The Jeanne & Dan Team's Blog

The Jeanne & Dan Team

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Displaying blog entries 11-20 of 28

Spring Tips To Keep Your Home In Good Condition and Looking Great!

?Clean and repair gutters and down spouts

 

?Replace missing or broken roof shingles

     and check for leaks

 

?Prune and trim back shrubs and trees

 

?Air Conditioner-have units serviced and cleaned

     and change filters

 

?Paint exterior surfaces as needed

 

?Check outdoor faucets and garden hoses

 

?Service mowers and lawn equipment

 

?Weed and Feed lawn

 

?Change batteries in CO2 and smoke detectors

 

?Dryer vent-clean out lint and check connection

 

?Call Jeanne & Dan team for real estate needs

 

?Home Pest Inspection

 

 

Laughter is the best medicine.

 

Laughter is the best medicine.

The benefits of a belly laugh
No matter why you are giggling, studies have shown that a laugh will do you good. Laughter helps you deal with a variety of maladies including the stress of daily life. The benefit of laughter on your health is no joke. A sense of humor can't cure all ailments, but data is mounting about the things that laughter can do.

Short-term benefits
A good laugh has great short-term effects. When you start to laugh, it doesn't just lighten your load mentally, it actually induces physical changes in your body, beginning with your face.

Laughter can:
    Stimulate your organs.  Laughter enhances your intake of oxygen-rich air, stimulates your heart, lungs and muscles, and increases the endorphins that are released by your brain.
    Activate your stress response.  A rollicking laugh fires up and then cools down your stress response, and increases your heart rate and blood pressure. The result? A good, relaxed feeling.
    Soothe tension and tummy aches.  Laughter can ease digestion and stimulate circulation which helps reduce some of the physical symptoms of stress.

Long-term effects
Laughter isn't only good for a quick pick-me-up, it's also good for you over the long haul.

Laughter may:
    Improve your immune system.  Negative thoughts manifest into chemical reactions that can affect your body by bringing more stress into your system and by decreasing your immunity. In contrast, positive thoughts actually release neuropeptides that help fight stress and potentially more serious illnesses.
    Relieve pain.  Research increasingly shows that laughter may ease pain by causing the body to produce its own natural pain killers.
    Increase personal satisfaction.  Laughter can also make difficult situations a little bit easier.

How to have or gain a sense of humor
Are you afraid you have an underdeveloped or nonexistent funny bone? Developing or refining your own particular sense of humor may be easier than you think.
    Put humor on your horizon.  Find a few simple items, such as photos or comic strips that elicit a chuckle from you or others. Then hang them at home, in your office or even on the visor of your car.
    Laugh and the world laughs with you.  Develop a sense of humor about your own situation, and watch your stress begin to fade away.
    Think positive.  Look for the positive or the humorous in every situation, and surround yourself with others who do the same.
    Knock-knock.  Browse through your local bookstore or library's selection of joke books to get a few rib-ticklers in your repertoire that you can share with friends.

Laughter is the best medicine
Go ahead and try it. Turn the corners of your mouth up into a smile and then give a laugh, even if it feels a little forced. Once you've had your hearty chuckle, take stock of how you feel. Are your muscles a little less tense? Do you feel more relaxed or buoyant? That's the natural wonder of laughter at work.
Source: mayoclinic.com

FORECLOSURES

Looming Threat For Some, Lucrative Opportunity For Others

More Americans are facing the prospect of losing their homes to foreclosure, according to a report from RealtyTrac, an online marketplace for foreclosure properties. The company's latest U.S. Foreclosure Market Report, released in November 2007, showed a rate of one foreclosure for every 196 households during the third quarter 2007--a 30% increase from the previous quarter and an increase of nearly 100% from the third quarter of 2006. During the first six months of 2007, more than 925,000 properties had entered some stage of foreclosure--up 55% over the same period in 2006.

James J. Saccacio, chief executive officer of RealtyTrac, said, "Although not all areas are being hit as hard as others, the rise in foreclosures is quite widespread, with 45 out of the 50 states documenting year-over-year increases in the third quarter."

While the foreclosure rate is expected to remain elevated above historic levels in the coming months, not all mortgage resets will end in foreclosure. In testimony given to the House Committee on Financial Services last November, U.S. Under Secretary for Domestic Finance Robert K. Steel said, "Some homeowners will be able to afford their new payments without trouble and many others will qualify for refinanced, fixed-rate mortgages on their own."

