RE/MAX 440
Patty Jo Anzivine
pattyjovine@gmail.com
Patty Jo Anzivine
4550 W. Tilghman Street
Allentown  PA 18104
PH: 610-390-0415
O: 610-398-8111
F: 267-354-6902 
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Consumer Confidence Ticks Up Again

January 2, 2012 4:10 am

According to the latest Consumer Confidence Index released earlier this week by The Conference Board, consumer confidence—which had already improved in November—increased even further in December. The Index now stands at 64.5 (1985=100), up from 55.2 in November. The Present Situation Index increased to 46.7 from 38.3. The Expectations Index rose to 76.4 from 66.4.

The monthly Consumer Confidence Survey®, based on a probability-design random sample, is conducted for The Conference Board by Nielsen, a leading global provider of information and analytics around what consumers buy and watch. The cutoff date for the preliminary results was December 14.
According to Lynn Franco, director of The Conference Board Consumer Research Center, "After two months of considerable gains, the Consumer Confidence Index is now back to levels seen last spring. Consumers’ assessment of current business and labor market conditions improved again. Looking ahead, consumers are more optimistic that business conditions, employment prospects, and their financial situations will continue to get better.”

Franco adds that it is too soon to determine whether or not this increase represents “a sustainable shift in attitudes."

Consumers' assessment of current conditions improved in December. Those stating business conditions are "good" increased to 16.6 percent from 13.9 percent, while those stating business conditions are "bad" declined to 33.9 percent from 38.0 percent. Consumers' assessment of the job market was also more positive. Those claiming jobs are "plentiful" increased to 6.7 percent from 5.6 percent, while those claiming jobs are "hard to get" decreased to 41.8 percent from 43.0 percent.

Consumers' short-term outlook also improved in December. The proportion of consumers expecting business conditions to improve over the next six months increased to 16.7 percent from 13.7 percent, while those expecting business conditions will worsen declined to 13.4 percent from 16.1 percent.

Consumers' outlook for the job market was also more favorable. Those anticipating more jobs in the months ahead increased to 13.3 percent from 12.4 percent, while those anticipating fewer jobs declined to 20.2 percent from 23.8 percent. The proportion of consumers expecting an increase in their incomes improved to 17.1 percent from 14.1 percent.

The next Consumer Confidence Index release is scheduled for Tuesday, January 31, 2012.

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5 Ways to Achieve Work-Life Balance

January 2, 2012 4:10 am

Five, 10 or 15 years ago, the American Dream often consisted of owning a big house, fancy cars and great clothes. However, according to Kate Raidt, author of “The Million-Dollar Parent: How to Have a Successful Career While Keeping Your Family a Top Priority,” the recent recession and housing crisis has caused many Americans to reassess what’s truly important: achieving work/life balance in order to do more things, not have more things.

Here are Raidt’s five “must-dos” in order to successfully live the new American Dream and create a successful work/life balance:

1. Live below your means. The only way to have time and energy to do the things most important to you is to spend less time at work and more time with life. Your monthly expenses might be keeping you in a job that demands too much of your time. Cutting monthly expenses reduces the amount of income needed and may allow you to choose a career that affords you more time for life.

2. Your job must be a good “vehicle.” According to Raidt, any job that sucks you dry emotionally or physically is not a good vehicle for a fulfilling life because you come home too drained to do the things you really love. Ask yourself: Am I able to leave work behind when I drive home? When I come home, am I energized to spend time with my kids? If the answers are “yes,” then you probably have a great vehicle for work/life balance – regardless of your job title or paycheck.

3. Are you in control of your career and your life? Make sure you work for an organization that allows you to stand up for your own schedule and that is willing to work with you to help you have life balance.

4. Turn off your cellphone. Emails, text messages, Facebook, YouTube, games, apps, etc. are huge culprits in the demise of the American Dream. Raidt believes that spending more than a few minutes a day with these gadgets will kill quality time with your kids, distract you from exercising and derail any goals you set for yourself.

5. Take time daily for what matters most. Carve out quality time for your priorities - i.e., your children - every day and don’t let anything get in the way of that time. Schedule everything else (including work) around your priorities. Push and shove distractions out of the way, says Raidt, or your life goals will take the hit.

