PhillyBrickHouse

2011-03-24T05:58:00.000-07:00

Appliance Maintenance: Refrigerators

Keep your refrigerator running efficiently and reliably with this simple maintenance routine. Read
Appliance Maintenance: Water Heaters

Keep your water heater running efficiently and reliably with this simple maintenance routine. Read
Appliance Maintenance: Heating, Venting, and Air Conditioning (HVAC)

Keep your HVAC systems running efficiently and reliably with this simple maintenance routine. Read
Appliance Maintenance: Clothes Washer & Dryer

Keep your clothes washer and dryer running efficiently and reliably with this simple maintenance routine. Read
Is an Extended Warranty Right for You?

Since extended warranties often cost as much as an appliance repair, you might be better served saving that $100-$300 for when you need it. Read

Visit houselogic.com for more articles like this.

2011-02-26T07:31:00.001-08:00

Listen to internet radio with motherincharge on Blog Talk Radio

OWNing is really everything

2011-01-31T05:19:00.000-08:00

On the first day of this exciting New Year I was anxious to check out the lineup on Oprah’s new television channel, OWN (Oprah Winfrey Network). Mainly because I have been observing the unbelievable business mind she has and implementing some of her philosophies into my own career. But also, because I had recently caught an interview she did with Barbara Walters a few weeks prior where she mentioned that network ownership was a dream come true and a dream accomplishment even for her, a woman who amassed billions as a time slot renter on ABC for the past 25 years. I’ll take this page out of the life journey of Oprah, Bob Johnson (former owner of BET, Charlotte Bobcats, and much more), Earvin “Magic” Johnson (Magic Johnson Enterprises), Napoleon Hill (author of Think and Grow Rich), owning something has tremendous value be it financial growth or improved quality of life.

I immediately translate this thinking over to the world of real estate. Despite recent attempts of some to bad mouth the concept; owning a home is still a core component in living out an American life. Home ownership is a gift from you to yourself, so prepare yourself to qualify to own and maintain a home. Home ownership is a major part of a smart life financial plan right now and for the foreseeable future.

I am feeling more and more disagreement as I come across irrational editorial that suggests that renting housing is now a much better life choice than owning housing. It is shocking that so many are so quickly jumping on the bandwagon to bash the concept of home ownership which has been and continues to be widely viewed as a premier component of “The American Dream”. Many of these naysayers don’t specifically advocate renting but they discourage buying. Huh? If you don’t rent or buy…what exactly are your plans for obtaining shelter? Believe me the opportunity to live free and clear in someone else’s rented or owned property is very elusive! I realize that we are now a news cycle society, however, to think that two or three years of an unappreciative housing market would erase the very foundation of dreams handed down for generations (that go too far back to pinpoint) makes no sense. The idea of wealth and progress being driven by land ownership is embedded in pre American Revolution history. But, now in 2011, owning property is deemed to be a bad idea? This is irrational at best. At a minimum the financial side to real property ownership still stands up against renting. You can crunch numbers on home owning given many specific scenarios and some situations amount to appreciation and a profit, some are breakeven, and a very few result in loss (most due to the timing of a sale that could have been accelerated or postponed to avoid a loss). Even more, a family home bequeathed to children passes financial gain onto another generation. On the contrary, a rental situation has no profit or breakeven under any conditions and never qualifies as a family heirloom.

People got hooked on the notion of generating profits from their primary residence only in recent times. My parents bought their first house only thinking of eventually getting something close to what they owed on it and one day moving into a bigger home. Their main focus was to give us the shelter and space we needed as a family. They aimed to provide themselves and their children a place of their own to always call home…to create years of memories and accomplishment. They desired to own a place and to be part of a neighborhood and community. A two, three, or four bedroom home where we could select paint colors and plant a tree and flowers in the garden or install a swing set and let the dog run around the yard. A place to live that didn’t have a lease end date or an unsettling month to month arrangement.

These dreams and desires live on for my generation and the next. Every day, I meet people who are excited about putting down roots and establishing a life anchored in a home. Many, who are now all the wiser, recognize that owning a home is not an entitlement but something reserved to having made the decisions and sacrifices to build credit and other resources to be in a position to purchase. Hopeful homebuyers are more and more aware of the requirements of budgeting so they can continue to meet the obligations of their homes. Discouraging the next generation from home ownership is a disservice to them for their quality of life and for the economics that will impact them. There is housing stock that should not be left unused. There are not enough real estate investors out there to buy the housing inventory and then market it all for rental. Consequently, shortages of owner occupants often results in deterioration of neighborhoods because absent landlords and disinvested tenants are poor substitutes. I suggest to future buyers that they not pursue larger or more luxurious homes than they really need and that they be conservative in their buying. Albeit, there are some markets where prices of upscale inventory are suddenly so lowly priced that even a first time buyer may land a large single detached well appointed home that on a monthly basis costs the same as a modest row, twin, or town. Additionally, some builders and lenders are offering unbelievable 30- year fixed mortgage rates, as low as 1% and waiving mortgage insurance premiums, which could make a payment on a larger home very affordable. Particularly, banks that are hoping to unload foreclosure inventory may try any of these incentives if you agree to use them as the lender. But, where that is not the case, a row, twin, or townhome offers a conservative starter home opportunity that potentially has more affordable taxes, utility, and upkeep expenses. I continue to encourage home ownership and work to help others achieve it. While home ownership is not for all of us it is the right life style for most of us. Home ownership matters to me and it’s a reflection of who I am.

