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.
Tuesday, November 29, 2011
Monday, November 28, 2011
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.
Tuesday, November 22, 2011
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.
"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.
Thursday, November 17, 2011
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.
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.
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.
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.
Friday, November 11, 2011
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.
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.
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.
"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.
“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
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
Monday, November 7, 2011
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.
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.
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