Corrine Canale- Select Real Estate Professionals Inc

06/21/2024

LUBERTI, MARILYN Age 73 passed away on Thursday, June 20th after a brief illness. Beloved wife of John for 52 years. Loving daughter of Angeline (the late John) DiGiovanni. Dearest sister of Concetta "Corrine" Canale, Mariano "Skip" (Sue) DiGiovanni, Joan McCall & Susan DiGiovanni. Dear sister in law of Andrea (Bob) Reed, the late Elizabeth Paoletti, the late Laura Luberti & the late William "Bill" Luberti. Cherished Aunt of David Canale, Lisa (James) DeBlasi, Michelle (Karl) Plattenburger, Marianna DiGiovanni, Ambrose DiGiovanni, Jesse (Kendall) Hollen & Liz (Tony) Bartolotta. Also survived by many loving great nieces and great nephews. Visitation Thursday 3-8pm with 7:00pm Scripture Service. Funeral Friday 11:00am at Wujek-Calcaterra & Sons 54880 Van D**e at 25 Mile (SHELBY TOWNSHIP).
"On Line Guest Book" @ WujekCalcaterra.com.

01/20/2024

Let's go shopping! Homes are coming on the market daily. Rates are going down a bit. A good time to start looking! call me!

10/06/2022

Housing Supply Problems Need Action from Lawmakers
Although home price appreciation has slowed, a nationwide decline is unlikely, said Lawrence Yun, chief economist for the National Association of Realtors during his testimony on Capitol Hill.
Yun focused on the effects of COVID-19 on the housing market, along with decades of underdevelopment and underinvestme and fluctuations in mortgage interest rates.
Historic undersupply in the housing market and elevated demand will continue to keep homes unaffordable for many Americans. Any short-term price adjustments, if they happen, are likely
to be far less consequential than the long-term housing affordability challenge the U.S. faces.
There is currently a deficit of 6 million housing units, according to research commissioned by NAR in the past year. The current circumstances where housing inventory is low, but demand is high is decades in the making. It has led to year-over-year price growth in the housing market for a record 124 consecutive months, according to a NAR report.
The housing market responded to the changes in mortgage rates when the Federal Reserve went all-in during the early months of the pandemic, Yun added.
An increase in available inventory during the first half of this year has been offset by the impact of inflation.

07/08/2022

The Most Cunning Secret Hiding Spots We've Ever Seen
A Little Cleaver Thinking

Old Vacuum Cleaner
Stop by your garage sale this weekend and chances are you'll come across an old canister-style vacuum cleaner. Simply remove the bag inside and clean it up to create your hidden storage. Keep it in an untidy corner of the garage or closet, and you'll further ensure thieves pass it by.

Bottle Rock
You've no doubt seen those fake rocks that hide a key outside a front door. The problem is they always look fake. Instead, glue a real rock using construction adhesive to the top of an empty pill bottle. Drop your key inside and replace the rock cap. Bury in the dirt so that only the rock shows.

Air Vent
You probably wouldn't want to store anything in your actual air vents because it could interrupt air flow Instead, consider installing a false air vent made to stash cash and other valuables. Thieves who need to be out of your house fast likely won't take the time to unscrew them.

Electrical Outlet
Similar to an air vent, a false electrical outlets can fit small items like gemstones and cash. Just make sure you purchase a design that matches your other outlets and that you place it in a logical location

Bathroom Tile
If the tiles in your kitchen or bathroom measure at least 3" by 3", you can hide a small storage compartment behind it. Pull off one tile and cut a hole in the wall that's slightly smaller than the tile. Then attach a small plastic bin to the back of the tile and replace. Use a suction cup to grab the tile when you need access.

Inside a Water Bottle
An innocent-looking plastic bottle can hold more than just water. Consider filling your rig with this one from Stun Security: With a sealed cap, you can fill it with actual water. But pull it apart, and a secret dry compartment behind the label is revealed, perfect for storing jewelry and other small items.

In a Clock
This generic wall clock from Street Wise both appears pretty thrifty and hides your cash. Lift the clock face to reveal a small storage area for cash, keys, USB storage devices, and other valuables. And so as to not draw suspicion, it actually works. Hang it high and raise your chances thieves will pass it by.

False Bottomed Drawer
Creating a false bottom in a dresser drawer is a quick and easy DIY project. Cut a piece of plywood to the right dimensions and glue wine corks, or something similarly sized, in the bottom corners of the drawer to support the false bottom. Keep the compartment shallow to make it less suspicious to an intruder.

Two-Faced Tubes
Repurpose a spent magic marker or a used-up lip balm into a sneaky hiding spot for cash or small notes. Carry it in your pocket or keep it on your desk – no one will ever think to check for valuables there.

Sliding Mirror
A wall niche is a design feature you can use to your covert advantage. You’d never guess that behind this trendy designer mirror is a secret compartment. Fitted with some drawer sliding hardware, it rolls away to reveal whatever you want to keep hidden.

