Friday, September 28, 2018

Questions About the Economy?

 
 
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Questions About the Economy?
 
 

Hello ,

As a mortgage professional I'm often asked my opinion on the economy and its impact on new and existing mortgages. The good news is that, on the whole, the economic outlook for the future is strong. Unemployment numbers continue to decline with companies investing in infrastructure as well as hiring. Additionally, the stock market - a good bell weather for future growth - remains high and strong. But, what does this mean for the current homeowner or the first time homebuyer?

Mortgage rates remain historically low even as the Federal Reserve scales back its monthly purchase of bonds. If you've put off refinancing, now is the time to do so. A lower rate combined with a shorter term could provide you with significant savings. Conversely, home values in most markets have rebounded. This means, if you're looking to sell, you're in a better position to recoup your investment. If you're looking to buy - while there are still some bargains to be had - you'll find a more stable market with realistic prices that make it easier to get that much needed loan.

The outlook for the economy is good and the housing market is bouncing back. While home values and interest rates have fluctuated throughout history, the bottom line is that a home is still among the best investments you can make. Don't be put off by the naysayers. Keep in mind that every mortgage is unique and that there are an array of FHA and conventional products available to meet the many needs of both homebuyers and homeowners.

Let's talk soon about your individual situation and take advantage of this improving economic climate.

 
 
 
 
 
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  Justin Petruzziello
  Branch Managing Director
  NMLS# 216884
 
 
 
 
 
                                 
Equal Housing Lender  

Tuesday, September 25, 2018

Home is where the heart is….

 
 
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Home is where the heart is….
 
 

Hello ,

We understand how important it is to have a place to hang your hat

We are here and happy to help if you or anyone you know can use advice on home loans or household finance.

Call us any time!

 
 
 
 
 
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Justin Petruzziello
Branch Managing Director
NMLS# 216884
 
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Gloria Benaroch
Broker Associate
8935976
 
 
 
 
 
 
                                 
Equal Housing Lender  

Sunday, September 23, 2018

Downsizing and de-cluttering

The core of the downsizing plan should address the primary rooms within the home like the living room, bedroom, dining area and kitchen and as these tend to have the bulkiest objects and also contain the most ‘stuff.’ Unfortunately, these rooms often tend to feature items that both used regularly and also pieces that hold high sentimental value. It’s essential when deciding what to take on the move to know the measurements of the new living space.
This can help determine how much and which items goes onto the ‘take with’ list, especially concerning furnishings and unnecessary items that there may not be ample room for. Tackle each space armed with boxes or containers to separate items between five piles—those to: keep, pass along to family, donate, sell and throw away. Once these are these tackled, plan to take to task other areas like bathrooms, garages, attics, basements and sheds etc.
When seniors or their families are trying to determine which ‘pile’ and item should go into, ask the following questions until an answer guides your hand.
  • Is it necessary?
  • Does the senior really want it?
  • Are their multiples of this item?
  • Is this utilized regularly?
  • Is their sentimental value to the item?
  • Is it of significant financial value?
  • Will this fit into the smaller space?
  • Would a family member or friend appreciate the item or use it?
Be forewarned, this may be a multi-faceted process, as it is not uncommon for seniors and their families to have to tackle the piles again in effort to further reduce the keep pile. Remember, it’s a long and challenging process that will take perseverance and patience by all involved in the downsizing process.


Thursday, September 20, 2018

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Hootsuite Inc. 5 East 8th Avenue, Vancouver, CANADA, V5T 1R6
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Thousands of followers are waiting to meet you

Hootsuite

Hootsuite is a great way to grow your brand and find new customers on social.

So we wanted to remind you of the three key things you'll need to do to see results with it.



Add your social networks
Huge time saver. Adding your social networks to Hootsuite lets you manage them in one place and engage with your followers without toggling tabs or logging in and out of accounts.


Schedule a message
Set it and forget it. Message scheduling lets you line your posts up now so that you don't have to interrupt what you're doing to publish later.



Add a stream
Stay in the know. Setting up a stream lets you follow specific hashtags and keywords, so you always know what's being said on social.

Hootsuite has countless features to help you drive results on social. But doing these three key things first will help you manage social media like a pro.

All the best,

The Hootsuite Team

Hootsuite Inc. 5 East 8th Avenue, Vancouver, CANADA, V5T 1R6
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