Hurricane season starts today and it promises to be an active one.  Here are some things you need to do now to prepare:1. Photograph everything you own.  Open drawers, closets, storage containers, you name it and take pictures.  Make sure to include all furniture, electronics, appliances etc.  On the back of each picture write the approximate cost of the major items and when purchased.  It will save you hours and hours and hours of time should you have a claim, trying to recreate what you own and what it cost.2. Have at least two sets of photographs.  Keep at home sealed in triple zip lock bags in the fridge.  The fridge is waterproof and pretty much fire proof.  Or put them in a fireproof safe.  The second set is in the safe deposit box at the bank.3. Have duplicate copies of all impor... 03/29/2007

I'm sure we all have "kits" that contain various tools, cleaning products, etc.  In addition to the obvious I also carry along a bottle of lite olive oil.  I use this on dry furniture that needs a good oiling, dull hardwood floors, kitchen and bathroom cabinetry, and in the kitchen to polish stainless steel appliances and sinks.  I'm not sure how I stumbled upon this eco-friendly polishing product, other than years ago I gave it a try on a tired looking stainless steel sink and it worked.  For furniture I apply liberally and rub in.  For floors I pour on the floor and mop it in with a waxing mop.  For stainless steel, a small amount on a rag, then buff off with a clean dry cloth.  It not only shines up the stainless but it removes all those finger prints that stainless steel is so fond ... 03/25/2007

We all know that a big turn off to potential buyers is the offensive smells some homes seem to exude.  As a home stager smell is one of the items I counsel homeowners about.  Barring a thorough pressure washing of the interior of the house, which is often needed :-) some of the tips I impart are:1.  Coffee in those sealed pouches strategically placed around the house and one or two attached to the A/C filter will filter out a lot of noxious odors without making the house smell like Starbucks.2.  Smokers, take it outside till the house sells.  A concerted effort to rid the house of tobacco smells works as long as the smokers keep it outside.3.  A product such as Simple Solution can be literally poured on carpets and upholstered furniture to get rid of pet urine stains and smells.  Its a ... 03/24/2007

I just read a blog regarding the difficulty of going "green", what with the paper, the gas, electricity, etc. we consume in our businesses.  There are two resources that can help you offset your "carbon footprint" on the earth.  The first is the Terra Pass.  You estimate the amount of electricty you use in a year then purchase the appropriate Terra Pass.  The money is used for alternative energy research and to support companies that promote alternative energy resources.  You can also purchase a Terra Pass when you fly, to offset the CO2 emitted by the plane(s) you fly on.  The other resource is Green Dimes.  They will contact all those junk mailers and get you off their lists. That includes magazines and catalogs.  Of course we all know the little everyday things we can do, like using ... 03/19/2007

"Florida law requires insurance companies to offer homeowners discounts or credits for existing building features or home improvements that reduce damage and loss from hurricanes.  Florida insurance companies are required to file these discounts with the Office of Insurance Regulation.  With the outrageous cost of homeowners insurance, you can save your clients money by recommending a wind mitigation inspection. Homes built after 2001 should receive a discounted rate on their insurance wind premium automatically. If you have any questions about anything home related call anytime. I'm here to help. 03/12/2007

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us. 01/02/2007

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.Phillip LanierAccess e*Mortgage, Shore Point Financial GroupOffice:  (321) 956-0884Toll Free:  (866) 663-6898 01/02/2007

Think bankers have better prices and more mortgage programs? Think again!Mortgage Brokers make 65% all home loans closed each year. Have you ever wondered why your neighbors selected a Mortgage Broker as their mortgage provider? Because . . .Customer satisfaction is the key to a Mortgage Brokers livelihood and serving you is a Mortgage Brokers most important concern. He/She will treat you like a person, not a loan number. Your Mortgage Broker doesnt work bankers hours. They are available 24/7, not just 9 to 5 Monday through Friday!Your Mortgage Broker is your consultant, working with you as you determine your borrowing needs. With 100s of resources a broker can almost always match your borrowing needs with a program to suit those needs whereas most banks establish their own limited crit... 01/02/2007

Money Money Money! Current mood: accomplished Bringing wealth and management to Brevard County, as I have been asked to do larger work at the Women's Center.  I am proud to be a volunteer at the center for about 6 months. Today, I was asked if the center could advertise Higher Ground Financial Services as the Financial Advisor/Budget Workshop Moderator to the community. I will be continuing seminars once a month through the center. These seminars are free and held on the property at this time.  The Florida Today will run regular advertisment for the Women's Center.  I want to take this opportunity to invite you to the monthly meetings.  I will be adding additional workshops for seasoned clients, and one evening a month to accomodate the weekend warriors.  If  you would like to sign up p... 12/30/2006