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  <title>The Real Estate Natural, Lesley Lambert's Blog</title>
  <link href="http://activerain.com/blogs/lesleyjl/atom" rel="self"/>
  <link href="http://activerain.com/blogs/lesleyjl" rel="alternate"/>
  <id>http://activerain.com/blogs/lesleyjl</id>
  <updated>2008-07-03T09:47:31Z</updated>
  <author>
    <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
  </author>
  <entry>
    <title>American Lifstyle Magazine....Just Joined Up, Anyone Tried This?</title>
    <link href="http://activerain.com/blogsview/577163/American-Lifstyle-Magazine-Just" rel="alternate"/>
    <id>http://activerain.com/blogsview/577163/American-Lifstyle-Magazine-Just</id>
    <updated>2008-07-03T09:47:31Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p style="text-align: center;"&gt;&lt;a href="https://remindermedia.net/agent/coveroption.php?action=set_cover&amp;amp;users_what_layout=1"&gt;&lt;img src="https://remindermedia.net/images/cover_oldcover.jpg" border="1" height="237" alt="" width="195" /&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;My business partner, Jeremie and I just joined this marketing company to send free subscriptions of this magazine to our clients and business partners.&amp;nbsp; While not free to us, it seems like a nice way of keeping your information in front of people in a low key and accessible way.&lt;/p&gt;
&lt;p style="text-align: center;"&gt;I like the look of the magazine and think it is the type of publication that people would keep on their coffee table, etc.&amp;nbsp; I also like the idea that once you have created your list of contacts, you "own" them and a competitor cannot send to the same company/person/location.&lt;/p&gt;
&lt;p style="text-align: center;"&gt;If you have tried this before, give me your opinions on the outcome.&amp;nbsp; If you are looking for more information visit &lt;a href="http://www.remindermedia.com"&gt;www.remindermedia.com&lt;/a&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;If you are a client or customer who would like to be added to my subscription list, please send me an email:&amp;nbsp; lesleylambert@parksquarerealty.com&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Twitter, Plurk, Utterz, Ping.fm  Holy Networking Batman!</title>
    <link href="http://activerain.com/blogsview/572563/Twitter-Plurk-Utterz-Ping" rel="alternate"/>
    <id>http://activerain.com/blogsview/572563/Twitter-Plurk-Utterz-Ping</id>
    <updated>2008-06-30T10:55:52Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;So, I find Active Rain and I make a slow start here.&amp;nbsp; Then Active Rain sends me running all over the internet researching, learning, creating.&amp;nbsp; I think I am getting along just fine, then I learn about Twitter.&amp;nbsp; Once again, I make a slow start there and don't really know what I am doing, but keep doing it anyways.&amp;nbsp; Now I am let to all of these other options, and I am here to confess MY TOTAL CONFUSION!&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Ok, so is there anywhere that I can post that will go all of these places?&amp;nbsp; Is that what Ping.fm does?&amp;nbsp; I requested a beta code from them so I could check it out.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;I am loving "meeting" all these new people and getting a glimpse of their private and professional lives.&amp;nbsp; It is a bit voyeristic, but that may be what keeps it exciting.&lt;/p&gt;
&lt;p&gt;Any advice from any of you more experienced networkers?&lt;/p&gt;
&lt;p&gt;I am @LesleyRealtor on any and all of the above...add me and then sort me out!&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Grandmothers' Garden Annual Garden Tour, Westfield, MA</title>
    <link href="http://activerain.com/blogsview/568799/Grandmothers-Garden-Annual-Garden" rel="alternate"/>
    <id>http://activerain.com/blogsview/568799/Grandmothers-Garden-Annual-Garden</id>
    <updated>2008-06-27T10:34:28Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;img src="http://www.grandmothersgarden.org/Images/GGlogo.jpg" height="125" alt="" width="500" /&gt;&lt;img src="http://www.grandmothersgarden.org/Images/FOGGlogo-Green.jpg" height="93" alt="" width="90" /&gt;&lt;/p&gt;
&lt;p&gt;Westfield, MA is the home of this downtown gem of a historic garden.&amp;nbsp; Restored through the fundraising, hard work and dedication of concerned citizens (like myself), the garden is a joy.&amp;nbsp; For more information on the history of the garden click here: http://www.grandmothersgarden.org/history.htm&lt;/p&gt;
&lt;p&gt;As a continuing fundraising effort the Friends of Grandmothers' Garden hosts an annual garden tour which is always a huge hit.&amp;nbsp;Be certain to save some time to enjoy all of these lovely gardens!&lt;/p&gt;
&lt;p style="text-align: center;"&gt;&lt;img src="http://www.grandmothersgarden.org/Images/Summer-house-feathered.jpg" height="138" alt="Gazebo" width="208" /&gt;&lt;/p&gt;
&lt;p&gt;The Tenth Annual Grandmothers' Garden Tour will be held Saturday, June 28 and Sunday, June 29, 2008. This year's tour, "Garden Treasures",A 10th Anniversary Celebration, will feature local private gardens, and, of course, our own Grandmothers' Garden. In addition to the tour, on Friday June 27, one very special destination-The Watkins Garden will be the location of the third annual "Garden Party!" Music by "Curran &amp;amp; Company" will delight concert-goers who will be able stroll through the exquisite gardens and enjoy refreshments.&lt;/p&gt;
&lt;p&gt;Proceeds from the tour and concert will benefit the upcoming improvements and continued maintenance of Grandmothers' Garden and Chauncey Allen Park-true regional assets. Friday's concert begins at 6 PM and the weekend tour hours are 9 AM to 4 PM. All events will be held rain or shine. Tickets for the concert are $40.00. Tickets for the tour are $20.00 per person, $15.00 for seniors. Tickets for the concert and the tour are $55.00. Tickets will be available in May 2008.For more information or tickets please call Bernadette Toomey at &amp;nbsp;(413)562-9404&amp;nbsp; or Joyce Bannish at &amp;nbsp;(413)&amp;nbsp;569-3232&amp;nbsp; or FOGG08@comcast.com.&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Cell Signs Marketing Listings to the Smart Phone User</title>
    <link href="http://activerain.com/blogsview/568746/Cell-Signs-Marketing-Listings" rel="alternate"/>
    <id>http://activerain.com/blogsview/568746/Cell-Signs-Marketing-Listings</id>
    <updated>2008-06-27T10:05:09Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;a href="https://cellsigns.com/mc/index.php"&gt;&lt;img src="https://cellsigns.com/mc/images/CS-GM-Logo_small.jpg" border="0" alt="" /&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;I found this company through Active Rain and did some research then decided to try them out.&amp;nbsp; You add a sign rider with texting information and when a potential buyer texts they can request a showing, request a phone call, view interior photos and even have a feature sheet emailed to them.&lt;/p&gt;
&lt;p&gt;Once a buyer has used the system, you get a message with their information.&amp;nbsp; There is also a nice report for each property on their website.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;I don't have any hard statistics on this, yet, because it is so new for me, but I think it could be an amazing tool.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;In today's world of texting and smartphones this is a terrific way to bring the information to the buyers in the format that they prefer.&lt;/p&gt;
&lt;p&gt;My sellers are impressed because they have never heard of this before (no one else in my market is doing this yet) and so they feel like I am going the extra mile for them (I am!).&amp;nbsp;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Fellow Blackberry Addicts and ITunes Lovers Unite!</title>
    <link href="http://activerain.com/blogsview/561963/Fellow-Blackberry-Addicts-and" rel="alternate"/>
    <id>http://activerain.com/blogsview/561963/Fellow-Blackberry-Addicts-and</id>
    <updated>2008-06-22T20:15:21Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p style="text-align: center;"&gt;&lt;a href="http://mobile.handmark.com/mobile/detail.php?id=2493"&gt;&lt;img src="http://www.nutsie.com/images/WS_frontpage_promo_blackberry.jpg?1213825182" border="0" height="213" alt="Get nuTsie on your Blackberry" width="282" /&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;You will be Nutso for nuTsie!&lt;/p&gt;
&lt;p style="text-align: center;"&gt;I just found out about this new product, downloaded it and am listening to music on my Blackberry Curve as I type.&amp;nbsp; This will turn your ITunes playlists into files accessible (and share-able!) over the internet, as well as provide you with playlists to sample.&amp;nbsp; While sampling you can choose "hate it" or "grab it" for the music and the "grabs" get added to your account.&amp;nbsp;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;This is a limited trial offer, but so totally cool if you are a music/smartphone freak like I am!&lt;/p&gt;