The contributing writer, Aleshia Shorter, is a Realtor ™ licensed in Pennsylvania and affiliated with Keller Williams Real Estate in Media, PA. She is also the CEO/Owner of ANS Investments and Holdings, LLC real estate investment and management firm. Please feel free to contact her at (610) 565-1995 or Aleshia@aleshiashorter.com.

Good Ideas for making small rooms look bigger

2010-11-27T17:39:00.000-08:00

I see lots of mistakes made with small rooms when I meet with home sellers...I'd love to see clients making use of these really awesome suggestions!

For Your Clients: 10 Ways to Make a Small Room Look Larger

Borrowed from Philadelphia Weekly...good read on Vacant Philly lots

2010-11-18T10:14:00.000-08:00

The Ugly Truth About Philly's Vacant Lots | News and Opinion | Philadelphia Weekly

Drexel Hill Loehmann's Closed?!!

2010-11-18T09:33:00.000-08:00

Discount retailer Loehmann’s files for bankruptcy | Philadelphia Inquirer | 11/15/2010

Does robo signing have a Philadelphia impact?

2010-11-18T09:29:00.000-08:00

Foreclosures: Banks’ big mistake

October Gallery This Weekend Philadelphia!

2010-11-12T07:54:00.000-08:00

October Gallery Network, African America Art Gallery - Octobergallery.com is the online Black art, Fine art and print super source

Wells Fargo to amend 55,000 foreclosures - WTAQ News Talk 97.5FM and 1360AM

2010-10-28T10:04:00.000-07:00

Wells Fargo to amend 55,000 foreclosures - WTAQ News Talk 97.5FM and 1360AM

Pros and Cons of Buying New Construction

2010-10-19T14:08:00.000-07:00

Let's Slay Breast Cancer!

2010-10-17T11:37:00.000-07:00

Click Here to Donate a Free Mammogram

The Good Neighbor Landlord

2010-10-07T13:35:00.000-07:00

Many neighborhoods go from glory days to undesirable as homeowners move out and never look back once they've rented their property or sold it to investors. You hear the complaints from people about neighborhoods that have too many renters and how run down the neighborhood has become because of the absence of actual homeowners on the block. Yes, in some cases, renters can be blamed for a blantant "it's not mine attitude" that leads to over grown grass and debris and trash in yards and on sidewalks. However, the finger should also be pointed at the property owner. Being a landlord does not mean only showing up when there is a problem receiving the rent. There should be rules in the lease that address the upkeep of the yard, disposal of trash, not having equipment and miscellaneous items outside on the premises. Landlords should ensure that they are not purchasing property to buy and hold, creating blight on the block. Landlords should be ensuring that the building exterior is attractive and maintained. Landlords should take the time to screen tenants, leasing to those who will not be a noise disturbance. We need more conscientious landlords who care about the neighborhoods where they own property and earn income.

Reduce the risk of having mold in your home

2010-10-06T12:18:00.001-07:00

Mold thrives in dark, damp places. Let the light in, open windows, and use intake fans in your basements and your bathrooms.

(610) 565-1995

2010-10-06T12:16:00.001-07:00

Call me for immediate help with a short sale or other pre-foreclosure situation.

Places to live in the Philadelphia Area

2010-10-06T06:04:00.000-07:00

When you are preparing to relocate to the Philadelphia area, as I did four years ago, determining where to live is the first hurdle. I originally thought only of the heart of the city. Being very unfamiliar with the region, I asked co-workers and friends for recommendations, I got a lot of fragments of info. The metro area is a little complex and to add to it some will suggest Delaware and New Jersey communities. So, first, you'll need to know that you indeed are only looking at one state or the other. If you are only going to consider Pennsylvania (either because of proximity to a place of work or info you've discovered regarding property taxes, commuter options, traffic patterns,community life, natural setting, weekend life, shopping and services, places of worship, school systems, etc.) then here is the overview of the City of Philadelphia and it's surrounding communities that you have been seeking. The City of Philadelphia was founded in 1682, hence, it still has the large amount of housing stock that is the oldest in the country. When I was considering purchasing a home in the City of Philadelphia I began my search in Center City and the lines quickly blurred into adjacent neighborhoods of Graduate Hospital, Bella Vista, Greys Ferry, Art Museum, Fairmount Park, Brewery Town, Manayuck, East Falls, Roxborough, Chestnut Hill, Germantown, Overbrook, Mt. Airy, and South Philadelphia. Of course, there is Society Hill and Rittenhouse Square...but these never made the list for my price range. In each of the neighborhoods closest to Center City I found an abundance of renovated row homes some very fancy with rooftop decks and attached garages. Many that I absolutely loved. However, I was not used to the often very narrow, sometimes too dark streets, limited street parking and some still very transitional blocks. Ultimately, I did not want to deal with the parking obstacles and the deal breaker, homes without exterior access to the rear. Having lived in three other cities I had always had the ability to "come in through the back" this was not the case with many of the South Philadelphia, Greys Ferry, and Graduate Hospital homes that I toured..."Deal Breaker" for me. I did have an interest in many of the homes in Chestnut Hill, Mt Airy, Overbrook, Wynnefield Heights, and Germantown...a few singles and a number of twins stayed on the list as I took my search to the Philadelphia Mainline. So, someone try to explain the "Mainline" to me? I decided it was best to research it on the internet. So, you too can read about the Mainline on Wikipedia. This search ultimately took me to visit, briefly, a few communities in Montgomery County and more extensively in Delaware County. (I did not search Chester County or Bucks County, but they too have good proximity to Philadelphia). I bought my home in Delaware County. Since living here, I have learned the various townships and boroughs and come to love it. Each of the communities is different. Many people try to categorize counties in one way, but that really cannot be done. It takes some research and soul searching to know where to live...and each of us as varying reasons unique to us. A lot of what exists in one County exists in the others within the various townships and specific boroughs, you just need someone who is knowledgeable to present the options for you. As a Pennsylvania Real Estate professional, I now have pleasure to showing clients all of these locations each and every day. When you need to find your place, call me at (610) 565-1995 so I can get you started with pricing and other info. Good luck with your move to South Eastern PA!!!

