Monday, April 30, 2012

FALLOUT FROM A POOR CREDIT SCORE...

Carpe Diem...Real Estate Update
FALLOUT FROM A POOR CREDIT SCORE
IF you want to see how quickly you can ruin a great credit score, just skip a mortgage payment.

In a study last month, FICO looked at how choices would affect three hypothetical mortgage holders: One with a spotless 780 score; another with a good 720, who may have missed a couple of credit card payments three years ago; a third with a not-great, not-toxic 680, who has sometimes fallen seriously behind on credit cards or a car loan. (Most lenders consider poor credit about 650 and below)
  • 30 days late: The gold-plated 780 drops to 670-690, the middling 720 becomes 630-650, and 680 is now 600-620. Effects are most significant for the strongest borrower. “A continued progression is going to have less and less impact on a score,” Ms. Gaskin said.
  • 90 days late: This is seriously delinquent, and brings the onetime best borrower down to 650-670, the midlevel one to 610-630, and the weakest to 600-620. 
  • Short sale, deed in lieu of foreclosure, or settlement, assuming the balance has been wiped out: The result is just a bit less serious. The 780 score deteriorates to 655-675; 720 to 605-625; 680 to 610-630.
  • Foreclosure, or short sale with a deficiency balance owed: For either, 780 is 620-640; 720 is 570-590; and 680 is 575-595.

At a certain point it might seem as if there was not much difference between bad and worse, but remember that the lower the score, the longer it takes to climb back.


Please read the full article on The New York Times








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Ron Goldstein

MBA, EcoBroker, QSC

phone: (312)264-5846
mobile: (312)771-7190


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listing update

Container Gardening. Raising Healthy Plants in your Home..

CONTAINER GARDENING
Whether you want fresh flowers, veggies or simply some greenery, spruce up your terrace, balcony, deck or other space.
Gardens for All
Organic gardening is a great way to enjoy fresh, healthful produce, as well as get outdoors and learn a little something about nature. But not everyone has the benefit of plantable land, or even access to community gardens. Luckily, there's an easy, time-tested way to bring a cheery splash of color or handful of fresh veggies right to your doorstep: container gardening.
Raising Healthy Plants in Containers
Many different types of plants can do well in containers, though there are some points to keep in mind. It's usually more stressful for plants to be in containers versus in the ground, and they tend to dry out much quicker, so you'll have to water them often. Potted plants are also more susceptible to temperature changes, either too hot or too cold.
It's also tempting to crowd plants closer together in containers, particularly for that full look, although that can stress them out. It's also important to fertilize potted plants regularly, since they have less opportunity to receive nutrients from the Earth. Either use a time-release fertilizer such as Osmocote or add a quarter-strength dose of soluable fertilizer every third or fourth time you water.
Remember that the smaller and more tightly packed the container, the more water it will need. The old gardener's rule of "1 inch of rain or watering per week" must often be exceeded. However, there are also plants that are less water intensive, such as morning glories, nasturtiums, poppies, calliopsis and haageana zinnias.

Proper Pots
In order to retain moisture and provide more nutrients and a stable environment, it's almost always best to choose as large a pot as possible. The material of the pot itself isn't terribly important, though each type has its advantages in terms of cost, weight, durability and beauty. Pay attention to your potting mix: it should be light and fluffy, like Pro-Mix from a nursery. It should be replaced if it shrinks down or if a thorough watering takes too long to percolate, or if water runs right through, a sign that the soil's packed tight and can't absorb anything. Soil used in containers doesn't last forever, and will need to be changed or at least heavily fortified with organic matter and fertilizers after a season.
Remember too that plants often have different requirements for moisture and fertilizer. So it's a good idea to choose compatible plants, just as anyone who has ever kept an aquarium knows to select fish that get along. It's also possible to nest smaller containers within a larger one, so each plant can get more targeted doses of resources.
It's worth mentioning that many tropical houseplants can be placed outside during the warm months, where they add beauty and charm to outdoor spaces.



Rediscover Window Boxes
Most garden or hardware shops can help you get set up with a window box (measure the width and length of your sill before you browse). It's also a good idea to check with materials refurbishers, such as Habitat for Humanity's ReStores. Window boxes come in a number of different materials — wood, plastic (including recycled), terra cotta, fiberglass, etc. — although you should steer clear of metal, which rusts and can damage fragile plants by retaining too much heat. Whatever you use, make sure the box is secured to the sill with bolts or wire.
Then cover the bottom with a layer of landscape fabric to hold the soil in place, while allowing excess water to drain. Fill the box about three-quarters full with soil, then stir in several trowels of perlite and organic matter, such as leaf mold, properly aged manure or compost. For the most attractive look, plant a mix of bushy, tall and draping plants.





Whimsical Pots
One needn't necessarily invest in a traditional clay pot or window box to grow things. In fact, many seasoned container gardeners prefer to mix in the occasional odd object: the more unusual, the better! This could be an old boot, a busted watering can, a used tire, a piece of worn furniture, a broken microwave...whatever you have lying around.