&lt;p style="text-align: center;"&gt;Visit &lt;a href="http://www.nutsie.com"&gt;www.nutsie.com&lt;/a&gt; and give it a try!&amp;nbsp; Let me know if you like it...maybe we can share playlists!&lt;/p&gt;
&lt;p style="text-align: center;"&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>55 and up Condo Communtity:  Beautiful New Construction</title>
    <link href="http://activerain.com/blogsview/561491/55-and-up-Condo" rel="alternate"/>
    <id>http://activerain.com/blogsview/561491/55-and-up-Condo</id>
    <updated>2008-06-22T11:58:39Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p style="text-align: center;"&gt;&lt;img src="http://h3k.mlspin.com/photo/photo.aspx?h=258&amp;amp;w=330&amp;amp;mls=70699773&amp;amp;o=&amp;amp;n=0" border="1" height="258" alt="" width="330" /&gt;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;Woodmar Glen, Westfield, MA&lt;/p&gt;
&lt;p style="text-align: center;"&gt;This exclusive 55yr and up community features only ten condominium units with one sold already.&amp;nbsp; Construction is in the finish stages with new owners moving in next month.&lt;/p&gt;
&lt;p style="text-align: center;"&gt;Starting at $229,900&lt;/p&gt;
&lt;p style="text-align: center;"&gt;Beautifully appointed with nice finishes and plenty of options for customization.&amp;nbsp;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;Call Lesley Lambert of Park Square Realty for a private showing:&lt;/p&gt;
&lt;p style="text-align: center;"&gt;413-575-3611&lt;/p&gt;
&lt;p style="text-align: center;"&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>One, Two-Squidoo!</title>
    <link href="http://activerain.com/blogsview/518847/One-Two-Squidoo" rel="alternate"/>
    <id>http://activerain.com/blogsview/518847/One-Two-Squidoo</id>
    <updated>2008-05-21T10:39:02Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;a href="http://www.squidoo.com/browse/homepage"&gt;&lt;img src="http://static.squidoo.com/images/logo_h_sm.gif" height="59" alt="Squidoo" width="184" /&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;I Squidoo, do you?&lt;/p&gt;
&lt;p&gt;Just joined and created my first lens at:&amp;nbsp;&lt;a href="http://www.squidoo.com/lesleyrealtor"&gt;http://www.squidoo.com/lesleyrealtor&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;I am so new to all these linking and SEO opportunities, but this one was super easy to implement and I hope will drive activity to my links and increase the Google Juice.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Anyone having luck with this?&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Subprime Lender Recommendations?</title>
    <link href="http://activerain.com/blogsview/517548/Subprime-Lender-Recommendations" rel="alternate"/>
    <id>http://activerain.com/blogsview/517548/Subprime-Lender-Recommendations</id>
    <updated>2008-05-20T12:50:32Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;I know that the subprime, stated income products have dried up, but I find myself in a situation where I need to find a lender for my own less than attractive loan.&amp;nbsp; Has anyone had any recent experience with a lender who offers these products in MA or on a national scale?&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Thanks in advance for your recommendations!&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>39 Day Avenue, Westfield, MA  ***Just Listed!***</title>
    <link href="http://activerain.com/blogsview/508424/39-Day-Avenue-Westfield" rel="alternate"/>
    <id>http://activerain.com/blogsview/508424/39-Day-Avenue-Westfield</id>
    <updated>2008-05-13T13:10:42Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p style="text-align: center;"&gt;MLS #: &lt;strong&gt;70759838&amp;nbsp;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;&lt;strong&gt;&lt;span style="text-decoration: underline;"&gt;$264,500!&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;&lt;img src="http://h3t.mlspin.com/photo/photo.aspx?mls=70759838&amp;amp;n=0&amp;amp;o=&amp;amp;w=128&amp;amp;h=100&amp;amp;dt=5/13/20082:08:02PM" vspace="9" border="1" height="100" hspace="9" alt="" width="128" /&gt;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;Energy efficient, beautifully renovated &amp;amp; restored Victorian on a tree lined street from yesteryear. Gorgeous woodwork throughout, pellet stove, replacement windows, newer heating/plumbing/electric. Modern kitchen &amp;amp; baths retain an authentic decor &amp;amp; finished walk-up attic is a terrific flex space. Beautiful outside &amp;amp; on the inside - this is a treasure found for the antique home buff &amp;amp; low maintenance buyer combined!&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Disabilty Insurance Anyone?</title>
    <link href="http://activerain.com/blogsview/493408/Disabilty-Insurance-Anyone" rel="alternate"/>
    <id>http://activerain.com/blogsview/493408/Disabilty-Insurance-Anyone</id>
    <updated>2008-05-02T10:21:08Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p align="center"&gt;&lt;a href="http://images.google.com/imgres?imgurl=http://www.easihr.com/_borders/brknleg.gif&amp;amp;imgrefurl=http://www.easihr.com/BENserv.htm&amp;amp;h=364&amp;amp;w=369&amp;amp;sz=7&amp;amp;hl=en&amp;amp;start=4&amp;amp;sig2=narSe6H3qU_ZZh_O65Sw4A&amp;amp;tbnid=b4KjjhU3AEHYeM:&amp;amp;tbnh=120&amp;amp;tbnw=122&amp;amp;ei=ojAbSMm8M42meuLWlNwL&amp;amp;prev=/images%3Fq%3Ddisability%2Binsurance%26gbv%3D2%26hl%3Den"&gt;&lt;img src="http://tbn0.google.com/images?q=tbn:b4KjjhU3AEHYeM:http://www.easihr.com/_borders/brknleg.gif" height="120" alt="" width="122" /&gt;&lt;/a&gt;&lt;/p&gt;&lt;p align="center"&gt;As I embark on re-planning my life, I am thinking that I really need to get my hands on some disability insurance.&amp;nbsp; I thought to myself, who better to ask than the wonderfully intelligent crowd on AR?&lt;/p&gt;&lt;p align="center"&gt;Do any of you carry this and if so...how did you choose your plan?&lt;/p&gt;&lt;p align="center"&gt;Like all of you, I&amp;nbsp;don&amp;#39;t get paid if I don&amp;#39;t work and I want to be sure that I can keep things rolling for my daughters and I if something happens.&amp;nbsp; I live in Western Massachusetts, so I know a lot of your providers won&amp;#39;t work for me, but even the knitty gritty of how much you carry, etc. would be helpful.&lt;/p&gt;&lt;p align="center"&gt;&amp;nbsp;Any and all advice/input would be great!&amp;nbsp; Thanks!&lt;/p&gt;&lt;p align="center"&gt;&amp;nbsp;&lt;/p&gt;&lt;p align="center"&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>It Was the Worst of Years, It Was the Best of Years</title>
    <link href="http://activerain.com/blogsview/482929/It-Was-the-Worst" rel="alternate"/>
    <id>http://activerain.com/blogsview/482929/It-Was-the-Worst</id>
    <updated>2008-04-24T12:54:17Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;h1 align="right"&gt;&lt;a href="http://www.bkkbooks.com/image/Charles-Dickens-books-rare.jpg" target="_top"&gt;&lt;img src="http://tbn0.google.com/images?q=tbn:Eg0k_wI-r7madM:http://www.bkkbooks.com/image/Charles-Dickens-books-rare.jpg" height="193" alt="" width="188" /&gt;&lt;/a&gt;The Best of Years, The&amp;nbsp;&amp;nbsp; Worst of Years&lt;/h1&gt;&lt;p&gt;Wow, has it been one heck of a ride since a year ago April. &lt;/p&gt;&lt;p&gt;Last spring I was less than six months back into my real estate career after a 3 year maternity leave. I had been managing a company for over a decade and would now be &amp;quot;back in the trenches&amp;quot; as an agent. Things were going well, business was building and commissions were slated to come in. &lt;/p&gt;&lt;p&gt;Just then, my husband announced he wanted a divorce and left immediately. To make matters worse, when I went to pay mortgages, I discovered that both my primary home and rental property were in pre-foreclosure. Thus began the struggle. All commissions went to saving the properties. All available hours went towards earning commissions. The houses went on the market and I started packing.&lt;/p&gt;&lt;p&gt;&amp;nbsp;Here I am a year later: both houses SOLD. My best year in real estate was last year (in a down market, too!) and I have been consistently increasing my market share. Just had a one on one meeting with my broker and manager and I shared this years growth plans and prospecting plans and I am feeling poised for a great year. &lt;/p&gt;&lt;p&gt;As I stand at the end of this section of my life, the view looks pretty optimistic and I am excited to spend the balance of the year working hard for my clients and customers with a new appreciation of the hardships that can arise in the course of normal life. Done with the Worst of the Year and on with the BEST!&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>What's Gonna Work?  TEAMWORK!</title>
    <link href="http://activerain.com/blogsview/479896/What-s-Gonna-Work" rel="alternate"/>
    <id>http://activerain.com/blogsview/479896/What-s-Gonna-Work</id>
