St Cloud Real Estate Blog

Article: Fixing Your Credit Score

2005-10-17T10:05:00.000-05:00

I know the phrase "credit score" can be scary for people. But it's very important to know your credit score and your credit report as there are usually many mistakes on them, which can affect your home purchase.

Ellie McFadden, Realtor®

WHY USA Equity Realty

St Cloud, Minnesota

Office: 320-259-4990

ellie@athomeinstcloud.com

http://www.athomeinstcloud.com/

How To Fix Your Credit Score And Qualify For A Home Loan

One might be wondering why some lenders turn down a mortgage application while some others might consider it fit for approval. The answer may well lie in the credit report and the credit score to be precise which plays a crucial role in loan sanctioning.

Credit history is an important factor affecting loan granting decisions by the lender or mortgagee. As part of the pre-approval process a detailed investigation is carried out into your financial history whereby the lender assesses your finances, your credit history and your investments. Your debt ratios are compared with the lender’s standard while deciding on the loan approval. Your level of debt or credit history is taken as a parameter for judging your ability to make the monthly repayments. The credit history as represented by your credit report plays a very crucial role since some lending institutions may even turn you down because of incompatibility with their lending standards. Too much debt and poor credit rating is a common reason cited for turning down a mortgage application.

At times your application may not be rejected altogether but you may have to settle for a loan amount lower than what you desired or expected. The other terms and conditions of the loan might also not have proved worthwhile for you. All these could have been avoided had you been a little more careful and vigilant while placing your documents about your personal finances as reflected by records of your earnings, monthly expenses and debts. Among these documents the credit report is of prime importance which reveals your credit score.

While considering your application the lender will also get to analyze your credit report. This provides all details about your financial history, payment records, total debts and bankruptcies (if any). This information is used to work out your credit score or FICO score (a rating of Fair Isaac and Company). This is a composite number-a numerical rating of your credit worthiness. These scores may range from 300-900. However, most people’s score fall between 600 and 700. Higher credit scores make you more appealing to the lender. Thus, you will be more likely to be offered better rates and loan terms.

A number of factors can affect the credit score. They can be broadly classified as:
a) The length of time you have had credit, outstanding credit, methods to repay this and how close you are to your credit limits.
b) Problems with credit which you may be having like late payments and bankruptcies.

The number and frequencies of your delinquencies is to be considered.It may be noted that almost 80% of credit reports contain errors. Getting for yourself a copy of the report beforehand will enable you to take steps for improving your score.You will be availed of the opportunity to review the report and rectify the score to quite an extent.

Some steps which can be taken in this regard are:
a) Finding out credit cards which are not needed anymore and closing the corresponding credit accounts.
b) Settling outstanding accounts, if any.
c) Paying out your bills, debt payments on time and in full and reduce your outstanding credit.
d) Verifying all listed account numbers and getting assured that they are yours.

It may be noted that minor credit problems or problems cropping up due to illnesses or temporary loss of income due to some unpredictable occurrence will restrict your chances of getting the aspired loan only from some high-cost lenders. Other lenders will hopefully be considerate enough to overlook such minor problems.

In spite of the best efforts there may still be certain negative indications in the report which could not be done away with. In such case you need to explain the situation to the lender. If at all it cannot be explained then, perhaps, you have to make greater down payments.

Getting to know how credit record affects loan prospects, proceed towards making improvements in your credit report. Your loan prospects will improve, no doubt. It will take you a long way towards securing your desired mortgage loan.

Lance Williams is an accomplished writer with specific expertise in the Mortgage and Real Estate field and has been involved for quite some years with MortgageFit LLC as a content developer. This is his newest article regarding credit report and credit score. For more information visit his website.

Article Source: StickyArticle.com

Technorati Tags:credit score, home loan, buying a home

Investment Property Part I

2005-10-05T07:50:00.000-05:00

Note from Ellie: Investing in real estate is a great long-term investment. My tip is to work with a Realtor you feel very comfortable with and is knowledgeable in investing to make sure you are making the right investment decisions.

For more investment information stop by my website at

http://www.athomeinstcloud.com/real_estate_investing_articles.htm

Ellie McFadden, Realtor®

WHY USA Equity Realty

St Cloud, Minnesota

Office: 320-259-4990

ellie@athomeinstcloud.com

www.athomeinstcloud.com

1. Investment Property What exactly is an investment property?

Since this is real estate investments 101, we will explain. An investment property is a piece of real estate you invest in with the objective of earning a return. Primary residences are not considered investment properties because the primary purpose of such real estate is to provide a place to live. Common investment properties include rental homes, apartments, condos, townhouses as well as commercial properties such as business or industrial parks and shopping centers.

2. Depreciation Depreciation is a fancy business way of saying something is decreasing in value. Investment properties may experience depreciation, because typically as a building ages the value of the physical building depreciates. It is important to note the actual depreciation realized is related specifically to the value of the physical building. Historically, real estate prices seem to follow a positive trend. How can this be if old buildings have experienced severe depreciation and thus are worth less today than 20 years ago? We must look at the whole equation. The value of the land is integrated into the equation as well, and traditionally land increases in value. Thus, when we look at investment properties, we normally see an increase in value thanks to the seemingly continuous appreciation of the land the building was built on.

3. Land Contract A land contract is fairly simple. When you are looking to invest in some property, you will negotiate a price for the land. The written manifestation of these verbal negotiations is a land contract. The land contract for the investment property outlines the terms of the agreements, such as the monthly payments, interest rate, and maturation date of the loan.

