Stop Procrastinating; Do It Now!

By John Boe


Whether it's filing your taxes on time, paying your bills, cleaning out the garage, or getting out of bed to exercise, everyone tends to procrastinate once in a while. It has been said that Robinson Crusoe is the only person to have all of his work done by Friday. Are you the type of person who tackles projects head on and gets tasks done right away, or do you tend to procrastinate and put things off? The habit of procrastination is an attractive form of self-sabotage and is the grave in which opportunity is buried.

Procrastination can take a toll on all aspects of your life and has a significant impact on your mental and physical health. The habit of procrastination brings with it a whole host of overwhelming, negative emotions such as increased stress, anxiety, guilt, fear, worry, depression, and low self-esteem.

Here are five proven tips to help you overcome the problem of procrastination and become more productive.

1. How do you eat an elephant? One bite at a time. You can keep yourself from feeling overwhelmed by breaking your project up into smaller, more manageable bite-size tasks. Develop a written plan of action and set realistic timeframes for the completion of each task. If you find that you're able to complete a task faster than you have planned, you will feel good about being ahead of schedule.

2. Be sure to allow plenty of time to finish each task. Once you have estimated how much time you will require to accomplish your project, schedule your work into short, thirty-minute blocks of time to keep you energized. If you do not need all the time you've allowed, you will be able to progress ahead of schedule.

3. Stay focused and avoid distractions such as talking to coworkers, checking your e-mails, playing computer games, answering phone calls, or surfing the Internet.

4. Make a commitment to accomplishing your project and hold yourself accountable. If you catch yourself thinking about not working on your project, remember the Nike motto and "Just Do It." Remind yourself of how good you'll feel when you've completed your project.

5. Become more efficient by multitasking whenever possible.
How many important projects or tasks on your "things to do list" keep getting put off because you have deliberately chosen to procrastinate? The good news is that procrastination is not a character flaw you were born with, but a habit that can be overcome with self-discipline and the determination to "Do it Now!"

"Much of the stress that people feel doesn't come from having too much to do. It comes from not finishing what they started."
- David Allen

John Boe presents a wide variety of motivational and sales-oriented keynotes and seminar programs for sales meetings and conventions.

For more information, visit www.johnboe.com.

Mortgage Rates Drop to Another 2011 Low

Mortgage applications decreased 2.6 percent from one week earlier, according to data from the Mortgage Bankers Association's (MBA) Weekly Mortgage Applications Survey for the week ending December 16, 2011.

The Market Composite Index, a measure of mortgage loan application volume, decreased 2.6 percent on a seasonally adjusted basis from one week earlier. On an unadjusted basis, the Index decreased 2.8 percent compared with the previous week. The Refinance Index decreased 1.6 percent from the previous week. The seasonally adjusted Purchase Index decreased 4.9 percent from one week earlier. The unadjusted Purchase Index decreased 7.5 percent compared with the previous week and was 6.9 percent lower than the same week one year ago.

The four week moving average for the seasonally adjusted Market Index is up 0.26 percent. The four week moving average is down 1.53 percent for the seasonally adjusted Purchase Index, while this average is up 1.32 percent for the Refinance Index.

"Continued anxiety surrounding the fragile economic situation in Europe led interest rates lower last week. However, refinance applications fell slightly, and purchase applications dropped further as we head into the end of the year," said Michael Fratantoni, MBA's Vice President of Research and Economics. "Remarkably low rates are not enough, as many homeowners continue to hold back due to lack of equity in their properties, poor credit and a weak job market."

The refinance share of mortgage activity reached a high this year of 80.7 percent of total applications from 79.7 percent the previous week. The adjustable-rate mortgage (ARM) share of activity decreased to a low this year of 5.1 percent from 5.6 percent of total applications from the previous week.

The average loan size of all loans for home purchase in the US was $217,774 in November 2011, up from $213,430 in October 2011. The average loan size for a refinance increased from $217,153 in October to $220,523 in November. The average government purchase loan size declined from October to November, from $186,263 to $170,742. The largest purchase loans were made in the Pacific region at $308,307. The largest refinance loans were also made in the Pacific region at $304,509.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($417,500 or less) decreased to 4.08 percent, the lowest rate this year, from 4.12 percent, with points increasing to 0.49 from 0.45 (including the origination fee) for 80 percent loan-to-value (LTV) ratio loans. The effective rate also decreased from last week.

The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $417,500) decreased to 4.44 percent, the lowest rate this year, from 4.47 percent, with points decreasing to 0.37 from 0.45 (including the origination fee) for 80 percent loan-to-value (LTV) ratio loans. The effective rate also decreased from last week.

The average contract interest rate for 30-year fixed-rate mortgages backed by the FHA decreased to 3.93 percent, the lowest rate this year, from 3.94 percent, with points decreasing to 0.63 from 0.68 (including the origination fee) for 80 percent loan-to-value (LTV) ratio loans. The effective rate also decreased from last week.

The average contract interest rate for 15-year fixed-rate mortgages decreased to 3.39 percent, the lowest rate this year, from 3.44 percent, with points decreasing to 0.40 from 0.52 (including the origination fee) for 80 percent LTV loans. The effective rate also decreased from last week.

The average contract interest rate for 5/1 ARMs decreased to 2.90 percent, the lowest rate this year, from 2.93 percent, with points decreasing to 0.46 from 0.53 (including the origination fee) for 80 percent loan-to-value (LTV) ratio loans. The effective rate also decreased from last week.

For more information, visit www.mortgagebankers.org.

Coldwell Banker Platinum Partners Helps Support Multiple Local Charities This Holiday Season

During Coldwell Banker Platinum Partners’ holiday charity drive, sales agents and staff from throughout the region spent much of November and December gathering donations to benefit a variety of charities. The Partners banded together with one common goal - to lend helping hands and make the holiday’s special for as many as possible.
“This is the third year that CBPP aimed to help as many charities as we could, in the past we focused on helping just one group, but this year we were fortunate enough to support The Marine Corps Toys for Tots, America’s Second Harvest Food Drive, the Angel Tree, numerous Adopt-a-Family, Child Abuse Prevention Association and Faithworks, to name a few,” said Connie Farmer Ray, president and CEO of Coldwell Banker Platinum Partners. The family-oriented company truly cares about giving back to their neighbors and communities. Throughout the Company’s service region, which spans from Beaufort, South Carolina through Savannah to St. Mary’s, Georgia, numerous boxes and bins were overflowing with contributions. Marine Staff Sergeant Ryan Frappier, who has helped facilitate Coldwell Banker Platinum Partners for the past four years in the annual Toys for Tots drive reminds us, “Everyone should realize how significant their donation actually is. It has sent a message to a needy child that someone cares, and that the magic of Christmas hasn't passed him or her by.”
“A heartfelt “Thank You” to everyone who helped to make a difference in so many people’s lives this Holiday Season,” said Connie Farmer Ray.

Consumer Concerns Stabilize: Home Price Expectations Improve

By Pete Bakel


Amid a spate of positive economic news during the November survey period, consumer sentiment appears to have stabilized from previous levels, with only incremental improvement in the deeply negative housing market sentiment witnessed this summer.

According to results from Fannie Mae's November National Housing Survey, home price expectations moved from negative to positive territory for the first time in six months, with respondents expecting home prices to increase by 0.2 percent over the next year. Overall, trends demonstrate that consumers are in a “wait and see” pattern as we move into 2012. This places consumer sentiment in line with Fannie Mae’s Economics & Mortgage Market Group’s November forecast of temporary economic improvement during the third and fourth quarters of 2011 leading into a slower economic growth path in 2012.

“Though their home price expectations have become slightly positive, consumers remain concerned about the direction of the economy and continue to view their household finances as being relatively flat,” says Doug Duncan, vice president and chief economist of Fannie Mae. “Most Americans expect no improvement in their personal financial situation in the next 12 months and will likely remain wary about undertaking the significant financial obligation associated with homeownership until their view of their income, expenses, and job security heads in a more positive direction.”

Twenty-two percent of respondents expect home prices to increase over the next year (up 3 percentage points since last month), while 22 percent say they expect home prices to decline, down 1 percentage point since last month. 53 percent say prices will stay the same, a 2 percentage point drop from October.
Results show that 33 percent of Americans say that mortgage rates will go up over the next 12 months, down 3 percentage points from October and a return to the level seen in September.

Additionally, 68 percent of respondents say it is a good time to buy a home (down by 1 percentage point since last month), and just 10 percent say it is a good time to sell, which is unchanged from the previous two months.

On average, Americans expect home rental prices to increase by 3.2 percent over the next year, a 0.1 percent decrease from October.

While just 6 percent expect a decline in home rental prices (unchanged since last month), 41 percent of respondents believe that home rental prices will increase in the next 12 months.

The survey also concludes that 32 percent of Americans say they would rent their next home, while 63 percent say they would buy, down 3 percentage points since last month and a return to the level seen in September.

Surprisingly, 66 percent of respondents say their income is about the same, the highest number ever to report this. Sixteen percent of those surveyed say their household income has increased over the past 12 months (down 2 percentage points since October) while 18 percent say that their income has declined significantly.

