Funding Real Estate Purchases in Flagler County, Florida

One of the first things prospective buyers need to do before they start shopping around for their dream home is to decide how they are going to pay for the property?  If they have cash, how much cash do they want to use?  Maybe they might want to just use some cash for a down payment and use the bank’s money to pay for it?  Either way they need to be able to show proof of funding prior to making an offer on a property. 
When a buyer chooses to pay cash for a home they need to have either a letter from their bank stating that they have X amount of funds at their disposable to pay for the property or they need to have a copy of a bank statement showing that the funds are available.
If a buyer needs to get a loan to buy a house they need to get a pre-qualifying letter from their lender.  This is an easy enough thing to achieve.  They just need to call the lender, provide requested information over the phone and if satisfactory the lender will then issue a pre-approval letter.  When the buyer has an actual contract on the property they will need to submit documentation to the lender verifying all of the information they gave the lender by phone. Don’t know any lenders?  There are lots of good lenders available in Palm Coast, ask your Realtor for a recommendation.
When purchasing property in Palm Coast Florida or anywhere in Flagler County, Florida, It is important to have a pre-approval letter or proof of funds from the bank prior to making an offer as all good Realtors will advise their sellers not to accept any offers that are not accompanied by proof of funds. So when making an offer, do as Jerry Maguire would say and be ready to show the money!
.. show-me-the-money - Edited

Ocwen Financial Corp Settlement- Nolo’s News

Attention Flagler County Homeowners:

Ex Homeowners in Flagler County or any other counties in Florida who had home loans serviced byOcwen Financial Corp could be entitled to a cash payout from Ocwen from a  $125 million settlement . The deadline for applying for a share from the payout is September 15 but so far only 33% of eligible Floridians have applied.

Over 31,000 former Floridian homeowners were mailed notices of the settlement in June but many people may not have received the notices because they relocated when they lost their homes.

To be eligible for the payouts, an ex-owner must have lost their home to foreclosure between Jan. 1, 2009 and Dec. 31, 2012, have lived in the home as their primary residence, and made at least three payments on the mortgage.

 For more information about the Ocwen claims and eligibility, call 866-783-5382.

Palm Coast Sunshine, Nolo’s News

Today, like most days in Palm Coast the sun is shining, the pools are glistening, the beach is shimmering and the ocean is calm.  The kids are back in school, the snowbirds are still up north, there’s no better time to come to Flagler County, Florida if you are thinking of buying your dream home anytime soon.  House prices are still affordable, real estate taxes are lower than many other areas, we have no income tax and interest rates are still low.  What are you waiting for?

 

Do You Really Need a Realtor? Nolo’s News

Purchasing a home is one of the biggest monetary transactions most people will make in their lifetime but buying real estate is not as easy as it looks.  Realtors know all the ins and out of their local area and their real estate market.  They know the ups and downs of the real estate business because they are experts in their field.  Purchasing a home in Palm Coast,  Flagler County Florida, is very different from buying a home in other areas of Florida or in any other state.  Hiring a local Realtor can be the difference in buying the house of your dreams or missing out on the best deal in the area. Contacting a Realtor is one of the best decisions a prudent buyer can make before embarking on such a huge life changing transaction.

Palm Coast puts Flagler County in the News! News from Nolo

Palm Coast puts Flagler County in the News!

Palm Coast recently passed the 100,000 population mark and continues to grow. Forbes magazine recently ranked Palm Coast 9TH on its list of metros with the fastest growing economy! The Wall Street Journal recently named Palm Coast 7th among small towns which are good for small Business and Careers. The “Where to Retire” magazine also recently included Palm Coast on its list of the 8 low-cost Cities to retire to! Palm Coast is on the rebound and is no longer Florida’s best kept secret. Palm Coast is the best place to live, work and play in the Sunshine State and did I mention the fact that we have NO income tax, lower real estate taxes and great properties to suit all tastes and budgets!

Palm Coast Fitness- Nolo’s News

Palm Coast Fitness

This morning before I got stuck into real estate matters for the day I went to a Zumba class in Palm Coast.  The class was packed as usual but what is unusual about this class is that it is made up of all age groups,  shapes and sizes and its a women’s only class.  This morning there were teachers young and old all getting their cardio in before school resumes in Flagler County on August 18.  Some kids were also getting their exercise in before school starts.  Then there were the regulars, 30, 40, 50, 60 and yes, even some seventy year old ladies exercising hard to fast to energizing Latino rhythms.  Zumba is a great way to get and keep fit but unlike regular, boring aerobic classes Zumba is upbeat and fun.  Palm Coast has many gyms providing Zumba, Yoga, toning, cardio, kickboxing, drumming and many other fun classes to keep the women of Flagler County, Florida in great shape. Oh, the men are not forgotten either as many Palm Coast gyms offer strength training, TRX and all sorts of fitness programs for the Flagler men.

