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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Green Travel Trend Continues to Gain Momentum

April 24, 2012 5:12 am

TripAdvisor, one of the world's largest travel sites, recently announced the results of its eco-friendly travel survey of more than 700 U.S. travelers. The green travel trend is gaining momentum among TripAdvisor members, as 71 percent said they plan to make more eco-friendly choices in the next 12 months compared to 65 percent that did so in the past 12 months.

Going Green: Travelers' Eco-Friendly Choices
-Fifty-seven percent of travelers said they "often" make eco-friendly travel decisions, such as their choice of hotel, transportation, or food source.
-Forty-four percent of travelers said they are more environmentally conscious at home than while traveling.
-Forty-seven percent of travelers said they are equally eco-friendly at home and while traveling.

Travelers' top 3 eco-friendly practices:
1. Turned off lights when not in hotel room – 88 percent
2. Participated in hotel's linen/towel re-use program – 80 percent
3. Used recycling in the hotel – 57 percent

Green Believing: How Travelers View Hotels' Eco-Friendly Efforts
-Forty-four percent "mostly" believe a hotel’s claim to be eco-friendly, 32 percent "rarely" do and 20 percent "don't know."
-Forty-one percent would believe a hotel's claim to be eco-friendly if they experienced or witnessed green practices first hand.
-Twenty-four percent would be "green believers" if they were able to see a hotel's environmentally-friendly certification.
-Sixty percent of travelers said they rarely feel informed about whether hotels are truly eco-friendly; 13 percent said they never do.

Hotels' top 3 eco-friendly practices, according to travelers:
1. Towel/linen reuse – 58 percent
2. Adjustable thermostat in room – 37 percent
3. Water-efficient low-flow toilets and showerheads – 32 percent

Spending Green to be Green: Are Travelers Willing to Pay?
-Half of the travelers surveyed would spend more money to stay at an eco-friendly accommodation.
-Twenty-three percent would pay up to $25 additional per night to stay at such a property, while nine percent would be willing to spend $25-$50 extra.
-Seventy-five percent said the economic landscape does not affect their interest in eco-friendly travel choices.

Green Getaways: Making Eco-Tourism the Focus of the Trip
-Twenty percent of respondents said they would consider an "eco-tourism" trip, but 17 percent said they are unfamiliar with such trips.
-Four percent said they have taken an eco-tourism trip.
-Twenty-four percent have considered a "voluntourism" trip and three percent said they've taken one. Sixteen percent are unfamiliar with voluntourism trips.
-Nearly a third of travelers (30 percent) would choose a destination for a trip because it is considered eco-friendly.
-Costa Rica is the most popular destination in the world for travelers interested in an eco-friendly trip.

The top 3 perceived eco-friendly U.S. cities, according to travelers:
1. Portland, Ore.
2. San Francisco, Calif.
3. Seattle, Wash.

"Green initiatives are an increasing priority for hospitality businesses that are trying to reduce their environmental footprint," said Jenny Rushmore, director of responsible travel for TripAdvisor. "Our survey shows that TripAdvisor travelers are interested in eco-friendly practices, but hungry for more information about which green plans and policies are actually in place."

Source: TripAdvisor

Published with permission from RISMedia.


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6 Tips for a Greener Lawn

April 24, 2012 5:12 am

Now that spring is in full swing, Americans across the country are taking advantage of the warmer weather and longer days by spending more time outdoors. If your lawn isn’t quite ready for neighborhood picnics and impromptu gatherings, the following tips will help you get your grass up to par.

Tip #1: Let the lawn go brown during dry spells
It's human nature to want to water a browning plant. But in the case of grass, the color change is merely an indication that the plant is entering a natural state of dormancy designed to conserve nutrients. "From an agronomic standpoint, most grasses can easily survive a month without water," says Doug Soldat, turf scientist at the University of Wisconsin-Madison. If you can't live with brown grass, the time to water is when you leave footprints in the lawn after walking on it. But don't make the mistake of giving it a light daily watering during dry spells; that will encourage a shallow root system that does more harm than good. Instead, give the lawn a nice long soak (30 minutes' worth), at which point it should be good for another month.

