Ways to boost an already good credit score, or boost it after a foreclosure or short sale on your record.You never know when you will need your credit score again.   Tips to Improve your Credit 1. Review your current credit report for accuracy. Everyone is entitled to one free credit report per year from each of the three credit bureaus-Experian, Equifax, and TransUnion. Get a copy of your credit report and look at it for accuracy. First, make sure that the information in your file is about you and only you, not someone who has a similar name or a similar Social Security number. It is very common for your credit reports to have mistakes or incorrect information. At a minimum, make sure that the information you are being evaluated on is current and correct. 2. Repair credit report mistak... 01/28/2010

        Give a Day. Get a Disney Day. This year celebrate the spirit of giving. Give a day of volunteer service in 2010, and get a day of Disney Theme Park fun - free! Disney Parks has announced a new program that celebrates the spirit of volunteer service with a simple proposition: "Give a Day, Get a Disney Day."  To inspire people to volunteer in their communities during 2010, Disney is offering a free, one-day admission ticket to a Walt Disney World® or Disneyland® theme park to the first one million people who perform volunteer service for a participating organization (such as the Palm Bay Volunteer Service Corps). Starting Jan. 1, 2010, Palm Bay citizens can go to www.DisneyParks.com to search for eligible volunteer opportunities.  After you pre-register, sign up and complete your... 01/27/2010

I was recently contacted by a woman, through the internet, that inquired on putting her recently deceased father's Palm Bay home on the market. We arranged for a time to meet, so we could discuss the current market, my marketing plan for selling the home and a realistic list price for the property. Prior to our meeting, I contacted my title company to do a preliminary search on the home's title, to discuss the way in which title was held on the property and what documents would be needed for a closing on this estate. At our meeting, I asked what her target date was for getting the house on the market.  She said she was ready to put the house on the market that day.  Uh-oh! That wasn't going to work. The house was in a state of disarray. The family was in the process of going through the... 01/23/2010

Palm Bay Palm Bay is a growing community of approximately 100,000 that sits just south of Melbourne and in the Southeast portion of Brevard County or , “The Space Coast.” It includes large tracts of land both east and west of I-95, some frontage on the Indian River Lagoon (which is the ICW or Intracoastal Waterway), and on the east shades into adjoining (and currently more rural) residential areas of Malabar, Grant, and Micco extending south to Sebastian. The whole area is basically new and is growing at a rapid pace. It’s a young city with an average age of 37 and an average household income over $40,000. New home construction at affordable prices is popping up everywhere. As of August 2005 there are some new homes and condos for under $200,000. Palm Bay represents not just good real ... 01/09/2010

If you have not gotten a chance to visit this outstanding nature trail - make sure you put it on your schedule the next time you are anywhere close to Orlando, FL.  Just 40 minutes east of Orlando - this nature trail is absolutely gorgeous!  4.5 miles of neatly manicured trails.  1.25 miles of the trail is a boardwalk.  Here is the website below with a few pictures that I took and a Google map of the location.  Definitely worth the trip! http://www.foturkeycreek.org/id7.html       View Larger Map 12/29/2009

Join the DATADOT Revolution in Palm Bay.  Attend Explorer C.A.M.P. December 12th at City Hall. The City of Palm Bay and DATADOT Technology USA have formed a first-ever community partnership designed to further reduce burglaries and thefts. To kick off this year long program, the City will host Explorer C.A.M.P. (Community Auto Marking Program) on Saturday, December 12th from 9am to 2pm at the City Hall Complex on Malabar Road.  Experts from DATADOT Technology USA, assisted by Palm Bay Police Explorers and VCOPS, will mark the first 500 vehicles for a substantially reduced rate of only $30 per vehicle (truck, vans and cars only).  Vehicle marking takes only 15 minutes, including application of DATADOTS and the online registration.  No recreational vehicles or motorcycles please.  Home a... 12/12/2009

  The city of Palm Bay continues to make this a great place to work and play!!!  This is a great way to improve our Parks for the kids!  Go Play! Palm Bay has been named a "Playful City USA" community by KaBOOM!for the second year in a row. KaBoom! is a national non-profit organization that empowers communities to build playgrounds, with the goal of a great place to play within walking distance of every child in America. Palm Bay is one of only 93 communities that have each demonstrated creative commitments to the cause of play and earned this title. View Parks and Recreation   11/29/2009