    <updated>2008-04-22T13:42:23Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;a href="http://images.google.com/imgres?imgurl=http://www.joeprah.com/images/stories/wonder%2520pets.jpg&amp;amp;imgrefurl=http://joeprah.com/content/view/73/1/&amp;amp;h=415&amp;amp;w=577&amp;amp;sz=28&amp;amp;hl=en&amp;amp;start=6&amp;amp;sig2=bmrJfnDPv2J3htx35p5sYg&amp;amp;um=1&amp;amp;tbnid=bcrSeR0erOUPSM:&amp;amp;tbnh=96&amp;amp;tbnw=134&amp;amp;ei=Ti8OSJi6HJXkefCX_JML&amp;amp;prev=/images%3Fq%3Dwonder%2Bpets%26um%3D1%26hl%3Den%26sa%3DN"&gt;&lt;img src="http://tbn0.google.com/images?q=tbn:bcrSeR0erOUPSM:http://www.joeprah.com/images/stories/wonder%2520pets.jpg" height="96" alt="" width="134" /&gt;&lt;/a&gt;&lt;/p&gt;&lt;p&gt;Any of you with young children (mine are 7 and 3) know that line from the Wonderpets program.&amp;nbsp; It is a wonderful message for young and old alike and one that I like to bring into my business plan.&amp;nbsp; &lt;/p&gt;&lt;p&gt;I worked for over a decade as a manager of a family owned real estate company in Westfield, Massachusetts.&amp;nbsp; As such, I got really good at training and delegating.&amp;nbsp;&amp;nbsp; Now, working as an agent at Park Square Realty in Westfield, I still find that managerial personality comes to the front.&amp;nbsp; Because of this penchant, I have found teaming up with other agents on certain projects to be a wonderful way to get things done.&lt;/p&gt;&lt;p&gt;I have a business partner who I started out as a mentor and we segued into partnership.&amp;nbsp; We paired up with another team of realtors to create a support group.&amp;nbsp; Together we implement larger mailings and prospecting plans that would be cumbersome (not to mention boring) to do alone.&amp;nbsp; In this way we are able to cover a larger area of Western Massachusetts and reach out to more potential clients.&lt;/p&gt;&lt;p&gt;This week we will be meeting over pizza and beer to roll out a huge mailing for one of our ideas and we have plans to gather up again every couple of weeks until we have the prospecting done.&lt;/p&gt;&lt;p&gt;We all still do independent sales, as well, but have found strength in this family atmosphere that we have created within Park Square Realty.&amp;nbsp; It helps us to enjoy work and get more done...we have all moved up the sales ranks since working together.&lt;/p&gt;&lt;p&gt;Now go out there and start singing: &amp;quot;What&amp;#39;s Gonna Work?&amp;nbsp; TEAMWORK!&amp;quot;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>***17 Laurel Avenue, Westfield, MA  MLS#70698393***</title>
    <link href="http://activerain.com/blogsview/479838/-17-Laurel-Avenue" rel="alternate"/>
    <id>http://activerain.com/blogsview/479838/-17-Laurel-Avenue</id>
    <updated>2008-04-22T13:27:10Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;Terrific listing, view the report at:&amp;nbsp; &lt;a href="http://www.usamls.com/showProperty/property/115463"&gt;http://www.usamls.com/showProperty/property/115463&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;p&gt;A wonderfully immaculate&amp;nbsp; ranch style home setting on the south side of Westfield awaits the right new family!&amp;nbsp; Set on beautifully landscaped grounds with a screened in sunporch for warm weather enjoyment.&amp;nbsp; Newer roof, vinyl siding, replacement windows...easy on the maintenance.&amp;nbsp;&amp;nbsp; Be in in time to enjoy the painstakingly cared for gardens.&amp;nbsp; &lt;/p&gt;&lt;p&gt;Call &lt;strong&gt;&lt;em&gt;&lt;u&gt;Lesley Lambert&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt; at Park Square Realty anytime at 413-575-3611 for an appointment or more information!&lt;/p&gt;&lt;p&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>A Tale of Two Pods or: Closing my Own Home</title>
    <link href="http://activerain.com/blogsview/479774/A-Tale-of-Two" rel="alternate"/>
    <id>http://activerain.com/blogsview/479774/A-Tale-of-Two</id>
    <updated>2008-04-22T12:56:50Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;a href="http://www.pods.com/"&gt;&lt;img src="http://www.pods.com/images/PODS/pods_logo.gif" border="0" height="61" alt="PODS" width="203" /&gt;&lt;/a&gt;&lt;/p&gt;&lt;p&gt;So, I finally got my own home in Westfield, MA sold, the cooperating agent is totally terrific, the buyers love the house and can&amp;#39;t wait to get in...now the only thing left is for me to get OUT!&lt;/p&gt;&lt;p&gt;PODS to the rescue!&amp;nbsp; After researching the moving options in Western Massachusetts I order up the largest storage unit PODS offers and start loading it up.&amp;nbsp; How excellent to not have to hustle everything out the door at once.&amp;nbsp; Things are looking good until I find out that I cannot move to my&amp;nbsp;new residence across Westfield&amp;nbsp;until two weeks after the closing on my home....ahhh the joys of moving!&amp;nbsp; &lt;/p&gt;&lt;p&gt;So, now what?&amp;nbsp; Well...my children and I can go stay with my mother and thank goodness I have a pod and not a truck because I can&amp;nbsp;get the pod moved to my mother&amp;#39;s driveway.&amp;nbsp; Off my POD goes and whoever invented this system is totally brilliant, watch them move one if you havent.&lt;/p&gt;&lt;p&gt;I told the cooperating broker that we would be out at 11am the day of the closing...somehow she told the buyers 10am.&amp;nbsp; So, the buyers show up with:&amp;nbsp; four cars, a box truck, a trailer truck AND a POD.&amp;nbsp; All of this while we still have two cars and two trucks and the last minute things to get out and clean.&amp;nbsp; Now this is getting fun!&lt;/p&gt;&lt;p&gt;The road that the house is on is narrow and twisty and is now littered with vehicles large and small with two family&amp;#39;s worldly possessions in them.&amp;nbsp; If it wasn&amp;#39;t so stressful it would have been really funny.&lt;/p&gt;&lt;p&gt;Well, of course, it was sorted out in the end and thankfully everyone was pleasant through the process.&amp;nbsp; The POD is now sitting in my mom&amp;#39;s driveway awaiting yet another move to my new residence.&amp;nbsp; If nothing else, it makes for a great referral for the PODS company!&lt;/p&gt;&lt;p&gt;After sharing this story with co-workers of mine at Park Square Realty, Westfield, MA, many of us will be happy to send referrals to PODS, they sure helped me out!&amp;nbsp;&lt;/p&gt;&lt;p&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Spring Cleanup, Western Massachusetts Start Your Engines!</title>
    <link href="http://activerain.com/blogsview/464222/Spring-Cleanup-Western-Massachusetts" rel="alternate"/>
    <id>http://activerain.com/blogsview/464222/Spring-Cleanup-Western-Massachusetts</id>
    <updated>2008-04-11T10:15:22Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;a href="http://www.dallasnews.com/sharedcontent/dws/img/v3/10-20-2006.nhg_20bulb.GOU20FU06.1.jpg" target="_top"&gt;&lt;img src="http://tbn0.google.com/images?q=tbn:W92K3rEGS98q2M:http://www.dallasnews.com/sharedcontent/dws/img/v3/10-20-2006.nhg_20bulb.GOU20FU06.1.jpg" height="139" alt="" width="205" /&gt;&lt;/a&gt;&amp;nbsp; &lt;strong&gt;&lt;u&gt;WESTERN MASSACHUSETTS...&lt;/u&gt;&lt;/strong&gt;&lt;/p&gt;&lt;p&gt;get ready to see those spring flowers!&amp;nbsp; The snow is gone, the trees are budding, the bulbs are emerging and it is time to get your gardens ready for the show.&lt;/p&gt;&lt;p&gt;We had a late leaf fall last year, so if you are anything like me, your gardens still have a lot of leaf covering.&amp;nbsp; Time to get those up and let the perennials and bulbs feel the sun shining.&amp;nbsp; My gardens in Westfield will need a good couple of hours of raking to get all those leaves out!&lt;/p&gt;&lt;blockquote&gt;&lt;p align="left"&gt;&amp;nbsp;&lt;a href="http://images.google.com/imgres?imgurl=http://bexar-tx.tamu.edu/HomeHort/F1Column/2006%2520Articles/Graphics/pansiesUofOreg.jpg&amp;amp;imgrefurl=http://bexar-tx.tamu.edu/HomeHort/F1Column/2006%2520Articles/David%27sPlantoftheWeek/OCT28Pansies.htm&amp;amp;h=335&amp;amp;w=428&amp;amp;sz=108&amp;amp;hl=en&amp;amp;start=1&amp;amp;sig2=q9H72syunCm5JyBmD5Axtw&amp;amp;tbnid=kJd9nuXLaPBhMM:&amp;amp;tbnh=99&amp;amp;tbnw=126&amp;amp;ei=LX7_R429EZq0esaXzSI&amp;amp;prev=/images%3Fq%3Dpansies%26gbv%3D2%26hl%3Den"&gt;&lt;img src="http://tbn0.google.com/images?q=tbn:kJd9nuXLaPBhMM:http://bexar-tx.tamu.edu/HomeHort/F1Column/2006%2520Articles/Graphics/pansiesUofOreg.jpg" height="99" alt="" width="126" /&gt;&lt;/a&gt;It is also a perfect time to plant some pansies...these friendly flowers put a smile on everyone&amp;#39;s&amp;nbsp;face.&amp;nbsp; If you are selling your home, it has been shown that bright yellow flowers can help bring more curb appeal and get the house sold faster.&lt;/p&gt;&lt;p align="left"&gt;&lt;a href="http://www.humeseeds.com/prunerose.jpg" target="_top"&gt;&lt;img src="http://tbn0.google.com/images?q=tbn:6qzw-bUaKB6GUM:http://www.humeseeds.com/prunerose.jpg" height="98" alt="" width="91" /&gt;&lt;/a&gt;&lt;/p&gt;&lt;p align="left"&gt;Do you have rose bushes?&amp;nbsp; Depending on the variant, NOW is the time to prune them.&amp;nbsp; You are going to have the best show ever if you get in there early and prune aggressively.&amp;nbsp; As you shape the shrub, remove dead or sick looking wood and open up the airflow.&amp;nbsp; Take the healthy stalks down to only a few inches off the ground and cut at outward facing buds.&lt;img src="http://www.urbanext.uiuc.edu/roses/images/figure15.gif" height="202" alt="" width="300" /&gt;&lt;/p&gt;&lt;p align="left"&gt;&lt;a href="http://images.google.com/imgres?imgurl=http://www.hort.wisc.edu/mastergardener/Features/flowers/peony/peony-red.jpg&amp;amp;imgrefurl=http://www.hort.wisc.edu/mastergardener/Features/flowers/peony/peonies-ns.htm&amp;amp;h=274&amp;amp;w=300&amp;amp;sz=43&amp;amp;hl=en&amp;amp;start=10&amp;amp;sig2=DzDkir_8jzyTn9mR2fdSmA&amp;amp;um=1&amp;amp;tbnid=B6IQ2ivivXKA6M:&amp;amp;tbnh=106&amp;amp;tbnw=116&amp;amp;ei=nX__R4vlOoyGeqS0xSI&amp;amp;prev=/images%3Fq%3Dpeonies%26gbv%3D2%26um%3D1%26hl%3Den"&gt;&lt;img src="http://tbn0.google.com/images?q=tbn:B6IQ2ivivXKA6M:http://www.hort.wisc.edu/mastergardener/Features/flowers/peony/peony-red.jpg" height="106" alt="" width="116" /&gt;&lt;/a&gt;The peony is my all-time favorite flower.&amp;nbsp; Put up staking guides now before they get too large and the supports will keep your beautiful blooms out of the mud.&lt;/p&gt;&lt;p align="left"&gt;Dress up the whole thing with a fresh top dressing of compost and mulch.&amp;nbsp; I have always used composted chicken manure to great result. &lt;/p&gt;&lt;p align="left"&gt;HAPPY GARDENING!&lt;/p&gt;&lt;/blockquote&gt;    </content>