Tip #2: Fertilize less frequently
Fertilizer companies recommend as many as five applications a year, but many lawns can thrive with no more than two annual applications. Memorial Day and Labor Day are the ideal times to fertilize (a bit earlier in the Deep South). If you fertilize only once, do it in September using fall fertilizer. Most high-quality products contain slow-release nitrogen, which promotes growth in the spring. "Manufacturers have made it pretty mistake-proof," says Frank Rossi, a turf expert at Cornell University. "If you buy a product that says 'lawn fertilizer,' chances are it will have the right mix of ingredients."

Tip # 3: Let the grass grow a bit longer

You probably know that cutting grass too short can compromise root development, but the long-held rule that you should never remove more than one third of the blade's total height has come under scrutiny. "It was inspired by research conducted in the 1950s by scientists at the U.S. Department of Agriculture who were evaluating Kentucky bluegrass as a forage grass," says Rossi. Most domestic grasses can thrive with 50 percent or more of the blade removed, therefore, you can let the lawn grow to about 5 inches before mowing. That might result in a shaggier lawn than you're used to, but it will reduce mowing frequency by about 25 percent. Because most mower decks have notches, not inches, setting the right height often involves trial and error. Adjust the deck a notch at a time.

Tip # 4: Mulch, don't bag

As interest in eco-friendly lawns continues to grow, the lawn-mower bag is becoming less necessary. "Ninety-nine percent of the time you're better off mulching," says Rob Golembiewski, turf-grass specialist at Oregon State University. In addition to saving time, mulching (discharging finely cut clippings back onto the turf instead of bagging them) returns nutrients to the soil, reducing your lawn's fertilizer needs by roughly 33 percent. One of the few times you need to bag clippings is when the lawn has gotten very long, usually after an extended rainy spell or a long vacation. If that happens, consider composting the clippings. You should also bag clippings during a lawn-disease outbreak, in which case they might need to be taken to the landfill instead of being added to your compost pile.

Tip #5: Live with certain weeds and pests
You might not love the look of dandelions, but they don't actually harm the lawn, and their penetrating taproots might even improve the soil structure. But you should probably cut off the heads before they go to seed. Clover, which takes nitrogen from the air and feeds it to the soil, also has benefits. Things such as moss and creeping Charlie should be left alone because they thrive in moist, shady areas where grass is unlikely to grow anyway. Other lawn problems are worth trying to eliminate. Crabgrass, for example, usually dies off at the first frost, promoting soil erosion. You might try corn-gluten meal, an organic alternative to chemical herbicides. Grubs, small beetle larvae that live in the soil and feed on grass roots, can devastate a lawn, so it's worth consulting with a professional about preventive measures, especially if you've had problems in the past. And remember that thick turf is always the best defense against lawn problems, so seed bare spots to help build up turf.

Tip #6: Give low-maintenance grasses a look
Instead of purchasing whatever seed mix is on sale, consider investing in one of the newer slow-growth, drought-resistant species. Fine fescues, including creeping red, chewings, and hard, all qualify as low- maintenance. But fine fescues don't tolerate traffic well, so if your lawn doubles as a Wiffle Ball field, consider tall fescue. It does better underfoot but is susceptible to damage from ice cover. Just remember that slow-growth fescues will take a bit longer to get established, so you'll need some patience. You'll also find plenty of shade-resistant options, though trying to establish turf under the thick foliage of a maple or other shade tree can be a waste of time.

For more information, visit www.greenerchoices.org.

Published with permission from RISMedia.


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New Timelines for Short Sales to Help Add Transparency, Expedite Decisions

April 23, 2012 5:12 am

In an effort to make the short sale process more transparent, Freddie Mac is updating its timelines and also requiring servicers to provide weekly updates when decisions take more than 30 days after the receipt of a complete application for a short sale under the Obama Administration's Home Affordable Foreclosure Alternative (HAFA) initiative or Freddie Mac's traditional requirements. All decisions must be made within 60-days. 

This announcement marks the newest part of the Servicing Alignment Initiative (SAI) Freddie Mac and Fannie Mae launched in 2011 at the direction of their regulator, the Federal Housing Finance Agency, to set consistent servicing and delinquency management requirements. Last year Freddie Mac completed 45,623 short sales, a 140 percent increase since the housing crisis began. 