Halt on Foreclosures

2010-10-06T06:03:00.000-07:00

http://www.washingtonpost.com/wp-dyn/content/article/2010/10/01/AR2010100105392.html

Beginners Guide to Flipping Houses

2010-10-03T07:15:00.000-07:00

Beginners Guide to Flipping Houses

Seller take back Financing- One Savvy Seller Financing Option

2010-10-03T06:13:00.000-07:00

Don't Sell Your House Without It

10 Reasons to Buy a Home

2010-10-01T07:49:00.000-07:00

REALTOR® Magazine-Daily News-10 Reasons to Buy a Home

Bank of America trying out deeds in lieu of foreclosure on clarkhoward.com

2010-09-13T07:41:00.000-07:00

Bank of America trying out deeds in lieu of foreclosure on clarkhoward.com

Buying A Short Sale-Instructional Video

2010-09-11T12:30:00.000-07:00

Philadelphia Center City District Restaurant Weeks

2010-09-05T08:37:00.000-07:00

http://www.centercityphila.org/life/RWRestaurants.php

Turn in your mortgage for a better one...

2010-09-04T14:53:00.000-07:00

My expert professional refi advice would not have been this forceful a few months ago, but today I frankly say that every mortgage laiden homeowner better at least take a look at a possible refinance. (I have never been known to roll out cookie cutter typed suggestions.) But look interest rates on 30 year loans have been showing up under the 5% mark, plenty of homeowners likely to be staying put for at least another couple of years, could benefit from saving $100-$300 or maybe more per month. Sure, there are some basic "should I refinance?" checklists (there all over the web)you'll want to scan. The "keep the same lender" refinance tends to be simple in process, often no-cost..i.e. no loan fees, title costs, etc. Yes, you may extend back to a 30 year in the process if you are really trying to get the lowest monthly payment; so if you have concerns about adding the years back on be sure to discuss your other options with the loan officer. Perhaps, due to some current existing legislation, you may not need an appraisal or an indepth income verification. You can shop around for other lenders, maybe they offer a better rate than what your current mortgage company is willing to offer, but the process may have a few more requirements..it's a tradeoff you should choose the varibles that work well for you. I've found that rate quotes will not vary much for the individual, since they are driven so greatly by the consumer's credit history. Also be careful not to put in too many applications, which will increase the number of recent inquiries on your credit report. No matter what, do it now, rates may go up and in any scenario do the math, read each of the documents, ask questions, and understand the fine print.

Family Event Philadelphia this Holiday Weekend

2010-09-03T07:56:00.001-07:00

Labor Day Weekend 2010, this Saturday, September 4th check out the Neighborhood to Neighborhood Block
Party

Top 10 Fashion Movies

2010-08-25T13:23:00.000-07:00

Love this post I just read...had to share it with my readers...."thank you" to the author!

Top 10 Fashion Movies

How to throw a Great housewarming party and make your new house feel like Home!

2010-08-23T17:11:00.000-07:00

I am thrilled to have had the chance to recently attend a fun, festive housewarming party of a friend. The house is comfy, cozy with three levels of indoor space and perfect entertainment spaces outdoors to boot! My girlfriend has done good~ I love her place of solace and retreat from the world. She has already begun on personalization with artwork, furniture, and decor. So, the first thing she did to make it her home was have it blessed! I love that she asked the Creator to watch over her and her family in their new place. Then, for the party planning. There were invites through Facebook and Evite. Roughly 42 were invited to a 8pm-"until" event. And my best guess, 42 showed. It was a nice flow of seen and be seen folks. Everyone looked happy, relaxed, and fashionable..she happens to hang out with a nice looking crowd! There was a chef, who came with plenty of great cuisine. My friend's party libation has something to do with rum....very tasty. This housewarming was designed to morph into a birthday party (the hostess's bday would arrive at midnight) and with that came a surprise from friends...a Michael Jackson impersonator! Yes, by now this house is all warmed up!!!! I'd like to thank the hostess for having such a great party and once again congratulate her on her lovely home!

Homeowner Flood Woes, Demolition costs and stuck with a 30 year mortgage!

2010-08-18T12:48:00.000-07:00

Recently flood waters did a great deal of damage in the Greater Milwaukee area, which is my original home. I have heard from many about the basements that flooded and items that were lost. Some due to sewer back up some due to rain water accumulation, or swollen water ways. Many are hearing "NO" from insurance companies. As a real estate professional I want to get the word out so that others understand what could happen post flooding. Yes, the insurance companies will say "no", but even further, the city/municipality will bill you for the cost of demolition if the home becomes deemed an unsafe structure, finally, the mortgage company will NOT forgive the balance of the loan! These are all things to ask about as loan docs are presented pre-closing on a new mortgage or a refinance. Also, asking the insurer if the policy will cover a needed demolition is wise! Watch the video show casing the misfortune of a Milwaukee homeowner, Tanesha James. My heart goes out to her and the other recent and not so recent flood victims in the world. This is a likely a precursor to filing bankruptcy for most.

