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…

 

 

 

Check Out our April Newsletter!

Check out the April edition of our Monthly Newsletter!

Charles & Noeleen Duffy’s…
             April Newsletter 2014       Shamrock 2014 4                         
Service For Life! ®

 

Inside This Issue…

 

  • Avoid The ‘One-Ring’ Cell Phone Scam…
  • Think Twice Before You Make These Home Renovations…
  • Fun Facts and Laughs: Legal Information Websites, Trendy Social Media, And More…
  • Trivia Challenge: Win Two Free Movie Tickets
  • Real Estate Q&A: What Mistakes Should I Avoid When Selling My Home?…
If you’re not already a subscriber to our free e–newsletter email me to sign–up
Noeleen & Charles Duffy  Charles & Noeleen DuffyBroker Owner’sCladdagh Florida PropertiesPhone: 386-246-7287http://www.CladdaghFlorida.com
Dear Friend…There are lots of scams out there but there’s one in particular that’s been catching people off guard lately. If you miss a cell phone call and automatically call the number back to see who called, it may cost you a big fee on your next bill. You can learn more about the “one-ring” scam (and it may be more than one ring) and how to avoid it in this month’s Service For Life!® Free consumer newsletter.You’ll also learn some do’s and don’ts to think about if you’re planning a home renovation, what social media teens are now using instead of Facebook – plus fun facts, a trivia challenge, and lots more.

  Charles & Noeleen Duffy Broker Owner’s

  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?

They may be people getting married soon and looking to buy their first home, and you can tell them about our Free Consumer Report: “Top 10 First-Time Homebuyer Mistakes To Avoid.” You’ll be helping them start marriage off by avoiding costly mistakes when buying and financing their home. To request a copy for a friend, email us by clicking here.

Today’s Brain Teaser . . .

You may enter, but you can’t come in,

I have space, but no room,

I have keys, but open no lock.

What am I?

(see answer below)

Check out Sally Bonnell’s Sailboat Property For Sale!!

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

Avoid The ‘One-Ring’ Scam

When you miss a cell phone call, do you automatically call the number back to see who called? If you don’t recognize the number or it’s “unknown,” it may be a big mistake. If the phone rings once (or sometimes more than once) and you return the call, you may be charged a $19.95 international fee plus $9 a minute for the duration of the call on your next cell phone bill. Here’s how to avoid being a victim:

    • Look at the area code. These calls are primarily coming from Antigua and Barbuda (268), the British Virgin Islands (284), the Dominican Republic (809), Grenada (473), Jamaica (876) and Turks & Caicos Islands (649). If you call back, you’ll be asked to “hold for the operator,” incurring more charges.

 

    • Search the number online to see if there are scam reports. But when in doubt, don’t call back.

 

    • If you do return the call, notify your cell phone carrier immediately. Tell them you’ve been a scam victim, give them the details, request a refund, and ask if you can restrict “third-party billing” on your account. Verizon, for example, offers a free service called “Bill Block,” but you need to ask for it. Get it for both your cell phone and landline.

 

    • Monitor your phone bills. These costs may show up as “premium services.” You should also check your mobile phone carrier’s policy on refunds for fraudulent charges. Some carriers may have a 60-day period for refund requests.

 

  • File a complaint with the Federal Trade Commission. Go to www.ftc.gov/complaint and click on the FTC Complaint Assistant icon. While the FTC can’t resolve individual complaints, they use the information to crack down on scammers.
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Save Thousands When Buying A Home!

Did you know there’s a free consumer report revealing ways to save time and money when buying a home? It’s called “8 Secrets For Saving Thousands When Finding and Buying Your Next Home,” and it’s great even if you’re not planning to buy soon. To request your copy, email me by clicking here.

Think Twice Before Renovating

If you’re planning a home renovation, do it for your own enjoyment. But if you might move in a few years, know that some projects won’t generate the return you hoped for. Here are some do’s and don’ts.

Do consider these upgrades:

    • Replace your kitchen countertops with stone or granite (check material cost calculators at www.homewyse.com). Paint your cabinets and add new handles.

 

    • Modernize the bathrooms. A total renovation can cost thousands, but just replacing the vanity in one bathroom with a granite top and dark-wood cabinets will make a huge difference. For example, you can find one at Costco for about $600.

