Wednesday, April 17, 2013

Weekly Economic Update

Brought to you by:  Lynda Mckenzie  - Vice President of Mortgage Lending
 
Mortgage rates began to move upward last week, only to be pulled back as it appeared that the economy is sputtering once again. The minutes from the last Federal Reserve meeting reveal little consensus on when to reduce economic support programs. We do have one factor that has been consistently positive, a rapidly improving housing market. Will this make a difference in the overall economy? Time will tell.
This week, if the stock market continues to climb, there will be some upward pressure on mortgage rates. But concerns over the economic shape of our trading partners, especially China, will likely keep rate increases in check. 
 
 
 
 
 
Lynda Mckenzie
Vice President of Mortgage Lending
 
1170 Pontiac Ave Suite A , Cranston, RI 02920
NMLS ID: 137627
 
Equal Housing Lender
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Monday, April 15, 2013

As my dear departed father used to say "Give me a roll of duct tape and a sawsall and I can  conquer the world."  Let's see what MacGyver would do in this HouseLogic.com article.

Find your perfect home at:  My Re/Max Home Finder

What Would MacGyver Do? In an Emergency, Reach for the Duct Tape

Published: June 24, 2010


Get yourself out of a home repair jam with this common household item famously used by our favorite handy hero: MacGyver.
We’ve all had them: the clogged drain, the ripped vacuum hose, the unsightly hole in the wall. Home repair emergencies like these are the last thing you need when you’re running out the door, running after the kids, or fielding other household chores. Channel your inner MacGyver by taking advantage of one common household item the classic action hero made famous: a roll of duct tape.

We’ve collected some MacGyver-inspired ideas from the Internet.

What MacGyver did:
Used duct tape to seal a hole in a hot air balloon, allowing him to escape his pursuers.

What you can do:
  • Fix a slow-running toilet. Clear the clogged flush passage with wire, then empty the water tank and seal the passage hole with duct tape. Fill the tank with a quart of vinegar and leave overnight.
  • Weatherproof windows. Use strips of duct tape to make windows air tight until you can fix or replace them.
  • Make a temporary roof shingle. Wrap strips of duct tape across a ¼ inch thick piece of plywood cut to size.
  • Tie off loose wires. Wrap small, thin strips of duct tape around exposed ends.
  • Patch holes and tears in duct work, dryer vents, and a torn vacuum hose to temporarily seal leaks.
Find your perfect home at:  My Re/Max Home Finder
 
Tammy J. Pelletier
Re/Max 1st Choice
980 Reservoir Avenue
Cranston, RI 02920

Cell: 401-263-6913
Office: 401-943-6111 ext 221
TammyPelletierSells@gmail.com
tjpeltier1@gmail.com

“Over 24 Years Bringing Buyers and Sellers Together In Rhode Island”

Sunday, April 14, 2013

What Would MacGyver Do? 6 Ways to Save the Day with Toothpaste

You know you're getting older, when you start your blog with "I remember when . . . " Well, here it is again, one of my favorite TV shows was MacGyver. Over the years we have come up with MacGyverisms like "I MacGyvered it" or "I tried a MacGyver move." HouseLogic.com has a series of articles called "What Would MacGyver Do?" I will be posting these articles here. You never when you may need to disable the helicopter of an evil dictator with a stick of gum and chapstick while hanging off the chopper's runners. Oh, and visit HouseLogic.com. ~~ Tammy

What Would MacGyver Do? 6 Ways to Save the Day with Toothpaste

Published: June 24, 2010 If you like to get your money’s worth by squeezing every ounce from a tube of toothpaste, you’ll be happy to know it has many other uses around the house besides cleaning your teeth. Rolling up the Colgate tube to squeeze out every last dollop before you buy another one is a simple, smart way to save money, but did you know that toothpaste also makes a good adhesive, deodorizer, and cleaner (for other things besides your teeth)? We’ve collected some MacGyver-inspired ideas from the Internet.

What MacGyver did: Used plastic explosives disguised as toothpaste to create a diversion, allowing him to disarm his captor.