Details of the program include:
• Freddie Mac's new short sale timelines require servicers to make a decision within 30 days of receiving either 1) an offer on a property under Freddie Mac's traditional short sale program or 2) a completed Borrower Response Package (BRP) requesting consideration for a short sale under HAFA or Freddie Mac's traditional short sale program. (BRPs are standardized assistance applications developed as part of the Servicing Alignment Initiative.)
• If more than 30 days are needed, borrowers must receive weekly status updates and a decision no later than 60 days from the date the complete BRP is received. This will help servicers who may need more time to obtain a broker price opinion or a private mortgage insurer's approval on a BRP or property offer.
• In the event a servicer makes a counteroffer, the borrower is expected to respond within five business days. The servicer must then respond within 10 business days of receiving the borrower's response.
• Freddie Mac will use the new timelines to evaluate servicer compliance with the SAI and its own servicing requirements.
• Freddie Mac completed 45,623 short sales in 2011, a 140 percent increase since 2009. Overall, Freddie Mac has also helped more than 615,000 distressed borrowers avoid foreclosure since the housing crisis began.

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Fixed Mortgage Rates Edge Slightly Higher

April 23, 2012 5:12 am

Last week, Freddie Mac released the results of its Primary Mortgage Market Survey® (PMMS®), showing average fixed mortgage rates holding relatively stable this week amid signs that inflation remains in check with the 30-year fixed up slightly at 3.90 percent and 15-year fixed at 3.13 percent. Meanwhile, the average 5-year ARM hit a new all-time low of 2.78 percent, from its previously low of 2.80 percent set the first week of February, 2012. 

Details include:
 
• 30-year fixed-rate mortgage (FRM) averaged 3.90 percent with an average 0.8 point for the week ending April 19, 2012, up from last week when it averaged 3.88 percent. Last year at this time, the 30-year FRM averaged 4.80 percent.
• 15-year FRM this week averaged 3.13 percent with an average 0.7 point, up from last week when it averaged 3.11 percent. A year ago at this time, the 15-year FRM averaged 4.02 percent.
• 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.78 percent this week, with an average 0.7 point, down from last week when it averaged 2.85 percent. A year ago, the 5-year ARM averaged 3.61 percent.
• 1-year Treasury-indexed ARM averaged 2.81 percent this week with an average 0.6 point, up from last week when it averaged 2.80 percent. At this time last year, the 1-year ARM averaged 3.16 percent.
According to Frank Nothaft, vice president and chief economist for Freddie Mac, "Fixed mortgage rates held relatively stable this week amid signs that inflation remains in check. Industrial production was flat in March, a reading below the market consensus forecast. Meanwhile, both headline inflation gauges (the consumer and producer price indexes) for March were in line with market expectations."

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Leading Economic Index for U.S. Increases

April 23, 2012 5:12 am

The Conference Board Leading Economic Index for the U.S. increased 0.3 percent in March to 95.7 (2004 = 100), following a 0.7 percent increase in February, and a 0.2 percent increase in January.
 
Says Ataman Ozyildirim, economist at The Conference Board: "The LEI increased for the sixth consecutive month, pointing to a more positive outlook despite subdued consumer expectations and weakness in manufacturing new orders. Moreover, the six-month growth rate of the LEI continues to improve. The CEI, a measure of current economic conditions, has also increased in five of the last six months, with broad based gains in all components." 

Says Ken Goldstein, economist at The Conference Board: "Despite relatively weak data on jobs, home building and output in the past month or two, the indicators signal continued economic momentum. We expect a gradual improvement in growth past the summer months." 

The Conference Board Coincident Economic Index® (CEI) for the U.S. increased 0.2 percent in March to 104.2 (2004 = 100), following a 0.2 percent increase in February, and a 0.1 percent increase in January.
The Conference Board Lagging Economic Index® (LAG) increased 0.3 percent in March to 114.4 (2004 = 100), following a 0.1 percent increase in February, and a 0.6 percent increase in January.

Published with permission from RISMedia.


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Stay Safe at the ATM

April 20, 2012 5:08 am

A quick trip to the ATM has become a routine part of the average American’s daily activities. However, the American Bankers Association reminds ATM users to put safety first in order to avoid becoming the victim of a crime.

To ensure customer safety at ATMs, most banks place ATMs in areas that are visible by passers-by, trimming landscape to prevent potential criminals from hiding, and installing or upgrading lighting that is bright enough for use at night. Some banks have also installed cameras, rear-view mirrors, panic buttons and special signs. And most banks limit the amount of cash that can be withdrawn on a daily basis.

