Saturday, September 25, 2010

Las Vegas, Water, Helpful tips

BEST TIME TO DRINK WATER
Another little tidbit that's news to me.
Always knew to drink a lot of water, but who knew the timing affected things.

Drinking water at the correct time maximizes its effectiveness on the Human body:
2 glasses of water after waking up helps activate internal organs

1 glass of water 30 minutes before a meal - helps digestion
1 glass of water before taking a bath - helps lower blood pressure
1 glass of water before going to bed - avoids stroke or heart attack

Great Information to share with the people you care about.......
Kim Duclos - Coldwell Banker Wardley - (888) 949-2890 or (702) 521-3939

Thursday, September 2, 2010

Clever Ideas Worth Knowing



Take your bananas apart when you get home from the store.If you leave them connected at the stem, they ripen faster..I didn't know that!

Store your opened chunks of cheese in aluminum foil.It will stay fresh much longer and not mold!

Peppers with 3 bumps on the bottom are sweeter and better for eating.Peppers with 4 bumps on the bottom are firmer and better for cooking.

Add a teaspoon of water when frying ground beef. It will help pull the grease away from the meat while cooking.

To really make scrambled eggs or omelets rich add a couple of Spoonfuls of sour cream, cream cheese, or heavy cream in and then beat them up.

For a cool brownie treat, make brownies as directed. Melt Andes mints in double broiler and pour over warm brownies. Let set for a wonderful minty frosting.

Add garlic immediately to a recipe if you want a light taste of garlic and at the end of the recipe if your want a stronger taste of garlic.

Leftover snickers bars from Halloween make a delicious dessert. Simply chop them up with the food chopper. Peel, core and slice a few apples. Place them in a baking dish and sprinkle the chopped candy bars over the apples. Bake at 350 for 15 minutes!!! Serve alone or with vanilla ice cream. Yummm!

Reheat Pizza
Heat up leftover pizza in a nonstick skillet on top of the stove, set heat to med-low and heat till warm. This keeps the crust crispy. No soggy micro pizza. I saw this on the cooking channel and it really works.

Easy Deviled Eggs
Put cooked egg yolks in a zip lock bag. Seal, mash till they are all broken up.Add remainder of ingredients, reseal, keep mashing it up mixing thoroughly, cut the tip of the baggy, squeeze mixture into egg.Just throw bag away when done easy clean up.

Expanding Frosting
When you buy a container of cake frosting from the store, whip it with your mixer for a few minutes. You can double it in size.You get to frost more cake/cupcakes with the same amount. You also eat less sugar and calories per serving.

Reheating refrigerated bread
To warm biscuits, pancakes, or muffins that were refrigerated, place them ina microwave with a cup of water. The increased moisture will keep the foodmoist and help it reheat faster.

Newspaper weeds away
Start putting in your plants, work the nutrients in your soil. Wet newspapers,put layers around the plants overlapping as you go cover with mulch and for-get about weeds. Weeds will get through some gardening plastic they will notget through wet newspapers.

Broken Glass
Use a wet cotton ball or Q-tip to pick up the small shards of glass you can't see easily.

No More Mosquitoes
Place a dryer sheet in your pocket. It will keep the mosquitoes away.

Squirrel Away!
To keep squirrels from eating your plants, sprinkle your plants with cayenne pepper. The cayenne pepper doesn't hurt the plant and the squirrels won't come near it. (Wonder if this works with rabbits? Sure gonna give it a try)


Flexible vacuum
To get something out of a heat register or under the fridge add an empty paper towel roll or empty gift wrap roll to your vacuum. It can be bent or flattened to get in narrow openings.
Reducing Static ClingPin a small safety pin to the seam of your slip and you will not have a clingy skirt or dress. Same thing works with slacks that cling when wearing panty hose. Place pin in seam of slacks and ... TA DA! ... Static is gone.

Measuring Cups
Before you pour sticky substances into a measuring cup, fill with hot water. Dump out the hot water, but don't dry cup. Next, add your ingredient, such as peanut butter, and watch how easily it comes right out.

Foggy Windshield?
Hate foggy windshields? Buy a chalkboard eraser and keep it in the glove box of your car When the windows fog, rub with the eraser! Works better than a cloth!

Reopening envelopes
If you seal an envelope and then realize you forgot to include something inside,
just place your sealed envelope in the freezer for an hour or two. Viola! It unseals easily.

Conditioner
Use your hair conditioner to shave your legs. It's cheaper than shaving cream and leaves your legs really smooth. It's also a great way to use up the conditioner you bought but didn't like when you tried it in your hair.

Goodbye Fruit Flies
To get rid of pesky fruit flies, take a small glass, fill it 1/2' with Apple Cider Vinegar and 2 drops of dish washing liquid; mix well. You will find those flies drawn to the cup and gone forever!

Get Rid of Ants
Put small piles of cornmeal where you see ants. They eat it, take it 'home,' can't digest it so it kills them. It may take a week or so, especially if it rains, but it works and you don't have the worry about pets or small children being harmed!