  </entry>
  <entry>
    <title>My Real Estate Assistants...Westfield's Finest</title>
    <link href="http://activerain.com/blogsview/459523/My-Real-Estate-Assistants" rel="alternate"/>
    <id>http://activerain.com/blogsview/459523/My-Real-Estate-Assistants</id>
    <updated>2008-04-08T10:07:35Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;img src="http://activerain.com/image_store/uploads/6/6/2/1/4/ar120766662441266.jpg" height="240" alt="Lesley Lambert and Assistants" width="320" /&gt;&lt;/p&gt;&lt;p align="center"&gt;&lt;strong&gt;&lt;u&gt;THE BEST REAL ESTATE ASSISTANTS IN THE BUSINESS!&lt;/u&gt;&lt;/strong&gt;&lt;/p&gt;&lt;p&gt;That&amp;#39;s right, they are my children...but don&amp;#39;t let those cherubic and youthful looks fool you, these are some sharp girls in the workplace.&amp;nbsp; At the ripe ages of seven and three they:&amp;nbsp;put out mailings, accompany showings,&amp;nbsp;monitor&amp;nbsp;home inspections, attend listing appointments, join my buyers at walk throughs,&amp;nbsp;make photocopies, fax documents....you name it!&lt;/p&gt;&lt;p&gt;Being a single mom&amp;nbsp;in business is a tricky thing, but I am thankful for being in&amp;nbsp;real estate so I can have the flexibility and control over my time and the way I do business.&amp;nbsp; I used to worry&amp;nbsp;aobut the impression it would make if I had to bring one of my girls on an appointment.&amp;nbsp; I have discovered that on&amp;nbsp;a large scale the impression that it leaves with people is that&amp;nbsp;I am able to balance my two very important priorities: family and work, even when a less than ideal situation crops up.&amp;nbsp; &lt;/p&gt;&lt;p&gt;My girls both know that when mom gives the &amp;quot;signal&amp;quot; it means she is taking a business call and they need to be quiet.&amp;nbsp; They both know how to shake hands and be polite when with clients.&amp;nbsp; They have learned proper behavior when visiting a strange house and how to amuse themselves when things go longer than anticipated.&amp;nbsp; &lt;/p&gt;&lt;p&gt;I am glad that they are seeing first hand how I earn an income and how much work I put into my job.&amp;nbsp; They already have a respect for money that I don&amp;#39;t think most children their age possess.&amp;nbsp; I was raised with a powerful work ethic and terrific example from my mom (also a realtor/broker) and I want to pass that tradition on to them. &lt;/p&gt;&lt;p&gt;I am considering&amp;nbsp;getting them both some business suits and name tags and having a photo done of us together for business use....what do you think?&amp;nbsp; &amp;nbsp;&lt;/p&gt;&lt;p&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Gorgeous Condo in North Myrtle Beach, Kingston Plantation</title>
    <link href="http://activerain.com/blogsview/458187/Gorgeous-Condo-in-North" rel="alternate"/>
    <id>http://activerain.com/blogsview/458187/Gorgeous-Condo-in-North</id>
    <updated>2008-04-07T11:32:04Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;div&gt;&lt;img src="http://www.kingstonvacation.com/images/pic1.jpg" height="95" alt="View of Kingston Plantation From Ocean" width="267" /&gt;&lt;/div&gt;&lt;p align="center"&gt;&lt;strong&gt;&lt;u&gt;Kingston Plantation, North Myrtle Beach&lt;/u&gt;&lt;/strong&gt;&lt;/p&gt;&lt;p align="center"&gt;Purchased 2 years ago for $362,500...asking ONLY &lt;strong&gt;$299,900&lt;/strong&gt;&lt;/p&gt;&lt;p align="center"&gt;Other units in this development are going for $15,000-$20,000 more! This is a terrific chance for you or your clients to own a little piece of paradise at a price that won&amp;#39;t be seen again.&amp;nbsp; Know someone who wants a vacation get-away, or who is retiring to the warmer climate...tell them about this deal! &lt;/p&gt;&lt;p align="center"&gt;Don&amp;#39;t miss out on this opportunity...email &lt;a href="mailto:lesleylambert@parksquarerealty.com"&gt;lesleylambert@parksquarerealty.com&lt;/a&gt; today!&lt;/p&gt;&lt;p align="center"&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>17 Laurel Avenue, Westfield, MA 01085</title>
    <link href="http://activerain.com/blogsview/452659/17-Laurel-Avenue-Westfield" rel="alternate"/>
    <id>http://activerain.com/blogsview/452659/17-Laurel-Avenue-Westfield</id>
    <updated>2008-04-03T12:24:34Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;img src="http://activerain.com/image_store/uploads/5/4/2/3/7/ar120723894873245.jpg" height="184" alt=" " width="244" /&gt;&lt;/p&gt;&lt;p align="center"&gt;&lt;strong&gt;&lt;u&gt;17 LAUREL AVENUE, WESTFIELD, MA 01085&lt;/u&gt;&lt;/strong&gt;&lt;/p&gt;&lt;p align="center"&gt;Absolute move in condition for this immaculate ranch with an open floor plan.&amp;nbsp; Cathedral ceilings in living room, dining room off kitchen as well as eat-in area.&amp;nbsp; Beautiful enclosed porch overlooks nature in both wild and cultivated forms.&amp;nbsp; Meticulous perrenial borders embrace a quiet woodland setting.&amp;nbsp; Finished basement features a bedroom and family room.&amp;nbsp; You won&amp;#39;t find a cleaner, more well maintained home than this one!&lt;/p&gt;&lt;p align="center"&gt;Book a showing with me for a private tour.&amp;nbsp; &lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Selling In A Buyer's Market</title>
    <link href="http://activerain.com/blogsview/441481/Selling-In-A-Buyer" rel="alternate"/>
    <id>http://activerain.com/blogsview/441481/Selling-In-A-Buyer</id>
    <updated>2008-03-27T05:27:31Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;a href="http://www.moneypit.com/members2/AardvarkPublisher/9990192113899/image1.jpg" target="_top"&gt;&lt;/a&gt;&lt;/p&gt;&lt;p align="center"&gt;&lt;a href="http://images.google.com/imgres?imgurl=http://www.swainsells.com/indexbuttons/sold%2520sign.jpg&amp;amp;imgrefurl=http://getyourartfix.blogspot.com/&amp;amp;h=675&amp;amp;w=900&amp;amp;sz=512&amp;amp;hl=en&amp;amp;start=12&amp;amp;sig2=3-nh-p5pNfN2AacMbkd98g&amp;amp;tbnid=WEGZLz1bGvDnxM:&amp;amp;tbnh=109&amp;amp;tbnw=146&amp;amp;ei=pXXrR9ChCIyGeunesIgB&amp;amp;prev=/images%3Fq%3Dsold%26gbv%3D2%26hl%3Den"&gt;&lt;div&gt;&lt;img src="http://tbn0.google.com/images?q=tbn:WEGZLz1bGvDnxM:http://www.swainsells.com/indexbuttons/sold%2520sign.jpg" height="143" alt="" width="163" /&gt;&lt;/div&gt;&lt;/a&gt;&lt;/p&gt;Yes, it is a &lt;strong&gt;buyer&amp;#39;s market&lt;/strong&gt;, but that doesn&amp;#39;t mean that you can&amp;#39;t successfully sell your home for fair market value.&amp;nbsp; &lt;p align="center"&gt;&lt;strong&gt;&lt;u&gt;Top Ten Tips For Selling Your Home In A Buyer&amp;#39;s Market&lt;/u&gt;&lt;/strong&gt;&lt;/p&gt;&lt;ol&gt;&lt;li&gt;&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Aggressive Pricing&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt;.&amp;nbsp; This is a discussion that we as REALTORS dread in this market, because we know our job is to present the facts and in this type of climate, many seller&amp;#39;s don&amp;#39;t like the facts.&amp;nbsp; It is important to remember a few things:&amp;nbsp; your home sale will most probably be subject to an appraisal which is based on the same comparable sales as your real estate agent looks at; your real estate agent is being paid on commission...you can be certain that we are trying to find as much value in your home as possible.&lt;/div&gt;&lt;/li&gt;&lt;li&gt;&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Be The Beauty Queen&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt;.&amp;nbsp; Yes, selling your home is like a pageant.&amp;nbsp; Your home may have the best of everything, but if it isn&amp;#39;t dressed for sale you may never get the buyer&amp;#39;s in the door.&amp;nbsp; Take your real estate agent&amp;#39;s input on preparing for sale to heart, we are in the trenches daily and know what today&amp;#39;s fussy buyers want to see.&amp;nbsp; Fix every small item: dripping faucets, stuck windows, loose doorknobs, etc.&amp;nbsp; Remove excess &amp;quot;personal&amp;quot; items and trinkets.&amp;nbsp; PAINT in a neutral color.