Author Archives: Molly Miller

5 Ways to Raise the Vibration of Your Home

Have you ever heard the expression “dress for the job you want”? Well, why not apply the same principle to your home? As we know, a properly staged home will help you sell your home quickly and at the best price. So, think of raising the vibration of your home as taking staging to the next level. Here are 5 tips to help you raise the vibration of your home to help boost your staging game.

1. Cleanse The Air

Raise the vibration with a smudge stick.

Burn some sage! Science has already proven that there are many benefits to burning sage (like improving cognition, boosting your energy levels, relieving stress, and decreasing aerial bacteria!). Smudging your home a day or two before a showing can help clean the air, dispel negative energy, and provide an overall sense of peace in your home. Not only will potential buyers feel better walking through your home, but so will you! 

2. Bring Nature In

Add some greenery to brighten up your home.

Natural elements are a great way to elevate the atmosphere and vibration of your home. Studies have shown that plants help boost our mood, reduce stress, and clean the air in our homes. Adding a couple of plants can help breathe new life into your space. Don’t have a green thumb? Pick up a few succulents, which are very low-maintenance plants, or grab a bouquet of fresh flowers. 


3. Add Some Crystals

Crystals can add a whimsical touch to decor.

It’s believed that the pure energy of crystals can bring your cells into a state of balance and help heal your body. Different crystals also have different properties. For example, Citrine is said to be a crystal of success and abundance, Green Aventurine is believed to attract money, Rose Quartz provides a loving and welcoming energy. Even if you don’t believe in crystals having any “power,” adding a few crystals around the home adds some color to the decor. Geodes make a great design element, too! 


4. Pick Out Inspirational Books

Boost the vibe with inspirational books.

Books are a great decorating tool for your home. A couple of books on the coffee table or on the nightstand provide a nice touch. But what if you were intentional with the books you place in your home? You can aim for books with inspiring titles or a book of poetry- anything that is inspiring to you and guests will help elevate the mood in your home as well. 

5. Enjoy your home!

Don’t forget to enjoy your home!

Nothing elevates the vibration of your home more than your own good vibes. Have you ever been in a room right after an argument and felt the heaviness in the air? The same is true for the opposite. The joy and love you experience in your home will be felt by potential buyers. So, try practicing gratitude for the great moments you’ve lived there, remember how excited you were when you first moved in. Those high vibes will be felt by all who walk through your door and they’ll be able to visualize themselves in their (potentially) new home! 

7 Ways to Improve Your Credit Score in 2020

If you’re planning to buy a house anytime soon, saving money and improving your credit score should be at the top of your list. Generally, mortgage companies look for a credit score of 660 or higher. A credit score of 740 or higher is ideal for the best interest rates. Does your credit score need some work? Here are a few ideas to give it a boost this year: 

 

1. Correct any errors on your credit report:

A quick way to boost your score is to request a copy of your credit report and correct any errors. Remember that if there are errors to correct, you need to contact all three credit bureaus. This should take no more than 3 months to be reflected on your credit report.

2. Pay your credit card bills on time:

This one is a no-brainer! Make sure your payments are made on time each month, as this shows mortgage companies that you are a reliable customer. 

3. Pay down your credit card balance:

Credit utilization accounts for 30% of your credit score, so this one’s important! Paying down your debt is one way to lower your debt ratio. If you pay your card down to 1% of your credit limit, you’ll have positive credit utilization while keeping your balance low. If you don’t have the cash to pay your balance down right now, another way to improve your ratio is by calling up your credit card company and asking for a limit increase (just make sure not to use up that increase!). 

4. Use one card responsibly:

If you normally pay your bills (utilities, for example) with a debit card, switch to a credit card! Make your payments each month, then pay off the credit card balance in full once your credit card bill comes in. This will show consistent credit card use and payments. 

5. Ask a friend or family member to add you as an authorized user:

Know someone who has excellent credit? Ask them to add you as an authorized user on one of their credit cards (just make sure they are also making their payments on time). They don’t have to actually give you a credit card, they can continue to use their card as usual, but you will benefit by having their credit history come up on your account immediately. 

6. Apply for a new card:

Applying for a new credit card helps improve your debt ratio as well, as long as you don’t max out the card. Just make sure to not apply for more than three cards in a one month period, as the hard inquiries can negatively impact your account. 

7. Get a secured credit card:

If you’re having trouble getting approved for a credit card, consider opening a secured credit card. This means you’ll need to provide a secured deposit, which the company will hold in case you default on a payment. 

