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How to Reach your Lehigh Valley Realtor Gladys Wehbe
Gladys M. Wehbe
The Paragon Real Estate Group, LTD | 7540 Windsor Drive Suite 75 |
Allentown, Pa 18195 | 610- 972 3545 (Cell number) | 610- 366 8881 ext. 21 (Office)
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How to win the battle against lawn disease. This Article is written by: JOE PROVEY AND KRIS ROBINSON, from Popular Mechanics“Good Care Practices
To keep your lawn from becoming a host, choose the right grass for a given location and keep it healthy. Given the wide range of cultivars (cultivated varieties) available today, you have a good chance of avoiding certain diseases right from the start.
Well-aerated lawns with good drainage and air circulation will experience fewer moisture problems that invite disease. Avoid frequent, light waterings that encourage shallow root growth and drought stress. Watering late in the day leaves a wet grass canopy that’s conducive to fungal growth, and excessive use of high-nitrogen fertilizer promotes lush top growth that’s more prone to disease. Using a dull mower blade shreds grass tips, providing an entry point for infection.
The best time to assess your turf’s state of health is before mowing. Take notice of any areas that appear wilted or off-color, but keep in mind that these problems can be caused by things other than disease. A general browning out of cool-season grass during summer is most likely a result of its own protective response to drought and heat. Dull, wilted, bluish-gray turf may simply be a sign that it’s time for watering, and general yellowing and stunted growth may be due to a lack of iron or nitrogen.
Regular observation of your lawn is important if you want to catch early disease symptoms before they disappear. Look for spots or banding, color changes, or signs of decay on grass blades. Give the grass a tug to check for rot. Finally, come out early in the morning while the lawn is damp with dew to look for signs of fungal mycelium - fine, cobweb-like threads that will disappear with the day’s heat and sun. If you’re stumped by symptoms, take a sample to a reputable nursery, or consult your nearest Cooperative Extension Service agent or state university plant-pathology department.
When disease does get a foothold in your lawn you need to take immediate steps to contain it. Bag your lawn clippings and don’t put them in your compost pile. Avoid walking through infected turf, especially when it’s wet.
In addition to controlling disease through cultivar choices and environmental strategies, research has shown that microorganisms in organic composts can help in certain cases. Recommended sources for such top-dressings are composted manure, sludge (such as Milorganite) or agricultural waste. These materials are often available at garden centers.
If your disease symptoms continue unabated, you may benefit from applying a fungicide. However, while fungicides clear up certain problems, they may set up your turf for the development of new ones. This is caused by the fungicide killing off disease-suppressing microorganisms as well as the targeted organisms.”
Gladys has been involved with The Lehigh Valley as a Resident, Business Owner, an Active member of the Business Community, Civic and Social Organizations for 37 years. She cares for and knows The Lehigh Valley that she calls Home extremely well. Lived in Palmer Twp, Easton, Allentown, Macungie, now in Schuylkill County.
In Addition to the Lehigh and Northampton Counties, Gladys has done Business in the Poconos, Berks County, Schuylkill County etc.
The following are some of her traits, that her current & past clients believe about her.
1) Trustworthy Negotiator: Negotiating, is one of her Fundamental Business skills
& as is problem- solving. She reaches the objectives 99 times out of a 100.
2) Reliable: She Will call you as soon as you need her, and she’ll do the work Diligently.
Her cell Number is Published , and with her,24/7.
3) Vigilant: Watchful, Alert to When, Where & what is her client’s Best Interest.
4)Honest : She Say it as it is….Transparent…Genuine to the core, through and through.
5) Caring : The client’s interest is always her # 1.
She works for you as for herself and as she says as for “her Mother”.
6) Responsible: She Does what she promises and always more.
7) Professional: Right to the point, Respectful of her client’s Interest and Needs.
8)Successful: Years of Proven professional & successful record! No tripping and falling with your case.
