East Hampton, NY

sweet and simple: Enjoy your day off! by New York Feng Shui consultant Laura Cerrano

Laura Cerrano Feng Shui Li consultant Wishing you all a happy Memorial Day. Enjoy this excellent New York day with friends, family, and loved ones. Summer is here!!

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*Carole Provenzale has been a Certified Feng Shui Consultant since graduating from the Country's very first School for Feng Shui Studies that was licensed and accredited in 1997. Carole provides on site Feng Shui Consultations Long Island NY, Queens New York and New York City -Hamptons NY.

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New York Feng Shui Manhattan New York City Manhattan NYC Consultant Laura Cerrano is a Second Generation Certified Feng Shui Consultant who has trained with Feng Shui Long Island and Masters from across the Country including Shamans to incorporate Native American beliefs and Space Clearings into her Feng Shui Consulting Firm, Feng Shui Manhattan New York City NY. After co-consulting on site for many years Laura began her own business in 2000 and has a strong client base in New York City, New York, Long Island NY, Queens, Brooklyn, New Jersey and the rest of the New York Tri-State area.

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A friend of mine recently applied for a home loan modification, and ultimately was denied for having too much equity in her home... but that's another story. What I want to share is this. She always paid her taxes and homeowner's insurance herself. After she was denied the modification, she decided to refinance the house at a lower interest rate. After spending what seemed like forever on paperwork for the bank, she was approved and on her was to closing. Here's the interesting part, apparently, since she applied for a home loan modification, it somehow kicked in that her mortgage company paid her taxes for December. She also, not being aware of this, paid her taxes for December. So, when she went to get her closing dollar amount, it was nearly $4,000 more than what she anticipated. The bank had no good explanation except to say because she applied for the home modification, half of her taxes were paid by the bank and now she had a negative escrow and it had to be paid off at closing.

I don't know if anyone else has experienced this, but it was a very unpleasant surprise being she had applied for the modification because she fell upon a hardship. Just a heads up.

My son, Logan just turned five years old as many of you know. And he is a lovely polite boy, very well mannered (if I do say so myself). And one thing he loves is psghetti. He insists on twirling the fork into the spoon to get a nice sized ball of psghetti. The only thing is, well, it's a little messy. He's an adorable boy under all that sauce.

I apologize in advance to all photographers for posting a picture that is far less superior than it could have been. I took this photo through the glass and screen of my bedroom window, rather than opening them to get a clean shot. But, have some compassion for me, it's 29-degrees outside! :)

I was just reading the online REALTOR® Mag which states that sellers have a better chance of selling their houses by using a REALTOR®. HomeGain.com did a survey of 1,000 homeowners; nearly 60% were successful selling their home with a REALTOR® as compared to the 39% that were FSBO's. The survey found that 83% of the surveyed used a REALTOR® while 17% tried to sell it on their own. According to NAR's 2010 Profile of Buyers and Sellers, 88% of buyers were assisted by a real estate agent.

“It is especially striking that home owners fare significantly better in selling their homes using a REALTOR® than selling on their own,” says Louis Cammarosano, general manager at HomeGain. “Due to that relative success, the level of satisfaction in the home selling process is also higher for home sellers utilizing the services of a REALTOR® than those who try to sell their homes on their own.”

I have also heard, but can't remember the source, that sellers make on the average of 33% more money when using an agent or REALTOR®.

Inherent in these statistics is that one is more likely to sell there home using a REALTOR® and will likely make more money when the transaction is completed.