Holiday Parade - December 5, 2009 6pm   DECEMBER 5, 2009 6PM  Join the city of Palm Bay as they kick off a year-long 50th Birthday Celebration with the annual Holiday Light Parade.   The parade begins north on San Filippo Drive, then turns west onto Malabar Road. The parade ends by turning south onto Eldron Boulevard. The judges' viewing stand will be located at the Colonial Square Shopping Center.                                                               11/29/2009

  RISMEDIA, November 24, 2009-Black Friday may kick-off the holiday shopping season, but not everybody's out to buy gifts. Of the half of Americans who plan on shopping in stores or online over the Black Friday weekend, 66% say they'll be shopping for themselves according to the latest Consumer Reports Holiday Shopping Poll. The day after Thanksgiving, otherwise known as Black Friday, is not the only important shopping day of the holiday weekend. While 28% of adults plan to shop in-stores on Black Friday, just as many (29%) say they'll be shopping on Saturday or Sunday afterwards. Overall, half (53%) of adults expect the deals to be just as good in-stores as online this year. The Black Friday weekend shopping list for consumers includes clothing (71%) and electronics (70%), with video g... 11/24/2009

 THIS IS FOR REAL. THERE WILL BE A SHORTAGE OF LIBBY'S CAN PUMPKIN. SO IF YOU HAVE TO HAVE A PUMPKIN PIE FOR THANKSGIVING YOU BEST GO OUT AND BUY YOUR PUMPKIN VERY SOON. HAPPY THANKSGIVING !!!!!!     Pumpkin shortage could mean empty shelves after Thanksgiving -- latimes.com 11/18/2009

 Here is a list you can print and give to all your sellers According to the HomeGain survey, the top five home improvements that Realtors recommend to home sellers based on cost and return on investment (from highest to lowest ROI) are:  1. Cleaning and de-cluttering ($200 cost / $1,700 price increase / 872% ROI)2. Home staging ($300 cost / $1,780 price increase / 586% ROI)3. Lightening and brightening ($230 cost / $1,300 price increase / 572% ROI)4. Landscaping ($320 cost / $1,500 price increase / 473% ROI)5. Repairing plumbing ($385 cost / $1,250 price increase / 327% ROI)  Read more: http://rismedia.com/2009-11-09/home-sellers-top-5-home-improvement-projects-based-on-cost-and-return-on-investment/#ixzz0WSsHfrUt 11/10/2009

  If you know of a Home owner with a Chase mortgage here is the website if they need help because they can no longer afforded there mortgage payments. You download the forms and follow the instructions. https://www.chase.com/chf/mortgage/keeping-your-home 11/09/2009

I am on my way out to show houses.  This first time home buyer has been actively looking for a house for over 2 months in a 5 mile radius of Palm Bay. She has realistic expectations.  She and her husband aren't looking for a home that is out of the ordinary. She'd like a 3 bedroom, 2 bath, 2 car garage about 1500 square feet of living. In the under $125K price range she should be able to find what she is looking for. She is an FHA buyer, so to stay within FHA guidelines the home she chooses must have a newer roof, newer A/C unit, some type of heat, a stove, no broken windows, and if it has a pool it can't look like a swamp monster lives in it.  Easy right? Well, maybe not right now. We have looked at every house in her price range in the area she would like to live.  Many are short sale... 10/31/2009

    Teal is the New Green: EXIT Realty Announces Alliance with EcoBroker® International EXIT-EcoBroker designation denotes "green" expertise for consumers The green real estate movement is today's mantra for everything from energy-efficient appliances and toxin-free building materials to all-natural cleaning supplies or water-saving products.  Everywhere we turn, marketing screams for our lives to "go green!"  Whether it's the bag you pack your groceries in, separating recyclables before putting out the garbage or checking the tags on what you buy to ensure it's organic, day-to-day living centers around being - or quickly becoming - eco-friendly. With that in mind, EXIT Realty Corp. International announced today the launch of its green initiative, "teal is the new green",  which include... 10/05/2009

