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July 17, 2014 Parks Title is hosting a Fantastic Free Networking event in Grand Rapids.11:30 am to 1:00 pm at 3280 East Beltline Ct NE Grand Rapids, MI 49525 Under the White Tent! I can’t wait to see you there! RSVP http://lnkd.in/dEyvnGu

Creditors Calling Like they are Your Lost Friend!
Let us get you on the Right Track!
When the collector calls you they may try to intimidate or threatens you to think that they are in control and you are not. STOP! Don’t let them affect your attitude and focus. You may get talked into or harassed into pay them to stop the calls but your plan was to pay the electric bill.
Step ONE – Attitude -You are in a very vulnerable position but you can break these chains of debt and stop these calls. Don’t let a collector set your priorities or change your action plan to fix this insanity. Understanding the intention of the person on the other end of the line, it collect any type of payment current in the future, small or complete amount. They will do whatever it takes to get money from you, that is their job. They will threaten you with lawsuits, bankruptcy and even arrest. No matter what they say, take a step back and not let them create fear in you. You can stay on track and fix this.
Step TWO – Action Plan
You must first focus on your bases. Food, home, utilities, transportation and what you wear. (Conservative) I am not talking about your purse or shoes; I mean your work outfit or uniform.Once these are covered we can begin to chip away at the additional items of debt and then focus on saving. A high credit score isn’t worth going without food, electricity or running water because at the end of the day you can always rebuild your credit.

The 15th of the month, write out a budget for the next month. List your priorities on that budget, the top items are home, food, utilities and transportation. That way you know what gets paid first. This is a good tool to keep by you so when you get a call from Mr. Collector you can pull out your budget and stay focused. Plus you can them exactly where they are on the pooling position to be paid off. If you stay true to your budget, you will be a Financial Superstar in the end! That light can guide you through dark times.
If you start to feel harassed with numerous calls from the same collector, read up on Federal Fair Debt Collection Practices Act of 1977. The act limits the contact a collector can have with you, so don’t put up with 50 phones calls a day or someone yelling or cussing at you. Hang up the phone if a collector gets rude.
Note to Self – You can do this, Stay true to your budget and pay off the debt and save. It may take a while, but things will improve fairly quickly.

I hope this helped ~ I am a fan of you and your success!

~Annette

In today’s market, homes are being listed every day. How do you create a competitive advantage so you can receive a higher sales price and still get your home sold. There are many construction projects that will help you with curbside appeal but thinking outside of the box is the best thought. Create something that no one else has in their home or a slight difference. Here are a few ideas just on lighting to hopefully spark an idea for you. Remember not all showings are at night, so have a professional photographer capture the environment for you to show on the Internet as well in the home.

Lighting Your Back Yard! Great Project to Create a Competitive Advantage.

Lighting the Way
You can illuminate a garden walkway, deck, or patio to dramatic effect using a variety of landscape lighting options. Here, Mission-inspired lanterns on post mounts cast a soft glow over the adjacent stone path.

Off the Wall
With an LED bulb concealed under its dome, this fixture’s beautiful scrollwork detailing remains unobstructed, and its beauty is further enhanced by a vintage rust finish.

Incognito
Bring a bit of nature-inspired whimsy and charm into your garden or patio area with cattail garden accent lights.

Sun Bricks
These solar-powered LED lights come in the form of flush-to-the-ground patio pavers—a great option for illuminating pathways. Plus, they don’t add to your electric bill!

Tricked Out Trees
Illuminating landscape features creates an atmosphere that will make you want to live outdoors! Simple uplighting can highlight your trees without detracting from the beauty of the cool, dark night.

The Tiki Torch
If you want to go low-tech, tiki torches can add a tropical party mood to your patio space. They are generally inexpensive and easy to move from place to place, making a lovely and casual addition to any outdoor area!

Starry Nights
Create your own starry nights with miniature LED string lights attached to bendable wire. They are perfectly suited to being wrapped around tree branches and railings for a dreamy design.

Japanese Lanterns
Lighting is also about creating a mood. A series of solar-powered Japanese paper lanterns suspended from the trees gives warmth to the patio beneath.

Halley’s” Comet
Create a glowing ambiance anywhere in your backyard with this arcing LED lighting creation from Vibia—now that’s illuminating!

