Hands-Only CPR

Hands-only CPR can save lives. The American Heart Association states that “Almost 90% of people who suffer out-of-hospital cardiac arrests die. CPR, especially if performed in the first few minutes of cardiac arrest, can double or triple a person’s chance of survival.” Most people who survive a cardiac emergency are helped by a bystander.

  1. Check for responsiveness – shake the person and shout “Are you OK?”11700251-250.jpg
  2. Call 9-1-1 – either tell someone to call or make the call yourself
  3. Compress – Push hard and fast in the center of the chest at a rate of 100 per minute.

The victim should be flat on their back preferably on the floor. Place the heel of one hand on the center of the victim’s chest and place the heel on top of the other hand lacing your fingers together. Lock your elbows and compress the chest forcefully; make sure you lift enough to let the chest recoil.

Chest compressions should be continued until the person shows obvious life-like breathing, the scene becomes unsafe, an AED (automatic external defibrillator) becomes available, or a trained responder takes over the emergency treatment.

Alternating mouth-to-mouth breaths is not necessary using this method. Compressions are adequate except in drowning or drug overdose situations where 30 chest compressions are followed by two mouth-to-mouth breaths.

Watch this two-minute video and consider taking instructions from the Red Cross or other qualified provider. Every household should have at least one person trained in life-saving skills.

TRIANGLE RESTAURANT WEEK!!!!

Triangle Restaurant Week is a week-long celebration of culinary excellence designed to incorporate the premier Raleigh, Durham, Chapel Hill and surrounding area restaurants. My husband and I are passionate foodies and we love that we have so many amazing restaurants within 20 minutes of our home. This is always one of my favorite weeks and I am trying to figure out how I can fit Linus and Pepper’s in for lunch tomorrow!!!!

Find out more here…. https://trirestaurantweek.com

During TRW, participating restaurants offer special three-course menu options and fixed pricing, a great opportunity for residents and visitors alike to indulge in the area’s finest cuisine! No reservations, tickets or passes required.

Pricing for the event is $15 for a 3-course lunch, and $20,$25, $30 or $35 for a 3-course dinner. Price is for each person and does not include beverages, tax or gratuity.

There are 51 restaurants participating in Raleigh. Take a look and plan out your week of fabulous dining!!!!


We are a real estate team who cares about our clients. If you are considering buying or selling your home and would like some honest, professional, and experienced guidance, please contact Valerie DeLoach at 252-916-5048 or valeriedeloach@gmail.com. See more about Valerie HERE.

 

Brier Creek Beauty Under $750,000!!!

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This gorgeous home is located in a fantastic location just minutes to restaurants, shopping, RDU, RTP, I-540 & I-40! PRICE REDUCED TO UNDER $750,000!!! There is no way it can last long at this price. The home has 6 bedrooms & 4.5 baths in its 6,037 square feet.
Updated kitchen with large breakfast room. Open family room with 2-story stone fireplace and windows galore!
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There is a 1st Floor master retreat and an in-law suite with kitchenette. Extras are too many to name!!!!
Sunroom, Exercise Room, 2 Bonus Rooms, Billiards Room & Plenty of Storage Space!!!
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Tons of Outdoor Living Space…Screened porch, 2 decks & 2 patios. Private, fenced yard. Impeccably maintained and custom touches & updates throughout.
This beautiful home looks staged although it is lived in and loved!!! Take advantage of this price drop now and call me to go take a look at it!!!
Directions: I-540 to Lumley Rd. Left Lumley Rd. At
roundabout, take 1st exit onto Arnold Palmer Dr.

Turn left onto Round Brook Cir. Turn right onto
Teton Pines Way. House is on on the Left.

We are a real estate team who cares about our clients. If you are considering buying or selling your home and would like some honest, professional, and experienced guidance, please contact Valerie DeLoach at 252-916-5048 or valeriedeloach@gmail.com.

Must Be This Tall to Ride

Surely, you remember being a child at an amusement park when after having stood in line with your friends and family, waiting to get on a terrific ride, you discovered the sign that read, “you must be this tall to ride.”This Tall3.png

Not only was it disappointing, it was slightly embarrassing. You never want to go through that again.

