Top national parks for families

Each year, hundreds of millions of people visit the 397 destinations that comprise the country's National Park System. Summer is the ideal time to explore many of these parks, as the kids are out of school and activities in the parks are in full swing. Here are four national parks that are worth putting on your family's life list.

Yellowstone National Park

Spanning parts of Wyoming, Montana, and Idaho, Yellowstone National Park tops the list. Yellowstone was the first national park, created on March 1, 1872, in an act signed by then President Ulysses S. Grant, and it is the eighth-largest national park in the United States, which means there is a lot to see and do. It is home to the most geologically active lands on the planet. The gushing geysers and bubbling hot springs are the park's signature features. But the wildlife is famous, too. Get ready for the priceless look on your children's faces when they first see a bison crossing the road. With all this action, it is no wonder that Yellowstone is one of the country's most-visited parks as well. "If you want to miss the crowds, enter the park early in the morning, which is a great time to see the wildlife, too," says Nathan Borchelt, an editor and national park aficionado at GORP.com. "Or better yet, stay the night in the park for sunset views that day-trippers rarely see."

Great Smoky Mountains National Park

Covering more than a half a million acres, Great Smoky Mountains National Park in North Carolina and Tennessee is the most-visited national park in the country (drawing in around 10 million visitors annually). This park makes the list because it provides easy access to nature and is within a day's drive of nearly a third of the U.S. population. The park has nearly 800 miles of hiking trails and 16 mountain peaks higher than 6,000 feet. Families will see plenty of diverse wildlife, such as black bears, elk and a diverse collection of fauna and flora. Also, the park encompasses more than 90 historic buildings to explore.

Acadia National Park

Acadia National Park near Bar Harbor, Maine, delivers the full outdoor experience. It was the first national park created east of the Mississippi, and it is best known for its boulder-lined coast and former carriage-path trails that wind through the forest. Go hiking or trail running on Cadillac Mountain and enjoy the beautiful views and fresh mountain air. Also, explore the shores and islands with the family by kayak or canoe; areas such as Eagle Lake and Porcupine Island are stunning. Be sure to snag some of the area's famous lobsters and blueberries. And if you have time, plan a day-trip to Nova Scotia on the ferry.

Grand Canyon National Park

Grand Canyon National Park, also jokingly known as the eighth wonder of the world, brings in more than 5 million visitors each year. Hiking below the canyon rim or rafting a section of the Colorado River will ensure the whole family experiences more than just a panoramic view from the top (though that's one stunning view). Tell the children that the rock they just touched is more than 2 billion years old, and you will most certainly see a look of wonder. If you are really adventurous, you can plan a mule-trek into (and out of) the canyon, but be sure to drink lots of water and put on sunscreen, as it will get hot as you ascend almost 4,500 vertical feet.

http://www.jaredanthonycox.com

5 Things to Consider About a Neighborhood Before Buying

Buying a home is a long-term, important investment, so take the time to discover what makes your targeted neighborhoods tick. There are a number of ways to check the pulse of a community; talking to neighbors can give you a great snapshot of what it’s like to live there. Here are five other ways to determine whether a neighborhood is the right fit for you.

1. Is it an up-and-coming area or still in transition?
You might start by researching local home values and foreclosure rates. Consider such factors as crime rate, development plans and proposed or new businesses. You can even contact local officials, such as the county property appraiser or the HOA manager (if applicable) for better insights. Sometimes buying a home in a transitional area may prove to be a good investment, but you probably want to make sure you'll feel good about your home in the interim, too.

2. Do the schools make the grade?
Even if you don’t have school-age children, you should be interested in how the schools in your potential neighborhood perform. Homes near high-ranking schools tend to maintain higher resale values. Start your research by visiting GreatSchools.org  or using the SchoolFinder tool at education.com.

3. What’s nearby?
Consider what’s important to you in your future neighborhood, and then explore the surrounding areas near your targeted home. Among things to keep in mind are proximity to stores, schools and green spaces. Aside from being practical, these amenities make it easy to mingle with neighbors, set up kids’ play dates or just play fetch with your pup. WalkScore.com is a great place to search for nearby amenities – all you have to do is plug in an address and mode of transportation.