Fifty-four percent report that their expenses are about the same compared to 12 months ago (up 3 percentage points versus October). Eight percent say their household expenses have decreased over the past 12 months (down 3 percentage points since October), while 37 percent say their expenses have increased significantly.

For detailed findings from the November 2011 survey, as well as technical notes on survey methodology and the questions asked of respondents associated with each monthly indicator, visit the Fannie Mae Monthly National Housing Survey site.

The More You Know: Record-Breaking Year of Natural Catastrophes Changing How Homeowners Plan for Disasters

CoreLogic (NYSE: CLGX), a provider of information, analytics and business services, recently released its first ever Natural Hazard Risk Summary and Analysis detailing the record-breaking natural disasters that struck the United States in 2011. The report provides an analysis of significant hurricane, wildfire, tornado, flood and earthquake events, as well as a summary of potential risk in 2012 and the implications of unexpected changes in natural hazard frequency, intensity and geographic patterns.

Compiled by the CoreLogic Spatial Solutions business, the report provides an overview of the billions of dollars in property damage caused by these catastrophic events, while summarizing their structural, geographic and financial impact on the United States.

“Weather-wise, it has certainly proven to be a memorable year in the United States and around the world. In fact, the National Oceanic and Atmospheric Administration just released its total cost estimate of $52 billion and counting in damages resulting from natural disasters,” says Dr. Howard Botts, executive vice president and director of database development for CoreLogic Spatial Solutions. “Several major urban areas faced unexpected catastrophes in 2011, putting disaster readiness plans and emergency response teams to the test and causing severe damage in regions underprepared for unusual weather events. As a result, homeowners, insurers, government officials and even the news media have been forced to rethink the way they view, plan for and react to natural hazards.”

Among key findings, the CoreLogic 2011 Natural Hazard Risk Summary and Analysis report notes:

Hurricanes
• 2011 was the most expensive hurricane season for the U.S. since 2008.
• Though only three named Atlantic storms made landfall, Hurricane Irene, Tropical Storm Lee and Tropical Storm Don, they caused at least $8 billion in damages, primarily from flooding.
• Many risk experts feel it’s time to rethink national flood policies, especially in major metropolitan hubs like New York City.

Tornadoes
• The 2011 tornado season was the third most active since 1980, with 1,559 storms to date.
• The “2011 Super Outbreak” that occurred between April 25 and April 28 has been identified as the largest tornado outbreak ever recorded, with 336 confirmed tornadoes spread across the South, Midwest and Northeast of the U.S.
• Property, casualty and commercial insurers are now beginning to reevaluate risk for tornado damage well beyond the traditional geographic focus on “tornado alley” and adjacent areas.

Wildfires
• While the 2011 wildfire season continued the trend of having fewer but larger wildfires, there was a significant geographic shift in home losses over the past year from California, which had a cooler and wetter-than-average fire season, to the drought-affected states of Texas, New Mexico and Oklahoma.
• In May, the largest fire in Arizona history, the Wallow fire, forced thousands of resident evacuations and burned more than 469,000 acres.
• Texas and Oklahoma experienced a record number of wildfires. The Bastrop fire in Texas alone resulted in more than 1,600 homes and structures destroyed and 34,000 acres burned.
• Wildfire trends indicate that wildfire activity often follows a cyclical pattern of increase and decrease due to changing seasonal weather patterns. Based on this, parts of California are expected to see a dramatic increase in wildfire acreage next year.
• Persistent and intensifying drought conditions forecast for a large section of the U.S. for the coming year is expected to intensify and spread wildfire activity in early 2012.

Earthquakes
• The non-western U.S. earthquakes that occurred this year in Virginia and Oklahoma – events that startled many residents who believed earthquakes to be strictly a far western U.S. phenomenon.
• A 5.8 magnitude earthquake hit central Virginia on August 23, and was felt throughout the eastern seaboard. The tremors caused damage to several iconic local structures, namely the National Cathedral and the Washington Monument.
• In early November, Oklahoma experienced a series of low magnitude earthquakes, with a quake on November 5 registering a 5.6 magnitude, the strongest ever recorded in the state.

Flooding
• CoreLogic estimates flood losses in the U.S. this year at approximately $10.67 billion, based on various flooding and storm events recorded in the National Climate Data Center.
• The melting of an above-average snowpack across the northern Rocky Mountains, combined with abnormally high precipitation, caused the Missouri and Souris rivers to swell beyond their banks across the upper Midwest.
• Record-breaking rainfall in the Ohio valley in the spring and summer, combined with melting snowpack, resulted in historical flooding along the Mississippi River and its tributaries.
• The floods of 2011 heightened awareness of flood risk outside of the FEMA 100-year flood zones. There has also been an emphasized need to raise current flood protection standards for the critical and strategic infrastructures in the U.S.
• Based on the trend pattern, 2012 should not be an extreme flood year – in fact, there should be several more years before the next extreme flood loss year. U.S. flood loss in 2012 is projected at approximately $3.53 billion.

“The natural disasters felt throughout the country this year will undoubtedly shape the nation’s response to these events in 2012,” says Dr. Botts. “The catastrophes we experienced as a nation have already impacted and will continue to impact the policies, procedures and safety measures in place for many homes and businesses. The year 2011 was a year that informed the general understanding of risk and, hopefully, will lead to improved preparedness for years to come.”

CoreLogic generated findings for the first annual Natural Hazard Risk Summary and Analysis mining the company’s comprehensive parcel database and natural hazard risk analytics as well as data from the National Climatic Data Center and NASA.

For a complete copy of the CoreLogic 2011 Natural Risk Summary and Analysis Report, which includes maps, charts and images, visit http://www.corelogic.com/2011NaturalRiskSummary.

For more information visit www.corelogic.com

Prevent Home Fires This Holiday Season

With increased activity in the kitchen and heightened energy use to combat the cold, families are at greater risk of home fires during the winter holiday season. The Electrical Safety Foundation International (ESFI) is encouraging families and communities across the country to take simple precautions to ensure that this celebratory time of year does not result in a fire-related tragedy.

National Fire Protection Association (NFPA) statistics indicate that 30 percent of all home fires and 38 percent of home fire deaths occur during the months of December, January and February. Additionally, almost two-thirds of home fire deaths result from fires that occur in homes without working smoke alarms.

Many of these simple precautions seem like common sense, but are often overlooked due to the hectic nature of the holiday season. In addition to taking preventative measures like testing smoke alarms, it is critical that families create and practice their fire escape plan to minimize tragedy if a fire does occur.

Follow these basic safety guidelines to help protect your family, guests and home from holiday home fires:

-Stay in the kitchen when food is cooking. Unattended cooking is the leading cause of home fires in the United States.

-Keep children at least three feet away from cooking appliances. Never leave a child unsupervised while cooking or when an electric or gas stove is within reach.

-Keep towels, pot holders, curtains and other flammable items away from hot surfaces.

-With greater activity in and around your home comes increased energy use. Be careful not to overburden your electrical system.

-Keep space heaters out of high-traffic and exit areas, and at least three feet away from any combustible materials.

-Do not use space heaters in rooms where children are unsupervised.

-Turn space heaters off when you go to sleep or leave the room. Never leave a space heater unattended.

-Install smoke alarms inside each bedroom, outside each sleeping area and on every level of your home. Test smoke alarms once a month to ensure they are working properly.

-Make sure everyone in your family recognizes the sound of the smoke alarm and knows what it means.

-Plan for a fire emergency before it happens. Be sure to explain your family fire escape plan to overnight houseguests and babysitters.

For more information, visit www.holidaysafety.org.

Housing Update: Obama Administration Releases November Scorecard

The U.S. Department of Housing and Urban Development (HUD) and the U.S. Department of the Treasury recently released the November edition of the Obama Administration's Housing Scorecard—a comprehensive report on the nation’s housing market. Included in this month’s report are detailed assessments for the 10 largest mortgage servicers participating in the Making Home Affordable Program with results from the third quarter of 2011. In addition to providing greater transparency about servicer performance in the program, the servicer assessments—first introduced in June 2011 and published quarterly—are intended to set a new industry benchmark for disclosure around servicer efforts to assist struggling homeowners, while prompting them to correct identified deficiencies.

“The mortgage servicing industry lacked accountability and transparency when this crisis started,” says Treasury Assistant Secretary for Financial Stability Tim Massad. “Publishing these servicer assessments is key to our efforts to hold servicers publicly accountable for their performance and keep necessary pressure on them to improve. We've seen movement in the right direction, and we will keep this up so that the industry continues to change its ways.”