Great Trails in Palm Coast!- Nolo’s News 8.5.2014

Most mornings I enjoy an early morning brisk walk on the Lehigh Trail in Palm Coast, Florida. Lehigh Trail is just one of many great trails that we are very fortunate to have in Flagler County.  Anyone like me who enjoys walking for both physical and mental benefits has so many great options to choose from with all of the great trails that the City of Palm Coast have created for us in this beautiful neck of the woods. 

On any given day or evening people of all age groups can be seen walking, jogging, running, biking and skating on these well shaded trails in Palm Coast which are nestled in a forest type setting.  Anyone who needs to rest a little on the trail will find  plenty of benches to sit on.  These great trails offer a peaceful oasis from the hustle and bustle of everyday life yet they are close to all of the great amenities Palm Coast has to offer. These trails allow children and adults alike the opportunity to get out in the fresh air and enjoy a healthy lifestyle in the all year round sunshine that we are blessed to have in Florida which allows us to enjoy nature at its very best.

Holiday Homes in Flagler County Nolo’s News 7.31.2014

Nolo’s News 7.31.2014
Ask most people at home and abroad who want to purchase homes in Florida which areas they are most aware of and they will often answer Orlando, Miami and Tampa. That’s a pity because I am here to tell them that I am about to release one of Florida’s best kept secrets:
Flagler County, home to gorgeous Flagler Beach and beautiful Palm Coast, Florida!
Flagler Beach is one of the few remaining unspoiled seaside resorts nestled on the Atlantic Ocean.  It boasts miles of  glorious beaches and a vibrant beach community which includes many famous artists, great oceanfront restaurants and quaint boutiques.
Palm Coast which is a newer, planned community, is located in a forest type setting with all access roads beautifully landscaped.  Numerous amenities include, miles of bike and walking trails, great golfing, fishing, boating and tennis. Great choices in restaurants and shopping, and only a short ride from fabulous beaches!
Flagler County offers excellent growth and development, there is NO state income tax, and house prices and real estate taxes are lower than most other developing communities in Florida.  Oh, and did I mention that Flagler County is located in the Sunshine State, no shovelling snow here!

Nolo’s News 7.30.14

Nolo’s News 7.30.14

According to the National Association of Realtors and other real estate tracking sites as much as 86% of prospective home buyers search online for properties before they ever contact a Realtor.  While the real estate market continues to evolve and most buyers in 2014 prefer to search for properties online, a Realtor’s value to a consumer remains unchanged.Realtors are the trusted source of accurate market data and analysis. In our market in Palm Coast, Florida,  Claddagh Florida Properties has in-depth knowledge of the local market and this is crucial in assisting out of state buyers who purchase second homes for retirement or future retirement.  We are our buyer’s advocates, we are the face of each transaction, we are the voice of reason during the negotiations and we are the Realtors who hand over the keys to our buyers dream home.
We provide excellent service to all of our buyers and sellers and we do so with a human touch, a service the internet can NEVER provide.

 

 

 

Check out the July edition of our Monthly Newsletter!

Check out the July edition of our Monthly Newsletter!

 

 

Insider Tips for Healthy, Wealthy and Happy Living – 
Charles & Noeleen Duffy’s                                     Shamrock 2014 4
Service For Life! ®
Inside This Issue…

 

  • Can A Sugar Detox Prevent A Heart Attack?…
  • Slow Internet? Speed It Up With 4 Quick & Easy Tips…
  • Fun Facts and Laughs: Free Internet Radio Websites, Sleep Positions To Feel Better, And More…
  • Trivia Challenge: Win Two Free Movie Tickets
  • Real Estate Q&A: What Factors Affect The Value Of My Home When I Sell It?…
Nolo3  Charles & Noeleen DuffyCladdagh Florida PropertiesPhone: 386-246-7287Email: Charles@CallChas.com
Dear Friends…If you want to feel better and reduce the risk of heart problems, you might consider cleansing your body of sugar. In this month’s Service For Life!® Free consumer newsletter we will share exactly how to do a cleanse based on a highly rated book written by two doctors called “The Sugar Detox.”You’ll also learn four quick ways to speed up your Internet, how important your sleep position is if you’re a snorer or have heartburn, and the names of three free Internet radio websites – plus fun facts, a trivia challenge, and lots more.

 Charles & Noeleen Duffy

Charles & Noeleen Duffy,

Broker Owner’s ®

Claddagh Florida Properties

P.S.  When you notice people talking about real estate in the next few weeks, can you tell them about the free consumer information I provide?

They may be people you meet who were relocated and are looking to buy a home this summer. Tell them about our Free Consumer Report: “8 Secrets For Saving Thousands When Finding, Buying and Financing Your Next Home” and give them our phone number

386-246-7287. Or, you can always request a copy for a friend by clicking here to email us.

