GOING GREEN: PLANT SOME JOY AROUND YOUR HOME
Whether you live in a 3-bedroom ranch, a condo or a turn of the century estate, a little greenery can go a long way toward improving the image that your home projects. Consider this: according to the American Nursery & Landscape Association, landscaping can add 7% to 15% to a home's value-and that's true for condo and townhome owners as well. Patios, fountains, decks and foliage add value to your home, while providing you and your family with recreation areas, privacy and a serene enviroment. Most importantly, the natural environment that you create in and around your home serves to create your visitors' first impression of your home (especially when it's on the market).
In the event you have any further questions or concerns please feel free to contact me Clemon R. Rogers at 305 248-3600 or visit my website clemonrogers.com.
Wednesday, May 23, 2007
Credit Alert by Clemon G Rogers
CREDIT ALERT
The 3 major credit bureaus, Experian, TransUnion and Equifax have announced today "that they have created a new credit scoring system aimed at simplifying the loan process for both lenders and borrowers."What is it?VantageScoreSM is an innovative consumer credit risk score offering greater consistency and predictability to consumers and credit grantors. Its patent-pending development methodologies enable institutions to rank a consumer's credit worthiness more accurately than other scores currently available in the marketplace.The VantageScore credit model was developed from a national sample of approximately 15 million anonymous consumer credit profiles pulled from across the three major credit reporting companies (five million from each source). The credit information included public record information, tradeline data, and inquiries. What VantageScore Says We Can Expect Consistent - Identical scoring algorithm and leveled credit characteristics across all three national credit reporting companies offer greater consistency Accurate - Deep knowledge of the data ensuring the most accurate scoring algorithm attainable Innovative - Patent-pending applications of statistical modeling techniques enabling enhanced predictiveness ensuring that consumers will receive more appropriate credit terms It's easy to understand and apply This is great news but keep it mind that although the three major bureaus have struck an agreement to all use the same tool, VantageScore, the actual implementation of this agreement is still somewhere in the future. It will take plenty of time to put the plan into action, especially since it involves the credit bureaus necessity to license this program to all of the purchasers of their data.Additionally, while the system will undergo a major overhaul to the benefit of everyone, a credit score is still a credit score. No simplification of the scoring formula will enhance your clients' credit management. As a result, the basics of credit management that I have been teaching my referral partners and clients are still very much in place and as important as ever.As your credit improvement and education resource, I will remain ever vigilant to this, and all developments that impact your ability to achieve and maintain the best credit score so you can live your financial dreams.
The 3 major credit bureaus, Experian, TransUnion and Equifax have announced today "that they have created a new credit scoring system aimed at simplifying the loan process for both lenders and borrowers."What is it?VantageScoreSM is an innovative consumer credit risk score offering greater consistency and predictability to consumers and credit grantors. Its patent-pending development methodologies enable institutions to rank a consumer's credit worthiness more accurately than other scores currently available in the marketplace.The VantageScore credit model was developed from a national sample of approximately 15 million anonymous consumer credit profiles pulled from across the three major credit reporting companies (five million from each source). The credit information included public record information, tradeline data, and inquiries. What VantageScore Says We Can Expect Consistent - Identical scoring algorithm and leveled credit characteristics across all three national credit reporting companies offer greater consistency Accurate - Deep knowledge of the data ensuring the most accurate scoring algorithm attainable Innovative - Patent-pending applications of statistical modeling techniques enabling enhanced predictiveness ensuring that consumers will receive more appropriate credit terms It's easy to understand and apply This is great news but keep it mind that although the three major bureaus have struck an agreement to all use the same tool, VantageScore, the actual implementation of this agreement is still somewhere in the future. It will take plenty of time to put the plan into action, especially since it involves the credit bureaus necessity to license this program to all of the purchasers of their data.Additionally, while the system will undergo a major overhaul to the benefit of everyone, a credit score is still a credit score. No simplification of the scoring formula will enhance your clients' credit management. As a result, the basics of credit management that I have been teaching my referral partners and clients are still very much in place and as important as ever.As your credit improvement and education resource, I will remain ever vigilant to this, and all developments that impact your ability to achieve and maintain the best credit score so you can live your financial dreams.
New Postage USPS by Clemon Rogers
The Governors of the United States Postal Service have approved a 2-cent stamp increase to go into effect May 14, 2007, raising the cost of mailing a first-class letter from $0.39 to $0.41. Along with the increased rate for first-class letters, the USPS has also announced plans to raise the postage for catalogs, magazines and priority post items.
Are you tired of the increase in postage? Well the USPS has the answer. Another new addition to the Postal Service policy is the creation of "Forever Stamps," designed to ease the changeover period between future rate changes. The Stamps will provide postage for all future one-ounce first-class letters regardless of the new rate. They will never expire or decrease in value and will be sold at new first-class postage rate. ($0.41) The Forever Stamp is the Postal Service way to deliver convenience and value for its customers. And when you think about it $0.41 is not a lot to charge for the service of delivering our mail. I drive a SUV & I known that it cost me more that $0.41 to start my vehicle. Imagine the cost to deliver a letter anywhere in the United States!!!!!!!!!!
In the event you have any further questions or concerns about this or any other Real Estate matter please feel free to contact me Clemon G. Rogers (Mr. House) 305 248-3600. You may also visit my website for other free helpfull information. www.clemonrogers.com.
Are you tired of the increase in postage? Well the USPS has the answer. Another new addition to the Postal Service policy is the creation of "Forever Stamps," designed to ease the changeover period between future rate changes. The Stamps will provide postage for all future one-ounce first-class letters regardless of the new rate. They will never expire or decrease in value and will be sold at new first-class postage rate. ($0.41) The Forever Stamp is the Postal Service way to deliver convenience and value for its customers. And when you think about it $0.41 is not a lot to charge for the service of delivering our mail. I drive a SUV & I known that it cost me more that $0.41 to start my vehicle. Imagine the cost to deliver a letter anywhere in the United States!!!!!!!!!!
In the event you have any further questions or concerns about this or any other Real Estate matter please feel free to contact me Clemon G. Rogers (Mr. House) 305 248-3600. You may also visit my website for other free helpfull information. www.clemonrogers.com.
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