9) Environmentally conscious: She Respects Nature and the environment, & everyone’s co-exsistence.
10) Patient: One of her Best Virtues. She’ll look at as many homes as you need to, so you can
finally find that place you like to call Home.
Should you be from Generation X,Y, baby boomers, she understands your needs.
She will Negotiate on your behalf, diligently, with Integrity, Caring and Sensibility.
Call Gladys for your Real Estate’s Needs, you will never regret it. She Cares about you. She’ll give you 100% Energy everytime. She’s The one who has Character, Integrity, Honesty and Dedication.
A Professional Business person, a well rounded Multi-Cultural who understands where You are coming from….
Contact Her and you will be convinced that She is the Realtor for you.
This is the time to take advantage of the low home prices and the abundance of available ones, as well as the low interest rates, and make your move to improve your current living situation.
“Every Client of mine is a Million Dollar Client.” GMW
According to the National Association of Home Builders.
“As a long term investment, homeownership is still one of the best investments for individual households.
“Why” you may ask? After all, the headlines say the housing market is down and out, with defaults rising at an alarming rate, and mortgage markets so frozen that buyers can’t get a home loan at any price.
What buyers need to realize is that housing markets, like all markets, inevitably have their ups and downs. And homeownership has a track record that is virtually unmatched by any other purchase in terms of its real benefits.
Despite the turmoil in mortgage lending, if you have good credit, a job and steady income, you will find there is still plenty of mortgage credit to be had at good rates. For well-qualified buyers, rates are running at near historical lows.
Homeownership’s Real Value
Here are a few examples of why, dollar for dollar, homeownership is a solid stepping stone to a future of financial security and the single largest creator of wealth for many Americans.
Over the long-term real estate has consistently appreciated, even through periodic adjustments in local markets in response to economic conditions. On a national
level, home appreciation has historically increased 5-6 percent annually, report economists at the National Association of Home Builders.
Five percent may not seem much at first, but here’s an example that will put it into perspective: Say you put 10 percent down on a $200,000 house, for an investment of $20,000. At a 5 percent annual appreciation rate, that $200,000 home would increase in value $10,000 during the first year. Earning $10,000 on an investment of $20,000 is an extraordinary 50 percent annual return.
In contrast, putting that $20,000 down payment into the stock market and getting a 5 percent gain would only yield a $1,000 profit.
Compared to Stocks
Looking at it another way, over a longer period of time, if someone put $10,000 into the stock market in 1996, the average annual S&P return would make that investment worth $21,500 today—an increase of $11,500. The median home price in 1996 was $140,000.
Today, that same home would have gained nearly $100,000 in value.
Don’t miss out on the benefits of homeownership.”
Buy or rent?
So, should you join the house party or be content to rent?
Two big factors in the equation: How long you plan to stay put and how much you expect your home to appreciate.
You typically need to stay in a home at least three years to recoup your costs. But consumer advocate Clark Howard says five years is even better, because you never know how the real estate market will fare. To protect yourself, assume your home will appreciate at the rate of inflation or a little more, says Howard.
And you may need to stay longer to come out ahead compared to renting. On the condos I priced in the San Francisco area, I would have had to keep one for at least 13 years in order to save money versus renting for the same period of time (assuming a rate of appreciation in line with inflation). Of course many people buy with the hope that prices will appreciate fast enough to pay off sooner, but that’s a gamble, especially with many economists — including Alan Greenspan — warning that growth can’t continue at its current pace forever.
Even if you plan to stick around long enough for the purchase to pay off, that doesn’t mean squat if you can’t afford to pay the bills. Your monthly house payment — including principal, interest, taxes and insurance — should consume no more than 33% of your monthly gross income. Your total debt payments, including your credit cards and student loans, should remain below 38% of your total pay.