According to the ABA, bank customers should always use common sense when using an ATM. These tips are a start, but the best advice is simply not to use an ATM if you feel at all uncomfortable doing so. ATMs provide convenience, buy they haven't replaced the bank teller. If you prefer, conduct your business in the bank lobby.
  • Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.
  • Have your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.
  • Be careful that no one can see you enter your PIN at the ATM. Use your body to "shield" the ATM keyboard as you enter your PIN into the ATM.
  • To keep your account information confidential, always take your receipts or transaction records with you.
  • Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.
  • If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.
When using an ATM at night:
  • Park close to the ATM in a well-lighted area.
  • Take another person with you, if at all possible.
  • If the lights at the ATM are not working, don't use it.
  • If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.
Source: ABA Education Foundation

Published with permission from RISMedia.


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Put Painting Your Home at the Top of Your Spring To-Do List

April 20, 2012 5:08 am

As the springtime weather shifts from messy to mild, every homeowner's attention turns to the out of doors. It's time to clean things up, tend to the garden, and make needed repairs to both the home and its surroundings. Where to start? Assuming that your exterior paint is failing, it's best to focus on that first, says Debbie Zimmer, director of Communications and Alliances for the Paint Quality Institute.

There are plenty of good reasons to start spring chores with exterior painting. First, spring is a very comfortable time to do outdoor painting. Second, it's smart to paint before putting down mulch, which along with your plants, will just get trampled if you paint later on. Third, why not get your painting done before more pleasant distractions like gardening, sports, and barbecues begin?

If your house paint is near the end of its life expectancy, you're taking a chance by postponing repainting. It doesn't take long for exposed wood to begin to rot, and other types of exteriors also suffer when the paint wears off. Wait too long and you may have to make repairs before starting to paint.

Another reason to get to your painting first: Exterior latex paint forms the most durable, protective finish when the weather is mild. It's always best to do exterior painting when the temperature is above 50 degrees F., but not too hot. Very hot days can cause the paint to dry too quickly and impair good paint film formation. By painting in moderate weather, you'll likely get a longer-lasting paint job.

Zimmer recommends hiring a professional painter who knows the best times to paint and what types of weather conditions to avoid. A professional painting contractor also has the industry knowledge to know how to prep the work surface properly and is educated on the type of products to use. Relying on an educated, professional painting contractor helps eliminate surprises and ensures you have a finished product you can be proud of.

Once you've finished your exterior painting project, you can turn your attention to the other things on your to-do list. What's more, you'll have peace of mind knowing that you've "invested" in your biggest investment – your home.

Source: blog.paintquality.com

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Guidelines for First-Time Investors

April 20, 2012 5:08 am

Whether it’s for a down payment for a home, college tuition or a retirement nest egg, investing in the future is a wise financial decision. The two most pressing questions are, understandably, “How much can I afford to save?” and “What is the best way to make my money grow?”

Financial experts agree that long-term investing is the surest way to build savings—and also that you do not need a lot of money to get started. What is critically important, however, is that you save on a consistent basis.

There are classes you can take, books you can read, and experts you can consult in order to learn the finer points of investing. To begin with, however, there are three fundamental steps you must take:
  1. Determine your savings goals. You need to know what your savings goals are in order to figure out how to get there. Let’s say you want to retire at age 65 with the same standard of living you have now. You can find retirement calculators online to help you determine how much money you will need in order to reach that goal.
  2. Evaluate the stock market. Guaranteed investments and savings bonds are great for reaching short-term goals. They generally return about 2-5 percent at best. But if you have some time to reach your goal, investing in the market will likely be your best approach. Averaged out over the last 25 years, despite some trying times, DOW returns have paid around 9 percent or 10 percent. Here’s the difference: Over 25 years, a $10,000 investment at a 3 percent rate of return will grow to $26,000. A 9 percent return will give you $86,000.
  3. Understand that time is money and plan accordingly. For saving money to be successful, it must be approached as a long-term plan—there are no get-rich-quick plans that really work. Therefore, it makes sense that the earlier you start to save, the more money you will have at retirement. In these scenarios, assume a 10 percent rate of return compounded annually:
    • Begin investing $100 per month at age 30 until you reach age 65. At that point, you will have about $345,000 in investments. You will have put in $42,000 over the 35 year span. The other $303,000 is from the growth of your money over time.
    • Begin the same $100-per-month saving plan at age 20. At age 65, you will have about $916,000. You will have invested $54,000. The other $862,000 is from the growth of your money over time.

