Here’s What the Color of Your Bedroom Reveals About Your Personality

Color

The bed.  And the room the bed is in.  Is there anything more important in any given person’s life than their bed?  The one thing we’re all pretty much guaranteed to use every 24 hours?  Sleep is essential, but it’s also desirable.  There’s nothing better than laying down in your bed after a productive, busy day.  Teeth are brushed, pajamas are on, it’s go time.

Your bed is a very personal thing.  99% of the people in your life probably have no idea what your bed or bedroom looks like, but that doesn’t make it any less important!  Let’s talk about the color of the paint in your bedroom.  What does it say about you?

This article from HouseBeautiful.com states a few, here a few of my favorites:

YELLOW

“Yellow is luminous and warm and so are the people who prefer it,” says Eiseman. “They love innovation and originality. ”

LILAC

“Shades of the purple family are usually preferred by those who have a highly creative streak, and Lilac lovers aspire for uniqueness but lean to the more sentimental, softer side of purple.”

RED

“Shades of the purple family are usually preferred by those who have a highly creative streak, and Lilac lovers aspire for uniqueness but lean to the more sentimental, softer side of purple.”

Of course the question now is: “do you pick the color or does the color pick you”?  I’d like to think you’d read this list and choose the color that you want to feel those effects.

Your bedroom shouldn’t be decorated to impress the Smiths from down the street, it’s yours.  It exists to make you content and comfortable.  Choose a color that’ll bring you there.

 

Read the full article here.

 

Article thanks to MIBOR.


Posted on March 28, 2020 at 2:11 pm
Lindsay Ohmer | Posted in Uncategorized |

THE IMPORTANCE OF EXTERIOR PAINTING

painting

I hate painting.  No, I’m not talking about Picasso’s “Guernica” or Vincent Van Gogh’s “The Starry Night”.  I’m talking about being up on a ladder in the baking sun painting one of four sides of my house.  It’s tedious, expensive, and can be difficult.  But in reaction to this article, it’s extremely important.

I still have PTSD from that one magical summer my dad decided that the family can save a bundle by painting our own house rather than hiring out.  So my brother, sister and I all got our own brushes and were put to work whenever we made eye contact with my Dad during summer vacation.  Yeah my allowance increased, but it just. Wasn’t. Worth. It.

HomeAdvisor.com says that not only is painting a house critical in a home’s appearance, but it also serves as primary lines of defense against weather and bugs.  A fresh coat of paint is a no-brainer in home renovation.  But before you make the commitment you want to make sure you’re painting a color that’ll look good for the foreseeable future!

The best thing to do at this point is learn from others.  Drive around your community really analyzing your neighbors’ exterior paint.  Learn from what you hate just as much as learning from what you like.  Then get a free sample and paint a section of the house to test it out.  Let it get weathered, look at it at all hours of the day.  Once you’ve decided, get painting!

Painting is a tough job, but the reward far outweighs the labor.  A fresh coat of paint can revitalize the entire look of a home.  The right paint job can accentuate a home’s best features and take years off the home’s life, making your home the envy of the community.

For more information, read the article here.

Thanks for the info MIBOR!


Posted on July 31, 2019 at 7:06 pm
Lori Flynn | Posted in Homeowner, Inspection, Selling, Uncategorized |

YOU’VE EARNED A STELLAR CREDIT SCORE… NOW WHAT?

If you’re reading this blog, you probably already know what the term “credit score” means, so we won’t bore you with the details. (If you’re someone that loves all the technical jargon, check out these fancy credit score facts laid out by Investopedia).

Thanks to a great suggestion from our faithful blog follower Deanna, we’ve decided to write a blog to let all of you credit score rock stars know how to keep your numbers high (and maybe even shoot for a perfect 850 if you’re a competitive over-achiever).

Having good credit is important, because it determines whether you’ll qualify for a loan. You already knew that, right?  Did you know that your superb credit score can also earn you a better interest rate and can save you hundreds and even thousands of dollars over the life of a loan?