Today’s Brain Teaser . . .

Four fingers and a thumb, yet flesh and blood I have none.

What am I?

(see answer below)

Can A “Sugar Detox”Prevent A Heart Attack?

One of the greatest threats to your health is sugar. According to the World Health Organization, an arm of the United Nations, the average adult should have no more than 6 teaspoons of sugar a day. That’s about 25 grams of sugar, or what’s in a typical can of soda. But the latest surveys show the average person eats about 18 teaspoons (75 grams) of sugar every day.

Even if you stay away from sweets like cookies, cakes, and doughnuts, there are “hidden” sugars in processed food that you’d never know. For example, sugar is often added to frozen pizza, soup, and even mayonnaise.

The concern is more than just preventing weight gain. A Harvard Nurses’ Health Study found that people who eat more than the recommended amount of sugar nearly doubled their risk of heart disease. They also tend to look older because sugar triggers body chemicals that accelerate aging of your skin.

If you want to reduce the risk of heart problems, lose weight, feel better, and even look younger, here is some shocking news: You need to go off sugar completely. Not forever, just a temporary “detox” to cleanse your body so it doesn’t have cravings that make you eat more sugar. That’s the advice from two doctors who wrote the highly rated book “The Sugar Detox” that has a two-part plan…

STEP #1: Go off sugar completely – for 3 days

The first goal is to reset your body’s ability to even taste natural sugars that are in foods like apples. Consult your doctor before changing your diet, especially if you have hypoglycemia or diabetes. But if you don’t have a blood sugar problem, cut out the following for three whole days: foods or drinks with added sugar (read the label on everything)… starches (pasta, bread, crackers, cereal, potatoes, and rice)… fruit (except a lemon or lime to flavor water or cooking)… dairy (milk, cream, yogurt, and cheese)… and also cut out artificial sweeteners and alcohol.

Here’s what you should eat: protein (lean red meat, chicken, fish, tofu, and eggs)… vegetables (such as broccoli, lettuce, asparagus but not starchy veggies like corn, beets, or squash)… nuts (peanuts, walnuts, almonds, and cashews)… and lots of water. During this time you may feel tired and might even get a headache as sugar exits your body kicking and screaming.

STEP #2: Reintroduce certain foods into your diet – over 4 weeks

Week 1: Continue to eat healthy foods and not anything with added sugar, but also eat up to an apple a day… up to one serving of dairy per day (8 oz milk, 1 oz cheese, 5 oz plain yogurt, or 1/2 cup cottage cheese)… one serving of whole grain crackers per day… and you can also drink wine if you like.

Week 2: Add back more natural sugars by increasing fruit and dairy in your diet. In addition to an apple each day, have a half cup of berries, and two servings of dairy each day. You’ll start to notice how sweet fruit is, and you can also add a small sweet potato each day.

Weeks 3 and 4: Start eating grains again, but make sure they’re “whole grains” and not carbohydrates like white pasta, white bread, and white rice that have fiber stripped off and are easily converted to sugar by your body.

You should now have more energy and feel better too! And if you still have a sweet tooth, the book says 1 oz of dark chocolate daily is fine.

Flagler County News
The good news is that there has been a major decline this year in the number of distressed properties for sale in Palm Coast and Flagler Beach. During the recession Flagler County had one of the highest numbers of Short Sales , Foreclosures and Bank Owned properties in the State of Florida. The large amount of distressed properties for sale lead to major price drops for property owners in all price ranges. This much needed sharp decline in distressed properties has allowed sellers reap a higer price for their homes in 2014 as  distressed properties no longer represent a major threat to listing/selling prices.The Palm Coast & Flagler Beach real estate market is now in a much healthier state in 2014 and hopefully we can all look forward to it growing stronger.  
Smiley Face 2014 2                   Smiley Face 2014 3                  Smiley Face 2014 5
Happy Seller             Happy Buyer            Happy Realtor
4 Quick & Easy Ways ToSpeed Up Your Internet

Your Internet speed can vary depending on service providers and types of connection you have, but if your downloads and searches are slow, try these easy tips to improve your connection speed:

    1. Update your Internet browser. Your current browser can be so obsolete it may slow your connection. Update your browser version or try one that’s faster such as Mozilla Firefox at www.firefox.com, or Google Chrome at: www.google.com/chrome.

 

    1. Clear your Internet browser history. Too much data in your history can slow things down. On most browsers, look under Tools and “Clear Recent History.”

 

    1. Optimize your cache. Your cache (pronounced cash) stores temporary files on your system. These are files like images and videos that make a webpage load faster. But too many of these files can slow your entire Internet performance. Limit your cache to 512 MB or 2% of your total network hard disk size, whichever is smaller. Once your cache is at the limit, it will start to eliminate old files, freeing up your network resources. You can also clear your cache at any time. Each browser has different steps, so search for “clear cache Firefox” or “clear cache Chrome.”