 

Jump on the momentum of the new year and get working on your credit score! If it all seems a bit overwhelming, pick one task each month and you’ll be well on your way to a better credit score in no time! 

 

Buying A Home This Holiday Season? You Should!

Happy holidays to you! You are giving yourself the best present you can think of – a home! And what a wonderful time of the year to buy one. And not because everyone is so holly and jolly, either!

 

If you have been considering purchasing a home or have been in the market for some time, really look into buying a home this holiday season. No, you probably won’t be able to tie it up with a bow, but it sure is a smart financial and economic decision.

 

What a lot of people don’t realize is that the holidays are one of the least competitive times of the year. With everyone wanting to go out and buy loved ones presents, visiting family across the country, and getting ready for the impending doom of tax season – a large purchase like a house is the last thing on anyone’s mind. However, if you want the greatest deal on your dream home, you may want to consider to start planning on looking at houses this winter!

Because financial burdens can come into play by the end of the year, home sellers are overwhelmingly more motivated to sell their homes. Which means you could get a great deal, as homeowners tend to be eager to sell ASAP. This leads to sellers reducing the list price of their home just to get it sold. Not to mention, they’ll probably want to close quickly, too! Yay!

 

When you buy a home at the end of the year, you are also able to itemize some of the costs of moving (i.e. mortgage interest, etc.) and if you’re moving because of a job – even better! You will be in a better position to possibly get a nice little tax break!

 

You may also want to look at the swing and patterns interest rates are going through. When it comes to mortgages and loans, they go through processes like swing cycles. Typically around the holidays, they hit a lower point because fewer people are looking to borrow for such large purchases. Stay on top of that and ask your lender if you have any questions on what they may look like here in the next few months.

Frankly, there will always be more homes on the market come spring. That’s the way it has been and always will be. However, because that is a known trend and a popular time of year to buy/sell, you are going to have a ton of competition. The smallest factors will go into deciding between you and the Johnson’s who are looking at the same home. Buy in the winter and you have more of a chance to be the ones who get your perfect home.

 

The list of reasons why it is amazing to buy during the holiday season can be simplified into two key points: you’ll more than likely save a ton on your dream home and the competition is much less. Talk to your spouse, get to packing, and we’ll talk soon!

The importance of staging your home when selling

 

If you are about to sell your home, you need to prepare it for the prospective buyer to come in and love it. Essentially, this is what staging is; making your home welcoming and inviting, so a prospective buyer sees it and actually falls in love.

Now, it is important to know that staging is actually optional. No one actually says that you need to stage your home compulsorily. However, its significance can’t possibly be overstated. Selling your home is no small feat, so you want to do as much as you can to ensure that you get as much money as you can for your home.

In order to sell your home quickly and at a good price, staging is key.

Potential buyers are looking for much more than just a building that they can live in. They are looking or a place to call their home; a place that fulfills their dreams of an abode, and somewhere that represents an upgrade in their lifestyle. By staging your home, you will be able to help them imagine their life in your home, and you can pitch why the house is the right property for them to buy as they take this next step.

Also, another importance of home staging is that buyers don’t want to see a home with work that still needs to be done. They want to see a house that is ready, and if they keep seeing issues, they would pretty much just pass on it.

How to Stage Your Home

If you are conducting this on a limited budget, then the best recommendation will be for you to focus on making the biggest improvements that you can. This means that you should focus on those areas of your home that will really matter when it comes to increasing the selling price of the property entirely.

These areas include the entryway and exterior (they form the buyers first impression), the kitchen, living room, bathroom, the master bedroom, and any outdoor living space that you have.

The kitchen might prove to be a tad difficult, because you want to ensure that all the appliances are functional and modern. If you can’t buy new stuff, then at least make what you have as clean as possible. No one wants to see spaghetti stains on your countertop or piles of crumbs on the toaster.

The same goes for areas such as your bathroom. All in all, you have to ensure that everywhere looks as good as new.

So, keep these tips in mind as well

Declutter the home

When it comes to clutter, the two biggest problems are the attention that they draw and the amount of space that they take. So, make sure that things are in their appropriate place. The buyers will be interested in the amount of space that you have (especially in areas which were designed to hold stuff, like cabinets and closets), so make sure that the biggest storage spaces are properly arranged as well.