 

  • Make your home more energy efficient. Buy energy-efficient appliances, insulate your attic, seal air leaks around the house, and install a programmable thermostat. While these upgrades may not be obvious, they will save you money and buyers will appreciate them.

Enjoy these, but you may not get a return on your investment:

    • Installing a pool. A pool is entertaining, but it can be a liability when you sell. Buyers worry about safety and maintenance.

 

    • Creating a dedicated home office. It’s appropriate if you work at home and use it everyday, but if you just use it to pay bills, make sure the room can also be used as a den or spare bedroom.

 

  • Over-renovating for your neighborhood. If you spend $25,000+ on a new kitchen, you may price yourself out of the local market when it comes time to sell.
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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.

Fun Facts and Laughs

Legal Information Websites . . .

www.nolo.com – Get answers to your business and legal questions.

www.allLaw.com – Access legal articles, estate planning apps, legal forms and legal calculators.

www.findLaw.com – Find a lawyer or watch videos on legal topics.

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What’s Popular With Teens Besides Facebook? . . .

Teens aren’t using Facebook as much as they used to (probably because so many adults use it). These free mobile apps (for iPhone and Android devices) are what’s popular now:

SnapChat – Send “snaps” (photos, videos and captions) that self-destruct a few seconds after they’ve been viewed.

Vine – Create 6-second videos to share with friends. (Owned by Twitter)

Instagram – Take a picture or video, add a filter to make it look cool, and post it instantly for others to see. (Owned by Facebook)

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Create A Family Health History Online . . .

Your family health history can help your doctor take better care of you. Use the tool at: familyhistory.hhs.gov and share the results with your family members.

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                     The Claddagh
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      Love, Loyalty & Friendship

Logo L  B http://www.CladdaghFlorida.com

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A Heartfelt Message To OurSpecial Clients and Friends…

We want to share a little secret with you. We don’t spend our time cold calling or pestering people for business. Instead, we focus 110% of our efforts on giving such outstanding service that people naturally think of us when a friend, neighbor or family member needs a caring and competent REALTOR®.

We would like to take a moment to acknowledge and thank a few of the special people in our life who’ve helped build our business with their enduring support and referrals. We couldn’t do it without you!

A big thanks toMike & Mary Beth Boyle, your business is much

appreciated!

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:  Marion Carrozza Rye, New Hampshire was the first person to correctly answer our quiz question.

Who holds the record for the most consecutive victories on the PGA Tour?

a) Jack Nicklaus   b) Tiger Woods
c) Byron Nelson   d) Arnold Palmer

The answer is c) Byron Nelson. He had 11 consecutive wins in 1945! Following him is Tiger Woods with 7 consecutive wins in 2006-2007. So, let’s move on to this month’s trivia question.

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

a) Dennis The Menaceb) The Twilight Zonec) Hawaiian Eyed) Bonanza

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

Brain Teaser Answer:

A computer keyboard!

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 big mistakes should I avoid when selling my home?

 

A.  There are plenty of mistakes you can make when you sell your home but most can easily be avoided. Here are three important ones:

  • Pricing Your Home Incorrectly. You need to set the right price when you put it on the market. If you start high, you may keep buyers and other real estate agents away. If you lower your price in increments, it may be too late, as the home may already be viewed as “overpriced.”
  • Failing To Stage Your Property. You don’t get a second chance to make a first impression! Look at your home from a buyer’s point of view: clean it up, clear the clutter and get it in model-home shape.
  • Selecting The Wrong Agent. You need to hire a REALTOR® who understands your goals and will meet your needs.

Learn more about selling your home in my Free Consumer Report called “How To Avoid 7 Costly Mistakes When Selling Your Home.” Call us and we will 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 us by clicking here. Perhaps we will feature your question in our next issue!

  Here’s what’s happening in Flagler County, Florida:
.The number of homes SOLD in Flagler County from January 1, 2014 to March 31 is down over 6% compared to the same period last year. The extremely cold weather up north and the chilly weather in Florida certainly impacted the market.   However, the good news for sellers is that those homes SOLD commanded a higher price than homes SOLD during the same period in 2013. One of the reasons for the increase in selling prices stems from the fact that the distressed property market is no longer majorly impacting the local market.  A shortage of listed properties is another factor to consider. So this is a good time for sellers to put their property on the market and buyers would be wise to buy now before prices get any higher.