Visit http://www.callkim.net/ - 24/7 find a house with your mouse today!

Friday, August 6, 2010

Foreclosure Councelors: What They Can and Can't Do


Foreclosure Counselors: What They Can and Can’t Do

Foreclosure counselors can make the difference between losing your home and keeping it.
Here’s how they work and how to choose one.
A foreclosure counselor can help assess your finances and make a budget, but cannot give any tax or legal advice.

If you’re facing foreclosure, your foreclosure counselor will be a key part of your foreclosure team. As you start looking for one, however, you need to know what exactly they do, what they don’t do, and how to choose one who’s legitimate and qualified.

What a foreclosure counselor does:
Reviews your finances
Helps you establish a budget
Explains your non-foreclosure options, such as
helps you navigate the process with any chosen option
Advocates on your behalf with lenders and loan servicers.

Counselors should also be upfront about discussing their
own track records as well as the track records of the agency they work for.

Expect to spend two to 24 hours with a counselor, depending on the complexity of your foreclosure situation, including how many lenders you have to provide documentation to and negotiate with.“Be sure the counselor is looking at your entire situation,” and not just your foreclosure, adds Martha Viramontes, director of housing at ClearPoint Credit Counseling Solutions in Los Angeles. “When counselors focus only on your mortgage, they’re fixing only one aspect of your financial situation.” They should give you an action plan containing the tasks you are going to perform to change your financial situation.
What a foreclosure counselor doesn’t do:
Give tax advice
Give legal advice
Give guarantees regarding a particular outcome
Create miracles

For additional advice, add a tax adviser and attorney to your team. Finally, “don’t expect a counselor to be a genie,” says Douglas Robinson, a spokesperson for NeighborWorks America, a nonprofit community development corporation in Washington, D.C., that provides foreclosure counseling. “If you’re in a home that under the most aggressive scenario you can’t afford, but maybe you got into it because of some toxic loan that should never have been available in the first place, you’re probably going to have to move. It’s best you get out smoothly.”


How to choose an agency:
Seek only HUD-approved agencies. HUD makes it easy:
Type in your state or ZIP code at http://www.findaforeclosurecounselor.org/


or call HUD’s foreclosure counseling hotline at 800-569-4287
or its foreclosure prevention hotline at: 888-995-HOPE (4673).

HUD-approved agencies are all nonprofit, community-based organizations that have administered a housing counseling program for at least a year.


HUD-approved agencies also are required to:
Employ counselors who are knowledgeable about federal housing programs.
Have a staff of counselors of which at least half must have two or more years of counseling experience.


At least half must also have received housing counseling training in the past two years.
Provide you with certain documents, such as a privacy agreement explaining how your personal information will be handled.


In addition, at the agency you work with, see if you can find a foreclosure counselor who has certification through the NeighborWorks Center for Homeownership Education and Counseling Look (NCHEC), which has a Foreclosure Intervention and Default Certification Program. Certified counselors must follow NeighborWorks counseling standards and code of ethics and conduct.

They also are required to:
Have at least one year of experience in foreclosure counseling
Attend three foreclosure prevention courses

Check out my website at: http://www.callkim.net/
Kim Duclos Coldwell Banker Wardley (888) 949-2890

Wednesday, August 4, 2010

Hire Smart When you Hire a Contractor!

With more people working on their current homes, opting to make upgrades, expand or keep up with their current home maintenance needs, contractors and their reliability comes into question.

What to do to hire a contractor.....

1. Verify Qualifications
Ask for references and work samples. Call the references, get a feel for the satisfaction of their past clients. Check the contractor's license and it is easy to do online nvcontractorsboard.com
or call (702) 486-1100

2. Always get 3 bids
Ensure each contractor is bidding on identical work.


3. Get Bids in Writing
Negotiate a clear, detailed contract. Examine plans for accuracy.


4. Monitor Progress
Make frequent walkthroughs and keep a job file. If you live onsight, just make sure that the work is according to the agreements that were made. Make sure any deviation of agreements is approved by you.

Always speak up, ask questions and verify, verify, verify.

Call me with your real estate questions at (702) 521-3939 or (888) 949-2890
Kim Duclos Coldwell Banker Wardley

Friday, July 30, 2010

Safety - Know your Meter Reader


Yes, even though we live in a high tech society, we still have water meter readers working in our neighborhoods. It is important to know who does and does not belong around your home. Having an unfamiliar vehicle near your home can cause concern.
The Las Vegas Valley Water District came up with some tips to identify their water district employee in your area.
1. Water Dist. employees will drive official vehicles with a clearly marked blue and yellow Water District Logo.
2. District Employees and contractors will always display in plain view a Water District photo identification badge with their name and title. District employees wear LVVWD logo shirts that areligth blue, bright orange, white or neon "safety" green.
3. No district employee will request entry to your home or request that you collect a water sample from inside your home for analysis. They may enter a backyard, if necessary, to access your meter.
4. No district employee will ever request or collect payment at your residence for water bills or for services rendered.
If you are ever concerned about anyone approaching or calling your home regarding your water service - please contact the water district. (702) 870-4194.
If you feel you are in stranger danger, always remember 911.
Kim Duclos
Coldwell Banker Wardley
(702) 521-3939


Monday, July 19, 2010

Making a Simple Move

I received an article by Gregory Karp on moving, I thought
it a great idea to share.