Take your touches out

The point of staging your home is for the buyer to see himself or herself in the house easily. When everything has been personalized to your preferences, this becomes rather difficult. For this time, you will need to hide all refrigerator art or family pictures. Kids’ toys should be hidden as well.

Keep things fresh

Your children, your pets, old food, and a few other things that can cause odors need to be taken out. The smell of your home might not be so significant to you, but a potential buyer will notice. Make sure that everywhere smells good (or at least neutral).

Get some paint

If you have wallpaper in the house, it might not necessarily speak to the buyer. So, you might want to pull wallpaper down and just paint the walls instead. This way, the buyer can personalize the view of the house and better imagine the touches that they will make, if they purchase it.

Also, keep in mind that the proper color should be neutral and warm. It appeals to more people, and it projects a calming vibe. Great for your prospect of selling.

Consider the lighting

Your home has natural light, and you can always use that as an advantage. Open the curtains and blinds when the guests are coming in, so they can see how good it looks. As much as you can, do without the supplementary lighting.

Keep the furniture spot-on

The furniture is very important. It is what people are going to see first when they step into the living room. So, make sure that it fits the room well. Furniture that is too big will make the living room look much smaller than it is, and small furniture can make the room feel too spacious. Balance is key.

Pay attention to the exterior too

You might have gotten the interior all spruced up, but the buyer will see the exterior of the home as well, so make sure to tidy that up!

Make sure that hedges, the lawn, and other trees and plants are properly maintained. Remove any weeds, and make sure to wash the windows in order to brighten them. Check out the sidewalk as well, and see to it that it is clean and free of any obstructions or dirt. Get new doormats for the front door as well, and you can showcase your pool (if you have one) by making it fresh and clear.

Finally, you could try to create some sort of outdoor living space, such as a patio or deck. It is a great way to use the exterior of the home and make the buyer fall in love with it even more.

You could also throw in some final touches like cookies or apple pie to welcome the buyer as well.

 

New Hampshire for Newcomers!

New Hampshire is a beautiful, tranquil state that offers much more than an opportunity to relax and rejuvenate. As one of the most industrialized areas in the entire United States, the state of New Hampshire is a perfect location for anyone either looking to start a life or just someone wanting to retire after a fulfilling career.

There really is no shortage of things to do in New Hampshire. The state is a home to people of different backgrounds and walks of life, and with a makeup of accommodating, welcoming citizens, anyone who moves around will feel more than welcome in this haven.

So, for those who are just moving in and would like to get some wholesome, family fun, we have just the fix for you. Below are some of the most significant landmarks and tourist attractions that you just have to visit within your first few weeks. Rest assured that a visit to any of these places will be well worth your while, and you will have much more fun than you bargained for:

Mt. Washington Cog Railway

Mount Washington remains the highest elevated point in the northern Appalachians. Standing at a colossal 6,288 feet, the only way you get to the top of it is by passing through the steep Cog Railway, which has been ferrying tourists since it opened back in 1869.

On a clear day, you can catch a glimpse of about four states from the top of Mount Washington. On a cloudy day, you get to look down and wonder at how little the clouds look to you.

Lake Winnipesaukee

There is absolutely no way you could come to New Hampshire and not visit Lake Winnipesaukee, the largest lake in the entire state. The lake remains one of the most popular lakes in the entire United States, and it is a tourist attraction that gets visited by thousands on an annual basis.

Lake Winnipesaukee is a great location to relax and unwind with your family members. You could enjoy a quiet picnic, some light swimming, or even rent a boat and see where the open water takes you. Be one with nature!

The Conway Railroad

New Hampshire is home to a wide array of beautiful railroad routes, and there is arguably none better than the Conway Railroad. The trail rides give visitors the opportunity to experience just how beautiful railroad travel can be, with trips that can last between one hour and five hours. As you travel, you get to admire some of the beautiful landscapes that New Hampshire has to offer.

In addition to that, the railroad also offers a Polar Express service between Thanksgiving and Christmas that will undoubtedly be fun for the whole family.

The Squam Lakes

Little and Big Squam are fed by springs, and they are connected to each other by a single channel. Big Squam measures six miles in length, and it stretches to depts. As low as 98 feet. With such dimensions, Big Squam is the second largest lake in the entire state of New Hampshire.

When you visit the two lakes, you will find quite a lot of lovely attractions to accompany the rustic surroundings. You can get awesome views of the National Science Centre, and the 157-acre Chamberlain Reynolds Memorial Forest.