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Use of Real Estate Agents on the Rise

January 2, 2012 4:10 am

According to the National Association of REALTORS® “2011 Profile of Home Buyers and Sellers,” more than ever, homebuyers are relying on real estate agents and brokers to help them with their home purchase regardless of whether the home they are buying is a foreclosure, short sale, or even a FSBO sale because they need a real estate agent to help them through the process.

According to NAR’s annual research report, 89 percent of recent buyers purchased their home through a real estate agent or broker. The data also depicts a trend line of how buyers purchased a home from 2001 to 2011. In 2001, only 69 percent of buyers purchased through a real estate agent or broker, compared to today’s 89 percent. Overall, the 2011 Profile shows only 7 percent of recent homebuyers bought through a builder or builder’s agent and 4 percent bought through the previous owner.

The survey also reveals that 60 percent of recent buyers had an oral or written arrangement with the real estate agent or broker so that the buyer’s agent only represented the buyer and not the seller.

Twenty-nine percent did not have this arrangement and 11 percent of recent homebuyers did not know if they had the arrangement or not. While 29 percent of buyers did not have this arrangement, it is not clear whether when the buyer purchased a home the buyer’s agent was also the selling agent or whether the buyer ended up purchasing a home that their buyer’s agent was not the listing agent.

For more information on the 2011 Profile of Home Buyers and Sellers, visit www.realtors.org.

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5 Ways to Turn a Resolution into Reality

December 30, 2011 4:10 am

While approximately 90 percent of Americans break their New Year’s resolutions by January 31, there are strategies to help you stick to your guns and make your goals for 2012 a reality. Consider these tips from life coach, Dr. Maya Bailey:
  • Be clear and specific. Dissect general resolutions, such as “I want to be more successful,” to come up with the specific steps to reach that goal. For example, define what success means to you: More money? More time to spend with family? More notoriety? This will help clarify the necessary steps for reaching your goal, says Bailey.
  • Confront your mental blocks. Ask yourself what blocks and obstacles you will have to overcome to reach your goals, advises Bailey, and take inventory of your own self-limiting beliefs. Uncover the beliefs that have historically blocked you from moving forward and replace these with new, positive thoughts right away.
  • Determine where you need improvement. Once you’ve conquered your self-limiting beliefs, figure out which areas of weakness tend to hold you back from reaching your goals: Disorganization? Avoiding people? Lack of consistency? Sometimes our bad habits derail us from reaching our goals, so seek to strengthen such areas, says Bailey.
  • Have a timeline and a plan. Declaring a resolution is a great first step but if you don’t put some parameters around it, such as a deadline, chances are high that it might never happen. A plan and a timeline build in necessary accountability to your resolution, Bailey explains. Consider enlisting a colleague, spouse or coach to help in the accountability department.
  • Keep the prize in mind. Did you know that most top athletes mentally rehearse and visualize themselves performing at their best? If you're really serious about manifesting what you want this year, take advantage of this important strategy, says Bailey. Picture yourself a year from now having achieved all your resolutions for 2012, ready to take on the challenges of yet another year. This positive mental image will serve as an important motivator throughout the year.

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Considering a Second Home? Make Sure Your Finances are Up to Snuff

December 30, 2011 4:10 am

While the thought of a mountain cabin or a beachfront bungalow may seem like mere fantasy, according to Massachusetts-based mortgage executive, Chip Poli, with the proper research, your dream vacation home might actually be within reach. The first step, says Poli, is to start organizing your finances to make sure you can afford it without compromising the security of your other assets.

Poli offers the following five tips to help you assess whether or not you are ready to handle the financial investment of a second home:

1. Figure out what you can reasonably afford by looking closely at your income, savings, and spending habits. Future expenses need to be factored into your budget, such as the likelihood of replacing a car or adding to your family.

2. Check each of your three credit reports well before you start looking at houses or shopping for lenders. If your credit score needs improvement, contact a credit counseling agency or ask your mortgage company for advice.

3. Create a budget. A budget not only clarifies your current financial situation, but it also helps you identify places where you might cut back to save for a down payment.

4. Consider tax implications. Purchasing a second home has its benefits, but you should make sure you consider funds for property taxes on the second home as well as additional income tax if your home will be rented out. You should research the area's property taxes because some locations have significantly higher or lower property taxes.

5. Get some help. Seek the help of a professional real estate agent and mortgage professional. Today’s market is too unpredictable to go it alone.