4. How far is it from work?
Try the new INRIX Drive Time tool on remax.com to determine how long it will take you to drive to work, school or area stores from your new home. You can also time a potential commute by doing a test drive during the time of day you’re most likely to go to and from work. Explore mass transit options. In addition to offering an alternative to driving, good public transportation near your home can have a positive effect on your property value.

5. How safe is it?
A neighborhood watch, well-lit streets, walkways, security systems and little to no signs of vandalism are signs of a safe neighborhood. You can see a picture of the types of crimes that occur in the neighborhood by researching on city-data.com or FBI.gov and the local police department’s website.

A RE/MAX agent is one of the best helpers you could have on your quest to find the right neighborhood – and the right home – for your needs.

For the information you’re looking for, give me a call at 832-570-5726 or visit me online at CallJared.com.

Celebrate a World Cup of Your Own

Scorrrrrrrre!!!!!!
 
Celebrate a World Cup of Your Own
 

Word Cup Wonder!

You may not make it to the FIFA World Cup this year in Brazil, but you can still score big by improving your FICO or Vantage credit score.

There’s no way around it, if you want to buy a home with a mortgage, you’ll get a better rate with a higher credit score. Unfortunately, your credit score takes into account several years of your past financial decisions and missteps in addition to your current situation. While there is no easy “fix” to your credit score, practicing these five suggestions can help you move it in the right direction.

Keep Paid-Off Debt on Your Report
While negative debt on your report is bad, paid-off debt is a positive contributor to your credit score. Most of your negative debt falls off after seven years, but keeping positive debt in place can help. If you’ve paid off that line of credit, keep it open (just don’t use it) and when you switch to a different credit card because it has a lower interest rate, keep the old one (again, just don’t use it) so that your “available credit” is higher.

Revolving Credit
Your score reflects how much credit you have versus how much you are using at any given time. The lower the credit usage to credit available, the higher your score. To increase your credit available, pay down your balances. Even if you pay your entire balance off every month, you may appear to have a higher usage to available ratio. Since it is your statement balance that many card issuers report to the credit bureaus, consider paying ahead of the statement date.

Small Balances on Several Cards
When you have several cards in use at once, even if they have small balances, your score reflects the number of credit accounts in addition to the total balance. Pay off the small balances. Use your lowest interest-rate card for most of your purchases.

Avoid Unnecessary Credit Report Dings
When you apply for credit, it may cause a slight dip in your credit. When shopping for the best rate, you may apply for several loans in a short amount of time. According to Bankrate, the FICO scoring system ignores multiple requests for the same type of loan, treating them as one request within a scoring timeframe (typically 30 to 45 days), but with other systems you have only 14 days. In very old systems, student loans in particular may not appear as one request, so avoid applying for student loans when also applying for a mortgage. The Vantage Score model uses a rolling 14-day window for duplicate loan inquiries, so shorten up your shopping time accordingly.

Nuisance Bills
When trying to pull together a down payment for a big-ticket item (car, home, etc.), take care to pay smaller bills that can hurt you later. For example, that library fine or leftover medical bill that ended up in collection and remains unpaid can hurt either your FICO or your Vantage Score, but if you’ve paid them, your Vantage Score does not factor them into your score.

Credit scores move up slowly over time. Start working to improve your credit score immediately so that when you’re ready to shop for that home loan, you’ll already have a great credit score.

Compliments of Virtual Results

Jaredanthonycox.com

#Houston #Realestate #Condos #Galveston #Homes #CreditRepair

Three steps to an organized garage sale

OK--you finally finished your spring cleaning. You spent days sorting and purging through your belongings. You threw a few things out. You even repaired that old clock you've had for years. But what will you do with everything else you uncovered and discovered? If you're willing to invest some time and energy, why not have a garage sale?

Garage sales are a great way to get rid of the things that you no longer want, need or cherish. But is it as easy as just dumping your stuff on the lawn and waiting for customers to drive by? Not if you want to make any money, it isn't. Besides having decent-quality merchandise, the key to a successful garage sale is being organized.

Here are 3 steps for making your garage sale organized for happy customers and optimal sales:

Step 1 - Pre-Sale Organizing

• Select a weekend for your sale and make no other commitments on those days. You WILL be exhausted. Ask friends and neighbors if they would like to join you. It is a perk to be able to split advertising costs and have someone watch over your area while you're grabbing a snack or running to the bathroom.