4. Land auction You might have heard other real estate investors talk of a land auction. A land auction is one way of buying an investment property. In a land auction, land is auctioned off to the highest bidder. Often times one can score a real deal on property auctioned off in such events. Upon winning an auction, you can then sign a land contract for the property and hope your investment property experiences appreciation, rather than depreciation, so that you can cash in on your increased equity a few years down the road.

5. Lien Before buying an investment property you will want to make sure the property does not have a lien against it. A lien is basically legalese for a claim against the property. A lienholder owns a legal right to extract their money from a property should the borrower default. Thus, if you buy a property that has lien on it, and the person you bought the property has defaulted on their loan, you may find yourself in second standing for right to the property behind the bank that has the lien. It is important to do your due diligence and ensure you are not setting yourself up for a fall by investing in property that can be claimed by others. Conclusion Keep in mind that real estate investment can become rather complex. However, if you gain a good grasp on the fundamentals of investing, such as depreciation, liens, and land contracts and auctions, you will be in a position to earn a positive return on your investment property for many years to come.

Article written by:

Adam Smith is an informational author for http://www.10xMarketing.com For more information on investment property, please visit http://www.oneminutemillionaire.com/affiliate/glossary/investment-property.asp

Technorati Tags:investment property, investing, real estate

"I'm not from St Cloud!"

2005-09-30T08:21:00.000-05:00

I relocated to St Cloud in January of this year. I didn't know anyone here and it can be a very lonely existence when you move somewhere new. It's exciting as well to move to a new place as the possibilities are endless.

I happen to catch an article in the St Cloud Times about a couple, Dan and Jean Super, who relocated to St Cloud about 5 years ago. They wanted friends and were having a hard time finding people. So they started a St Cloud chapter of "I'm not from here". And lo and behold they have found many other people in the same boat as them.

So if you're new (or not so new) to the St Cloud area, please visit the website Click on Events to see what upcoming fun events are going on and stop by the message board to introduce yourself.

If you're not in St Cloud but a different city, stop by the site and start your own chapter. You no longer have to feel alone in a new city!

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com
http://www.athomeinstcloud.com/

20 Low-Cost Ways to Spruce Up Your Home

2005-09-24T09:32:00.000-05:00

First impressions do matter especially when selling your home. Most buyers decide within minutes whether they will continue to look at a home. So make sure your home is ready for all those first impressions.

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com
www.athomeinstcloud.com

20 Low-Cost Ways to Spruce Up Your Home

Make your home more appealing for yourself and for potential buyers with these quick and easy tips:
1. Trim bushes so they don’t block windows and cut down on light.
2. Buy a new doormat.
3. Put a pot of bright flowers (or a small evergreen in winter) on your porch.
4. Put new doorknobs on your front door.5
. Put a fresh coating on your driveway.
6. Edge the grass around walks and trees.
7. Keep your garden tools out of site.
8. Be sure kids put away their toys.
9. Buy a new mailbox.
10. Upgrade your outside lighting.
11. Use warm, incandescent light bulbs for a homey feel.
12. Polish or replace your house numbers.
13. Clean your gutters.
14. Put out potpourri or burn scented candles.
15. Buy new pillows for the sofa.
16. Buy a flowering plant and put in a window you pass by frequently.
17. Make a centerpiece for your table with fruit or artificial flowers.
18. Replace heavy curtains with sheer ones that let in more light.
19. Buy new towels.
20. Put a seasonal wreath on your door.

Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS® Copyright 2005. All rights reserved. www.REALTOR.org/realtormag

Technorati Tags:selling your home, realtor

Choosing A Realtor® To Sell Your Property

2005-09-22T11:03:00.000-05:00

I thought this was a good article about how a person picked the Realtor® for her home.

As a Realtor® myself of course I want people to pick me but in all truth you need to interview a few Realtor® and find someone who you connect with since selling your home is such an important process.

What did (or do) you look for in your Realtor®? Email me at ellie@athomeinstcloud.com with your feedback.

Ellie McFadden, Realtor®

WHY USA Equity Realty

St Cloud, Minnesota

Office: 320-259-4990

ellie@athomeinstcloud.com

http://www.athomeinstcloud.com/

Choosing A Realtor® To Sell Your Property - By: Michaela

So how did we do it? Well my husband, who is a very busy man, happened to be away with work therefore it was up to me to interview three realtors. I did some research and chose high profile real estate agencies that had consistent and high sales averages. I staggered the three interviews over two days and with each one, an appraisal was done of the property taking into account renovations and special features.

Realtor One when asked how much he thought the property was worth couldn’t give me a figure, not even a wild guestimate! Not only that, he sounded unsure and unmotivated about anything to do with our property (or anything else for that matter). I showed him around our house and pointed out special features, and all our renovations - still no response. When I mentioned what our asking price was the response was head nodding and not much else. I uttered a silent “You’re fired…next!”

Realtor Two said all the right words. He was a real go-getter, smartly dressed, clean shaven, innovative and energetic. He assured me that if I wanted the house sold and we had a firm asking and reserve price, then he would be the man to do it. Then he continued to talk - a lot - for a long time, using the latest buzzwords. It was difficult getting a word in. However, once the asking price was mentioned there was a pregnant pause. He slowly replied that my asking price was at the very top end of the market, and implied we’d be very lucky to reach it. Still, he’d sounded convincing…sort of…

Realtor Three listened attentively and nodded every now and again and paraphrased me, ensuring we were singing to the same hymn sheet. As before he asked what our asking and reserve price were. Just as before the asking price appeared to be surprising. I watched his face and could see he was mentally calculating and assessing the property’s worth. I showed him around the property as I did with the others, and he was genuinely impressed what we were offering. He became very motivated and made suggestions that made sense.