About : Project Working Mom: Scholarships for Working Moms and Dads - eLearners.com

2010-08-13T13:40:00.000-07:00

Check out Project Working Mom: Scholarship for Working Single Parents. I spent a year working at ACHIEVEability and it brought the social challenge of family poverty to the front of my everyday thoughts. While I knew at a distance that single parented families faced a set of unique challenges in terms of having enough income to rise above poverty levels; I never was previously very compelled to make any analysis of the those challenges. ACHIEVEability has built a full self sufficiency model from an education base. Requiring all program participants to pursue higher education in order to become more employable and obtain jobs at higher compensation levels. Scholarships and grants are what is needed to make such a model work well. It's great to see a campaign such as Project Working Mom serving this need!!!

Nicolet High School Glendale WI Flooded

2010-07-26T06:58:00.000-07:00

I am so saddened to hear about the flood at Nicolet, the high school I attended in Glendale, WI. Luckily, students are on summer break. The report indicates that administrators are hopeful that the building will be back in service by September. I am especially glad that my parents' home was not flooded, they live across the highway from the school only on slightly higher ground.

I have not walked the halls or seen the interior of the school in over twenty years, seeing it after so many years in the video brought back memories of a great time, unfortunately seeing it under water takes away from the nostalgia.

Philly heatwave break

2010-07-26T06:48:00.000-07:00

Finally! A break in the terribly hot weather, Monday is usually the dreaded day of the week. I am loving this Monday, sunny shine, a nice breeze, and cooler temps! Windows down, music up, off to today's appointments!

Glenolden concert set July 28 - The Delaware County Daily Times : Serving Delaware County, PA(DelcoTimes.com)

2010-07-21T06:39:00.000-07:00

Glenolden concert set July 28 - The Delaware County Daily Times : Serving Delaware County, PA(DelcoTimes.com)

The Dell Music Center brings more summer outdoor concerts to Philly

2010-07-19T18:23:00.000-07:00

I've always loved summer outdoor concert venues and I am putting this one on my "go to" list, along with Rock Creek Park's Carter Barron and Fort Dupont Park (my DC faves).

Some bands are legendary for their outstanding outdoor venue performances...Frankie Beverly & Maze fans know what I'm saying! Check out Fairmount Park's Dell Music Center's schedule, some shows are just $10.00 for lawn seating! Maybe I'll see you there on a breezy summer night in Philly.

Wegman's now open in Malvern, PA

2010-07-19T18:17:00.000-07:00

Check out the new Wegman's

700 S. 13th Street, Philadelphia

2010-07-10T09:29:00.000-07:00

New listing!!!! Must See~! Call me. This beauty is at 13th and Bainbridge! Location, Location, Location~! Four bedrooms, 2 full baths, and Central A/C...with a patio and private parking!

PRESS PLAY!

New Listing!!!! Nice 3 bedroom Chester City, PA! Call me!

2010-06-02T09:26:00.001-07:00

Lady Lena Horne, Unmistakable Beauty

2010-05-10T17:42:00.000-07:00

The remarkable, elegant, beautiful Lena Horne died at age 92 on Mothers' Day May 9, 2010.

LOSS OF A GREAT LEGEND AND TRUE AMERICAN HERO DR. DOROTHY HEIGHT

2010-04-20T11:44:00.000-07:00

The passing today of Dr. Dorothy Height ways heavily on my heart and on those of millions. I first heard of Dr. Height during my student days at Howard University, during a time when I actually lived in off campus housing just doors from the offices of the National Council of Negro Women. Over the years as a DC resident, I came to know of Dr. Height's pioneering spirit. I also took an opportunity each year to join in at the Black Family Reunion on the National Mall where I could often catch an in person glimpse of Dr. Height embracing all the people she worked so tirelssly to impact. As I've grown older I am more in awe of how this beautiful woman of strength gave so much to each of us and left a legacy for women of all races and and picture of a woman that black women could be so proud to mirror. I enjoyed reading the USA TODAY article today that included a photo of Dr. Height and First Lady Obama together. Today, being my birthday, a great time of personal reflection; I am hoping that I can take a little of what this great woman has given and replicate it within my own circle of influence.

To Hostel or not to Hostel

2010-04-20T08:41:00.000-07:00

After many years working in the hotel business...at some really nice Marriott hotels and a Ritz Carlton, I suddenly decided to do some quick research on the concept of hostels. So, a few clicks on the web lead me to search on whether or not the pricing is so affordable that one would have to consider sharing a common sleeping and washing space with strangers while on travel. So I did quickly find a "dorm bed" in Washington DC for forty bucks....yes, definitely cheap. So my next concern is are they safe...of course, the websites I found said beyond the very uncommon infrequent occurrences of small theft, they are indeed safe...and some of them offer lockers if you bring your own padlock.

I am still not going to be a hosteller. It's just not for me. I'll search the hotel sites for affordable rooms when I have travel on the horizon, I'm not twenty and I just require privacy. I am probably spoiled, too, by many years of visiting so many great hotels with great service and accomodations. Actually for me, the great hotel, is part of the whole reason I travel at all. Now, given the chance to do some mission work, I will have to accordingly make the adjustments and see the bigger picture.

I remember meeting a group of American and Dutch hostellers several years ago when I was vacationing in Nicaragua. I was curious about what was at the time a very newly formed concept, as far as I knew. They made it sound so "hippie" with quite a bit of inuendos about weed smoking. I think this experience fits some, is a cheap way to see the world, but does not make my list. If my nieces tell me they plan to stay in a hostel I'd be a little worried about letting them go.