 

  1. Check your connection speed. If your computer is still slow, perform a free check of the Internet speed at www.speedtest.net. Then compare the result to the speed listed on your Internet plan. If the speed is slower than what you’re paying for, call your Internet service provider to have them check your connection. They may suggest replacing your modem or wireless router to boost the speed.
A warm welcome to Palm Coast’s newest property owners, John & Jill Bangert. John & Jill purchased a lot to build their dream home on. Congratulations to John & Jill.Lot prices in Palm Coast are creeping up so now is the good time to buy or sell.  Call us at 386.246.7287 for a free consultation.

Check out this Beautiful Home for Sale in Palm Coast Plantation Palm Coast Florida.

http://claddaghflorida.com/listings/30-riverwalk-drive-n/

www.CladdaghFlorida.com

Fun Facts and Laughs

Free Internet Radio Websites . . .

www.pandora.com – Listen to the music you love. Type in a song or artist and it creates a “station” just for you.

www.spotify.com – Select from thousands of songs and play them on demand. It connects to Facebook so your friends can see what you’re listening to.

www.iheart.com – Access more than 1,500 live radio stations from every genre. Download their app for Apple and Android devices.

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Sleep Positions To Feel Better . . .

If you’re a snorer, sleep on one side or the other. If you sleep flat on your back, your throat narrows, causing those dreadful noises. Good to know if you have a condition called sleep apnea.

If you have heartburn, sleep on your left side. This makes it harder for stomach acid to leak into your esophagus. Also, consider raising the upper part of your body by using a wedge pillow or putting blocks under the head of your bed.

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Great Organizing Tool . . .

Need to organize volunteers for an event or project? Check out www.signupgenius.com. It confirms who is available and sends reminders.

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     The Claddagh

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Love

Loyalty & Friendship

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Would You Like To Know How Much YourNeighbor’s Home Listed Or Sold For?

Maybe you’re just curious. Or maybe you want to know how much your home is worth. Either way, We can help…with no “sales pitches” or run-arounds. Call us at 386-246-7287 or email us by clicking here and we will give you all the facts.

Trivia Challenge for the Month…
“Who Else Wants To Win Two Free Movie Tickets?”

Guess who won last month’s Trivia Question? We are pleased to announce the lucky winner of last month’s quiz. And the winner is…drum roll please: Margaret Mahoney Haverhill, MA was the first person to correctly answer our quiz question.

Model and television personality Tyra Banks is allergic to which of the following:

a) Chocolate   b) Dogs   c) Cats   d) All of these
The answer is b) Dogs. So, let’s move on to this month’s trivia question.

What is the longest running animated series on U.S. television?

a) The Flintstonesb) South Parkc) The Simpsonsd) Scooby-Doo

EMAIL US BY: Clicking Here OR Call Us At 386-246-7287 And You Could Be Our Next Winner!

Brain Teaser Answer:

A glove

Thanks For Thinking of US!

Did you know we can help you or any of your friends or family save time and money when buying or selling a home? Thanks for keeping us in mind with your referrals…and spreading the word about our services.

Real Estate Q & A . . .
Q.  What factors affect the value of my home when I sell it?

 

A. If you’re thinking about putting your home on the market, here are some of the most important factors affecting its value:

  • Comparable homes in the area that sold in the past 30-90 days. If some of the recent sales were short sales or foreclosures, it may affect the value of your home. Also, the more homes currently available for sale, the lower the value your home may have.
  • Your location. Access to highways or public transportation, the quality of your school district, and too few (or too many) commercial or residential developments can have an effect on a home’s value.
  • Major home systems. If your water heater, electrical, or heating and air-conditioning systems aren’t working properly it can have a significant affect on the price a buyer pays for your home.

Do you have a real estate question you want answered? Feel free to call us 386-246-7287 or email us by clicking here. Perhaps we will feature it in our next issue!

Our sincere condolences go out tp Patsey Driskell, GA whose husband Craig recently passed away. Craig, was laid to rest on July 8th. in a  military Funeral in Andersonville National Cemetary, GA. Patsey & Craig recently sold their home in Flagler Beach.
THANK YOU… for reading our Service For Life!® personal newsletter.  We wanted to produce a newsletter that has great content and is fun and valuable to you.  Help your friends get more out of life by forwarding this email to them…
Share this issue with family and friends --- Forward To A Friend

 

Check out the June edition of our Monthly Newsletter!

Check out the June edition of our Monthly Newsletter!

