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Setting Goals When Dieting

As with most things in life, setting goals is very important when dieting. When you look at things truthfully and objectively you should notice that most of the things you’ve accomplished in life have been accomplished because you not only had a goal but also had a clearly planned and well thought out process for achieving that goal. That being said, why is goal setting so important when it comes to dieting?

First of all, it is difficult to achieve a goal if you do not have a clearly defined goal. There are times in life when it is almost impossible to tell whether you are succeeding or failing because you aren’t certain exactly what the desired outcome should be. Identifying your dieting goals before you begin eliminates this particular possibility.

Second, having dieting goals gives you a measuring stick by which you can judge your process. This is important so that you know when your efforts are failing behind and when you’re moving along schedule or ahead of schedule. In other words, you will know when to celebrate and when to give yourself a swift kick to the rear.

Now that we know why we set weight loss goals, let’s discuss how we should go about setting those goals that are so important for dieting success. You want to set goals that are aggressive without being impossible to achieve. If you set goals that are beyond your reach you will find that frustration will be your dieting partner until you reach the point where you give up all together. In order to avoid this you should take great care to insure that your goals are possible for you to achieve.

When it comes to weight loss be specific when setting your goals. Rather than setting a total goal of 40 or 60 pounds start with a specific goal such as 10 pounds in one month. Then you can extend the goal to the next month until you’ve reached the overall goal of 40 or 60 pounds. It is much easier to lose 10 pounds four times than it is to lose 40 pounds at once. It’s a trick of the mind but it works. Ten pounds sound simple and achievable. Forty pounds sound like an insurmountable obstacle.

Another thing about goals is that you want to hold yourself accountable but you shouldn’t call the whole thing off if you only lose 9 pounds instead of 10. Instead, find out where you dropped the ball for the final pound and set your 10-pound goal for the next month.

You should also take great care that you are working with your personal goals and not the goals that someone else is pushing on you. The truth is that if it’s personal to you, it will be much more rewarding than if you are doing this for someone else. If your heart isn’t in it, there are very few goals that are going to motivate you properly.

Finally, you should establish small (non-food) rewards for accomplishing your dieting goals. Perhaps your reward will be a new accessory for your new (or new old) wardrobe or a pedicure for your new look. Make your reward something fun and frivolous and teach yourself that accomplishing your goals can be accomplished by something other than food. This is a key to dieting successfully.

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Healthy Dieting Tips, Helpful Tips

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Cooking On the Grill

Summertime is rapidly approaching. This means it is time to begin preparing meals without heating the house whenever possible. If you haven’t considered the value of cooking on the grill in the past, perhaps now is a great time to adjust your way of thinking.

Cooking on the grill is a great way to keep the heat of cooking outside your home as well as to bring the family together for the entire cooking process. Moms read: this is a great way to get dad to help out with meal preparation. While this is said somewhat in jest, there is some truth to the fact that men are much more inclined to slave away over a hot grill than a hot stove. More importantly, most of the mess of cooking on the grill remains outside your kitchen. I don’t know about you, but that is a huge bonus for me, when it comes to cooking.

Cooking on the grill is also a great way to get the kids involved in the meal preparation and clean up process. We like to use disposable plates when grill cooking and keep the dining <I>al fresco</I>. If you are hoping for instant family unity over the picnic table you might want to think again but there isn’t anything quite like it when it comes to not worrying about spills or dropped food as you can rest fairly certain that the animals will take care of anything that gets left behind.

Even small children can help when cooking on the grill by bringing utensils to the grill, holding plates, and ‘setting’ the picnic table for your dining experience. If you intend to do a good deal of cooking on the grill you may want to invest in some portable and ‘kid friendly’ containers for things such as condiments, napkins, plastic ware, and tablecloth holders. Be sure to find containers that can handle a decent gust of wind without flying off too. These may be a little heavier for your little ones to hold but they won’t be nearly as difficult to chase when blowing across the lawn.

Cooking on the grill is a great way to enjoy nature after a long day of work. Be careful that you do not reserve this as a weekend event as you will find you miss out on some of the relaxing qualities it can bring to your midweek slump. One thing that can definitely be said about grill cooking is that the selections are almost as limitless as they are when cooking on the stove. You must use your imagination for maximum effect though very few meats and vegetables are truly off-limits when it comes to cooking on the grill.