For several months we did nothing, still unsure of when we were actually going to put our home on the market.The first and second realtors never made contact again. They’d left it up to us to contact them when we were ready. Realtor No 3 kept in regular contact with generic updates of the area and never pushed us to do anything. He simply signed off on each letter that when we’re ready, he’d be ready.The first realtor was totally disinterested in anything from the property to us as people, and the other, although innovative and motivated didn’t exhibit empathy and curiosity about us - the owner’s, and no follow up.

Connection is so important and although the first two were very nice individuals, it was something that was sadly lacking.No 3 definitely got the job.So why did he get the contract? Simply put, apart from keeping in regular contact, his knowledge and experience, and never aggressively trying to get our contract:

 He treated me (by this stage he was dealing directly with me) respectfully.

 He was always available to speak via telephone.

 He listened and understood what I wanted – nothing was ever a problem.

 He showed genuine interest in us as people. Conversations often turned to unrelated matters and we spoke of family and our travels.

 The one that clinched the deal was that he totally connected with us in the nicest way. We knew he had our best interests at heart.There are many factors involved when selling property and choosing the right realtor. The main points I’d pass on are:

 Do your research – get to know your suburb if you don’t already, start reading the latest real estate material; speak to people in the industry – particularly the realtor’s you’re interviewing – you’ll get a feel of their knowledge and level of interest.

 Keep interviewing until you come up with someone that has strong people skills – not only are you looking for a connection, you’re also looking for someone who’ll connect strongly with prospective buyers.Last but not least:

 Love the home you’re selling and others will love it also.

 Intuition is a great tool to have so when the time comes, use it.

Michaela is a Transformational Coach, certified practitioner of Neuro-Linguistic Programming (NLP), writer, and Metaphysician who is totally committed to helping others create positive and action oriented changes to their lives. Michaela is the author of several e-books including Book of 10 Colour Meditation Scripts and Basic House-Clearing 101 the Energy Way. She is also publisher of a monthly newsletter called From My Desk; an engaging, inspirational, and often humorous newsletter which offers 'real life' tips aimed towards achieving a more peaceful, spiritual and fulfilled 'real' life. http://www.michaelascherr.com./ Married to David, Michaela has two children and a grandchild and currently lives in Brisbane Australia.

Technorati Tags:realtor, picking a realtor

Looking for Volunteers!

2005-09-15T08:13:00.000-05:00

Hi everyone!

I've decided to volunteer with Habitat for Humanity to help them with their fundraising efforts. They are in the process of organizing a fundraising task force which I'll be a part of. I'm looking for a few people (around 5) who will help with coming up with fundraising ideas and helping with holding the events. The time commitment would be around 2x/month and a little more during the actual fundraising event.

For more info about Central Minnesota Habitat for Humanity please visit their website:http://www.cmhfh.org/And the International Habitat for Humanity site:http://www.habitat.org/

If you would like to join me to help this great organization, you can email me at ellie@athomeinstcloud.com

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com
www.athomeinstcloud.com

Technorati Tags:habitat for humanity, fundraising, st cloud

Preparing for an Open House

2005-09-14T07:16:00.000-05:00

Ok, you have listed your home with a Realtor® and now it's a good time to hold an Open House. But before your Realtor® sits up your home's first open house, make sure you have your home ready for viewing. My personal opinion is make sure to get rid of as much clutter as possible, from papers/magazines sitting around to extra furniture. It's important for potential buyers to be able to see your home, not all the things you have inside the home.

Below you will find some tips directly from the Association of Realtors® on things you can do to get your home ready for open houses.

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com
www.athomeinstcloud.com

-----

7 Steps to Preparing for an Open House:

1. Hire a cleaning service. A spotlessly clean home is essential; dirt will turn off a prospect faster than anything.
2. Mow your lawn, and be sure toys and yard equipment are put away.
3. Serve cookies, coffee, and soft drinks. It creates a welcoming touch. But be sure the kitchen has been cleaned up; use disposable cups so the sink doesn’t fill up.
4. Lock up your valuables, jewelry, and money. Although the real estate salesperson will be on site during the open house, it’s impossible to watch everyone all the time.
5. Turn on all the lights. Even in the daytime, incandescent lights add sparkle.
6. Send your pets to a neighbor or take them outside. If that’s not possible, crate them or confine them to one room (a basement or bath), and let the salesperson know where to find them.
7. Leave. It’s awkward for prospective buyers to look in your closets and express their opinions of your home with you there.

10 Ways to Make Your Home Irresistible at an Open House

1. Put fresh or silk flowers in principal rooms for a touch of color.
2. Add a new shower curtain, fresh towels, and new guest soaps to every bath.
3. Set out potpourri or fresh baked goods for a homey smell.
4. Set the table with pretty dishes and candles.
5. Buy a fresh doormat with a clever saying.
6. Take one or two major pieces of furniture out of every room to create a sense of spaciousness. 7. Put away kitchen appliances and personal bathroom items to give the illusion of more counter space.
8. Lay a fire in the fireplace. Or put a basket of flowers there if it’s not in use.
9. Depersonalize the rooms by putting away family photos, mementos, and distinctive artwork.
10. Turn on the sprinklers for 30 minutes to make the lawn sparkle.

Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS® Copyright 2005. All rights reserved. www.REALTOR.org/realtormag

Technorati Tags:open house, realtor, preparing your home

Helpful Website for HomeOwners

2005-09-12T07:17:00.000-05:00

I highly recommand this home-owners resource website: Home-Smart. You will find basic care guides, checklists and a troubleshooting section. Make sure if you bookmark this site!