Since the inception of the Making Home Affordable Program, Treasury has required participating servicers to take specific actions to improve their servicing processes to more effectively assist struggling homeowners. The latest Servicer Assessments summarize performance on three categories of program implementation: identifying and contacting homeowners; homeowner evaluation and assistance; and program reporting, management and governance. For the third quarter of 2011, only JPMorgan Chase, NA was found to be in need of substantial improvement under the program. While JPMorgan Chase demonstrated some progress in areas reported for the third quarter, the servicer has a number of outstanding items from previous quarters that have not yet been addressed and play a critical part in their broader execution of the program. For these reasons, Treasury will withhold servicer incentives from JPMorgan Chase for the third consecutive quarter and will permanently reduce incentives owed to JPMorgan Chase unless the outstanding items are addressed before the next assessment.

Bank of America, NA was found to be in need of moderate improvement for the third quarter of 2011 but will continue to have its servicer incentives for previous quarters withheld. Although Bank of America has not yet remediated all of the areas previously identified as requiring substantial improvement from the previous quarter, it has made progress in addressing a number of items.

The assessments indicate that servicers have been focusing attention on areas identified through regular compliance and program reviews. For example, the error rate with respect to servicers’ calculations of homeowner income has declined from an average of 17.5 percent as of the first quarter of 2011 to 3.8 percent as of the third quarter (income calculation is used to determine eligibility and payment amount for the Home Affordable Modification Program (HAMP)).

As the Administration continues to push servicers to provide more effective assistance to struggling homeowners through its foreclosure prevention programs, the ongoing fragility of the housing market demonstrates the need for the Administration’s recovery efforts in hard hit communities. The November Housing Scorecard features key data on the health of the housing market and the impact of the Administration’s foreclosure prevention programs, including:

• The Administration’s recovery efforts continue to help millions of families deal with the worst economic crisis since the Great Depression. More than 5.4 million modification arrangements were started between April 2009 and the end of October 2011—including more than 1.7 million HAMP trial modification starts, more than 1.1 million FHA loss mitigation and early delinquency interventions, and more than 2.5 million proprietary modifications under HOPE Now. While some homeowners may have received help from more than one program, the total number of agreements offered continues to more than double the number of foreclosure completions for the same period (2.4 million). As of October, more than 880,000 permanent mortgage modifications have occurred through HAMP, with a median payment reduction for the homeowner of 37 percent.

• Eligible homeowners entering HAMP have a high likelihood of earning a permanent modification and realizing long-term success. Eighty-two percent of eligible homeowners entering a HAMP trial modification since June 1, 2010 received a permanent modification, with an average trial period of 3.5 months. Homeowners in HAMP permanent modifications have saved an estimated $9.4 billion to date.

Also featured this month is the Administration’s Housing Scorecard Regional Spotlight on market strength in Atlanta, Georgia and surrounding communities. The Atlanta metro area was one of the hardest hit areas in the nation following the housing market downturn and an area where the Administration’s broad approach to stabilizing the housing market has been very active.

“Despite growing evidence of progress in the broader economy, the housing data in this month’s Scorecard offer continued mixed signals and some signs of weakness in the market,” says HUD Assistant Secretary Raphael Bostic. “The Administration remains committed to helping all homeowners who have been hit hard during this housing crisis, and as the Regional Spotlight shows our efforts have helped over 135,000 families avoid foreclosure in Atlanta. But we have much more work to do to reach the many households who still face trouble and to help the market recover.”

The bi-monthly Housing Scorecard Regional Spotlight features data on the health of the Atlanta housing market and impact of efforts to help homeowners at the local level including:

• The Atlanta market is under pressure from a high percentage of distressed mortgages, deeply discounted foreclosed properties, low property values, and many severely underwater mortgages. Although the share of distressed mortgages in and around Atlanta—those 90 or more days delinquent, in foreclosure, or bank owned—has been above the national average since mid-2000, the local foreclosure crisis has generally mirrored that of the nation as a whole, with a significant rise in delinquencies and defaults among high-cost subprime loans beginning in 2007. Moreover, the home sales market remains sluggish in Atlanta as local home prices have shown signs of rebounding since early 2009, but remain at low levels not seen in more than a decade.

• More than 135,000 Atlanta households have received mortgage modifications, many through direct Administration programs. Since April 1, 2009 135,800 mortgage assistance interventions have been offered to homeowners in the Atlanta metropolitan area. More than 114,300 interventions were offered through HAMP and the FHA loss mitigation and early delinquency intervention programs. An estimated additional 21,500 proprietary modifications have been offered through HOPE Now Alliance servicers. While some homeowners may have received help from more than one program, more assistance has been offered than foreclosures completed during this period (92,800).

• The Administration’s Hardest Hit Fund and Neighborhood Stabilization Programs have fueled local foreclosure prevention efforts and market stability. Georgia has received more than $339 million through the Hardest Hit Fund to implement local solutions to borrower mortgage defaults and address the range of factors that contribute to a family's financial problems. Moreover, approximately $91.2 million has been awarded to seven jurisdictions through the Neighborhood Stabilization Program to help purchase or redevelop residential properties and address the effects of abandoned and foreclosed housing. In addition, the State of Georgia has received an additional $97 million toward neighborhood stabilization. Both programs have helped provide stability to the Atlanta housing market.

For more information, visit www.treasury.gov.

Consumers Expect Big Rent Hikes in 2012

By Steve Cook

Consumer sentiment on housing expectations is stabilizing as the year winds down and consumers are adopting a “wait and see” attitude towards 2012, according to Fannie Mae’s November National Housing Survey. However, on one front there is consensus: rents will rise significantly.

On average, Americans expect home rental prices to increase by 3.2 percent over the next year. Some 41 percent said rents will increase next year, 48 percent expect rents to stay the same and only 6 percent expect them to fall. The November numbers showed a slight retreat from October, when 43 expected rents to rise and 47 expected them to stay the same.

Consumer expectations for next year exceed the current level of rent increases. The average monthly rent for all categories, including apartments and single-family homes, was $846 nationwide in the third quarter, up 2.5 percent from the same period a year earlier, according to Local Market Monitor. Reis, Inc. data puts the third quarter increases at 2.3 percent year-over-year in the 80 plus markets it tracks. The National Association of REALTORS® forecasts multifamily rents to rise 3.5 percent next year, virtually what consumers expect.

Rising rents impact the homeownership markets in two ways. Monthly mortgage payments on the median priced home-including taxes and insurance-are increasingly falling below average rent levels. In 15 cities today, it is less expensive to rent than to buy, according to the Wall Street Journal. Higher rents also make investment purchases of residential properties more attractive. Increasingly, investors are buying to rent out properties for extended periods of time rather than selling.

Consumer home price expectations changed slightly in November, moving from negative to positive territory for the first time in six months, with respondents expecting home prices to increase by 0.2 percent over the next year.

“Though their home price expectations have become slightly positive, consumers remain concerned about the direction of the economy and continue to view their household finances as being relatively flat,” said Doug Duncan, vice president and chief economist of Fannie Mae. “Most Americans expect no improvement in their personal financial situation in the next 12 months and will likely remain wary about undertaking the significant financial obligation associated with homeownership until their view of their income, expenses, and job security heads in a more positive direction.”

Highlights:
• Twenty-two percent of respondents expect home prices to increase over the next year (up 3 percentage points since last month), while 22 percent say they expect home prices to decline, down 1 percentage point since last month. 53 percent say prices will stay the same, a 2 percentage point drop from October.
• Thirty-three percent of Americans say that mortgage rates will go up over the next 12 months, down 3 percentage points from October and a return to the level seen in September.
• Sixty-eight percent of respondents say it is a good time to buy a home (down by 1 percentage point since last month), and just 10 percent say it is a good time to sell, which is unchanged from the previous two months.
• On average, Americans expect home rental prices to increase by 3.2 percent over the next year, a 0.1 percent decrease from October.
• Just 6 percent expect a decline in home rental prices (unchanged since last month), while 41 percent of respondents believe that home rental prices will increase in the next 12 months.
• Thirty-two percent of Americans say they would rent their next home, while 63 percent say they would buy, down 3 percentage points since last month and a return to the level seen.

For more information, visit www.realestateeconomywatch.com.

Healthy Holidays: Seniors Need to Stay Active and Engaged

This holiday season, seniors and aging adults are urged to stay active in order to enjoy good health during this year's festivities. While nonagenarians, a person whose age is in the nineties, may not be able to go “dashing through the snow” as fast as they did in their youth, they can make an effort to see friends, do volunteer work, play a rousing game of Scrabble or even knit holiday sweaters for their nieces and nephews. Extra servings of pumpkin pie, however, are best avoided.

Each of those actions during the festive season can lead to a better quality of life for seniors, according to studies of elders in Okinawa, which boasts more centenarians per 100,000 people than anywhere else on Earth. To ensure older adults throughout North America can benefit from the findings of these studies, Americans should observe the five components of healthy longevity identified among the Okinawans:

Physical activity: Taking a walk after a hearty holiday meal is a good idea for those of any age, but it is particularly beneficial to seniors. Even aging adults who are less ambulatory can take part in some form of exercise, whether it is lifting their feet repeatedly while seated in a sturdy chair, or raising their arms skyward several times in a row.