In addition to cooking meats on the grill, it is important to keep in mind that you can also cook all kinds of fresh fruit and vegetables on the grill as well. You should also keep in mind the awesome side dishes that go great with grilled foods such as baked beans, potato salad, and nice cool deserts and pies.

Cooking on the grill is a great way to bring family and friends together. The next time you plan to have a get together why not make it a night of cooking on the grill? You can have the best of all worlds with no muss, no fuss clean up and great food with good friends. Cooking on the grill is certainly a great way to get the neighbors out and about. There’s nothing on earth that can quite compare to the aroma of meat, fruit, and vegetables grilling over hot charcoal. If you don’t remember and your mouth isn’t watering just reading about, it’s been far too long since your last barbecue experience.

The most important thing to remember about cooking on the grill is that it should be an experience rather than a chore. Most of us truly enjoy the thought of having a good dinner under the sun or stars (whichever applies in your case). If you haven’t tried this in a while, it’s time to dust off the grill and refresh your memory and your taste buds.

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Backyard Activities, Cooking, For The Home

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Learning to Dance at Home

There are many ways in which a person can learn to dance if he or she is of the mind to do so. The problem is that many people shy away from learning to dance, despite a sincere desire to do just that out of fear of being seen in the learning process. This is such a sad reason to avoid bringing the joy of dance into your life and one that can be so easily avoided if you are willing to make the efforts that would be required.

First of all, you can learn to dance within the comfort of your very own home. You do not need a dance hall or studio with mirrors to learn to dance even though they are helpful to the process. In all truthfulness it is quite possible to learn to dance at home without even procuring a teacher.

There are many DVDs and instructional tapes and videos on the market that can teach the basics of many different styles of dance. If you aren’t sure what type of dance you are most interested in, it isn’t a terrible idea to begin by ordering some DVDs in order to find out what specific type of dance interests you most. The really neat thing about doing this is that you can being the learning process in your very own home with the curtains drawn and no one will ever need to be any wiser.

Of course if you are going to learn at home you might want to clue your spouse or partner in and see if he or she would like to join you on the path to discovering the joys of dance as a form of entertainment as well as a means of bringing an extra level of physical activity into your life. The really good news is that this sort of physical activity won’t feel like exercise and if you play your cards right with your partner it just might lead to other forms of physical activity. Keep in mind that many people find dance to be a very romantic precursor to other romantic pursuits.

Backing away from the romance department you can even find a great and occasionally merciless audience in your children. They also make great practice partners and guinea pigs and if you control the allowance, then you might even manage to squeeze out a compliment or two to help your potentially wounded ego through the event. Kids are great fun though when it comes to dancing and (younger kids anyway) are almost always willing to kick back and have a laugh at mom or dads expense. If you want to make a really fun afternoon of things, challenge your kids to a ‘dance off’ you just might be surprise at who is the last one standing.

Learning to dance at home can be a rewarding experience if you apply the things you learn. Not only do you get the benefit of a new hobby but also you manage to do so without the uncertainty and insecurity that is often a common part of lessons. Having an audience can be a frightening thing, however, once you’ve passed the child test you should be ready for the most ruthless audience any dance studio can give. You should also keep in mind that other students in the class (should you ever decide you are ready to take an actual class) are probably just as nervous about their level of skill as you may be.

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Dancing

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A Bit About Mold

There are a number of little things to look out for when purchasing a new home. Normally the things to consider includes such things as location, wiring, the condition of the house itself, and several other factors. One of these factors that the home buying public is becoming more concerned with is mold. There are many different types of mold that can occur in a home and lead not only to structural damage, but some health concerns as well. Mold is difficult to find in many homes as it grows exclusively in dark and moist areas that are usually hidden somewhere in the structural areas of the home such as attics and basements. By the time mold shows up in the actual living areas, chances are that it is all through the home.

