Thursday, November 29, 2007

Leaving Secrets: How to Create a Personal Instruction Manual for Life

Imagine if your great, great grandfather or grandmother had left you a book with their secrets for living. Maybe it contained nuggets of wisdom, yummy recipes, favorite jokes, or just insights for how to lead a good life. Ever since people learned of my next book, Life's Missing Instruction Manual, people are curious how to create their own "manual" for life.

You can leave such a book for your own family. What are the key lessons you've learned in your life? Are you ready to share them with your children and grandchildren - or with your friend, siblings, parents, and grandparents?

What you've gleaned from your life experiences can make things easier for your children or your relatives. In fact, the lessons you've earned from trial and error can be the perfect gift for everyone in your life - or for one person who matters to you. Here's how to commit your insights to writing and share them with your fellow life travelers.

Carry a pad of paper around with you everywhere for a week.

Jot down your thoughts and observations as they occur to you. Don't judge them. Just make note of them.

Add personal stories and memories, as they come to mind. Again, don't edit your thoughts. Just commit them to paper.

Take a few days to go through your notes, and underline the most important passages, and make additional comments in the margins.

From this, distill the lessons you most want to share with others: your perspective, your values, what matters most to you, and your reactions to the world around you.

Find a beautiful journal or blank book - one that you feel a strong connection with. You might find it at a bookstore, an antique store, an online auction site, a craft store, or even a flea market. Where you find it doesn't matter. How you feel about it does.

Fill the journal with your own instruction manual for life. Make sure to include a title and your name.

Find a special person to share it with, and turn the presentation of the journal into a celebration.

If you don't feel comfortable writing your notes and stories, you can dictate them into a portable tape recorder, and later, you can transcribe them into a journal. You don't have to be a bestselling author, academic, or philosopher to create a instruction manual that can helped your loved ones every day of their lives... and be passed on to future generations as well.

Author Bio
Joe Vitale is the author of the book, Life's Missing Instruction Manual (Wiley, March 2006).


Berni's Comments: While cleaning out my mother's old office and basement after she passed away, I found all sorts of things she wrote and created which I didn't know existed. I started reading her old copies of personalized greetings cards that she would write and print up on her computer, then send to all of her friends that needed a little cheering up. First, I cried. Then laughed. Then cried and laughed some more.

It actually became a little game as I had to sort through a mountain of files and other stuff. She wrote a little poetry, and even a couple of songs! (And I thought my songwriting ability came only from my father...) I even found some landscape drawings (she always loved landscapes and still life). Then surprise of all surprises: I found some large ceramic plates that she had painted in a sort of black iridescent paint with beautiful autumn and winter colored hues depicting these scenes as well. I have never really seen anything like them. I remembered she painted and fired a couple of them at Aunt Helen's house. At the time, my Aunt Helen was a ceramic teacher (who still has a studio in her basement). These pieces have become family keepsakes and treasures because my mother actually signed and dated them!

I never thought I'd find so many precious memories, which really have become my mother's own Personal Instruction "Manual" for Life.

How to Make Your Own Free MP3 Ringtones

In this tutorial, We will guide you in the step by step process for making your own MP3 ringtones.

Tools you need:

* Cell phone that support MP3 ringtones.

* Music CD or MP3 Music File

* Any method of transferring the ringtones from computer to phone (USB, Bluetooth, e-mail, instant message, etc.)

* Audacity v1.3 beta

* Lame v3.96.1

* MP3 Converter (to convert audio cd file to mp3 format)

Instructions:

If you plan to create your MP3 ringtones from a CD, rip the song you want as a WAV (Windows) or an AIFF file (Mac). It's a good idea to specify a new ripping location, too, so the ripped song wont be mixed up with the rest of your collection. But if you're creating your ringtones from an MP3 song, you may want to copy that MP3 song into a new folder so that when we edit the MP3 the audio-editing software won't messed up your original MP3 song.

Now, If you don't have any of the above mentioned audio file types you can use your own Audio CD. But, you will need to use a separate software to convert them to MP3, Wave or AIFF. You can also download MP3 songs the Internet.

Once you have chosen the song to edit and converted it to our desired digital music format (whether WAV, AIFF or MP3), run your audio-editing software. In this case we will be using Audacity, it is free, open source and runs on both Mac and PC. If you don't have Audacity you can download a copy of the file here http://audacity.sourceforge.net/.

Also Audacity needs another separate program (actually its called library) for MP3 compression. We will be using Lame, LAME is an MPEG Audio Layer III (MP3) encoder, you can download Lame Library here http://lame.sourceforge.net/index.php . Once your download is complete you need to decompressed the file. Please take note where you decompressed the file.

So once you have all the tools we need, let's start!

Run Audacity, go to Edit/Preferences/File Format menu, and click the "Find Library" button near the bottom of the screen. Navigate to the folder where you decompressed the Lame Library File, and select it. Also set your bit rate to 128 Kbps. You can choose a lower bit rate to save space on your phone, but you'll get lower-quality sound.

Now continue with Audacity, in Audacity's File menu, select Open and find the music you want to create for your MP3 ringtone. It might take some time for Audacity to import your music depending on its size, the location and the speed of your computer. Just be patient!

Once the importing is done, you will see your music laid out from left to right. Click and drag your mouse around until you find the section you want for your MP3 ringtone. You can listen to your selection by pressing the spacebar, just play around until you find the part that you want to make as your MP3 ringtone. You're looking for a phrase of 10 to 15 seconds or so. Once you found what you want for your MP3 ringtone you now go to "File" Menu and click on "Export selection as MP3".

Audacity comes with several effects; to try them out, leave the ringtone selected in the Audacity window, and then select anything in the Effect menu.Adding these effects is a matter of taste, but I figure it adds a bit of spice to the ringtone and makes it more of an individual statement.

So once all is set and you've finalize your mp3 ringtone, it's time to transfer the ringtone onto your phone. The easiest way to do this is with Bluetooth, assuming you have already paired your computer and cell phone. If your phone came with a USB connection, use that; otherwise, try e-mailing or texting it as an attachment. If you need some info about datacables please go here http://real-ringtones.awardspace.com/datacables.html. Put the mp3 ringtone file into the Audio folder if your phone has one, and then select the new ringtone in your Tools or Options menu. Each brand of phones has a separate way of adding or selecting new ringtones, but this tutorial does not cover that.

So that's it! I hope you enjoy your new MP3 Ringtone!

Author Bio
Rex Meneses is an author for many successful articles written on the about ringtones and how to get them absolutely free. His website Real Music Ringtones have helped many cellphone users.