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Top Financial Lessons for the New Year

December 30, 2011 4:10 am

According to financial expert and television commentator, Jean Chatzky, there are several financial lessons from 2011 to be aware of as we move into the new year. Here are a few of Chatzky’s favorites:
  • Don’t obsess over the news. Negative economic news, such as the debt-ceiling debacle and the Eurozone crisis, created substantial market volatility, which plays with our emotions and makes us act impulsively, says Chatzky. Remember, she advises, the market rewards those who stick around for the long-term. A recent study by Fidelity revealed that 401(k) accounts are almost back to pre-recession levels—but only for those who didn’t back down and stop contributing. If the headlines are bad, turn off the TV, says Chatzky, and avoid the temptation to tinker with your portfolio.
  • Take control of your finances. While negative news and the financial market are out of our control, we always have control over our own finances, including how much we spend, and more importantly, how much we save. If you haven’t already, says Chatzky, automate your savings and watch your money grow. This is the ultimate sense of control.
  • Limit what you borrow for college. Student loan debt will reach $1 trillion for the first time ever and college tuition is soaring faster than inflation, so Chatzky advises college-bound students and their families to be careful about what—and how—they borrow to avoid ending up in a default situation.
  • It’s never too late to get on track. Chatzky stresses that it doesn’t matter how old or young you are—if you’ve made financial mistakes this year, pick yourself up, dust yourself off, and make a plan that will put you back on track, whether it’s saving $10 a day or finding a better-paying job. Options are always out there for the taking.


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Tips to Overcome Winter Gloom and Sell Faster

December 29, 2011 4:10 am

If your home will be for sale this winter, it is important to master certain seasonal issues that are less significant or even non-existent at other times of the year. Here are a few tips to aid in the successful sale of your home:
  • Brighten it up: Counter the cloudy days of winter by making your home stand out. Keep the lights on in the front of the house even if no showings are scheduled. You never know who will be driving by to take a peek.
  • Don't overlook a place for shoes: Prospective buyers and guests will likely be schlepping through your home with muddy shoes and boots. Make sure you have a designated spot for wet footwear, like a festive rug or area in the breezeway. You want to ensure that your home stays just as clean for whoever will be touring the home next.
  • Keep it fresh: Homes, especially ones not currently being lived in, have a tendency to get stuffy in the winter time. Air out the home on warmer days or have a nice room fragrance available, like a candle or spray. As always, keep pets hidden or away from the main quarters to make sure no additional smells enter the home.
  • Keep a steady temperature: Don't cook your prospective buyers. Keep the home at a steady 65 degrees during showings. Those touring will likely not be taking off their jackets, so there's no reason to make them sweat.
  • Don't ignore the exterior: Just because it's winter doesn't mean you should neglect the yard. Be sure to keep walkways clear of ice and debris to ensure everyone's safety. Always shovel the driveway and walks promptly after a snowfall or ice storm.
With these tips and a little bit of thought, adjusting your selling methods to suit the season can only help in the long run.

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Apartment Finder Releases Android App

December 29, 2011 4:10 am

Finding a new place to live just became easier for consumers, who can now browse apartments on their smartphones, according to Apartment Finder, which recently launched an additional mobile tool—a free Android App to make looking through photos, maps, and more information a better experience for apartment shoppers. Consumers may download the app for free from the Android Marketplace.

According to Nielsen Research, more people will own smart phones than personal computers or laptops as soon as 2013 and comScore Research indicates that 73 percent of local searches (such as looking for a home) are currently performed through mobile web browsers.

To reach more consumers at a time and place when they are actively engaged in apartment searching, Apartment Finder launched a mobile version of its website in 2011 and an iPhone app in 2010.

The new app includes helpful features such as:
  • Search by GPS
  • Search by city, state or zip
  • Advanced search
  • Recent search history
  • Search results in map or list views
  • Apartment details such as photos, floor plans, price, description, amenities, and contact information in user-friendly screen displays
  • Save to Favorites, Save Notes, Driving Directions, Map Location and the ability to share with friends or family
  • Widget for Android Home Screen
  • View in Landscape or Portrait Mode
  • Android Operating System 2.1+
For more information, visit www.ApartmentFinder.com.

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Facebook Top Search Term for Third Straight Year

December 29, 2011 4:10 am

The top 1,000 search terms for 2011 are in, and Facebook was the top-searched term overall in the US. This is the third year that the social networking Website has been the top search term overall, accounting for 3.10 percent of all searches, a 46 percent increase from 2010. Four variations of the term "facebook" were among the top 10 terms and accounted for 4.42 percent of searches overall, a 24 percent increase from 2010.