One of the most likely places for mold to form is anywhere that moisture is improperly vented. Another area of concern is if a home has ever flooded and was not completely or properly cleaned and dried after. Leaky plumbing and basement crawlspaces are other likely candidates. Mold can be a difficult thing to completely get rid of as the only thing it needs to continue growth is an organic material such as wood, and moisture. Both of these items are usually abundant in any home. The most likely was that moisture finds its way into the home is through faulty or leaky roofs and foundations. Both of these areas should be checked over by an experienced mold inspector on a fairly regular basis if there is any worry of mold beginning to grow, or if these has been mold in the past. Mold can be an expensive problem to deal with so be pro-active about looking for it, it can save you money in the long run.

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Buyer Tips, For The Home, Helpful Tips, Real Estate News, Seller Tips, SW Real Estate News

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Understanding Mortgage

A mortgage is defined as a way in which property or jewelry is used as a security against the debt. The loan that is taken against mortgage is termed as ‘mortgage loan’. This loan is taken in many countries mainly for the purpose of purchasing home or for wedding in the family.

Mortgage can be taken from banks or money lenders in many countries. People involved in mortgage include-creditor, debtor and at times a legal representative. The term creditor can also be used synonymously with lender. Money lenders, insurers, banks or financial institutions are creditors who provide the money to the person in exchange of property or jewelry.      

A borrower is also known as debtor, obligor or mortgagor. A debtor gets the amount equal to the value of the mortgaged article. A mortgagor is required to abide by all the obligations or conditions of creditors. Or, else there are chances that as a way of recovering debt, the property may be taken away by the creditors. There are various properties as a result of foreclosure. These properties are available for reasonable costs for the other buyers.  

It is always that the legalities of mortgage are done under the supervision of a lawyer. All the conditions and the amount of money involved should be stated in written and signed by the creditors, debtors and lawyer present. It adds authenticity and removes any confusion if any.

Currently many Certified Financial Planners work in combination with Certified Mortgage Planners so as to provide mortgage loans to financially sound people.

In addition to creditors, debtors, legal representatives and government agencies, there is involvement of pension funds and life insurers. Terms involved in the legal process of mortgage loan are Disbursements, Mortgage Deed, Conveyance, Land Registration, Sealing Fee, Freehold, Leasehold, Seasoned mortgage and Legal Charge.

Freehold is defined as the land and property ownership. Disbursements include all the money involved as search fees, stamp duty and land registry. Legal Charge is a document that has all the minute details of the land or property owner. Conveyance is the document that transmits the possession of unregistered property. Sealing Fee is paid when the creditor discharges the charge over the land. Land Registration is also referred as title. This document contains the details of the ownership of land and property. Seasoned mortgage is linked with secondary market. In seasoned mortgage payment is made on regular basis. Mortgage Deed is a document that gives detail of possession of ownership.

Legal mortgage are of two kinds Mortgage by legal charge and Mortgage by demise. There are essentially two types of legal mortgage. A lender becomes the legal owner of the mortgaged land till the money is paid in full. A lender is free to auction or sell the mortgaged property. While under Mortgage by legal charge, a lender can not sell the mortgaged land. He may possess the land legally but the right of selling and buying of the land lies with the debtor. Also, to provide safety to the lender, the details of mortgage are recorded in a register.

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Buyer Tips, Mortgages, Re - Financing, Real Estate News, Real Estate Tips, SW Real Estate News

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What’s In Your FICO Score?

Obtaining copies of your credit reports from the three major credit reporting bureaus is a must for all American consumers. If you order your copies directly from each bureau, you can get yours for free [once per year per bureau]. That is the law. There is, however, one piece of information not included with your credit reports and that is your FICO score. Your FICO score can determine several things, including what interest rate mortgage lenders will charge you and the rate you will pay for your credit cards. For just a small fee you can order your FICO score and get a hold of a piece of information that is critical to you fully understanding and improving your credit rating.

FICO, or Fair Isaac Corporation, is a score that helps determine what interest rate creditors will charge you. The higher your score, the lower your interest rate will be resulting in lower mortgage payments and more money for you. Indeed, when you apply for a new cell phone account, purchase a car, or make just about any type of credit application, your FICO score is obtained by creditors. Unfortunately, you typically do not know what that score is unless you get the information yourself. Don’t count on creditors sharing that information with you!