Smiley Face 2014 3                Smiley Face 2014 3                   Smiley Face 2014 5

Happy Seller            Happy Buyer                   Happy Realtor

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…

 

March Newsletter

 Check out our March edition of our Monthly Newsletter! 

 
Charles & Noeleen Duffy’s….   March Newsletter 2014 
Service For Life! ®
Insider Tips for Healthy, Wealthy and Happy Living
happy-st-patricks-day 3We were born and raised in Dublin, Ireland and immigrated to this great country with our 4 children 25 years ago.  We settled in St Mary’s Ohio for 14 years and our entire family relocated to Florida 11 years ago.  We love living in Palm Coast with all of the great biking trails and glorious beaches, not to mention the sunshine! March is a special month for the Duffy family and we enjoy  celebrating St Patrick’s Day with our friends and family. Happy St. Patrick’s Day everyone!Inside This Issue…

 

  • 7 Major Financial Mistakes & How To Avoid Them…
  • Save Money On These Simple Home Repairs…
  • Fun Facts and Laughs: What To Do If Your E-mail Is Hacked, Great Travel-Planning Websites, And More…
  • Trivia Challenge: Win Two Free Movie Tickets
  • Real Estate Q&A: My Home Didn’t Sell The First Time. What Should I Do Now To Get It Sold?…
If you’re not already a subscriber to my 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…All it takes is one emergency to disrupt your short-term financial goals such as taking a vacation this year or even long-term plans for when you can retire. That’s why we want to share how to avoid seven major financial mistakes in this month’s Service For Life!® Free consumer newsletter.You’ll also learn three do-it-yourself home repairs that will save you money, fast fixes if your e-mail is hacked, and great travel websites to plan your next trip – plus fun facts, a trivia challenge, and lots more.

Noeleen & Charles Duffy

Broker/Owners

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 we provide?

They may be people wanting to move this year, and you can tell them about my Free Consumer Report: “How To Avoid 7 Costly Mistakes When Selling Your Home”. You’ll give them a huge boost in confidence because this guide shows how to net the most money from a home sale in the least amount of time. To request a copy for a friend, simply email me by clicking here.

Today’s Brain Teaser . . .

People are hired to get rid of me.

I’m often hiding under your bed.

In time, I’ll always return you see.

Bite me and you’re surely dead.

What am I?

(see answer below)

Check out Sally Bonnell’s Sailboat Property For Sale!!

http://vtours.virtualonlinetours.com/43872

7 Major Financial Mistakes& How To Avoid Them

Watch out for these seven mistakes that could cost you big time:

    1. Not having an emergency fund. Keep at least three months’ worth of your expenses in an account so you’re not using credit cards to pay for unexpected events, such as a job loss or medical expense.

 

    1. Not having a budget. Take your income minus your fixed expenses, and the difference is what you can spend each month. Track your spending using tools like www.mint.com.

 

    1. Not saving for retirement. Be sure to take advantage of your employer’s retirement savings plan, and open your own retirement savings account.

 

    1. Not paying bills on time. Late payments affect your credit score. Sign up for a free service such as www.manilla.com, which lets you organize your bills in one place and sends you bill pay reminders.

 

    1. Not planning for your children’s education. Consider investing in a 529 education savings plan or look at a program such as www.Upromise.com, which lets you save money for college by purchasing from major online retailers. Also, research scholarship opportunities for your student at www.fastweb.com.

 

    1. Not monitoring your credit history. Get a free credit report every year from the three credit reporting companies by going to www.annualcreditreport.com. Check it for accuracy to ensure you’re not a victim of ID theft or fraud.

 

  1. Not paying down credit card debt before everything else. If your credit card interest is 20% and your mortgage interest is 5%, pay off the credit card debt to avoid paying more in interest over the long term. To learn how long it will take to pay off your credit card, use the www.bankrate.com under “credit card”.
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Learn How To Maximize TheValue Of Your Home!

Did you know there’s a free consumer report showing what to fix to net the most value for your home? It’s called “Make Your Home Show Like A Model Without Breaking The Bank” and it’s an essential guide to homeowner profits. To request your copy, simply email me by clicking here.

