScore or a “C” letter grade.

·         Poor: Below 620 on FICO, below 700 on VantageScore or a “D” or “F” letter grade.

You may also have heard a bank representative or a mortgage broker note that you’ve got a “thin credit file.” That just means your limited credit history makes it hard for a credit card issuer to figure out whether you’re a good risk. Building a track record with a student credit card or secured credit card usually improves your score over time.

A big thank you to Claudine Porikos of Group One mortgage for the above information.
You can reach Claudine at:
Group One Mortgage NMLS #53185
900 E Indiantown Rd Suite 110
Jupiter, Fl 33477
561-745-6075  fax  561-747-8409

For more information, visit our website or call us at (772) 888-2885.
Our market reports are here!

6 Mortgage Shopping Myths

Mortgage shoppers hear many strange tales about the home loan-shopping process. Here are 6 common myths about shopping for a mortgage and the facts you should know:

Myth: Shopping for a mortgage loan will hurt your credit score.

Fact: Credit scoring companies know most people want to shop around for a mortgage or car loan. That’s why their formulas allow a window of time during which multiple inquiries about your credit will be counted as only one inquiry. If you stay within that window, you don’t have to worry about shopping for a loan from multiple lenders.

Myth: All lenders sell your personal information to telemarketers.

Fact: When you apply for a loan and the lender checks your credit history, the credit reporting company may sell your name and telephone number to other lenders. These names and telephone numbers are known as “trigger leads.”

If you’re shopping for a loan and don’t want to become a trigger lead, you can submit a form online at OptOutPrescreen.com. This will help to keep your information private and ensure the credit bureaus won’t sell your information as a trigger lead.

Myth: Everyone can qualify for the low-interest rates advertised on television.

Fact: Advertised interest rates may require that you have a very high credit score or pay a lot of upfront fees that add to the cost of your loan.

The best way to find out exactly what interest rates you’ll qualify for is to shop around and compare loan offers from multiple lenders. The rates you’ll be offered will depend on your credit score, the type of loan you want and your down payment (or the equity in your home) as a percentage of the amount you want to borrow.

Myth: If the Federal Reserve raises interest rates, mortgage interest rates will go up.

Fact: The Federal Reserve sets bank interest rates, not mortgage interest rates. While the Fed doesn’t directly control long-term interest rates for mortgages, auto loans, credit cards or other types of consumer loans, the interest rates on those types of loans can be affected by the Fed’s decisions, actions and statements. But keep in mind that if you have a fixed-rate loan, the rate won’t change no matter what the Fed does. If you have an adjustable-rate loan, the adjusted rates may be indirectly affected by the Fed’s actions. (For more information read: How the Fed affects mortgage rates.)

Myth: The loan that has the lowest interest rate or lowest monthly payment is always the best loan.

Fact: Mortgage loans are not all alike. Some have a fixed interest rate while others have an adjustable rate. It’s important to compare more than just the interest rate and monthly payment when shopping for a mortgage. Be sure to look at the loan’s costs and fees, as well as the terms of the loan. For example, some mortgages may offer a low initial monthly payment but require a balloon payment. Or a loan may have an interest-only period, after which your monthly payment will rise dramatically. And some have less expensive costs and fees, which may make sense for your situation.

Myth: I may be required to pay a large sum of money upfront to guarantee my loan approval.

Fact: The federal government has warned borrowers to be aware of so-called “advance fee loan scams,” in which a lender guarantees that the borrower will be approved for a loan after the borrower pays a hefty upfront fee. Be wary if a lender asks for you to send or wire a large upfront payment to “guarantee” your loan approval. This may be a sign of a scam.

Reputable lenders may charge modest fees to review your credit report and conduct an appraisal during the loan approval process, but they typically won’t approve a loan until they’ve reviewed your financial situation.

For more information about advance fee scams, visit the FTC’s Facts for Consumers.

For more information, visit our website or call us at (772) 888-2885.
Our market reports are here!

Courtesy of Claudine Porikos and Kim Davis, Group One Mortgage

Mixing the Right Ingredients for a Sale

Mixing the Right Ingredients for a Sale

There are three basic ingredients in the recipe for selling your Stuart, Florida home: location, condition, and price.  Sellers can’t control the location and have some control on condition but have the most control over that final ingredient, price.  If a home isn’t selling after a couple of months, that element will likely need some adjustment.

Generally, if your home isn’t selling in the average amount of time that others on the market are, overpricing is the probable culprit.  Deciding how much to adjust your asking price will depend on a reevaluation of your local neighborhood market.

Even if you’re confident that you priced fairly and correctly from the beginning, you may find yourself overpriced if local conditions in your Stuart, Florida neighborhood have declined or not seen any recent improvement.  Now may be the time to consult with your real estate agent and ask for a new CMA, or Comparative Market Analysis.

The CMA will report the current asking prices, current selling prices, and prices for homes whose listings have expired.  Forget about comparing asking prices, because the market has not yet shown if those will sell or not.

Prices at which homes did sell are a good figure to heed, but you’ll also learn a lot from the prices at which homes did not sell, or expired.  After your agent’s explanation of the CMA, make sure your new price reduction is in line with final sales prices and well below the expired listing prices.

Would you like a check on the current value of your Treasure Coast Florida property?  You can request one here.

the Gabe Sanders real estate team

Residential Homes, Condos and Land
Waterfront and Golf Course Communities in Martin and Saint Lucie Counties

For more information about Florida’s Treasure Coast Real Estate, visit us at:

Search the MLS for Free

Now you can access the MLS using similar tools as Realtors. You are in control of what you want to search for, and you can search the MLS at your leisure. The information you submit in the form below can also be used to put you on an automated system where you’ll be emailed all homes that meet your search criteria. You’ll get internet access to a website that includes pictures, prices, and addresses to real estate that’s listed in the MLS!

Stuart Florida Real Estate

Call 772-323-6996 for information