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DARLINGTON APPLE FESTIVAL

Friday, October 06, 2017

DARLINGTON, MD - It's fall and that means it's time for the Darlington Apple Festival. The festival is set for Saturday, Oct. 7.

The Darlington Apple Festival happens every year the first Saturday in October. It is a rain-or-shine event.

Here are all the things you need to know.

When: The Darlington Apple Festival is from 10 a.m. to 5 p.m. on Saturday, Oct. 7.

What: Enjoy a day in the country with vendors, crafters, apples, produce, family activities, live musical entertainment and refreshments. Hay rides will be available behind Darlington United Methodist Church, 2118 Shuresville Road, Darlington, and so will pony rides. A cornhole tournament is also planned.

Live music will be provided by the following:

How Big: About 50,000 people attend the Darlington Apple Festival each year. The festival started in 1986.

What Not To Bring: Neither pets nor alcohol is permitted.

How To Get There

The Darlington Apple Festival is at 2120 Shuresville Road in Darlington.

Shuresville Road will be closed at 8 a.m. on Saturday, Oct. 7.

Shuttle service to the festival will be available at Chesapeake Harley-Davidson (4600 Thunder Court), the Darlington firehouse (2600 Castleton Road) and the field across from the High's gas station (4585 Conowingo Road).

Handicapped parking is on the grounds of Darlington Elementary School. To get there from MD Route 161/Darlington Road, take a right onto Old Quaker Road and then proceed on School Road. Signs for handicapped parking will be posted.

By Elizabeth Janney (Patch Staff)

Student Loans

Tuesday, July 25, 2017

Beat Those Student Loans!

 

            Even if they’re financially savvy, a lot of Americans continue to carry student loan debt with them for years after they’ve graduated from college.  Use these strategies to shake off that heavy financial burden:

 

  • Make it a priority.  Yes, you have a lot of bills to pay, but focus on paying off student loans so you can turn your attention to saving for retirement.
  • Create a repayment plan that works.  Make sure the date your student loan payment is due works with your monthly budget, and consolidate your loans so you only need to make one monthly payment.
  • Focus on variable private loans.  The interest rates on these loans can quickly change, so pay as much toward them as possible while also putting at least a minimum monthly contribution toward fixed-rate federal loans.

Sign up for auto-deductions.  If you opt for auto-deductions, you won’t accidentally miss a payment date.  Plus, all government and some private lenders charge a slightly lower interest rate if you pay this way.

Wealth with Real Estate Rental Properties

Friday, July 07, 2017

Real Estate Corner…

 

Q. How can I build wealth with real estate rental properties?

A.  Before purchasing rental property, consider the following factors to make a good investment:

 

  • Find moderately priced properties, so you can generate more cash flow than higher priced properties.  Your tenant’s rent should cover the mortgage, utilities, and additional expenses in order to produce a cash flow.
  • Get the full cost of owning and repairing the home.  Have a property inspection before you purchase the property to identify any potential repairs.  Also, get written quotes from contractors for repairs you’ll need to make before renting out the home.
  • Carefully select your tenants.  Each time a renter leaves, you have to prep it for another tenant by paying for repairs, possible upgrades, and other costs such as advertising, credit and background checks, plus taking time to show the unit.  Long-term tenants are better for your investment, so choose wisely and treat them well!

 

To learn more, call me to request my Free Consumer Report called
“How to Avoid 8 Dumb Mistakes Even Smart Investors Make.”   

2017-2018 TAXES

Thursday, July 06, 2017

ATTENTION BALTIMORE COUNTY HOMEOWNERS

URGENT AND IMPORTANT


Baltimore County has sent out incorrect bills for your 2017-2018 Taxes.   This was done in error.   The county has said they will be sending out corrected bills and will be extending the discounted dates.   Please take caution with your bill and make sure you are paying the proper amount.   If you have an escrow and your mortgage company is paying the taxes, please notify them about the error.    

Real Estate Corner...