• Have you ever been to a garage sale where the items had no prices on them? One way of making 'Garage Sale Day' organized is to create a pricing system. This makes the selling easy for you and the buying easy for your customers. Purchase colored, circle-shaped labels from your neighborhood drug store or office supply store. Designate each color to be a different dollar amount, for example: Blue = $.25, Red = $.50, etc. Use white circle labels to write in prices higher than $1.00. Make signs that describe how much money each colored circle is worth. These should be posted around the area of your garage sale so you don't have a constant stream of people asking you about prices.

• For making your system even easier, you can purchase a package of yellow, circle-shaped labels that already have the amounts $.25, $.50, $.75, and $1.00 written on them.

• Select one area in your home to be the staging area for pricing items and one area (most often the garage or an underutilized room) for storage of the items before the garage sale. Price the items accordingly using the colored, circle-shaped labels. Then move the priced objects into the pre-garage sale storage area. This space will enable you to see exactly what you have and allow you to group like-items together such as books, kitchenware, toys, etc.

•Start saving grocery store bags as well as heavy-duty shopping bags. Your customers will appreciate your preparedness and it will be easier for them to carry their new-found treasures.

• Some of these new-found treasures will be breakable. Start saving newspaper, old wrapping paper and bubble wrap. These packing materials will help your customer get their breakable purchase home in one piece.

• Borrow and gather card tables, crates, workbenches, and other horizontal surfaces for displaying items.

• Make signs and put them up on nearby streets facing oncoming traffic.

• Check with your town regarding permits for having a garage sale.

Step 2 - During-the-Sale Organizing

• Post your pricing system signs around the area of your garage sale.

• Wear clothing with pockets. Pockets come in handy for holding some or your garage sale supplies such as pens, markers, and extra price stickers.

• Wear a fanny pack around your waist. Your money will be close to your body without spilling out of your pockets. The pack should have a minimum of two pouches. Dollar bills go in one compartment and loose change goes in the other.

• Know exactly how much money you started the day with so you'll be able to calculate exactly what you earned.

• Set up your belongings outside by category -all kid's stuff in one area, sports equipment in another area, etc. Group items with other like items to the best of your ability. If a customer is looking for toddler toys and they're all in one place, it's very likely that they'll buy more since everything they need will be right in front of them.

• Have at least one other person working with you. It is difficult to sell merchandise, wrap breakables and field questions by yourself. Take turns helping customers, straightening up the merchandise, and taking breaks.

Step 3 - Post-Sale Organizing

• Bring everything that was not sold into the room that was used as a staging area and make final decisions on whether or not to keep unsold items.

• Throw out anything that became damaged, dirty, or broken as a result of being at the garage sale.

• Donate the 'leftovers' to a charity such as The Salvation Army or the charity of your choice. The Vietnam Veteran's Association will often pick up donated goods at your home.

• Clean your lawn/driveway of any debris from the garage sale.

• Count your money and determine your profit.

• Place your fanny pack, the colored stickers, your pricing signs and other supplies from the garage sale in a container. Label it 'Garage Sale Supplies.' Now you're ready for your next garage sale. Job well done!

by: Stacey Agin Murray

http://www.articlecity.com/articles/home_improvement/article_5108.shtml

jaredanthonycox.com

​Green Gardening Tools and Techniques that Really Work

(BPT) - Americans have embraced recycling and are enthusiastic about cleaner energy sources. Yet when it comes to caring for their outdoor environment, many people still use less earth-friendly tools and techniques. So what's standing in the way of Americans going green in their gardens and landscapes?

One answer may be the common misconception that eco-friendly products and practices don't work as well as less environmentally conscious ones - such as chemicals that repel common garden pests, but can also cause groundwater contamination.

"Advances in environmentally responsible products have made it possible for homeowners to effectively care for their gardens and landscaping, while protecting the environment at the same time," says Elizabeth Summa, president of Repellex, which makes eco-friendly lawn and garden products.