Click here to view the Home Smart September and October home checklists.

Do you know of a great home resource website? Email me at ellie@athomeinstcloud.com and let me know!

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com
www.athomeinstcloud.com

10 Tips for First-Time Homebuyers

2005-09-10T09:34:00.000-05:00

This weekend I will be assisting with open houses. I meet a lot of first-time home buyers through these open houses so I thought I would print these great tips from the National Association of Realtors®

My personal tip is NEVER be afraid to ask questions. There is a lot to know about buying your first home and it can be overwhelming. But it's ok to ask questions and educate yourself as much as possible. Lastly surround yourself with educated people that you trust.

If you need help with finding your first home, stop by AtHomeinStCloud.com to educate yourself by going through our "Article" section. If you're ready to start seeing what is available out there in the market, visit "Find my Home" section and fill out the form. There is no obligation, it's a way for me to research what is available for your housing needs.

If you have any questions, don't hesitate to contact me!

Ellie McFadden, Realtor® - WHY USA Equity Realty - St Cloud, Minnesota -

Office: 320-259-4990 ellie@athomeinstcloud.com

10 Tips for First-Time Homebuyers:

1. Be picky, but don’t be unrealistic. There is no perfect home.

2. Do your homework before you start looking. Decide specifically what features you want in a home and which are most important to you.

3. Get your finances in order. Review your credit report and be sure you have enough money to cover your downpayment and your closing costs

4. Don’t wait to get a loan. Talk to a lender and get prequalified for a mortgage before you start looking.

5. Don’t ask too many people for opinions. It will drive you crazy. Select one or two people to turn to if you feel you need a second opinion.

6. Decide when you could move. When is your lease up? Are you allowed to sublet? How tight is the rental market in your area?

7. Think long-term. Are you looking for a starter house with the idea of moving up in a few years or do you hope to stay in this home longer? This decision may dictate what type of home you’ll buy as well as type of mortgage terms that suit you best.

8. Don’t let yourself be house poor. If you max yourself out to buy the biggest home you can afford, you’ll have no money left for maintenance or decoration or to save money for other financial goals.

9. Don’t be naïve. Insist on a home inspection and if possible get a warranty from the seller to cover defects within one year.

10. Get help. Consider hiring a REALTOR® as a buyer’s representative. Unlike a listing agent, whose first duty is to the seller, a buyer’s representative is working only for you. And often, buyer’s reps are paid out of the seller’s commission payment.

Technorati Tags:first time homebuyers, buying a home, realtor, st cloud

Offer a house or rental for relief

2005-09-09T07:07:00.000-05:00

LinkUSystems, Inc. and RE Asset Management, Inc. have partnered to develop this nonprofit site for people to post properties they are willing to either donate for a period of rental months, or at minimum, offer a reduced rental rate to families affected by hurricane Katrina.

If you have a house, rental or investment property sitting vacant, please consider helping those suffering from Hurricane Katrina. Or if you have room in your own home for a person or family who needs a safe place to go to. Visit this site to list your home on the ReliefHousing.org website.

Or if you're looking for a home, click here

Ellie McFadden, Realtor®

WHY USA Equity Realty

St Cloud, Minnesota

Office: 320-259-4990

ellie@athomeinstcloud.com

Technorati Tags:hurricane katrina, housing, relief housing

Weekend plans?

2005-09-08T07:27:00.000-05:00

Looking for something fun to do this weekend...well first if you're looking for a home, stop by one of the WHY USA Equity open houses (ok, yes that's a shameless plug!) and then head over to the Little Falls Craft Fair. If you love crafts and eating, you have to go!

What is your favorite part of the Little Falls Craft Fair?

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com

Technorati Tags:open house, little falls, craft fair

MN Family Offering Home for a Katrina Family

2005-09-07T12:49:00.000-05:00

I received an email from a family in Mapleton, MN who are offering one bedroom of their home and help with employment. I have copied some of the email here..if you know someone who could benefit from this wonderful opportunity, please send me an email at ellie@athomeinstcloud.com and I will forward the replies to this Mapleton family who want to help!
Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com

"I saw your posting on athomeinstcloud.blogspot.com regarding the collection drive for the survivors coming to Camp Ripley. We don't know how close you will be to the situation, but my wife and I would like to open up our home. We live in Mapleton, MN and have one bedroom available (free of charge, of course) to accomodate a single person, a family of two, or one or two children. Mapleton is a 20-minute drive from Mankato. We are within walking distance of an elementary school and high school, and the school district provides bus transportation to the middle schools. We would be able to assist in travel to our home. We can also assist in finding employment. (i.e., A friend of mine owns a bus company and is looking for charter and school bus drivers. I am helping him out by driving a route, but would gladly give it up to someone that needed it more. A good driving record and clean criminal record is important for obtaining this employment; however, there are many other potential opportunities available, as well.) We would also consider hiring someone to help with child care for our son during the day.
Our goal is to provide them with a safe, clean, warm dry place to lay their head(s) until they can get back on their feet. We don't have a lot of room, but are willing to share what we have. There is no time table or limit as to their stay. God may have closed one door so another can open. We think we can help, and more importantly, we want to help."

Technorati Tags:hurricane katrina, minnesota

Attention St Cloud Readers!

2005-09-07T06:53:00.000-05:00

I've been looking for a book club to join since I moved to St Cloud in January of 2005 so with the help of the St Cloud Transplants Club, I have started one.

We will be meeting on Sept 26th at Barnes & Noble in St Cloud at 6:30pm. Our September book is The Shadow of the Wind by Carlos Ruiz Zafon.

