Annemarie Torcivia - RE/MAX  Trinity



Posted by Annemarie Torcivia on 11/11/2019

The lifetime warranty. We’ve all heard about the wonders of owning an item with a lifetime warranty, but few of us actually own such products. Well, few of us are aware of it anyway.

The home is where we pour most of our money into. It seems like things are constantly breaking and needing to be replaced or repaired. But few of us check to see if the item has a manufacturer’s warranty. Nor do we remember if we bought an extended warranty.

In this article, we’re going to give you some tips on how to take advantage of warranties you may not know that you have, and how to shop wisely for warrantied products in the future.

But first, we’ll impart some general warranty knowledge.

Understanding the warranty

A warranty is a written guarantee provided to the purchaser of an item that they will repair or replace the item if it isn’t functioning as intended.

In most cases, there are time limits and exceptions to a warranty. Manufacturers know that their products won’t really last forever, so they plan for the eventual breakdown of the product from wear and tear.

Similarly, manufacturers don’t want you to misuse the product and then ask for a replacement, so they list exceptions to their warranties. To find out if one of your household items is under warranty, you can often check the manufacturer’s website.

To ensure you’re eligible for a warranty or replacement, it’s often necessary to have a copy of your purchase receipt which shows where and when you bought the item.

We know--keeping track of receipts is an annoyance few of us want to participate in. So, an easier solution is to keep an app like Google Drive or Dropbox on your phone with a folder called “receipts” or “warranties.” Then, the next time you make a purchase, simply snap a photo of the receipt and keep in in your drive.

Extended warranty warning

Many retailers will pitch you an extended warranty when you buy a product. Some of them are worth it, but most of the time you’re better off foregoing these add-ons.

Oftentimes, products are already covered by a manufacturer warranty. And, in some cases, the cost of the item is so low that owning a protection plan isn’t worthwhile.

Warrantied items you may not know about

Now that you know how to keep track of your warranties, let’s talk about some important items that you may not know has a warranty.

  • Roofing. Roofs are expensive and don’t last forever. However, many manufacturers promise 20 years of good service from your shingles.

  • Vinyl siding. Another expensive exterior item, siding is often warrantied by common manufacturers, including several “limited lifetime warranties.”

  • Tupperware. If there’s one product on this list you’ve probably heard of, it’s Tupperware. They’ve been famous for their lifetime warranties for decades.

  • Pampered Chef. This company makes an array of kitchen related products. Many of their items come with lifetime warranties.

  • Craftsman. Their power tools are affordable and include a lifetime warranty.




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Posted by Annemarie Torcivia on 11/4/2019

You may have a rough idea of what your home is worth. Maybe you have recently been given an assessed value on the home, or have peeked on an online search as to what comes up for your home. Do you really understand all of the things that affect the value of your home? There are many things that may not be obvious but are important to the number that you’ll come to when you decide to sell your home. 


The Number Of Your House


Do you live at 13 Elm Street or 7 Winner’s Way? Buyers have superstitions that surround numbers and street names. Don’t be surprised if the number of your house or even the name of your street brings buyers in or sends them running. There’s not much you can do to change the house number or street name, but it’s something to keep in mind. Sometimes the reason that certain buyers are turned off from your house is truly out of your control. If you do live on a desirable street, that can help bring up the value of your home due to the demand in the area. Remember that what some consider “unlucky” others consider a blessing (like the number 13!) 


The Neighborhood


While your home may be perfectly pristine, you don’t have much control over what your neighbors do. If there are neighbors nearby that have strange items in their yards, strange colored homes, or other eccentric tastes, buyers may be turned off from your home. This could actually cause the price of your home to drop slightly. You should be prepared for this to affect the sale of your home, but don’t be discouraged. If buyers enjoy your home enough, they’ll be able to turn off that all too bright paint color next door.


Greenery


Trees and greenery increase the value of a home. Don’t think of cutting down those trees on your property unless you have to! Trees that have grown up on your property will add a lot of value to the home in the future. If you’ve been living at your residence for 20 years or so, think of the value that those first seeds and bushes you planted have added! 


Interests Are Not Universal


If you have displays, shrines, or rooms dedicated to a certain hobby, it could either be beneficial or detrimental to your home sale. This all depends on who comes walking through the door for a home showing. If you’re a Veteran and have some Marine Corps things around the houses, it could attract the attention of other Vets. However, that strange Marilyn Monroe room you have might actually deter from the pool of people available to buy your home. Buyers like to be able to see themselves living in the home. Some circumstances make it easier than others for buyers to have a vision for themselves in your home.    





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Posted by Annemarie Torcivia on 10/28/2019

You know that you don’t get enough nutrients and that the best place to get what you need lies in those beautiful dark leafy greens. But you’re just not satisfied with a constant diet of salad, and smoothies just aren’t your thing. So, what to do?

Experts say you need between a half and a full cup of dark, leafy greens every day for their health benefits and to detoxify your system, and your brain needs those nutrients to protect it from cognitive decline. Leafy green vegetables come packed with minerals and vitamins. They’re low in caloric content too so you can eat as much as you like.

Adding greens

-Make a “lite” pizza on a thin crust and add basil, arugula, or spinach with feta.

- Sautee spinach and garlic in olive oil and add a dash of red pepper to give it some zing.• Toss a handful of spinach into vegetable soup or throw some basil into your Thai curry.

- Jazz up some slaw with Brussels sprouts and chopped kale.

- Make a taco salad and add in arugula, cilantro, and romaine with plenty of diced avocado.

- Scramble some eggs and throw in spinach or arugula and some cherry tomatoes for color.