Berni's Comments: Everyone knows I love music. Especially jazzy, jazzy music! (People are always dancing to my ringtones.) So I thought this article connects with the youth in all of us who just can't get enough of ringtones. So...I really hope this is legal stuff. If it isn't, someone let me know and I will remove this post.

Until then...HAVE SOME FUN!

Top 9 Used Car Salesmen Tricks, and How to Avoid Them

One of the biggest moments in many people's lives is driving off in their brand-spanking-new automobile. It's an exhilarating feeling. It's also a big moment because in that very instant, that brand-spanking-new car loses a big chunk of its value-the difference between the retail price you paid and the car's wholesale value. That's typically thousands gone in an instant.

That's why some car buyers choose to shop around for a used car. You save yourself that steep initial drop-off in value. More importantly, you get a car that runs just as well, is just as dependable, and looks and feels as good as that new car-that is, if you play your cards right.

For if there is one pitfall of buying a used car, it's the risk of buying a lemon, a junker-call it what you want, you get the point: the wrong car. Used car dealers, after all, have nearly as bad a reputation, if not worse, than lawyers do. This holds true for individual people selling their cars through newspapers, Web auctions and classified sites, or with the old-fashioned signs in their car windows. The saying, "Buyer Beware," no where has more meaning than with cars.

The opposite to that, of course, is that there are some real steals out there in used cars. We're talking about quality vehicles that will perform beyond your expectations at a low price. Here's how to find these perfect used vehicles, and avoid the top 10 scams that used car dealers everywhere try to pull on you.

1. Get a second opinion for the hype.
Used car dealers will bombard you with every adjective under the book to sell you on a car-sporty, thrifty, fast, and etc. Don't take their word for it. Instead, find someone you know, whether a neighbor, a colleague, a family member, or a friend, who owns the same make and model of the vehicle, and ask them for their opinion.

2. Do a background check.
One of the most unethical, but legal, things someone can do to you is sell you a used car that's been in a flood (and sort of repaired), or one that's had 10 previous owners (none of whom repaired it). To be sure you don't fall victim to this, track down a history report, including a clearance check on the vehicle title. You can even get some of this information from the seller, simply by asking why they are selling it. You'd be surprised what beans people may spill.

3. Examine for past damage.
Used car dealers may also try to peddle a vehicle that was wrecked in a major accident. It's amazing what autobody experts can do to repair a car's exterior. So don't go by the outer appearances of a vehicle. Before you buy it, make sure that it does not have serious damage to its frame, which it would have if it was involved in a crash.

4. Call up your trusted mechanic.
Used car dealers, especially the big lots, will say they put their used cars through a "100 point inspection," or something like that. Once again, a second opinion is in order. Get this one from your own mechanic. He'll be able to tell how good a shape the car actually is in. Also be sure to ask him or her how often the car had been serviced. A good mechanic can even gauge that.

5. Research for recalls.
Needless to say, a used car dealer may sell you a car that's actually under recall in his mad rush to get the car off his lot. So be sure to call the car manufacturer, or visit their Web site, to see if the vehicle has any active recalls.

6. Avoid the leftover lemon.
Along with recalled vehicles, dealers may even perpetrate something much worse on you-sell you a lemon. (By definition, a lemon is a car that's still under warranty, which has such major problems that, warranty or not, it still cannot be fixed in a reasonable way.) The best way to avoid this is to research in Consumer Reports or the various automobile magazines, which all have yearly reviews of every make and model on the market. They'll tell you whether a kind of car is known for being a lemon and prone to breakdowns.

7. See through the old paint and bait.
Along with performing their "100 point inspection," car dealers may shine and wax a used car-even repaint it-to hide dents, dings, and rust spots. A keen eye, though, can see right through this.

8. Take the test drive.
Once you've done all your research, homework, extra credit, and everything else called for in the first seven steps, then comes the fun-the test drive. Drive the car for as long as its owner or dealer will allow you. Then you'll get a better feel for how the vehicle handles, accelerates, brakes, and otherwise suits your tastes (or doesn't).

9. Be wary of the pushy seller.
At any stage of the game-from the moment you first talk to the seller to the test drive-be careful if the seller gets pushy. Any dealer or seller who is in a rush to move a vehicle should set off bells and whistles. Why the rush? Are they hiding something? In some cases the seller may just be excited to sell you the car-and actually happy for you-but in many other cases, they may be up to something. Better be safe than sorry.

Follow these 9 simple steps to avoid the scams and pitfalls of used car deals, and you could get the car of your dreams-for far less than you'd pay if it was brand-new. Plus, you get that same high when you drive your new used car home, without losing thousands of dollars.


Author Bio
Donald Lee is the public relations manager for Buysellcommunity.com. Buysellcommunity provides free classified listing services. Buy, Sell and trade: auto, computers, household items, real estate, pets and much more. For global and localized classifieds, please visit http://www.buysellcommunity.com - Free Buy & Sell Classifieds


Berni's Comments: I thought this would be a good article to review and save, since we all must decide between BRAND NEW or USED when it's time for the next vehicle. Many potential first-time home buyers hopes get crushed due to new car payments which could have been avoided or at least averted until they actually bought a nice home. After all, why "live" in a car? When with a little patience and conservative budget, you can still drive a car you'll love (or at least, really like) that you bought at a reasonable price with no weighty payments over your head. Then you can live in a comfortable home and enjoy a soft pillow to sleep peacefully upon...every night!

Monday, November 19, 2007

Calculating the Cost of Building a New Home

Question: I want to build a 2,800-square-foot home with four bedrooms, two and one-half baths, a gourmet kitchen, walkout basement with media room and three-car garage in Pennsylvania. How can I estimate the cost to build the house? And what do you think about modular homes?
-- Sheila, Spring City, Pa.


Answer: According to B4UBuild.com, which sells books on the subject of cost estimating, the average cost-per-square-foot to build a home on site is between $95 and $150.

Now wipe those numbers from your mind.

Contractors generally agree that cost-per-square-foot is a terrible way to budget for a home, because there are so many variables involved. Do you insist on top-of-the-line cabinets and appliances for your gourmet kitchen, or will mid-range ones do? Are you planning to side the house with cheap vinyl or expensive stone brick? Is the house going to be one story, or two? (The latter is generally cheaper because the foundation is smaller.) Will you have simple, rectangular rooms that minimize the materials and the labor required for framing, or unusual shapes like octagons with vaulted ceilings? What sort of flooring, bathroom fixtures and heating and cooling system will you have? Is the lot easy to access, relatively flat and easy to dig, or is it rocky, heavily wooded and uneven?

There are a few Web-based calculators that can help you make rough cost calculations. One easy-to-use, free one is Building-Cost.net, which adjusts not only for the quality levels of finishes and fixtures, but also for location, down to the city level. But bear in mind that this and other calculators won't give you an exact estimate, since ultimately that will be determined by the profit margins of the contractor you hire -- information you can't really know in advance.