Friday, May 01, 2015

Real Estate Corner…

 

Q.  How can I secure a low mortgage interest rate?

A.  Securing a low mortgage interest rate helps make your monthly payment more affordable and saves money over the life of your loan.  Besides using a larger down payment, here are three things to do to secure a low mortgage interest rate:

  1. Compare multiple lenders and meet with your top three.  Review the application process and your credit report to start working on any issues you may have.  The higher your credit score, the better borrower you will become.  Lenders will review the various loan programs with you.

 

  1. Your debt-to-income ratio should be below 36 percent before you apply for a mortgage.  The lower it is, the greater your eligibility for a higher loan amount.

  1. Don’t make any drastic changes such as changing jobs or making large purchases on credit cards.  You want lenders to see you have a stable job history and ability to make the payments.

Foreclosure/Short Sales Sellers can NOW BUY

Friday, April 17, 2015

There is a new set of buyers coming into the marketplace.   They are called Boomarang Buyers.   You are asking yourself, “What are Boomarang Buyers?”  They are buyers who have faced hardship throughout the last 7-8 years, had to sell their home in a foreclosure or short sale and now would like to buy again.  These buyers are in luck….yes they can buy again.   There will be specific guidelines to follow, but the process will be the same.   If you or anyone you may know falls in this situation, please reach out to me, 410.591.1800.

Short Sale Deficiency Judgements

Wednesday, June 27, 2012

Many Sellers asked about the difficency in the payoff that comes with the short sale.  Your CPA will be happy to review your obligations with you and explain the current law that is in place.  However, there is a deadline on the law waiving your judgement.  It expires 12/31/12.  There has been NO word of any extension of the law.  Therefore, If you are facing late pays in your mortgage, or you are already 30+ days late, please contact me immediately, before time runs out to review your personal situation.  There may be help available.

Marian

Contact:  Marian@MarianStaab.com or 410.515.5742

Knowing the Importance of Your Credit Score

Wednesday, October 12, 2011

 

    Credit Score Ranges    300-850

 

 

THE "Y"

    Your credit score is a reflection of your credit worthiness.  It is important to have a high credit score when looking to make a large purchase, a car, a home, etc. Your credit worthiness is reviewed even when applying for employment. 

 

THE "HOW"

        The following tips will help keep your credit score strong;

·         Keep credit card balances under 50% of the maximum limit.

·         Watch out for rebates on credit cards ; ie. gifts/gift cards, air mileage, etc.

·         Avoid activation of overdraft protection on checking account. 

·         Avoid NO payments/NO interest credit on new purchases

What Happens If You Have NO Credit?

    Lenders can use alternative credit ie. rental payments, utilities(cell, BGE, cable) medical, insurance are just a few types of alternative credit.

 

Best Way to Establish Credit?

·         Gas credit cards,

·         Secured credit card

·         Become an authorized user on someone else's credit card

§  BEWARE: Be sure that "someone else" has good credit and pays on time

 

Pull your credit report once a year to make sure there are no mistakes on your report. Be careful when pulling online, this should be a free service...DO NOT give any information for payment, ie. checking account number, credit card number

Never Worry About Money Again

Tuesday, October 04, 2011

If you’re like millions of Americans, you dream of the day when you will be debt free. The economic recession has prompted many families to restrict spending in order to take control of their finances, pay down outstanding debt and make saving a priority. In fact, the average household debt has fallen over 8.2% since its peak in 2008.* For many people, eliminating household debt feels unattainable; however, with the right tools, anyone can take control of their spending and begin to build wealth.

This month, I’m sending tips to help you break the cycle of debt and achieve financial freedom. The first page outlines steps you can take to create a budget and save money. Page two details a plan to eliminate debt from credit cards and loans in a fraction of the time it would traditionally take. Feel free to share this information with your family or friends who are looking to get out of debt and improve their financial security.

If you would like a copy of this "Item of Value," please contact me, Marian Staab.


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Real Estate Blog

  1. DARLINGTON APPLE FESTIVAL Marian Staab 06-Oct-2017
  2. Get out of Bed Marian Staab 22-Aug-2017