What you can do:
  • Patch small holes in your walls. Use a putty knife or butter knife to smooth the toothpaste into the hole. Then sand the toothpaste to smooth the surface.
  • Erase crayon marks from walls. Grab some non-gel toothpaste and a scrub brush, then just wipe until the marks are gone.
  • Shine chrome. Smear non-gel toothpaste on the chrome surface, and use a soft, dry cloth to wipe it down. The fine abrasive in the paste polishes the chrome to a spotless shine.
  • Deodorize a baby bottle. Apply toothpaste to your bottle brush to scrub out the stale milk smell. Then rinse it away.
Tammy J. Pelletier Re/Max 1st Choice 980 Reservoir Avenue Cranston, RI 02920 Cell: 401-263-6913 Office: 401-943-6111 ext 221 TammyPelletierSells@gmail.com tjpeltier1@gmail.com

“Over 20 Years Bringing Buyers and Sellers Together In Rhode Island”

Friday, April 12, 2013

Good morning . . . another article from Lowes. And, if you are planning to do any home projects this spring, let me know. I can send you a 10% coupon and other great offers from Lowes. Just comment here and your coupon will be on it's way.

FIND YOUR PERFECT HOME AT:  My Re/Max Home Finder

Accessorizing Your Deck

You've spent the last few weekends in back of your house building the deck of your dreams. Your craftsmanship is second to none—a real work of art, if you do say so yourself! So why does it seem that something's missing when you stand there in the middle of all that lumber? Because you're not finished. It's time to accessorize! Whether you've just built a new deck or you're working with an existing one, make your outdoor living space more beautiful and comfortable with a little thought—and a few finishing touches. Just like the inside of your home, furnish and accessorize your deck to really make it come to life. Then it will truly become an extension of your indoor living areas for you and your family and friends to enjoy.

Clean It Up, Spruce It Up, Trim It Up - If yours is an older deck, before you begin adding accessories, take time to do a little outside-the-house cleaning by renewing and brightening the wood surfaces. It's a good idea to thoroughly clean and seal your deck to prolong its life and enhance the natural beauty of the wood. Many products are available for cleaning the wood; many which require no scrubbing. Penetrating sealers are also available for protecting the wood. Follow the manufacturer's instructions.  

Accessorizing Poles and Posts   - With all the wonderful wooden elements now available, there's no excuse for having an uninteresting deck! Look for turned posts and rail components to add architectural distinctiveness.

  • Top posts with decorative caps can be plain or clad in brass or copper.
  • Top off post caps with wooden shapes such as elegant acorn toppers and ball finials.
  • Conceal the space between your deck's perimeter and the ground below (and gain useful semi-concealed storage space underneath) by installing pre-constructed decorative lattice panels.
  • For a custom look, construct your own screens using lattice strips framed in a pattern of your own design. Paint or stain the screens to match your deck for a unified appearance.  

Outdoor Furniture and Accessories  -  If you built your deck from scratch, you probably took time to size up your needs to determine what kinds of activities—dining, relaxing, grilling, etc.—you'd be doing there. And from that assessment, plan the furnishings and accessories just as you would for an interior room.

  • Take time to think about not only furniture arrangements, but the traffic paths and circulation spaces.
  • Choose furniture that is appropriately scaled for your deck as well as pieces that will seat the required number of people.
  • No matter what type of furniture you choose, look for styles and colors that blend with those of your house to achieve a unified look with your home's exterior decor. Outdoors the scale of your accessories may need to be "pumped up" to increase their impact and functionality.
  • Candles and candle holders should be large and heavy enough to remain stable even under wind-blown conditions.
  • Wall plaques made from pottery or stone-like material add visual weight and architectural character to your exterior.
  • Substantial planters designed to hold groups of plants provide great fill-in elements. Those large enough to hold tall plants add height to the predominantly horizontal space.  