Deck Lights
Deck lighting is a great way to add ambiance to your outdoor space. Picking a Transitional One Light Deck is a simple, modern fixture perfect for bringing your deck to life at night.

Well Light
This recessed well light from Kichler is a great in-ground lighting option. Shaded with heat-resistant glass, it features a hand-painted architectural bronze finish and is suitable for wet locations.

Tiffany Path Light
The Tiffany Path Light, with its stained Tiffany art glass shade and stylized hook, is a perfect blend of beauty and functionality.

If you have standing water on your property, this may be your solution.

http://www.clickondetroit.com/news/live-in-the-d/Live-in-the-D-Get-rid-of-standing-water-with-Parjana/25736142

Call me if you have any questions. (877) ANNETTE

Today, the average buyer of a primary residence will live in the property 9 years before selling compared to 6 years in 2007. Successful investors tend to buy and sell multiple properties over the course of a year and most often work with the same real estate professional on every one of those deals. The agent has the opportunity to earn commissions on both sides… the buy side and the sell side of the transaction or the buy side and the lease side. JUST DO THE MATH! The money is a great motivation, but there are other advantages of working with investors. One huge perk I personally appreciate is developing ongoing relationships with the investors. It’s also exciting and challenging collaborating on the property’s redesign, upgrades, choice of materials, color schemes and all the other necessary pieces of the of crazy puzzle we call the rehab process. It’s a great feeling of accomplishment to help the client achieve their rehab objectives and their profit goals for the project. So who are these Investors? Well, you might be surprised. According to the Survey here are the characteristics of the investor client:

•Investor’s median age is 45.
•Investor’s median annual income is $85,700.
•Investor’s property is approximately 21 miles from their primary resident.

Wait there’s more:
•48% are two earner households.
•47% are likely to buy another investment property in the next two years.
•58% purchased detached single-family properties.
•29% of the properties were 1,000-1,500 square feet
•47% purchased their property through a real estate agent.
(National Association of Investors Buyer Survey, 2013)

Now is the time to Check it out before you need to turn it on. If you need an expert for this, call me at (877-ANNETTE)

Start With the Thermostat

How to tell if an air conditioning unit is working wellIt may sound obvious, but the first place to start with your hands-on check of the air conditioning system in your future home is the thermostat. Turn the temperature down several degrees to ensure the unit will remain running for at least 10 minutes before it cycles off again.

Make your way around the house while the unit is running, checking each vent for cool air output. Every vent should have air of roughly the same temperature and pressure escaping into the room. If one or two vents have a problem with the temperature or pressure, be sure to note it. This could be a sign of a duct that has come loose.

With the cool air still blowing, walk outside to observe the condenser unit in action. It should run smoothly, without making any unusual sounds, and it should run continuously until the house has reached the desired temperature. A unit that kicks on and off frequently may have a variety of serious problems and should be checked by a licensed professional.

You can use a probe thermometer to check the temperature differential between the return air duct and the vents. With the air conditioner running on a day when the outdoor temperature is above 80 degrees Fahrenheit, insert the thermometer into the vent nearest the air handler or furnace and leave it in place until the temperature reading is steady. Note the reading and move your thermometer to the return air duct, placing it inside the grill and leaving it in place for a reading. Subtract the conditioned air temperature from the return air temperature. A temperature difference of 14 to 20 degrees Fahrenheit is ideal.

Check the Outdoor Condenser

Check outdoor condenser when determining if AC unit is functioning properlyIf everything looks good on the inside of the condenser, move outdoors to give the condenser a thorough once-over. On the back of the air conditioner, toward the ground, you’ll see two knob-like protrusions with tubes coming out of them. Carefully peel back the insulation from the insulated tube and feel it. It should be cool to the touch, especially if the air conditioner has run for more than 10 minutes. Check the other tube – it should feel warm. These two tubes are important parts of the condensation process. If the condenser isn’t working properly, you may be able to tell by the temperature of the tubes.

While you’re back there, look for a plate attached to the outside of the unit. On it will be several vital pieces of information about the air conditioner, including the manufacturer, model number, size, and the manufacture date. You can search the Web by the model number to find the manufacturing date if it’s not handy on the label. An air conditioner more than 10 years old is probably due for a replacement – these units have typical life spans of 10 to 15 years under ideal conditions.