Your FICO score is based on five determining factors. According to the Fair Isaac Corporation, these five factors are weighted differently and each one is assigned a percentage figure based on their importance. Specifically, they are:

1. Payment History – 35%

2. Outstanding Balances – 30%

3. Length of Credit History – 15%

4. New Credit – 10%

5. Types of Credit Used – 10%

Obviously, if you have made several late payments and owe a large amount of money to your creditors, your FICO score will be much lower than the person who pays what they owe on time, has a manageable level of debt, and possesses a solid credit history.

Coupled with your credit report, your FICO score can help you determine the plan of attack you need to take to improve your credit standing. This is very important step to take especially if you anticipate making any sort of credit application within the next year. If there are errors in your credit report than these will lower your FICO score. Make certain that the three credit reporting bureaus correct each error now and, once amended, run your FICO score again to determine if it has been adjusted upwards.

Remember, the higher your FICO score, the lower your monthly payments will be on virtually everything you finance through a creditor. Order your free credit report today and pay a little extra to obtain your FICO score.

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Buyer Tips, Helpful Tips, Interesting, Mortgages, Real Estate News, Real Estate Tips

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Visiting Popular Summer Vacation Destinations While on a Budget

If you are like most other individuals and families, your finances may be tight.  There are many families who are just scraping by and others are the on the border of debt.  If this situation sounds all too familiar, a summer vacation may be the last thing on your mind.  If you and your family are interested in taking a summer vacation, you can, no matter what your financial situation. 

When selecting a summer vacation destination on a budget, it is important that you do not limit yourself.  There are too many individuals who search for a vacation destination solely based on price.  Instead of first searching for low-cost vacations, you are encouraged to find the vacation destination of your dreams.  Once you closely examine the hotels, restaurants, amusement parks, or beaches that your selected destination has to offer, you can easily learn how and where to save money. 

If the beach sounds like the perfect summer vacation destination, you have a number of options.  Popular beaches, that are designed for those on a budget in the United States may include, but are not limited to, Virginia Beach, Pensacola Beach, Long Beach and Don’t forget all of the wonderful places in SW Florida ( Marco Island, Naples, Bonita Springs, Fort Myers, Estero, Sanibel Island and Captiva Island to name a few )   . You can plan a beach vacation in the Caribbean or overseas; however, the cost of travel will likely increase the cost of your vacation. 

Virginia Beach, Long Beach, Daytona Beach, Myrtle Beach, and Long Beach are all known as vacation “hotspots.”  Many individuals automatically assume that the most popular beach destinations are too expensive. While some facilities and activities may be high-priced, there are ways for you to vacation there on a budget.  Instead of staying at an ocean-side resort, you could save a large amount of money by booking an inland hotel. The same can be said for restaurants, bars, and event centers.  Almost everything is more expensive on the shoreline.

If you are more interested in spending your vacation golfing, you may want to examine the golf resorts in and around the Untied States.  Many popular golf courses are located in Myrtle Beach, Newport Beach, Scottsdale and many wonderful golf courses in SW Florida.  If you are on a budget, you can easily benefit from purchasing a resort package.  Many popular golf resorts, in the United States, Europe, and the Caribbean offer packages that offer accommodations that may include travel, hotel stays, golf course visits, and dining. 

Golf resorts are popular vacation destinations for many individuals, but many can be expensive.  If you are unable to obtain a discount vacation package, but you still want to your vacation to have a focus on golf, you have a number of options.  Many golf resorts allow vacationers to play on their courses, even if they are not staying at the resort.  It is also possible to golf at well-known golf courses that are not considered resorts.  As with a beach vacation, you may be able to save a large amount of money by staying at a hotel or dinning away from a golf resort.

Theme parks and amusement parks are popular vacation destinations, especially for those with children.  If you and your family are interested in vacationing at a United States theme park, you have a number of options.  Theme park resorts are similar to, the above mentioned, golf resorts.  A large number of well-known theme park resorts, including Orlando Studios, Disneyland, and Disney World can be selected, even if you are on a budget. Many of these resorts offer vacation packages that include hotel stays, theme park use, on site dinning, and much more. 

Theme park resort packages are a great way to save money, but you could save even more by not paying for services that you will not use.  If you do not have to fly to reach your destination you should not have to have travel accommodations included in your package. You may also be able to find cheaper hotel accommodations that are located a short distance away from the theme park of your choice.  In addition to theme park resorts, you can find days of fun at smaller parks, such as Six Flags, Sea World, and Bush Gardens.