How to Make Potting Soil
There are many recipes for good potting soil, including tweaks for specific plants and regions. Here's an all-purpose container soil from Leslie Land's 1000 Gardening Questions & Answers:
1 part perlite
1 part moisture-retentive filler such as shredded coconut fiber or peat moss
1 part all-purpose potting soil
1 part compost or composted cow manure
Don't forget to fertilize and water as your plant grows!



Flowers That Thrive in Containers:
Try some of these beauties:
Sun-lovers: marigolds, petunias (pictured), geraniums, African daisy, California poppy, verbena, globe amaranth, strawflower, love-in-a-mist, calendula, gazania, nasturtiums, licorice plant, dwarf dahlias, heliotrope, lantana, miniature roses, zinnia, artemisias, lavender, coreopsis
Partial Shade: ageratum, begonia, ferns, fringed bleeding heart, lady's mantle, wishbone flower, English ivy, coleus, Boston fern
Shade Tolerant: fuchsais, begonias, Jacob's ladder, coral bells, dead nettle, small hostas, wishbone flower, impatiens, browallia, vinca, English ivy
 
Veggies That Do Well in Containers:
Grow your own food, right on your patio or balcony! Yields are often not as good as from true garden plots, but you gain flexibility. Shallow-rooted veggies like radishes and lettuce can be grown in window boxes. Tomatoes need big tubs, at least 16 inches high, wide and deep. In general, veggies need rich soil that drains well.
These veggies also do particularly well in containers: Swiss chard (multicolored varieties are especially pretty!), "patio" cherry tomatoes, fennel, dill and many other herbs, including rosemary, thyme, parsley, cilantro, oregano, mint, basil (pictured), bay and much more.


High Winds and Screens
If you have a windswept area you'll have to take extra care with container plants: you don't want your carefully tended veggies to end up as projectiles! So make sure your plants are well anchored (large pots often do the trick, especially if they're made of heavy terra cotta). Wind is drying, so keep an extra eye on soil moisture, including through the winter if you leave your plants out.
There are some evergreens, in every size from tree to groundcover, that tend to do particularly well in high winds, and they have the added bonus of keeping their color all year long. Try rockspray cotoneaster, Japanese holly, wintercreeper, yews, wild ginger or wintergreen.
Here's another tip: tall plants in pots (or vines trained up trellises) make great screens, hiding trash cans or dividing up outdoor space into "rooms." It's not hard to make a trellis out of reclaimed materials. It's also a good idea to place smaller pots at the base of larger ones, and to have a mix of different heights and sizes, to add variety and interest.


Drought-Tolerant Rooftop Gardens
If you live in a dry area, or won't be available to keep a close eye on your plantings, consider going with drought-tolerant plants, both for patio containers and for larger-scale rooftop gardens. Here are some examples:
Herbaceous perennials: artemisia, spurge, coreopsis, sedum, moss mullein, yarrow and yucca
Woody plants: barberry, beach plum, cotoneaster, shrub honey locust, tamarisk, rugosa rose, juniper and yew



Get a Secret Garden Look
Get an enchanted feel, or just take advantage of limited space, with espaliers, which are woody plants trained to grow flat against a trellis or wall (often in a fan shape). The technique is believed to date from ancient Egypt, and has long been popular in Europe, particularly in formal and royal gardens.
It isn't difficult to train an espalier, though the process usually takes a few years. Any slow-growing shrub or herb can work, as long as the container is large enough. Many nurseries also sell plants in the form. Look for cotoneaster, crab apple, forsythia, holly, juniper, quince and yew as especially fine espaliers.


Get Weepy
If you've got a lot of space, manage a large building or are feeling particularly ambitious about containers on your roof or patio, you might consider going for an elegant, peaceful look with weeping plants. Avoid weeping willows, however, which are rapid growers. Better choices include weeping varieties of the blue Atlas cedar, Nootka false cypress, willowleaf pear or crab apples or cherries. You can also try bonsai weeping trees, such as this Scots pine.



Be warned, however, that you'll have to "go Jaws" and get a "bigger container," at least 18 inches in each dimension, with bigger being better. You'll also have to prune the trees yearly to keep them from growing too large.


What to Do in Winter
Pots are particularly sensitive to freezing and thawing cycles, which can make plastic brittle and crack clay and even cement eventually. You can store potted perennials in an unheated garage or shed if temperatures stay between 32 and 40 degrees F. Check the soil often and make sure it stays moist (not wet, which can promote rot and suffocate roots).
Huge "estate-size" pots can usually be left out, however, because their mass serves as insulation. If you're working with annuals, empty out small and medium-sized pots and bring them inside when the growing season is done.


Vertical Gardens
A number of urban designers are taking container gardening to the next step, with the idea of creating sustainable vertical gardens, or even farms, to revitalize neighborhoods and bring the food to the people. Besides decreasing food miles, urban gardens can sequester carbon dioxide and pollutants and provide natural cooling, as well as relaxing places to hang out in.