To join our email list, visit our yahoogroups site and if you have any questions email me at ellie@athomeinstcloud.com

Have a great day everyone!

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com

Technorati Tags:st cloud, book club

Making Back-to-School as Easy as 1-2-3

2005-09-06T07:02:00.000-05:00

It's that time...kids back to school! For St Cloud area school info visit At Home In St Cloud website. Do you have a storage/organizational tip for organizing your kid's room? Email me at ellie@athomeinstcloud.com with your tip!

Storage Solutions and Organization Ideas Keep Rooms Clutter-Free
(ARA) - Back-to-school is a great time to evaluate children's rooms to make sure they have a well-organized work and play space for the coming school year.
According to the experts at Pier 1 Kids, a solutions-based children’s furniture and accessories retailer, there are three easy steps adults can take to better organize children’s rooms for back-to-school time. Adapt these simple steps to best suit individual needs for smart study spaces and clutter-free kids rooms.

* Step One: Provide Adequate Storage for Belongings
Children need a place to store toys and other stuff when adults tell them it’s time to clean up.
“All of your child's belongings need storage space if you expect them to not be left around the house,” says Julia Summers, director of stores for Pier 1 Kids and mother of one. “Action figures tend to migrate to piles underneath the bed if they don't have a place to call home when playtime is over.”
Pier 1 Kids director of merchandising Peter Fowler agrees. “Storage trunks are essential to an organized kid’s room,” says Fowler. “However, toys are not the only things that need a home. Hang wall hooks within your child's reach for jackets and sweaters and save space in the closet for shoe bags or racks.”
Fowler also suggests color-coding storage areas for toys. “Color coordination is a simple technique to help kids. In fact, I use color coding as an adult!”
Use a variety of large and small wicker baskets and storage bins that are sturdy, attractive, colorful and affordable to store art supplies, books and toys. If larger storage is needed, try a toy chest, which is also perfect for quick clean-ups before company arrives.
“Teaching children to pick up after themselves at an early age will save both parents and children a lot of future stress,” concludes Fowler.

* Step Two: Create Smart Study Spaces
Parents should consider creating a comfortable place for school-age children to sit and color or to read and do homework without distraction. Study spaces can serve as a haven to work on homework and other school projects, and should reflect their personalities.
To make study spaces unique, try decorating them with fun, vibrant desk lamps, comfortable chairs and stylish desk accessories. This approach will help kids feel more comfortable and inspired to start the new school year off with a bang!
“A desk or workstation is a great solution for kids’ rooms. Not only will these serve as a place for young children to color and write, but they can also grow with your child,” says Fowler. “As kids’ interests grow, the space can be used to store books, toys, CDs and even computers.”
A computer workstation can be a great tool to house a computer, serve as a desk and store school and computer supplies. Use stacking bookcases, CD/storage towers and baskets with or near the workstation to house small books, CDs, toys and stuffed animals.
Pier 1 Kids has just introduced a new bunk bed -- the Teen Loft System. Combining a twin or full bed with a desk area underneath creates a useful solution for study, play and sleep needs. With a built-in keyboard tray, storage drawers and bookshelves, the Teen Loft System creates a unique, space-friendly design option.
* Step Three: Set an Example
The easiest and fastest way to teach kids to stay organized is for supervising adults to do so as well.
“If parents don't pick up their belongings from around the house as part of their daily routine, it makes it hard for children to understand why they have to,” says Summers.
Sort the mail as it comes in, hang up coats in the hall closet, put away the laundry when it’s clean, and find an appropriate home for magazines, paperwork and the like. By doing so, adults are demonstrating the positive behavior they wish to be mirrored by their children.

Courtesy of ARA Content

Technorati Tags:back to school, st cloud school, storage, kids

How You Can Help-Part 2

2005-09-05T17:06:00.000-05:00

The Housing Coalition of St Cloud is holding a collection drive for the thousands of Hurricane Katrina survivors coming to Camp Ripley. You can drop off items from 9am-4pm through Wedesday, Sept 7th. Items of interest to bring:
Personal hygiene products
Clean and used clothing
New undergarments and socks
Clean footwear for adults and children
Bedding

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com

Technorati Tags:housing coalition, st cloud, realtor, camp ripley, hurricane katrina

Handling Weather Emergencies: Part 2

2005-09-05T10:36:00.000-05:00

Handling Weather Emergencies: Part 2; Home Security, Evacuation, and Emergency Kits
By Graham McClung

Introduction

Part 1 of this article on preparing for weather emergencies discussed forming an emergency plan to reduce the stress and worry of facing a full blown weather crisis.
The focus was on safeguarding your family by planning well in advance of any threat.
This, the second half of the article, looks at two things.
Preparing your home to survive severe weather, and securing it in case you have to leave.
Coping with evacuation or temporary isolation, and assembling one or more emergency kits.

Home Security
Some forms of weather related emergency are capable of destroying your home no matter what you do - floods, tornadoes and Category 5 hurricanes come to mind.
But long term preparation and a clear plan for when severe weather is approaching can do a lot to protect your home from damage or destruction. Or to protect you if you are inside.
So put together a plan about securing your home and loading valuables and essential supplies into your vehicle in case you have to leave quickly.
Such tasks are made easier if you have been able to assemble suitable tools and equipment well before the problems arise.
Long term plans could include adding roof ties or even strapping down your house if strong winds are likely, or reinforcing an interior ground floor room to provide refuge from destructive winds.
Between a threat developing and dangerous weather arriving, there is usually some time to add protection to your home. Boarding up windows if faced with strong winds, or cutting back flammable vegetation and cleaning gutters if faced with a wildfire are worthwhile tasks if you have the time.
And as a last minute job, store outdoor furniture securely - apart from the probability of loss, a strong wind can turn them into effective missiles that could be directed at your home.
Finally, know how and where to turn off utilities - water, gas, power - and make sure other family members know it too.