- Or make a spinach omelet.

- Add spinach or chopped kale to a quiche and bake until golden brown.

- Bake up a batch of kale chips.

No matter how you add it, increasing your greens will bring you more benefits than just drinking powdered greens. You’ll increase your fiber content which is excellent for your colon health and your blood vessels. Greens improve blood pressure, help reduce obesity, and You’ll increase your fluid intake because greens hold quite a bit of water. Greens add folate, a B vitamin that works in our bodies to switch on and off parts of our genes (called epigenetics), and to synthesize amino acid productions. 

Not only are the low in calories, but they also burn fat because they contain nitrites, which research associates with converting the fat-storing white fat cells into the fat-burning brown ones. Also, they are anti-aging with their high concentrations of Vitamin K, beta-carotene, and lutein.

Best of all, dark leafy greens fight diabetes. The magnesium, ALA Omega-3 fatty acid, and polyphenols that you find within greens help manage the glycemic load and improve insulin sensitivity that help your body respond appropriately to insulin.

Greens are easy to grow in your garden too. Stop at your local nursery and pick up a few pots of greens for your patio garden or window sill and start enjoying their health benefits today.




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Posted by Annemarie Torcivia on 10/21/2019

Ever wondered what the market value of your home is? Or what the market value would look like for your dream home? If you’ve done a quick Google search you’ve probably come across at least a handful of websites offering tools to help you determine the value you on your own. But the numbers these tools put out should always be taken with a grain of salt. Calculating a home’s value is a complex calculation taking more than just hard data into account. And that’s where your real estate agent comes in with the information you need to know that an online tool couldn’t possibly obtain.

The first thing you should know is that the market value is not a number set in stone. It’s also not a number that is reached from purely quantitative data. This is because market value is what buyers are willing to pay for a home and there are so many qualitative factors that go into this decision. Factors a computer can’t find or determine on its own and that usually require someone local who has extensive knowledge of the area.

Someone like a real estate agent! An agent is well versed in selling homes in the area and connections to the community. Agents also have access to a database that stores information from all the local home sales to use as a jumping off point when calculating the home value.

So this isn’t a hard and fast rule that necessarily goes by the book. While homes that have sold with similar features as yours are part of the equation they aren’t the whole picture.  So yes, the number of bed and baths in your home, amenities, recent updates, the overall condition of the home, location, and age of the house will all be carefully considered this is just a piece of the bigger picture.

Factors such as current market conditions,  how many other houses are on the market, and the various reasons why nearby homes have sold are a few factors that can make an impact on your home value. Afterall, you don’t want to underprice your home based off of other homes that have sold at a lower price point to attract buyers fast or overprice for your neighborhood based on what you feel your home is worth.

Lenders want to ensure the home is selling at or above the market value so getting the price right will ensure a smoother buying process for potential buyers. However, if a property is on the market for longer than 30 days, which happens often to those that are overpriced, buyers start to wonder why. They may avoid your home as a possibility. In this scenario, sellers often have to significantly drop pricing, often below market price, to attract potential buyers.

Real estate agents are truly the best source for all of this information. They can perform what is called a competitive market analysis (or CMA). We have access to resources third-party websites and DIY-appraising just can’t access.




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Posted by Annemarie Torcivia on 10/14/2019

The homebuying process can be stressful, particularly for those who are purchasing a house for the first time. From the time it takes to find your "dream" home to the final closing, there may be many hurdles that you'll need to overcome to secure your ideal home. As such, it sometimes can be difficult for a first-time homebuyer to maintain a positive outlook during the most challenging times.

Lucky for you, we're here to help you remain calm, cool and collected throughout the entire homebuying cycle.

Now, let's take a look at three tips to help first-time homebuyers maintain a positive outlook at each stage of the homebuying journey:

1. Establish Realistic Expectations

Although first-time homebuyers would like to believe the property buying journey will be quick and seamless, it is important to realize that problems can arise without notice. However, homebuyers who understand the ins and outs of purchasing a house should have no trouble identifying potential issues and minimizing their impact.

For example, a homebuyer who defines his or her ideal residence can narrow a home search accordingly. This homebuyer also will be able to check out a variety of houses based on assorted property buying criteria and boost his or her chances of discovering the perfect residence without delay.

A homebuyer who establishes realistic expectations will be ready for the worst-case scenarios too. And if this homebuyer submits an offer to purchase a home that ultimately gets rejected, he or she will remain confident and be ready to restart the homebuying cycle from stage one.

2. Become an Informed Homebuyer

A first-time homebuyer who learns about the housing market can improve his or her chances of getting the best possible results.

Allocating the necessary time and resources to understand the differences between a buyer's market and a seller's market, for instance, can make a world of difference for any homebuyer, at any time.

Furthermore, an informed homebuyer may be more likely than others to get pre-approved for a mortgage. With a mortgage in hand, this property buyer can set a budget for his or her home search and increase the likelihood of securing a terrific house at an affordable price.

3. Work with a Real Estate Agent

When it comes to purchasing a home for the first time, why should a homebuyer leave anything to chance? Instead, a homebuyer can work with a real estate agent to reduce the risk of potential pitfalls throughout the homebuying cycle.

A real estate agent is happy to respond to a homebuyer's concerns and questions as the property buying journey progresses. This housing market professional will even help a homebuyer maintain a positive outlook, regardless of what happens. That way, a real estate agent can assist a homebuyer through both good times and bad and ensure a property buyer can purchase a first-rate house that matches or exceeds his or her expectations.

Take advantage of these tips, and any first-time homebuyer can keep things positive at each stage of the homebuying cycle.




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