Some greener gardening tools are time-honored, like rotary lawn mowers. Others are leading-edge, such as pest-control products that are eco-friendly. Here are a handful of environmentally safe, effective ways to keep your landscape and garden green this spring and summer:

Responsible repellent - Deer, rabbits, squirrels and gophers - animals munch on landscaping and garden plants because they're hungry and the vegetation tastes good to them. Eco-friendly repellents, like those made by Repellex, use taste aversion and natural ingredients like pepper, dried bloodmeal and egg to make non-edible plants less appealing to foragers. Repellex Systemic Tablets deliver a dose of pepper to the roots of plants - just place in soil, water and walk away. The flavor gets absorbed through the roots into non-edible plants, making them taste unappealing to garden pests. For edible plants, Repellex Fruit & Vegetable uses a combination of putrescent eggs and plant extracts to keep animals and insects away from fruits and vegetables all season long. Log on to www.repellex.com to learn more.

Friendlier mowing - Long before combustion engines made it possible to mow your lawn quickly and easily, people relied on rotary mowers - also known as reel mowers. Environmentally responsible gardeners have rediscovered these people-powered mowing machines. Reel mowers have many positive attributes: they are pollution-free, quiet and very economical to operate. Modern reel mowers are lighter, smaller and with fewer working parts that require maintenance and repair. They're also a great way to exercise; walking behind a rotary mower burns more calories than pushing a self-propelled mower.

Organic fertilizing - Chemical fertilizers are a well-known source of groundwater contamination, yet some form of additional nutrients is almost always necessary for successful gardens and lawns. The EPA says composting can eliminate the need for chemical fertilizers and results in higher crop yields. You can compost food waste from your own kitchen, as well as grass clippings and other yard waste. Composting your own organic waste at home not only reduces the amount of waste that ends up in landfills, it can provide you with an effective, eco-friendly and essentially free way to fertilize gardens and flower beds. For lawns, you can find a variety of organic fertilizers - based on natural ingredients rather than chemicals - at most hardware, big box stores and garden centers.

Kinder weed control - Weed killers are also well-known contaminants, and can be hazardous when used around small children or household pets. Before you bring out the spray bottle, consider weed-elimination alternatives that are kinder to the environment. Some very effective options include using a mixture of vinegar and water, boiling water and even pulling weeds by hand. Removing weeds by hand also adds a health benefit for you - you'll burn more calories pulling weeds than simply spraying them.

Bug-free without bugging the environment - Chemical insecticides can be harsh on the environment - not to mention skin if you use a chemical repellent to ward off mosquitoes and other biting bugs. Instead of chemical insecticides, consider natural alternatives. Repellex's Mosquito & Tick product keeps mosquitoes, ticks and other insects off you by keeping them out of your lawn and garden. The all-natural repellent sprays on your lawn, garden, patio, deck and home exterior to ward off these disease-carrying insects.

Choosing to go green with your lawn and garden care doesn't mean you have to give up effectiveness. With the right tools, it's possible to accomplish your lawn and gardening goals while protecting the environment at the same time.

http://www.jaredanthonycox.com

Learn the Details of Counter Depth Refrigerators

If you are unsatisfied with the space in your kitchen, but need lots of room in the fridge, you should consider counter depth refrigerators. This kind of appliance does not stick out any farther than your kitchen cabinets, which means that it takes up less room than a traditional fridge. However, it is often a bit taller than most refrigerators so that you do not lose much space when it comes to storing your food. Think about the details to consider before you start browsing counter depth refrigerators.

This kind of fridge usually has different measurements than most types, as it usually sticks out into the walkway a few inches less than most, but is a few inches taller. This means that you need an appropriately high ceiling in order to fit this fridge into your home, so be sure that you measure the height as well as the depth. Of course, you should also consider the width like you would before buying any fridge, but the width of most counter depth refrigerators is typically the same as other types.

If you want to add style to your kitchen while adding space, you should consider counter depth refrigerators that blend into the cabinetry. If you go this route, you will need a custom fridge company, but the results are often worth it since having matching cabinets and appliances is certainly unique. Keep in mind that many of the popular counter depth refrigerators on the market come in the French door style, adding to the classy appearance that most homeowners crave.

Of course, you can expect to pay a little more for this kind of fridge than most others, as the style is unique and up-to-date. Consider how important your kitchen's image is to you. If you rarely use it or show it off and want to save money, you might be better off sticking to traditional top freezer or side-by-side styles. However, homeowners who spend a lot of time in their kitchen and enjoy showing it off to guests will likely find this a worthy investment in their home.

