Jane Cheetham - RE/MAX Acclaim



Posted by Jane Cheetham on 6/20/2017

Home life is a key to long term success as an entrepreneur, especially for entrepreneurs who work out of one or more rooms of their house. Personal relationships, client discussions and overall at home comfort play a significant factor in how effective and efficient entrepreneurs who work from home are. This, in turn, impacts the amount of sales and income that these hard chargers take in.

So much to love and think about as a work-from-home entrepreneur

Entrepreneurs may be the hardest, most focused, devoted and happiest of workers. They are visionaries who refuse to give up, even when facing seemingly impossible odds. It’s the makeup of entrepreneurs that attracts people - that lures thousands of people toward business ownership. Technology continues to make it easier for entrepreneurs to work from home.

What technology hasn’t done is made it easier for entrepreneurs to eliminate distractions, the very distractions that lure them away from projects, assignments and client meetings. It’s easy to click on, open and read emails each time you hear a ringing sound, alerting you that a new email has arrived in your in-box. It’s easy to answer your smartphone whenever someone sends you a text message or calls you, especially if you’re nervous about an impending sales meeting or expecting a call from a prospective client you want to secure a deal with.

It’s easy to get distracted while working from home, but it’s definitely not productive. Reduce distractions, get more done and start generating a larger income by:

  • Designating a specific room in your house as your home office and training your family members, including young children, that, when you’re in the room, you’re working
  • Stocking your home office with enough supplies to last a week or longer
  • Choosing a comfortable home office desk and chair
  • Opening blinds, drapes or curtains in your home office and taking in loads of natural sunlight
  • Keeping your home office free of a television, video game player and dual monitor that scrolls news or entertainment reports
  • Creating a daily, weekly and monthly schedule that list deliverables that you have to complete to meet due dates and financial targets
  • Playing soft music overhead while you work (if you find yourself spending too much time listening to the lyrics, turn the music off)
  • Waiting until you have completed projects for the day before you start performing errands around the house
  • Making it clear to your friends that you’re working from home
  • Exercising the courage to tell relatives, friends and neighbors that you cannot run errands for them during your work hours
  • Adding plants, flowers and motivational slogans to your home office to keep your energy levels high
  • Getting a restful night of sleep

Home should be a safe haven. However, it shouldn’t become such a comfortable place that all you want to do is lounge around while you’re home. Give into this temptation as an entrepreneur who works from home and your income may fall below your household expenses. Start taking steps now to create the type of home office that encourages you to focus on -- not run away from -- assignments, client meetings, sales calls and marketing activities. When you look at your salary at the end of the year, you’ll be glad that you did.




Categories: Uncategorized  


Posted by Jane Cheetham on 6/13/2017

The U.S. Department of Agriculture (USDA) offers multiple housing assistance programs for people hoping to achieve home ownership.

In spite of being offered by the USDA, you don’t need to be a farmer or rancher of any kind to qualify for a home loan. Similarly, you don’t have to buy a home miles from civilization--many popular, thickly-settled suburbs across the country also qualify for USDA programs.

In this article, we’re going to explain the different programs offered by the USDA, how to check your eligibility, how to find out which locations qualify, and how to get started with a loan.

USDA Assistance Programs

The USDA offers two types of home loans for prospective buyers. The direct program, or Section 502 Direct Loan Program, is designed to help low-income persons to acquire safe, affordable housing. The assistance for this loan comes in the form of a subsidy that can be applied directly to the applicant’s mortgage, reducing monthly mortgage payments for a certain period of time.

Another type of home loan offered by the USDA is the Single Family Home Guarantee. Much like an FHA or first-time homeowner’s loan, this type of mortgage is insured by the government. As a result, buyers can often qualify for lower interest rates and smaller down payments from their lenders.

Guarantees may be applied towards the purchase, rebuilding, or building of a rural home as an incentive to developing rural areas. Later, we’ll talk about what is considered “rural.”

Outside of help with buying homes, the USDA also provides grants and loans for repairing and modernizing rural homes.

Who is eligible for USDA mortgage assistance?

