Fall Reminders

Each season I mail out a reminder check list of home maintenance items to my friends, clients and neighbors.  The following are some hints for maintaining your home during fall season.  It is important that during this season you prepare your home for the upcoming winter.  You may want to consider installing additional insulation, using weather stripping, and caulking.

1. Have furnace serviced by a qualified contractor.
2. Change furnace filter(s).
3. Replace central humidifier pad.
4. Close crawl space vents.
5. Check fireplace flue for creosote build-up and check damper for operation.
6. Check roof for damage, loose or missing shingles.  Checking flashing areas as well.
7. Clean gutters as needed.
8. Install or lower all storm windows.
9. Shut off water to outside faucets and disconnect all garden hoses.
10. Insulate any plumbing located in garage or other areas subject to freezing.
11. A third application of fertilizer for your lawn should follow in mid-October.
12. Empty or let gasoline tank on your lawnmower run dry before winter storage.
13. Take a careful look at the exterior of your house to see that it is properly protected from the elements.
14. If your family room does not seem large enough for your family and friends to watch the games on TV this fall, call me to assist you in finding you another home.

If you take time to maintain your investment, your investment will take care of you!
Call me for any real estate questions.

How To Achieve Financial Freedom

If you're like millions of Americans, you dream of the day when you will be debt free.  The economic recession has prompted many families to restrict spending in order to take control of their finances, pay down outstanding debt and make saving a priority.  In fact, the average household debt has fallen over 8.2% since it's peak in 2008.*  For many people, eliminating household debt feels unattainable; however, with the right tools, anyone can take control of their spending and begin to build wealth.

This month, I have tips on my website to help you break the cycle of debt and achieve financial freedom.  The first page outlines steps you can take to create a budget and save money.  Page two details a plan to eliminate debt from credit cards and loans in a fraction of the time it would traditionally take.  Feel free to share this information with your Family and Friends who are looking to get out of debt and improve their financial security.

If you have any questions or would like more information, please contact me any time via email, facebook, twitter, townepost or phone!

 *Source:  Federal Reserve Bank of New York, Quarterly Report on household Debt and Credit:  May 2011