You’ve worked hard building up a credit score so high that lenders are filling up your spam folder.
So it’s a good time to sit back and chill, right?

Actually, experts recommend that once you’ve earned the bragging rights of being in the upper echelon of credit scores (750+), it’s the perfect time for you to make a plan to stay there. Understanding what goes into your credit score will make it easier for you to maintain a good one.

Five key pieces of information are used to calculate your credit score, according to MyFico.com

1. YOUR PAYMENT HISTORY:

The most important part of your credit score is whether you can be trusted to repay money that is lent to you.

  • Continue to pay your bills on time for each of your accounts (no brainer, right?) Any reported late payment = a drop in your score, so don’t be late.
  • So we just told you to never be late, but life happens. If you’ve paid a payment late, keep in mind that how late you are matters.  30 days, 60 days or 90+ days – the later you are, the worse it is for your score.
  • Unavoidable medical bills? Check out what to do with medical bills on your credit report.
  • NEVER let a debt go into collections!  (we really really mean it this time).
  • Other important negatives to keep off your credit report: bankruptcies, debt settlements, foreclosures, wage garnishments, and tax debts

2. THE LENGTH OF YOUR CREDIT HISTORY: 

The length of your credit history can work in your favor, (especially if you’ve always paid your bills on time) because it allows creditors to better evaluate what type of risk you may be.

Basically, the longer you’ve shown that you’re good with your personal bills and  finances,  the less risky it is for you to borrow money, so your credit score will raise.
The three major credit bureaus, take into account:

1. how long your credit accounts have been established, including the age of your oldest account, the age of your newest account and an average age of all your accounts

2. how long specific credit accounts have been established

3. how long it has been since you used certain accounts

3. THE NEW CREDIT YOU’VE OPENED:

When you open too many new accounts around the same time, it sends the message that you’re living outside of your budget and very dependent on borrowing money to keep up with your expenses (aka, you’re an over-spender). It’s generally better to open new accounts slowly over time, as opposed to opening a bunch all at once.
TheBalance.Com is a great resource to learn more about how opening a new credit card affects your credit score.

4. THE TYPE OF CREDIT MIX YOU HAVE:

Not all debts are created equal. Making payments on time and keeping debt low aren’t the only ways to keep your credit score in the rockstar range.

Credit bureaus make a distinction between credit card accounts versus student loans, car loans, and mortgages. They want to make sure you can handle a variety of financing. The better the mix, the better your score tends to be.

You may be wondering what types of credit are out there, so here’s the short list.

  • Revolving Account: with this type of financing, your payment changes every month depending on your balance. Most credit cards, gas cards, store cards and home equity line of credit (HELOC) are revolving accounts.
  • Installment Account: most installment accounts such as mortgages, auto loans, home equity loans and school loans have a fixed payment, so you pay the same amount each month until you finish paying back the debt.
  • Open Account:  utility and phone bills are examples of ‘open credit’ accounts and you are usually expected to pay the current balance in full each month.

5. THE AMOUNT YOU CURRENTLY OWE/ CREDIT UTILIZATION RATIO:

Your credit utilization ratio measures how much you owe on your accounts compared with your credit limits.

According to Nerd Wallet, you can be strategic about winning the credit utilization game by using less than 30% of your credit limit.  If you keep this ratio in check, lenders won’t be worried about you overextending limits or being late on payments. They suggest you:

  • Track how much you’re charging to each card
  • Set up balance alerts
  • Raise the credit limits on your cards (but don’t spend more)
  • Find out when your issuer reports to the credit bureaus
  • Get into the habit of paying mid-cycle

MORE TIPS:

1. If you’ve not heard of Dave Ramsey, this is a great time to learn about his Financial Peace University.  FPU’s Baby Step #2 teaches you how to Pay Off All Debt but the House.