7 Ways a Layoff Can Make Your Life Better

2010-04-19T06:36:00.000-07:00

7 Ways a Layoff Can Make Your Life Better

2010-04-03T04:23:00.000-07:00

"An inclination join'd with an Ability to serve mankind, one's Country, Friends and Family ... should be the great Aim and End of all learning.'

Benjamin Franklin"

Additional SCHOLARSHIPS

2010-04-02T09:03:00.000-07:00

"AFRICAN AMERICAN STUDENTS ARE NOT APPLYING FOR SCHOLARSHIPS
: Even if you do not have a college-aged child at home, please share this with someone who does, and to anyone and everyone that comes to mind. Though there are a number of companies and organizations that have donated money for scholarships to African Americans, a great deal of the money is being returned because of a lack of interest or awareness. No one is going to knock on our doors and ask if we can use a scholarship. Take the initiative to get your children involved. Money shouldn't be returned to donating companies because we fail to apply for it. Please pass this information on to family members, nieces, nephews, friends with children etc. We must get the word out that money is available. If you are a college student or getting ready to become one, you probably already know how useful additional money can be. (If clicking on the link doesn't work, then type in the Web site address manually.)

8) Sports Scholarships and Internships http://www.ncaa.org/about/scholarships.html
9) National Assoc. Of Black Journalists Scholarships http://www.nabj.org/html/studentsvcs.html
10) Saul T. Wilson Scholarships (Veterinary) http://www.aphis.usda.gov/mb/mrphr%20/jobs/stw.HTML
11) Thurgood Marshall Scholarship Fund http://www.thurgoodmarshallfund.org/sk_v6.cfm
12) FinAid: The Smart Students Guide to Financial Aid scholarships) http://www.finaid.org/
13) Presidential Freedom Scholarships http://www.nationalservice.org/scholarships
14) Microsoft Scholarship Program http://www.microsoft.com/college/scholarships/minority.asp"

Tap into SCHOLARSHIPS

2010-04-02T08:48:00.000-07:00

"AFRICAN AMERICAN STUDENTS ARE NOT APPLYING FOR SCHOLARSHIPS: Even if you do not have a college-aged child at home, please share this with someone who does, and to anyone and everyone that comes to mind. Though there are a number of companies and organizations that have donated money for scholarships to African Americans, a great deal of the money is being returned because of a lack of interest or awareness. No one is going to knock on our doors and ask if we can use a scholarship. Take the initiative to get your children involved. Money shouldn't be returned to donating companies because we fail to apply for it. Please pass this information on to family members, nieces, nephews, friends with children etc. We must get the word out that money is available. If you are a college student or getting ready to become one, you probably already know how useful additional money can be. (If clicking on the link doesn't work, then type in the Web site address manually.)
1) BELL LABS FELLOWSHIPS FOR UNDER REPRESENTED MINORITIES http://www.bell-labs.com/fellowships/CRFP/info.html
2) Student Inventors Scholarships http://www.invent.org/collegiate/
3) Student Video Scholarships http://www.christophers.org/vidcon2k.html
4) Coca-Cola Two Year College Scholarships http://www.coca-colascholars.org/programs.html
5) Ayn Rand Essay Scholarships http://www.aynrand.org/contests/
6) Brand Essay Competition http://www.instituteforbrandleadership.org/IBLEssayContest-2002Rules.htm
7) Gates Millennium Scholarships (major) http://www.gmsp.org/nominationmaterials/read.dbm?ID=12"

The New Mortgage Revolution: Walk Away

2010-01-26T05:05:00.000-08:00

The New Mortgage Revolution: Walk Away

Attention Home Sellers...please meet Today's Buyers ISO of an affordable, well maintained home

2009-07-11T14:09:00.000-07:00

luring-first-time-buyers-5-tips-to-beat-the-competition-sell-your-home

Michael Jackson Memories

2009-06-27T15:28:00.000-07:00

I can't let the passing of pop icon Michael Jackson, the King of Pop, go without mention on my blog. My preteen/early teen years cannot be described without mention of the Thriller album poster that hung on my bedroom wall for about two years. I just loved Michael...his hair and how simply fine he looked in that white suit. My Mom let us scratch up her album listening to "You are the Lady in my Life" and "PYT" over and over again. And, it was just this February that I sat down at the computer one day out of the blue and downloaded all of Michael Jackson's hits from Itunes. I reflected on how one summer I had puppy love for a boy in my neighborhood visiting his relatives, I fell for him because we all thought he looked a little something like Michael Jackson. I got so embarrassed and humiliated by this rotten boy when he told one of the older girls that he fell for that I liked him! I decided then that he was no Michael Jackson who I knew to be way nicer than that. Michael Jackson moved to music like no one else I've ever seen. Instead of him dancing to music it seemed to have played to him. He could bounce and pop to a beat in complete rhythm. I am in complete awe of his raw talent. He was pre hip hop, sold millions, no cursing or degrading. He created style after style, everyone wanted the glove, the jacket, the socks, and the moves! After Thriller my interests in Michael waned, but he had me once again with Dangerous. I remain in admiration of his philanthrophic spirit, love for those with less, appreciation for animals, and willingness to still love people (even though I think people's interest in him caused some terrible damage to his life). While what he did gave me so much in my teen years, I don't think he ever got a chance to experience life as a teen should. My life continues to be blessed by all the music he made so many of his songs stimulate me in a way that I do not get from any other artists' recordings. I know that Michael Jackson will live on and on through Don't Stop Til You Get Enough, Rock with You, Wanna Be Startin Somethin, Off the Wall, Remember the Time, Jam, Can't Let Her Get Away, Bad, Man in the Mirror, ...the list goes on. I pray that heaven is blessing him with peace and the ability to just walk around freely!

