“World's Most Complete Neighborpedia”
Explore:   What's happening in your neck of the woods?

Sarah Reinhart-Friendship Based Real Estate®

Job fillers find Job Seekers on LinkedIn....Can they find you?

I know I sound like a broken record here, but join LinkedIn. LinkedIn will open doors for you that you never thought possible. Originally started as a professional networking tool, LinkedIn is now being used by employers to seek out job seekers! How do they do this? They type in the keywords of candidate characteristics in the search box. If their words match up with the keywords on your profile, guess what? You have officially become a contender. You can also research companies online, network with employees that WORK at that company and look for current job openings. Utilize LinkedIn as much as you can. You will be amazed at the results you get.

BE CAREFUL WHAT YOU POST!

As with anything, there are a few rules to keep in mind when doing your online networking. NEVER ever say anything you wouldn't want a perspective employer to know. Remember that hiring managers ARE GOOGLING YOU and an unsavory post on any of your networking sites may come back to haunt you. And PLEASE do not post any pictures that you wouldn't want your Grandmother (or an employer) to see. Be smart. Keep it professional.

Twitter 101...Why Join?

Join Twitter? If you are an entrepreneur, have a small business of some sort or are a job seeker, Twitter is a wonderful way to connect fast with all sorts of people. You build your network by following others who in return, follow you. It sounds strange at first until you get going. I created my profile in November, but didn't see the value of Twitter until the following January when I started really connecting with colleagues and job seekers, plus all sorts of other interesting folks. You can spread the word that you are job searching. The bigger your "follower" list is, the more people will know this and keep their eyes and ears open for you.

Want a Oasis of Calm? Decorate your bathroom!

Oasis of Calm

However, maybe your personal style runs the opposite direction, and you want the bathroom to be a calming place. To create a calm oasis for yourself, start by decorating the bathroom with lighter colors. Lighter colors make the bathroom appear to have more space. Also, lighter colors can often modify a person's mood. Use pale shades of earth tones, blues, greens, rose and lilac shades in your accessories. If you do not have an allergy to it, keep the theme of the bathroom being a calming place by adding lavender scents to the bathroom. This can be in the form of decoration, or it can be in the form of various kinds of soap. Decorate with natural materials such as rattan and stone, and add real or fake plants.

The basics of a Reverse Mortgage

If you're planning to apply for a reverse mortgage, your home's value is probably the most important variable used to determine how much money you can get out of your home.

An official appraisal conducted by a licensed appraiser tells your prospective lender how much your home is worth, which helps them calculate how much your payout will be.

Here's how the home appraisal process works:

As the borrower, you're responsible for paying the appraiser. Most appraisals cost between $350 and $500, and you may have the option to pay for it up front or have it taken out of your reverse mortgage payout.

The official appraisal covers several things:

Interior: An appraiser will take note of the size and style your home, the materials used in your cabinets, countertops and flooring, and any upgrades you might have made, according to Alan Tuchfeld, a certified residential appraiser at Integrity Appraisal Services in Littleton, Colo. For instance, carpet is standard. Hardwood is an upgrade. Oak kitchen cabinets are standard, and better wood like maple or cherry is an upgrade. Formica countertops are considered standard, but ceramic, granite, slate and marble are a plus.
Structure: Your appraiser will also take into account your home's air conditioning and heating, the electrical system, whether your basement is finished, the condition of your roof and attic, the size of your garage, your foundation, yard, and your proximity to water and sewer lines.
Condition: Your appraiser will look at the condition of your home, see if you've remodeled and take measurements and pictures, says Bonnie Nach, an appraiser at Sullivan Appraisal Services in Oakland, N.J.
Neighborhood: Information on your neighborhood, including your town's unemployment rate, gentrification and nearby residential and commercial properties also go esinto an appraisal, says Mark Marden of Marden Appraisal Services in Washington, D.C.
Safety: Reverse mortgage paperwork going to the Department of Housing and Urban Development may require more detailed information, including whether your home complies with certain HUD safety requirements, such as the presence of handrails by stairs. Some appraisers may charge more for this.
If your home does not comply with safety requirements, your appraisal amount may only be valid if you make certain repairs before you get a reverse mortgage.

At the bottom of the appraisal report, we'll say the value is either as-is, or it's subject to repairs and list all the repairs that need to be done for appraisal to be valid.