&amp;nbsp; Stage the home for sale: if you don&amp;#39;t have the talent for decorating you can hire professional home stagers for reasonable prices. Make it appealing from the curb:&amp;nbsp; plant flowers, keep the lawn tidy, put away toys and other yard &amp;quot;debris&amp;quot;, paint the front door, sweep the driveway and garage.&lt;/div&gt;&lt;/li&gt;&lt;li&gt;&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Creative Financing&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt;.&amp;nbsp; Be prepared to offer some creative financing incentives.&amp;nbsp; Today&amp;#39;s buyers are being pinched by the mortgage situation, but they are still busy buying property.&amp;nbsp; They may ask for help with closing costs or for owner financing.&amp;nbsp; Plan ahead and decide what you may be able to do for a buyer in advance.&lt;/div&gt;&lt;/li&gt;&lt;li&gt;&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Be Patient.&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt; The days of a quick sale are over for most people.&amp;nbsp; Here in Westfield, MA the average time on market is close to 100 days.&amp;nbsp; Give your real estate agent the time it takes to find the right buyer for your home.&amp;nbsp; &lt;/div&gt;&lt;/li&gt;&lt;li&gt;&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Flexible Showings&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt;. We all have hectic schedules and keeping your home in &amp;quot;ready to show&amp;quot; condition is a royal pain, however, it does pay in the end.&amp;nbsp; Remember that your buyers are just as busy as you are and they have limited time to see homes...be ready when they are.&lt;/div&gt;&lt;/li&gt;&lt;li&gt;&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Stand Out From The Crowd&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt;.&amp;nbsp; At any given time there are several homes almost like yours in the same price range.&amp;nbsp; Make your home stand out from the crowd!&amp;nbsp; Instead of asking $199,900 why not advertise $198,765?&amp;nbsp; Sure it is gimmicky, but it makes people curious.&amp;nbsp; &lt;/div&gt;&lt;/li&gt;&lt;li&gt;&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Home Warranty.&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt;&amp;nbsp; Most companies have the ability to offer you access to purchasing a home warranty for the buyers of your home.&amp;nbsp; Pricing and coverage varies, but typically speaking it gives the buyer confidence that for the set time of the warranty, they won&amp;#39;t have any unexpected expenses.&amp;nbsp; Buyers are usually taking all of their savings to buy your home...why not spend some money to give them peace of mind?&lt;/div&gt;&lt;/li&gt;&lt;li&gt;&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Check the Competition. &lt;/u&gt;&lt;/em&gt;&lt;/strong&gt;How many other homes like yours are on the market?&amp;nbsp; How long have they been there?&amp;nbsp; What features do they have?&amp;nbsp; Look at all the factors and then price your home competitively.&amp;nbsp; &lt;/div&gt;&lt;/li&gt;&lt;li&gt;&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Make Adjustments&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt;.&amp;nbsp; Even with all the research available, home pricing is a fluctuating property.&amp;nbsp; Comparable sales are usually months old and the market is adjusting daily at this point.&amp;nbsp; Be prepared to adjust your asking price.&amp;nbsp; Discuss a pre-set schedule of price reductions with your real estate agent.&amp;nbsp;&lt;/div&gt;&lt;/li&gt;&lt;li&gt;&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Hire The Right Agent&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt;.&amp;nbsp; Check the listings sold statistics in your area.&amp;nbsp; Here in Westfield, MA, &lt;a href="http://www.parksquarerealty.com"&gt;Park Square Realty&lt;/a&gt; is the leader in listings sold.&amp;nbsp; You want the company with proven results and an agent with energy, experience and a professional approach.&lt;/div&gt;&lt;/li&gt;&lt;/ol&gt;&lt;p align="center"&gt;GOOD LUCK!&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>The Home Buyer's Guide To Credit</title>
    <link href="http://activerain.com/blogsview/431829/The-Home-Buyer-s" rel="alternate"/>
    <id>http://activerain.com/blogsview/431829/The-Home-Buyer-s</id>
    <updated>2008-03-20T12:49:35Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;h1&gt;&lt;a href="http://www.atg.wa.gov/uploadedImages/Home/Safeguarding_Consumers/All_Consuming_Blawg_Content/ficobreakdown.png" target="_top"&gt;&lt;/a&gt;&amp;nbsp;&amp;nbsp;&lt;img src="http://www.atg.wa.gov/uploadedImages/Home/Safeguarding_Consumers/All_Consuming_Blawg_Content/ficobreakdown.png" height="140" alt="" width="314" /&gt;&lt;/h1&gt;&lt;h1&gt;The Home Buyer&amp;#39;s Guide to Credit&lt;/h1&gt;&lt;p&gt;&lt;em&gt;A tutorial on credit reports and credit scores, created specifically for home buyers. Brought to you by the Credit Center at HomeBuyingInstitute.com.&lt;/em&gt;&lt;/p&gt;&lt;div&gt;&lt;p&gt;Table of Contents&lt;/p&gt;&lt;table border="0"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td&gt;&lt;p&gt;1 - &lt;a href="#whatis"&gt;What is Credit?&lt;/a&gt;&lt;br /&gt;2 - &lt;a href="#homebuying"&gt;Credit and Home Buying&lt;/a&gt;&lt;br /&gt;3 - &lt;a href="#report"&gt;Your Credit Report&lt;/a&gt;&lt;br /&gt;4 - &lt;a href="#score"&gt;Your Credit Scores&lt;/a&gt;&lt;/p&gt;&lt;/td&gt;&lt;td&gt;&lt;p&gt;5 - &lt;a href="#goodcredit"&gt;What is a Good Score?&lt;/a&gt;&lt;br /&gt;6 - &lt;a href="#improving"&gt;Improving a Credit Score&lt;/a&gt;&lt;br /&gt;7 - &lt;a href="#badcredit"&gt;Bad Credit Home Buying&lt;/a&gt;&lt;br /&gt;8 - &lt;a href="#resources"&gt;Recommended Resources&lt;/a&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/div&gt;&lt;p&gt;In this guide, we will eventually discuss the strong connection between credit and home buying. We will also talk about what constitutes a good credit score, and how you can maintain one. But let&amp;#39;s start with the basics by defining what credit is in the first place.&lt;/p&gt;&lt;a name="whatis" title="whatis"&gt;&lt;/a&gt;&lt;h2&gt;What is Credit?&lt;/h2&gt;&lt;p&gt;&lt;em&gt;&lt;a href="#"&gt;Back to top&lt;/a&gt;&lt;/em&gt;&lt;/p&gt;&lt;p&gt;In home buying and mortgage terms, &amp;quot;credit&amp;quot; usually refers to your credit score (which, in turn, is derived from your credit history). Your credit score is a numerical &amp;quot;grade&amp;quot; between 300 and 850. The higher the score, the better. This credit score is based on your credit report, which is basically your credit history on paper.&lt;/p&gt;&lt;p&gt;&lt;strong&gt;To state it more simply:&lt;/strong&gt;&lt;/p&gt;&lt;p&gt;You credit history &lt;em&gt;[leads to]&lt;/em&gt; Your credit report &lt;em&gt;[leads to]&lt;/em&gt; Your credit score&lt;/p&gt;&lt;p&gt;Credit makes the financial world go around. If our economy were not based on credit, we would have to pay for everything up front. Fortunately, this is not the case, and we are able to buy things on credit. We can take out loans for major purchases and pay the amount back over time.&lt;/p&gt;&lt;p&gt;When we as consumers apply for a loan (such as a home buyer applying for a mortgage loan), we get approved or disapproved for that loan based on our &amp;quot;creditworthiness&amp;quot; &amp;mdash; a financial term that refers to a person&amp;#39;s trustworthiness with money as based on their credit history. Thus the connection between home buying and credit history, which we will talk about next.&lt;/p&gt;&lt;a name="homebuying" title="homebuying"&gt;&lt;/a&gt;&lt;h2&gt;Credit &amp;amp; Home Buying&lt;/h2&gt;&lt;p&gt;&lt;em&gt;&lt;a href="#"&gt;Back to top&lt;/a&gt;&lt;/em&gt;&lt;/p&gt;&lt;p&gt;For most people, buying a home means taking out a mortgage loan to pay for the home. Unless, of course, you&amp;#39;ve just won the lottery, inherited a fortune from Uncle Ernie, or invested in Apple Computers stock back in the 1980&amp;#39;s.&lt;/p&gt;&lt;p&gt;To obtain a mortgage loan, you must have a credit history behind you &amp;mdash; and ideally a good one. Mortgage lenders need to review your credit history in order to approve you for a loan. If your credit is good, you&amp;#39;ll have an easier time getting a loan. If your credit is bad, you will have a harder time obtaining a mortgage loan. The two things are directly relational.&lt;/p&gt;&lt;p&gt;Early on in the home buying process, you should review your credit situation. That way, if you need to improve your credit score, you can start right away.&lt;/p&gt;&lt;a name="report" title="report"&gt;&lt;/a&gt;&lt;h2&gt;Your Credit Report&lt;/h2&gt;&lt;p&gt;&lt;em&gt;&lt;a href="#"&gt;Back to top&lt;/a&gt;&lt;/em&gt;&lt;/p&gt;&lt;p&gt;Credit reports are maintained by three credit-reporting agencies: TransUnion, Experian and Equifax. These companies maintain any and all information pertaining to your personal credit &amp;mdash; payment habits (including late payments), level of debt, any bankruptcy or other financial issues, etc.