Letter from Aunt to Niece

2009-06-10T12:36:00.000-07:00

I have a niece graduating from middle school this month...I am the oh so proud Aunt who wants to be there every step of the way, but accept that that is an impossibility. She has been a good girl, gotten extremely good grades and stayed sweet and engaged through her young years. She just turned 14! I know many of us hold a special place in our hearts for nieces and nephews and feel in some way we can share the things we've learned and help them along a slightly easier road than the one we took. I have decided to share my letter to her with my readers.

Dear My Sweet and Beautiful Niece Tristen,

As you move on from Middle School to High School the best gift I could think of to give you was my love and my thoughts about things in life that I have experienced. I know you may have your own opinion about a “good gift” , but I hope you will understand why I thought this to be more valuable. I know that you may also have your own opinions on the things I write in this note, my opinion is not necessarily better than yours, I am just giving you some additional perspective...

High school is a good time to set a tone for your life…a prelude to the person you see yourself becoming…the intellectual, the athlete, the social butterfly, fashionista, conservative, politically /socially aware, flamboyant… a self created mix of them all. Explore what really interests YOU! Also, know that this is an ongoing part of life you will evolve into many personalities and personas over the many years, but there will always be an underlying theme.

Don't get too caught up in the small things – homecomings/proms, who said what, who's dating who, all that nonsense - because in the grand scheme of things it doesn’t matter. Keep focused on your studies and having fun with your friends… do what you think feels right , what you think is fun, stay friends with people who you know value you (because they demonstrate it) and keep in touch with them. You don’t need to be in a clique..just hang with people who are on your level of thinking and kindness…those who elevate you and themselves not those who say and do degrading things.

Your friends are just that, they should not and do not define you…be yourself and spend some time reflecting on who you really are and why you (and everyone else who loves you) like that person so much

Stay committed to your studies and good grades…but know that one bad score does not crash the world..pick your self up and do better on the upcoming tests, papers, projects…keep knowing that you can and will graduate at the top. As you go through each of the 4 years, keep in mind what you want out of life…college you want to attend, career you want to have, other goals.

School work first! But… then, friends, social activities, and other school activities should be prioritized in the way that makes you feel most satisfied and successful

Listen to your heart; people will say and do things - if it doesn't feel right - pay attention

It may be tough not to follow the trends, but it will be better in the end…do what Tristen enjoys not what everyone else is doing!

When you feel like you don't belong and you're unsure of yourself, don't forget that everyone else feels the same way, even if they don't show it

Don't put anything on Facebook or Flickr you might regret later

Get involved and try new things. There are things outside of high school that help teenagers realize that there is more to life than what happens within those walls. Challenge yourself to focus on the things you want, not the things you think other people want you to be….making your parents proud will be a direct result of making yourself proud! You'll make mistakes and learn lessons beyond the books and lectures, but life is long and 4 years will never define one person. Enjoy the friendships and embrace the challenges and you'll cherish the memories for the rest of your life...even the bad ones that will help turn you into a well rounded person.

Identify some people who impress you…identify those qualities that you most like and implement them for your self….for example your Mom, Dad, grandparents, even ME, someone like Michelle Obama or Oprah, Harriett Tubman, Sojourner Truth!…people past/present you think you look up to. Anything they’ve accomplished you can too!

Get the most out of your classes. Take advantage of the good grades you make that will lead to free trips, memberships, conferences, events and “once in a lifetime” opportunities.

Keep doing modeling for as long as you like it!

HS is a fun and positive time that involves friends, some drama and work. You will be shaping the next decade by your behavior, so try hard to think before you act. Talk to your parents everyday. Stay connected to trusted adults. Know that you can talk to them, your grandparents, or me about anything!

Be a teenager, enjoy being young without taking on any adult responsibilities or problems.

Dating….there is no hurry to start…be smart and selective…ask and be open to your parents’ feedback and advice on when and who to date. Contrary to what’s popular, dating is NOT a must in high school there are plenty of other things to keep you busy.

Take great pictures of all your fun times so you can look back on them, laugh a lot, stay committed to being healthy and happy!

I think you are special and precious, one of God’s greatest gifts and I look forward to watching you go through high school, come into your own, and enjoying the best of what life offers!

I am so happy for what God has done to bless you.

Congratulations on your accomplishments!

R U Thinking about buying Real Estate...then let's discuss your credit and savings

2009-04-07T13:47:00.000-07:00

I meet people everyday who would like to buy real estate and find that they cannot get approved for a mortgage, because they have credit issues. Some are things that will take years to address, however, some may be fixed by taking the right steps over a 3 or 4 month window of time. First, take action, you deserve good credit and you deserve to have the home you can afford and you want to own. Look at your credit report and credit score. Go to www.annualcreditreport.com . Contact a non-profit credit counselor who can help you put things back in order. They are available to help you get your credit straight. They also can explain the financial peices of the home buying process, and help you qualify for grants if you are eligible. You will have to attend their required session(s). Make the time!!!! I also recommend a great book "Girl, Get Your Money Straight" by Glenda Bridgford...yes, even for the fellas! I am excited about the opportunity for First Time Home Buyers to qualify for the 2009 $8,000 credit home buying tax credit, but I am starting to worry that many will wait too late to clean up credit issues or save the downpayment and closing funds to really get in on this phenomenal smart money move!

Why stop Renting???