WOW!!!  Mortgage rates are at there lowest levels in THREE Months.  A 30-year fixed-rate mortgage average 5.12%. Last week the average was 5.29%. This time last year a 30 year Fixed-Rate- Mortgage averaged 6.47%. The 15-year Fixed- Rate mortgage averaged 4.56% down from 4.68% from last week. A year ago at this time the 15 fixed-rate-mortgage averaged 6.00% Low mortgage rates are helping to reinforce the housing market. New construction on single-family homes rose for the fifth consecutive month in July 2009. This is the most since October 2008. This is great information for all buyers and sellers currently in the market place. Buyers need to buyer at these great mortgage rates and sellers will be able to sell faster with great mortgage rates. Everyone is a winner!!!!! 08/24/2009

 Most  consumers are afraid of finding out there credit score for fear of it being bad. To understand what drives your credit score take this short quiz. This will help you understand your credit profile. 1. To have a credit score you must have at least one creditor reporting activity on your credit report for :      a) 3 months  b)  12 months  c) 6 months 2.  What is the top contributing factor to a good credit score?       a) Amount you owe  b) Payment history  c) Length of credit history 3.   What can a credit score tell a lender?       a) Tell if I make my payments  b) Predict the likeliness that I will repay my loan on time       c) Compare me to other 4. To have the best credit profile impact what is the maximun amount of your monthly credit line you should use?       a) 25%    b)... 07/13/2009

I hope that today families are spending time together this Memorial Day. It's a reminder that summer is almost here. The weather here is gorgeous, and we are looking forward to a wonderful couple of months. There are so many things to do here in Brevard County Florida and in the surrounding areas. Florida is full of theme parks; Walt Disney World's Magic Kingdom, Animal Kingdom, MGM Studios, Epcot Center, Universal Studios, Islands of Adventure, Wet 'n Wild, and the list goes on and on.  These are located in Orlando, just about 40-50 minutes from Melbourne.  We have beautiful beaches on the east and the west coast of the state, with water skiing, jet skiing, parasailing, surfing, swimming, and fishing. There are so many great reasons to come to Florida for your summer vacation. We cert... 05/25/2009

Here in Brevard County its estimated we have in excess of 9000 foreclosed homes on the market.  I can't help but wonder, if one's credit is bad due to the foreclosure, where do you go, and how are you able to pass the credit check if you're going to become a renter?  I can only imagine the stress upon people, who are not only losing their "home" but also losing the roof over their heads.  It can't be pleasant nor easy to hit the road and start looking for a place to go, knowing your credit has been damaged.  I wish only the best to the people who find themselves in this situation.  And hope, that the mortgage companies will finally come to their senses, and try to work with their clients to keep them in their homes.  Its a win win for both sides, but so far the banks haven't been intere... 02/28/2009

Denise Shockey | RE/MAX Absolute | 321-446-4994 3585 SE BAYSIDE LAKES BLVD Palm Bay FL Bayside Lakes Commercial District Building for Sale Retail/Commercial offered at $1,489,000 Year Built Unspecified Sq Footage 10,034 Floors 1 Parking Uncovered spaces Lot Size Unspecified Maint $0 per month DESCRIPTION Fabulous Location. Multiple possiblities. This building is located in the heart of the Bayside Lakes Commercial District. Portion of building was Snapper's Seafood Restaurant. Some restaurant equip remains, inventory list available upon request. Other portion of building currently a shell finish. see additional photos below PROPERTY FEATURES Use: Entertainment , Food/Drink , Office , Retail 50 Parking Spaces LOCATION FEATURES Main Street Near Golf Course ADDITIONAL PHOTOS Seller contac... 01/08/2009

Have you just moved, or are you thinking of relocating to Palm Bay Florida with your pets?  We met some really great people at Double R Discount Pet, Farm & Ranch Supply.  Palm Bay Florida has many areas for horses and other farm animals to roam, so Michelle's discount prices will be a benefit.  One thing that stood out to us about Double R Discount Pet, Farm & Ranch Supply is that they are a local family owned business, and they want to help meet your needs.  They have a really nice online catalog that you can look at here.  The store is located at 5156 Minton Road NW, Palm Bay Florida. Call Michelle for advice or questions at 321-837-1625, or toll free at 866-325-7779.  She would love to help you with your pet needs! We love to partner with and support our local businesses, and hope y... 12/06/2008