&lt;/p&gt;&lt;p&gt;As a home buyer, one of the first things you should do is request copies of your credit reports (all three of them) to review the reports for errors. It&amp;#39;s not uncommon for erroneous information to appear on one&amp;#39;s credit report. So get copies of yours and check them for accuracy.&lt;/p&gt;&lt;p&gt;Make sure your name and other personal data are correct. More importantly, check for any credit activity that is not yours, such as a loan or a line of credit you did not take out. This could be a simple computer error, or it could be a sign of credit fraud.&lt;/p&gt;&lt;p&gt;&lt;strong&gt;Your Free Credit Reports&lt;/strong&gt;&lt;/p&gt;&lt;p&gt;You are entitled to one free credit report (from each company) per year. So if you&amp;#39;ve never requested your credit report before, you have a &amp;quot;freebie&amp;quot; awaiting you. There are many ways to request your reports online &amp;mdash; so many, in fact, that it can be overwhelming and confusing. So let&amp;#39;s clear things up...&lt;/p&gt;&lt;p&gt;No matter where you go online to request your credit reports, the information always comes from the same place (the three credit-reporting companies). Many websites offer free credit reports, but they actually refer you to the source. So as a consumer, the best way for you to get your free reports is to go straight to the source &amp;mdash; Experian, Equifax and TransUnion.&lt;/p&gt;&lt;p&gt;Here are the websites and contact information for the three credit-reporting companies. Keep in mind that you can order your free annual credit report from &lt;u&gt;&lt;em&gt;all three companies at once&lt;/em&gt;&lt;/u&gt; by visiting &lt;a href="https://www.annualcreditreport.com"&gt;AnnualCreditReport.com&lt;/a&gt;.&lt;/p&gt;&lt;a name="agencies" title="agencies"&gt;&lt;/a&gt;&lt;div&gt;&lt;table border="0"&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td&gt;&lt;p&gt;&lt;strong&gt;Equifax&lt;/strong&gt;&lt;br /&gt;P.O. Box 740241&lt;br /&gt;Atlanta, GA 30374&lt;br /&gt;800-685-1111&lt;br /&gt;&lt;a href="http://www.equifax.com"&gt;www.equifax.com&lt;/a&gt;&lt;/p&gt;&lt;/td&gt;&lt;td&gt;&lt;p&gt;&lt;strong&gt;Experian&lt;/strong&gt;&lt;br /&gt;P.O. Box 949&lt;br /&gt;Allen, TX 75013&lt;br /&gt;888-397-3742&lt;br /&gt;&lt;a href="http://www.experian.com"&gt;www.experian.com&lt;/a&gt;&lt;/p&gt;&lt;/td&gt;&lt;td&gt;&lt;p&gt;&lt;strong&gt;TransUnion&lt;/strong&gt;&lt;br /&gt;P.O. Box 390&lt;br /&gt;Springfield, PA 19064&lt;br /&gt;877-322-8228&lt;br /&gt;&lt;a href="http://www.transunion.com"&gt;www.transunion.com&lt;/a&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/div&gt;&lt;p&gt;So now that you know how to request your credit report, let&amp;#39;s talk about the information you will find inside it.&lt;/p&gt;&lt;p&gt;&lt;strong&gt;What&amp;#39;s In Your Credit Report?&lt;/strong&gt;&lt;/p&gt;&lt;p&gt;When you get your three reports from the three credit-reporting agencies listed above, the first thing you will notice is that they are all formatted differently. But while the formatting of the information may differ, the information itself will be the same across all three reports.&lt;/p&gt;&lt;p&gt;The information in your credit reports will likely be grouped into the following categories:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;em&gt;&lt;strong&gt;Identifying / Personal Data&lt;/strong&gt;&lt;/em&gt; - The information is this section will include your name, your social security number, and other pieces of identifying data. This information is used for identification only and does not contribute to your credit score one way or the other.&lt;/li&gt;&lt;li&gt;&lt;em&gt;&lt;strong&gt;Trade Line Info&lt;/strong&gt;&lt;/em&gt; - This section will typically include any credit accounts you currently have, such as credit cards and car loans. It will also include details about each account, such as the date you opened it and your history of payments &lt;em&gt;(important detail, to be covered later)&lt;/em&gt;.&lt;/li&gt;&lt;li&gt;&lt;em&gt;&lt;strong&gt;Past Credit Inquiries&lt;/strong&gt;&lt;/em&gt; - This includes the number of times somebody has requested a copy of your credit report within the last two years, such as when you buy a new car or apply for a loan of some kind.&lt;/li&gt;&lt;li&gt;&lt;em&gt;&lt;strong&gt;Collection Information&lt;/strong&gt;&lt;/em&gt; - If you&amp;#39;ve had a case of overdue debt or missed payments in the past, and the case was turned over to a collection agency, that information will likely show up in this section of your credit report.&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;A couple of notes about the information listed above:&lt;/p&gt;&lt;p&gt;Payment history (mentioned within &amp;quot;trade line info&amp;quot;) is arguably the most important part of your credit report, because it carries the most weight when your report is converted into a credit score. In other words, paying all your bills on time can help you maintain a good credit score.&lt;/p&gt;&lt;p&gt;You should also review the items listed above with an eye out for errors. For example, maybe your social security number is listed incorrectly, or maybe there&amp;#39;s a collection notice that never really took place.&lt;/p&gt;&lt;p&gt;&lt;strong&gt;Correction Information in Your Credit Reports&lt;/strong&gt;&lt;/p&gt;&lt;p&gt;So what do you do if you find a mistake in your credit report? In these cases, you should fill out a correction request at the website of the agency that produced the erroneous document. For example, if you found a mistake in the credit report from Experian, you would visit the &amp;quot;Disputes&amp;quot; section of their website to submit a correction request.&lt;/p&gt;&lt;div&gt;&lt;p&gt;Here are the dispute sections for all three companies:&lt;/p&gt;&lt;p&gt;&lt;a href="http://www.experian.com/disputes/index.html"&gt;Experian disputes&lt;/a&gt; | &lt;a href="http://www.equifax.com/online-credit-dispute/"&gt;Equifax disputes&lt;/a&gt; | &lt;a href="http://www.transunion.com/corporate/personal/creditDisputes.page"&gt;TransUnion disputes&lt;/a&gt;&lt;/p&gt;&lt;/div&gt;&lt;p&gt;&lt;strong&gt;How the Reports Become Scores&lt;/strong&gt;&lt;/p&gt;&lt;p&gt;Now that you have a better understanding of credit reports, let&amp;#39;s talk about how those reports become credit scores...&lt;/p&gt;&amp;lt;!-- Credit Score Section --&amp;gt; &lt;a name="score" title="score"&gt;&lt;/a&gt;&lt;h2&gt;Your Credit Scores&lt;/h2&gt;&lt;p&gt;&lt;em&gt;&lt;a href="#"&gt;Back to top&lt;/a&gt;&lt;/em&gt;&lt;/p&gt;&lt;p&gt;Your credit score is based on information found within your credit reports, which (as we have discussed) are maintained by the three &lt;a href="#agencies"&gt;credit-reporting agencies&lt;/a&gt;. Three agencies, three reports, three credit scores ... all about you!&lt;/p&gt;&lt;p&gt;Your history of payments on things like credit cards and car loans is a major part of your credit score, accounting for somewhere around 35% of the total number. It only makes sense why this history would be important to mortgage lenders, but it shows how you&amp;#39;ve done over the years in terms of paying back loans.&lt;/p&gt;&lt;p&gt;Your total amount of debt is another big component of your credit score. For example, if you have a lot of debt (perhaps more than you can afford to pay off), then your credit score will reflect this. And it won&amp;#39;t help your cause any when applying for a mortgage loan.&lt;/p&gt;&lt;p&gt;Your credit score is also referred to as your &lt;a href="http://www.myfico.com"&gt;FICO score&lt;/a&gt;, and mortgage lenders will review this score to determine your &amp;quot;credit worthiness&amp;quot; &amp;mdash; meaning how safe or risky it would be to loan you money.&lt;/p&gt;&lt;p&gt;FICO is a computerized credit-scoring model named after the &lt;a href="http://www.fairisaac.com"&gt;Fair Isaac Corporation&lt;/a&gt;, the company that developed it decades ago.&lt;/p&gt;&lt;p&gt;The big three credit-reporting bureaus &amp;mdash; Experian, Equifax and TransUnion &amp;mdash; use the FICO scoring model to convert your credit history into a credit score. Mortgage lenders in turn use that score to decide whether or not you qualify for a mortgage loan, and to determine what interest rate you&amp;#39;ll pay.&lt;/p&gt;&lt;p&gt;Of course, there are other factors that influence these decisions, but FICO plays a leading role. In other words, your FICO score helps mortgage lenders determine your credit worthiness, how likely you are to pay off your debt, and what risk category you fall into.&lt;/p&gt;&lt;p&gt;The higher your FICO score the better, as evidenced by the scoring brackets below:&lt;/p&gt;&lt;h2&gt;What is a Good Credit Score, and How Do I Get One?&lt;/h2&gt;&lt;p&gt;When your credit score is good you will have a much easier time qualifying for a mortgage loan. But when your score is bad, the opposite is true &amp;mdash; you will have a harder time qualifying for a loan, and you will likely pay a higher interest rate when you do get qualified.&lt;/p&gt;&lt;p&gt;But what is a good credit score and, more importantly, how can you achieve one?