Others, Steel acknowledged, have stretched too far beyond their means, and for them, foreclosure is a possibility. "A third group of homeowners facing resets fall somewhere in the middle. The challenge is for lenders to identify the homeowners in this middle group, who with a bit of assistance can stay in their homes," said Steel.

HOME HEALTH AND SAFETY QUICKCHECK

HOME HEALTH AND SAFETY QUICKCHECK

 
Plan

Most of us schedule an annual personal physical with our family doctor. When you consider the amount of time your family spends at home, it makes total sense to give your home an annual physical as well. HouseMaster has prepared a list of some basic healthy house issues to assist you in performing your home’s physical. Set aside some time to review the following:

  • Humidifiers/Dehumidifiers. Humidifiers add moisture to house air and are typically needed when a warm air heating system is operational. Dehumidifiers remove moisture from the air and are typically used in basements or crawlspace areas.

    • Both of these moisture control devices should be checked regularly during usage periods.
    • Check to make sure there is no leakage or overflowing of water onto the heating system and all drain lines properly dispose of the water.
    • Some dehumidifiers have to be manually emptied. If this is inconvenient, replace with a unit with an automatic shut-off or drain.
    • They should be thoroughly cleaned before or after seasonal use, and as needed otherwise. Remove any slime buildup with a water/bleach solution or use the cleaning agents recommended by the manufacturer.


  • Alarms/Detectors. Check all safety and security alarms regularly; replace older alarms (after five years or as otherwise recommended by the manufacturer):

    • Smoke/Fire Alarms. These are your family’s first line of defense/warning in the event of a fire/smoke emergency. Change the batteries in all of your smoke/fire alarms at least annually. Set a regular date when all are changed each year.
    • CO Monitors. Carbon Monoxide is odorless and colorless. A CO detector is the only way to identify elevated levels of CO in your home before physical injury occurs. If you don’t have CO monitors protecting your home from this toxic gas, you should act immediately and install them in strategic locations near the sleeping areas and other points recommended by the manufacturer or local officials. Check that presently installed units are operational.
    • Radon Testing. Check with your local municipal building department and inquire if radon gas is a community health threat. If it is, you should test your home for the presence of this invisible, odorless gas.
    • Security Systems. All too often homeowners disengage their security alarm to avoid nuisance calls. This puts them at a security risk. If this is the case in your home, check with an alarm company to see if other options are better suited for your family.


  • EMERGENCY PREPARATION. Prepare these essential items for routine activities or emergencies:
    • First Aid Kit
    • Family Contact List
    • House Equipment Maintenance Information
    • Babysitter Information
    • Emergency Evacuation Kit
    • Medial and Financial Records

Remember, these tips are only general guidelines. Since each situation is different, contact a professional if you have questions about a specific issue.

2008 Simplify Your Life Checklist

Were you one of the 10 million Americans who were a victim of identity theft in 2007? If not, you’re really lucky, because the personal loss figure is estimated at a minimum of $5 billion dollars. Eve Abbott, renowned author, tells you exactly what personal identity theft will cost you, and how to safeguard your identity for the future.

Secret Service case reviews find that the median actual loss for individual victims is $31,356.00. U.S. businesses and financial institutions lost at least 50 billion dollars to fraud and identity theft last year alone. ID Theft is the most exponentially growing crime worldwide.

I guarantee if you take advantage of the following “2008 Simplify Your Life Checklist,” that you will not only be more productive, you will enjoy an improved quality of life as well.

• To opt out of several mailing lists at once, contact: the Direct Marketing Association’s Mail Preference Service at PO Box 643, Carmel NY 10512 or fill out their online form here:
http://www.dmaconsumers.org/consumerassistance.html

• For severe junk mail infestation contact: http://www.41pounds.org/ and sign up for 5 years of protection for just $41.00. They donate more than 1/3 of your fee to environmental or community organizations of your choice.

• “Do Not Call” Listing: Register your phones at https://www.donotcall.gov or by calling (888) 382-1222.

• Social Security: Review your Earnings and Benefits Statement carefully for errors once a year. Order a free copy by calling (800) 772-1213. You will also spot if someone else is using your SSN—a favorite step by undocumented foreign nationals.