You may recognize many of the above mentioned summer vacation destinations.  Popular vacation destinations do not have to be financially out of your reach.  Simply by cutting a few corners, you could be vacationing alongside the rest of America, even while on a budget. 

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Enjoy Other Places, SW Florida Areas

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Family Beach Vacation Ideas

All across the world, there are several locations you can choose for your family beach vacation.  Below, you will find many different locations, and what they will offer you and your family.

Maui Throughout the West Coast of Maui, you’ll have many choices for your beach vacation.  If you plan to enjoy golf, the Kapalua Resort is a great choice, as guests will receive 30% lower golf rates than those who don’t stay at the resort.  The resort also includes the Kapalua Bay Hotel, Kapalua Villas, and the Ritz-Carlton Kapalua.

One bay over from the Kapalua Bay is the Napili Kai Beach Resort, which is a low rise family resort that offers comfortable beach front condos.  The Napili Kai also offers complimentary programs for children ages 6 – 12 from mid June to the end of August, during Easter and Christmas.  The condos are seconds away from the beach, and they include kitchens as well as laundry facilities.

If you prefer a more secluded area, the Maui Prince hotel is located in a quiet setting surrounded by two scenic golf courses and a large sandy beach that kids never seem to get enough of.

Mololai family adventures The island of Molokai is filled with empty beaches, no traffic lights, and few tourists.  Many tourists visit only for a day or so, with some going to the island because they assumed they were going to Molokini (which is a snorkeling site near Maui).

The island of Mololai is accessible by ferry from Maui or by plane from Honolulu.  The island is ideal for those who like the outdoors with a twist of adventure.  When you visit here, you shouldn’t expect shopping or nightlife.

Florida The Breakers Hotel in sunny Palm Beach Florida has a spa, golf course, and a 1/2 mile sandy beach.  There is also a separate pool for the kids, a family entertainment center, and a kid’s program.  Families can reserve up to five adjoining rooms while children under the age of 16 can stay for free in the same room as their parents.

If you decide to take your beach vacation in Orlando, the Loews Hard Rock Hotel offers you plenty of beach and amusement rides, with a 240 foot slide and a white sandy beach.

Florida also has SW Florida beaches with many wonderful places right on the beaches from Marco Island all the way up to Captiva Island. Whether you want to just relax in the SW Florida sun or enjoy the backwater fishing or Fishing in the Gulf Of Mexico, Or enjoy recreational boating to Shelling. Whatever your Vacation desires you will find it here in the SW Florida area of Naples, Fort Myers, Bonita Springs, Estero, Sanibel Island or Port Charlotte. If nature is your thing to do we have sightseeing tours from the Gulf of Mexico or go inland to ride a air boat or swamp buggy. Enjoy dining while watching the sunset by boat or restaurant, Enjoy deep-sea fishing for some Grouper, Marlin, or Red fish , Along the shoreline for trout, Snook or even a Catfish for a good fight, Try backwater fishing for Snapper, Sheepshead, Trout or whatever might be running with the tide Also don’t forget the freshwater fishing for those Large Mouth Bass. If golfing is for you then we have many of the state’s top courses in the local SW Florida area, We even have several putt putt courses for the beginners. Most of all whether you want to bring the whole entire family to enjoy the SW Florida area or just want to escape with that special someone then SW Florida is the place to relax, unwind and enjoy yourselves to the fullest, after all we are the sunshine state.         

California With several family beach vacation resorts in California, the Hotel Del Coronado is among the most famous.  The hotel offers many different facilities for families, including lessons in kayaking, surfing, tennis, and biking.

Georgia The barrier islands in Georgia offer ambiance, sandy beaches, and a laid back prospective to life as you know it.  Jekyll Island offers you miles of paved bike path with three 18 hole golf courses, which is perfect for golf enthusiasts.

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Enjoy Other Places, SW Florida Areas

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Rent to Own

Some potential homeowners who are not able to purchase a home right away consider rent to own options instead. A rent to own option, often referred to as a lease, is essentially a rental contract for the rental of a property which includes the stipulation that the renter will be given the option of purchasing the property at the conclusion of the lease. This type of rental agreement may not be worthwhile for all renters but there are some who will find this type of agreement to suit their needs quite well. In particular renters with bad credit who might be unable to buy a home otherwise and renters who aren’t quite sure they really want to buy a home. It can also be a worthwhile agreement for homeowners who are planning to sell their home buy may not want to sell it immediately.