Healthy diet: Comfort foods drawn from family or ethnic traditions are especially enjoyed by seniors during the holidays. However, the recipes for these dishes should be adapted to the palates and dietary needs of aging adults. Lean meats, such as turkey breast, are readily available during this time of year and serve as a healthy alternative to red meat for seniors. Also, limit the intake of sweets and desserts that accompany celebrations – except perhaps for antioxidant rich dark chocolate. Other “super foods” for seniors that are beneficial to include in holiday meals are blueberries, flax seed, carrots, eggs, nuts and salmon.

Sharp minds: While dementia and short-term memory loss are common among seniors, mentally-stimulating activities can help them delay, or possibly even prevent, the onset of these conditions. Designing holiday festivities around skill-based games, such as Scrabble, checkers, backgammon or Boggle, not only makes the event fun for party-goers, but these activities can also help seniors maintain cognitive function. Engaging in pattern-following crafts like knitting or needlepoint also stimulates the brains of older adults in ways that can help keep them mentally fit.

Social ties: Though the holiday season can bring back memories of lost loved ones, this time of year also offers numerous opportunities for seniors to engage with other people, whether through social gatherings, phone calls, email or greeting cards. Research shows that social ties keep people healthy by providing emotional support, limiting stress levels, and helping seniors maintain an irreplaceable level of independence. While group activities in family homes or senior centers can be the centerpiece of holiday celebrations, aging adults can also benefit from receiving a daily phone call or email because it helps them feel connected to those they care about.

Calmness and Purpose: For some seniors, participating in a religious service helps them maintain a calm center and focus on their life purpose, while others may prefer practices such as yoga or meditation. The holidays also offer ample opportunities for older adults to fulfill a purpose by volunteering at local organizations and nonprofits. Sharing personal stories or reading special holiday stories to younger family members and friends can also help seniors maintain a sense of connectivity to those around them.

For more information on how seniors can remain healthy and happy, visit www.homecareassistance.com.

Platinum Partners Help Pack the Pantry this Thanksgiving

Coldwell Banker Platinum Partners were excited to help SABOR (Savannah Board of REALTORS) fulfill their donations to America’s Second Harvest of Coastal Georgia, a local food bank, this Thanksgiving Season. The food bank was established in 1981 as a locally inspired volunteer-driven non-profit which serves twenty-one counties in southeastern Georgia to feed hungry people and strengthen communities (from the helpendhunger.org website).

Coldwell Banker Platinum Partners set a goal to fill 20 large containers between its three Central Region offices (Savannah, Pooler & Richmond Hill Offices) by 11/16. As Sonny Wright, the project coordinator for the Platinum Partners team, wrapped up the donation drive he was excited to see the team not only met their goals but exceed them. Sonny said, “I feel so privileged to be a part of Coldwell Banker Platinum Partners, not only a great Real Estate firm, but a Company who truly cares about their communities. In all we had over 35 people from our offices donate! We know that along with SABOR, we will have helped fill many plates and warmed hearts this Thanksgiving.”

For more information on this cause, America’s Second Harvest, please visit online at www.helpendhunger.org. For more information on Coldwell Banker Platinum Partners, please visit them online at www.MyCbpp.com.

MICHAEL MARK EARNS BROKER'S LICENSE

Connie Farmer Ray, President and CEO of Coldwell Banker Platinum Partners announced today Michael Mark has earned his Real Estate Broker's License.
"Michael, who is a specialist in both commercial and residential real estate, has been affiliated with Coldwell Banker Platinum Partners for 7 years," said Connie Farmer Ray, President and CEO at Coldwell Banker Platinum Partners. "Michael continues to exhibit the highest professional standards. He is dedicated to providing his clients with the highest levels of support available."
In addition to his Broker's License, Michael has earned many honors such as; e-PRO REALTOR, Voted Beaufort’s Favorite REALTOR by the readers of the Beaufort Gazette (2007, 2011).
Michael Mark currently resides in Beaufort, SC, and can be reached at 843.812.6023 or michael.mark@coldwellbanker.com.

Tips for a Happy and Efficient Move

One can never have enough moving tips. For those preparing to pack up their belongings and head to a new home, efficiency and ease are as important as ever. Although moving can be an exciting time, it can also be somewhat nerve-racking.

To make your move run smoothly, heed the following recommendations whether you are a homeowner or a renter:

1. Get rid of clutter. Two months before the date of the move, go through every room in the house and decide what items should not be moved. Donate or sell any clothes, furniture, or other items that are unwanted.

2. Start searching online for a moving company, if desired. There are many companies to choose from, so be sure to find a quality company and book early. Read as many reviews as possible and learn from others' mistakes.

3. Cancel and order utilities. Contact telephone, electric, gas, water, and other services to inform them of the move. By planning ahead, extra charges can be avoided and moving into a new home will be smoother.

4. Pack smart. Plan ahead when packing and use a moving checklist to stay on track. Get all the supplies beforehand, such as bubble wrap, boxes, tape and markers. Label boxes in detail with the room they go to and the contents. Pack unneeded items first and the most used items last. Have a couple of boxes of essentials that are easily accessible, which can include an alarm clock, change of clothes, toiletries, coffee maker, etc.

5. Safety first. Whether you are hiring a professional company or going at it solo, be sure to keep walkways clear, remove rugs, tripping hazards and low-hanging items. Ensure young children have a care provider and pets are kept safely away from loading and unloading areas.

6. Know what not to pack. Items such as pesticides, paint thinner, lighter fluid, and other dangerous chemicals should not be packed by professionals or in a moving truck. Valuables, irreplaceable items and important documents should be kept safe with the homeowner and moved in the truck cab, car or shipped with a tracking number.

7. Smile! This time can be more exciting than stressful with a positive attitude and a bit of preparation. Try not to stress and enjoy the excitement of your new neighborhood.

For more information, visit www.miamimovers.com.

Protect Your Belongings with Self-Storage Insurance

Whether you're in between moves or simply need the extra space, self-storage is a fantastic option for those who find they need to temporarily unload some personal belongings. To further protect your property, renters should look into and purchase storage insurance. At some facilities, it may not be an option. However, if you are not required to purchase it and think that your property is automatically safe, think again. Most times, if your property is worth seeking extra storage space for, it's worth insuring.

According to StorageFront.com, renters generally have three different options in terms of insurance:

1) Some homeowner's or renter's insurance may allow for additional coverage for your storage unit, however, you must check with the facility to ensure that they accept this type of coverage. When you go to rent your unit, proof of insurance will be required by the storage facility. Make sure to have that on hand.

2) Facilities may offer their own insurance premium ranging from $2,500 to $5,000. Although there may or may not be a deductible, rates may be higher and coverage lower compared to insuring through your homeowner's or renter's policy. Be sure to inquire about what types of damages are covered and if any items are excluded from the policy.

3) Independent self-storage insurance may be your best bet. Outside insurance companies may have a partnership with particular storage facilities, but oftentimes they operate independently. This type of insurance will insure higher-valued items and may protect against damage that other policies may not cover.

Though prices per plan vary, insurance typically runs $8 for $2,000 coverage; $12 for $3,000 coverage; and $20 for $5,000 coverage. Some providers may even provide coverage for 50% in case of burglary. (Taking pictures of all your items in the storage unit is highly recommended. If items are damaged during a burglary, snap photos of them as well along with a broken lock or a damaged door).

As always, it's best to understand whatever policy you sign up for. Make sure you acquire all of the details at the time of signing so that you can be prepared and knowledgeable in the worst case scenario that you need to put a claim in.

What You Need to Know When Buying Tech Gifts

When shopping for tech gifts this holiday season, purchasing quality, highly-rated products will help ensure your gifts will be enjoyed. But even the perfect gadget can present issues.

The experts at The Savvy Shopper Blog (www.thesavvyshopperblog.com) suggest researching in advance and purchasing service plans to protect your tech gifts. Here are their tips for a variety of popular items on the 2011 holiday checklist:

E-Book Readers and Tablets
Consider your loved one's preferences; do they wish to primarily read, play games, access email or social networking sites? Or would they prefer a device that can do all that and more?

Tablets and e-readers typically access the Internet via Wi-Fi, 3G or 4G networks, or a combination of Wi-Fi and a network. While e-reader models are offering more capabilities, tablets still reign supreme in terms of multi-functioning devices.

When determining whether you wish to gift a tablet or an e-reader, consider the price. Tablets typically run from several hundred dollars to $1,000, while e-readers start at less than $100 and run to several hundred.
For e-readers, consider either an e-ink or an LCD screen. E-ink screens mimic the appearance of printed ink on paper, while LCD screens use liquid crystals to display colors.

• E-ink -The e-ink screen image appears just like a printed page and can be read in bright light or sunlight. However, the pages appear in black and white and cannot be read in the dark.
• LCD screens -Bright and colorful, these lit screens can be read at night, but the screens can be difficult to read in bright light or sunlight, and some consumers believe the screens can tire or strain the eyes.
For tablets, keep in mind that most tech lovers have a preferred operating system, such as Apple's iOS or Google's Android. Also remember that storage size is important –if your loved one saves a great deal of photos and music files electronically, they will require more storage capacity.