• Credit Ratings and Credit Fraud: Reduce the number of pre-approved credit offers you get by requesting these three bureaus remove your name from their lists: Experian (800) 353-0809 Equifax (800) 219-1251 TransUnion (800) 241-2858.

• Every quarter, carefully check your free credit report from one of the three credit bureaus by contacting the only authorized source at www.annualcreditreport.com OR by calling (877) 322-8228.

• Opt Out of ‘Prescreened’ Credit Offers: Go to www.optoutprescreen.com or call (888) 567-8688 to protect yourself, elderly family members, and college-aged kids from solicitations of creditors. This improves your credit rating, too!

• Government Agencies: Birth, Marriage, Home Purchase, & Death: Public records of all our major life events are sold to advertisers. Call the largest dealer, Acxiom, at their Consumer Advocate Hotline (877) 774-2094. OR go to www.acxiom.com and hit the ‘Contact Us’ link to request an opt-out form.

---Source: Edited excerpts from Eve Abbott’s “How to Do Space Age Work with a Stone Age Brain” book. She can be reached via her web site at www.ABrainNewWaytoWork.com.

Foreclosures and Short Sales

Are You Facing Foreclosure?  A Short Sale May Be A Way Out.

You may have other options, and you may be able to salvage your credit reputation!  If you are behind on payments and worried about foreclosure, get help!  Doing nothing at all is the worse decision one can make. 

Go to www.shortsale-foreclosureguide.com for help and information. 

There are eight reasons a short sale may help you. A short sale may:
  1. Preserve your credit standing
  2. Enable you to sell your home without having to pay anything out-of-pocket.
  3. Eliminate negative cash flow
  4. Reduce your tax liability
  5. Avoid potential foreclosure
  6. Release you from your mortgage obligation
  7. Avoid possible bankruptcy
  8. Relieve financial / emotional stress.
By answering a few questions, we can determine if a short sale is an option. Call for a free no-obligation consultation, and let’s see if a short sale might provide a solution.
The Jeanne & Dan Team
304-876-2433
Shortsale-foreclosureguide@mris.com
 

Happy Mortgage, Happy Home

When you have found the perfect home, the search for the perfect loan begins. There are other factors you should consider besides the interest rate and loan fees when you are shopping for a loan. One important issue is the lender's general reputation.

A professional real estate agent can provide you with the names of several mortgage lenders and can help you compare their programs. Some lenders may have great rates, but may have very conservative standards for qualifying customers. Others may be more willing to consider people who are marginally qualified or have less-than-perfect credit histories. Some lenders have local underwriters and can process loans quickly, while others may need extra time to process paperwork. The ordinary consumer deals with only a few mortgage lenders over a lifetime, but real estate agents deal with many lenders every month. Ask your agent to help you match your individual needs to the many offerings in this complicated marketplace. 

 For more information about home mortgages and real estate, log on at www.WVRealEstatePros.com

HOT CRAB DIP RECIPE

This delicious, addictive hot dip will have your family begging for more.  Serve it as an appetizer for just about any occasion.

Many of our Friends who attended the Holiday Party have asked for Jeanne’s Hot Crab Dip

recipe. We enjoy this dish for just about any occasion and especially during the holidays. So,

here again is Jeanne’s yummy recipe. Enjoy!

1 cup mayonnaise

1 1/2 cups grated cheddar

cheese, divided use

1 1/2 tsp. OLD BAY©

seasoning

1 tsp. Worcestershire

Sauce

1/4 tsp. Dry Mustard

1 pound fresh lump

crab meat

Preheat oven to 350 F. Combine mayonnaise,

3/4 cup cheese, OLD BAY© seasoning,

Worcestershire sauce and mustard; fold in

crab meat.

Spoon mixture into 1-qt. casserole and top

with remaining cheese. Sprinkle with a dash

of OLD BAY© seasoning. Bake 15 minutes or

until mixture begins to bubble around the

edges. Serve with crackers and/or pita crisps.

Serves 8-10.

 

No Table Games In Charles Town, Say Voters

 

 
 
 
 

Voters in Ohio County, West Virginia endorsed plans Saturday to put blackjack, poker and other table games alongside slots at their racetrack, but concerns over too little local tax revenue and too much traffic doomed a similar proposal in Jefferson County, which borders Maryland and Northern Virginia.