&lt;/p&gt;&lt;p&gt;Credit scores range from 300 to 850, and a higher score is definitely better. The higher your credit score, the easier time you will have getting qualified for a mortgage loan. You will also generally pay a lower interest rate on your mortgage when your credit score is high, and this equates to genuine (and often significant) savings over the life of your loan!&lt;/p&gt;&lt;p&gt;So what is a good credit score in the United States, and how can you put yourself into that range (or even higher)? Let&amp;#39;s take a look.&lt;/p&gt;&amp;lt;!-- Good Credit Section --&amp;gt; &lt;a name="goodcredit" title="goodcredit"&gt;&lt;/a&gt;&lt;h2&gt;A Good Credit Score by Industry Standards&lt;/h2&gt;&lt;p&gt;Ask a dozen credit experts what makes a good credit score, and you&amp;#39;re likely to get a dozen different responses / ranges. So for this tutorial, we have taken ten articles on this subject from ten reputable websites and averaged them out. Based on this &amp;quot;scientific&amp;quot; analysis, here&amp;#39;s what the experts have to say on the subject of good credit scores...&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;strong&gt;&lt;em&gt;750 or above&lt;/em&gt;&lt;/strong&gt; &amp;mdash; If your credit score falls into the range, you should consider yourself lucky (or perhaps just financially responsible). This range is considered to be an excellent score by most mortgage lenders. As a result, you will likely have a much easier time qualifying for a mortgage and getting a good interest rate on the loan.&lt;/li&gt;&lt;li&gt;&lt;strong&gt;&lt;em&gt;700 to 750&lt;/em&gt;&lt;/strong&gt; &amp;mdash; Credit scores within this range are somewhere between very good and excellent. With many mortgage lenders, there seems to be an &amp;quot;invisible line&amp;quot; at the 700 mark, with regard to what is considered excellent credit. So 700 and up is a great &amp;quot;neighborhood&amp;quot; to be in. &lt;/li&gt;&lt;li&gt;&lt;strong&gt;&lt;em&gt;650 to 700&lt;/em&gt;&lt;/strong&gt; &amp;mdash; In general, a credit score that falls within this range is considered to be good or even very good, depending on the mortgage lender.&lt;/li&gt;&lt;li&gt;&lt;strong&gt;&lt;em&gt;600 to 650&lt;/em&gt;&lt;/strong&gt; &amp;mdash; Now we are closing in on the most common definition of &amp;quot;good credit&amp;quot; among most mortgage lenders. A score in this range is not &amp;quot;very good&amp;quot; or &amp;quot;excellent,&amp;quot; but then again it&amp;#39;s not sub-standard or bad either. So most lenders will view a person in this range as a reasonably qualified borrower. You won&amp;#39;t necessarily get the best rates with a score in this range, but it&amp;#39;s still considered a good credit score so approval should be likely.&lt;/li&gt;&lt;li&gt;&lt;strong&gt;&lt;em&gt;Below 600&lt;/em&gt;&lt;/strong&gt; &amp;mdash; If your credit score falls below the 600 range, a higher percentage of lenders will consider you to be a credit risk. You could still find a willing lender at this point, but you&amp;#39;ll pay higher interest rates than a person with a good or excellent credit score. And this obviously translates to a larger mortgage payment each month.&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;What&amp;#39;s important to note here is that people at the bottom of the scale (with scores in 400&amp;#39;s or 500&amp;#39;s) will have more trouble getting a mortgage loan these days than back in the 1990&amp;#39;s. As a result of the mortgage crisis we discussed earlier, lenders have had to tighten their standards and are therefore less likely to make loans to borrowers with bad credit (subprime borrowers).&lt;/p&gt;&lt;p&gt;Of course, if you have a bad credit score, you shouldn&amp;#39;t despair. There are plenty of things you can do to improve your credit, and that&amp;#39;s exactly what we will talk about next.&lt;/p&gt;&amp;lt;!-- Improving Credit Score Section --&amp;gt; &lt;a name="improving" title="improving"&gt;&lt;/a&gt;&lt;h2&gt;Improving Your Credit Score&lt;/h2&gt;&lt;p&gt;&lt;em&gt;&lt;a href="#"&gt;Back to top&lt;/a&gt;&lt;/em&gt;&lt;/p&gt;&lt;p&gt;In a certain sense, you have direct control over your credit score. Sure, it&amp;#39;s computer by somebody else, but it&amp;#39;s computer based on &lt;em&gt;your actions&lt;/em&gt;. So by taking smarter financial actions, you can in turn improve your credit score.&lt;/p&gt;&lt;p&gt;Here are some things you can do to achieve a better credit score:&lt;/p&gt;&lt;ol&gt;&lt;li&gt;Pay your bills on time. This is one of the best things you can do to improve your credit, because it&amp;#39;s given the most weight in the FICO scoring model. Paying your bills on time (credit cards, auto loans, etc.) will raise your credit score faster than any other single action. Of course, the opposite is true as well.&lt;/li&gt;&lt;li&gt;Keep credit card balances low. Do your best to reduce your debt, starting with any credit cards you have. This is the second most important factor that contributes to your FICO credit score. So now you have two marching orders &amp;mdash; pay bills on time, and pay down your debt as much as possible.&lt;/li&gt;&lt;li&gt;Keep your debt-to-income ratio at 20% or lower. In other words, your overall debt should not total more than 20% of your net monthly income. If it does, focus on paying down the debt as quickly as possible.&lt;/li&gt;&lt;li&gt;Limit the number of loans / lines of credit that you apply for. Applying for credit too often can send the message that you cannot properly manager your finances. Use credit and sparingly ... only when you need it.&lt;/li&gt;&lt;/ol&gt;&lt;p&gt;Most of the items on this list could be summarized as being financially responsible and managing debt wisely. Put these things in practice today, and your credit score will soon reflect your efforts!&lt;/p&gt;&amp;lt;!-- Bad Credit Section --&amp;gt; &lt;a name="badcredit" title="badcredit"&gt;&lt;/a&gt;&lt;h2&gt;Buying a Home With Bad Credit&lt;/h2&gt;&lt;p&gt;&lt;em&gt;&lt;a href="#"&gt;Back to top&lt;/a&gt;&lt;/em&gt;&lt;/p&gt;&lt;p&gt;I&amp;#39;m willing to be you&amp;#39;ve heard the term &amp;quot;subprime mortgage&amp;quot; or &amp;quot;subprime lender&amp;quot; recently. This &lt;a href="http://www.homebuyinginstitute.com/homebuyingtips/2007/12/subprime-mortgage-crisis-explained.html"&gt;mortgage crisis&lt;/a&gt; of 2007 - 2008 was one of the hottest news topics of that period, and it was largely fueled by the subprime mortgage industry.&lt;/p&gt;&lt;p&gt;By way of definition, subprime lending is a way to grant home loans to borrowers with bad credit. A &amp;quot;subprime borrower&amp;quot; then is a person with bad credit who does not qualify for the top tier loan rates offered by the mortgage lender. In other words, a subprime borrower is a person who has had trouble paying back loans and credit lines in the past, and therefore represents a higher risk for the lender.&lt;/p&gt;&lt;p&gt;Here&amp;#39;s why I&amp;#39;m telling you all of this:&lt;/p&gt;&lt;p&gt;As a result of the subprime mortgage crisis, tougher regulations have been imposed on the lending industry as a whole. This in turn means that lenders will place greater emphasis on credit scores when making loans, and also that fewer lenders will make loans to subprime borrowers. In fact, some of the largest subprime lenders of the 1990&amp;#39;s are disappearing as I write this guide.&lt;/p&gt;&lt;p&gt;Here&amp;#39;s what this means to you, as a home buyer:&lt;/p&gt;&lt;p&gt;Good credit has always been important when buying a home and applying for a mortgage loan. But these days it&amp;#39;s even &lt;em&gt;more&lt;/em&gt; important to have good credit, because the number of options for &amp;quot;bad credit home buying&amp;quot; are diminishing. That&amp;#39;s the entire purpose of this guide, to help you understand the importance of maintaining a good credit score, and to show you ways to achieve it.&lt;/p&gt;&lt;p&gt;We hope you have found this guide useful, and we wish you all the best with your future home-buying experience.&lt;/p&gt;&amp;lt;!-- Resources Section --&amp;gt; &lt;a name="resources" title="resources"&gt;&lt;/a&gt;&lt;h2&gt;Recommended Resources&lt;/h2&gt;&lt;p&gt;&lt;em&gt;&lt;a href="#"&gt;Back to top&lt;/a&gt;&lt;/em&gt;&lt;/p&gt;&lt;p&gt;In closing, we would like to offer some helpful resources with which you can continue your credit research:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;The three credit-reporting companies:&lt;br /&gt;&lt;a href="http://www.experian.com"&gt;Experian.com&lt;/a&gt; | &lt;a href="http://www.equifax.com"&gt;Equifax.com&lt;/a&gt; | &lt;a href="http://www.transunion.com"&gt;TransUnion.com&lt;/a&gt;&lt;/li&gt;&lt;li&gt;Where to order your credit reports:&lt;br /&gt;&lt;a href="https://www.annualcreditreport.com"&gt;AnnualCreditReport.com&lt;/a&gt;&lt;/li&gt;&lt;li&gt;To learn more about your FICO / credit score:&lt;br /&gt;&lt;a href="http://www.myfico.com"&gt;MyFICO.com&lt;/a&gt;&lt;/li&gt;&lt;li&gt;Consumer Federation of America:&lt;br /&gt;&lt;a href="http://www.consumerfed.org/topics.cfm?section=Finance&amp;amp;topic=Credit%20Reporting"&gt;Credit section of their website&lt;/a&gt;&lt;/li&gt;&lt;li&gt;An FTC Consumer Alert:&lt;br /&gt;&lt;a href="http://www.ftc.gov/bcp/conline/pubs/alerts/fakealrt.shtm"&gt;Fake Credit Report Sites&lt;/a&gt;&lt;/li&gt;&lt;li&gt;The Credit Center at Home Buying Institute:&lt;br /&gt;&lt;a href="http://www.homebuyinginstitute.com/credit.php"&gt;Credit Information for Home Buyers&lt;/a&gt;&lt;/li&gt;&lt;li&gt;Consumer Guide by the FDIC:&lt;br /&gt;&lt;a href="http://www.fdic.gov/consumers/consumer/news/cnfall07/mortgage.html"&gt;The New Climate for Mortgage Borrowers&lt;/a&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;&lt;strong&gt;Source Citation&lt;/strong&gt;: This tutorial was originally created by the publishers of Home Buying Institute (&lt;a href="http://www.homebuyinginstitute.com"&gt;www.HomeBuyingInstitute.com&lt;/a&gt;). Learn more about this subject by visiting the &lt;a href="http://www.homebuyinginstitute.com/credit.php"&gt;Credit Center&lt;/a&gt; section of their website.&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Spring Has Sprung in Western Massachusetts!</title>