2. Anyone can attain a strong credit score simply by practicing the tried-and-true methods of good credit management: pay your bills on time and keep your debts modest. If you want to move to or stay in the elite group read The 800+ Club: Secrets of people with high credit scores

3. More good news for you: new credit scoring policies went into effect summer of 2017 that were designed to improve the accuracy of your credit report and are expected to benefit 12 million people. Now, experts expect some significant changes to this system.

4. Wondering how to raise your credit score in the future? Learn more about the 7 new ways your credit will be scored over the next 5 years.  And, discover how each tweak might affect your future ability to maintain a good credit score and get approved for a loan.

Fun Fact: There is a difference between a credit rating and a credit score.
Positive credit helps you in many ways and saves you money. Play it smart and you can enjoy the benefits and rewards of good credit without going into bad debt.

For more great information about your credit score, mortgage options and financing information, check out Ruoff Home Mortgage’s blog here: Ruoff Blog


Posted on April 10, 2019 at 4:24 pm
Lori Flynn | Posted in Uncategorized |

Porch or Patio? What’s the difference…

porch design difference

I can’t be the only one who has a hard time remembering if your porch is in front or your patio is in back or what’s the difference between the two… But if I am, so be it. I decided that I had spent way too much time trying to figure this out at every house, so I did some research. Shockingly, Pinterest wasn’t much help, but I did have fun! Check out our fun Porch Pinterest board here.

Basically, a porch is an outdoor structure with a roof that is usually open at the sides. It is attached to or projects from the side of a residence and protects the entrance or serves as a resting place for occupants to entertain and enjoy the fresh air. It is sometimes referred to as a veranda or loggia.

Unlike a porch, a patio can be attached to a structure or detached, and sometimes has a roof or pergola overhead. It is a much more versatile outdoor structure than a porch and is usually much larger.

Thank you to The Spruce for those helpful definitions!

So, you can have a front porch or back porch (or a wraparound porch or a screened-in porch), but you probably won’t have a front patio. A patio can be a deck, or paved. It can be attached to your house or not. You could also have a veranda or a balcony.

There are so many options for outdoor life at your home, but if you want to do something new, give us a call! At Lori -Flynn Realty, we love helping our clients make their house a home. 317-384-4712


Posted on March 2, 2019 at 5:27 pm
Lori Flynn | Posted in Uncategorized |

Finding a Realtor

two women in a discussion sitting at a desk

The first step to the home buying process is finding a realtor with your best interest at heart. The most common way buyers find their realtor is a referral from family or friends. Many of Lori Flynn Realty’s clients come from referrals from our past clients – and we cannot thank them enough. If you found us through a referral, we can’t wait to meet you! If not, we look forward to working with you and hope that you’ll be referring us to YOUR friends and family soon!

Searching online for your dream home can be fun, but it can also be very time consuming. Once you find your perfect realtor, they will do the searching for you!  Your Realtor will set up an online portal with properties that fit your criteria and homes will be delivered straight to your inbox. When the market is moving quickly and properties are selling fast, having homes delivered straight to you gives you a leg up on the competition.

While it is important to find a Realtor that is great at his or her job, it is also important to find a Realtor that you like.  You will be spending a lot of time with this person.  One of the differentiators with Lori Flynn Realty is a home buyers’ consultation. We will meet with you before getting started to make sure you understand the process.  This gives you, the buyer, time to get to know Lori and Lindsay and make sure that we can work well together.

You should consider the home buyer meeting as an interview for Lori Flynn Realty. You want to make sure your realtor is a good communicator and responds to you in a timely fashion.  Real estate moves quickly and if your agent doesn’t stay up to speed, you could miss out on your dream home. There are many steps to the home buying process and a great agent will help you navigate each one with expertise.

At Lori Flynn Realty, our goal is to deliver a smooth and stress-free home buying experience. Give us a call at 317-384-4712 to schedule YOUR home buyers meeting.


Posted on February 13, 2019 at 8:19 pm
Lindsay Ohmer | Posted in Uncategorized |