2009-03-26T08:35:00.000-07:00

Many people have been encouraged to keep renting their homes by the news of late about the housing market. In fact, many renters have been breathing a sigh of relief thankful that they are not amongst homeowners who have lost equity in recent times. But, who's really better off in their lifelong financial disposition? Well, each individual will have specific reasons why one situation better fits them than the other. However, time and time again the real numbers look better for homeowners. Here's my rationale. You need a place to live and it is going to cost you something. Well, a prudent person will determine what their income allows them to pay each month whether it is for rent or mortgage. Let's say it's $1,000 per month. That person will find a rental or purchase a house that amounts to that monthy payment. They will each have an upfront cost either a down payment and closing costs or first and last month's rent. Now, a good renter does get that money back when they move out. Conversely, perhaps the down payment and closing costs will be more, but perhaps it won't. In today's environment FHA is qualifying people with satisfactory credit with a 3.5% downpayment. On a $100,000.00 you put down $3,500.00. Many sellers are offsetting closing costs and Housing Counselors are providing similar assistance. Now, what happens with the $1,000.00 paid every month in the two scenarios? Well, the renter's full $1,000.00 goes to the landlord. For the homeowner a portion goes back into their pocket toward their equity in the house (principal) and the interest goes to the lender. Both people get something...a roof over their heads. But, the homeowner gets a little something more. In the end, with closely the same amounts invested as the renter, the homeowner has a house he/she can put on the market and sell. With this ownership there are insurance, tax, and maintenance costs, but a renter will also have insurance costs albeit those are normally lower when you rent. Additionally, the homeowner will be deducting the mortgage interest they pay each year when they file their annual income tax return. Many people use a Rent Vs. Buy Calculator to help make a final decision. Keep in mind you need to compare apples to apples when using one...don't put in $1,000.00 on the rent side and then compare it to a $300,000 home purchase. Give it a try and let me know what you determine.

Dining Out for Less

2009-03-22T05:53:00.000-07:00

I want to shout out a website that I think has great potential. Restaurant.com is a concept that makes a lot of "cents". Here's how it works...On the site you are able to search for local restaurants and purchase a gift card for that restaurant at a price that is significantly less than the face value of the gift card. Example, buy a $25.00 gift card for just $10.00...basically getting $15.00 worth of food for free when you dine. I love the idea. The site will be better once they are able to secure more restaurants. I find it convenient when I don't really have any particular venue in mind, but simply want to go out and have a good time with family and/or friends. Now, I check this site without fail anytime I have plans to dine. Additionally, I have signed up directly on sites of my favorite restaurants and found they many are offering $25 certificates for doing so! I hope you will give Restaurant.com a try because maybe with more success the site will get more restaurant owners on board! Plus, in this ecomony this is a smart way for you to save money and still enjoy yourself!!! Let me know what you think!

Get Today's Mortgage Rates

2009-03-20T09:04:00.000-07:00

Visit www.bankrates.com

SMART MONEY TIPS

2009-03-20T08:57:00.000-07:00

Sell items that you purchased but no longer use!

www.Ebay.com

Visit Your Local Library!

You can check out books, cds, and dvds!!! It's FREE and easy. You save not only the cost of the items, but possibly shipping, gas, and time! Most libraries are now on line and you can conveniently select your items and have them waiting at the check out desk for pick up.

Thinking of Buying a Home

2009-03-19T09:08:00.000-07:00

If you consider yourself a smart forward thinking consumer, you may be looking to buy a home in 2009. With a new low mortgage rate of 4.68% for qualified buyers and around 5% for even average buyers; a $8,000 homebuyer tax credit, and affordable homes on the market...NOW is really the time to buy!!!! With all this in mind, taking the first step of checking your credit is essential. Go on line to www.freecreditreport.com to retrieve your credit reports for Experian, TransUnion, and Equifax for free!!!! What a great idea to check your report annually for free and get prepared for making a major purchase like a home!!!

Women of Courage

2009-03-19T08:30:00.001-07:00

Life in Philly....walk through City Hall

2009-03-04T06:48:00.001-08:00

I am feeling a great affinity for the City of Philadelphia today! I think this is an awesome shot that will be recognized by all Philadelphians as a walk they've probably made over and over again themselves in one of our most historical and familiar places in Philadelphia. Most of you know that as a long time DC resident, I have loved all things Washington DC for a long long time, but this may be evidence that I am falling for Philly too! One day, I will post my top ten favorites of both DC, Philly, and maybe even a few of my hometown Milwaukee, WI favs too!

Mrs. (First Lady) Obama's official White House Picture

2009-03-03T07:08:00.000-08:00

What a lovely photograph! I love the simple black dress and pearls. Mrs. Obama is quite simply regal and elegant. A sleeveless First Lady in "the" official picture is reportedly a first. However, we have seen many other pictures of another very regal First Lady, Jacqueline Kennedy, looking lovely in sleeveless attire. I give Mrs. Obama a thumbs up and commend her on being confident, at ease, and proud of femininity. Way to go Mrs. Obama!

SHOPPING SMART TIP

2009-03-03T06:55:00.000-08:00

Buy used For items such as books, CDs and furniture, buy online at discount and auction sites. Take advantage of free shipping offers!

PBS delivers more quality television

2009-02-27T21:39:00.000-08:00

Here I am baby, signed, sealed delivered...

I am always grateful for PBS television and I have been an avid watcher since childhood. It is no surprise that this network delivered last Thursday night the airing of Stevie Wonder In Performance At the White House. If you missed it on local television, the full broadcast is available at this link http://www.pbs.org/inperformanceatthewhitehouse/. With the incredible Stevie Wonder as their honored guest, the First Lady, President Obama, and artists such as India Arie, Martina McBride, Mary, Mary and so many more made this an incredible and memorable event to watch. Enjoy!!!