    <link href="http://activerain.com/blogsview/429860/Spring-Has-Sprung-in" rel="alternate"/>
    <id>http://activerain.com/blogsview/429860/Spring-Has-Sprung-in</id>
    <updated>2008-03-19T12:28:01Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;img src="http://www.customglittergraphics.com/Images/spring/images/spring1.gif" height="186" alt="" width="329" /&gt;&lt;/p&gt;&lt;p&gt;Those of us in the Northeast look to spring in a reverent, inspiring way.&#160; We trudge through the snow, slush, mud and endure the cold, rain and snow with the promise of better weather on the horizon.&#160; &lt;/p&gt;&lt;p&gt;Western Massachusetts is gearing up for Spring with lots of fun events for everyone...get on your glad rags and head out!&lt;/p&gt;&lt;p&gt;Mayor Boulanger of Westfield, Massachusetts will host the annual Mayor's Easter Egg Hunt at the Westfield Boy's and Girl's Club.&#160; &lt;a href="http://www.cityofwestfield.org/detpages/departments365.html"&gt;Easter Egg Hunt&lt;/a&gt;

&lt;/p&gt;&lt;p&gt;Westfield on Weekends is a terrific organization that specializes in&#160;planning social events in the heart of&#160;Westfield, MA.&#160;&lt;a href="http://www.westfieldonweekends.org/events/index.php?com=detail&amp;eID=12498&amp;month=04&amp;year=2008.html"&gt;WinterGreen Days&lt;/a&gt;
a restaurant and pub tour on April 5, 2008.&#160; 

&lt;/p&gt;&lt;p&gt;The wearing of the green is a month long celebration in Western Massachusetts with Holyoke hosting the place to be on the final weekend of the month.&#160; The party kicks off with the Road Race on Saturday and continues (through the night for some!) to the &lt;a href="http://newsite.holyokestpatricksparade.com"&gt;St. Patrick's Day Parade&lt;/a&gt;

&lt;/p&gt;&lt;p&gt;Smith College in South Hadley, MA hosts a breathtaking spring bulb show that is sure to inspire even the brownest thumb!&#160; The amazing scent is enough to bring on a good case of Spring Fever.&#160; &lt;a href="http://www.smith.edu/garden/Home/events.html"&gt;Flower Show&lt;/a&gt;
 &lt;/p&gt; &lt;p&gt; These are just a few of the many offerings in the Westfield, MA area...don't forget to stop into a Park Square Realty Open House on your way to these fine functions!


    </content>
  </entry>
  <entry>
    <title>How Lucky Can You Be?</title>
    <link href="http://activerain.com/blogsview/426150/How-Lucky-Can-You" rel="alternate"/>
    <id>http://activerain.com/blogsview/426150/How-Lucky-Can-You</id>
    <updated>2008-03-16T22:10:56Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;img src="http://kmcmurtrydesign.com/kmdshop/images/KMD-MIN007.JPG" height="181" alt="" width="209" /&gt;&amp;#39;Tis the time for the wearing of the green and the luck of the Irish is all around!&amp;nbsp; Do you feel lucky?&amp;nbsp; Oh I know, you are saying, but I am not Irish and I know most of us aren&amp;#39;t (I am American after all!).&amp;nbsp; That being said, there is something exciting and fun about the potential for magic that the Irish folklore brings us.&amp;nbsp; Leprechauns, fairies, pots of gold at the end of the rainbow....who doesn&amp;#39;t love that?&lt;/p&gt;&lt;p&gt;So, instead of going all Hallmark this time of year, I try to ask myself the same thing every year...&amp;quot;How Lucky Can You Be?&amp;quot;&lt;/p&gt;&lt;p&gt;In tribute to my lovely Irish ancestors, who perservered through all times and made merry whenever they could...I compile the following list of my blessings&amp;nbsp;and I hope you will, too!&lt;/p&gt;&lt;p&gt;#1-My absolutely gorgeous, amazingly intelligent and oh so funny daughters.&amp;nbsp; &lt;/p&gt;&lt;p&gt;#2- The best of friends who nurture, cherish, rescue, celebrate, humble and love me.&lt;/p&gt;&lt;p&gt;#3- A career that I can control.&lt;/p&gt;&lt;p&gt;#4- A mother and sister who are the rocks, the foundation of my life.&lt;/p&gt;&lt;p&gt;#5- The ability to hear, see, feel, taste....health and wellness.&lt;/p&gt;&lt;p&gt;#6- Fresh beginnings and adventures on the horizon.&lt;/p&gt;&lt;p&gt;#7- A lovely gentleman who loves me and who I love back.&lt;/p&gt;&lt;p&gt;Happy St. Patrick&amp;#39;s Day and may the blessings of this day be with you all year!&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Cool Tool for Presenting to Out of Town Clients</title>
    <link href="http://activerain.com/blogsview/426127/Cool-Tool-for-Presenting" rel="alternate"/>
    <id>http://activerain.com/blogsview/426127/Cool-Tool-for-Presenting</id>
    <updated>2008-03-16T21:54:16Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;I was just turned onto &lt;a href="http://www.webex.com"&gt;www.webex.com&lt;/a&gt;&lt;/p&gt;&lt;p&gt;A free 14 day trial is available for this live web presentation tool.&amp;nbsp; We all have out of town buyers, sellers, etc....wouldn&amp;#39;t this be a cool way to present to them?&lt;/p&gt;&lt;p&gt;Good luck!&amp;nbsp;&lt;/p&gt;&lt;p&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>On The Move...Tips to Help your House Move go Smoothly.</title>
    <link href="http://activerain.com/blogsview/422552/On-The-Move-Tips" rel="alternate"/>
    <id>http://activerain.com/blogsview/422552/On-The-Move-Tips</id>
    <updated>2008-03-14T10:09:10Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p align="left"&gt;&lt;a href="http://www.movingmage.com/static_images/splash.jpg" target="_top"&gt;&lt;img src="http://tbn0.google.com/images?q=tbn:J8egtadJQE9hdM:http://www.movingmage.com/static_images/splash.jpg" height="141" alt="" width="108" /&gt;&lt;/a&gt;&#160;&lt;b&gt;So, you are&lt;strong&gt; moving&lt;/strong&gt;!&lt;/b&gt;&#160; Such an exciting time, and also one of life's most stressful.&lt;/p&gt;&lt;p align="center"&gt;To alleviate some of the stress that moving creates, take a peek at these tips:&lt;/p&gt;&lt;p align="center"&gt;#1-&#160; Plan ahead!&#160;&#160; Make lists of things that are can be donated, given away, etc.&#160;&lt;/p&gt;&lt;p align="center"&gt;#2- Start chucking!&#160; Yes, you heard me,&#160; throw it out!&#160; When you start to consider how useful things really are, and remember that you will have to touch it at least three times (pack, move, un-pack) it can really put into perspective the items you actually need to keep.&#160; I go from room to room with a large trash bag and do what I like to call "The Big Fling".&lt;/p&gt;&lt;p align="center"&gt;#3- Pack early and often.&#160; Break it up into smaller chores, one box a day is way more managable than a whole house in a weekend.&#160; Don't need it everyday?&#160; Pack it up!&#160; Out of season?&#160; Pack it up!&#160; You get the idea.&lt;/p&gt;&lt;p align="center"&gt;#4- Color code the boxes.&#160; Get stickers or markers and make a code for the move.&#160; IE:&#160; blue boxes are bathroom, green is kitchen, etc.&#160; This will make it much easier the day of the move, especially if you are doing it with friends and family.&lt;/p&gt;&lt;p align="center"&gt;#5- Start calling to transfer utilities, cable, phone, etc.&#160; You don't want to wait until the last minute because you are bound to forget and you don't want to pay for the new owner's heat!&lt;/p&gt;&lt;p align="center"&gt;#6- Breathe.&#160; Enjoy.&#160; Breathe again.&#160; &lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Business Opportunity!  MLS#70702999 **546 Main Street, Hamden, MA** RESTAURANT &amp; BAR FOR SALE</title>
    <link href="http://activerain.com/blogsview/419093/Business-Opportunity-MLS-7" rel="alternate"/>
    <id>http://activerain.com/blogsview/419093/Business-Opportunity-MLS-7</id>
    <updated>2008-03-12T09:41:03Z</updated>
    <author>
      <name>Lesley Lambert Real Estate, Realtor, Westfield, MA (Park Square Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;img src="http://activerain.com/image_store/uploads/3/6/4/8/7/ar120533268578463.jpg" height="231" alt="The Scantic Pub" width="400" /&gt;&lt;/p&gt;&lt;p align="center"&gt;A beautifully appointed &lt;strong&gt;restaurant and bar for sale&lt;/strong&gt;.&amp;nbsp; Turn key operation on busy street with complete inventory.&amp;nbsp; Potential to purchase real estate, as well.&lt;/p&gt;&lt;p align="center"&gt;&lt;strong&gt;$199,000&lt;/strong&gt;&amp;nbsp;&lt;/p&gt;&lt;p align="center"&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
</feed>