Save $$$ On Home Repairs

Sometimes you can just do-it-yourself. Here are three simple home repairs almost anyone can do:

Caulking. Save energy costs by using caulk to seal air and water leaks. Use 100% silicone caulk (available at a hardware store), because it’s waterproof and shrink-resistant. Remove old caulk with a razor blade, outline the area with masking tape, and use a caulk gun to apply new caulk. Smooth it with your finger and remove the tape.

Cleaning grout. If you’re tired of scrubbing, buy a grout color restorer at Home Depot or Lowes. Stone Care International’s Grout Ink, for example, comes in white, earth tone, or gray for about $8 a tube. Clean the surface, apply a coat and let dry. Do a second coat.

Fixing squeaky doors. Shut the door and pull out the center pin from one hinge. Clean the pin with a scrubbing pad and coat it with petroleum jelly. Put the pin back in and open and close the door a few times. Repeat with other hinges if necessary.

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Are You Our Clients Of The Month?

Every month we choose a very special Client Of The Month. It’s our way of acknowledging good friends and saying “thanks” to those who support us and our business with referrals, word of mouth and repeat business.

This month’s Clients Of The Month are Rich & Jean Albertson who recently relocated from New Jersey.  Jean & Rich built a beautiful new home in Palm Coast, Congratulations Rich & Jean! And a huge thanks to Alan & Janet Hendry for referring Jean & Rich to us.

You might be our next Clients Of The Month too! Watch for your name here in an upcoming month.

Fun Facts and Laughs

Great Travel-Planning Websites . . .

www.tripit.com – Create a detailed itinerary of car rentals, restaurants & hotels, and even keep up with the weather.

www.lonelyplanet.com – Follow the discussions of those who have just come back from your travel destinations.

www.plnnr.com – Create free automatic travel itineraries for major cities in the U.S. and Europe.

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What To Do If Your E-mail Is Hacked . . .

If your friends and family say they got a spam message from you, your email may have been hacked. Try these fixes:

Change your e-mail account password. Use phrases, upper/lower case letters, numbers, and symbols. Don’t use your birthday!

E-mail your contacts immediately. Tell them your account was hacked and they shouldn’t open your e-mails containing suspicious links or requests for money.

Check your security levels. Firewalls usually block hackers. Do an anti-virus update and run a scan on your system.

Don’t click on anything in suspicious e-mails. That’s probably how your e-mail got hacked in the first place.

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Remember These Classic Candies? . . .

• Bit-O-Honey — Honey-flavored taffy guaranteed to remove your fillings.

• Bubble-gum cigars & cigarettes — Yes, they sold these to kids!

• Little Wax Bottles filled with a sugary liquid — you can still find them out there!

• Clark’s Teaberry Gum — It even had its own song called The Teaberry Shuffle.

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claddagh-ring-lrg 7
Love, Loyalty & Friendship

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 my “Insider’s Free Resources” by clicking here.

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

Guess who won last month’s Trivia Question? I’m pleased to announce the lucky winner of last month’s quiz. And the winner is…drum roll please: Sally Boycell, PA, was the first person to correctly answer our quiz question.

What was the highest grossing movie of the 1990s?

a) Titanic   b) The Lion King   c) Jurassic Park   d) Men In Black
The answer is a) Titanic, which had $658 million in ticket sales. So, let’s move on to this month’s trivia question.

Who holds the record for the most consecutive victories on the PGA Tour?

a) Jack Nicklausb) Tiger Woodsc) Byron Nelsond) Arnold Palmer

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

Brain Teaser Answer:

Dust

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.  I just took my home off the market because it didn’t sell. What can I do now to try to sell it again?

 

A.  The biggest things to consider are the home’s price and its condition.

You may have set the price too high, keeping buyers and real estate agents away. If you lowered your price in increments, it may have been too late since it was already viewed as an “overpriced” home. Also, look at your home’s condition from a buyer’s perspective. Is there more you can do to make it stand out from other homes for sale?

It may be time to hire not just a REALTOR®, but a Home Marketing Expert. This is an agent who understands your needs and can use their expertise to re-evaluate the price plus share easy ways to make your home appear more attractive to buyers.