Find the Evaporator Coil

More likely than not, the evaporator coil is located inside the furnace, so this is your next destination. Check that the filter is clean and the condensation line is flowing freely. The filter is easy enough – just slide it out and take a quick look. If it’s clogged with dust, it could explain low air pressure at vents or inadequate cooling. (But you should still have a professional check it.) The condensation line will have to be removed from the furnace to check how smoothly it’s running. Use a funnel to pour some water down the line and watch how quickly it comes out the other end. A clogged condensation line will empty slowly, if it empties at all.

The last things you should check, if you can access them, are the ducts themselves. This is pretty easy in a basement home, but if you’re dealing with a house with ductwork in the attic or crawlspace, get ready to get very dirty. Check the entire length of the ductwork for loose fittings, rusted out elbows, and sections that may be hanging and disconnected. Loose ducts invite dirt into the system and spew expensive conditioned air into spaces that don’t need it, robbing the interior spaces that do.

When you’re shopping for your next home, it’s important to understand the basics of checking the air conditioning unit. After all, replacing this complex piece of equipment right after you move in isn’t something to look forward to.(realestate.com)

Your business wants more oxygen so it can grow. It is asking you to know and understand what it needs so it can stretch to grow to be more profitable. Your business needs an injection of technology food, knowledge thirst to create an environment where it knows the infrastructure is solid and stable. Your business wants to perform at a higher level but it needs you to commit to it!
Your business needs the Business Oxygen Circle. This group works to achieve rapid business results which include increased sales, profit and productivity. During this 6 week session, you will learn how to find, attract and convert more clients for your business. You will start measuring your results! So, if you are committed to the growth of your business, I make enrolling into this Business Oxygen Program a very easy financial decision. I am offering this program at the Chamber member price of $195.00! This price includes a workbook and a copy of my digital book to reference.
Seats are available for our upcoming Business Oxygen Circle, limited seating but currently open as of this moment.
Email Kathleen to reserve your seat at Kathleen@annettecompo.com or call 248-988-8507

Great Article on Reverse Mortgage. There are a few great points and a checklist for you to see if this product will work for you.

Here’s a quick guide to using a reverse mortgage:

• You, and your co-owner if you have one, must be age 62 or older in order to qualify for a reverse mortgage. You must pay off any existing mortgages either before or as part of the transaction of acquiring a reverse mortgage.

• The amount of money you can get depends on several factors including your age, the value of your home, and the current mortgage interest rates. A good rule of thumb is 50 percent to 60 percent of your home’s appraised value. An FHA appraisal is required.

http://www.al.com/business/index.ssf/2014/04/reverse_mortgages_for_retireme.html

Contact Jamie Nummer from Somerset Lending to find out more about if this is a mortgage tool for you!
nummerteam@somersetlendingcorp.com
Office: (248) 686-3542 | Mobile: (248) 895-4541

https://somersetlending.com/

Congratulations to Michigan State University and University of Michigan Basketball. Both teams had a great season.

Real Estate 411 is back on its regular day and time: Sundays 4-5pm.

Email in your questions or call (877) ANNETTE

Dear Annette-
I have been watching real estate values in my neighborhood and it sounds like my home may be worth more. Since Spring is here, is this a good time to put my home on the market?
Rachael and Sean – Royal Oak

The Real Estate Market is Hot and It is Time to Sell!
Scanning over all of the market data I am find that existing home sales are down. But here’s the deal, the freakishly cold winter is the cause for a lot of this. It is hard sometimes to wrap our minds around moving in the snow so when we have an extreme winter that is followed by the first sign of Spring, we get EXCITED! Millions of current renters want to buy this year. So you might say, “yeah but there’s no inventory”. Not so fast to judge, despite the wicked winter, inventory is growing each day. What is more exciting for me is that we’ve seen an increase of $3.4 trillion in home equity nation wide per the Department of Treasury and Housing and Urban Development (HUD), which means if you’re a homeowner you should jump on the phone and call me at (877) ANNETTE to find out how much your home increased in value.

I think there’s a really hot summer in front of us as far as real estate is concerned and I can go over a Neighborhood Report on the True Value of Your Home. (877) ANNETTE or www.realestate411now.com

~Annette Compo, Your Real Estate Broker