Getting the Most From Your Surroundings  -  When you're outside on your deck, you're there with the wind in your face, the sun on your arms and the sounds of nature all around. You can take advantage of all the good things by choosing accessories for your deck that enhance what nature has already provided.

  • If you're a bird lover, hanging birdhouses in strategically located spots increases visits from feathered friends. Many styles are available—natural wood and bark constructions, painted wood, sturdy plastic styles and decorative metal structures.
  • As the wind blows, capture more than just a breeze by hanging wind chimes from an eave or a nearby tree branch. The gentle tinkling of the chime provides a relaxing melody that becomes soothing background music.
  • Mount a flagpole on a nearby surface to display colorful flags that are available in a wide variety of seasonal patterns.

Plants and Flowers  -  Your deck is the perfect place to showcase lots of beautiful plants. Plants add a natural softening element to the hard-edge components of a wood deck. The lush, green and/or blooming color is a sure way to make your outdoor space come to life. Place the plants in and around furnishings or hang them from overhangs and posts, to provide interesting textures and shapes to complement other furnishings.

  • If space for freestanding planters is a problem, use wrought iron shepherd's hook hangers that can either be mounted in the ground or attached to nearby walls, posts or rails.
  • Attractive planters are available that include hooks that fit over deck railings. Fill these planters with cascading blooming plants for beautiful color all season long.

To Swing, To Bounce Or Perhaps To Glide -    One of the most important elements of furnishing your deck is the kind of seating you choose. The great thing about outdoor furniture is that it's not only designed for function (such as dining), but for fun and relaxation as well. Seating can be stationary, but it can also bounce, glide back-and-forth, swing or rock. Many pieces are designed not only for one, but for two or more people. Take time to consider how you'll use the seating pieces and then try out available styles.

  • Stationary or cantilevered chairs are a good choice for dining or general use.
  • Gliders, rockers and swings are wonderful for just sitting or relaxing.
  • For the ultimate in relaxation, choose chaise lounges or hammocks. If your deck is under a roof, swings and hammocks can be hung from the joists in the ceiling.
  • Cushions and covers designed for most outdoor furniture styles add even more comfort while adding color and pattern.

The Best Dining Room Under The Sun Or The Moon!  -  A deck is the perfect place to enjoy warm-weather meals with friends and family. A great selection of tables designed for 2, 4, 6 or more people are available. Think about the size of your deck when choosing outdoor furniture. Add to your dining atmosphere by choosing accessories that complement not only your exterior decor, but the mood of special occasions as well.

  • Look for colorful table linens, dinnerware and glasses to create a festive atmosphere.
  • Choose natural fabrics and textures for a more subtle, relaxed effect. Enjoy an outdoor dining room.

Illuminating Experiences   -  One of the great things about sitting on your deck at night is enjoying the special effects that only night lighting can provide. Install low-voltage lighting to illuminate steps, paths and add sparkle to plants and trees.

  • Affordable deck lighting kits make creating pools of light on steps and rails an easy way to achieve just the right amount of night light.
  • Nothing beats candles for providing soft illumination. Those made with citronella can also help to keep insects from invading your space.
  • Torches mounted to bamboo poles are especially effective for setting a party mood. (Be sure to use proper care when lighting torches and don't forget to extinguish the flames before you go inside.)

Tammy J. Pelletier
Re/Max 1st Choice
980 Reservoir Avenue
Cranston, RI 02920
Cell: 401-263-6913
Office: 401-943-6111 ext 221
TammyPelletierSells@gmail.com
tjpeltier1@gmail.com

“24 Years Bringing Buyers and Sellers Together In Rhode Island”

Thursday, April 11, 2013


Treatment Options for Getting Rid of Insects
By:  Brad Broberg Published: March 10, 2010

FIND YOUR PERFECT HOME HERE AT:  My Re/Max Home Finder

I remember when I was a child, not many people gave thought to the pesticides that we used on a regular basis. Spray the veggie garden, spray the lawn, spray the kids, etc. I even remember the orchard down the street spraying. We wouldn't have mosquitoes for a week because his mixture was so strong. No real thought about the consequences. This article from HouseLogic.com suggests some alternatives to SPRAY! While you're at HouseLogic.com, create an account and peek through the articles. Enjoy!


