Posted by Marie Presti on 12/14/2015

Buying a home is a very important decision. Before you rush into a home you should consider all the factors. Making sure you end up with the right home involves figuring out exactly what features you need, want and don't want in a home. Before starting your search, you should make a "wish list" to decide which features are absolutely essential, which nice “extras” are if you happen to find them, and which are completely undesirable. The more specific you can be about what you're looking for from the outset, the more effective your home search will be. Also keep in mind, that in the end, every home purchase is a compromise. Create your own personalized "wish list" and when you're finished filling it out; share it with your real estate agent. Become an educated buyer •The web is one of the best ways to search for homes today. With this website, you can receive daily emails with new and updated listings from the towns and price range of your choice. •Search the entire MLS for all homes, condos, land, multi family, commercial properties, and past sold properties at your convenience. •View full listing sheets showing amenities, taxes, lot sizes, beds, baths, rooms, siding, fireplaces, garages, room sizes and much more. •Get property addresses and see where the properties are located on MapQuest. •Check schools and community profiles of your preferred towns. •Save preferred listings in your own file to view anytime. •Calculate approximate mortgage payments for specific properties. Home Inspection Once you have made an offer on a home, you will need to schedule a home inspection, conducted by an independent authorized inspector. It is extremely important to hire a reputable inspector so that you know exactly what you are buying. Do not hesitate to ask friends, family, and co-workers for advice. If you are satisfied with the results of the inspection, then you can proceed with the sale. If the inspector finds problems with the property, you may want to negotiate with the seller to lower the price, or to pay for certain repairs. Appraisal Your lender may require you to get an appraisal of the house you want to buy, to make sure it is worth the money that you are borrowing. You may select your own appraiser, or you may ask your real estate broker to help you with this task. Homeowner's Insurance Lenders require that you have homeowners insurance, to protect both your interests and theirs. Like everything else, be sure to shop around for insurance that fits your needs. Settlement or Closing Finally Make Sure Before you Buy Finally, you are ready for the closing. Be sure to read everything before you sign! You should have both your real estate broker and an attorney present at the closing to ensure that all is in order.





Posted by Marie Presti on 9/27/2015

In today's economic climate protecting your financial health is more important than ever. From health insurance to your plans for retirement, there’s a lot to consider. Here are some tips from Family Wealth Management Group, LLC to help protect your assets and financial future. It is never too early to plan In order to plan, you need to know what you have. Review your pension plan, 401 (k), IRAs, Social Security benefits and other savings plans to assess whether they meet your long-term retirement goals and will generate an income stream to meet your projected expenses. Curb spending Time to take an inventory on how much you spend. Keep a log on trips to the market, afternoon lattes, dry cleaning and all of your miscellaneous spending. Try to eliminate a portion of these expenses. Once you track them you will realize you are spending more than you thought. Re-define your financial goals Ask yourself where you see yourself in five, 10 or 15 years. See if it is possible to redefine your goals. You may be able to retire earlier or pay for college. Set goals to achieve the things you want. Get help Professional advice about investment losses, financial products, insurance coverage and other important issues will help you make the right choices for your current financial situation.




Categories: Money Saving Tips  


Posted by Marie Presti on 9/20/2015

White distilled vinegar is effective for killing most mold, bacteria and germs due to it's high level of acidity. Vinegar is a weak form of acetic acid that is made from the fermentation of sugars and starches. White vinegar has so many different uses in the home; it is considered the “miracle cleaner”. It is pocketbook friendly, all natural, safe for pets and nontoxic. Why would you use anything else? It is a good idea to purchase two empty spray bottles, keep one full with pure white vinegar and the other with half water and half vinegar. This just makes it easier to dispense and have on hand at all times. A person can work wonders cleaning their home naturally just armed with vinegar and water. There are so many different uses for white vinegar in your home. Here are just a few ideas. Vinegar mixed with water is an excellent cleaner for all kitchen surfaces like counter tops, refrigerators and stove tops. To shine chrome fixtures simply make a paste of 2 tablespoons salt and 1 teaspoon white vinegar. To clean wooden cutting boards simply just wipe with vinegar. Clean refrigerator shelves with a solution of ½ white vinegar and water. Did you know that soaking fruit and vegetables in 1 part vinegar to 3 parts water can remove up to 98% bacteria? Soak fruit and vegetables for at least 10 minutes then rinse to get best results. Vinegar is also useful in the laundry. To decrease lint in laundry add ½ cup straight white vinegar to rinse cycle. To make your bright’s brighter add ½ cup vinegar to the rinse cycle. If you have pets white vinegar is a good solution to have in house. If your dog has the mishap of getting sprayed by a skunk, use dilution of vinegar and water, rub dog’s fur then rinse with warm water. Repeat a couple times. To keep dogs from scratching their ears rub them with a cloth diluted with vinegar and water. Vinegar is so versatile in the home. You do not have to worry about the vinegar smell remaining after you use it because the smell dissipates after it dries. So, for people who believe in living green and healthy, white vinegar is a must have in the pantry closet.





