Keep Your Info Safe This Holiday.

 

Mall security (ONLINE VERSION)

According to a 2014 Deloitte survey, 55 percent of American consumers say they are concerned about protecting their personal data when shopping online, and 42 percent say they have similar concerns when shopping in stores. With the holiday shopping season fast approaching, consumers need to be more vigilant about protecting their personal data. PC Magazine offers the following tips to shop safely online.

   If possible, avoid using a debit card for purchases. Most debit cards don’t have the same level of fraud protection that credit cards have. If a debit card is all you have, protect your PIN by shielding the keypad with your hand or body.

   Visit only trusted sites, which are more likely to be secure. Make sure an “https” appears in the site’s URL and a lock icon is visibly displayed. Log out of all shopping accounts after completing a transaction.

   Avoid using a public Wi-Fi for your online shopping and financial transactions. Also use a password manager to create strong, unique passwords for each shopping site.

   Provide as little information to merchants as possible. Online retailers do not need to know your social security number or birth date to do business.

   Purchase gift cards directly from the retailer, not through a third-party source. Some scammers will auction off gift cards on sites like eBay with little or no funds on them.

   Review online bank statements frequently to confirm charges; don’t wait for your monthly statement to arrive in the mail. If you notice any questionable charges, contact your financial institution immediately. Keep these suggestions in mind, and you can enjoy a secure holiday shopping experience.

Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country
Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com

Your Health and Your Neighborhood

Heart-Healthy NEIGHBORHOODS

Living in a friendly neighborhood may be good for your heart, according to a recent study by psychologists at the University of Michigan. In fact, the more social connections you have among your neighbors, the less likely you are to die from a heart attack.
       The study analyzed the social connections of more than 5,000 adults in urban, suburban and rural areas over a four-year period. Researchers controlled for factors like age, race, income, marital status, education, mental health, optimism and other known health-risk factors associated with heart attacks, such as diabetes, obesity and high blood pressure. By the end of the four years, 148 of the individuals studied had suffered a heart attack.
       Maintaining friendly relationships with your neighbors may be good for your health because neighbors are more likely to check on each other and notice any potential health problems, share resources and health information, and lend money. They can also offer emotional support, which can be a buffer during times of stress.
       Conversely, other studies have shown that negative aspects of a neighborhood can have a detrimental effect on a person’s health. For example, living in areas with violence, noise, poor air quality and access to too many fast food restaurants can have a negative impact on a person’s health. Further, a study at the University of Pennsylvania finds that living in areas with abandoned buildings can lead to isolation and hamper social relationships, which can lead to poor physical health of residents who live nearby.
       Being helpful and neighborly is not only good for your health, it’s good for the health of the neighborhood.

Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country
Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com

Is My Home Ready To Sell?

Giving Your Home the One-the Market Makeover

You work with a Certified Residential Specialist because they are best able to sell your home quickly and profitably.  But remember:  Your relationship with your Certified Residential Specialist is a partnership.  While they market your property and screen potential buyers, it’s up to you to give your home a simple, inexpensive sprucing up that can go a long way toward a speedy sale.

With that in mind, here are some helpful hints gathered from Certified Residential Specialists across the country.

Before the Showings Begin

Hint: First Impressions are Lasting Impressions

The exterior of your home often determines how buyers will view the interior, so:

-        Make sure your front entrance is clean and inviting.

-        Paint or replace your front door if it’s faded or worn.

-        Add some paint to shutters, trim and any other outside features showing sign of wear.

Hint: Beauty is More than Skin Deep

Buyers often see the surface condition of your home as a sign of what’s underneath, so:

-        Keep windows and floors clean.

-        Replace faded wallpaper and glue any areas that have come away from the wall.

-        Repair worn woodwork.

-        Repaint Scarred or dirty walls in a neutral color.

-        Steam clean carpeting or replace it if necessary.

-        Repair loose knobs, sticking doors and windows, warped cabinet drawers, broken light switches and other minor flaws.

-        Check and repair caulking in bathtubs and showers.

Cynthia Schmier, Broker/Owner      
CRS, CDPE, CNE, CIAS, MDI, 5-STAR
RE/MAX Country
Cynthia@Cynthia-Online.com
(360) 400-3475

Say Yes to CRS

Buying or selling a home can seem like an overwhelming task.  But the right REALTOR can make the process easier – and more profitable.

