Tyrone Brown

What is a ARM?

When you decide to purchase a Home there are many options of financing available. it can just be difficult to find the right one for you.

Adjustable-rate mortgage's, or ARMs, contain rates that change according to the market. The rate usually includes the current index, plus something refered to as points to account for the lender's profit. Monthly payments can change at various intervals.

If you opt to choose an adjustable -rate loan you have even more options. There are ARMs with interest rate caps and others that contain payment caps. The interest-cap loans set limits on how low the rate can go at each period of adjustment.

The payment-cap loans put a limit on the amount of the monthly payment and state that the payment cannot increase by the certain percentage, even if the rate rises.

Brought to you by Tyrone Brown at Kellers Williams in Tacoma & Olympia Washington

Clearing the Closet Clutter

With Todays hectic lifestyle, many people are searching for ways to simplify their lives. The best ways to make more time for you, while still meeting daily demands, is to become more organized, and the number 1 area most people could use some organization is their closet.

You may choose to have a custom closet built or purchase one of the many closet organizing systems available on the market today. The first step, however,, is too sort your clothing, accessories and shoes to see exactly what you have. This is also a good way of getting rid of the some of those things that you haven't worn in quite a while. Divide your clothes into categories of the similar items such as shirts, sweaters and pants etc. Then divide into smaller groups either by style or color.

You should now have a goof idea about your closet needs and can begin selecting features for custom closet. Custom closet options inclide pull-out brackets, shoe rails, wooden pant and tie racks, hidden portable laundry hampers and adjustable shelving in a variety of finishes.

Brought to you by Tyrone Brown at Keller Williams in Tacoma & Olympia Washington

Winter Is fast Approaching

Here is a to do list to prepare fro the winter:

Install a Programmable Thermostat: Use it to automaticall control the heat when you are not home and overnight while yo are sleeping.

Check if Cold air is getting into your house: If your house is drafty, you may need additional insulation.

Use Drapes: Where windows fce the sun, keep the drapes open in the day, but close the drapes at night. Keeping the drapes closed will reduce drafts and you'll reduce heating costs.

Repair Windows: Even a crack drives fuel bills up. Got a loose window? Install weather -stripping it helps cold air out of the house.

Install Storm Windows: Remember to put them down once winter begins. They pay for themselves by keeping cold air out and preventing moisture from collwcting on the windows.

Close storm doors: Seals air leaks by caulking and weather-stripping doors.

Clean your fireplace: Call a professional chimney sweep to perform your annual fireplace inspection.

When not in use close your fireplace flue to keep drafts out.

Avoiding Road Rage

Commuting to and from the office , driving to showing and scounting neighborhoods can mean alot of time spent in the car. Traffic and rude drivers can be frustrating, but as temping as it may be to react to theses stressful situations, please resist the urge to make a bad situation worse.

*Follow the rules of the road: Avpid dangerous behaviors as speeding, taingating and erratic lane changes.

* Plan Ahead: I know we are all in a hurry, But give yourself plenty of time for delays.

* Don't respong to Aggression: And what ever you do please no eye contact. Although yo may want to tell drivers how yu feel about their driving there is no way to really know what frame of mind another person is in and you don't want to cause a escalating in the situation.

* Never Get out of the Car: A verbal confrontation is not worth the risk of violence. If another driver confronts you lock your doors and close your windows. Try and drive away, if you are not able and have a cell phone call the police.

Brought to you by Tyrone Brown at Kellers Wiliams in Tacoma & Olympia Washington

Preventing Plumbing Problems

In the bathroom

* Hair is the number 1 cause of clogged drains. Put strainers in your tubs and showers to trap hair and keep drains flowing smoothly-be sure to clean then regularly.

* Do not attempt to flush facial tissues, sanitary products or diapers. Anything other than toilet paper should be thrown away in the trash, not the toilet.

* To remove unattractive mineral deposits, pour one cup of vinegar into a plastic bag and attach over the shower head or faucet with a rubber band. Allow to soak overnight, then remove, wipe off mineral deposit and rinse.

In the basement

* Keep odors from backing up into your home by periodically pouring a bucket of water down the drain. This will keep the seal intact and remove any sediment.

*Check your water meter when no water is being used, then check it again several hours later. If you notice a significant change in the reading, you may have an undetected water leak.

* Annually check the hoses on your washing machine for signs of cracking or weak spots. Replace if needed.

Brought to you by Tyrone Brown at Keller Williams in Tacoma & Olympia Washington