The Reservation River

The Reservation (also known as the Lost River Gorge to some) is a series of caves which are located in the White Mountains, about 5 miles from North Woodstock. The name of the river comes from a brook in the southern part of the river, which disappears into a glacial gorge that contains quite a lot of granite.

The river comes out once more to join the Pemigewasset River, and it is a generally great location for hiking. Easy access is also assured, thanks to a series of walkways.

Franconia North State Park

Up until now, there is an argument to be made that the Franconia Notch State Park is the most beautiful state park in New Hampshire. Located at the center of the White Mountain National Forest, the park is great for several outdoor activities. Whether you love to cycle, hike, or fish, this location is prime.

The park also contains quite a lot of natural wonders, including a fifteen-foot deep pothole, which was formed about 25,000 years ago. There are also Eastern Brook Trout, so get your rods ready!

Clark’s Trading Post

Located in Lincoln,Clark’s Trading Post is an entertainment hub that has been in operation for well over 5 decades now. A visit here will be more than a fun time, with a slew of performances that will keep you entertained. You can also ride a steam train, visit museums, and drive a Segway.

The Attitash Mountain Resort

Also located in the White Mountains, the Attitash Mountain Resort might be known as a premium spot for snowboarding and skiing, but it definitely provides much more than these. With a size of over 350 acres of skiable land, the resort also provides a zip line ride which spans from Bear Summit to the base of the Attitash Mountain.

The zip line takes you above several trees, with the opportunity to check out some awesome views. If that doesn’t prove to be enough of a thrill for you, then you can also check out a 2,800 foot mountain coaster and an alpine slide as well.

 

 

 

Protect Yourself from Real Estate Identity Theft

mountainside props real estate identity theft

Buying a new home is an exhilarating time in your life. It’s the beginning of a new chapter, a crucial structure to the future you’re building for yourself. To deal with identity fraud during such a milestone period in your life is damaging— we’re here to help you prevent that.

If you’re in the market for a new home, read on. You’ll learn some new tips about keeping your identity secure and avoiding fraudulent scams— and feel safe and excited as you take the steps towards homeownership.

  1. Protect your Details

Whether you’re buying a house, selling it, or both, one thing remains consistent: you’re going to be filling out a lot of paperwork. These filings will have a lot of your sensitive information in it— and if they get into the wrong hands, it means trouble. If any of your papers are digital, it’s wise to encrypt, lock, and password-protect them.

  1. Be Password Smart

There’s no point in locking all your information down with a password if it’s easy to hack. Never, ever give your password out digitally—that means no texts or emails. We also recommend using a password generator to keep it harder to guess—numbers or words (like birthdays or names of loved ones) are not the best choices.

  1. Understand your Paperwork

Be sure that you are up to speed with everything happening in this transaction. Sometimes, real estate paperwork can be overwhelming— and in those cases, some buyers begin to dive in without checking what they’re signing. If you don’t know what part of your paperwork means, or don’t understand why you need to provide a certain document, speak to your realtor. That’s what they’re here for.

  1. Be Wary of Public WiFi

Free train or cafe internet may be great for working, but it’s not ideal for filing sensitive documents. Third parties can easily mine your information this way! If you’re working on your real estate paperwork in a public space, ensure that no personal details (such as your SSN) are being shared while you’re logged in to that network.

  1. Face-to-Face Meetings are Important!

It’s tempting to do everything over the phone and computer these days, but when it comes to working with a realtor or lender, we recommend making these meetings face-to-face— especially when you’re handing over paperwork.

  1. Keep up to Date with Scams

Stay informed. Money wiring scams are rampant right now, and potential homebuyers are an easy victim. Read up on how these scammers get your information and stay vigilant, and remember:  if you get an email from your “realtor,” but something seems off, it might not be them.

  1. Find out Where your Information is Being Stored

Talk to your realtor about where your paperwork and sensitive information is being stored. Ensure that it’s been safely secured and that you know exactly who has access.

  1. Hold Off on Posting Those Pics

It can be tempting to share your home buying process with your social media followers, but there’s a nasty catch—scammers can easily mine your information this way. It’s best to keep those posts in a private setting— or hold off until the application process is complete.

  1. Stay Sharp

Trust your instincts. If something seems suspicious, it very well could be. Listen to your gut:  never give your information to anybody you aren’t 100{8e8a832a55b9419369fc4c0c70b5562456512802d11d9b4ba3373dcb1aee86de} sure you trust.

