All You Need to Know About Credit Scores
Dec 06, 2013 02:12 pm by Dale Marciniak
It is smart to know what your credit score is so that one
can understand what potential creditors are looking at. You can obtain a copy each year of your
credit report from each of three major credit reporting agencies (Experian,
Equifax and TransUnion). Review your
report carefully so that inconsistent or inaccuracies may be corrected.
35% of you credit score is based on payment history….were payments made on time and if not, how often were they missed and how late were they.
30% of your score is based on the entire amount you owe, the number and types of accounts you have and the proportion of money owed in relation to how much credit you have available.
15% of your score is based on the length of time that you have been making timely payments. The longer you have been making timely payments, the higher your score will be.
10% of your score is based on the types of accounts that you have. A mix of account types is best.
10% of your score is based on recent credit activity. Steady credit activity is best.
Next week, I will give you tips on how to improve your credit score!
Adding a Fireplace to your Home
Dec 04, 2013 09:12 am by Dale Marciniak
Now that the weather is turning colder, wouldn’t it be nice to head home and cozy up to the warmth of a fireplace? Some of us are fortunate to have a fireplace, but other homes do not have this feature. In fact, according to an article in House Logic, about half of the 40 million homes constructed in the U.S. since 1973 were built without a fireplace. And they also found, after a consumer study with homebuyers, that the majority of the people would like one and would be willing to pay extra to have one. But is it really possible? Here are a few things that you need to take into consideration if you want to go down the path to adding a fireplace to your home.
1. There are many different options today, but check with your local area to see what the building codes and restrictions are in your area. You may even have neighborhood restrictions as well. This may determine what kind of fireplace you can install.
2. How much will it cost? Whether you decide to go with a traditional wood burning masonry fireplace or a wall mounted vent-less unit, prices will vary considerably. The least expensive and easiest to install would be an electric fireplace. These generally start under $400. A gas burning fireplace would cost you around $2000 for materials and then another $2500 for installation. Wood burning rounds out being the most expensive as you can imagine. You would have to hire a professional to install one of these and plan on spending $10,000 or more. Another thing to consider is the upkeep cost of having a fireplace. Fuel, energy and cleaning services can tack on to the bill.
3. Lastly, you might wonder if a fireplace is really energy efficient. As you can imagine, the wood burning masonry fireplaces do suck up a lot of the hot air that you have established in the room from your furnace, but sealed units that have controls and venting systems that use outside air for combustion will reduce loss of the warm air already in the room. Fireplaces that are used for a small area for heating will actually reduce your heating demand for the room and in turn allow you to turn your thermostat down.
Milwaukee and Franklin Wisconsin Real Estate
Dec 10, 2013 07:12 am by Dale
Here you can find all your Wisconsin, Milwaukee and Franklin Wisconsin real estate needs. Check out all the links above which, this Milwaukee Wisconsin real estate web site has to offer. Under Our Featured Listings you will find all of our current Milwaukee area real estate listings with a detailed description and photos on all of our properties. We have also provided real estate mapping, so you can find our listings no matter what direction you are coming from. Our Community link gives you the information you need to know about Milwaukee, Franklin and other surrounding communities in Southeastern Wisconsin. Our Help link has three guides to help anyone looking for real estate in Milwaukee and Southeastern Wisconsin. The guides are smart buyer, smart seller and smart renovator. Under the Help menu you will find more information to guide you in the right direction if you are a buyer, seller or renovator. The About Me link gives you information about Dale Marciniak and Dale Marciniak's team and how we can help you with your real estate needs in Milwaukee and Southeastern Wisconsin.
Thank you for visiting Dale Marciniak's Website. Please bookmark this page for future reference when buying or selling real estate in the Milwaukee, Wisconsin area. You will find one of the most extensive real estate web pages for Southeastern Wisconsin and surrounding communities which includes Milwaukee, Racine and Waukesha Counties encompassing Franklin, Oak Creek, South Milwaukee, Muskego, New Berlin, Waukesha, Greenfield, and Hales Corners. I hope you will find my real estate website helpful when buying or selling single family homes, condominiums, duplexes, new construction or land in Milwaukee or Southeastern Wisconsin. Make sure to view Dale Marciniak's marketing video that will explain how I can sell your home for the most amount of money and in the least amount of time. I am also the first real estate agent in the Milwaukee area to offer DVD home tours that can be viewed online or at home. My page features extensive community information, school information, free real estate news, answers to commonly asked real estate questions, and more! You'll find everything about RE/MAX, Dale Marciniak and Milwaukee real estate within this web site. If you currently own property and are thinking of selling in the Milwaukee area, please contact the Dale Marciniak Team with RE/MAX Realty 100 for a comprehensive real estate marketing plan!
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