Laptops
Size, weight, speed and storage are the most important elements to keep in mind when purchasing a laptop. For ample photo and music storage, purchase a computer with plenty of gigabytes. If your loved one streams videos, you'll need a fast processor and good speakers. Likewise, for video game use, make sure you have a quality graphics card.

While light-weight and small screen laptops are more portable, larger screens are better for video and gaming use. Models with built-in cameras and microphones are great for video chatting too.

Flat Screen TVs
Today, there are many options beyond size and picture, such as 3D technology and Wi-Fi capabilities. To get started, consider the following:
• Plasma screens -Plasma screens display a wide range of colors and a cleaner picture with fewer instances of motion blur while retaining faster refresh rates. However, the screens are made from glass and therefore reflect more light. When purchasing a plasma screen, look for a model with an anti-glare filter.
• LCD screens -These screens are lighter weight and come in a variety of sizes compared to plasma. They use less power and some models also feature LEDs, which illuminate the display and deepen blacks. But with the LCD, picture quality can be inferior, with slower refresh rates as well.

Video Gaming Systems
Each year, manufacturers continue to improve upon video gaming platforms. With so many games and accessories, it can be difficult to choose between gaming systems. Here are the top three:
• Xbox 360 -This gaming system features high-definition graphics and also plays DVDs and CDs, but users are required to subscribe and pay for online gaming.
• PS3 -With high definition graphics, this system also plays DVDs, CDs and Blu-rays as well, but it's priced higher than the Xbox, and if a user wishes to play PSOne or PS2 games, they must purchase an adapter.
• Nintendo Wii -While the graphics aren't as sharp and the system doesn't play DVDs, users can get up and move while virtually playing tennis, golf and other games, making this system much more interactive. In addition, this system is compatible with the GameCube.

Protection –The Extra Gift
Consider purchasing a replacement or service plan to protect your electronic gift. It's important to know the difference between the two standard types of product warranties:

Limited Manufacturer Warranty
• Generally comes standard with your product purchase. However, this type of warranty will only cover a problem with the product considered a "manufacturer's defect;" not products that fail from wear and tear; heat, dust and humidity; or accidental damage.
• Basic protection is limited, typically 90 days to one year.
• Manufacturers have been reducing the duration and scope of what they cover. Parts and labor may be split, so you could find yourself paying out of pocket.

Extended Service Plan (or "Extended Warranty")
• Builds upon the manufacturer's coverage.
• Provides for coverage due to defects in materials and workmanship, including those due to normal wear and tear and environmental factors like heat, dust and humidity and, in some cases, accidental damage from handling.
• Coverage ranges from two to five years.
• Due to the "no lemon" clause of many extended warranties, if your gift cannot be fixed, it will simply be replaced with a new product or gift card for the value of your purchase.
• Can provide support 24 hours a day, every day of the year, including holidays.

To learn more about protection plans, visit www.newcorp.com.

Home Decor Color Forecast for the 2012-2013 Season

Is repainting the interior of your home on your to-do list for the new year? For the 2012-2013 season, homeowners are predicted to take the leap into deep and vivid hues this year, according to PPG Porter Paints' Insider's Color Guide. They'll go for colors that stir the senses and set them in motion. Their choices will be the vibrant, optimistic colors that pack a punch and can't be ignored. Their spaces will be full of strong contrasts – heavy and weightless, shadow and light, hot and cold. Bold colors that help them stand out in a crowd and showcase their individual personality.

If you're shopping for paint to update your home décor, one of these four new color palettes may just fit your taste and lifestyle:

Local Revival
This trend is about unplugging from a complicated life and living more simply and in harmony with one's community. Materials are strong and honest classics: leather, wood, aged metal. Design forms are simple and familiar; antique-industrial and retro-mechanical. Folkloric patterns tell the stories of generations. The palette is a mix of red berries, stone gray and solid brown refreshed by a creamy white.

Beauty Queen
This palette speaks to the unapologetically confident. It's the return of glam with a disco sophistication. It's high-intensity color that can turn light and airy on a dime. Lush and mysterious, soft and fresh – the built-in contrasts sensation-seekers want. Ultra-slick surfaces like Lucite and mirrors capture the best spirit of the 70s. Sharp fuchsia pink and juicy purple are softened with cosmetic pink and freshened with this year's brighter teal and white.

Quiet Tech
It's impossible to unplug without a place to escape to, so minimalism is the foundation of this trend. Rooms have visual interest without complication. Details and embellishments are kept to a minimum. Pale and mid-tone wood tones don't overpower the space. Shapes are rounded and tactile to keep rooms from feeling barren or cold. In the palette, ink blues play with earthy and calming neutrals.

Deco Candy
Bringing together vibrant colors and fun design, Deco Candy transforms a home into an intensely joyful playground. A vivid harmony of citrus accented by this year's bright blue, clean green and tangerine, the color scheme is irresistibly optimistic. Stripes and color-blocking bring a sense of organization to what could otherwise be too boisterous a spectrum of hues.

For more information about choosing the right color scheme for your home, visit www.voiceofcolor.com.

Thanksgiving Decorating Made Simple

By Nick Caruso

Thanksgiving is a relaxing holiday based solely around food and gratitude. A nice decorative atmosphere would enhance the dining experience as you and your guests are enjoying mouthfuls of turkey, yams and stuffing. Decorating for Thanksgiving doesn't have to be difficult or expensive. With these simple and affordable tips, you can give your home a festive, fall look that everyone will enjoy.

Bold fall colors should be used as much as possible when making any decision regarding décor. Use many of the same colors as some of the traditional food you'll be serving. Yellows, oranges, browns and reds set the perfect tone for any fall-themed meal. Try incorporating them any way you can, including placemats, serving utensils and dishes. A colorful centerpiece would also work nicely for your holiday table.

Go outside and get inspired. The autumn season is all around us, so go outside and look around. Brightly colored leaves, berries and pinecones are just a few examples of items that could be garnered for decoration. Fill a large vase with some of these natural beauties for a decorative centerpiece. Things like pumpkins and hay bales also make great indoor and outdoor decorations. Use them sporadically for that extra fall feel.

For those with eager children, a fall garland can be a fun project to get them involved. Use red and orange leaves, or even use construction paper for cut-out turkeys or pumpkins. This will not only decorate your home, but keep the children occupied while you get some cooking and cleaning accomplished.

Thanksgiving-themed towels, pot holders and candles are also great ideas. Hand towels in bathrooms can carry the theme outside of the kitchen, while sweet smelling candles can do the same for dining or living rooms. A few bottles of red wine can also add to any autumn-colored display or centerpiece.

With all of that cooking to do, you may not have time for complicated and time-consuming decorating. With a little creativity and these fun and festive tips, you can create a wonderful atmosphere for you and your family.

MBA Welcomes Changes to HARP

David H. Stevens, president and CEO of the Mortgage Bankers Association (MBA) issued the following statement in response to the recent announcement of changes to the Home Affordable Refinance Program (HARP).

"The mortgage industry welcomes these changes designed to help more underwater borrowers who are current on their mortgages refinance at today's historically low interest rates. Not only will these changes allow more borrowers to qualify, but they will streamline the process and reduce the cost to borrowers and should lessen risk for Fannie Mae and Freddie Mac.

"Lenders are particularly gratified that the refinements will provide relief from some representations and warranties that lenders face when originating new loans. These changes alone should encourage lenders to more actively participate in HARP.

"Borrowers need to be aware that these changes will not be implemented overnight. Lenders likely won't receive specific guidance and operational details from the regulators for a couple of weeks, after which it will take a bit of additional time for lenders to implement them. Therefore we ask borrowers for patience as the changes are put into practice.

"While ultimately helpful, these changes are not going to be a silver bullet to solve all the issues facing our housing market and borrowers who owe more on their mortgages than their homes are worth. But they will offer lenders another tool to help borrowers and hopefully help bring some stability to housing markets, particularly those most impacted by home value declines."

For more information, visit www.mortgagebankers.org.

Make Sure Your Pets are Ready for Winter

With the colder weather settling in, it’s time to take some time to get your pets settled in for the winter. Even if your cat or dog is normally an outside pet, winters can be especially tough.

“Just like people, pets can get hypothermia,” warns Nancy Peterson of The Humane Society of the United States. “We recommend keeping your cat indoors all the time.”

In addition, most dogs are safer indoors, except when taken out for exercise. Regardless of the season, shorthaired, very young, or old dogs and all cats should never be left outside without supervision. Short-coated dogs may feel more comfortable wearing a sweater during walks.

If you choose to leave your dog outdoors, even during part of the day, make sure that there is a dry, draft-free doghouse that is large enough to allow the dog to sit and lie down comfortably, but small enough to hold in his/her body heat. The floor should be raised a few inches off the ground and covered with cedar shavings or straw; any bedding should be moisture resistant. The house should be turned to face away from the wind, and the doorway should be covered with waterproof burlap or heavy plastic. Provide plenty of food and make sure water is unfrozen and in a plastic dish.

