Melissa Bayles's (melissabayles) Blog

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Real Estate Agent - The Real Estate Geeks A Team of Prudential California Realty
RECENT BLOG POSTS
Granite is a popular "finishing choice" for homeowners because of its good-looks and its strength. A well-maintained granite counter-top boasts natural beauty and outlasts most other finishes. But granite is also natural rock, mined from the earth. It's porous and highly absorbent. Therefore, if ...
02/14/2011
Existing Home Sales surged 12 percent last month, closing 2010's housing market with strength. An "existing home" is a home that cannot be categorized as new construction; a resale. According to the National Association of REALTORS®, seasonally-adjusted, annualized Existing Home Sales figures cli...
02/13/2011
Home remodeling projects can add function to a home, but don't always add value. Consider the latest report from Remodeling Magazine.  In it, the average cost of 35 projects are evaluated for the value they retain at the time of resale. Function beats flash, it seems, in today's housing market. E...
02/13/2011
For some homeowners, electing to take an adjustable rate mortgage over a fixed rate one can be matter of budgeting. ARMs tend to carry lower mortgage rates and, therefore, lower monthly mortgage payment as compared to a comparable fixed rate loan. Relative to fixed rate mortgages, current ARM pr...
02/10/2011
Credit card debt, left unchecked, can pile up quickly. Especially for debtors making minimum payments.   According to the Federal Reserve, a credit card balance of $5,000 at 23.99 percent APR won't pay off for 16,127 years. That's one reason why it's important to manage your credit card rates, a...
02/10/2011
When your CDs, DVDs and game discs are "skipping", most times, a simple cleaning will set them right. Make sure you clean your discs properly, though. Clean them the wrong way and you could damage your discs forever. You might also cause your electronic devices permanent damage. There's lots of r...
02/08/2011
On the first Friday of each month, the Bureau of Labor Statistics releases its Non-Farm Payrolls report. More commonly called "the jobs report", the government's data include raw employment figures and the Unemployment Rate. The jobs report hit the wires at 8:30 AM ET today. It's making big waves...
02/08/2011
Starting April 1, 2011, loan-level pricing adjustments are increasing. Most conforming mortgage applicants will face higher loan costs. Loan-level pricing adjustments are mandatory closing costs. They're assigned by Fannie Mae and Freddie Mac, and based on a loan's specific risk to Wall Street in...
02/08/2011
When a garbage disposal clogs, a plumber's service call can cost as much as $100 just for showing up. A "fix" could add even more to that bill. To minimize the likelihood of costly repairs, therefore, be mindful of how your disposal works, and where its limitations lie. Most clogs are the result ...
01/26/2011
The 1937 opening of the Fresno Municipal Sanitary Landfill marked the birth of the modern landfill. Today, transporting and burying garbage is a $50 billion annual business with an estimated 3,000 landfills in operation across the country, plus an additional 10,000 municipal "dump" sites. A recen...
12/20/2010
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