So if you go the site-built route, I suggest that you start with a dollar amount that you're willing to spend. Interview at least three contractors and check their licenses and references and look at their work.

Once you've found someone you like and trust, the two of you can take your preliminary budget and work backwards, including the must-haves and eliminating the mere wish-I-hads as money allows.

Be sure to keep a cushion of at least 10% to 20% of the total project cost to cover last-minute changes, delays and other problems you can't foresee (for example, the cost of lumber spiking mid-project).

Now to your question about modular homes. Manufacturers of these homes, which are built in a factory in sections, say they are a lot more durable than site-built ones, since they are constructed in controlled conditions. But modular homes still make up only a tiny fraction of new home sales -- only 3.6% of the 1.06 million new homes sold last year, according to the National Modular Housing Council. (Click here for a list of manufacturers.)

That's partly because some consumers remember how uninspired modular homes looked in the 1980s and because some people still confuse them with so-called "manufactured homes," also known as mobile homes or trailers.

These days, computer-aided design means that almost any house plan you choose can be made into a modular home. I think modular homes are fine and definitely worth considering, as long as you can visit a model or a nearby factory. Don't assume you'll save a few bucks, however. In fact, by the time the house is delivered to your lot and assembled, it may cost as much as a site-built one.


By June Fletcher
From The Wall Street Journal Online

-- June Fletcher is a staff reporter at The Wall Street Journal and the author of "House Poor" (Harper Collins, 2005).

Berni's Comment: Hope this helps all who are determined to build their dream homes instead of buying an existing dream home. Either way, I'm here to help.

When Home Builders Hit the Skids

When Home Builders Hit the Skids
Consumers Deal with Uncertainties


The tumbling housing market is claiming a new class of victim: customers of insolvent home builders.

In the latest sign of trouble, Ft. Lauderdale, Fla.-based Levitt & Sons, a unit of Levitt Corp., filed for Chapter 11 bankruptcy protection last Friday, citing the "sudden and steep" downturn in the Florida housing market. Levitt's move follows bankruptcy filings by a number of local and regional builders, including Neumann Homes Inc. in Illinois, Elliott Building Group in Pennsylvania, Turner-Dunn Homes Inc. in Arizona and Kara Homes Inc. in New Jersey. Many other builders simply close up shop.

And the situation is likely to worsen in the first half of next year, says Ivy Zelman, an independent housing analyst. "We're in the first or second inning," Ms. Zelman says. "There are going to be a significant number of insolvent builders."

Unfinished Business

As more builders flounder, their customers can face the following issues:

• Buyers who haven't yet moved in could lose all or part of their deposit -- or wait months for their house to be completed.
• Homeowners could find that liens have been put on their homes by contractors who haven't been paid.
• Communities may have to wait for the completion of roads and amenities such as swimming pools.
What a builder's troubles mean for its customers can vary, depending on factors such as state law, contract terms and how long it takes to get the project back on track. In some cases, buyers may lose all or part of their deposit or wait a year or more for their house to be completed or the builder's financial troubles to be sorted out.

Homeowners who've already moved into a new development can find themselves living near a half-finished house where work has been halted. They also face other questions, such as who will handle needed repairs, what will happen to a promised swimming pool and whether contractors have put liens on their properties -- which could block access to financing. In some cases, local communities have stepped in to fix unfinished roads or pick up overflowing Dumpsters.

Jeff Benes and Maggie Byrne paid $269,000 for a four-bedroom Neumann home in Antioch, Ill., in 2003. Now they are wondering what the company's bankruptcy filing will mean for property values -- not to mention who will plow the development's unfinished streets this winter and when the promised clubhouse, pool and volleyball courts will be completed. "We're all up in the air now not knowing what is going to happen," says Ms. Byrne.

As the housing market has slumped, builders have struggled with rising inventories, falling home prices and cancellation rates that have topped 40% in some markets. Land prices have also dropped, leaving builders owing more for some parcels than those properties are now worth. Banks, meanwhile, are tightening their standards -- not only for home buyers, but for the builders as well. IndyMac Bancorp Inc., which lends to small and midsize builders, said earlier this month that it expected 30% of its home-builder loans to be delinquent by the fourth quarter. The company says that it stopped making new construction loans to builders in August.

During the early 1990s housing downturn, some 15% of home builders went out of business, according to the National Association of Home Builders. The number of bankruptcy filings was very small, says NAHB research director Gopal Ahluwalia. Most troubled builders simply shut their doors or moved into other ventures. No one currently tracks builder bankruptcies, he says.

Often, builders' problems are evident long before any public filing. Before Kara Homes filed for Chapter 11 bankruptcy a year ago, construction crews at its Horizons at Birch Hills development in Old Bridge, N.J., began disappearing, and vendors who had worked on the development were replaced by others who seemed less experienced, says homeowners' association president Frank Ramsom. Kara employees also "started to neglect meetings" and provided "cryptic" answers to homeowners' questions, he says.

Perry M. Mandarino, who was brought in to serve as the chief restructuring officer for Kara Homes, advises people buying a new home to "drive past it every few days or every week, not just on a Saturday," to check on construction. "The warning signs are real obvious," he says. "There's a lot of construction, and all of a sudden it stops. There's inclement weather and they are not boarding up the property."

For buyers who are under contract, the biggest risk is that they will lose their deposit. Some states, such as California, require that homeowner deposits be held in escrow or that the builder post a bond. But in other cases, the builder may be able to tap the money, which may make it harder to recover.

When Turner-Dunn filed for Chapter 11 protection last year, more than 150 homeowners had outstanding deposits ranging from $2,500 to nearly $28,000, according to bankruptcy filings. Turner-Dunn had disclosed in a public report given to buyers that deposits would be used to fund construction and were not being held in escrow, says Mary Utley, a spokeswoman for the Arizona Department of Real Estate.

It's not yet clear how much of that money will be returned. Dan Collins, an attorney for the bankruptcy trustee, says the outcome will depend on future litigation. Under federal bankruptcy law, homeowner deposits take priority over certain other unsecured claims, but only amounts up to $2,225 are covered.

One homebuyer, Brett Angner, put down about $26,000 on a Turner-Dunn home he was purchasing as an investment. He calls his chances of getting his money back "minimal."

Frontier Homes Inc., an Ontario, Calif., builder that bought Turner-Dunn's assets, offered buyers the chance to complete their purchases without an additional deposit. "But it would have been imprudent of us as businessmen to say, 'Here's your money back,' " says Frontier senior vice president Michael Dwight.