Twelve Tips to Make Your Move Simple and Stress-Free (MCT)
Packing your belongings and moving is often fraught with high emotions and involves a to-do list a mile long. So, it’s tempting to give only passing attention to hiring a mover and the related incidental costs. That could be a mistake—for your wallet and your peace of mind. Moving can be quite expensive. A typical full-service interstate move costs about $4,300, while the same in-state move might cost about $2,500, according to the American Moving & Storage Association. And while the moving industry has many fine companies, it is notorious for fraud and dirty tactics by so-called rogue movers.


Here are 12 tips to make your move simple and avoid the hassle.

Choose a type of move: You have three basic choices: do-it-yourself, full service and a relatively new hybrid of the two. Going it alone is the cheapest alternative, costing the rental price of a truck, gasoline, packing materials and, perhaps, pizza and beer for friends you rope into helping. With full-service moves, moving within a state is charged by the hour, while moving across state lines is charged by weight and mileage.

With a hybrid move, a mover will drop off a large container at your home for you to pack. The mover will then load the container onto a truck, drive the belongings to your new location and drop off the container for you to unload. Because you’re doing the manual labor of packing and unpacking, it’s far less costly than a full-service move.

Hire a quality mover: If you hire help, get at least three price quotes and do your homework before selecting a mover. Seek recommendations by talking with family and friends, even your Facebook circle. Investigate a company’s reputation with the Better Business Bureau (bbb.org), Yelp.com


Check a company’s complaint history at the federal government site, ProtectYourMove.gov.
“People think a good reputation equals expensive, but that’s not true,” said Laura McHolm, co-founder of NorthStar Moving in Los Angeles. “You don’t get a good reputation by overcharging people.”

Look for two things when hiring a moving company:


1. A full-service mover should visit your home in person,
2. And not give a quote over the phone or online, and should provide a written estimate, experts say.

Declutter: No matter what type of move you’re making, taking less stuff is cheaper and less hassle. Set up a staging area, perhaps in a garage, with various piles, such as throw out, recycle, donate and sell. For many items, use the rule of thumb, ‘If you haven’t used it in a year, you probably don’t need it.’

Be flexible: Like airline fares, moving rates depend on when you book. The busiest time for movers, and thus the most expensive time for consumers, is summer weekends near the 15th and 30th of the month. If you have time flexibility, ask what rates would be for different days or seasons. If you have extreme flexibility, ask about moving standby: waiting until the mover has extra space and needs to fill a truck.

Save on boxes: Buying new boxes from a moving company is the most expensive choice. To save some money on packing materials, ask if you can buy used boxes from your moving company, visit the grocery store and see if they have apple boxes etc.
Cheaper yet is finding free boxes, ideally from somebody who just moved. Ask your real estate agent to connect you with other clients who recently moved. Specialty boxes, such as wardrobe boxes, might be cheaper to purchase at a do-it-yourself moving store, such as U-Haul, than from your mover.

Save on packing materials: If you’re packing your belongings yourself, fill suitcases, laundry baskets and plastic containers with unbreakable items. Use pillows, scarves and towels to wrap fragile belongings.

Mail books: If you have a large collection of books, pack them yourself and ship them at the postal media mail rate as it might be cheaper than paying a mover—a 70-pound box would cost less than $30.

Consider consolidation: For long-distance moves, ask about consolidating your stuff on a truck with other people’s as most homeowners can’t fill a full-size moving van. You might have to be flexible on delivery dates and times, but consolidation can be cheaper.

This is very IMPORTANT - Insure it: Check your homeowner’s or renter’s insurance policy to determine whether it provides coverage for your belongings while in transit. If not, you’ll probably want more than the basic free valuation coverage a full-service mover provides. The standard valuation is 60 cents per pound per item. That means breaking a 10-pound, $1,000 stereo system would net you $6. You’ll want full replacement-value insurance, which reimburses you what it will cost to replace broken items. But don’t necessarily buy that insurance from the moving company. Moving insurance is likely cheaper from a third party, but be aware that you probably cannot get insurance on boxes you packed yourself.


Be prepared: Plot out where furniture and boxes will go before moving day arrives. The less time movers spend rearranging, the less expensive it will be. In urban areas, reserve a space or two in front of your new home for the moving truck by parking your own vehicle there ahead of time. If the movers have to park too far away to unload, you could incur a ‘long carry’ surcharge.

Stake your claim: If you’re moving for a job, negotiate the best relocation package you can. Unreimbursed expenses might be tax-deductible. For details, see Publication 521 Moving Expenses at IRS.gov.

Tip: Tipping each mover $3-$5 per hour is customary, said Stephen Coady, marketing manager for Gentle Giant Moving Co. in Somerville, Mass.

(c) 2010, Chicago Tribune. Distributed by McClatchy-Tribune Information Services.