When Your Credit is Bad

Potential homeowners with bad credit may find a rent to own situation may be just what they are looking for to help them purchase their dream home. There are a variety of financing options currently available and it is likely even homeowners with poor credit can find a financing option but it is not likely this option will be favorable. Homeowners with poor credit are often shackled with unfavorable loan terms such as higher interest rates, requirements to pay points and adjustable rate mortgages instead of fixed rate mortgages. In these situations, it might be worthwhile for the renter to repair his credit before attempting to purchase a home.

One of the best ways to repair credit is to maintain good credit in the present and into the future. Most blemishes on credit reports are erased after a certain period of time. Renters who have poor credit can work on repaying their current debts in a timely fashion and with time their credit score will improve. During this time participating in a rent to own program allows the renter additional time to repair his credit and may also allow the renter to accumulate financial resources which will enable him to purchase the home when the lease period is over.

When You Just Aren’t Ready to Buy a Home

Some renters opt for a rent to own program when they aren’t quite sure they really want to own a home. In these types of agreements, renters are given the option of purchasing the home at the end of the agreement period but they are not obligated to purchase this home. This allows the renter to see what it is like to own a home without having to commit to homeownership.

Renters who are renting a home may learn a great deal about homeownership during the rental period. This may include information about maintaining the landscaping of the property and dealing with conflicts with neighbors. It may also entail caring for and maintaining a significantly larger domicile than most apartment renters have to maintain. Some renters are not quite sure they are ready to handle all of these issues and may use a rent to own agreement as a trial period to determine whether or not homeownership suits them.

When the Homeowner Just Isn’t Ready to Sell

Some homeowners offer a rent to own option when they plan to sell their home but do not want to do so immediately. Some homeowners may be hoping for property values to rise before they sell their home so they can either regain the amount they have invested in the house or profit from the purchase price of the home. These homeowners might choose to rent out their home during this time and offer the renter the option of purchasing the house after a set time period. This enables the seller to earn an income from rent while they are no longer living in the home. The rent they charge to the renter is often enough to cover the mortgage and yield a profit making it a financially wise decision for the seller.

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Buyer Tips, Real Estate News, Rental News, SW Real Estate News

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3 Tips to Staging the Outside of Your Home Like a Pro

Are you considering putting your house up for sale, but not sure where to start? Afraid it will take too long to sell, or that you won’t get the price you want? Think about “staging” your home, or in other words, setting the scene for immediate buyer interest in your property.

To be really effective, you need to look at both the outside and the inside of your home. Here are 3 tips to get you started with the outside of your home:

1. Go stand on the street to see what clients see when driving up to the house. Be aware that any negative impressions they get outside the house (landscaping not maintained or non-existent, peeling paint, etc.) is just going to make them think that the house itself has not been well taken care of. So even if you have spent the time and money to fix up the interior, it would all be wasted if the clients get a bad first impression as they drive up to the house.

2. Next, step outside your front door and close the door; then stand on the stoop and look around for 5 minutes. While the realtor fumbles for keys and tries to figure out how to open the door, the clients are standing behind and looking around. So what are they seeing? Dead plants, old Halloween decorations in the middle of January, cobwebs?  Again, not a good first impression!

It’s definitely worth it to take some time and clean it up. Want to go a step further? Try a new coat of paint or some new furniture or accessories.

3. Don’t forget the backyard. While that might not be part of the potential buyers’ first impression experience, you still should make sure it’s in the best condition possible. Pull up weeds, water plants, do some sweeping (if that’s applicable in your case) and maybe even purchase new furniture or accessories (plant pots, bird houses, etc.)

And the biggest tip of all? Imagine yourself as a potential buyer looking at your property for the very first time. What impressions are you getting? Would YOU buy your house? What would you like to see changed before you put an offer on your house?

And don’t worry about spending several thousand dollars to get your house ready to sell   you’ll get it all back when your house sells. Proper staging helps you sell your house in a shorter time and at the price you want.

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Real Estate News, Real Estate Tips, Seller Tips, SW Real Estate News

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