Jane Cheetham - RE/MAX Acclaim



Posted by Jane Cheetham on 8/13/2019

Stress is something that many people today have adopted as a normal part of life. A stressful lifestyle can promote many diseases and other harmful things to your health. It may be normal for most, but it doesn't have to be a part of your everyday life. 

Here are five ways you can manage stress in your life:

  1. Meditate. It's easy to become so caught up in the things we are doing or need to do, that we forget to be present where we are. Start by sitting or lying down in a quiet area. Close your eyes and breathe naturally without the urge to control your breath. Begin to focus on the rise and fall of your breath and release any negative thoughts you may have. Meditating for 15 minutes each day can help you to calm your mind and start each day mentally rested.
  2. Exercise. You don't have to join the local CrossFit gym to fit in a workout. Exercising could be simply going for a walk each afternoon to wind down from the day's activities or practicing yoga each morning before you get ready for work. Choose an activity that is enjoyable and gets your heart rate up.
  3. Eat healthy, well-balanced meals. Food has a lot to do with the way your body reacts to stress. During a busy day, the last thing your body needs is another cup of coffee. Caffeine can cause you to become more stressed by giving you a temporary lift only to leave you down and agitated later. Replace your afternoon cup of caffeine with a cup of herbal tea. Also, fill your meals with fruits and vegetables rather than processed foods.
  4. Take a break. If there is something or someone who is continually triggering stress into your life, permit yourself to walk away for a while. For example: If you're overwhelmed with the pile of bills that needing payment, walk away and come back to the task when you're relaxed. Nothing works to our benefit when we're stressed out doing it.
  5. Share with someone. A lot of freedom can happen when we share how we're feeling with someone we trust. If you find yourself getting overwhelmed over a situation, pick up the phone and call a close friend. If you find yourself chronically stressed, consider seeing a professional counselor who can guide you through other methods of managing. 

Stress takes so much out of us mentally, emotionally, and even physically. Take back your life by reducing your stress and focusing on your health.




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Posted by Jane Cheetham on 8/6/2019

Buying a home will likely be the most important and expensive purchase you ever make. And, although that might seem like a scary commitment, it’s one well worth it. It’s an investment in your future. There are many benefits or perks that come with owning a home.

Equity: Owning your own home typically comes with gaining equity. Every month that you pay your mortgage, you are increasing your equity. And as long as the market continue upwards, your home and the equity you’ve gained will hold significant value.

Privacy: Privacy is a large perk of owning your own home. This is more so possible when owning a single-family home in a rural location, but many duplexes and condos also provide opportunities for privacy. And in many cases, since you own the home,you can put up your own privacy such as planting arborvitae trees along your properties edge.

Tax Advantages: One of the biggest perks when owning a home is the ability to deduct mortgage interest on your federal income taxes. This will be a significant amount for the first few years of your mortgage, making this a huge benefit. Although, the amount of interest paid decreases over the years, there will still be deductible interest paid in the last few years of your mortgage.

Space: Houses will almost always provide you with more space than an apartment—and it will certainly have more space than your childhood bedroom. The space will be all yours, which means not having to share with other renters or your parents. Of course, home location and the market come into play here, but for the most part you will get more square footage for your money—as landlords charge high rents to cover things like water, electricity, snow removal, or still charge high rent prices and do not cover any of those other expenses.

No restrictions: There are many restrictions that come with renting or living in a condominium. These restrictions could include no pets, parking restrictions, outdoor updating restrictions and many other different types of constraints. When you own your own home, you make the rules. If you want to put up a fence, you can. And if you want to put an addition on your house, you can do that too. Just be sure to check with your town before beginning any construction projects.

Establishment: Buying a home provides you the ability to set down roots, to be established. Although, not a benefit to some, it is to many. Buying a home provides you with ownership and a sense of freedom. You now have the opportunity to invest in something that is yours. You can make updates to the bathrooms, add a pool in the backyard, and paint the front door any color you want—because it’s yours.

A home is often the foundation of one’s life and who can deny its appeal with these perks discussed above? So, what are you waiting for? Start your search today!




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Posted by Jane Cheetham on 7/30/2019

Purchasing a house may prove to be a long, complex process, particularly for a first-time buyer. Fortunately, there are several things that you can do to streamline the process of going from homebuyer to homeowner.

Now, let's take a look at three tips to help you enjoy a quick, easy homebuying journey.

1. Narrow Your Search for Your Dream Home

It often helps to enter the real estate market with a checklist of home must-haves and wants. With this checklist, you will be better equipped than ever before to perform a deep evaluation of any house, at any time.

Think about what you want to find in your dream home and include these criteria in your checklist. For instance, if you want to own a house near your office, you can search for houses that are just a few miles from your workplace. Or, if you want to purchase a house with a big backyard, you should look at houses that offer the space that you need.

2. Submit a Competitive Offer

If you find a house that you want to buy, there is no need to wait to submit an offer. However, it is important to differentiate between a "lowball" offer and a competitive one beforehand.

A lowball offer generally fails to account for the state of a house, as well as the current real estate market's conditions. It is likely to fall short of a home seller's expectations, and as a result, lead to an immediate "No."