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REALTORS Raise Fair Housing Awareness in Local Communities

April 19, 2012 5:06 am

As the leading advocate for homeownership and housing issues, the National Association of REALTORS® joined the nation in honoring Fair Housing Month this April.

This year marks the 44th anniversary of the 1968 landmark Fair Housing Act, which prohibits discrimination based on race, color, national origin, religion, sex, familial status or handicap. NAR also supports equal opportunity on the basis of sexual orientation, incorporating that support into the REALTOR® Code of Ethics.

NAR’s Equal Opportunity and Cultural Diversity program offers REALTORS® education, grants, programs and events related to fair housing and diversity. Various grants help REALTOR® associations play leadership roles in their communities through three initiatives; diversity, smart growth and housing opportunity grants. These grants help associations and their members reach out to and better serve today’s diverse clientele.

NAR also offers several training courses for REALTORS® and REALTOR® associations. The At Home with Diversity® course addresses the topics of diversity, fair housing and business planning development in a full-day certification course. NAR’s Employer-Assisted Housing Class gives REALTORS® tools to work with local employers, helping them implement employer-assisted housing benefits to help employees become homeowners. Leading with Diversity is a workshop for local REALTOR® associations that helps bring more diversity to the leadership of the REALTOR® community.

Other courses touch on affordable housing opportunities, as well as the benefits of smart growth communities and how to help communities adopt a smart growth strategy.

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What is your Digital Personality?

April 19, 2012 5:06 am

When it comes to your online habits, are you a Content King or a Social Butterfly? The difference matters to businesses who want to capture your attention on digital devices.

A new IBM study of the media and entertainment market reveals that as consumers adopt an increasing number of digital devices, four distinct new "digital personalities" are emerging. This shift is compelling companies to adopt more innovative business models that deliver personalized experiences.

The "Beyond Digital" study paints a portrait of a rapidly changing audience that is adopting a wide range of digital devices at a dizzying pace. And, contrary to popular belief, most are not college students. For example, 65 percent of respondents aged 55 to 64 report surfing the Web and texting with friends while watching TV. Of those over age 65 watching TV, 49 percent surf the Web and 30 percent are texting. Eighty-two percent of surveyed global consumers aged 18 to 64 are embracing connected digital devices.

Today’s connected consumers demand instant access to personalized content on their own terms. With the growth of digital devices, one-way communication and distribution of content is no longer feasible. According to the IBM study, most users fall into one of four emerging personality categories:
  • Efficiency Experts: With 41 percent in this category, these respondents use digital devices and services to simplify day-to-day activities. Efficiency experts send emails rather than letters, use Facebook to communicate with others, access the Internet via mobile phones, and shop online.
  • Content Kings: Are generally male consumers, who frequently play online games, download movies and music, and watch TV online. This audience represents 9 percent of the global sample.
  • Social Butterflies: Place emphasis on social interaction – they require instant access to friends, regardless of time or place. Fifteen percent of consumers surveyed reported they frequently maintain and update social networking sites, add labels or tags to online photos, and view videos from other users.
  • Connected Maestros: 35 percent of those surveyed take a more advanced approach to media consumption by using mobile devices and smartphone applications to access games, music, and video or to check news, weather, sports, etc.
According to the IBM study, media and entertainment companies' payment infrastructures need to be flexible and scalable to allow a variety of innovative pricing approaches to attract consumers with different preferences to their content. The need for payment option flexibility, even for the same set of consumers, is apparent by looking at those most active in adopting new devices. This group's preferred mode of payment to watch a movie on a website is by viewing advertising that is included with the movie (39 percent of this segment chose this option), while they prefer to see movies on a tablet by purchasing a subscription (chosen by 36 percent). But to watch movies on a smartphone, they prefer to pay per use (the payment choice of 36 percent).

IBM surveyed 3,800 consumers in six countries – China, France, Germany, Japan, the United Kingdom and the United States for this study, and also met with global representatives in broadcasting, publishing, as well as media service agencies, and telecommunication providers, to evaluate digital consumption behaviors.

Published with permission from RISMedia.


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