To learn more about how to sell your home quickly, call and ask for my Free Consumer Report called “4 Tips To Guarantee Your Home Sells The Second Time.” 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 my 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…
Share this issue with family and friends --- Forward To A Friend
Copyright (c) 2014 by Forte Communications, Inc.

Checkout our February 2014 Newsletter!

Checkout our February 2014 Newsletter!

 
Charles & Noeleen Duffy 
February Newsletter 2014   
Service For Life! ®
Insider Tips for Healthy, Wealthy and Happy Living
The Claddaghcladdagh-ring-lrg 4

Love, Loyalty & Friendship
Inside This Issue…

 

  • Can You Tell If That Review Is Real Or Fake?…
  • 3 Reasons Why You Should Eat This Type of Chocolate…
  • Fun Facts and Laughs: Using Credit Cards Overseas, Websites For Car Sellers & Buyers, And More…
  • Trivia Challenge: Win Two Free Movie Tickets
  • Real Estate Q&A: What Should I Do To Find The Right Home At The Right Price?…
If you’re not already a subscriber to our free e–newsletter email me to sign–up
Noeleen & Charles Duffy Charles & Noeleen Duffy Claddagh Florida Properties

Palm Coast, Florida 32135

Phone: 386-246-7287

Email: Charles@CallChas.com

Hi Friends…Reading online customer reviews is an excellent way to decide if you want to buy a product or service. But are they always real? You can learn how to tell whether a review is real or fake in this month’s Service For Life!® Free consumer newsletter.

You’ll also learn why you should eat dark chocolate (yum!), what you should know about credit cards if you’re traveling internationally, and three great web sites for car sellers and buyers – plus fun facts, a trivia challenge, and lots more.

Charles & Noeleen Duffy, Broker/Owners

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 we provide?

They may be people needing to move in the next 6 months, and you can tell them about our Free Consumer Report: “Home Seller’s Guide To Moneymaking Fix-Ups”. You’ll look really smart because this informative guide explains how to avoid costly repair rip-offs and what improvements bring the biggest return. To request a copy for a friend, simply email me by clicking here at Charles@CallChas.com.

Today’s Brain Teaser . . .

I am not alive but I grow. I don’t have lungs, but I need air.

I don’t have a mouth, and water kills me. What am I?

(see answer below)

Check out Doug & Denise Holliday’s beautiful home for sale:http://vtours.virtualonlinetours.com/76894


Is That Review Real Or Fake?

You probably look at customer reviews before you buy almost anything online. But you also know that some of the reviews may have been written by paid reviewers, company employees, competitors or people who just have too much time on their hands. These signs will help you spot the real from the fake.

Signs the review may be fake:

  • It sounds like an ad. The reviewer repeats the company name, model number and features (from the product description). For example, “You won’t believe your
  • The reviewer is anonymous. That’s a red flag. If you can, look for reviewer profiles so you can see what else they have reviewed and generally how positive or negative they may be.
  • The review is completely one sided – either positive or negative. Is anything absolutely perfect?

Signs you should look for:

  • The reviewer actually purchased the item. He or she may post pictures from a hotel you are considering. On Amazon, look for a review marked “Amazon Verified Purchase.” Also, reviews labeled “Amazon Vine” are from trusted reviewers who gave their opinions in exchange for free products.
  • The product or service has many reviews. Check for even more reviews on other sites by searching the product name followed by “reviews.” Get as many opinions as you can.
  • The reviews have pluses and minuses. For example, “This TV is great for gaming and watching sports and the size is perfect. I’m happy with the purchase but the audio quality could be better.”
  • The reviews show a consistent theme. If several reviewers mention the same problem (e.g. the sheets fade after repeated washings), you might do more shopping.
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Thinking Of Selling Your Home Soon?

Don’t attempt to sell your home without our Free consumer guide, “44 Money-making Tips For Preparing Your Home To Sell.” Our exclusive report will give you all the facts for a fast, top dollar sale. Just call 386-246-7287 anytime, or simply email me by Charles@CallChas.com, and I’ll rush a copy out to you.

Why You Should Eat Chocolate

You may have heard (or hoped) that chocolate is good for you. It’s true, if you eat the right kind. Studies show that eating small amounts (7 ounces a week) of high-quality dark chocolate has health benefits. But it has to contain at least 70% cacao and be low in sugar and fat. Here are the 3 biggest benefits of eating dark chocolate:

    • It lowers your risk of heart disease.How?: Research indicates eating dark chocolate helps lower blood pressure. But it doesn’t work if you’re eating other things that are not healthy.