            A Certified Residential Specialist (CRS), with years of experience and success, will help you make smart decisions in a fast-paced, complex and competitive marketplace.

            To earn the CRS designation, REALTORS must demonstrate outstanding professional achievements – including high-volume sales – and pursue advanced training in areas such as finance, marketing and technology.  They must also maintain membership in the NATIONAL ASSOCIATION OF REALTORS and abide by its Code of Ethics.

            Work with a REALTOR who belongs in the top 3 percent in the nation.  Contact a CRS today.

5 Things To Do Before You Sell Your Home

Putting your home on the market isn’t as simple as placing a FOR SALE sign in your yard. There are several steps to take prior to listing your home that will make the transaction smoother and quicker.

One. Hire a real estate agent.

It may be tempting to list your home on your own to avoid paying a sales commission, but selling your home is a full-time job itself. A real estate professional represents the best opportunity to earn the maximum amount from your home’s sale. An agent will recommend the best listing price, market your home effectively and show your home to buyers. An agent also recognizes what buyers are looking for in a new home.

Two. Get your home inspected.

You are required to disclose any problems with your property to prospective buyers. Failure to do so will lead to further complications, even if you weren’t aware of the flaws ahead of time. Hire a professional inspector to identify and document any problems with your property. Also, make sure your home has a clean bill of health from termites.

Three. Make repairs ahead of time.

A long list of necessary repairs is a manor put-off for most buyers, who may decide to move on rather than deal with the headache of fixing up the home. Do as many repairs yourself as possible, then hire a contractor to complete the rest. If you decide to make major repairs beforehand, hire a reputable professional to provide cost estimates that you can show to any interested buyers to put their minds at ease.

Four. Showcase your home.

Curb appeal and first impressions are valuable assets when selling your home. Clear unnecessary items from your yard and maintain the landscape to welcome visitors. Keep the interior of your home clutter-free to maximize your home’s livable space.

Five. Price it right.

The original asking price of your home has a huge impact on the ultimate sales price. If you price it too high, buyers will look for better values and your home will remain on the market longer. The longer your home is on the market, the less desirable it becomes to buyers – even if you eventually lower your asking price – because most buyers will avoid a home that others are avoiding. Conversely, pricing your home too low may result in a quicker transaction but will yield you less money in the end.

Cynthia Schmier
360-400-3475
www.Cynthia-Online.com

What Is Your Plan?

Avoid Honest Mistakes – Beneficiary Designations Must be Up-to-Date

Retirement plans, annuity contracts and life insurance policies acquired through an employer or owned individually usually have specific named beneficiaries that supersede any instructions in a will. These assets convey directly to heirs, and are not subject to the time-consuming and potentially costly probate process.

A named beneficiary can be anyone you wish to inherit your assets – a relative, friend, trust, charity, university or another institution. You can also choose more than one primary beneficiary and specify the percentage of their assets that each will receive.

In addition, you may want to name secondary beneficiaries who would inherit only if something were to happen to the primary beneficiary before the benefit was actually paid.

Has your situation changed?

Financial institutions may be obligated to transfer your assets or pay insurance benefits to whomever you have named on the official designation forms, even if your situation has changed and there would seem to be an obvious mistake.

·       There have been unfortunate cases when an ex-spouse remained listed as a beneficiary, despite the fact that the account holder had long been remarried and fully intended for the current spouse to receive the funds.

·       Failing to add the latest-born child to the list of previously-named beneficiaries is another regrettable oversight. Also, grown children who previously named their parents frequently forget to make a change once they are married and have their own families.

Are your forms up-to-date?

It’s a good idea to check periodically and confirm that your intended beneficiaries are named correctly on all of your accounts and policies.

If you need to adjust your designations, you can often find the forms on your financial institution’s website, or simply call to request them. Make copies of all the beneficiary forms you have submitted and keep them with the rest of your estate planning documents.

Decisions concerning the naming of your beneficiaries should usually be made in light of your overall estate plan, so you may want to consult an estate-planning professional for advice. If you don’t already have someone you know and trust, feel free to contact your real estate agent who may be able to recommend a qualified individual who can help.

The Cynthia Schmier Team

(360) 894-1164

www.Cynthia-Online.com

Copyright: Buffini & Company. All Rights Reserved. Used by Permission.