There are dangers other than cold, as well. For instance, warm engines in parked cars attract cats and small wildlife, who may crawl up under the hood or wheel well. To avoid injuring any hidden animals, bang on your car's hood to scare them away before starting your engine. The salt and other chemicals used to melt snow and ice can irritate the pads of your pet's feet, and automobile antifreeze is a deadly poison, but it has a sweet taste that may attract animals and children. Wipe up spills and store antifreeze (and all household chemicals) out of reach. Better yet, use antifreeze-coolant made with propylene glycol; if swallowed in small amounts, it will not hurt pets, wildlife, or your family.

Colder temperatures are on their way! Make sure your family and its pets are prepared.

Homeowner Alert: Receive Compensation for Foreclosure

The Federal Reserve Board recently announced that borrowers who believe they were financially harmed during the mortgage foreclosure process by four institutions in 2009 and 2010 can now request an independent review and potentially receive compensation.

Four large mortgage servicers supervised by the Board—GMAC Mortgage, HSBC Finance Corporation, SunTrust Mortgage, and EMC Mortgage Corporation —are required to conduct this program as part of their compliance with enforcement actions issued by the Board in April 2011. Under these actions, servicers are required to compensate borrowers for financial injury resulting from deficiencies in their foreclosure processes. A number of servicers supervised by the Office of the Controller of the Currency must also conduct the program.

As mandated by the Federal Reserve's enforcement actions, the four servicers were required to retain independent consultants approved by the Federal Reserve to conduct the reviews. Borrowers are eligible for a review if their primary residence was in the foreclosure process in 2009 or 2010, whether or not the foreclosure was completed. The review is intended to determine if those borrowers suffered financial harm directly resulting from errors, misrepresentations, or other deficiencies. The Federal Reserve will monitor the implementation of the program and the servicers' outreach efforts.

To apply for a review, individuals may call 888-952-9105, Monday through Friday from 8 a.m. to 10 p.m. (ET), and Saturday from 8 a.m. to 5 p.m. (ET). Individuals can get more information about the review through a website created by the servicers, www.IndependentForeclosureReview.com. In addition, the servicers will conduct an advertising campaign and send letters to borrowers who may be eligible to participate in the review to provide information.

Requests for review by the servicers' independent consultants must be received by April 30, 2012. Borrowers are encouraged to carefully consider the information about the review program to determine if they should participate. There are no costs associated with being included in the review.

In addition to conducting the reviews generated by this outreach program, the independent consultants retained by the servicers supervised by the Federal Reserve will separately review all cases in certain categories of foreclosure actions by the servicers to determine whether borrowers suffered financial injury.

These categories include members of the military who were in the mortgage foreclosure process in 2009 or 2010 who were covered by the service members Civil Relief Act and borrowers who had previously filed complaints with the servicers about foreclosure actions that were pending during 2009 or 2010. Borrowers who previously filed complaints with these servicers about foreclosures pending during the review period also may seek independent reviews of their foreclosures.

The enforcement actions issued by the Federal Reserve in April also require the servicers to correct other deficiencies in residential mortgage loan servicing and foreclosure practices going forward. Under the plans, among other things, servicers must specify a single point of contact for certain borrowers who are having difficulty paying their mortgages, ensure that foreclosures are not pursued when a borrower is performing on a loan modification, and establish robust controls and oversight over their third-party vendors.

As previously stated in April, the Federal Reserve believes monetary sanctions in these cases are appropriate and plans to announce monetary penalties. These monetary penalties will be in addition to the compensation provided to borrowers in the independent review process.

For more information, visit www.federalreserve.gov

Buyer's Seminar November 15th!

Coldwell Banker Platinum Partners will be holding a Buyer’s Seminar Tuesday, November 15th at 6:00 pm at its Beaufort Office located at 1211 Boundary Street. The seminar will teach the advantages of buying in today’s real estate market and attendees will leave the seminar understanding the differences between short sales and REO opportunities. For more information or to RSVP for this informative event, please call 843.986.2444, email debbie.barrett@mycbpp.com or visit http://www.MyCbpp.com.

Wendy Burchfield Earns ABR Designation

Coldwell Banker Platinum Partners is proud to announce that Wendy Burchfield of the Bluffton/Hilton Head Island Office has earned the Accredited Buyer Representative (ABR) designation.

The Accredited Buyer Representative (ABR®) designation is the benchmark of excellence in buyer representation. This coveted designation is awarded to real estate practitioners by the Real Estate Buyer's Agent Council ("REBAC") of the National Association of REALTORS® who meet the specified educational and practical experience criteria.

“We are very proud of Wendy as she continues to demonstrate exceptional performance in client services for which Coldwell Banker professionals are known. She is a true asset to our organization,” said Connie Farmer Ray, President and CEO of Coldwell Banker Platinum Partners.

Wendy Burchfield may be reached at 843-816-3050 or at www.coldwellbankerplatinum.com/wendyburchfield.

COLDWELL BANKER PLATINUM PARTNERS JOINS THE MARINE CORPS RESERVES IN TOYS FOR TOTS!

Coldwell Banker Platinum Partners, the region’s largest real estate company, is joining forces with the Marine Corps Reserves to collect toys for needy children throughout the region. The Toys for Tots campaign provides new toys for disadvantaged children to send a message of hope during this holiday season.

New, unwrapped toys can be dropped off at any of our office locations through December 16th. Please help by donating a toy in order to provide a brighter Christmas for a child in need. When you donate a new, unwrapped toy to this program, you give much more than a gift. You give hope, love, and joy to a child who might otherwise not receive the true meaning of the holiday – someone who cares. Please give in true recognition of the season – please give from your heart.

For more information on how you can help, please contact the local office closest to you!
Beaufort: 843.986.2444, Bluffton: 843.705.2000, Midtown Savannah: 352.1222, Pooler: 330.8330, Richmond Hill: 756.9727, Brunswick: 912.267.0054 or St Simons Island: 912.634.0404 or visit MyCbpp.com.

Coldwell Banker Platinum Partners, established in 1995, is a full-service real estate firm with more than 100 sales agents strategically dispersed among its office locations stretching from Beaufort, South Carolina, through the greater Savannah area to St. Simons Island, Georgia. The company was founded by Connie Farmer Ray, president and CEO of Coldwell Banker Platinum Partners. In addition to listing and selling residential real estate, Coldwell Banker Platinum Partners’ other divisions include commercial real estate, property management, relocation services, new homes, a real estate school, mortgage lending, and a publishing/media division. The company’s corporate offices are located at 6349 Abercorn St., Savannah, Georgia. For more information visit their Web site at www.MyCbpp.com or call 800.505.8111. ###

Coldwell Banker Platinum Partners Honors 3rd Quarter Circle of Excellence Winners

Coldwell Banker Platinum proudly announces its Circle of Excellence Winners who not only represents our sales leaders, but associates who truly support their company and fellow agents.

The Circle of Excellence is a Coldwell Banker Platinum Partners internal awards program established to recognize well-rounded agents. In order to be inducted into the Circle of Excellence an agent must either be one of the top three in the company or meet the minimum point requirements in the following categories – production, participation and company support. Points are earned based on activities within each category.

A very special congratulations to: Dee Dee Covington (Life Charter Member); Steffany Farmer, Jane Beare and Jeff Shaufelberger (2010 Charter Members), Angie Aimar, Annette Bryant, Michael Cherry, Charles Gilyard, Dana Hill, Jenny Hearn, Marie Houben, Lyn McCuen, Renee Meyer, Wendy Reed, Karen Thomas, Don Varnadoe and Vivian Whitfield.

Coldwell Banker Platinum Partners Celebrates National Recognitions and Top Ranked Associates

Coldwell Banker Platinum Partners was recently recognized for its 3rd quarter of 2011 ranking as a Top 50 Company Nationwide in the Coldwell Banker franchise system. Coldwell Banker Platinum Partners Savannah office also ranked #2 for Selling Units, #8 for Total Units and as a Top 10 Office for Adjusted Gross Commission for the 3rd quarter of 2011 in the Coldwell Banker franchise system.

Additionally, the Coldwell Banker Platinum Partners Agents received recognition for their efforts during the 3rd quarter of 2011.

South Carolina:
Annette Bryant of Coldwell Banker Platinum Partners ranked as a Top 10 Associate for the 3rd quarter of 2011 in South Carolina for the Coldwell Banker franchise system in the Selling Units Category.
The DJV Group of Coldwell Banker Platinum Partners ranked as Top 10 team for the 3rd quarter of 2011 in South Carolina for the Coldwell Banker franchise system in the Adjusted Gross Commission, Total Listings and Listing Units Categories.