Counter depth refrigerators are not for everyone, and if this style does not appeal to you, remember that there are several other types of fridges on the market. Before you browse counter depth refrigerators, you should first decide if this is the style you really want and can afford. The next step is to measure your kitchen and make sure that it will fit, and then determine whether you want a counter depth fridge from the store or from a custom refrigerator builder. Thinking about these details first can ensure that you are satisfied with this major purchase.

#Houston #Homes #Remodel #RealEstate
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6 simple steps for you to follow for a clean and organized garage

Your garage's main function is usually to safeguard and store your car, truck or motorcycles. That can't take place if your garage has turned into a glorified storage unit, stuffed to the rafters with boxes, toys, tools, bikes, strollers and everything else you either don't have room for or just don't want in the house.

Below are 6 easy to follow steps that will help you clean and organize your garage and seize control once again.

Step 1 - get everything out of the garage and sort it all into groups. Categorize it all and put everything into groups with like items. For example, toys with toys, carpentry tools with carpentry tools, yard tools with yard tools etc. Make a pile for trash, anything you don't want that you can sell in a garage sale and items to give away.

Step 2 - Get the appropriate organizational tools and supplies. After you've grouped everything, decide on exactly what tools and resources will help you organize these items better.

For example,do you need shelves? If so what kind... a free standing shelving system or shelves mounted to the wall? Do you need storage bins, cabinet systems, tool chests, peg boards, hanging roof systems, hanging bike racks, hooks etc.

Step 3 - Clean garage. As soon as you empty your garage it's important to take time to sweep out all the loose debris and remove cobwebs. You'll appreciate your garage much more if it's clean so make sure to sweep and dust routinely.

Step 4 - Decor. This does not mean you need to remodel your garage into pseudo-living room, however you could think about a fresh coat of paint on the walls. Next think about the floor?

Lots of people prefer to paint and seal the floor of their garage to protect it from stains and also makes cleaning easy. Transforming your wall and floor surfaces will have a enormous effect on the appearance of your garage.

Step 5 - Arrange Items For Storage. As soon as you are done with cleaning the garage (floor and walls) now's the time for you to put everything back. Place those items that you use on regularly within easy reach.

Put items less frequently used further back in the garage or higher up on shelves or in cabinets. Putting labels on shelves, bins and boxes will make it a lot easier for you to find what you're looking for.

Step 6 - Lastly, make some rules for yourself and family members and implement them. Rules along the lines of, "Always return the items you used back to where you got them," needs to be put into practice at all times if you plan on keeping your garage clean and organized.

If you follow these 6 simple steps, in no time you will have a clean and well organized garage. Not only will you be able to park your car in your garage but you'll also be able to find anything want when you need it. One more thing, don't forget to have a garage sale to help get rid of all those unwanted items and put some cash in your pockets!

by: Walter Jensen

http://www.articlecity.com/articles/home_improvement/article_7210.shtml

http://www.jaredanthonycox.com

Moving this Summer? Navigate the Peak Season Like a Pro

(BPT) - Summer is busiest time of the year for home and business moves. In fact, an estimated 65 percent of the 43 million Americans who are moving this year will do so in the period between Memorial Day and Labor Day.

What does that mean for those with a move in the immediate future? Considering the fact that moving is ranked just behind death and divorce in terms of life's most stressful events, a summer move might mean stocking up on extra stress balls and taking a few extra deep breaths along the way.

"Whether you are hiring help or doing it yourself, you can expect a fair amount of anxiety," says Sean E. Burns, a psychologist with Counseling Associates of West Michigan. "It's helpful to simply recognize that it's normal that your life is out of order during this period. Once moved, it's important to resume life's routines as soon as possible. Don't worry about getting everything in place right away; put a priority on resuming your workouts and family trips to the park, and the rest will take care of itself over time."

A summer move also means that you need to plan further in advance and be more flexible with your move dates.

"We moved 1.3 homes or businesses per minute last summer," says Randy Shacka, president of Two Men And A Truck, the nation's largest franchised moving company, "In fact, we moved 2,851 homes and businesses in the two days between June 28 and June 29. Based on year-over-year trend analysis of every move within our 260 store system, we believe that same weekend will likely be our busiest again this summer."

So, beyond avoiding a late June move, how do you begin to navigate the waters of the busiest moving season?