Potted Plant
Hiding things in plain site is one of the best ways to beat a thief. This IKEA potted plant hack is a clever way to stash everyday valuables. All you need for this DIY is some dirt, a craft knife, a yogurt tub, and some hot glue. No one will guess what you’re hiding inside. Just remember not to water it!

07/08/2022

BARBECUE HACKS
Avoid a Sticky Grill by rubbing half an onion over it.

Natural Mosquito Repellent. - Use sage over a fire or on your grill (after cooking) as a natural mosquito repellent.

05/27/2022

10 Tips for ENDING ROBO CALLS, Junk Mail, and More
Register Your Numbers - The Federal Trade Commission launched a National Do Not Call Registry in 2003 and since that time, some 230 million phone numbers have been registered on the service. Registration is free and can be done by visiting the website or by calling 888-382-1222 from the phone number you wish to register. The FTC promises that you will get fewer telemarketing calls within 31 days of registering your number.
Fight Fire With Fire - Automatic, computer-dialed phone calls, also known as robocalls, can be blocked by using the same type of technology that enables them. Consumers can sign up for a free service, No Mo Robo if they have a land line that uses Voice Over IP technology. The service works by intercepting Caller ID information, and then hanging up on the robocalls, so you might hear one ring before the call is disconnected.
Download An App - Although the federal government has made it illegal for robocallers to target mobile phones without first receiving consent, yet that hasn't stopped unscrupulous scam artists from hitting your cell with automated calls. To fight back against the onslaught of calls to your smartphone, there are a number of apps available for download: Truecaller is a Caller ID and spam blocking app to help you block unwanted calls and texts; RoboKiller, available for iOS, claims to reduce unwanted calls by up to 90% in 30 days. Call Control, available for Android, stops junk calls and texts from getting through to you.
Check With Your Phone Company - Many local telephone service providers offer a free or low-cost service called anonymous call rejection (ACR) to block unknown or hidden numbers. Some ACR systems force callers to reveal their identity by stating a name or entering Caller ID information. The service usually can be activated by contacting your local telephone company.
Sign In To Opt Out - Pre-screened credit card offers and insurance sales pitches are the bane of your postal carrier’s existence, and they don't do anyone any good taking up space on the entryway console. You can choose to opt out of these offers online, or by calling 888-5-OPT-OUT, or by sending a written request to each of the major consumer credit reporting agencies: Equifax, Experian, Innovis and Trans-Union. Keep in mind, in order to successfully opt out, you will need to provide certain confidential information, including your home telephone number, name, Social Security number, and date of birth.
Register Your Address
With Direct Marketing Association, you can decide what mail you do and do not want to receive for up to 10 years—for a small processing fee of $2. Alternatively, you can register by mail by sending a signed request with your name and address, along with a $3 processing fee.
Contact The Companies Directly
If catalogs are clogging your mailbox, the best way to cut the clutter is to contact the sender directly (an office phone number is usually listed directly on the catalog). Catalogs are expensive to produce and mail; therefore most companies will take you off their mailing lists so that they don’t waste their marketing dollars on a uninterested party.
Fill Out A Form - The U.S. Postal Service has strict guidelines regulating certain types of mail, particularly sexually-oriented advertising. To prevent or stop receiving sexually-explicit mail, fill out the PS Form 1500; you can block specific senders or all mail with sexual content.
Use Your Spam Filter - All email programs come with some version of a filter to block unwanted junk email, or spam. When you get an unsolicited email, highlight the message and create a rule identifying it as spam. The steps involved differ by email platform, but generally speaking, your spam filter should get smarter over time and block more and more of the messages you don't want to see.. Just Say No! - Don’t give out your home phone number, cell phone number, email address or any other personal information to businesses. It's too late to go back in time and get your information from all the vendors, services, and businesses you've ever worked with, so you also can request to be removed from telephone, mail and email lists from companies that you have done business with in the past. Keep a record of your requests, and file complaints with the Federal Trade Commission and the Better Business Bureau if a company continues to pester you.

How to End the Harassment - Don’t give out your home phone number, cell phone number, email address or any other personal information to businesses. It's too late to go back in time and get your information from all the vendors, services, and businesses you've ever worked with, so you also can request to be removed from telephone, mail and email lists from companies that you have done business with in the past. Keep a record of your requests, and file complaints with the Federal Trade Commission and the Better Business Bureau if a company continues to pester you.

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04/30/2022

Fast and Easy Ways to Improve Your Credit Within Months

Improving your credit score can take a few months. So if you’re looking to get an auto or home loan, or want to apply for a new credit card, an early start can give you time to raise your credit score and then get a loan or new credit card at a better interest rate.

Here are some ways to improve your credit within a few months:

Pay your bills on time
Payment history is the most important factor in FICO scores, accounting for up to 35 percent of a credit score. Paying your bills on time — from credit cards to utility bills — can help a lot.

Late payments stay on a credit report for seven years. The longer ago they happened, the less they affect credit scores. If a bill goes unpaid long enough the debt can be sold to a collection agency, which will be reported to credit bureaus.