Buyers who still want to move into their homes can find themselves living in limbo. One couple waited three years for their $1 million Kara home to be completed. "This woman and her husband had twins," says Mr. Mandarino. "They had to live with a relative."

Another issue: Who will handle the inevitable problems that come with new construction? Builders often provide third-party warranties, but Neumann Homes told buyers it would cover defects that appeared in the first year itself. Homeowners are concerned that the company won't honor that warranty, says Dennis Crosby, a trustee for Antioch, Ill.

Residents are grappling with other uncertainties. Each year, Neumann has installed a ice-skating rink in its Antioch development. But some residents aren't sure they want to pick up the roughly $8,000 tab this year -- or if they have the authority to stop it, says Mr. Crosby, who owns a Neumann home. Village officials say they expect any developer who takes over the project to complete the clubhouse, swimming pool, parks and other promised amenities.

Ken Neumann, the company's chief executive, says that "it's likely that the one-year builder warranty will lapse," but adds that structural and major mechanical defects are covered by a 10-year third-party warranty. Mr. Neumann says money has been set aside in escrow to cover the cost of uncompleted amenities. Neumann Homes is working with its lenders to get homes under construction completed, he says.



Troubled builder Levitt & Sons halted construction at its Seasons at Prince Creek West development in Murrells Inlet, S.C., a few months ago.

For homeowners, promised amenities can sometimes seem like pipe dreams. At Levitt & Son's Seasons at Prince Creek West in Murrells Inlet, S.C., a gated community for residents 55 and older, a 25,000-square-foot community center -- with tennis courts, indoor and outdoor pools, computer rooms, bocce court, an arts and crafts room and health club -- is only partly completed.

"We were told that if it wasn't protected [from the elements] within 30 days, whoever picked up the project might have to knock it down and start all over again," says Charles Brindley, a retired graphic artist, who closed on a $375,000, 2,124-square-foot home in the community in July.

Many builders, including Levitt, have also stopped paying their vendors. Those vendors, in turn, have placed liens on the homes of people living in the communities. Some Levitt homeowners have as many as 20 different liens on their home, according to an executive at one of Levitt's Georgia divisions. Such liens mean that the owner can't refinance, get a home-equity loan or sell the home. Other Levitt homebuyers can't close on their properties because the builder hasn't been able to sign a sworn statement that it has paid off all subcontractors and suppliers.

Paul Singerman, lead bankruptcy counsel to Levitt, says that since the filing, the builder "is already trying to ameliorate a number of legitimate concerns." Those include asking the court to allow it to resume home sales, returning deposits posted after Aug. 29 to certain customers and filing claims for the vendor liens so payments can be arranged.

In addition, Mr. Singerman adds, under the supervision of the bankruptcy court, Levitt will attempt to move ahead with a plan to either finish substantially completed homes or sell partially completed developments to another developer or investor. Levitt has about 30 developments, none of which are completely finished, Mr. Singerman says.

In some cases, homeowners and local governments have stepped in to pick up some of the pieces. After Kara Homes filed for bankruptcy, residents of Horizons at Birch Hill hired an attorney to represent them in the bankruptcy case and a maintenance man to fix common problems.

To keep the stalled project from turning into a health and safety hazard, the town of Old Bridge, N.J., pulled out 40-foot Dumpsters that had been left on the property, sent in police for regular patrols and fenced in a hole that had been dug for a swimming pool. "These people were left in one heck of a lurch," says Old Bridge Mayor Jim Phillips.

For some homeowners, the good news comes with the arrival of a new developer. Kara Homes' Horizons at Woodlake Greens development in Lakewood, N.J., was bought by Maplewood Home Builders in September. The new builder says it is now working to fulfill its promise to complete the clubhouse in time for Christmas and have the swimming pool ready by spring.

Since Maplewood took over, "the tempo here has been terrific," says Jim Lithgow, who bought a Kara home two years ago and is president of the homeowners' association. "It's a story of anguish and passion. But now we've turned the corner."

By Ruth Simon and Kemba J. Dunham
From The Wall Street Journal Online

Email your comments to rjeditor@dowjones.com.


Berni's Comments: Now. More than ever it's important to deal only with reputable home builders who can deliver what they promise. If you plan to build in Hampden County, call me. As an Accredited Buyer Representative (ABR), I will do all I can to assist you along with a preferred home builder to make your dream home -just that.

7 Materials For Creating The Perfect Kitchen Countertop

The kitchen countertop has to be able to take a lot of abuse including the heat of pots, cutting and knives and abrasive cleansers. The ideal countertop should be able to stand up to heat and the sharp edge of a knife.

Let us take a look at 7 of the most popular kitchen countertop materials being used today:

Granite
A natural stone, granite is a popular choice for it's classic beauty and durability. Granite is the hardest and densest of the natural stones. It can create a kitchen countertop that is extremely scratch resistant and can keep its luster longer than most materials. granite slabs are the most expensive of all kitchen countertop surfaces, although it is still considered a very practical material in that it is virtually indestructible.

Marble
Another natural stone, marble is considered to be the height of elegance and will last longer than most kitchens. It is however, is very expensive and requires some care: acidic foods such as orange juice will etch the finished surface of a marble kitchen countertop.

Slate
Because of it richness and beauty slate is usually used in interior applications such as kitchen countertops, bathroom sinks or fireplace surrounds. It can be used in either modern or traditional kitchens as well as in combination with marble. Slate is durable, strong, and can withstand hard use. It is less expensive than marble.

Concrete
This is one of the biggest trends in kitchen countertops today. It is a good look for clean, industrial and contemporary kitchen designs. Available in pre formed sections or poured and formed on-site. Concrete is a good material for unusually shaped counters. Concrete kitchen countertops are expensive, require a sealant and must be treated with care. The countertop can crack if the concrete should contract. Concrete can be stained any color. The most popular color is a natural gray tone. The top layer can be finished as desired.

Corian
A solid surface material that first became popular in the 1990's It is highly recommended by kitchen countertop experts. It is a totally manmade product and is not porous. As a solid surface it can easily be repaired if scratched or burned.

Stainless Steel
Advantages include very hygienic, easy to clean, has ability to stand up to exteme wear and heat. Stainless steel can provide a great look for an ultra modern kitchen. Some disadvantages with stainless is that it can be noisy and that scratches can develop.

Tile
Tile surfaces can be tough, hard-wearing, takes hot pans, heat and stain resistant as well as beautiful. There are many types of tiles including ceramic, porcelain, quarry, glass, natural stone and mosiac. Available in many colors, sizes and textures. It has good design flexibility. Tile can often be used for trim or backsplashes. The downside of tile is that the grouts can be easily stained. Also the tiles can become chipped or cracked.