      Why?: Dark chocolate contains flavonoids. These plant chemicals have antioxidant and anti-inflammatory effects. Foods rich in flavonoids have been associated with a reduced risk of heart disease.

 

    • It helps reduce the negative effects of stress.How?: Scientists have found dark chocolate to reduce anxiety (probably why you crave it when you’re stressed!). It can also help you feel happier.

      Why?: Dark chocolate raises endorphin levels in the brain, which give you an euphoric feeling. It also triggers serotonin, which is a neurotransmitter (signal to the brain) known to be an anti-depressant.

 

  • It may lower your Body Mass Index (BMI).How?: Eating dark chocolate can help your body naturally regulate your weight.

    Why?: BMI is a number calculated from a person’s weight and height that is an indicator of body fat. Dr. David Katz of Yale University says research suggests that antioxidants might play a role in reducing inflammation, and dark chocolate in particular might help balance the hormones that facilitate weight control.

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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

Fun Facts and Laughs

Tips For Using Credit Cards Overseas . . .

If you’re traveling internationally, you’ll want to use credit cards for hotels, meals and large purchases, and debit cards for cash. Besides telling your bank that you’re about to take a trip so they don’t freeze your account for those purchases you make in Italy, here are two more important tips:

Avoid “Foreign-Transaction” Fees. Call your card’s customer service department to see if your card has this fee, which may be up to 3 percent of each purchase. If it does, get a card that waives the fee, including Capital One and Chase Sapphire Preferred cards. Also, ask your credit card company if you’ll be charged an ATM withdrawal fee. If your bank has a partnership with banks in other countries, you shouldn’t be charged for an in-network transaction.

Consider getting a card with a “chip.” Most U.S. cards use a magnetic strip for transferring information. Cards in Europe, Asia, and elsewhere use a microchip embedded in the card (called EMV or “chip and PIN” technology). You should get by with your card with proper identification, but you’ll have problems at automated kiosks (e.g. gas stations) that only accept “chipped” cards.

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Websites For Car Sellers & Buyers . . .

www.kbb.com — Find out how much your car is worth on this Kelley Blue Book site.

www.carfax.com — Use it to get vehicle history reports if you’re buying a used car.

www.edmunds.com — This car-shopping site provides car reviews, photos, videos, research, and buying tools to help you pick your next car.

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Quotes To Live By . . .

If your actions inspire others to dream more, learn more, do more, and become more, you are a leader.

–John Quincy Adams

Be a yardstick of quality. Some people aren’t used to an environment where excellence is expected.

–Steve Jobs

If you lose the power to laugh, you lose the power to think.

–Clarence Darrow

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Have A Laugh . . .

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Please Welcome Clients And GoodFriends Into Our Real Estate Family…

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

Rose & Ernie D’Agostino, MA

Marion & Peter Carrozza, MA

Margaret & Mike Mahoney, NH

Lori & Peter Comeau, MA

Thanks Rose! Your referrals are warmly appreciated!

“Want To Win Movie Tickets For Two?”…
February’s Trivia Question:

What was the highest grossing movie of the 1990s?

a) Titanicb) The Lion King

c) Jurassic Park

d) Men In Black

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

Brain Teaser Answer:

Fire

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 should I do to find the right home at the right price?

 

A.  A tip that will help you get the home you want is to be financially prepared before you start house hunting. Here are two key points:

    • Find a motivated lender. Ask your REALTOR® (choose one who is an experienced Home Buyer Representative) to refer one or two reputable lenders to you. Study up on basic terms so you’ll be able to choose the loan that will be the best deal for your situation.

 

  • Get pre-APPROVED, not just pre-QUALIFIED for a loan. You’ll have more power to negotiate because the sellers know you can close on the transaction.

You can find seven more tips on saving money when buying your next home in my Free Consumer Report called “8 Secrets For Saving Thousands When Buying Your Next Home.” Call and ask for a copy.

