Tuesday, December 29, 2009

9 Tips for Improving Your Credit Score
Well it’s almost that time of year..you know..when we “need” to make resolutions..usually it has to do with how many cookies/chips/sodas we will NOT have…or how many trips to the gym we WILL make….here’s a better suggestion.. IMPROVE YOUR CREDIT SCORE!!!
Drumroll please….

1. Review your current credit report for accuracy. Everyone is entitled to one free credit report per year from each of the three credit bureaus—Experian, Equifax, and TransUnion. Get a copy of your credit report and look at it for accuracy. First, make sure that the information in your file is about you and only you, not someone who has a similar name or a similar Social Security number. It is very common for your credit reports to have mistakes or incorrect information. At a minimum, make sure that the information you are being evaluated on is current and correct
.
2. Fix credit report mistakes. If you find something on your credit report that is incorrect or missing, you should dispute the mistake by contacting the credit bureaus directly. All credit bureaus have their dispute procedures on their website. They are also required by law to investigate any disputed items and these investigations will usually be done within 30 days of your request.



3. Pay your bills on time. Sounds like a no-brainer, right? Payment history accounts for roughly 35% of your credit score. Paying bills on time is the most important thing to do. If you’re struggling to catch up, contact your creditors to work out a payment schedule.


4. Increase the length of your credit history. This accounts for about 15% of your score. Don’t cancel your old card or get a lot of new ones in a short time span because this can hurt your score.
5. Keep credit card balances low. It’s a good idea to keep the balances below 25% of your available credit. Even if you pay off your credit cards every month, a high average balance will impact your score. This accounts for about 30% of your credit score.


6. Keep new credit requests to a minimum. This accounts for 10% of your score. Every time a lender runs your credit, an inquiry is recorded. If you are trying to get a loan, don’t apply for new credit cards first. DO NOT..I repeat..DO NOT open store accounts to get that 1 time 15% discount.


7. Be aware that paying off a collection account will not remove it from your credit report. It will stay on your report for seven years. I know..it doesn’t seem fair..but…


8. Pay off debt rather than moving it around. The most effective way to improve your credit score in this area is by paying down your revolving credit. In fact, owing the same amount but having fewer open accounts may lower your score.


9. Beware credit-repair scams. By all means, don’t pay someone to wipe away the negative items in your file. If they don’t follow through, the damaging items will reappear in two or three months. It just takes a little bit of your time and follow through.
Please keep in mind that I am NOT a mortgage lender. For more information on how your credit score will impact your loan and interest rate, please contact your mortgage lender or call me 847-274-4983 and I will recommend an experienced mortgage broker.

Please remember..I am here to help!
Cheers,

Thursday, December 24, 2009

Christmas Gift Suggestions

"TO YOUR ENEMY...FORGIVENESS
TO AN OPPONENT...TOLERANCE
TO A FRIEND...YOUR HEART
TO A CUSTOMER...SERVICE
TO ALL...CHARITY
TO EVERY CHILD...A GOOD EXAMPLE

AND TO YOURSELF...RESPECT"
 by Oren Arnold 


Wishing you a very Merry Christmas in Barrington and around the world!

Wednesday, December 16, 2009

WHAT'S THE LATEST IN HOME PRODUCTS


COOL STUFF TO CHECK OUT..NEW WEBSITE COMING FOR HOMEOWNERS IN FEBRUARY..HOUSELOGIC.COM

Hot Home Products for 2010




Hot home products for 2010 include peel-and stick innovations, dynamic new paint concepts, valuable entry door/security solutions, affordable designer treatments for ceilings, an easy way to save water with new green technology, and a classic phone zapper that gives telemarketers the boot, says home improvement “What’s New Guru” Don Logay.

Among Logay’s recent finds and all-time favorites:

Giani™ Granite Countertop Paint
: Got a kitchen countertop that’s seen better days? Laminate chipped and discolored? Solid surface counter stained and scratched? Giani™ is a granite paint kit for countertop makeovers. Get the premium “look” of granite at a fraction of the cost—with lots of extra benefits too.