Georgia:
Jane Beare, Mike Cherry, Dee Dee Covington, Aaron Hoffman, Marie Houben and Lyn McCuen of Coldwell Banker Platinum Partners ranked as Top 10 sales associates for the 3rd quarter of 2011 in Georgia for the Coldwell Banker® franchise system. The Steffany Farmer Team and the Boyd-DuBose ranked as a Top 10 teams for the 3rd quarter of 2011 in Georgia for the Coldwell Banker franchise system.
Dee Dee Covigton ranked as #6 and Jane Beare ranked as #8 Top Sales Associates in Georgia for the Adjusted Gross Commission Category. Mike Cherry ranked as #1, Jane Beare ranked as #5, Marie Houben ranked as #7, Lyn McCuen ranked as #9 and Aaron Hoffman ranked as #10 Top Sales Associates in Georgia for the Selling Units Category. Mike Cherry ranked as #2 Top Sales Associate in Georgia for the Total Units Category and also as #10 for the Listing Units Category. The Steffany Farmer team ranked as a Top 10 Team in Georgia: #5 in the Adjusted Gross Commission Category; #5 in the Selling Units Category; #4 in the Total Units Category and #3 in the Listing Units Category. The Boyd-DuBose Team of Coldwell Banker Platinum Partners Brunswick Office ranked as a Top 10 team for the 3rd quarter of 2011 in Georgia for the Coldwell Banker franchise system in the Selling Units Category.

“Coldwell Banker Platinum Partners associates and offices exemplify the standards of excellence for which Coldwell Banker is known,” said Frank Lindsey, Southern Region director for Coldwell Banker Real Estate, LLC. “It is an honor to recognize the agents and the offices with these exceptional awards.”

To contact these award winning agents, please call 800.505.8111 or visit MyCbpp.com.

Angie Aimar and Dana Hill of Coldwell Banker Platinum Partners Earn Designations

Coldwell Banker Platinum Partners is proud to announce that Angie Aimar and Dana Hill of the Brunswick Office have earned the Accredited Buyer Representative (ABR) and Seller Representative Specialist (SRS) designations.

The Accredited Buyer Representative (ABR®) designation is the benchmark of excellence in buyer representation. This coveted designation is awarded to real estate practitioners by the Real Estate Buyer's Agent Council ("REBAC") of the National Association of REALTORS® who meet the specified educational and practical experience criteria.

The Seller Representative Specialist (SRS) is the premiere seller agency designation, conferred by the SRS Council, recognizing real estate professionals who have completed special education in seller representation.

“We are very proud of Angie and Dana; they both continue to demonstrate exceptional performance in client services for which Coldwell Banker professionals are known. They are both true assets to our organization,” said Connie Farmer Ray, President and CEO of Coldwell Banker Platinum Partners.

Angie Aimar and Dana Hill may both be reached at the Coldwell Banker Platinum Partners Brunswick Office located at 901 Glynn Isles Market, 912.267.0054 or at www.MyCbpp.com.

Paul Taylor of Coldwell Banker Platinum Partners Awarded Real Estate’s Prestigious 203k Specialist™ Designation

Coldwell Banker Platinum Partners is proud to announce that Paul Taylor has completed the real estate industry’s most comprehensive training in the use of the U.S. Government’s FHA 203k Home Purchase and Renovation Loan program. With this designation, Paul Taylor becomes a member of REbuildUSA, a nationwide organization of real estate, lending and home improvement professionals, working in partnership with Lowe’s, is dedicated to helping more Americans achieve the dream of home ownership, improving our communities and contributing to the health of our economy.


“The FHA 203k Renovation Loan offers tremendous opportunities for many Americans to enjoy great prices on homes today,” explains Paul Taylor, “yet there is very little awareness of this program and the power it offers in our current economy.”

REbuildUSA was established with the mission of creating more awareness of the opportunities offered by the FHA 203k program, while at the same time, simplifying the process for all involved. As REbuildUSA’s home improvement partner, Lowe’s assists in identifying the scope of work and relative costs and then coordinates the actual renovation activities through its nationwide network of licensed installers.

“My 203k Specialist™ designation training positions me to provide professional guidance to those who would like to locate a great home in a great neighborhood to be renovated to meet their needs. These are the homes offered at the most competitive prices. Additionally, as a member of REbuildUSA, I can help my buyers more easily navigate the process of planning, securing loan approval and completing the home improvements.”

203k Specialists are also trained to bring a strong competitive advantage to home sellers by more effectively marketing their homes to a wider audience. The REbuildUSA List Assist program provides visualization tools and cost estimates allowing prospective buyers to better recognize the value of an available property, and the 203k Specialist can then help them put the power of the FHA 203k to work in purchasing and renovating the home.

“I’m excited to have more of our associates earning this designation and supporting the mission of
REbuildUSA,” explains Connie Farmer Ray, President and CEO of Coldwell Banker Platinum Partners. “Knowledge is power, and I believe this program really sets our people apart when it comes to helping home buyers and sellers make the most of the excellent opportunities in today’s market.”

Paul Taylor has been active in real estate sales for 37 years and works in the Chatham, Effingham and Bryan County areas. He also holds designations such as Distressed Properties Professional, Short- Sale Professional Agent, Short Sales and Foreclosure Resource, Certified New Home Sales Professional and HUD Registered Agent. Paul is recognized as a wonderful resource for real estate related information by his peers, Investors and potential Homebuyers. He can be reached at 912-660-3478 or 912-330-8330.

REbuildUSA is based in Newport Beach, California. To learn more, visit www.rebuildusa.com or call 877.USA.203k.

Paul Dunkle Joins Coldwell Banker Platinum Partners as Regional Sales Manager in Savannah

Paul Dunkle has joined Coldwell Banker Platinum Partners as the Regional Sales Manager for the Company’s Midtown Savannah, Richmond Hill and Pooler offices. He joins Coldwell Banker Platinum Partners because, “…this is an opportunity to join one of the finest Coldwell Banker companies in the United States! Coldwell Banker Platinum Partners is recognized globally and locally and has a long-standing tradition of providing excellent services. Our commitment to customer satisfaction is exceptional and the opportunities for sales associates to succeed cannot be surpassed. I’m so glad to be a Platinum Partner!”
"Paul has a wealth of experience in the real estate industry; his knowledge, ambition, spirit, and skills are immediately identifiable. Paul will be a terrific complement to our team and he is sure to be a great fit for our Platinum family," says Connie Farmer Ray, President and CEO of Coldwell Banker Platinum Partners.
Paul was licensed in Pennsylvania (for four years), South Carolina (for seven years) and just relocated to Georgia to join the Platinum Partners team. He earned his BS and MS in Biological Sciences and started his career as a Nuclear Medicine Technologist in West Virginia and then worked as a Research Administrative Manager for the Department of Human Genetics at Allegheny University. Paul’s real estate career started when he joined Coldwell Banker in Pittsburgh. He relocated to Coldwell Banker United in Charleston, SC, where he then became Director of Relocation. Paul’s professional memberships include National Association of REALTORS (NAR), South Carolina Association of REALTORS (SCAR), Georgia Association of REALTORS (GAR), Savannah Board of REALTORS (SABOR) and Charleston Multiple Listing Service (CTARMLS). Paul enjoys volunteering as well; he spends time with The Crisis Ministries of Charleston, SC (which is a non-profit homeless shelter) and Habitat for Humanity.
Paul is excited to support each of his REALTOR’s unique needs and individual goals, “From the experienced agents to the newly licensed, I am committed to helping our associates achieve success and address their needs and wants from budgeting, time management, marketing, and training to everyday business activities and everywhere in between.” He continues, “Coldwell Banker offers cutting-edge training and some of the best and highly-recognized tools in the real estate industry. These building blocks help our Associates create a solid foundation to grow their business exponentially. We at Platinum Partners take this one step further with our high-tech focus and our commitment to our consumers, as well as our Sales Associates.” Meet Paul at 912.352.1222 or email him at paul.dunkle@mycbpp.com.

Care for Your Valuable Trees This Fall, Enjoy Gorgeous Foliage in Spring

Now is the time of year to ensure that the beautiful trees in your yard will remain healthy and produce a vibrant, green canopy come springtime by treating them against insects, fungus and diseases. If trees are not cared for, these pests can cause your trees to look sick and possibly die next year. The removal and replacement of a mature tree is an expensive proposition for homeowners, easily costing over $1,000 per tree.



Consider this: the Emerald Ash Borer beetle has destroyed over 30 million ash trees to date in the United States and Canada. The larvae from these pests cause the most damage to ash trees from August to October, when they are the most active and voracious. Pine Bark Beetles have multiple generations and can kill a tree within weeks. In 2010 alone, the Southern Pine Beetle, a bark beetle smaller than a grain of rice, killed 14,000 acres of pines in New Jersey. Spiraling Whitefly is causing visible damage to trees and property—especially car paint and outdoor furniture-- throughout Southern Florida due to the sticky honeydew it produces. Unsightly black sooty mold later grows on the honeydew, causing further annoyance to homeowners. Fungal diseases like Oak Wilt and malnutrition weaken a tree, reducing its chances of winter survival.

Tree treatment options are plentiful, but not all are suited to fall's cool, wet conditions. Tree trunk injection is proven effective to protect trees in autumn from destructive insects, diseases and malnutrition that are wreaking havoc across the country. The appropriate treatment formulation is injected directly into a tree's vascular system and is effective within a few short weeks. Unlike bark spraying and soil drenching, nothing is released into the air or soil during treatment when tree trunk injections are used. The active ingredient keeps working through the tree's vascular system into the spring, providing continued protection as trees begin to produce leaves. There is even one injectible treatment available that protects trees against insects for up to two years and can stop damage even if a tree is currently under attack.