In general, those applying for USDA assistance must meet certain criteria. Applicants must meet income eligibility, be a U.S. citizen or qualified noncitizen, and must purchase a qualifying property.

For the Direct loan program, applicants must be without safe or sanitary housing and be unable to secure housing through other means. Whereas for USDA guaranteed loans, applicants need only fall under the maximum income limit.

To find out if you’re eligible immediately, fill out an eligibility form from the USDA.

How do I know which houses qualify?

Generally speaking, homes located within large, metropolitan cities won’t qualify for USDA loans. However, suburbs just outside of some larger cities often do. For example, towns located just a half hour’s drive outside of Boston have a good chance of being eligible.

To view the map of property eligibility, simply fill out the online eligibility form.

How Do I Get Started?

If you’re seeking a direct loan, you’ll have to contact your local Rural Development office. Applications for a direct loan are accepted year-round and are awarded based on funding availability.

For people looking for a private loan guaranteed by the USDA, applicants should contact an approved lender in the area. The lender will then work with the USDA loan specialist in your state.




Tags: Mortgage   home loans   USDA Loans  
Categories: Uncategorized  


Posted by Jane Cheetham on 6/6/2017

Many people find themselves repeatedly shocked by the price of their groceries at the checkout line. The price of food seems to go up every week and most people feel like there's little they can do about it but cut corners in other places. There are, however, many frugal eating habits you can build that will save you a ton of money on food, whether it's on groceries or eating out. Follow these frugal eating tips to start saving this week.

Set down ground rules on eating out

You don't have to totally deprive yourself of the luxury of eating out to save money. But there are many ways you can cut back on spending. Start tracking your spending by using a budgeting app, by checking your bank account, or just by using a pad of paper. Keep track of every quick stop for a sandwich, every trip to a fast food restaurant, and even every coffee you buy during the week. Many people are shocked to find that they spend up to $100 a month just on their daily caffeinated beverages. Now that you know the damage you'll be more motivated to make a change. Switch to making your own coffee. Buy yourself a nice travel mug and make it your best friend. When it comes to dining out at restaurants, make them special occasions. Decide with your significant other on two or three days of the month (every other Saturday maybe) when you'll go on a date night together. If you're flying solo, treat yourself to the same two nights out, whether it's just you or you're with friends.

Save on groceries

There are a number of ways to spend less at the checkout line that won't require you to eat any less or sacrifice nutrition. In fact, many of these tips will actually be healthier for you depending on your own eating habits and nutritional needs.
  • Buy in bulk. Certain staple items are much less expensive when bought in bulk. Rice and dried beans come in huge bags that will last months and there are an unlimited number of recipes you can make with these two items. Other great items to buy in bulk: frozen vegetables, pasta, cereal, oatmeal, toilet paper, and trash bags.
  • Cut back on meat. Americans eat a lot of meat. It isn't uncommon for some families to have meat every night of the week. If that's the case for you, try having one meat-free meal day. That alone will save you up to $15 per month. Vegetarian and vegan food options are endless and delicious, so you might soon find yourself spending less and less on meat at the grocery store.
  • Cook your lunches in advance. Rather than starving at lunch or suffering the same peanut putter sandwiches every day, make all of your lunches for the week on Sunday afternoon. There are a ton of bulk lunch recipes around the internet. Some suggestions: burritos, personal pizzas, crock pot meals, and stir-fry recipes are all easy to package for the week and store in the refrigerator or freezer.
  • Make a menu and a shopping list. Most people jot down a few things they need and then choose other items at random at the grocery store. Instead, make a menu for the week and buy only what you need.
  • Research frugal recipes. There are several books and websites devoted to frugal recipe ideas. How frugal? Some recipes are filling, nutritious, and cost as little as $1.00 per person to make.





Posted by Jane Cheetham on 5/30/2017

Where you buy a house is a big deal, especially when it comes to commuter costs. Considering that there are millions of Americans who commute more than 90 minutes a day to and from work, buying a house close to where you work could yield significant savings. You could keep money that you’d need to spend on a vehicle. That would also yield auto insurance and auto repair savings. You wouldn’t ever have to worry about getting sued and paying costly legal fees due to an auto accident that you caused. But, for a house close to where you live to truly remove the need to own a vehicle, the community where you live needs to have certain benefits. To begin, getting access to these benefits may necessitate living in a major city.