Water-based paint kits come in five color combinations and include everything needed to go “granite” in three easy steps in 24-hours or less. One $39.95 kit covers 35 square feet (16 running feet of 24-inch wide counter). Available at paint and hardware stores nationwide. Visit www.GianiGranite.com or call 1-800-650-5699.

One2Flush™ Dual Flush Conversion Kit
: The One2Flush™ toilet conversion kit turns a standard water-guzzling tank-type toilet into an eco-friendly, high-efficiency, water-saving dual flush model. One2Flush—with its “half flush for liquids and full flush for solids”—reduces water use by more than 38% and can save an average family over 10% on monthly water bills. Fits all standard 2-piece toilets, 1.6 gallon flush and up. Available nationwide at most hardware stores (Ace, True Value, Do-It-Best). For more information, visit www.one2flush.com.

Easy Crown Molding© by EZ-A-PEEL
: Budget-minded? Not up for hammering and sawing? Renting? Add elegance to almost any room with “peel-and-stick” Easy Crown Molding©. Kits offer quick and easy installation and an inexpensive alternative to fancy millwork. Vacuum-formed thermoplastic design overlaps and adjusts to length without measuring. Can also be trimmed with scissors. Installs in about one hour and can be left white or painted to match décor. Offered in three popular crown molding profiles for various sized rooms with 16 inside and 4 outside corners included. Kits start at under $50. To order call 1-888-EZAPEEL(1-800-392-7335) or visit www.easycrownmolding.com.

Dead Bolt Secure™ Entry Lock Protection
: The Dead Bolt Secure™ offers a low-cost, ingenious solution that makes standard deadbolt locks (with a lever or twist-type inside handle) virtually pick-proof. It even blocks entry for anyone with a legitimate key. How? A simple spring-loaded device that installs in minutes flips down to prevent a dead bolt’s handle form turning—no matter how it is being unlocked. Offered in brass and satin nickel. The best part? It only costs $9.95. Order online at www.arclink.net.

Aspect™ Peel and Stick Metal Wall Tile: Create a designer kitchen look quickly, easily and affordably with new Aspect™ peel-and-stick 3” x 6” metal tiles. Offered in three popular brushed finishes (stainless, copper and bronze) for dramatic and dazzling accents, whether a gleaming over-the-counter backsplash or an entire luxurious floor-to-ceiling wall. Aspect tiles adhere sub-surfaces (drywall, plaster, paneling, and old tiles) and are offered with horizontal or vertical graining. Gives kitchens and baths a fresh, new look. Box of eight tiles covers one square foot and costs about $20. The only limitation is your imagination. Available at some Lowe’s stores or order online at www.aspectideas.com.

Telezapper® / Blocks Telemarketer Calls
: Get rid of annoying telemarketer calls once and for all. This device plugs into your phone cord and only intercepts computer-generated calls—indicating this number is disconnected—which automatically takes you off their list. Over time, calls dwindle until you are practically telemarketer-free. Offered at www.amazon.com and via online search engines at prices ranging from $40 to $10. Additional info at www.telezapper.com.

Liquid Stainless Steel™ Brush-on Paint Kit
: Want to give your dingy, old kitchen appliances a gleaming stainless steel finish? Liquid Stainless Steel™ is a brush-on/roll-on “real stainless steel” finish designed to give older stoves, refrigerators and dishwashers a new lease on life. Complete kits are easy to use and update an average size refrigerator for $49 or a range and dishwasher combo for only $19.95. Works on cabinets, table tops and in many other places too. Available at paint and hardware stores nationwide. Order online at www.liquidstainlesssteel.com or call 1-800-650-5699.