You can limit the use of pesticides by enlisting a variety of strategies and methods to eliminate pests.

To get rid of wood-destroying insects (WDIs) and other pests, consider an approach—”integrated pest management”—that combines common sense with prevention techniques, conventional pesticides, and green alternatives, such as natural plant extracts and minerals. Back in the late 20th century, spraying or pumping poisons became the widespread method of choice as home and garden pesticides grew into a $1.4 billion industry. But today, amid growing concerns about the dangers of toxins to people, animals, and the environment, homeowners and pest-control professionals are looking for ways to reduce the amount of pesticides used by incorporating a range of treatments that are often less toxic but still effective.

Conventional pesticide treatment 

With conventional pest control, the name of the game is extermination. The operator kills the insects with chemicals—often applied as sprays—and reapplies the pesticides on a regular schedule to prevent another infestation. That means you’re paying for treatment whether or not insects are actually present. The risks of unnecessary exposure to pesticides aren’t to be taken lightly. While perhaps effective in the short run, pesticides have been shown to produce long-term consequences, including adverse effects on the endocrine, reproductive, and nervous systems of people and animals. Children are especially sensitive to the toxins found in many pesticides because their immune systems, organs, brains, and nervous systems are still developing. Although the Environmental Protection Agency regulates all pesticides for safety, they remain potentially deadly to humans and harmful to the environment—especially if misapplied.

A less-toxic approach

The new buzzword in the pest-control industry these days is integrated pest management. Rather than merely blasting pests with poisons, IPM uses a combination of strategies to control pests and includes homeowners as partners in the process. IPM consists of three basic steps: identifying pests; preventing pests; and—as needed—treating them.

What to expect from a pest-control pro

Just because a pest-control company says it practices IPM doesn’t make it so. The first thing to look for is knowledge about pests. An operator must be able to tell different insects apart and understand their habits and habitats to decide how best to help you control them. IPM stresses prevention. The pest-control representative should inspect your home for signs of infestation and then recommend steps you can take to eliminate pests by denying food, water, and access. Example: Deterring termites and carpenter ants by keeping the soil around your foundation dry. Although prevention is the preferred solution, the professional may need to take immediate action to treat an existing infestation. That may include using pesticides, but only as a last resort against an active infestation and never as a matter of routine. Ongoing monitoring of pest activity by you and your pest control operator determines if or when pesticides are reapplied. When using pesticides, the exterminator should choose the least toxic product possible, apply as little as possible, and treat the smallest area possible—just cracks and crevices, for example, instead of an entire baseboard. Baits—gels, pastes, and granules applied directly or contained in bait stations—are preferred over sprays because they reduce exposure to fumes and residue.

Natural alternatives

If you’re uncomfortable with even limited use of pesticides, ask the pest-control expert about products that rely on natural substances for their active ingredients. Examples include boric acid, a naturally occurring mineral, and essential oils, derived from the natural defense systems of plants. Although slower acting than chemical pesticides, products made from natural substances can be highly effective. A word of caution: Even pesticides made from natural substances can be harmful if mishandled. They are, after all, intended to kill living organisms. In addition, some products include chemical additives that make the natural substance more effective, but which also are toxic.

Costs vary

How much you’ll pay to solve your problem will depend on the type of insect, the size of the infestation, and the type and intensity of treatment. Many pest-control pros offer free inspections, but the bill for actual service can range from less than $100 to spot treat an ant nest to several thousand dollars to eradicate termites and offer ongoing protection. Compare estimates from several pest-control companies. A few national pest-control companies, such as Orkin and Terminix, provide free online estimates. But the best way to find out the extent of your problem and the options available is to have an expert come to your home and do an on-site inspection. Make sure the company is licensed and a member of a local, state, or national pest management association. You may also want to check the company’s status with state regulatory agencies for consumer affairs and agriculture. Brad Broberg is a freelance writer from Federal Way, Wash. A former newspaper reporter and editor, he writes about business and real estate for a variety of publications including the Puget Sound Business Journal.