Author Bio
James Mahoney is the owner of Kitchen Designers Idea.com. Learn about today's kitchen design ideas by visiting his site at Kitchen Designers Ideas.com. If you liked this article and would want to subscribe to his information packed newletter visit: Kitchen Designers Ideas.com


Berni's Comments: I want to add this as a part-two to the kitchen remodeling post. Reason: I really like Mr. Mahoney's website packed with useful information. I think it will fill you with lots of jazzy ideas for your new kitchen project!

Sunday, November 18, 2007

To All My Dear Clients

Below is a copy of the color ad that appears in the House Hunter (Pioneer Valley's Showcase of Homes) for Nov. 15th-Dec. 17th, 2007.
♥ The price of the 16 Acres home has been reduced to : $219,900. and it is FABULOUS, great for someone with a home business too! The address is: 6 Vann Street, Springfield, MA 01119.
♥ The seller of the 2-Family in East Springfield is willing to help with closing costs for serious and solidly pre-approved buyers. This is a great deal for only $164,000. The address is : 48-50 Glenham Street, Springfield, MA 01104.
♥ The land in 16 Acres is at the end of Durant Street, Springfield, MA 01129 and borders conservation land for completely serene surroundings. Onlt $57,700.
♥ Where can you get a condo for under $35,000? It is located in a former luxury hotel and would be great for someone tired of home maintenance… or a commuter… or perhaps a business owner who wants to impress clients with the grand art deco style lobby… or a rental unit. It is located at: 140 Chestnut Street, Springfield 01103 on the 5th floor.
♥ Coming soon: Pine Point bungalow updated with large garage and on large lot (also with disabled accessibility, if desired). More listings to come …always check my website for updates:

♥ MY ABR LISTINGS are on my website. All price ranges: modest homes to luxury homes. If you're moving to the Greater Springfield Massachusetts area or the surrounding communities in Hampden or Hampshire counties, I will be happy to meet you at any one of our offices located in East Longmeadow, West Springfield or Wilbraham. Then we can discuss your home needs and begin a wonderful journey to your new home together.
♥ Need to sell (or buy) your home outside of my local area? I am qualified to assist and refer you to solidly, qualified and reputable realtors nationwide.




Yes…I know my hair will always undergo change! That’s why I’d rather the ads show that I clean up well. My everyday look is the “Berni working hard for you” look… Are you smiling yet? I hope so! If you have a family member, friend or associate that would be seriously interested in any of my listings or any others, please call me with their name, phone and any other contact information. I will follow up with them and will thank you for adding another touch of jazz to my business.

Ciao for Now,


Berni

How To Create A Designer Kitchen

How do you create an attention-grabbing, designer kitchen on a reasonable budget? How do builders and remodelers design kitchens that sizzle? They've figured out the secret to creating kitchens that sell. They hire a kitchen designer! So, if builders think kitchen design is a smart idea, do you think it might be worth the investment?

Today's remodeled kitchen can easily cost $25,000 - $50,000 or more. If you are going make a sizeable investment upgrading your kitchen, you may want to allocate a portion of your budget to kitchen design. Why? Because a good designer comes up with great ideas. You pay for a trained eye to see what you can't see. A good designer suggests design elements that won't blow the budget. They know which details are relatively inexpensive, but add significant "punch" to your project.

Once you've budgeted money for design (generally 3-5%), now what do you do? Well, before looking for a kitchen designer, start thinking about what want in your kitchen. A kitchen designer will ask you what you have in mind so they can narrow the focus of your design. Is there a specific appliance that you want to make the focal point of your kitchen? Do you like exotic wood cabinets? Or do you just want a kitchen where everything coordinates and flows together?

Before you contact a kitchen designer, you may also want to visit a kitchen appliance dealer. A designer vent hood or an oversized range can serve as a great focal point for your new kitchen. Then you may want to start looking in design magazines, a great source for design ideas. Find the kitchen or the design elements you like in a magazine and simply replicate those ideas that appeal to you. Finally, after you've gathered some general ideas of what you want in your kitchen, start looking for a kitchen designer.

Where do you find a good kitchen designer? And once you've settled on a designer and come up with a design, how do you know what your design will cost to build? How do you avoid designing a kitchen you can't afford? Wouldn't it be helpful if you had some guidance throughout the design process to determine construction costs?

That's where a "design-build" firm can help. Design-build remodelers offer both design and construction services. When working with a design-build contractor, the designer creates the beauty (the floor plan, the cabinet elevations, the finished material selections, etc.) and the contractor creates the estimate. There's no more guesswork. When you hire a design-build contractor you know exactly what the design will cost.

Today, there are number of professional remodelers offering design services. Some design-build remodelers provide in-house design services. Other contractors outsource design to kitchen-designer, business partners. The best design-build contractors couple top design talent with professional construction services.

So how do you create a designer kitchen? Since they appreciate the value of good design, you may want to start by looking for a good design-build contractor. Check their work, check their trade associations, look at their project pictures and talk to their designers. A reputable design-build remodeler can be a valuable partner for creating your new designer kitchen!

Author Bio

Stephen Haver is the owner of design-build firm Update Construction, serving Houston, TX since 1992.

Berni's Comments: After having major remodeling done to my kitchen (and yes, I LOVE IT), I thought that this informative article will provide some wonderful insight for those of you who are up to the task. It is definitely NOT an undertaking for the faint of heart, but having lived through major remodeling, I can honestly say that it was worth it. Added bonus: increased appraised value to my home. UNEXPECTED & BEST BONUS: EVERYONE now gathers here. Always....It is the joy of our home....and definitely very, very jazzy!

By the way, if any of my clients desire, I will email pics of my kitchen.

Flipping Real Estate: Calculating Costs

If you been in the real estate investing business, or more specifically been flipping real estate, for more than a few days, you've inevitably gotten an email that reads something like this:"Investor's Dream. This property will go QUICK.

· Property Address: 1234 Main Street
· Asking Price: $100,000 (Add or subtract zeros!)
· After Repair Value: $150,000
· Repairs: $15,000
· Profit: $35,000
· Details: Needs paint, carpet, tile, new kitchen, update bathroom, some roof damage.
· Tenant occupied. Need to evict!"


STOP! Before you read on... Take a guess at what you think the "real" profit's going to be on this real estate investment...

If you haven't ever gotten an email or fax broadcast like this, then rest assured, you will! I'm about to probably tick off all of the late night infomercials and pitchmen out there! Sure, I understand that when you've got 30 minutes (or 90 minutes, for that matter), that you've to sell what's sexy... not what's real!

Now it's my turn to expose the real deal on real estate investing! This goes for flipping real estate itself (i.e. properties) or simply flipping the contract (also known as assigning the contract). When you're flipping real estate, you need to be able to calculate the "real" bottom line and if your assigning the contract, you need to know your numbers so you don't get blacklisted from investors! This one piece of information will keep you from getting into trouble because of any "real estate bubble"!