With all 30 precincts reporting, Jefferson County voters rejected the table games option for Charles Town Races & Slots 56 percent to 44 percent. The defeat means Pennsylvania-based Penn National Gaming Inc. must wait two years before putting the issue before voters again.

"We are obviously disappointed with the results, but we look forward to continuing to work with state, local and community officials in order to find a way to keep Charles Town Races and Slots competitive as gaming continues to expand in nearby states," said Penn National executive John Finamore.

Kevin McCoy, director of the Christian group West Virginia Family Foundation, was thrilled to hear the Penn National had conceded defeat, calling it "excellent news for the citizens."

"We've said all along that if we could get our messages out through the churches - and we've been doing that - it would carry the day. ... We really feel that we'll be able to carry the day in Hancock and Kanawha counties, as well."

The foundation will begin advertising in those two counties within the next week or so, on television and radio, he said.

The Legislature endorsed a measure this year that allowed voters in four counties to decide if their respective tracks could offer table games as a way to combat the introduction of slots in Pennsylvania. Voters in Hancock County will decide June 30 if Mountaineer Racetrack & Gaming Resort in Chester can offer the games, while Kanawha County considers the issue for Tri-State Racetrack & Gaming in Nitro on August 11.

Ohio County's approval means West Virginia is the 12th state in the nation to have a full-fledged casino with slots and table games. It becomes the second in the nation, behind Iowa, to offer live racing, slots and table games in a single location.

With all 39 precincts reporting, the referendum to allow Wheeling Island Racetrack and Gaming Center to expand its gambling offerings won 66 percent to 34 percent.

West Virginia's industrialized Northern Panhandle has been beset by economic woes including the loss of thousands of steel industry jobs in recent years, and the track's campaign focused on the chance to create new jobs and launch millions of dollars' worth of new construction.

That seemed to resonate with voters.

"Look around," said Lester Raban, gesturing to empty storefronts and nearly deserted streets in Wheeling's downtown. "We don't have anything left. If this is going to bring in 400 jobs, I'm all for it." .

Bob Marshall, Wheeling Island's general manager, said the track will hold two job fairs next week for people interested in working at the track.

"We are going to be in the business of hiring hundreds and hundreds of employees over the next several weeks," Marshall said.

Darrin Wright, pastor of the First Baptist Church in Wheeling, said opponents were "out manned and out financed."

"I hope these folks will be held accountable to the promises they made," he said.

Unlike Ohio County, Jefferson County is not reeling from the decline of the industrial economy, and voters there expressed worries Saturday about the increased possibility of crime and sprawl issues if the track expanded its operations.

Richard Accurso, a Shepherdstown resident who voted no, said gambling is "morally decadent" and the wrong way to fund local schools - a key argument Penn National had made to garner support.

"It does bring in business, as far as that's concerned, and it brings in money. But a house of prostitution brings in money. Is that the proper way to fund our schools?" Accurso said. "It's state-sponsored addiction.

Dave Didden of Shepherdstown also voted on philosophical grounds

"I really think there's enough greed in the world, enough materialism. By creating an environment that promotes greed and the money chase, we're doing our society a disservice," he said. "... This is, by and large, an effort funded by the well-off, who are just trying to make more."

But retirees Wes and Karen Croteau of Bolivar supported the measure, saying the fast-growing and largely residential county needs every dollar it can get for roads, schools and other infrastructure projects.

"If Bolivar doesn't get the money from Penn National, how are we going to get by?" Wes Croteau said. "How many bake sales are we going to have?"

Laurin LeTart, a co-chair of the campaign to pass the measure, said the defeat is painful for people who had worked hard to solicit support.

"The real losers tonight are our schools and our county, which would have gained millions in new revenues from table games, not to mention as many as 500 new jobs," said LeTart, a member of the Jefferson County Schools Education Foundation, which helps raise money for the local schools. 

WBAL Radio and The Associated Press

Better gaming bill unlikely

CHARLES TOWN — Jefferson County voters hoping to get a bigger share of table games revenue by holding out for a different bill from the state Legislature could be disappointed.

State Senate Judiciary Chairman Jeffrey Kessler, D-Marshall, said he very much doubts the Legislature will pass another table games bill. Kessler also said it’s unlikely that Jefferson County would be offered a larger percentage of revenues if the voters turn down the referendum June 9.

“I don’t think you’ll get a better deal later,” he said. “I think this is your one bite at the apple.”

