Take care of your heating system

 

I am never to busy for your referrals

*The listings in the chart above are subject to errors, omissions, and changes without prior notice. Information was downloaded from NNEREN. RE/MAX Upper Valley may or may not be the listing agent for these properties. Additional properties not on MLS may be available and not referenced

*Your information is not confidential until you have entered into an agreement for representation

Click here to view NH Brokerage Relationship Disclosure Form

Click here to view VT Mandatory Consumer Disclsoure

Thank you for your time;

Deb Roberts CHMS

RE/MAX Upper Valley Partners

Upper Valley Realtor of the Year 2010

| mobile: 603-381-3977 | www.DebHome4U.com | 603-298-8900

Licensed in New Hampshire and Vermont

 

116 things you should dispose of in your home, via @POPSUGARSmart

Happy Holidays to all

Thinking of a New Year's Resolution, here it is.

I have to many cloths, I keep saying they will come back in style and they were so expensive, to nice to throw away.

My daughter told me go to your closet and turn all the hanger hooks backward.  That is all you do for now.  Whenever you wear something you hang it normally on the rod.   Then decide how long your will wait usually 6 months or a year depending on your closet.  You go back into the closet look at all the hangers that have not turned and you take all those cloths to your favorite resale store or donate them to my favorite resale store, Listen in Lebanon NH.  All proceed go right back into the community to help families in need.

Another thing to do see below.

One a Day: Throw These 116 Things Away

http://www.popsugar.com/smart-living/List-Things-Dispose-24575006?utm_campaign=share&utm_medium=d&utm_source=savvysugar

 

I am never to busy for your referrals

*The listings in the chart above are subject to errors, omissions, and changes without prior notice. Information was downloaded from NNEREN. RE/MAX Upper Valley may or may not be the listing agent for these properties. Additional properties not on MLS may be available and not referenced

*Your information is not confidential until you have entered into an agreement for representation

Click here to view NH Brokerage Relationship Disclosure Form

Click here to view VT Mandatory Consumer Disclsoure

Thank you for your time;

Deb Roberts CHMS

RE/MAX Upper Valley Partners

Upper Valley Realtor of the Year 2010

| mobile: 603-381-3977 | www.DebHome4U.com | 603-298-8900

Licensed in New Hampshire and Vermont

 

 

First interest rate hike in several years What does it mean?

Fed Hikes Rates There was a great deal of volatility in financial markets ahead of Wednesday’s highly anticipated Fed announcement. The net result for mortgage rates was that they ended the week a little higher. After holding the federal funds rate near zero for seven years, the Fed announced a rate hike of 25 basis points, as widely expected. Investors are now asking what the pace of future rate hikes will be. According to the Fed statement, Fed officials expect that economic conditions will warrant only "gradual" increases in rates. The statement also noted that the Fed does not expect to reduce its holdings of MBS and Treasuries any time soon. Fed officials said that there has been "considerable improvement" in the labor market and that they were "reasonably confident" that inflation would rise to their target level. Investors were pleased that the Fed does not appear to be in any rush to take the next steps to tighten monetary policy, and mortgage rates declined a little after the release of the statement. One reason behind the Fed's decision to hike rates has been an increase in core inflation levels. One widely followed indicator released on Tuesday, the consumer price index (CPI), showed that core inflation in November was 2.0% higher than a year ago. Core inflation excludes the volatile food and energy components. This was the highest reading since May 2014. In January, core CPI was just 1.6%. Looking ahead, the Philly Fed regional manufacturing index will be released on Thursday. Existing home sales and revisions to third quarter GDP will come out on December 22. A wide range of reports will be released on December 23 ahead of the Christmas holiday. Mortgage markets are often more volatile than usual during the last couple of weeks of December due to light trading volume. Commentary provided by MBSQuoteline. For live MBS pricing visit www.mbsquoteline.com.

 

 

I am never to busy for your referrals

*The listings in the chart above are subject to errors, omissions, and changes without prior notice. Information was downloaded from NNEREN. RE/MAX Upper Valley may or may not be the listing agent for these properties. Additional properties not on MLS may be available and not referenced

*Your information is not confidential until you have entered into an agreement for representation

Click here to view NH Brokerage Relationship Disclosure Form

Click here to view VT Mandatory Consumer Disclsoure

Thank you for your time;

Deb Roberts CHMS

RE/MAX Upper Valley Partners

Upper Valley Realtor of the Year 2010

| mobile: 603-381-3977 | www.DebHome4U.com | 603-298-8900

Licensed in New Hampshire and Vermont

 

Before you list your home?