Purchase Costs

Here goes... Have you EVER purchased and sold a piece of real estate for FREE? If you're not sure what the answer is... It's an emphatic NO... You are going to have costs to buy, costs to hold and costs to sell. This holds true even if you are buying a property for all cash. (Think title fees, attorney's fees, recording fees, etc.)

If you're not getting a mortgage, your purchase costs are obviously much lower, but nonetheless, there are costs associated with any real estate transaction. Plus, more than likely, if you're relatively new, you're probably not paying all cash for property anyways. You're probably going to be using a hard money investor for your initial real estate investing financing!

For a quick calculation, you can estimate anywhere between 3% - 5% for closing costs to just acquire the property. That's 3%-5% of the purchase price.

Holding Costs

How much is it going to cost you each and every day to own this piece of real estate? See, if you're making money in real estate, you'd better believe that there are a lot of other people that are going to expect to get paid and they get paid in the form of mortgage interest, property taxes, utilities, property insurance, etc. Each of these is an expense each and every day that you own the property. Here's an example... A hard money loan on a bread and butter type piece of real estate might run you 15%. Let's say you got the property for $100,000. Every month, you are paying $1250 in interest alone. Let's say that taxes and insurance are another $200/month and then utilities at $100. Right there, the property is costing you $1550/month - or roughly $50/day. See, why it's important to know your not only your holding costs on a real estate investment, but also how long it's going to be on the market before you can flip the property.

Selling Costs

Here's the third part of the real estate investing puzzle. When you want to turn around and sell this piece of real estate, it's going to cost you yet again. The real estate broker commission is usually 4-5-6% or sometimes more. Then, you can figure 1-2% in closing fees.

If you can remember this... and apply what you've just learned to each and every real estate deal that you do, you'll be safe flipping real estate in any market. You see, if it's a hot market, you can calculate less time for holding cost. But, in a slower market, make your offer based on 6 months or 9 months of holding costs. It's really simple math! And real estate really is a numbers game...

Author Bio


Heather Seitz, the co-creator of Fixing and Flipping software, takes the guesswork out of estimating repairs.

Berni’s Comment: I’ve been working with a few investors lately and thought this might be useful to those who are relatively new to investing.

Fixing and Flipping isn’t very jazzy, but if you get a great deal you’ll be singing some jazz all the way to the bank!

Home Staging: 50 Tips- Get Started on Your Home Staging Journey

Home staging" was coined by Barb Schwarz back in the early '70s, and the concept has become well known as "house fluffing," "dressing to sell," and "home presentation" to name a few, but the concept has not taken hold among home owners when selling a home because many people do not understand the idea or cannot create a workable plan for staging their home correctly.

The focus of staging is to make a home more marketable by creating the most appealing home to the greatest number of prospective buyers. It should be impersonal enough not to infringe on a buyer's own sense of style.

Decorating is optional. Staging, on the other hand, is essential - that is if you want to sell your house for the most possible money in the shortest amount of time. Staging - it is the difference between ordinary and extraordinary.

Since home staging is truly an essential part of selling your home, I wanted to share these 50 Tips To Get You Started on Your Home Staging Journey.

1. Be sure that your home is staged before you or your realtor takes the photos for the web. Over 70% of all new apartment/home searches are started on the Internet. It is imperative that the property looks good in the photos so that it can attract as many people as possible to see the real thing.

2. You should not have one person look at your house until it has been staged completely. It should not go through the broker walkthrough, MLS, open houses, or anything. Stage first!

3. Kate Hart of Hart & Associates Staging and Design LLC knows that home staging works for all properties regardless of the price point because home staging is about preparing your home for a faster and more profitable sale and marketing your property to the most potential buyers for its target audience. "I have staged homes ranging from $100,000 to $10 million and have had the same result- the homes sell faster and for top dollar compared with the competitors within their price range."

4. If you have dark cabinets, a light colored handle or something in shiny gold will enhance them. If you have light cabinets, you can give them the sleek look by using handles of the same color so that they are hardly noticeable or by using brushed silver handles. With light wood, you can also use darker handles, gold, bronze, or even colors.

5. Sometimes renovations are needed. However, here are five that you should avoid:

- Adding high end appliances to a modest home
- Adding hand painted tiles to the bath or kitchen
- Adding a central vacuum
- Adding air conditioning (unless you are in an area that all homes have it)
- Replacing windows with newer models

6. Be sure to check with your city or county building inspector before beginning a new project. Many departments require permits, even for things as simple as changing a dishwasher.

7. Everything in its place is a good motto to remember. Always find appropriate places to store your items. Litter boxes in the kitchen and trashcans in the pantry are just two examples of inappropriate placement.

8. Julie Dana of The Home Stylist has the following tip: Do not have any cleaning products visible. You want the buyer to think that the house cleans itself. You do not want to remind buyers that there will be work to do in this house, so put away laundry baskets and dish drainers as well!

9. Lisa Wonsey of Space/Lift explains that selling an empty home can be a huge mistake. Buying or renting furniture is especially vital in an empty home. Empty homes do not show well and can sit on the market for months until a buyer with a good visual imagination comes along, or until the seller drops the price so low that the home is a steal.

10. Your refrigerator will need to be cleaned, even if you are not leaving it. People will still look inside and a dirty refrigerator will turn them off. If you are taking it with you, you may as well clean it now. If you are leaving it, then it is imperative to have it sparkling.

11. Ruthanne Hatfield of Art of Interior Placement emphasizes that taking away items is needed, but adding back is essential, too: Each room should be embellished with accessories artwork, mirrors, accent tables, silk trees and florals, as well as dishes, bedding, and towels so all areas look inviting.

12. Check for unusual odors in your house. It may come from a pet or even from your upholstery.

13. Cleaning is rarely fun for anyone, but it does not have to be a terrible chore. Play some fun, lively music. Before you know it, your adrenaline will start pumping and you will be dancing your way through the house.

14. To clean those irritating stains in the bathtub, make a paste by using hydrogen peroxide and cream of tartar. Use an old toothbrush to rub the mixture into the stain and rinse thoroughly.

15. To clean the microwave, fill a paper cup with water and a few tablespoons of baking soda. Nuke it for about 30 seconds, or until you see the contents explode. Then just take a paper towel and wipe it all off. The explosion spreads the cleanser over the entire area, and you can even use the moistened rag or paper towel to wipe outside the microwave and its surrounding area.

16. Mary Larsen of Larsen-Trochlil Designs offers the following professional tip: Do not offer money towards painting or installing new carpeting. Remember, if you are not willing to do it, your buyer is not likely to either.