Insider Tips for Healthy, Wealthy and Happy Living
      Charles & Noeleen Duffy’s….       June..Newsletter 2014                   Shamrock 4
Service For Life! ®
Inside This Issue…

 

  • Never Use Your Debit Card In These Places…
  • How To Easily Defuse An Angry Person…
  • Fun Facts and Laughs: 3 Popular Diet Myths, Yummy Secret Recipes, And More…
  • Trivia Challenge: Win Two Free Movie Tickets
  • Real Estate Q&A: What Landscaping Will Attract Buyers To My Home?..
If you’re not already a subscriber to my free e–newsletter email me to sign–up
Noeleen & Charles Duffy Charles & Noeleen Duffy Claddagh Florida PropertiesPhone: 386-246-7287Email: Charles@CallChas.com
Dear Friend’s,If you use your debit card for online purchases or when you pay-at-the-pump to buy gas, you’re putting your bank account at risk. You can learn where else you shouldn’t use your debit card and ways to protect yourself in this month’s Service For Life!® Free consumer newsletter.You’ll also learn how to easily defuse an angry person, some quick tips for saving money on a cruise – plus fun facts, a trivia challenge, and lots more.

Charles & Noeleen Duffy Broker/Owner’s®Claddagh Florida PropertiesCharles@CallChas.comPhone: 386.246.7287

www.CladdaghFlorida.com

P.S.  When you notice people talking about real estate in the next few weeks, can you tell them about the free consumer information we provide?

They may be people who are moving out of town this summer and need to sell their home before they go. Help them out in a big way by getting our easy checklist of inexpensive ways to make buyers instantly attracted to a home. It’s all included in our Free Consumer Report “Make Your Home Show Like A Model Without Breaking The Bank”. To request a copy for a friend, simply email us by clicking here.

Today’s Brain Teaser . . .

Eskimos are very good hunters, but they never hunt penguins.

Why not?

(see answer below)

Check out Virtual Tour on Sally Bonnell’s Property For Sale!!

http://claddaghflorida.com/listings/19-n-creek-court/

3 Places To Never UseYour Debit Card

Debit cards help keep your spending in check because you can only spend as much as you have in your account, but they can also be risky to use. Here are three places where you shouldn’t use your debit card:

    • Online purchases. Your debit card number can be stolen at many points, and you may not know you’ve been hacked for weeks.

 

    • At pay-at-the-pump gas stations and ATM machines not operated by a bank. These terminals are vulnerable to being outfitted with illegal “skimming” devices that can capture your information.

 

  • On big-ticket items. Most credit cards offer extended warranties on merchandise if there’s something wrong after the manufacturer’s normal warranty period.

Credit cards can still be lost or stolen, but they have two main advantages over debit cards:

First, credit cards have an extra layer of defense because the money isn’t taken directly out of your bank account. If someone steals your debit card, you may not be able to pay bills, which also can affect your credit score. But fraudulent charges on a credit card can be disputed before the money is taken out of your bank account.

Second, under federal law, your losses from unauthorized charges on your credit card are limited to $50, without a time limit on reporting the problem. Many credit card issuers will waive the charge if you ask. If your debit card is missing and you call your bank within two business days, your losses from fraudulent charges are limited to $50. However, if you wait to tell your bank about a lost or stolen debit card, you could be responsible for up to $500. What’s more, if you don’t report the fraudulent withdrawal on your statement within 60 days, you’re liable for an unlimited amount.

If you’d rather use a debit card, you should always review your bank statements and ask about your bank’s fraud liability protection program. Some banks (such as Bank of America) offer additional protection, including adding your photo to your debit card to prevent others from using it.

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Warning Before You Sell Your Home…

Don’t put your home on the market without our Free Consumer Guide titled, “How To Avoid 7 Costly Mistakes When Selling Your Home.” To request your copy, email us by clicking here.

How To Easily DefuseAn Angry Person

Have you ever been in a heated argument with a friend, coworker, or your spouse and didn’t know what to do? Use the following steps to resolve the conflict and end on a positive note:

STEP 1: Make a conscious decision not to react.

Instead of fighting back, be prepared to listen and understand their perspective. Don’t feed into their anger. They may want a fight. When they shout, stay silent. When they get closer, back away. When they speak fast, just listen, and speak calmly. Never point fingers, both literally and figuratively. Don’t get into a “what is right and what is wrong” match with them. Don’t make your goal to educate them on what you see is the right way to do things.

STEP 2: Listen for the underlying issue.

It may not be about you at all, but something you said or did triggered their emotions. Try not to take their words personally and try to understand what they’re really trying to communicate.

STEP 3: Identify a reasonable solution.

If you did do something wrong (such as taking credit for this person’s idea in a meeting), acknowledge your mistake and say what you’ll do to amend the situation (make it clear who should get the credit for the idea in the next meeting). If you weren’t at fault, suggest a reasonable solution that acknowledges you heard what they were telling you, and move on. Demonstrating respect for the other person is the key toward defusing a person’s rage quickly.