"In a perfect world we'd all plan ahead, but the reality is we're busy with work and life and next thing you know you have seven days to get moved," Shacka says. "So while it's important to be flexible, box things in advance, etc., you might just consider doing a few simple things to make your life a bit easier on move day."

Shacka suggests the following:

Kids rule: If hiring a sitter isn't an option on move day, get the kids involved as "supervisors." Help them with a simple checklist or turn a box into a "treasure chest" of their own belongings so the move becomes a positive experience for them. For more kid-friendly move-day ideas, visit www.twomenandatruck.com/moving-with-kids.

Free Fido: If watching the kids weren't enough, try managing the dog as she tries to skirt through every open door. Ask a family friend to watch the animals, or consider boarding them for the day. The money spent is a good investment in reducing your overall stress.

Space it out: Often homeowners will move all their furniture into one room to save time for their movers. This can be a cost savings for boxes, but when it comes to furniture it can slow the move down. A good moving company will use stretch wrap to protect furniture, so when packed tightly together into one room the pieces have to be moved twice to properly prepare for the move. Go ahead and consolidate boxes, but save yourself the hassle and leave furniture where it lives.

Picture this: Photos are often the last thing to be packed because it seems safer to just leave them hanging until they are ready to be moved. In truth, they often delay a move because movers have to remove them to get furniture past. This time ask your movers to provide you with-the appropriate packing materials in advance and pack your photos yourself. It's often light lifting, and it's a fun way to relive memories while thinking about life's next great adventure.

For more moving advice, visit www.twomenandatruck.com.

http://www.jaredanthonycox.com

#moving #realestate #Houston #Galveston #Texas #Property

TFSA (Tax-Free Savings Accounts) Tips for Young Families

(NC) Still wondering how to use a Tax-Free Savings Account to your best advantage?
“When you're starting a family, setting financial priorities can be a challenge,” said Tannis Dawson, a tax and financial planning expert with Investors Group. “A TFSA is a flexible way to save and minimize your taxes at the same time.”
Dawson offers these TFSA tips for young families:
Save for emergencies and large short term expenses like a vehicle, vacation or home down payment without having to liquidate investments and paying taxes on the income.
Save for a home in addition to or instead of the RRSP Home Buyers Plan.
Save for education in addition to or instead of non-registered savings, the RRSP Lifelong Learning Plan or RESPs.
Save for your children: as a parent, you retain control of TFSA funds and when to disburse them.
Save to start a business: TFSAs are a tax-effective way to save the initial equity you need and can be used as security for bank financing.
Save for retirement in addition to your RRSP contributions.
Source: This column, written and published by Investors Group Financial Services Inc. (in Quebec – a Financial Services Firm), presents general information only and is not a solicitation to buy or sell any investments. Contacta financial advisor for specific advice about your circumstances. More information on this topic can be obtained from your Investors Group Consultant.

http://www.jaredanthonycox.com

Avoid Emotional Investing

(NC)—Emotional investing doesn't pay—it costs you instead, says Andy Beer, strategic investment planning expert at Investors Group.
“Market study after market study have clearly proved that when investors are driven by emotions—jumping into and out of stocks looking for the next winner, pouring money into mutual funds following a period of strong market growth, and then moving to the next 'hot' asset class during market troughs—they often lose, and sometimes lose big.”
Beer explains that trying to time the market or an individual stock almost never works. But time in the market often does by delivering better overall returns—especially when you couple your long-term stay the course strategy with other key strategies such as effective asset allocation and dollar-cost averaging.
He noted that volatility is the nature of stock markets, but with a carefully selected and properly diversified 'mix' of assets, you can effectively reduce risk, and enhance your chances of achieving your long-term goals.
Beer also suggests that dollar-cost averaging (the strategy of buying a stock or fund on a regular basis regardless of the stock or fund price) is an investment strategy that saves you from trying to time the market. This approach is designed to lower the average cost of your stock or mutual fund units, and ensures you are always participating in the market, so you will never miss out on periods of excellent returns.
Source: This column, written and published by Investors Group Financial Services Inc. (in Quebec – a Financial Services Firm), presents general information only and is not a solicitation to buy or sell any investments. Contacta financial advisor for specific advice about your circumstances. More information on this topic can be obtained from your Investors Group Consultant.

http://www.jaredanthonycox.com