Also, do you have enough cash for a down payment? Typically, you need 20% of the purchase price to avoid paying extra for private mortgage insurance. That’s $40,000 for a $200,000 home. And don’t forget closing costs, which can add up to 3% to 6% of the purchase price.
Bottom line: Buy a house because it’s the right move for your situation and finances. Don’t let the fear of missing out on big gains drive you to a decision you may regret later.
If you find that buying is the better bargain and makes more sense for you.
Any questions? Please call this Realtor, Gladys Wehbe at 610-972 3545
Whether you are trying to get a business or real estate loan, looking to buy equipment for your business, or trying to lease a computer or auto, your credit score or “FICO” is very important. Having a high score will allow you to get loans of all kinds much faster. It will help you to get a lower rate of interest on the loans you want and it will allow you to receive faster service from the lenders you contact. It’s important to keep your credit score high and there are steps you can take to insure that your credit score is as high as possible.
If you are a business owner, you may be using credit card lines of credit to finance your business or real estate deals. If you are doing this or plan to it’s even more important that you pay attention to your credit score.
One way you can keep your credit score high is to pay off all credit card debt on time or, if possible, ahead of time. By never being late with your monthly payment you can raise your credit score by 15 to 20 points. Also make sure all loan payments for personal, mortgage, car, home equity loans are made on time and for the full amount due. Just by being late on one or more loans can cost you as much as 100 points from your credit score.
If you use credit cards, make sure that you don’t have more than four open accounts. Having more than four credit card accounts can reduce your credit score by 10 or more points. The reason for this is that credit card issuers are afraid that people with a large number of cards are more likely to run up more debt than they are able to pay back.
If you are seeking a loan, make sure you do not allow a credit report to be run on you until a competent Loan Officer at the lender assures you that chances are good that you will be approved for the loan and you are certain that you will be going ahead with the loan application from that lender. Having multiple credit reports run on your account can cause your credit score to go down.
If you are planning several large purchases, like a home, car and furniture, stagger your purchases. Getting a larger number of loans in a short time period can negatively affect your credit score by 10 points or more.
Also, look into making deals with private lenders. Such deals may not be recorded in public records and therefore won’t affect you credit score.
So what’s a good credit score? You should aim for a credit score of 750. Once there you should do what you can to keep it there. Remember, it’s always important to pay your creditors on time every month. Don’t borrow more than you need to and make sure you pay your creditors back according to the agreement you have with them.
To sum up, your credit score is important and you need to take action to make sure that you will be able to borrow money when you need it. If you currently have a low credit score don’t be discouraged. Take action. Start doing the things that will cause your credit score to improve. Be consistent and before you know it you will have better credit.
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Article Source: http://EzineArticles.com/?expert=Michael_Russell |
Thank you Michael Russell
Step1
Set up a special interest-bearing savings account to buy a home. Money only goes in; no withdrawals are allowed.
Step2
Take a fixed amount - 5, 10 or 20 percent, depending on what you can consistently afford - from your paycheck and put it directly into your savings account. Ask your employer to have that amount automatically deducted from your paycheck every pay period so you aren’t tempted.
Step3
Pretend any windfalls that come along never happened. If you get a lump sum of money from a tax return or a gift, put it directly into your special account.
Step4
Go shopping for food, clothes or other items only when you absolutely need something. When you do shop, write a list and stick to it. Avoiding impulse purchases can save hundreds of dollars over several months.
Step5
Cut down on outside entertainment and eating out. Instead, stay home, rent a video and invite some friends over for a potluck.
Step6
Let your friends and family know you are saving to buy a home. Most will be very understanding about the fact that gifts and extras from you will be put on hold while you’re saving. Don’t forget to stash away the money you would have spent.
Step7
Remember that every penny counts. Drop all spare change into a bottle, and every month, put that cash into your account.
Step8
Get rid of stuff you don’t need with a garage sale
. Get a few families in your area to join in to increase the draw to your sale. The benefits are twofold: You get cash for your unneeded stuff, and there will be less to move when you’re ready to buy your home.