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FREE Consumer Help IsJust A Click Away!

Learn valuable secrets for saving thousands and avoiding costly mistakes when buying, selling or refinancing a home. Best of all, it’s FREE. Email about our “Insider’s Free Resources” by clicking here.

Fun Facts and Laughs

3 Popular Diet Myths . . .

You may be depriving your body of the energy and nutrients you need because you believe these diet myths:

Myth #1: Cut back on the meat in your sandwiches. The problem isn’t the protein – it’s the carbs. Try eating one slice of bread (or no bread) and adding vegetables to the meat to cut carbs and calories.

Myth #2: The less fat you eat the better. Your body needs fats, but eat them in the form of nuts, seeds, and fish. Limit or avoid saturated and trans fats found in butter, high-fat dairy, and processed foods.

Myth #3: To lose weight, just cut calories. The best way to lose weight is to cut calories while still eating the same amount of nutritious food and increasing physical activity. Eat foods that fill you up with fiber and protein instead of calories. For example, substitute higher-calorie ingredients (such as noodles) with lower-calorie fruits and vegetables (like a cup of broccoli).

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Save On Your Next Cruise . . .

Cruises are a great way to see the world on a budget, and here are a few tips to save you even more money:

  • Limit shore excursions offered by the cruise line. Booking excursions directly can save you 20% or more. Research ports of call in advance for sightseeing and “non touristy” shopping.
  • Don’t sign up for onboard internet. Use an internet cafe at a port of call that is either free or only charges you for the few minutes you spend online. Besides, it’s a vacation, isn’t it?
  • Check your medical coverage before you go. If you’re not covered for medical care overseas, consider buying travel insurance to avoid a large emergency medical bill.
  • Consider buying beverage packages. Go to www.fodors.com and search “cruise ship drink packages are they worth it.” Some cruise lines let you bring your own water or soft drinks onboard.

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         The Claddaghcladdagh-ring-lrg 5 LoveLoyalty & Friendship

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www.Claddaghflorida.com

Charles@CallChas.com

Phone 386.246.7287

Yummy Secret Recipes . . .

Do you want to make a “Bloomin’ Onion” from Outback Steakhouse or a barbecue chicken pizza inspired by California Pizza Kitchen? Restaurants won’t share their recipes but you can find delicious imitations at www.foodnetwork.com. Search for “secret restaurant recipes.”

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Have A Laugh . . .

Did you hear about the senior citizen driving on the highway? His wife called him on his cell phone and in a worried voice said, “Herman, be careful! I just heard on the radio that there is a madman driving the wrong way on Route 280!” Herman replied, “I know, but there isn’t just one, there are hundreds!”

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Please Welcome New Clients And GoodFriends Into Our Real Estate Family…

We would like to take a moment to personally introduce and welcome a few of our newest clients and good friends who have supported our business over the years. And special thanks for everyone who thought of us with your referrals!

Dick Bossen,Palm Coast, thanks for all your refferals Dick!

Thanks also to Ernie D’Agostino,MA for introuducing your friends

Neil & Terry Hussey,NH. Welcome to Palm Coast Neil & Terry!

 

Trivia Challenge for the Month…
“Who Else Wants To Win Two Free Movie Tickets?”

Guess who won last month’s Trivia Question? We are pleased to announce the lucky winner of last month’s quiz. And the winner is…drum roll please: Lori Comeau Andover,MA was the first person to correctly answer our quiz question.

Leonardo da Vinci envisioned many ideas before the technology to build them existed. Which of the following did he not “invent”?

a) helicopter   b) parachute   c) printing press   d) scuba gear
The answer is c) printing press. Johannes Gutenberg is credited with inventing the movable-type printing press in 1450. So, let’s move on to this month’s trivia question.

Model and television personality Tyra Banks is allergic to which of the following:

a) Chocolateb) Dogsc) Catsd) All of these

EMAIL  BY: Clicking Here OR Call Us At 386-246-7287 And You Could Be One Of our Next Winners!

Brain Teaser Answer:

Eskimos live at the North Pole, penguins live at the South Pole.

Thanks For Thinking of Us!

Did you know we can help you or any of your friends or family save time and money when buying or selling a home? Thanks for keeping us in mind with your referrals…and spreading the word about our services.

Real Estate Q & A . . .
Q.  What landscaping will attract buyers to my home?

 

A. Here are some ideas to get more offers on your property.

    • Consider a low-maintenance landscaping concept. Having little or no natural grass and rock gardens is perfect for busy professionals and retirees looking at your home. Also, consider using native plants because they are colorful, require little fertilizer, and need no additional water or special attention.

 

    • Keep your foundation plants pruned. Make sure plants are low enough against the windows and railings. This keeps a well- maintained appearance and makes your home look more secure.