Laura Izibor

2009-02-27T21:16:00.001-08:00

Live at North Sea Jazz: I took a liking to Laura Izibor back in late 2006! I immediately liked her music and loved her style and Irish accent. I just heard her song being played on local Philadelphia radio 105.3 a couple of days ago and then saw her video being aired on BET. This young lady is very talented! She's been doing performances in clubs and other small venues in Europe and in the States on the east coast for the past year. I hear she is now going on a global tour with John Legend. When they are in Philly...I will definitely be in one of the seats. Check her out for yourself.

read more digg story

2009-02-26T08:18:00.000-08:00

http://my.barackobama.com/page/invite/presidentaddress

President Obama's address to Joint Session of Congress

2009-02-26T05:53:00.000-08:00

The night before last, President Barack Obama stood at the podium in the Chamber of the House of Representatives and addressed Congress and all of the American people. Not officially a "State of the Union" address because this speech taking place just one month following his oath of office is not a reflection on a year of his presidency; but, wow, it felt like a "State of the Union" address. It certainly had all the mechanics and mannerisms of one. The President, flanked by Speaker of the House Nancy Pelosi and Vice President Joe Biden, spoke directly to the People! I can with much detail recall his stern, frank, and serious talk of how Americans played a role in creating economic strife and the crisis we face. He stood firm that we as Americans have always worked through situations and we will work through this. The fact that he said this and other struggles of the coming years would be hard, hit a personal cord for me. I thought how I must embrace the "hard" things in my life and resolve to work hard and make the difficulty my reason for getting up earlier and working later. Wow, isn't this what we should all do everyday! I can't forget the way he addressed the plight of the Auto Industry in such a simple statement...the automobile was invented by this nation...we won't give that away and give up on what is ours! So, we'll transform it for the times and keep this nation great. And he candidly asked the Congress to have Regulation Legislation drafted and sent to him sooner not later! This is a President who intends to get work done and call on others to Work too. On education (I sent text messages to my 16 year protege and 15 year old niece to remind them they needed to be watching and listening) the President made it clear that a high school diploma is mandatory...no dropping out...but that all Americans must also be educated beyond high school. It is in his plan to make money available, change the costs associated with higher education, shore up community and 2 year colleges...but to simply get education for all of us...this is how we become a better positioned society! He said charter schools are important, the education of all children is now a real part of the national agenda! I was completely emotionally tied into the details of a letter he summarized that was received from a high school student from South Carolina. He echoed the words "we are not quitters, we are not quitters". I work with under served students in Philadelphia volunteer programs who say that on a regular basis and I like President Obama want the country to know that these kids deserve better. The President left me standing in front of the tv applauding his sharpness and wit as he asked Congress (all those esteemed folks in the Chamber that night) to send him the "Kennedy-Hatch" bill to finally get the work of these Senators to law...stop talking and get it done! To paraphrase, Health care reform can and WILL get done! By the time he reminded Republicans, with a wink and his legendary smile, that the deficit was spun out of control under their watch...I was fully entranced. With unbelieveable charisma and subtle humor he told the conservatives that they don't agree with him on everything just "yet". Nancy Pelosi could not help her self from smiling broadly and clapping non stop as President Obama spoke from issue to issue. By this time I was chatting a solo tune of "Obama, Obama!" Having a background as a Finance Executive in Corporate America I was impressed that the President is taking the budget planning process ten years out...this may have been missed by many watching him speak...but I know this is BIG. Budgets are complex and no one wants to budget to begin with but extending it is a very responsible move and shows a great deal of unprecedented accountability. His team has already identied $2Trillion to be saved/redirected. It's been two days now since the speech and moment by moment I continue to recall parts of the speech this is a first...I cannot recall ever remembering so much of a Presidential address. Once again, President Barack Obama has left me with a great deal of reflection and a spirit to get my share of the work done! Boy, I feel like we got the right guy for the job this time.

My Continued Obamania...let the pics continue to flow!

2009-02-24T07:26:00.000-08:00

I am glad to have come across these pictures. The first one is simply cute and the Secret Service guys are trying not to "intrude" on the moment. The more recent pic shows a different hairstyle on Mrs. Obama that gives me the urge to change my look for today. I worked in hotels and always loved going to the kitchen to see the presentations for the high end dinners...so I love the shot of Mrs. Obama doing the same. Finally, the Obamas do look "stately" for the Govenors' Dinner.

Real Estate News

2009-02-24T07:23:00.000-08:00

http://www.aleshiashorter.com/links2.html

Black History Month

2009-02-24T06:47:00.000-08:00

Today, like any other, my mind is on Real Estate (where my passion lies) and so many other things. I am reflecting on the concept of Black History Month. How much it means this year that just one month ago Barack Obama took the oath of office becoming this great nation's first President of color. I often hear other people say and agree myself that Black history like all history is not about one month of the year but is important discussion year round. This morning I cherish the large scale accomplishments of African Americans, like Barack Obama. But I am feeling more in tune with what I have been given by those closest to me. My beautiful, strong, God-fearing mother who's ability to raise children, be a sister, daughter, aunt, grandmother, and wife all while carrying a spirit of love and kindness often gives me pause. I think of how she blessed me with making sure I knew her love for the Lord and making sure that I was raised to know his goodness and the power it could have in my life. I think of each of my aunts and older cousins...Beverly, Sharon, Nellie, Helen, Benita, Kay, Jeanie, Bertha, Viney...the list goes on. These women give me strength and a mirror. I continue to live my life, holding my head high, and offer the best of myself to those around me because of the Black History these women have made.

PhillyBrickHouse

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