17. Take a look around you. Do you have items in your home that are unused and have no real sentimental value? If so, get rid of them! These types of items can often be found in closets, cupboards, basements, and garages. Sometimes they are on bookshelves or even in your everyday living space. The more you are able to move out the more the next buyer will want to "move in."

18. If you do not have a plan for what to do with the stuff you no longer need, it will get put in the basement or the attic or the garage or simply stay in a pile in the room where it began. If this happens, then you really did not get rid of clutter - you just moved it to another location. When you are clearing the clutter for home staging purposes, you will have many different piles. Some things may go to a thrift store such as the Salvation Army, some things may go to the dump, some things may go into storage, and some things may be set aside for a garage or yard sale. Knowing what you are going to do with the extra clutter is essential to really decluttering your home.

19. Sylvia Beez of m.a.p. interiors inc. reminds us that: A home for sale should always be presented in its best light and immaculate condition, which is not the reality of everyday life. Potential buyers do not want to see how you live, with your children, cats and dogs, and mess. They want to see themselves in a perfect house under perfect conditions and that is how a home on the market should always be presented.

20. If your kitchen cabinets, pantries, and drawers - even your refrigerator - look jammed packed, it sends a negative message to the buyer. This message is that there is not enough room in your kitchen. If they were looking for plentiful storage space, after opening your crowded cupboards, they will believe that they will not find it in your kitchen. The best way to change this negative first impression is to have as much "empty space" as possible.

21. Marlene Feldman of Marlene Feldman Associates has the following suggestion for small dining rooms: If the dining room has an oversized china cabinet, consider removing it. Or, if has a top and bottom, remove the top. This will open up the space considerably

22. Take a look at your bathroom. If you are like most people, you will find half-used shampoo bottles, a jumble of hair accessories, a curling iron, foam curlers, several cans of shaving cream, tub toys, lotions, medication, books and magazines, oils, candles, toilet paper, and on and on and on. The amount of stuff we store in our bathrooms is far greater than the storage capacity for these small rooms, especially, if like many bathrooms, you have just a medicine cabinet and a very small vanity. The "stuff" that is not in use needs to be boxed up and moved out.

23. Katie Joanow of Star Staging explains that: You should remove extra chairs from the tables. Unless you have a massive space, you will not need more than 4 chairs around a table. Also remove extra leaves from the table. This will make the room feel larger.

24. Buyers want to see your carpet or your hardwood floor or your linoleum. Most home stagers suggest removing all area rugs, unless you have a large area of hardwood, where one rug is acceptable. Area rugs make spaces seem more crowded. Without them, your floor plan opens up.

25. Closets are great for accumulating clutter, though you may not think of it as clutter. Perhaps the clutter is wrapping paper, or Christmas items, or an old sewing machine. Maybe you have some keepsakes, or photo albums. Then of course there are the extra clothes and shoes. None of these things are likely to be in the throw away pile, but they should not be in your closet if you want to reduce the look of clutter.

26. Gail Greer of All Rooms Great and Small gives this tip about painting your home: You need to be willing to change paint colors. There are certain universally accepted colors and these should be used when repainting your home. Yellow or shades of gold are warm and inviting. You should also accent with yellow. Your eye absorbs more yellow and therefore sees it first. Green or blue in the bedrooms are great colors because they are restful.

27. Stand a few feet away from the entrance to the bedroom. What do you see? Whatever you see is the first thing that a buyer will see. Is it pretty? Is it bulky? Does it make the room feel small? Move anything from the doorway that is not inviting.

28. A spare room should be viewed as a bonus. It is a "plus" feature of your home, but only if the buyers can view it as such. For example, if your spare room is used mostly as an office, then, during the selling process,you need to make it just that - an office! Get rid of the spare bed and the extra dressers full of last season's clothes. Get rid of the boxes of storage items in the closet. Keep the essentials of your office such as a desk, filing cabinet, bookshelf, and a nice chair in the corner with a small table and lamp.

29. Holly Weatherwax of Momentum Realty explains that whenever possible, she recommends leaving the garage free from storage. If people see that the seller does not have enough storage and has to use the garage, they will begin to wonder if the same thing will happen if they buy the house. People like to think that they might actually be able to use a garage!

30. Find out what organizations in your area pick up items. Such organizations often include Goodwill, The Salvation Army, veteran's associations, and other local organizations. Another good way to get rid of items you no longer need is to use Freecycle. Here, you can list items you no longer need and then choose someone from a list of takers to have them. The best part is the person wanting the items comes to your home on your timetable to get them. You can find a freecycle group in your area by going to www.freecycle.org.

31. Get everything off the counters. Everything. Remove all appliances from the countertops. Even the toaster. Doing so will make you kitchen look larger and more spacious. It will also keep the buyer's eye from stopping on a particular item rather than getting a full view of the room. Put the toaster in a cabinet and take it out when you use it. Find a place where you can store everything in cabinets and drawers.

32. Charlie Ann Taylor of C.A.T.'S ROOMER has a lot to say about these focal points in your home: The kitchen and baths need to be model perfect because the kitchen and baths sell the home.

33. Have you taken away so much that your home no longer has any sparkle? Although YOUR personality needs to be removed, the personality of the house still needs to come through.

34. One of the most important factors to consider when placing items into a room is the idea of transition. As your eye moves around the room, you do not want it jumping from place to place or piece to piece. The movement of the eye should flow - not bounce. To accomplish this, you want to avoid abrupt changes in height.

35. Gail Jackson of Weichert Realtors explains that home staging does not need to be expensive: Paint is very inexpensive and gives you a big bang for your buck. Although a bit labor-intensive, painting is not expensive and gives your home a new, fresh, clean look.

36. Give each room a touch of the unexpected. This can be done with artwork placed in an unusual way, using a piece of furniture in a way that you normally would not use it, or adding a dash of color where the eye least expects to find it. Be creative.

37. Follow the "like-with-like" rule of the thumb. Tall with tall, small with small, wide with wide, and narrow with narrow will guide you throughout the decorating process. Mimic the shape of each space you are decorating. For example, a sofa should be accessorized with horizontal art so you are complementing wide with wide.

38. Marcia Smart's (Smart Interior Styling) tip is to: Recognize that your major competition comes from newer homes. People will take a newer home over an older home if all else is equal. That is why it is essential to give an older home something that puts it above the rest.

39. My favorite decorating tip is to look outside the box. You do not always need to use an item for its intended purpose. For example, do not just use a tablecloth for a table; make it a slipcover for your ottoman. It can save you lots of money and time when you purchase a tablecloth at a local chain verses buying yards of fabric and by purchasing the correct size it can become a no-sew project. Always keep your eyes open for new uses for everyday items.