Schlage® Keyless Entry Locks and Wireless LiNK™ Option: Tired of fumbling with keys? Reluctant to offer extras to visiting guests and service providers? Schlage® electronic keypad entry locks and deadbolts—using four-digit access codes—sell for $120 to $150. Company also offers Schlage LiNK™, a DIY wireless system allowing 24/7 remote control for keypad locks and other home management functions via the Internet. Lock or unlock doors from anywhere, add/remove access codes and control lights. Options include adjustable thermostat ($149) and cameras ($149 wired/$179 wireless) to see who is coming and going. Schlage LiNK Starter Kit ($299) offers choice of keypad lock (deadbolt or lever-handle) and everything needed to set-up a Z-Wave® wireless system. Monthly subscription cost $12.99. Available at Lowe’s, Radio Shack and www.amazon.com or visit www.consumer.schlage.com for 
retailers.

Evoba™ Modular Wood Ceiling System
: Put the warmth and beauty of a coffered wood ceiling in any room without the cost of custom millwork using the pre-fabricated Evoba™ system (that’s “Above” spelled backwards). Pre-engineered main beams and cross-tee grid components surround two-foot square, beautifully finished, recessed panels and offer easy installation. Available as a suspension or surface mount system, in a variety of wood species and finishes, at $12 to $30 per square foot. Available at www.acpideas.com.

INVISILED™ Low Profile Accent Lighting Tapes: Create dramatic indirect lighting effects almost anywhere with strips of miniature LED lights. Spaced one inch apart, and placed on thin flexible strips only 1/8 inch thick and 7/16 inch wide, INVISILED™ by WAC Lighting offers five basic colors (white, amber, red, blue and green). One- and five-foot peel-and-stick or screw-mounted sections can be cut at every inch. New Palette™ system offers continuous red-green-blue changing colors with control for speed and brilliance.

Aura™ system creates white “daylight” to amber “sunset” with variable control. Cost ranges $75 to $90 per foot. Plug-in drivers cost $60 to $120. Maximum spans from 25 to 40-feet. For information and retailers visit www.waclighting.com or call 1-800-526-2588.

SOURCE: http://www.whatsnewguru.com/

REMEMBER..KNOWLEDGE IS POWER!

Wednesday, December 9, 2009

Would of , Could of, Should have……


Don’t let this be YOU! Today’s real estate market has some of the best buying opportunities that we have seen in years!

1. Current inventory levels and prices are stabilizing plus there are historically low interest rates.

2. Don’t forget the home buyer’s tax credit that has been expanded to include homeowners that have lived in the same principal residence for any five consecutive-year period during the eight year period that ended on the date the replacement home is purchased. THERE ARE ONLY 142 MORE DAYS TO CLAIM YOUR CREDIT!

3. Housing remains an excellent long term investment. The median price for a home is Illinois in 2008 was 23% higher than it was in 1998 (10 years!)

4. It pays to own versus rent! A typical homeowner’s net worth is 49 times that of a renter’s according to the National Association of Realtors®.

5. Sellers can recoup on the buy side! To sell quickly in today’s market make sure your home has a compelling price not just a comparable one. You know my saying “This is not brain surgery people!” PRICE IT RIGHT!!!!
What a seller may lose on the sell side can be more than recovered on the buy side.


So, for every action there is a reaction...Do you want to control your life? Or do nothing out of fear of doing "something"???



I am here to help you…


Cheers,

Wednesday, December 2, 2009

Santa is coming to town!


You know it is never too late to get on the "good" side of Santa. You still have time to receive  gifts instead of coal..I know this personally..(don't ask!!) Anyway..here is a list of places in the area to meet "the man of the hour" Mr. Santa Claus himself..
Barrington Dec. 5th  Santa House on Park Ave
Barrington Dec.5-24th Icehouse Mall
South Barrington Dec 12th 10:15 South Barrington Park District ..he will arrive by Helicopter
Deer Park Brilliant Sky Toys & Book  Dec. 12,13,19 & 20th
Dundee Dec2-Dec 23rd Spring Hill Mall
Palatine Twin Lake Clubhouse  Dec 12th 9-1045am or 11:30-1:15pm Breakfast/Brunch w/Santa
Schaumburg Dec.2-Dec.23rd Woodfield Mall

Wishing you time with your family and friends...

Cheers,