Our many thanks to eHow Personal Finance Editor for this most valuable information.
Any questions please feel free to contact Gladys Wehbe, Realtor at 610-972 3545
“With rising energy costs, homeowners are beginning to examine the energy efficiency of their own homes, asking questions about where energy comes from and how much it costs, how to choose new appliances and what options exist for renewable energy.
The Home Energy Diet answers all these questions and more while helping readers take control of their personal energy use and costs so they can save money, live more comfortably and help the environment. Energy auditor Paul Scheckel first explores energy literacy, and then describes how your home uses-and loses-energy you pay for via:
Electricity
Hot water
Heating and air conditioning
Windows, walls and insulation
The Home Energy Diet involves readers in learning about their own homes by: measuring, metering, investigating and considering habits related to household energy use; learning how to quantify energy consumption and cost and making informed decisions about cost-effective improvements and upgrades. The book explores the misunderstood concept of efficiency versus cost by comparing fuel costs and equipment choices, including the possibility of using renewable energy for meeting home energy needs. This authoritative guide makes efficiency fun through personal anecdotes and humorous “tales-from-the-basement” energy misadventures.
Since energy efficiency is an investment that offers returns greater than Wall Street, readers can earn several hundred dollars every year just by following the advice in this book. As a bonus, many of the energy-saving strategies described can make for improved indoor air quality and healthier, more comfortable homes.”
Note: Thank you Paul Scheckel an energy auditor who has visited thousands of homes, educating people about energy efficiency, cost-effective improvements and indoor air quality. With a passion for efficiency and renewables, he walks the talk by living in a solar-powered house and driving a car powered by vegetable oil in his home state of Vermont.
Molds can gradually destroy things they grow on. You can prevent damage , save money & avoid potential health problems by controlling moisture and eliminating mold growth.
1) What kind of mold is in my house?
Mold cannot be identified by sight. There are thousands of species of mold. The inspectors’ job is to collect appropriate samples and have the lab analyze them.
2) How did the mold get into my house?
Mold is everywhere. It’s not uncommon to find it in a home. It enters through open doors & windows. Invisible spores can also be brought into the building through such items as cardboard boxes.
3) Where does mold grow?
Mold grows where water intrusion may have occured.Many building materials can encourage mold growth, once they have become wet.Molds also grow behind walls,cabinets,above ceilings & beneath floor coverings.
4) How can I tell if there’s mold in my home?
Some mold problems are obvious, you will see it. Others be be identified by “red flags”,such as a musty smell or visible water stains or your complaints of common allergic reactions.
5) Can I stop mold from groing in my home?
The inspector will look for visible signs of water damage or moisture intrusion and condensation problems. Have these sources of water intrusion corrected and this will lessen the chances of mold growth. Mold activity can occur as soon as 24 hours after a water event.
6) How do you test for mold?
The inspector will determine the correct sampling techniques needed to gather samples and which laboratory will be used to do the analysis of your samples. The inspector will than, provide you with a full report from the laboratory and his findings.
Thank you Spy Inspection for providing this valuable information.
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What is a Home Inspection?
A home inspection is an unbiased evaluation of a home’s condition by a trained professional. The inspector will conduct a visual inspection of the accessible portions of a house, both inside and outside. The resulting inspection report is an objective assessment of the condition of the house and its operational systems. 
From a Reliable Financial Source:
In 2008, about 1 million new homes will be sold - the fifth best year in
history. (National Association of Realtors)
About 5 million resale homes will be sold in 2008 - one of the five best
years in history. (National Association of Realtors)
The unemployment rate is under 6% and employment levels drive a home
purchase more than any other factor. (Bureau of Labor Statistics)
Fixed rate mortgage rates remain in the mid to high 6% range, making
home ownership very affordable. (Freddie Mac)
75% of potential homeowners have credit scores over 650!!!
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