Do you have a question you want answered related to real estate or home ownership? Feel free to call 386-246-7287 or email me by clicking here. Perhaps we’ll 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…Andwhether you’re thinking of buying, selling or financing real estate, or just want to say Hi, we would love to hear from you…

Charles & NoeleenCladdagh Florida Properties

386-246-7287

Charles@CallChas.com

www.CladdaghFlorida.com

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Say No to the Snow with 72F!

It’s a chilly (perfect) 72 degrees here in Palm Coast, Florida today, meanwhile up north it’s a bit cooler… MeanwhileinBuffalo

Tomorrow it’s only supposed to get up to 78…  Say No to the Snow!

Say NO to the SNOW!

Boston Weather 1/3/2014
Blowing Snow

Blowing Snow Mist

Temperature
8°F
 
Today
Overcast13 °F
Overcast
Tonight
Clear-4 °F
Palm Coast Weather 1/3/2014
Scattered Clouds
Scattered Clouds
Temperature
41.5 °F
Today
Overcast48 °F
Overcast
Tonight
Overcast66 | 57 °F
Overcast

Florida’s on the Way to becoming the 3rd most Populous State!

Census figures announced this week show that in the coming weeks Florida will have more residents than New York, which means Florida will become the nation’s 3rd most populous state behind only California and Texas.   What’s interesting about this development is that it’s not only retirees driving Florida’s population growth, but it appears people of all ages are moving into Florida. Regardless of the age range, most new residents point to the same main factors of why they picked Florida,  1) No Income Tax, 2)   The Weather, and 3) The availability of jobs.  #1 & #2 have always been Florida’s strong suit, but #3 is interesting in that it represents a shift over the past few years as Florida emerges from the recession.

Of course the question always is, what does this mean for Real Estate?  A continued influx of buyers is always good for Real Estate prices and especially good for Palm Coast, Flagler Beach, and Flagler County.  Even at the height of the real estate bubble in 2005/6, Palm Coast and Flagler County represented the most affordable housing options on the Atlantic coast, and that remains true today. There is nowhere else in the country, east coast or west coast for that matter, that is more affordable than Palm Coast in terms of being within 10 minutes of the beach.  This bodes well long term for Palm Coast and Flagler County. Prices have increased steadily over the past 12-18 months and rents are up as well, this points to a strengthening Real Estate market.

As always, if you have any questions about our Real Estate market, Call or E-mail Charles Duffy at anytime at 386.986.8965 or Charles@CallChas.com.  And remember, Real Estate markets are ALWAYS local!

http://www.businessinsider.com/florida-will-soon-have-more-people-than-new-york-2014-1

 

Where are Mortgage Rates Heading in 2014?

PALM COAST FLORIDA REAL ESTATE NEWS | 

Mortgage rates will likely rise above 5 percent in 2014 and average 5.3 percent by the end of 2015, according to the Mortgage Bankers Association’s forecast.

That would mark a big jump over where mortgage rates stand now. The MBA reported this week that the 30-year fixed-rate mortgage averaged 4.33 percent, the lowest average since June.

The MBA expects that the Federal Reserve will decide to taper its $85-billion per month bond-purchasing program in early 2014 and end it altogether in September 2014. The Fed’s bond buying program has been keeping mortgage rates low. The Fed has hinted in recent months that it will soon be winding down the program.

“As a result, mortgage refinancing will continue to drop, and borrowers seeking to tap the equity in their homes will be more likely to rely on home equity seconds rather than cash-out refinances,” says Jay Brinkmann, the MBA’s chief economist.

The MBA said in its forecast that it expects home purchase applications for mortgages to rise 9 percent next year, following expected continued home sales and price increases.

However, the MBA projects that overall mortgage originations will drop 32 percent in 2014, as the number of refinancing applications post a large drop in the new year due to expected rising interest rates.

While refinancings make up the bulk of home applications today, that trend is expected to reverse next year. Purchase loans are expected to make up 60 percent of originations next year compared to about 38 percent this year.

“We are projecting home purchase originations will increase in 2014 due largely to gains in home sales and home prices,” says Brinkmann. “We expect to see a decline in the share of sales paid for with cash, and higher average LTVs on purchase mortgages, due to the rise in home prices.”

Source: “U.S. Mortgage Applications Increase as Rates Edge Down,” Reuters (Oct. 30 2013) and “Purchase Loans Expected to Buck Rising Mortgage Rates Next Year,” Inman News (Oct. 29, 2013)