 

  • If you are short on time, hire a professional. A professional landscaper can rid your yard of weeds and dead spots. This ensures a healthy-looking yard.

Learn more about selling your home in our Free Consumer Report called “4 Steps To Stage Your Home For A Fast Sale.” Call us and we’ll send a copy right over to you.

Do you have a question you want answered related to real estate or home ownership? Feel free to call us at 386-246-7287 or email  by clicking here. Perhaps we will feature your question in our next issue!

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THANK YOU… for reading our Service For Life!® personal newsletter.  We wanted to produce a newsletter that has great content and is fun and valuable to you.  Help your friends get more out of life by forwarding this email to them…

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Check Out Our May Newsletter!

Check out the May edition of our Monthly Newsletter!

Insider Tips for Healthy, Wealthy and Happy Living

    Noeleen & Charles Duffy’s…May

 Newsletter 2014 

    Shamrock 2

Service For Life! ®
Inside This Issue…

 

  • Save Money With These Last-Minute Travel Deals…
  • 5 Shockingly Salty Foods…
  • Fun Facts and Laughs: Websites To Bring Photos To Life, 4 Odd Uses For Coffee Grounds, And More…
  • Trivia Challenge: Win Two Free Movie Tickets
  • Real Estate Q&A: What’s The Purpose Of A Home Inspection?…
If you’re not already a subscriber to our free e–newsletter email me to sign–up
Noeleen & Charles Duffy Noeleen & Charles Duffy Claddagh Florida PropertiesPhone: 386-246-7287Email: Charles@CallChas.com
Dear Friends…If you’re thinking about taking a vacation in the next few months but haven’t booked your hotel or airfare yet, you may be shocked at the expensive prices. That’s why we’d like to pass on the best resources to get last-minute deals and slash your travel costs in this month’s Service For Life!® Free consumer newsletter.You’ll also learn about five foods that are adding unhealthy amounts of salt to your diet, three websites to bring your photos to life – plus fun facts, a trivia challenge, and lots more.

Noeleen & Charles Duffy

          Broker Owners

Claddagh Florida Properties

Phone:386-246-7287

 Charles@CallChas.com

http://www.CladdaghFlorida.com

P.S.  When you notice people talking about real estate in the next few weeks, can you tell them about the free consumer information we provide?  Request a copy for a friend by clicking here.

Today’s Brain Teaser . . .

I have streets but no pavement,

I have cities but no buildings,

I have forests but no trees,

I have rivers yet no water.

What am I?

(see answer below)

Check out Virtual Tour on  Bill McDonagh’s Property For Sale!!

http://claddaghflorida.com/listings/30-riverwalk-drive-n/

Save $$$ With TheseLast-Minute Travel Deals

Hotels, cruise ships, and airlines need to stay at maximum capacity to run efficiently so they frequently offer rock-bottom prices at the last-minute to get rooms and seats filled. Try these resources for savings:

 

    • Check social media sites. Airlines and hotels post last-minute deals on their Twitter feeds, such as @JetBlueCheeps, @VirginAmerica and @AllegiantAir. Also, you can “like” the following Facebook pages for last-minute deals and travel tips: Facebook.com/Flightz and Facebook.com/LastMinuteTravel.

 

    • Go where the deals take you. Plan where you go based on who has the best deal. Websites for cruises leaving within 90 days are www.vacationstogo.com or www.lastminutecruises.com. You may get as much as 60 percent off. If you want a beach vacation but can’t afford Hawaii, keep Florida, Mexico, or California in mind.

 

    • Get the best airfare. If you’re flexible and can act fast, go to www.farecompare.com and click on “Deals.” You also can sign up for “Airfare Alerts” and track fares to your favorite cities. Another excellent fare comparison site is www.kayak.com.

 

  • Find a hotel for tonight. Use the mobile app Hotel Tonight (iTunes store or Google Play) to find a great deal. It’s good for 55 U.S. cities, six in Canada, plus cities in Europe and Mexico.
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Thinking Of Selling Your Home Soon?

Don’t attempt to sell your home without our Free Consumer Guide, “6 Steps For Selling Your Home For TOP DOLLAR.” Our exclusive report will give you all the facts for a fast, top dollar sale. To request your copy, email me by clicking here.

5 Shockingly Salty Foods…

You do need some sodium from salt to function, but each person consumes an average of 3,400 milligrams a day, compared to the recommended limit of 2,300 mg (1,500 for those with heart disease risk). Excess sodium causes high blood pressure, which can lead to heart failure.

How do you halt the salt? Cut back on the primary source of salt in your diet: pre-packaged, processed, and restaurant food. Read labels and menus and watch your intake of these five shockingly salty foods:

    • Bagels. One plain bagel can contain 460 mg of sodium (19 percent of what you should get daily). That’s without the cream cheese (100 mg for two tbsp). Try Ezekiel low sodium whole grain bread.