Emergency Kits
An Emergency Kit is a pre-packed container which you can grab instantly if faced with a threatening situation. It should hold everything you will need if you are cut off from utilities and supplies, and should be kept separate from products and tools which you use everyday or for recreation.
It is also worth considering permanent kits for your car and workplace, but let's focus on those kept at home.
Depending on the types of threats you may face, you could need two sorts - one if you have to leave and another if you are staying.
They should be designed to meet the particular needs of you and your family in the sorts of emergency you are most likely to face. For more information, visit the FEMA website, and check out their excellent manual at http://www.fema.gov/areyouready
Here are a few suggestions.
If you have to evacuate, your destination will probably provide food and shelter. Clothing and special needs - baby and infant needs, prescription and basic medical supplies - are the most important. Include extra warm clothes - heating may not be efficient. Food treats and special toys will make things easier for children. Some basic food and a couple of gallons of bottled water are always worth including just in case. A "keep your hands off" supply of emergency cash is also a great idea.
Alternatively, if you are likely to be isolated and unable to leave your home for a while, assemble a kit which will keep you supplied for at least three days. Assume you will have no power, heat, water or waste disposal.
The essentials are plenty of water - allow 1 gallon (4.5l) per person per day, of which half will be drinking water. Commercial bottled water is a good choice. Include non perishable food, preferably low salt, and don't forget a manual can opener. You'll need a battery powered radio and a flashlight, both with plenty of extra batteries, and a first aid kit.
A camp stove and gas bottles are a great addition, and you'll need some cooking gear and some matches in a water proof container. Make sure you have enough infant or special needs, plus any necessary medication. And warm clothes should be included, plus strong shoes.
Now much of this gear will be in your house anyway, but the point of this kit is that it can double for an evacuation kit, and will be ideal if your destination is somewhere other than relatives or an emergency shelter.
And Finally.....
OK, you've given up some of your valuable time and made your plans for all likely eventualities. Chances are you'll never have to use them, but things happen, and the hundred year flood may turn up next year. You can now relax and know you've done your best to protect your family and your home.
One more thing. Include in your plans some time in a year or so to review everything, to make sure everyone understands the plan, and to go through the emergency kits and replace anything that's damaged or out of date. It won't take long, and you'll be ready for anything.

©2005, Graham McClung. This article is adapted from a free special report on weather emergencies. It can be downloaded from http://www.home-weather-stations-guide.com/tyvm.html

While you're there, check out the rest of the site for more information on dangerous and spectacular weather.
Article Source: http://EzineArticles.com/

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com

Technorati Tags:weather emergencies, realtor

Handling Weather Emergencies-Part 1

2005-09-03T20:28:00.000-05:00

Hurricane Katrina serves as a major reminder that we need to be prepared for weather emergencies, no matter where we live. Do you have a tip for preparing for Minnesota severe weather? Email me your tip at ellie@athomeinstcloud.com

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com

Handling Weather Emergencies: Part 1 - Forward Planning Makes The Difference
By Graham McClung

Introduction

At some time in our lives, many of us will face an emergency. Most will involve personal illness or injury, but severe weather, including hurricanes, thunderstorms, tornadoes and heat waves, is a very common threat.

Severe weather and its after effects, such as flooding, results in numerous deaths and injuries every year, together with major property damage and loss.

But we are not entirely powerless in the face of these disasters - a little time and effort now will significantly reduce the risks of death, injury and property damage. It will also help you recover much faster.

Planning for emergencies is complex subject, too big for a single article.

Part 1 covers identification of the threats to you and your family, how to make sure your safety is protected, and making sure everyone knows what to do, even if you are separated.

The second part considers those precious few hours before the the weather becomes really threatening. Preparation is crucial to make sure your family is safe, and your home and belongings are as secure as possible.

Advance Planning - It's A Drag But It Pays Off

One of the hardest things about preparing for emergencies is finding the time.
But if you live in North America, your weather is arguably the wildest on the planet. Your chances of being threatened by severe weather are very real.
So at some stage (soon!) why not set aside an hour or so to do a little groundwork and prepare for when things get nasty.

Involve your family - the more heads the better, and it is possible that one of you may be incapacitated in a serious emergency.

Four big questions need to be answered before you can regard yourself as reasonably well prepared.

What are the threats, and how can you minimize them?

If you have to leave in a hurry, where will you go and how will you get there?

How will the family get together or keep in contact if they are scattered between hone, work and school?

What can you do now to help you handle the emergency competently, and then return to normal life quickly?

What Are The Biggest Risks?

This sounds pretty easy, because you know where you live, and what sort of weather to expect as the seasons change.

But when you get down to it, severe weather is often just normal weather become stronger, or bigger, or longer lasting.

When considering your home, a great shortcut is to contact your local emergency management office or the Red Cross to see what information they have on your area. You should be able to find FEMA (Federal Emergency Management Agency) hazard maps and other relevant material to help with your planning.

It's also worth thinking about other places you regularly visit - the beach, the lake, relatives - and even where you go on vacation.

Shelter and Evacuation

Most severe weather emergencies arrive without much warning. You may need to leave your home and move to a safer area.

Early warning and sound planning will reduce the stress of any emergency, and the first step is to be well informed.

And there is no better way than to use the Weather Radio Service provided by NOAA (National Oceanic and Atmospheric Administration) and the EAS (Emergency Alert Service).