Tammy J. Pelletier
Re/Max 1st Choice
980 Reservoir Avenue
Cranston, RI 02920
Cell: 401-263-6913
Office: 401-943-6111 ext 221
TammyPelletierSells@gmail.com
tjpeltier1@gmail.com

FIND YOUR PERFECT HOME HERE AT:  My Re/Max Home Finder

“Over 20 Years Bringing Buyers and Sellers Together In Rhode Island”

Sunday, April 7, 2013

Cleaning And Sealing Your Deck

It's that time again. Time to think about your decks. Another great article from Lowes.com.

Cleaning and Sealing Your Deck

Wood left exposed to sun and moisture will quickly begin to degrade. Leave your deck untreated and you can expect it to turn grey with age. In addition, the decking boards are likely to cup, warp and split. Ignore the problem for too long and you’ll have to make major repairs — or even replace sections of deck. Deck sealing is a three-part process. Remove any old stains or coatings, clean the wood, and seal it against weather damage.

If the deck has never been sealed before you won’t have to strip it, but brand new wood has special pre-stain preparation needs. If your deck has been sealed before, use the water test to see if it’s time to seal it again. Drizzle some water onto the boards. If the water beads, the wood is still sealed and protected. If the water is absorbed into the wood, it’s time for a treatment. Remember to test several different areas of the deck. High-traffic spots are likely to wear down before corners and rail spindles.

Stripping Stripping is essential for creating an even surface on which the new sealant can adhere. If the high-traffic areas of your deck have worn down, but there is still sealant remaining in other areas, strip the entire deck before you re-stain. Stripping is most important if you are changing colors. Traces of an old color left underneath will affect the way a new color appears. Choose a stripper that is formulated for:
  • Removing clear and toned finishes and sealers, which requires less stripping power.
  • Removing semi-transparent or opaque stains, which requires more stripping power. Consult the manufacturer’s instructions to determine which stripper is right for your project.
Cleaning After the deck is free from existing stain or sealant, clean it. (If you didn't have to strip the deck, this will be your first step.) When looking at deck cleaners, you'll probably find one these active ingredients:
  • Chlorine bleach, which appears on the label as sodium hypochlorite, calcium hypochlorite or dichloroisocyanurate.
  • These chemicals do a good job getting rid of mildew, but they are less effective at removing dirt. They are usually mixed in with other ingredients.
  • Chlorine bleach products can be harsh on wood if used improperly, causing fuzzing and uneven coloration. Use a chlorine bleach product if you have a mildew problem, but be careful not to mix it any stronger than the manufacturer recommends. Also, rinse well.
  • Oxalic acid, which usually will be listed that way in the ingredients list. Oxalic acids are particularly effective at removing tannin stains and iron stains — a particular consideration with cedar and redwood decks.
  • Oxalic acid is not as effective against mildew. If you have a mildew problem, try a cleaner made with bleach before using oxalic acid to attack the tannin and iron stains.
Sealing There are four main options for deck sealers: clear, wood-toned, semitransparent and solid/opaque. As a general rule, wood that is older and more weathered requires a more opaque stain to cover imperfections. Think about these other considerations: The best sealers penetrate the wood the most to provide the most protection. Look for an oil-based product that is mixed with latex for easy clean-up.
  • Clear treatments allow the wood to fade to a natural weathered, silver grey, while still providing protection from UV and water damage. The other types will retain a constant color.
  • It’s tricky to work backwards on the spectrum. For example, if your deck is currently covered in an opaque stain, it will take a great deal of stripping and surface preparation to ready it for a clear or wood-toned stain. It’s usually easiest to continue with solid/opaque coverage.
  • The more opaque a stain, the quicker it will show wearing and weathering. A solid stain might need re-application every year, while a clear or wood-toned treatment probably will last longer.
  • Solid/opaque stains are better suited for vertical surfaces (railings, pillars, caps) than for horizontal (decking, stairs). The wearing from foot traffic is particularly noticeable with an opaque stain, and it's possible to track the residue inside the house.
  • Solid/opaque stains do not show the grain of the wood. All others do.
  • Darker colors, particularly solid/opaque and semitransparent stains, will absorb heat more easily. They could make the deck uncomfortable for barefoot walking.
  • Choose a color that matches the siding on your house, or one that contrasts with it nicely. Use the color wheel to determine pairings.
  • For a decorative look, select two or more colors that work together for decking and rails, post caps, stencil work, etc.
Special Considerations
  • If you have ChoiceDek® or some other type of composite decking, not all cleaners will work for you. Consult the manufacturer for the correct types of products to use.
  • If you have a brand new deck made of treated lumber (as opposed to cedar or redwood), you should wait at least a few weeks before sealing it for the first time. This allows the wood to dry so the stain can be absorbed. To find out if the wood is dry enough to stain, use a moisture meter that tests the moisture content (MC) of wood. The wood can feel dry to the touch but still be too wet to absorb the stain properly. If you don't have a moisture meter, press the head of a flat screwdriver into the decking in an inconspicuous place. If any moisture appears, the wood is still too wet to stain.
  • Be sure to remove grade marks and other markings before staining. They will show through all but solid/opaque stains.
Accessories Your deck restoration shopping list will contain more that just cleaner and sealer. Here are some other products that will make the job easier:
  • A pump-action sprayer to apply cleaning solutions. You can buy one labeled "deck sprayer" or "garden sprayer," but do not use it for spraying your garden once it has had deck cleaning chemicals in it.
  • A stiff brush on a long handle for scrubbing. Do not use one with metal bristles, because it might damage the wood.
  • A paint roller on a long handle for spreading stain or sealant. Look for a 1/2" or 3/4" nap.
  • Paintbrushes made to apply the stain you have chosen.
  • Plastic tarps to protect nearby plants from overspray.
  • Tape to mask off areas that you don’t want to stain.
If you have ChoiceDek® or some other type of composite decking, not all cleaners will work for you. Consult the manufacturer for the correct types of products to use.