A remarkably similar situation occurs when people are buying a home. After finding the right home and negotiating the contract, they find out that they don’t measure up financially. It’s not something that anyone wants to go through if they have a choice.

Regardless of what you think you know, if you’re buying a home with a loan, you need to physically visit with a trusted mortgage professional before you get serious.

  • You’ll find out your credit score which will directly affect the mortgage rate you’ll pay.
  • You might discover blemishes on your credit that possibly can be corrected.
  • You’ll even get a pre-approval letter that you can submit with an offer which could dramatically affect your negotiations in the current competitive market.

Some rides don’t turn out to be as good as you thought they were going to be. A person certainly doesn’t want that disappointment with a lender. Contact me for a recommendation of trusted mortgage professional.

Would-be Buyers with Student Debt

59% of non-owners are not comfortable taking on a mortgage with their student debt according to the Aspiring Home Buyers 2017 survey. It is estimated that the college graduates have an average of $37,172 in student debt.16522219-250.jpg

Fannie Mae, who has loan programs with as little as three to five percent down payments, has announced changes to how student loan debt is treated that could make the difference in qualifying for a mortgage.

For the 5 million borrowers who participate in the reduced payment plans, actual payments are considered for calculating debt-to-income ratio rather than maximum payment amount.

Non-mortgage debts paid by another party for at least 12 months won’t be included in calculating debt-to-income ratio. For example, payments being made on a student loan by the parents would not be counted against the DTI ratio for the student.

These changes can make it possible for would-be buyers with student debt to get a home now instead of waiting for years. Being pre-approved by a trusted mortgage professional is the best way to confirm that these changes apply to your situation. Call today for a recommendation of a trusted mortgage professional.

Good Info – Good Decisions

While low inventory is certainly challenging buyers, not having a clear understanding of mortgage financing is also causing issues. By having good information, they are able to make better decisions as well as compete favorably.Mortgage Rate History0517.png

Most buyers don’t realize how the mortgage rate is determined for a borrower. While annual income is important, a good credit score, low debt-to-income ratio, loan-to-value ratio and ability to repay the loan are vital concerns.

A variety of myths seem to permeate the market such as rates are set and released once a day; FHA loans are for first-time buyers only; pre-qualification commits the lender; lender fees are not negotiable and adjustable rate mortgages always go up.

Misunderstanding of actual mortgage practices may be a contributing factor to why more buyers are not taking advantage of what are still historically low mortgage rates.

While getting solid information about mortgages and being pre-approved from a lender are very important, it is only one step in the home buying process. Success in buying a home in today’s market should begin with a real estate professional who will coordinate all the different parts of the transaction including mortgage, title, insurance, inspections.

Reasons to Refinance

Regardless of the reason to refinance a home, the basic question to ask is: “Do you plan to live in the home long enough to recapture the cost of refinancing?” There are always expenses involved in refinancing which can be paid in cash or rolled into the new mortgage.

From a strictly financial standpoint, the break-even point is achieved when the cost of refinancing has been recaptured by the monthly savings. It would take approximately 23 months to recapture $4,000 of refinance costs with a lower payment of $175 a month.22683914-250.jpg

  1. Lower the rate
  2. Shorten the term so that the loan will build equity faster and be paid off sooner.
  3. Lower your payment to reduce your monthly cost of housing.
  4. Convert an ARM to a FRM to stabilize your payment due to concern of rising interest rates.
  5. Cash out equity to be able to use the money for another purpose.
  6. Combine a first and second mortgage.
  7. Consolidate personal debt so the interest is tax deductible.
  8. Payoff higher cost debt such as credit cards, student debt, etc.
  9. Remove a person from a loan as in the case of a divorce.

Points paid to purchase a principal residence are tax deductible completely in the year paid. However, the points must be spread over the life of the mortgage on a refinance. For that reason, consider getting a “par” value loan with no points. It may have a slightly higher rate but the interest will be fully deductible and it will lower the cost of refinancing.

Determine the break-even point on your situation by using the Refinance Analysis . Call for a recommendation of a trusted mortgage professional.

Indecision May Cost More

“More has been lost due to indecision than was ever lost to making the wrong decision.” Interest rates have as much effect on housing costs as price and when they are both trending upward, it can be very expensive to wait. 25787590cropped.jpg

There can be some legitimate reasons for postponing a purchase such as needing to save the down payment, improve your credit or waiting to find out about a possible transfer. The problem is that prices and interest rates could, and very likely will, go up in the future.