40. Select a focal point for your room and subtly orient other furnishings and some lighting toward it. If there is a fireplace, it will nearly always be the focal point; other focal points might be bookcases or built-in shelving to house lovely collectibles, or a sofa with a striking painting on the wall above it.

41. Donna Reynolds of Home Rearrangements explains that there are two times that you can angle furniture: In a square room and if a room already has an angle in it, like a corner fireplace or a bay window.

42. In a bedroom, unless you have no other choice, you want to see the foot of the bed when you walk in. You do not want a bed to cross the doorway because it blocks the flow and makes the room look smaller. It is better to see the foot so that you can see the pretty pillows.

43. One of the easiest ways to create color is to add beautiful accent pillows to any room. Introducing a complementary accent color in a room can make a room "pop" and come alive. Accent pillows not only add color but texture and warmth as well. By adding throw pillows in a coordinating or contrast fabric to a couch chair, bench, or bed, you can transform your room and add instant warmth inexpensively!

44. One way to see if your home has curb appeal is to walk across the street and have a good look at your house. where did your eyes go? They should be drawn to the front door and entryway. If they are not, then you need to do something about it.

45. Kimberly Cash of ASPM Tidewater Home Staging Consultants, Inc. offers the following advice: People do not see their house as a product that you have to market and sell. However, selling your home is like packaging. People look at the outside before deciding to come in. Then they look at the inside before deciding to buy, and it is mostly based on looks. It is packaging. You need to wrap up your product, your home, like a beautiful package.

46. Once you have gotten the front yard in shape, it is time to work on the backyard. The most important areas of the backyard are the patios, decks, and porches. Getting these areas up to date will give the buyers a feeling that they are getting bonus space.

47. New window treatments can make a world of difference. They can add value and style to your home and be something the buyers view as a bonus - something they will not have to buy or replace when they move in. The caution, however, is that you keep the treatments neutral (keep your personality out of the room) and that you make sure they do not block the amount of light that comes into a room.

48. Debra Blackmon of Blackmon Design offers the following suggestion for your windows: Many homes have the louvers of the blinds turned down to face the floor. A more enhancing way to use blinds is to turn the louvers up to reflect much-needed ambient light onto the ceiling.

49. Sometimes, refreshing a room can be as easy as changing a light bulb. Bulbs like GE Reveal filter out yellow rays common in ordinary light bulbs, making colors, fabric, walls, and artwork appear richer, crisper, and more vivid.

50. Add pampering accessories! Things like bath bubbles, fluffy towels, and candles not only add the pampering feeling you are trying to achieve, they offer visual comfort with color and texture as well. Psychologically, we all crave that long soak with a good book, and even if we are only in the bathroom for 10 minutes to whip on some make up, just seeing those items displayed promises wonderful baths to come!

As you know, your home becomes a house - a product for sale. Staging your property gives you a more competitive edge in today's market by transforming it into a marketable product. A staged property helps you sell your investment for top dollar and is the first line of defense over lowering the price. Do not settle for less at the closing table simply because you did not understand the value of staging or did not want to take the time or spend the money to do it properly.

In this world of busy buyers, a property has to be staged to appeal to the their imagination. They want to be able to look at your home and know that they can live there. They want to know that their furniture will fit. They want to know that everything is in "move in" condition. That is why staging is so important. It allows buyers to imagine themselves living in your home with their stuff, not yours.

Presentation is everything and staging is presentation! The result is improved functionality and complementary space. Following the techniques in this book will maximize your equity while reducing the market time for your home.

Author Bio
Teri B Clark is a professional writer and published author. Her most recent book, 301 Simple Things You Can Do To Sell Your Home NOW and For More Money Than You Thought, explains these tips in more detail and offers many, many others. To learn more about Teri's latest book, visit amazon.com.

Berni's comment : Home staging will dramatically improve the sale of your home whether its a luxury home or a cozy bungalow. It is not only reserved for the affluent. I have a background in interior design and decorating and make home staging recommendations to most of my sellers on all budgets . Not one seller has been disappointed with the results.

TRY IT. IT WORKS.

Saturday, November 17, 2007

My JAZZY REAL ESTATE Blog Introduction

BERNADINE PELLICIER
REALTO

To All My Dear Clients,

First of all, I would like to express my deep appreciation for your outpouring of concern, encouragement and understanding following the unexpected death of my mother this past August. The past few weeks have been busy, yet I have been able to manage my personal and professional responsibilities. The good news is that things have calmed down quite a bit on a personal (family) level. Please be assured that I’m still never too busy to serve my clients or your referrals.

As part of my CLIENT APPRECIATION PROGRAM, I’m starting what is possibly the cheesiest web blog you’ll ever read. I’ll include my current seller listings for you to share with others when I'm able to. Several times a month, I’ll try to add articles that I think you’ll find interesting. To add the “cheesy” factor will be some of my own personal comments written in my own style! (So sorry- to all English majors). Please remember that this blog is for my clients that are in my CLIENT APPRECIATION PROGRAM and you are the only ones that will be allowed to post comments. Please keep all comments family-friendly and non-controversial.

I recently wrote a jazzy-bluesy uptempo “theme” song for my website. Just think about that. What other Realtor® writes and sings her own theme song?! Okay, okay so I had a little bit of time on my hands… The song is called, “I’m Thinking Springfield” and it’s about the main reasons I enjoy living in the Greater Springfield area. Believe it or not what inspired me to write it was hearing about that contest that different cities named Springfield entered for “The Simpsons” movie! So…since we didn’t win…you’ll get to hear it… Aren’t you excited? Doesn’t this make you feel happy that you’ve read my inspiring blog? Now…as soon as my son can lay down the tracks, what you’ll hear is virtually guaranteed to brighten your day! (mmm…the expression “virtually guaranteed” I learned from reading a piece of junk mail…I like it! I still tossed the junk mail though. )

Please feel free to call me anytime with your real estate concerns or even a simple question that you’d like me to answer. Additionally, if you have a friend, family member or associate that want to sell or buy a home (even investors), remember to call me with their name and phone number and I will follow up with them. I thank you in advance for your efforts.

Please enjoy the days ahead and I hope you experience real jazzy times with family and friends!

Ciao for Now,

Berni

Berni Pellicier
413-263-3811 local or 800-401-2334 toll-free

P.S. By the way, I’d appreciate your help with my 2008 Professional Service Directory. I will contact you with more details. Start thinking of people or businesses you’d like to refer to others.

RE/MAX Teamwork Realty
310 North Main Street ♦ East Longmeadow, MA 01028
413.263.3811 local ♦ 800.401.2334 toll-free office

www.BernadinePellicier.com

Thank you for your referrals♦ I’m never to busy to help others.