Advisories of threats and hazards are broadcast over dedicated radio frequencies (to avoid interference from commercial broadcasts) and can be received on specially modified weather radios.

More information on the Weather Radio Service and equipment can be found at http://www.home-weather-stations-guide.com/weather-radio.html

Evacuations can be a matter of choice or they may be mandatory. Becoming familiar with exit routes will reduce much of the stress of having to move out fast.

In some cases, such as tornadoes, you may need to use a nearby shelter. Again prior knowledge of its location and easiest access will be invaluable.

Communication Between Family Members

Emergencies often happen at the most inconvenient times. Your family may be scattered between home, work and school when the weather becomes threatening, and you may remain separated for some time until things return to normal.

Work out in advance what procedures are likely to be followed - does the school have an emergency plan and shelter? How about the work place? It will help if each family member knows what to do, and what others will be doing and where they are likely to be during an emergency.

Prepare wallet sized summaries of locations and phone numbers for each family member, while cell phones should help you to keep in touch.

Long Term Plans

So far everything I've suggested assumes that you will, some day, need to act fast to protect yourself against a developing emergency.

This section covers preparations which should benefit you regardless of whether an emergency arises.

These include

Checking your house and property insurance. Get the best you can afford, and remember that even if you live on a floodplain you can still get flood insurance. At the same time, make an inventory of your possessions.

Arrange secure storage of small valuable items and documents, preferably away from your house. Include copies of credit and ID cards.

Learn first aid and how to administer CPR.

Make sure you know how to operate a fire extinguisher

And consider joining one of the volunteer emergency organizations - the better you understand what may happen, the easier it will be to handle it if and when it does

Make advance arrangements for your pets - possibly a pet carrier for small animals, and safe accommodation for larger animals.

OK. Now you're prepared for the worst, and you have significantly reduced the effects a major emergency will have on you. Part 2 of this article reviews what to do as the weather becomes threatening.

©2005, Graham McClung. This article is adapted from a free special report on weather emergencies. It can be downloaded from http://www.home-weather-stations-guide.com/tyvm.html

While you're there, check out the rest of the site for more information on dangerous and spectacular weather.

Article Source: http://EzineArticles.com/

Technorati Tags:
weather emergencies, realtor

How you can help

2005-09-01T07:50:00.000-05:00

For those that live in Minnesota, Fox 9 News is holding a Katrina Relief Drive. They will be taking needed items to those in need. Needed Items include:
Bottled Water
Diapers
Baby Formula
Hand Sanitizer
Batteries

DROP OFF TIMES: 5:00AM - 11:00PM

FOX9 STUDIOS is located at:
11358 VIKING DRIVE
EDEN PRAIRIE, MN

For more info, visit the Fox 9 website.

-----
If you're visiting the Minnesota State Fair, stop by the KARE 11 booth and you can make a donation to the Red Cross right there.

-----
Are you looking for a family member for friend in the affected areas? Click here for a Lost/Found message board

Can you offer temporary housing? Click here for that message board.

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com

Technorati Tags:hurricane katrina, realtor, st cloud

Relocated to the St Cloud area?

2005-08-30T06:47:00.000-05:00

New to the St Cloud area? It can be hard to meet new people when you relocate to a new area. Help is here! Dan and Jean Super have started a "Transplants Club" for the St Cloud area. Get together with other area people to enjoy a movie, happy hour, book club, exercise...whatever you wish!

Click here for more information on the "Transplants Club" You will find an Events Calender and Message board. Don't be shy...stop by and introduce yourself!

Ellie McFadden, Realtor®
WHY USA Equity Realty
St Cloud, Minnesota
Office: 320-259-4990
ellie@athomeinstcloud.com

Technorati Tags:relocation, moving, st cloud, minnesota, realtor

Hurricane Katrina

2005-08-29T18:02:00.000-05:00

My thoughts are with all who are dealing with Hurricane Katrina. If you would like to make a donation to aid those suffering, click here for the American Red Cross website.

Ellie McFadden

Three Reasons to Buy Rather than Rent: Taxes, Appreciation, Equity

2005-08-26T07:51:00.000-05:00

Asking a real estate agent if you should buy a home rather than rent is like asking a barber if you need a haircut. The answer is a predictable “yes.” Of course, everyone doesn’t need a haircut, and everyone doesn’t need or want a house. But most people do.

In fact, more than two-thirds of all American households own their own homes. Not everyone can be a homeowner. Some people don’t want to be one, but many people do. That’s why homeownership is at a record level.

Interest in owning a home has been spurred by historically low interest rates. Of course, the traditional reasons — including the desire to own a place of their own — continue to inspire would-be homeowners.

There were more than 34 million renting households in the United States in 2002. Many renters rent because they prefer it — it’s a lifestyle choice. Some households either do not want or feel they cannot manage ownership of a house. If you want accessible, flexible housing with little upfront cash requirements, renting is the right choice.

But renting may not be best in the long term, say Carter Murdoch and Lawrence Yun, economists with the National Association of Realtors. That’s because the cost of U.S. rental housing has increased an average of 3 percent per year over the last ten years.

A rental unit that currently costs $750 per month will cost more than $978 per month in ten years. There are three advantages to homeownership: taxes, appreciation and equity. Let’s say a buyer puts down $10,000 (plus closing costs) to buy a $110,000 home. The remainder is financed with a 30-year mortgage at 6.5 percent. Monthly principal and interest will be $632 and monthly property taxes $115, a total of $747 — about the same monthly cost as the renter mentioned earlier.