The Legislature tried for years to get both houses to agree on a table games bill, and he said it took a great deal of work for the legislation to pass in the spring. The bill allows counties with racetracks to vote on whether to allow casino-style table games.

The state’s four racetrack counties — Jefferson, Kanawha, Ohio and Hancock — have all scheduled special elections on table games in the next few months. Jefferson and Ohio counties will decide on June 9, while Hancock’s election is set for June 30 and Kanawha’s election day is Aug. 11.

If Jefferson County rejects the referendum and does not allow table games at Charles Town Races & Slots, another election on the issue could take place two years later. But Kessler said the bill will probably stay the same, and the county would be getting the same portion of table games revenue.

“We worked long and hard to craft this legislation,” he said, adding that the bill gives money directly to Jefferson County’s school system because lawmakers considered the area’s unique growth needs. He also said there are a lot of other important issues that the Legislature needs to address in the next few sessions, such as health care and the state’s tax structure.

“I don’t see that there would be room on the table, or an appetite ... to take up (table games) again,” he said.

House Majority Leader Joe DeLong, D-Hancock, and Delegate Locke Wysong, D-Jefferson, each stated similar opinions in recent interviews. They said legislators struggled to gain enough votes for the table games bill, and they didn’t think there would be much support at all for amending the legislation.

However, Delegate John Doyle, D-Jefferson, said he disagrees. Doyle said there is one big reason why he thinks table games will be brought up again: The licenses for video lottery machines need to be renewed in 2010, and that enabling legislation covers video lottery machines, slots and table games.

Because 2008 and 2010 are election years, Doyle said it is very likely that the gaming legislation will be amended in 2009. If table games are rejected in Jefferson County, Doyle said there would be a large incentive for state leaders to make changes to the table games bill while renewing and making changes to video lottery laws.

Doyle thinks Jefferson County should get a higher percentage of revenue from table games, and is urging voters to turn down the referendum to send a message to Charleston and see if they can get a better deal.

“We’re not going to know until we vote this down,” he said, adding that county schools and horsemen should be getting much larger percentages of revenues, especially compared to the large portions that will be sent to the state. If all four racetrack counties approve table games, revenue estimates indicate that Charles Town Races & Slots would generate about half of the state’s table game funding.

Under the legislation, Charles Town Races & Slots will pay a 35-percent tax rate on adjusted gross receipts from table games. Jefferson County Schools will receive 3 percent of the tax revenues, while other funds will be set aside for racing purses, track employee pensions, the state Lottery Commission and the State Debt Reduction Fund.

Doyle said he did vote in favor of the bill in March, and he said he is opposing it now because it does not offer enough for Jefferson County. Doyle said Kessler and other Northern Panhandle leaders urged him to support the table games legislation because racetracks in Ohio and Hancock counties need a chance to help that area’s sluggish economy.

Besides Doyle, another table games opponent also thinks Jefferson County should receive a higher percentage of funding. Linda Hoffman, a Jefferson County school service personnel employee, said she thinks Charleston leaders would reconsider legislation because of the amount of money the state would be losing.

“If we reject it because we say this is not a good deal ... it’s in (the Legislature’s) best interest to try again,” she said. Hoffman added that she thinks the state would try to do everything possible to appease Jefferson County voters and give them a higher percentage in order for the referendum to pass, which would send many millions of dollars more into Charleston.

“This is worth so much money to the state,” she said.

Those who support the referendum in Jefferson County have stressed the new jobs and millions of dollars in local funding that will be created from table games, as well as the preservation of horse racing and farms in the area. On the other hand, opponents have moral concerns and are worried about gambling addictions, negative effects on families and the possibility of increased traffic and crime.

If table games are approved, Charles Town Races & Slots plans to open 75 tables early next year. Those 75 tables would probably offer blackjack, craps, roulette and “carnival games,” like Caribbean stud and three-card poker. Five hundred full-time jobs with benefits would be created in that first phase: 300 to 350 dealer jobs, as well as jobs in security, housekeeping and beverage service.

Early voting for the table games referendum continues until June 6, and is available from 9 a.m. to 5 p.m. weekdays at the Jefferson County Courthouse.

By BETH HENRY\ / Journal Staff Writer

Displaying blog entries 11-20 of 28

Jeanne Kozak, Broker. Each office independently owned and operated.