Thursday, April 26, 2012

Lawyers/Architects/Gallery owners... Unique Tribeca style live/work loft in landmark Printers Row bldg-4000 sf bi-level loft.

 

Lawyers/Architects/Gallery owners... Unique Tribeca style live/work loft in landmark Printers Row bldg-4000 sf bi-level loft. Exposed brick/beems, 2 kitchens, 3 baths. 10' ceilings . Great for any business use. Carpe Diem-Great value in stellar location. Priced@947750 or 19.50sf..email rgoldstein@rubloff.com for exclusive showing.. Check out virtual tour@

http://tours.vht.com/Viewer/PhotoGallery.aspx?ListingID=50810026&Style=RRI

Tuesday, April 24, 2012

Latest Silver Professionals Job Openings.. Check out the "silver wave". Find out about behavioral interviewing..and hottest jobs for 2012...

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Silver Professionals

Job Openings at Silver Professionals 

email ron@silverprofessionals.com w/ resumes

Location Job Title Category Date Posted
Dallas, TX VB6.Net Developer Information Technology Today
Santa Monica, CA Sr Front End Web Engineer #2 Information Technology Today
Alsip, IL Inside technical SalesLeader in instrumentation /distribution field Engineering Today
Sag Harbor, NY Oncology social worker.LCSW/O.FT Social Services Today
New York, NY Business Devlpt/outside sales.for web-based.interactive floor plan co Sales & Biz Dev Today
Troy, MI Sr Manager - Business Solutions Architect Information Technology Yesterday
Chicago, IL Imm. need RNS and nurse practitioner.boutique home health hospice Healthcare 4 days ago
Farmington Hills, MI PL/SQL Developer Information Technology 5 days ago
New York, NY Nurse Manager - Medical Surgical Healthcare 5 days ago
Riverside, NY Nurse Practitioner Adult Geriatrics #3 Healthcare 6 days ago
Charlotte, NC Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Portland, OR Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Tampa, FL Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Denver, CO Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Washington, DC Senior business devlpt. gurus/catalyst of change professionals Sales & Biz Dev 6 days ago
Baltimore, MD Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Raleigh, NC Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
San Diego, CA Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Chicago, IL Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Minneapolis, MN Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
St Petersburg, FL Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Seattle, WA Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Chicago, IL Licensed Clinical MSW for boutique home health.Great sal! #2 Healthcare 6 days ago
Riverside, NY Nurse Practitioner Adult Geriatrics #2 Healthcare 6 days ago
San Francisco, CA Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Atlanta, GA Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Boston, MA Business Devlpt/outside sales..for web-based.interactive floor plan co Sales & Biz Dev 6 days ago
Miami, FL Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Naperville, IL database/prop. tax audit exp.in Twnshp/govt offices for energy audit c Information Technology 6 days ago
Los Angeles, CA Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Madison, WI Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Milwaukee, WI Outside Sales- Power Generation.Fantastic oppty and salary #5 Sales & Biz Dev 6 days ago
Chicago, IL Senior Associate - Business Intelligence (BI) Developer Accounting/Finance 6 days ago
Chicago, IL Acctg. Senior Associate - Dynamics GP Accounting/Finance 6 days ago
Austin, TX Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
Montgomery, IN Outside Sales rainmaker..Leader in instrumentation /distribution field Sales & Biz Dev 6 days ago
Boston, MA Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 6 days ago
New York, NY Nurse Manager - Medical Surgical Healthcare 6 days ago
Bronx, NY Applications Support Specialist Healthcare 6 days ago
Bronx, NY Nurse Informatics Healthcare 6 days ago
New York, NY MD Board Certified Internal Med or Geriatrics Healthcare 6 days ago
Arlington, TX Data Warehouse Developer II Information Technology 10 days ago
Dallas, TX Clinical Document Improvement Specialist Information Technology 11 days ago
Bronx, NY Office Manager Hospitality/Restaurant 12 days ago
Farmington Hills, MI Oracle/Cold Fusion Developer Information Technology 13 days ago
Boston, MA Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 14 days ago
Tampa, FL Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 14 days ago
Providence, RI Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 14 days ago
Raleigh, NC Sales&Biz Dev gurus in human capital/service offerings. Employment 2.0 Sales & Biz Dev 14 days ago

Thursday, April 12, 2012

Helping the world 1 job&1 home

Thursday, April 5, 2012

Bucktown Beauty priced to sell!

 

Bucktown Beauty priced to sell!  Lightfilled/smartly upgraded 2BD+den in boutique elevator bldg in the heart of Bucktown. Steps to public trans, new parks, library. Grnte/cherry isld kitchen w/brkfst bar opens to sep din area & LR w/fplc & huge deck; cherry/stone/grte bths w/sep shwr & whirlpool; W/D; tons of newly done clsts; 2 indoor garage spots incl. Carpe Diem-This is living! 3rd br is open & is used as a den, can be easily closed. check out video tour@http://tours.vht.com/Viewer/PhotoGallery.aspx?ListingID=50748676&Style=RRI


email rgoldstein@rubloff.com for more info..