Choosing to save trees by treating them is something financially and environmentally responsible that homeowners can consider right away. Professionally applied tree trunk injection treatments cost a fraction of the cost of tree removal and replacement, typically less than a month of cable television service. In addition healthy, mature trees provide shade, which helps reduce air conditioning costs.
In addition to treating trees, removing dropped fruit, dead branches and leaves from around your trees in the fall will help further protect them from pests.

To learn more about tree trunk injections please visit www.arborjet.com.

5 Real Estate Trends to Watch for

If the housing market were human, it would look like it just wrestled a few alligators after running an obstacle course through a snake pit.

The market is beaten and bruised, but still emerging from the recession, which is why Greg Rand, a real estate veteran and author of Crash Boom! from Career Press, wants people to know about five new trends that could help them beat the housing blues.

"The market is made up of buyers and sellers," Rand says. "It's just people who are trying to figure out how to buy low and sell high. The secret to making sure your real estate doesn't turn into a money pit is to watch the trends so you can predict where the prices will rise and where they won't."

Rand's five trends to watch include:

Short-Term Pain - Show me a market where home prices are back to 2002 levels, and I will show you a market that is overcorrecting.

Overdevelopment - One of the reasons the market is overcorrecting is overdevelopment and speculation, as is the case in Florida. Another reason is that the job base has eroded, like in Detroit. Isolated, explainable, short-term distress is the secret. Find your Florida.

Jobs, Jobs, Jobs - Track employment trends to see where companies are moving, and you will see a harbinger for long-term housing demand.

Lifestyle - Nothing drives migration patterns long-term more than the pursuit of happiness. Look at climate (the Carolinas), leisure trends (Colorado) and cost of living (Texas) for triggers on where the market may shift.

Responsible Government - Look at the state government. Does the state and city in question reward or punish risk-takers? Are you likely to suffer if you succeed there? If so, find somewhere that appreciates entrepreneurs. There's nothing worse than putting your money on the table, only to have it redistributed.

Greg Rand is the CEO of OwnAmerica, a regular Fox TV news contributor, host of Rand on Real Estate on 77 WABC Radio, popular media commentator and author of Crash Boom! from Career Press.

Life-Saving Apps for Natural Disasters

In cases of tragic and unforeseeable natural disasters, mobile technology has been increasingly helpful with communication. With cell phones and mobile applications abound, this technology has aided in activating relief efforts and saving lives in situations where lack of Internet or power outages have affected a majority. Here are a few examples of mobile applications you can use to continue communicating in times of need.

Signal
With the Signal application, users can combine mobile, social and email right into a single platform. During Hurricane Irene, some utility companies used Signal to further communications about power outages, going so far as even allowing its customers to opt-in for SMS updates regarding the current situation. Receiving up-to-date information during a hurricane became crucial for those without power who were cut off from the world temporarily. With text, emails and social media combined, the possibilities for advanced communication are endless.

Life360
Life360 allows users to set up private networks that allow each other to announce their location with the click of a button. Ideal for families, Life360 quickly and efficiently delivers messages throughout each private network so members can alert others that they are safe in an urgent situation.

After setting up, users simply launch the application and “Check In”—notifying your contacts of your location and safety status. For extended use, background tacking allows members to continuously share their locations with one another. In addition, a panic alert feature lets others know where a user is located and that they need immediate help. With features like these installed into a mobile device, no one is ever beyond help during a hurricane or other natural disaster.

Plerts
Plerts (short for “personal alerts) is a free app that captures image and audio from your mobile every 8-10 seconds, transmitting the data and GPS coordinates to Plerts servers. In the case of a natural disaster, users can hit an SOS button and all of the data gathered is then immediately sent to an emergency contact list, providing them with all the information necessary to help you.

Plerts can also record an automated message and deliver it immediately. If your battery dies on your cell phone, you can still get through to your contacts. Or if a cell network crashes, your location and recordings will be sent out the second the network comes back up.

In some cases, using one of these apps could be the difference between life and death. If a hurricane or other disaster is heading your way, or just to enforce a level of preparedness, have your family download one of the above applications. You may be glad you did.

Source: Mashable

Is Your Loan Modification Application Stuck?

If you’re on the verge of losing your home, or you know someone who is, then you also know about the long, bureaucratic process involved in applying for a loan modification from a lender. The most common approach is to apply under the new Home Affordability Mortgage Program (HAMP), but lenders also accept modifications from mortgage holders because lenders really don’t want to take the house—they just want their money. In many cases, however, the approval process takes longer than many homeowners can afford. But one expert believes it doesn’t have to be that way, and that there are solutions for homeowners whose applications seem stuck in the mud.

“Applying for a loan modification can be an extremely stressful process,” says Stephfan Nurse, CEO of Consumer Education—the makers of software designed to educate people about the modification process.

“Even if you send in your documents and your lender tells you everything is okay, you may still have a great amount of anxiety because you have no idea what the lender is doing with your file. You may not know what the next step is and how long it takes to move through each step in the process. There are reasons, however, why the process can get stuck, and there are ways to move that process along, if you understand what goes on behind the scenes.”

Nurse’s tips for making the process smoother include:

• Account Numbers – It often happens that when you fax your paperwork to your lender, the lender either says they lost your paperwork or they just didn’t receive it all. This isn’t because they are incompetent. It’s because they receive thousands of faxes each day, and they use an image scanning technology to capture them all and place them in the appropriate file. In that system, a cover sheet that has your account number on it will get placed correctly, but the following sheets that lack your account number can be easily misplaced. The solution is to put your account number on every page of your paperwork, so they have a better chance of placing all your paperwork in your file.

• Complete the Paperwork – When your file gets assigned to a document manager, typically about 30 days after you first applied for the modification, the document manager’s job is to check to make sure all your required documents are ready to be submitted to the negotiator/specialist for review. If you have an incomplete file, even if you’re missing just one single required document, the document manager will note your account as having an incomplete file and move on to the next file to review. At this point, a generic letter is automatically mailed to your home requesting the additional information your file lacks. This letter can take up to two weeks to get to you, and then another two to four weeks before they look at your updated information. The key is to never send an incomplete package to your lender. It can lead to a delay or even a flat-out denial.

• Follow Up – Finally, follow up every week with your lender to make sure all the documents they have are up to date. Don’t worry about being a pest. After all, it’s your house on the line if things get stuck in neutral. If you do this consistently, you will avoid getting caught in the delay cycle.

“The process is like any other, and it can be rife with mistakes and bureaucratic snafus,” Nurse adds. “But if you take the steps to reduce the opportunities for error, your application can move through the process much faster and you’ll have a much better chance at being approved.”

For more information, visit www.consumereducationonline.com.

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Welcome Kimberly White to our Abercorn Office!

Kimberly White joins Coldwell Banker Platinum Partners as a Sales Associate for the Company's office located at 6349 Abercorn Street. Kimberly, who specializes in residential properties in Chatham County, joins Coldwell Banker Platinum Partners because, “… of the positive previous relationships with the agents and managers and because Coldwell Banker is the top REALTOR/Broker in the area!”
Kimberly’s ultimate goal is to, “… have my clients saying they were fortunate to work with someone who was honest, reliable and that diligently pursued their best interest.” Kimberly has several years of experience in customer service, sales, information technology and project management. She is a member of the Savannah Board of REALTORS and has held her real estate license for the past 5 years. Kimberly White may be reached at (912)352.1222 or emailed at kimberly.white1@coldwellbanker.com.

Facing Foreclosure? Know Your Options

SAVANNAH, GA, Sep 13, 2011—“A foreclosure is more than just a spot on your credit,” says Connie Ray, President/Owner of Coldwell Banker Platinum Partners. “It is one of the most damaging things that can occur to your credit record.” If you and your family—like many homeowners in today’s market—are facing a foreclosure, knowing your options can buy you time and hopefully help save your home, or at least your credit history.

The first thing you should do when facing a foreclosure is talk with your lender. If you have recently had a large decrease in income, you may be able to arrange a repayment plan, suspension of your payment, or a temporary reduction of payment. “You can also talk over your debt refinancing options,” says Ray.

Additionally, look into talking to your mortgage insurance provider, if applicable. Sometimes insurers are willing to help homeowners by paying the mortgage with a temporary loan to be repaid later, notes Ray.

If refinancing or figuring out an alternate repayment plan is not possible, you may be able to make moves that will have less of a negative impact on your credit history than a forced foreclosure. According to Ray, a short sale, which occurs when the lender agrees to write off a portion of the loan that is higher than the value of the home, or a deed in lieu of foreclosure—where you voluntarily “give back” your property to the lender—is better for your credit, so look into those options.

“A foreclosure can be devastating for everyone involved,” says Ray. “Knowing your options can help you find an alternative route, if one is available.”