 

    • Bottled salad dressing. It’s convenient but you’ll get up to 300 mg of sodium per two tablespoons. Plus, sugar-free and fat-free versions often contain more sodium to boost flavor. Control the amount of sodium by making simple dressings at home with olive oil and herbs like rosemary, thyme, and oregano.

 

    • “Reduced-sodium” foods. This term means that a food has only 25 percent less sodium than the original product. You’re better off looking for a label that says “low sodium” (140 mg or less per serving) or “very low sodium (35 mg or less).

 

    • Fast-food salads. Fast food is loaded with sodium (a Quarter-Pounder with cheese: 1190 mg), but a salad may not be much better. A MacDonald’s Bacon Ranch Salad with Grilled Chicken contains 1000 mg. Best bet: Use the salad bar but go easy on the dressing.

 

  • Chicken breasts. Raw chicken is often injected with a high-sodium flavoring solution. Look for the words “non-enhanced” on the label or make sure you buy an organic product.
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Thank You! Thank You! Thank You!Thank You! Thank You!

Thanks to all of our clients and friends who support our practice and graciously referred us to your friends and neighbors! Rather than pester people with unwanted calls and visits, We build our business based on the positive comments and referrals from people just like you. We couldn’t do it without you!

Thanks to Patsey Driskell & Craig Pickett, GA, for their buisness, as always it’s much appreciated!!!!

Fun Facts and Laughs

Websites To Bring Photos To Life . . .

www.animoto.com – Turn your photos into a video with music and effects.

www.kizoa.com – Lets you make a video, slide show, or collage to share with your friends.

www.capzles.com – Tell your story through a time “capzle” and post on social media.

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4 Odd But Helpful Uses For Coffee Grounds . . .

Cleaning abrasive. Use them to cut grease and baked-on foods.

Air freshener. A jar of grounds absorbs odors from your car or refrigerator.

Secret food ingredient. They make a great tenderizing rub on meat.

Skin exfoliator. Combine them with olive oil and your favorite oil essence to make an affordable facial.

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Quotes To Live By . . .

If opportunity doesn’t knock, build a door.

–Milton Berle

The most beautiful things in the world cannot be seen or even touched – they must be felt with the heart.

–Helen Keller

It’s not whether you get knocked down, it’s whether you get up.

–Vince Lombardi

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          The Claddagh

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Love

Loyalty & Friendship

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Here’s A Free, Valuable Resource…

Now You Can Search The Home Market, Get Helpful Community Information, AND Receive Important Resources For Saving Time And Money When Buying Or Selling At www.CladdaghFlorida.com

Trivia Challenge for the Month…
“Who Else Wants To Win Two Free Movie Tickets?”

Guess who won last month’s Trivia Question? We are pleased to announce the lucky winner of last month’s quiz. And the winner is…drum roll please: Maureen O’Connor Palm Coast, Florida   was the first person to correctly answer our quiz question.

Which weekly television series on NBC was the first to air completely in color in 1959?

a) Dennis The Menace   b) The Twilight Zone
c) Hawaiian Eye   d) Bonanza

The answer is d) Bonanza. The western, which ran from 1959–1973, was also known for its famous theme song. So, let’s move on to this month’s trivia question.

Leonardo Da Vinci envisioned many ideas before the technology to build them existed. Which of the following did he NOT “invent”?

a) helicopterb) parachutec) printing pressd) scuba gear

EMAIL ME BY: Clicking Here OR Call Me At 386-246-7287 And You Could Be One Of our Next Winners!!!!

Brain Teaser Answer:

A map!

Thanks For Thinking of Us!

Did you know we can help you or any of your friends or family save time and money when buying or selling a home? Thanks for keeping us in mind with your referrals…and spreading the word about our services.

Real Estate Q & A . . .
Q.  What’s the purpose of a home inspection?

 

A. A home inspection is performed after the buyer and seller have entered into a written contract. It’s a review of the home’s condition, including the heating system, attic, foundation, and a mold review. The point is to identify any area of the home that needs replacement or repair. You’ll use the report to set the final price of your purchase.

You may choose to buy the house and make the repairs, or you may walk away from the property if the costs would be too high for your budget and the sellers refuse to lower the price or make the repairs. You can get your earnest money back provided your contract has a “sale contingent on inspection” clause.

You’ll also need to get an appraisal, which serves to assess a value to the property. You need to know that the property you’ve selected will appraise at or above the amount you’ve contracted to pay for it.

Want to learn more? Ask for my Free Consumer Report called “Top 10 First-Time Homebuyer Mistakes To Avoid.” I’ll send a copy right over to you.

Do you have a question you want answered related to real estate or home ownership? Feel free to call me at 386-246-7287 or email me by clicking here. Perhaps I’ll feature your question in our next issue!

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THANK YOU…