  1. Work with a Realtor you can Trust

The right realtor will make this process everything you need it to be: secure, straightforward, and exciting. Before you dive into your application process, meet your potential realtor and get to know them. When you know you can trust them, it’s time to forge ahead.

 

The 9 Most Popular Things to Do Near the Lakes Region

The Lakes Region of New Hampshire is the perfect place to go for a summer getaway. The area gets its name from the four lakes which are surrounded by lush green forests. There’s plenty to do for the whole family, from hanging out at the beach and hiking to checking out the local history. Keep reading below for ideas on how to spend a truly memorable vacation in the Lakes Region:

1. Alpine Adventures Outdoor Recreation in Lincoln

alpine adventures outdoor recreation lincoln

If you want to get the heart pumping, then head to Alpine Adventures Outdoor Recreation in Lincoln. This park offers more than three miles of ziplines to fly through, an aerial park with bridges and cargo nets and a treehouse. People who are feeling even more adventurous can try being launched from a ramp into a giant air bag.

2. American Classic Arcade Museum at Weirs Beach

American Classic Arcade Museum at Weirs Beach

Visitors looking for indoor fun should check out the American Classic Arcade Museum at Weirs Beach. This museum has more than 250 games, from Pac Man and Frogger to pinball. There are also a few rare games to try, such as Atari’s Cloak and Dagger and Star Trek: Strategic Operations Simulator by Sega. Head to the museum on Tuesdays for their competitive Bingo nights where people can win cash prizes.

3. Gunstock Mountain

Gunstock Mountain

Also a popular winter destination, Gunstock Mountain is a great place to go with the family or a group of friends for a weekend trip. The mountain has about 31 miles of bike trails at all levels of difficulty and hiking trails with views of Lake Winnipesaukee and Mount Washington. It also has an adventure park with zip lines and a roller coaster that winds through the mountainside. Visitors can rough it in a tent or book a cabin for the weekend.

 

4. Visit a Winery Nearby

Haunting Whisper Vineyards in Danbury

Adults visiting the Lakes Region should make time to visit one of the many wineries in the area. Try a glass of red or white while enjoying panoramic lake and mountain views at Haunting Whisper Vineyards in Danbury. People who want a bite to eat with their brews should take a drive to try Hobbs Tavern & Brewing Company in West Ossipee. Food options include the classic Hobbs meatloaf and marinated steak tips.

 

5. Squam Lakes Natural Science Center in Holderness

Squam Lakes Natural Science Center in Holderness

The best place to hear everything that chirps and roars is the Squam Lakes Natural Science Center in Holderness. This zoo offers a live animal exhibit trail which takes visitors past bobcats, mountain lions, river otters and owls. Visitors can also take a cruise on Squam Lake and look out for bald eagles in their nests.

6. Art Escape in Laconia

Art Escape in Laconia

Get inspired during your Lakes Region stay with a trip to Art Escape. This studio offers a variety of art classes, such as pottery wheel and fused glass, where people can create pieces to take home the same day. The studio also has paint and sip classes in the evenings for adults and painting parties for families with children.

 

7. Belknap Mill in Laconia

Belknap Mill in Laconia

Belknap Mill is a great place for learning more about the local history. Located in Laconia, this place is the oldest, unaltered brick textile mill in the nation. Visitors can take a tour of either the Hosiery Museum or the Powerhouse Museum, which displays the uses of hydro-power in the region. Afterwards, people can take a stroll on the Riverwalk and learn more about the history of Laconia.

 

8. Weirs Beach on Lake Winnipesaukee

Weirs Beach on Lake Winnipesaukee

Soak up the sun with a trip to Weirs Beach. Located right along Lake Winnipesaukee, this beach has a hoppin’ boardwalk, mini golf, and shopping. There are plenty of fun water activities, from fishing to scuba diving past old shipwrecks. During the summer the drive-in theater opens, playing blockbuster hits such as Disney’s “Aladdin,” and “Avengers: Endgame.”

 

9. Santa’s Village in Jefferson

Santa’s Village in Jefferson

It doesn’t have to be Christmas to enjoy a trip to Santa’s Village. This Jefferson theme park has a water park and rides, including a Christmas-themed Ferris wheel. Younger kids will enjoy a spin around the reindeer carousel, and the older ones will have a blast on the Yule Log flume. The theme park also has live entertainment and a Christmas light show where bright lights blink along to classic holiday tunes.