But the buyer has something that a renter does not. Assuming the buyer is in the 30 percent income bracket, the mortgage interest tax deduction the first year is $162 per month; the buyer also receives a tax deduction for property tax of $34 per month. That’s a monthly tax deduction of $196.And the benefits don’t stop with taxes. On average, homes nationwide have appreciated at 4.5 percent over the past ten years. That’s $4,950 on the $110,000 home in the first year. In the second year, the home’s value is $114,950 and appreciates another $5,173. In year three, the home’s value is $120,123 and appreciation $5,406. You get the idea.

And then there’s equity. That portion of the monthly mortgage payment dedicated to reducing the principal owned on the home will have added up as well. By the end of year ten, the amount owed the lending institution will have been reduced to $86,620. In other words, the owner’s have accumulated $13,380 in equity they would not have realized if they had been renting.

After ten years, a home that originally cost $110,000 could be worth $163,470, assuming a 4.5 percent appreciation rate. Combining the increase in appreciation and the equity built up through house payments, the average household can expect to accumulate $66,850 in home equity in ten years. Meanwhile, assuming Murdoch and Yun are correct, the renter who was paying $750 per month is now paying $978.Taxes, appreciation and equity are three tangible benefits to homeownership. But there are other appeals — such as the pride of owning your own home.

Deciding whether to buy or rent is much more complicated than deciding whether to get a haircut. But those who decide to buy, reap financial rewards.

Real Estate Center Online News, July 2003.

Author Information
David S. Jones
David S. Jones is Senior Editor and Director of Communication for the Real Estate Center at Texas A&M University. For additional information, contact the Frog Pond at 800.704.FROG(3764) or email susie@frogpond.com

Are you a Renter? Ready to make the next step in home-ownership? Stop by my website to get your home search started! Or if you have questions regarding what to do to get started in owning your own home, give me a call at 320-229-4025 or email me at ellie@athomeinstcloud.com

For more articles, visit At Home in St Cloud website.

Technorati Tags:renting, buying a house, realtor, st cloud

Racing to Save Lives

2005-08-21T12:08:00.000-05:00

My cousin, Christine and her husband, Brian are participating in a very important cause: The Leukemia & Lymphoma Society Team in Training. They will be participating in the Honolulu Marathon on December 11, 2005. They are committed themselves to intense training and fundraising for 5 months.

They are walking in honor of Rosie Peterson, a wonderful 12-year old girl who was diagnosed with leukemia in February of 2003. They are also honoring Brian's cousin, Renee Koster who was diagnosed with Acute Lymphocytic Leukemia in June of 1988. Today, Renee is enjoying health in remission after many years of painful treatments.

Christine and Brian are trying to raise $4700 by Friday, Sept 16th, 2005 (donations to their goal will be accepted after this date if you are unable to contribute by 9/16).

For more information and/or to make a donation please visit their website http://www.active.com/donations/fundraise_public.cfm?key=tntmnCshrive

Thank you so much!

Save Your Cub Receipts

2005-08-06T20:05:00.000-05:00

From time to time, I will post ways you can help the St Cloud community.

Animals are dear to my heart, so I try to help in this area as much as I can. While browsing the Tri-Country Humane Society (if you're looking to adopt a pet, make sure to check them out!), I noticed the news blurb about Saving Your Cub Receipts. Click here to see how you can help simply by giving the humane society your St Cloud Cub receipts.

And I would like to introduce your to my "furbabies". Simon and Max. Simon is the Siamese and Max is my other guy. Max was rescued from the humane society in Brainerd, MN.

Be good to your pets!

Tell me about YOUR Home-Buying Experience

2005-08-02T08:08:00.000-05:00

As you know I'm starting out in real estate . I want to know what your past experience has been like and what you expect in a good real estate agent. I'm obviously still learning the ropes so any feedback you have will greatly help me to be a great agent! Feel free to pass this on to any of your friends and family. Answer any or all of the questions. Whatever works for you! Please emailback to ellie@athomeinstcloud.com

Name:

Mailing Address:

Tell me a little about your current home (# of bedrooms, bath, any unique features)

Think back to when you purchased your first home. What fears/uncertainties did you have about the house-buying experience?

How did you find your agent?

What things did your agent do for you that you liked?

What things did your agent do for you that you disliked? Or things youwished they would have done/explained?

When you searched for homes on your own, where did you look? Newspaper? Home Magazines? Online? Other?

What are your expectations for your real estate agent?

Do you plan to work with your agent again in the future? Why or Why not?

Thank you so much for your time!

Welcome!

2005-07-29T09:38:00.000-05:00

It's time I got started writing in my blog.

So you're wondering "What is 'At Home in St Cloud'" and who is "I"?

I'll start with my introduction. My name is Ellie McFadden and I reside in St. Cloud, Minnesota. I've lived in Minnesota my entire life but not in St. Cloud. I was born & raised in St. Paul, moved to the Brainerd Lakes area in 1996 and now recently moved to St. Cloud (January of 2005).

What brought me to St. Cloud? Well, life chanages motivated my move and I really liked this area. I had the choice of moving anywhere and decided on this area. I also started working at WHY USA Equity in St Joseph as an office manager. And I love it!

Which brings me to the other question. I decided to get my license in real estate and I'm currently working on my website -- www.athomeinstcloud.com

"At Home" will be a resource website for all of us residing in the central Minnesota area and for those looking/selling their home.

I've spent the last few months studying for the MN license exam (it's a tough one for those of you currently studying) and taking the required classes. I passed the exam and finished the classes. Now I'm just waiting for that all important slip of paper to come in the mail from the MN Dept. of Commerce.

I wanted to start this blog as a way to journal my adventures in my new career. And if you're in the same boat as me (just starting out), I would love to hear from you!