What to do before you list your home in the spring: Eight things that could make you money at closing:



The Entryway is so important –  The first 5 seconds a buyer is at your house can make or break a sale.  A Front door that needs updating or maybe even just paint, or overgrown shrubbery around the front entry, not updating makes people wonder what else other issues the property might have if these little things were let go.

Paint colors – Understand everyone has their own taste with color.  When painting think about your exterior paint color, maybe look around the neighborhood try not to go to far out of contract, allow the trim color to show off the main color of the house instead of drawing the eye to the trim. 

 

Think about your Landscaping looking 5 to 10 years down the road. – When planting trees remember how big the will become over the years, at home inspection I see where trees are overhanging the house, causing problems for the roof.  I see shrubs that had been planted many years before that now are rubbing up against the siding, causing paint to be scraped away or even worse rot to the siding and more.  The roots can cause major issues especially if you have a septic system, the roots run right for that water that is in the field causing $1,000's of dollars in septic issues.  Roots also can cause heaves or breaks in the pavement . 

 

Older appliances – The age and quality of the kitchen appliances is important. A stovetop and refrigerator that are older in color or scratched can send a buyer right out the door. Older appliances aren’t energy-savers and will increase your electric bill.  Spending money on new appliances in the kitchen can be a full return on your investment.

Clean and Fix the little things – Have the windows washed let the sun shine in, take down heavy draps, fix any torn screens or broken light fixtures, put brighter light bulbs in, you want the buyer to see everything neat and tidy.

Cleaning deeply right before listing – Details matter when it comes to home care. Look out for dirt in the window tracks, dirty grout in the tile or badly stained carpets.  While on the market your house should look as clean and neat as possible.

Small rooms – If you have small rooms think about removing extra furniture from that room, think about a storage unit or pack neatly in the garage.  Small bathroom will seem smaller when tiled with small tiles, try using larger tile.  Watch you dark colored paints in small rooms.

Older wood floors –  Cleaning and traffic dulls your wood over time them over time. If you can’t afford to refinish them, have them buffed every few years.

 

If you are thinking of listing your home, please feel free to call me I will give you a free Market Opinion of Value.

 

I am never to busy for your referrals

*The listings in the chart above are subject to errors, omissions, and changes without prior notice. Information was downloaded from NNEREN. RE/MAX Upper Valley may or may not be the listing agent for these properties. Additional properties not on MLS may be available and not referenced

*Your information is not confidential until you have entered into an agreement for representation

Click here to view NH Brokerage Relationship Disclosure Form

Click here to view VT Mandatory Consumer Disclosure

Thank you for your time;

Deb Roberts CHMS

RE/MAX Upper Valley Partners

Upper Valley Realtor of the Year 2010

| mobile: 603-381-3977 | www.DebHome4U.com | 603-298-8900

Licensed in New Hampshire and Vermont

 

What is Happening in Lebanon for Christmas

Looking for some Holiday fun it starts this week-end in Downtown Lebanon and bring an un-wrapped toy for Toys for tots

 

Learn more at http://www.recreation.lebnh.net.

Come enjoy collaboration with AVA Gallery, Lebanon Ballet School, City Center Ballet, Lebanon Opera House, and Lebanon Recreation & Parks. Come spend time in downtown Lebanon and celebrate Winter and the holiday season on Saturday, December 5, 2015!

Lebanon Recreation Celebration:  2:00-5:00 p.m., Lebanon City Hall.
This free annual celebration of the holiday season includes crafts, refreshments, musical entertainment, and photos with jolly Old St. Nick himself!

The Marine Corps League Toys for Tots program will also be accepting donations of new, unwrapped toys given to children in the Upper Valley area from ages infant to 18 years old.

Come enjoy musical performances and visit with Santa:
2:15 - 4:15 Horse Drawn Carriage Rides with Fitch Family Farm

2:15 - 4:45 Visit with Santa in City Hall (Last photos will be at 4:45 and Santa will join us all outside for the Tree Lighting Ceremony at 5:15pm)

2:15 - 3:00 Musical performance by the Upper Valley Community Band Brass Ensemble in City Hall

3:15 - 3:45 Musical performance by the Upper Valley Music Center Suzuki Program in City Hall

5:00 - 5:15 Musical performance by The Superlatives from Lebanon High School on Colburn Park for the Tree Lighting Ceremony at 5:15pm