Community benefits that could help you wave good-bye to rush hour traffic

Simply put, if you live in a small town, rush hour traffic may be the last thing that you think about. But, that doesn’t mean that you’re in a position to sale your car or truck and not replace it with another vehicle. In fact, small towns may lack the following advantages. Therefore, moving to a small town isn’t enough to make a community fully walkable. But, these advantages could be:

  • Public transportation – Trains, buses and subways that are within walking distance of residential areas can create a fully walkable community. Examples of these communities include New York’s Manhattan and downtown Chicago. Even in places like Philadelphia and Atlanta,you can enjoy entertainment, shopping and expand your education without owning a vehicle. Uber, Lyft and traditional taxi services help make a community that much more personal auto free.
  • Food markets – Grocery stores, farmer’s markets and corner food markets need to be less than three to four miles of where you buy a house. If food markets are less than a mile from where you live, you could take a pull cart to the grocery store and roll your groceries back home.
  • Shopping centers – Similar to grocery stores,it’s important to live in a community that is near shopping centers. However, due to online shopping, this may not be an absolute requirement, as you could do a lot, if not all, of your shopping online.
  • Medical centers – Major cities offer easy access to medical facilities like urgent clinics, private physician’s offices and hospitals. If you buy a house that is on a public transportation line near one or more medical centers, worries that you wouldn’t be able to reach a medical center in time could vanish.
  • Outdoor facilities – A vibrant community offers you opportunities to get to know your neighbors via parks, outdoor dining areas and outdoor exercise facilities. Examples of these include outdoor basketball courts, tennis courts and baseball parks.
  • Entertainment hubs – Restaurants, concert halls and arts centers connect people. They also help you to enjoy your current experiences.
  • Businesses – Move to an area that’s near lots of start-ups, mid-size and large businesses and you could walk to work.
  • Literacy – Continual learning contributes to personal development. It also offers tools that help people get acclimated to different cultures, languages and parts of the country and world. Living near these places could motivate you to continue to learn and grow.

It’s not just the curb appeal, yard size and interior of a house that make taking on a particular mortgage a good deal. Where a house is located could put you within minutes of entertainment, history, public transportation, shops and grocery stores, places that you’d need an automobile to get to if you lived away from the hub of a city. As a minimalist or someone who simply wants to get out of the rat race, a house that eliminates the need to own and care for a vehicle could be perfect.




Tags: Real Estate   auto costs  
Categories: Uncategorized  


Posted by Jane Cheetham on 5/25/2017

This Single-Family in Uxbridge, MA recently sold for $468,000. This Colonial,Contemporary style home was sold by Jane Cheetham - RE/MAX Acclaim.


36 Clark Rd, Uxbridge, MA 01569

Single-Family

$469,900
Price
$468,000
Sale Price

9
Rooms
4
Beds
2/1
Full/Half Baths
Welcome home to this custom colonial with Craftsman accents (2014), constructed by the noted builder-Lobisser Bldg Co. Sited on 1.3 ac. at the cul-de-sac base, this quality built home is the first resale in the completed 8 lot subdv. of Aldrich Brook Estates. This private lot offers the dual benefit of being in a small community yet surrounded by open country (conservation space). The amenities are numerous (see att. details). Some highlights include: a welcoming Farmer's porch, a customized open floor plan designed for daily living and/or entertaining, HW flrs, a sleek, gourmet kitchen complete with Thermador appliances and eye catching Farmer's sink, fresh neutral colors, plenty of natural light, a high BTU direct vent gas f/p insert, propane heat, 9' garage doors, a generator hook up, walkout LL and a roomy composite deck overlooking the scenic woods. The property is ideal for those who desire a newer home but don't want the hassle/wait time of new construction. Absolutely move-in!

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Categories: Sold Homes