Set up online alerts when a bill is due, look at your balances online and set automatic payments for a credit card.

Low credit utilization rate
Keeping a low balance lowers your credit utilization rate, which is the amount of credit you’re using. Also called credit usage, it is the second most important factor in credit scores and accounts for 30 percent of a score.

It’s calculated by dividing the total of your balances by your total credit limits. Paying off the balances in full each month should keep the credit utilization rate low — preferably not more than 30 percent on any one card or in total.

Increase your credit limit
Another part of credit usage is how much your credit limit is. Increasing your credit limit just a little by getting a new credit card can lower your credit utilization rate by giving you more money to use.

However, using that higher credit card limit could increase your credit usage, so you may want to use it rarely and pay it off in full each month.

Keep those old credit cards
If you’re thinking about cutting up some old credit cards that you don’t use anymore so that they won’t be tempting to use, forget it.

Age of credit history has a 15 percent impact on a credit score. Creditors and lenders like to see an average account age of more than five years.

Few credit inquiries
Credit inquiries account for 10 percent of a credit score. To minimize the impact on your credit score, keep credit applications to within a one-month period when you need a new credit card or loan.

So, if you’re going to apply for a new and better credit card, apply for all of them in the same month.

I hope you enjoyed this article. Contact me today with your real estate questions!
C Corrine Canale - 586-201-5977

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07/29/2021

Just Listed! Updated kitchen, bath, new furnace and a/c! Call me! 586-201-5977

01/09/2021

Grocery Items With the Biggest Pandemic Price Increase—and What to Buy Instead
You can blame the pandemic for your higher grocery bills. In the wake of Covid-19, food prices have gone up for many items you probably buy regularly
Yes, You’re Paying More

Here’s a look at grocery items that have had the biggest pandemic price increase, and some potential substitutes.
Eggs
A cornerstone of breakfasts and a key ingredient in many baked goods, eggs have become more expensive, their price shooting up 16.1 percent in April. The initial increase was due to high demand and consumer panic, as well as the upcoming Easter holiday.
Tip: for egg replacements in baking, including ripe bananas, silken tofu, or even a mix of vinegar and baking soda.
Beef
That steak or burger on the grill cost you more in April 2020 than it did just three months earlier, the cost of beef rose 20% from March 2020 to June 2020. That increase was largely due to the declining meat supply as meatpacking plant closures swept through the country.
Tip: To stretch your grocery dollar further, try adding mushrooms, lentils, or black beans to your burger, taco meat, or meatloaf mix.
Flour and Bread
More people staying home meant more people baking during pandemic. This spring, flour companies saw record sales as customers stocked up on baking supplies. The cost of flour increased in April by 1%, while bread prices rose 2.3 %.
Tip: If all-purpose flour isn’t available, try oat, rice, or almond flour for your home-baked goods.
Pork
The price of pork products, including pork roasts, bacon, sausage, and chops, rose dramatically during the first half of 2020. Pork prices are up 6.1% due to pandemic’s effect on meat-processing plants.
Canned Tuna
Sales of canned tuna escalated during the first half of the pandemic, as more people were eating lunch at home and looking for affordable meal ideas. Prices for tuna were up 41% in May 2020 compared with the same period in 2019. By contrast, sales of fresh and frozen seafood plunged.
Non-Alcoholic Carbonated Drinks
Soda drinkers and carbonated water lovers may have noticed their favorite beverages became a bit pricier after the pandemic hit. An increase in demand translated into a price increase of 3.6%.
Tip: For those looking to save money on soda in the long run, Soda Stream sparkling water maker allows you to whip up fresh soda at home anytime, and they sell a variety of flavors—or you can make your own.
Dairy
The price for dairy products, including milk, cheese, and yogurt, increased 5.7%from May 2019 to May 2020, Yet despite the increases, the pandemic was a roller coaster for dairy farmers, as many production facilities were unable to adjust their operations to keep up with the changing needs caused by the pandemic.
Poultry
A weekly must-have for many families, chicken and other poultry saw price increases this year up 5.1% over their level in 2019. “Slaughterhouses have recouped much of the lost slaughter capacity that occurred as a result of the pandemic, and prices are expected to continue to decrease through 2020,” yet at a slower rate than they did in the spring.
Cereals and Packaged Baked Goods
Did you find yourself buying more cereal and packaged baked goods during the pandemic? If so, you paid more than you did just a few months earlier. the price for cereals and bakery items rose 2.9% in April 2020, the category’s largest monthly increase ever recorded by the Bureau of Labor Statistics.
Fruits and Vegetables
If you thought you were paying a bit more for fruits and vegetables during the pandemic, you’re right. The consumer price index for fruits and vegetables for March through June 2020 was up 2.5%.
Tip: Because frozen produce retains nearly all its nutrients and keeps well longer than fresh when stored properly, frozen fruits and vegetables are a good choice for those staying home during the pandemic.

03/11/2020

If you watch television with an antenna, a federally-mandated change is coming that will require you to follow some simple steps to re-scan the airwaves.

12/06/2019

brilliant idea!!!