Rob Dino DeNault - Century 21 North Shore/Storrs & DeNault



Posted by Rob Dino DeNault on 10/3/2017

Student loan debt does more than keep some millennials up at night, trying to figure out how they will stay current in their monthly student loan payments while they also pay for food, clothing, transportation and rent. Student loan debt is keeping some people from owning a home. As with credit cards and as challenging as it can be, the sooner you pay off student loans, the better.

Steps to Less Student Loan Debt

However,simply paying the loans down could qualify you for a mortgage. So too could setting a limit on how much student loan debt youíre willing to take on. To reduce the amount of student loans you have to repay, consider:

  • Living with your parents until you get your degree
  • Applying for educational grants and scholarships(Donít just apply for one grant or one scholarship. Apply for several grants and scholarships annually or each semester.)
  • Sharing an apartment or house with two or more roommates
  • Creating a spending budget and sticking with it
  • Working a full-time or part-time job while attending college

Go with low interest student loans when you do take out loans. Compare private loan interest rates against federal rates. Donít assume that one is automatically lower than another. Whichever route you take, look to student loans as a last option to pay for tuition.

Ask your parents to check with their employers to see if they offer scholarships or grants. If you work, check with your employerís human resources representatives to see if you qualify to receive tuition assistance. Earning high grades could help you to get most of your tuition paid for by your employer, depending on the type of tuition assistance program your employer offers. Also, check with the college or university youíre attending to see if they offer tuition assistance or know of places where you can apply for scholarships and grants.

Limit the amount of loans youíll take out compared to the salary that jobs in your major pay. For example, if youíre studying to be a cosmetologist and jobs for cosmetologists where you live pay $35,000 or less, you may not want to take out a $20,000 loan to get a cosmetology certificate or degree.

Which leads to another point - consider enrolling in a community college or technical school to get certificates or your associateís degree. Two years at a community college could save you hundreds of dollars in tuition. Just make sure that the majority of the credits that you earn at a community college are transferable to a four-year school.

Road from Student Loans to Home Ownership

Should you take out student loans, start paying extra on the loans. Even if you pay $50 extra a month on loans, it can make a difference over the lifetime of the loans. Create a student loan repayment plan. Avoid taking on new debts while youíre repaying your loans. Another option that you could consider is to work with an experienced financial advisor. This option might prove beneficial if you invest a portion of your money and start building long term equity.

Consider a rent to own option. Include a clause in your rent to own agreement that allows you to walk away from the mortgage should you decide not to buy the property at the end of the lease agreement. If you're a school teacher or public servant,check with the government to see if you qualify for loan forgiveness. Serving in AmeriCorps or the military could also offer you repayment options that could put home ownership within reach.

Move to a rural area and you could take advantage of a USDA home loan. Think about what you want to do after you graduate from college. If your work aligns with a rural lifestyle, check into how much you'd pay on a house in a rural neighborhood. Home ownership might also come through the purchase of an older home that you fix up.





Posted by Rob Dino DeNault on 9/26/2017

You've officially added your home to the real estate market; now, you just need to generate interest among family members, friends and others who may consider purchasing your house. Fortunately, there are many great ways to share an online home listing with others, including: 1. Facebook As soon as your home listing becomes available online, feel free to share it via Facebook, a leading social network among men and women of all ages. Sharing a link to your home listing via Facebook enables you to provide information about your residence to friends and family members instantly. Plus, Facebook enables your friends and family members to share your post with others, further increasing your reach. Don't be afraid to include high-resolution photos with your Facebook posts, too. This will improve your chances that your Facebook posts will be noticed, and ultimately, could help you garner attention from prospective homebuyers. Also, each Facebook post should consist of one to two sentences. Ensure that each Facebook post is easy to understand and encourages readers to click on the link to view your home listing, and you may find that a large variety of homebuyers could become interested in your residence. 2. Twitter With only 140 characters at your disposal, sharing information about your house via Twitter may seem nearly impossible. However, those who understand what it takes to put together a great tweet could generate significant interest in their homes by using this social media platform. Typically, a great Twitter post should include a brief description that explains your home is now available. You also may want to highlight one feature of your home (like the style of your house, where it is located or the number of bedrooms it offers) and include a call to action that encourages readers to click on the link to view your home listing. Like a Facebook post, you will want to incorporate a high-resolution image into your tweet as well. Remember, a picture is worth a thousand words, and a first-rate picture of your home's exterior may encourage dozens of interested homebuyers to evaluate your home listing. 3. Email Have friends and family members who shy away from social media? No worries, as you can send them a link to your online home listing any time you choose. If you send an email to a friend or family member, be sure to include a clear, concise subject line. This will allow you to minimize the risk that your message could wind up in a recipient's junk email folder. Furthermore, be sure to include your real estate agent's contact information in your email. Because if a homebuyer knows how to reach your real estate agent, he or she can contact this real estate professional to set up a home showing immediately. An online home listing increases your house's visibility. And if you share your online home listing with others, you may be able to increase interest in your home accelerate the home selling process.