If the price of $250,000 home went up 5% and the interest rate went from 4.5% to 5.25%, the payments would increase by $176.42. The additional cost over a seven-year period would be close to $15,000.

The questions that indecisive buyers need to ask themselves is “how am I going to feel knowing that if I had not waited, I could have been living in the home for less money?” and “What would I have spent the money on if I didn’t have to make the larger payment?”

Use the Cost of Waiting to Buy calculator to find out how much indecision may be costing you.

Would-Be to Should-Be

Some would-be buyers have emotional reasons to own a home like having a place of their own where they can raise a family, feel safe and secure and enjoy their friends’ company. Other buyers’ dominant reasons might be financial in nature such as building equity or lowering their cost of housing.52407681-250.jpg

Regardless of what might be motivating people to want their own home, it is easy to justify that now is a good time to purchase. Let’s look at a $250,000 example using a FHA loan.

The total payment will be about $1,835 dollars a month. If the payment is lower than the rent a person is paying, that should encourage a person to continue investigating.

In this example, when you consider the monthly principal reduction, the monthly appreciation and the tax savings, even with money added for monthly maintenance, the net cost of housing is less than half the total house payment.

Considering all those advantages, the would-be buyer is spending over $1,100 per month more to rent than it would be to own. In a year’s time, they would lose close to $14,000 which is more than the down payment of $8,750 required on this price home.

Most would-be buyers understand that a home is a big investment but they may not understand the advantage of the leverage caused by the low down payment mortgage. The benefits extend beyond a return on the down payment but to the value of the home.

In this example, the $8,750 down payment grows to an equity of $73,546 in seven years based on 2% annual appreciation and normal amortization on a 30-year loan. If you calculated that as a rate of return, you’d be challenged to find anything that could compare with it.

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To see what your numbers might look like, check out this Rent vs. Own. If you need any help or have any questions, contact us. Part of our greatest satisfaction is helping would-be buyers understand why they should-be.

Give me a call to discuss your plans to own! 252-916-5048

North Ridge CC Beauty in Raleigh

7401 Spyglass Way, Raleigh NC 27615
North Ridge

$919,000

Link to Listing

Have you dreamed of waking up every day like you are on vacation?

Open your eyes every morning to one of the most beautiful views of North Ridge Country Club‘s Lake’s Course.

Fix coffee and breakfast in the beautiful kitchen that has amazing views of its own through the breakfast room.

Read your newspaper and enjoy your breakfast on your own private deck off the master bedroom.

After a nice breakfast overlooking the gorgeous azaleas and dogwoods, go for a quick swim in your heated pool amidst the beauty that surrounds you at every turn.

Does this sound idyllic to you? It is… and more.

The 6,075 square foot home is filled with beauty and custom touches throughout. The great room with a tongue and groove ceiling would be a fabulous room for your family to gather around the stone fireplace in the winter while watching the snow fall (that we occasionally get in Raleigh) through the floor to ceiling windows.

In spite of the size, it still has the comfy feel of a real HOME. It lives like a ranch with three bedrooms and three and a half baths on the main level. The basement is a home within a home… if you have a nanny or in-laws who you want to live with you, this is the home for you! In addition to the apartment, there is an office and a billiards room/family room that has the same beautiful views as upstairs!

The downstairs apartment even has its own entrance!

This meticulously maintained home with a manicured yard is located close to shopping and many great restaurants. WORTH GOING TO SEE… YOU WILL FALL IN LOVE!

SEE THE VIRTUAL TOUR HERE

Directions: From Falls of Neuse Rd, turn on Hunting Ridge Rd into North Ridge
subdivision. Left on Rainwater. Left on Spyglass. House is on Left.


For more information, or to arrange a time
to view this property, call the Joe Ward team today!

From left to right, Kellie McDonald (919-961-2720), Kate Mullis (919-219-8036), Joe Ward (919-518-8182), Valerie DeLoach (252-916-5048), and Deborah Swainey (919-412-8650).

We are a real estate team who cares about our clients. If you are considering
selling your home and would like some honest, professional, and
experienced guidance,
please contact us today.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

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