Conversely, a competitive offer is based on housing market data, along with the condition and age of a house. And if you submit a competitive offer on a residence, you may receive an instant "Yes" from a home seller.

3. Conduct an In-Depth Home Inspection

After you and a home seller agree to terms, you will want to conduct a comprehensive home inspection. This will enable you to fully examine a house's interior and exterior and identify any potential home problems before you finalize your purchase.

When it comes to buying a home, there is no need to forego a home inspection. In fact, if you bypass a home inspection, you risk encountering costly, time-intensive home problems in the near future.

To hire an expert home inspector, perform a search of the available inspectors in your city or town. Then, meet with several home inspectors, ask for client referrals and allocate the necessary time and resources to perform an in-depth assessment. Because if you hire the right home inspector, you can get the support that you need to make an informed home purchase.

Lastly, if you need help finding a home inspector or completing other homebuying tasks, it usually is a good idea to employ a real estate agent. This housing market professional will learn about your homebuying goals and tailor your home search accordingly. As a result, working with a real estate agent will increase the likelihood that you can enjoy a quick, easy homebuying journey.




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Posted by Jane Cheetham on 7/23/2019

Planning important purchases like your first new car or home are significant steps in life. While the purchase itself is a thrill ride, lack of planning may end up in buyer's remorse. To avoid such a pitfall, you need to impart a few guidelines around those larger purchases to protect yourself from disappointment or frustration later. Taking stock of your financial goals and your current situation can clear the way to confidence when shopping for your dream car, home, or other more significant purchases.

Plan, Plan, Plan

Having a written spending plan that you can use to guide your decisions gives you a snapshot of where you are currently. Laying out a 6-12-month plan for your income and expenses will allow you to determine when you start shopping or even, make an offer on something. Remember a plan is only as good as the information you have, so make sure you keep yourself up to date on all aspects of your financial life. This includes retirement accounts, debts, interest rates on those debts, any fluctuation in income, and any possible changes in your cost of living expenses (rent, insurance rates or gas prices). Any of these things have the potential to delay or accelerate your purchase. When you are elevating larger purchases, remember the monthly payment is not the only expense associated with the purchase. 

The Big Picture for Housing Expenses

When it comes to purchasing a home, it may be a bit more complicated. You will need to ask for information from those in the real estate and mortgage industry to get the information you need to see the big picture. Again, the monthly payment is not the only thing you will be paying each monthly, especially if you are currently a renter. Knowing what expenses, you will be taking on is essential. Besides the money you will need to purchase a home initially there are other increases to your monthly expenses as a homeowner. Home owner's insurance is more expensive than renter's insurance; make sure your spending plan adjusts accordingly. You will want to think about your commute to work if you have one, you may want to budget more for gas if your trip to work will be longer from your new address. Sometimes the utility costs will be lower especially if you are buying an energy efficient or more modern home.

Home buying, when you have processed all the information and are confident financially, is an exciting adventure. When you reach that point, contact a real estate professional that knows the community where you want to live.




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Posted by Jane Cheetham on 7/16/2019

Applying for a mortgage may seem like a long, stressful process at first. Fortunately, we're here to help you take the guesswork out of submitting a mortgage application.

Now, let's take a look at three tips to help you streamline the mortgage application process.

1. Ask Questions

A bank or credit union likely will ask you to provide a wide range of information as part of the mortgage application cycle. And as you complete a mortgage application, you may have questions along the way too.

Remember, a lender is happy to help you in any way possible. If you ever have concerns or questions as you complete a mortgage application, you should reach out to a lender for expert support. That way, you can reduce the risk of potential problems down the line that otherwise could slow down the mortgage application process.

Even a single mistake on a mortgage application may prevent you from getting a mortgage. Perhaps even worse, a delayed mortgage application may force you to miss out on an opportunity to acquire your dream house. But if you reach out to a lender as you complete your mortgage application, you can gain the insights you need to quickly and effortlessly finalize the necessary documentation to obtain a mortgage.

2. Be Thorough

A mortgage application may require you to look back at your financial and employment histories and provide information that a lender will use to determine whether to approve or deny your submission. Meanwhile, you should be ready to provide a lender with any requested information to ensure a seamless application process.

As a homebuyer, it is your responsibility to include accurate information on your mortgage application. In fact, failure to do so may cause a lender to reject your mortgage application. If you allocate the necessary time and resources to dot every I and cross every T on your mortgage application, you can boost the likelihood of a fast approval.

3. Shop Around

For homebuyers, it is crucial to check out all of the mortgage options that are available. If you meet with a variety of banks and credit unions, you can review myriad mortgage options and select a mortgage that complements your finances.

Banks and credit unions generally provide a broad array of fixed- and adjustable-rate mortgages. If you learn about all of the mortgage options at your disposal, you can find one that enables you to purchase your dream house without breaking your budget.

Of course, once you are approved for a mortgage and are ready to launch your house search, you may want to hire a real estate agent as well. A real estate agent will offer plenty of guidance at each stage of the homebuying journey. In addition, a real estate agent can make it easy for you to find a top-notch residence at a budget-friendly price in any housing market, at any time.

Start the mortgage application process today, and you can move one step closer to acquiring your dream residence.




Tags: Buying a home   Mortgage  
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