Posted by Rob Dino DeNault on 9/25/2017

Tall ceilings, open concept Townhome, hard wood floors, 2.5 bathrooms, Large Master Bedroom with Full Bath, 3rd room currently being used as a third bedroom, gas fireplace in large open living room, kitchen with breakfast counter, rear deck and a one car garage attached

More Info on this Property | New Listing Alerts





Posted by Rob Dino DeNault on 9/25/2017


361 Litchfield St, Leominster, MA 01453

Condo

$225,000
Price

5
Rooms
2
Beds
2/1
Full/Half Baths
Tall ceilings, open concept Townhome, hard wood floors, 2.5 bathrooms, Large Master Bedroom with Full Bath, 3rd room currently being used as a third bedroom, gas fireplace in large open living room, kitchen with breakfast counter, rear deck and a one car garage attached
Open House
No scheduled Open Houses

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Tags: Leominster   Real Estate   condo   01453  
Categories: New Homes  


Posted by Rob Dino DeNault on 9/19/2017

Itís inevitable that you will have just cleaned your carpet and suddenly, someone will spill something on it! The most important thing to know about stains is that the longer they sit in a material, the harder they are to get out. Thereís different methods that tend to work better for different kinds of stains on carpets. When you know what to do to clean a stain, the next time a spill occurs, youíll know exactly how to clean it up. 



Food Or Drink Stains


when the spill occurs, youíll need to start by getting what you can up from the carpet using a paper towel and something to help scrape up the remains of the item like a paper plate. Then, use a clot to blot over the stain with warm water. If the spill is liquid, youíll need to try and absorb as much of it as possible. Press down firmly with a cloth and/or a paper towel to pick up the remains of the stain. Hopefully this will all that needs to be done, but most likely, youíll need to clean the area more thoroughly.  


For more stubborn food and drink stains in your carpet, make a solution using one part non-bleach laundry detergent and one part warm water. Apply to the stain and let it sit for around 5 minutes. Then, rinse again with warm water. Make sure that you get all of the detergent out of the carpet. Residual detergent could cause more permanent staining to the carpet. 


Pet Problems


The same procedure used for food and drink stains applies to pet stains. You need to scoop up any residue and blot the stain. You can use the same simple detergent solution thatís mentioned above to remove the stain. After the stain is removed, add 2 tablespoons of white vinegar to warm water. This is used to neutralize the odor. 


For any type of liquid stain, along with the solutions used to clean up solid stains, itís really important for all excess moisture to dry completely. If stains arenít dried, mold and mildew could result. Following clean-up, vacuum the area to return it to normal. 


Nail Polish


Nail polish is actually simpler to remove than you would think. First, get rid of the excess nail polish that may be on the carpet with a rag or paper towel. Blot well. You can use nail polish remover right on most carpets. Do this with caution however, as some carpets can lose color when nail polish remover is applied. Test a non-obvious area of the carpet for colorfastness. If you do find that the carpet loses color, youíll need a professional to help you get the nail polish stain out of the carpet.




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