Posted by Marie Presti on 1/11/2015

Buying a house can be one of the most exciting moments of anyone’s life. You have just moved in and now you have a whole new set of tasks. Making your house a home can be a huge job. Here are some tips on how to get your house feeling like a home in no time without breaking the bank.   Space out your purchases Many first-time home buyers are coming into home-ownership without all the things they need to fill their new home. Many new homeowners feel the pressure to buy everything at once. It is important to focus on the most necessary items first. According to a study from the National Association of Home Builders, furnishings represent a substantial investment, with home buyers spending about $5,300 on furnishings during the first year after buying a home. Space out your home furnishing purchases and focus on the most necessary pieces first, such as a bed, living room sofa and dining room table. Windows can also present a problem for new homeowners. Don’t feel pressured to choose window treatments for every window all at once. Make a priority list starting with the areas where privacy is a must and go from there. You will also need to prioritize appliances. You may want to rush out and buy that huge flat screen TV but consider what other appliances need to take priority, such as a refrigerator, stove, or washer/dryer. New Responsibilities A new home comes with new responsibilities. This may be the first time you have to take care of a yard. Don't go crazy, invest in a few key garden tools, such as hedge trimmers, a sprinkler, and a lawn mower. No need to invest big money in expensive landscaping services at first. Just focus on keeping your yard uncluttered and neat. Another new responsibility is home maintenance. There is no landlord to call when an issue arises. You will want to make sure you are equipped to handle minor issues on your own. Many home improvement stores have tool sets you can purchase, but make sure it includes a hammer, screw drivers, pliers, wrenches, a tape measure and a staple gun.




Categories: Help Around the House  


Posted by Marie Presti on 4/20/2014

What's for dinner? That is always a tough question when its 5:30, you have just walked in the door and all you can find is a box of cereal. Avoid ordering out or a dinner malfunction by keeping your pantry stocked with a list of staples that will help you make a variety of meals in a jiffy. 1. Canned chicken: At first it may not sound so appetizing but with a storage life of up to a year, canned or pouch chicken can be a lifesaver. Mix it in with casseroles, stir-fries, creamy salads, or even shredded as a topping to a baked potato. You won't know the difference. 2. Pasta: It doesn't matter what kind; spaghetti, linguini, rotini, penne, macaroni,–the list goes on. Pasta is best served to add bulk to a meal. Pasta can be an alternative to rice which can take longer to cook. Add pasta to soups, sauces, with cheese or vegetables and you will have a home-style meal in minutes. 3. Jarred Tomato Sauce: You have the pasta in the pantry so having a quick jar of sauce is a no-brainer. It's not your mother's homemade sauce but it will do in a pinch. Tomato sauce is actually very versatile and can also be used in soups, stews, and chili recipes. 4. Rice and Grains: Grains can be used as a quick side to any meal or bulk up any dinner. Stock up on quick-cooking rice, bulgur, and barley. Serve grains with a simple stir-fry or mixed with veggies and an egg for an easy fried rice dish. Mix flavored rice boxes with ground beef for an easy, one-meal dish. 5. Canned Beans: Beans are high in protein; they have a long shelf life and can be a part of lots of different dishes. Heat and mash them for a filling soup or drain and mix them with canned veggies for a light and flavorful dip or vegetable salad. Any kind of beans will do; Black, Pinto, Cannellini, Great Northern, or Garbanzo, just choose your favorite. 6. Canned Vegetables: It is so difficult to use fresh-bought produce before it wilts. Canned vegetables to the rescue, they last much longer. Combine an assortment with broth and seasonings for an easy vegetable soup or add them to pastas, dry soup mixes, casseroles, or rice. 7. Canned Salmon and Tuna: Protein is good for you and helps fill you up. Canned salmon and tuna can be used for easy meal ideas. Serve in salads, pitas, pasta dishes, burgers, loaded potatoes, croquettes, and even as light appetizers or snacks. 8. Canned Tomato Products: Canned tomato products can be turned into so many things. Stock up on paste, stewed, diced and whole tomatoes. Diced tomatoes make a great queso dip when added to melted cheese. Add to ground beef and taco seasoning for a zesty burrito supper, or to a skillet with seasoning for a homemade pasta sauce. Use stewed tomatoes in soups and stews. 9. Peanut Butter: Everyone loves a PB&J sandwich, but peanut butter can be used on the dinner table for Asian-inspired flavor in dips, sauces, and stir-fry. Try it for a snack spread on celery stalks or apple slices, or as a spread with multigrain crackers. 10. Canned Fruit: Fruit for dinner? Why not? Jarred cherries, canned fruit, including pineapple, mandarin oranges, and even fruit cocktail can be used as a healthy and lean side dish. Try serving grilled pineapple with chicken, add mandarin oranges to salads, and fruit always makes a great dessert.




Tags: budgeting   dinner help   pantry  
Categories: Help Around the House