Among the top 10 terms, "youtube" moved up from the third spot in 2010 to the second spot in 2011. "Facebook login" was the third most-searched term in 2011, followed by "craigslist" and "facebook.com." Facebook.com moved up one spot in 2011 to be among the top five search terms. This is an increase of 12 percent compared with 2010. When combined, common search terms for Facebook - e.g., facebook and facebook.com - accounted for 3.48 percent of all searches in the United States among the top 50 terms, which represents a 33 percent increase compared with 2010. YouTube terms accounted for 1.36 percent, representing a 21 percent increase compared with 2010. Google terms (including YouTube) accounted for 1.59 percent - an increase of 27 percent compared with 2010. Yahoo terms accounted for 0.59 percent - an increase of 15 percent compared with 2010.

New terms that entered the top 50 search terms for 2011 included addicting games, amazon.com, cnn, chase online, face, facebook sign up, hotmail, lowes, pandora, and twitter.

Top-visited Websites in 2011
Facebook was the top-visited Website for the second year and accounted for 10.29 percent of all U.S. visits between January and November 2011, a 15 percent increase from 2010. Google.com ranked second, with 7.70 percent of visits, a 7 percent increase, followed by YouTube (3.17 percent), Yahoo! Mail (2.95 percent) and Yahoo! (2.47 percent).

The combination of Google properties accounted for 11.98 percent of all U.S. visits, a 22 percent increase compared with 2010. Facebook properties accounted for 8.93 percent, and Yahoo! properties accounted for 6.81 percent. The top 10 Websites accounted for 32 percent of all U.S. visits between January and November 2011, which was flat compared with 2010.

Top public figure searches - Justin Bieber was the 92nd most popular overall search term in the United States in 2011:
1. Justin Bieber (92)
2. Casey Anthony (178)
3. Kim Kardashian (193)
4. Nicki Minaj (210)
5. Selena Gomez (244)
6. Charlie Sheen (292)

Top personalities - the top five searches from within the Personalities category (sites focused on celebrities and stars):
1. Kim Kardashian
2. Glenn Beck
3.Rush Limbaugh
4. Robert Pattinson
5. Khloe Kardashian

Fastest-moving movie titles - the top five searches from within the Movies category:
1. Star Wars
2. Transformers 3
3. (Twilight) Breaking Dawn
4. Harry Potter and the Deathly Hallows
5. Fast Five

Music - the top five searched-for artists/bands:
1. Lady Gaga
2. Justin Beiber
3. Beyonce
4. Taylor Swift
5. Chris Brown

Top TV show searches - the top five from the Television category:
1. American Idol
2. Young and the Restless
3. Dora the Explorer
4. Dancing with the Stars
5. Days of our Lives

Source: Experian Hitwise, a part of Experian Marketing Services

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8 Tips for Protecting Your Home While You Travel

December 22, 2011 10:06 pm

If you're planning to travel during the new year, you can help protect your home while you're away by following these simple tips:

1. Make it look like you're home. Install timers on interior lights so they turn on and off periodically. Many timers cost less than $25. Some more costly products are capable of varying the time that your lights turn on. Also consider leaving your radio on and tuned to an all-news or talk show station.

2. Disconnect and remove all exterior electrical decorations before you leave to reduce the chance of fire and theft. Install exterior lights controlled by motion sensors to make your home a more difficult target for prowlers.

3. Discontinue your newspaper delivery temporarily. Be sure to give several days notice so your order can be processed in time.

4. Ask someone to collect any free papers or sales materials left near your house. When fliers and papers are left on a driveway day after day, it's a sure sign that no one is home.

5. Have the post office hold your mail. This can be initiated by calling the U.S. Postal Service at 1-800-275-8777 and listening to the option for putting a vacation hold on your mail. You can make arrangements up to 30 days in advance of your vacation; at minimum, two days will be needed to process your request.

6. Ask a friend or neighbor to park a car in your driveway occasionally and keep an eye on your place. If police regularly patrol your neighborhood, give law enforcement authorities your schedule so they can watch for suspicious activity. If there's a crime-watch program, notify the person in charge.

7. If you have an alarm that is monitored, tell the alarm company you will be away. If possible, provide a phone number where you can be reached.

Before traveling, take these simple steps to help protect your property.

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