Tammy J. Pelletier
Re/Max 1st Choice
980 Reservoir Avenue
Cranston, RI 02920
Cell: 401-263-6913
TammyPelletierSells@gmail.com
tjpeltier1@gmail.com

“Over 24 Years Bringing Buyers and Sellers Together In Rhode Island”

Saturday, April 6, 2013

Welcome To My Blog

Tammy J. Pelletier, GRI
Welcome everyone to my Rhode Island Real Estate Insights Blog. In the coming days, I hope to share with you what is happening in the real estate world and how it affects you in your neck of the woods.  I will share helpful hits for buyers to help them in finding that perfect home and for sellers to help them to get their home sold quickly, at the right price and with the least inconvenience.  I'll also throw in a few fun items. 
 
If you have a concern or a question, please feel free to e-mail me directly at tjpeltier@gmail.com. Or feel free to leave comments or questions directly on this blog.  You can always log onto My Home Finder to find homes that match your criteria.  Or you can do this search on my blog in right hand panel.

I am life-long resident of Scituate, Rhode Island and a single mom of 2 wonderful kids. I have been bringing buyers and sellers together in the State of Rhode Island for 20 years.

From collecting sea shells on the shore by the Beaver Tail Lighthouse to memories of riding the ferris wheel at Rocky Point in Warwick to the beautiful sunsets over the Scituate Reservoir, I am familiar with just about every stitch of this great state of ours.

So, pull up a chair and let’s have some fun chatting. And of course, if you need the services of a qualified Buyer’s Agent or a Listing Agent, feel free to call me at any time at 401-263-6913.

Tammy

Tammy J. Pelletier
Re/Max 1st Choice
980 Reservoir Avenue
Cranston, RI 02920

Cell: 401-263-6913
tjpeltier1@gmail.com
My Home Finder