5:15pm Tree Lighting on Colburn Park

AVA Gallery Open House: 11:00-4:00 p.m., AVA
Please join us for AVA's Annual Open House! Visitors are invited to watch artist demonstrations, learn about AVA's "green" building, meet with AVA faculty members and enjoy unique glimpses into working artists' studios. Visit online: http://www.avagallery.org/

Clara's Tea: 11:30 a.m. & 2:30 p.m., Lebanon Ballet School

Also on Sunday, Dec. 6th Tea 12:30 p.m. at Lebanon Ballet School (purchase tickets at http://www.citycenterballet.org/)

Clara's Dream:1:00 & 4:00 p.m.,Lebanon Opera House

Also on Sunday, Dec. 6th Show at 2:00 p.m. at Lebanon Opera House (purchase tickets at http://www.lebanonoperahouse.org/)

NorthPole Calling - Turn in forms by Dec. 7 to Lebanon Recreation
Ho, Ho, Ho!!  Children in grades K-4 can have a special call from Santa himself this season!  Complete a registration form at Lebanon Recreation & Parks, or complete a form at online http://lebnh.formstack.com/forms/northpolecalling2015 or e-mail to recreation@lebcity.com<mailto:recreation@lebcity.com> for a printable form.  Please have all forms in by December 7 for a phone call on Wed., December 9.

Holiday Coloring Contest - Turn in by Dec. 7 to Lebanon Recreation
Children ages 4-9 can participate and entries will be judged in 3 categories.  All entries must be received by Lebanon Recreation & Parks no later than Monday, December 7.  Photo to be colored is available here https://drive.google.com/file/d/0B-nvq9MnWcCyYzYwN2gyLXVSRXM/view?usp=sharing

I am never to busy for your referrals

*The listings in the chart above are subject to errors, omissions, and changes without prior notice. Information was downloaded from NNEREN. RE/MAX Upper Valley may or may not be the listing agent for these properties. Additional properties not on MLS may be available and not referenced

*Your information is not confidential until you have entered into an agreement for representation

Click here to view NH Brokerage Relationship Disclosure Form

Click here to view VT Mandatory Consumer Disclosure

Thank you for your time;

Deb Roberts CHMS

RE/MAX Upper Valley Partners

Upper Valley Realtor of the Year 2010

| mobile: 603-381-3977 | www.DebHome4U.com | 603-298-8900

Licensed in New Hampshire and Vermont

 

Interest Rate are they on the rise?

National News keeps hinting that interest rate will be on the rise soon. 

Locally check out the rates that are available at Mascoma Bank, one of the lenders I suggest to Buyers.  Ryan Trembly is always ready to help my customers and clients.  If you are thinking of Buying or refinancing it is worth talking with Mascoma Bank.

Subject: Checkout The Great Rates at Mascoma Savings Bank

December 1, 2015 Mascoma Savings Bank  Mortgage Rate Update www.Mascomabank.com   Term Rate   APR Payment per $1,000 Points     Fixed Rates     30 Year Fixed 3.875% 3.910% $4.70 0.00 15 Year Fixed 3.125% 3.184% $6.97 0.00       30 Year Fixed Jumbo Loans Over $417,000 3.990% 3.998% $4.77 0.00       Adjustable Rates     *7/1 Year Adjustable Rate Maximum Term 30 Years Margin 2.875 Caps 5/2/5 - Floor 4.000 3.625% 3.860% $4.56 0.00     5/1 Year Adjustable Rate Maximum Term 30 Years Margin 2.875 Caps 2/6 - Floor 4.000 3.125% 3.729% $4.28 0.00       Visit www.MascomaBank.com for all current rates       Mortgage Loans: APRs (Annual Percentage Rates) assume a 20% down payment and are based upon a $100,000 loan, a $25 Flood Determination Fee and a $399 Processing Fee (first mortgages only). Other down payment options are available. Variable rates may be increased after consummation. Rates and programs are subject to change without notice.      For Information and Marketing Purposes

 

I am never to busy for your referrals

*The listings in the chart above are subject to errors, omissions, and changes without prior notice. Information was downloaded from NNEREN. RE/MAX Upper Valley may or may not be the listing agent for these properties. Additional properties not on MLS may be available and not referenced

*Your information is not confidential until you have entered into an agreement for representation

Click here to view NH Brokerage Relationship Disclosure Form

Click here to view VT Mandatory Consumer Disclosure

Thank you for your time;

Deb Roberts CHMS

RE/MAX Upper Valley Partners

Upper Valley Realtor of the Year 2010

| mobile: 603-381-3977 | www.DebHome4U.com | 603-298-8900

Licensed in New Hampshire and Vermont