Have you ever got a text or seen a post on facebook that had an abbreviation or acronym and you didn’t know what it meant? 

In this day and age we use abbreviation in our everyday lives, whether we are texting, emailing, or facebooking, etc. We see it all too often!

Why do we abbreviate words? We use abbreviations and acronyms to shorten a word or phrase. Let’s face it, it makes things a lot easier and we are just too lazy to type the whole word out! LOL 

This new way of communication can be tricky if you are not up to date with the lingo. So we provided you with a few helpful websites that define a ton of different abbreviations and acronyms that will have you typing, “OIC!”

Here are two very helpful websites:

Good luck from your friends at TeamPrimary! :-)

Find us on Facebook at www.Facebook.com/TeamPrimary.

Social networking sites such as Facebook.com can be very successful when it comes to getting the word out. Check out the story below to see how Facebook helped saved the many lives of homeless animals.

Article posted in Middletown Patch by Kathleen Ramunni

Animal shelters and rescue organizations harness the power of sites such as Facebook to network homeless pets, resulting in more than ever finding new homes.

As the popularity of social networking continues to explode, more and more people are finding old friends, making new ones and finding love at sites such as Facebook.

But it isn’t only people who are benefitting from the interconnectivity the sites afford — man’s best friend also is enjoying the fruits of social networking.

While for years rescue groups have used websites like Petfinder.com to list pets in need of new homes, Facebook has added another layer of networking that has resulted in thousands of canine and feline lives saved, rescuers say.

“Facebook and Petfinder have proven to be very useful tools in helping us find forever homes for our dogs and cats,” said Lauren Dobkowski, administrator of the Meriden Humane Society’s Facebook page. “They allow us to reach people who may never have walked through our doors if they hadn’t seen an animal that interested them online.

Middletown’s non-profit, volunteer feline rescue group CATALES, the Connecticut Association To Assure Love & End Suffering, uses its Facebook page to allow people to donate funds to help the no-kill shelter.

[Read Full Article...]

If you are interested in adopting a pet, visit Catales, Inc. or The Meriden Humane Society on Facebook!

Need a house to bring your pet home to? Visit Primary Residential Mortgage, IncTeamPrimary today! TeamPrimary uses Facebook for social networking too!

You may have heard an incident was detected where a Texas based marketing company’s (Epsilon) clients’ customer data was exposed by an unauthorized entry into their email system.

Scammers will use hijacked email addresses to create emails based on your interests or emails that appears to be from your bank or other companies you know and trust. Clicking the malicious link within an email can hijack your computer and turn it into a spam bot without your knowledge, or worse, install malware that can record your passwords and credit card info.

Tips for spotting fake e-mails

 ·        If you don’t know the sender, don’t open the email. Booby-trapped attachments are often disguised as thank you notes or e-greetings.

·        Watch out for emails that request personal information. No legitimate organization will ask for personal information like your social security or account number.

·        Be careful with emails that look like they’re from PayPal, Facebook or any of the sites listed above. Often these emails are linked to a third-party site that makes them look like a company you do business with, but are actually run by thieves or scammers. To make sure you’re visiting the real site, don’t click through the email. Instead, type the trusted website’s address directly into your browser.

·        Watch for typos or spelling mistakes. Scammers are street smart but many seem to have flunked basic grammar. If the email has multiple typos or grammatical errors, odds are that it’s not real.

·        Watch for red flag phrases like, “You have won!” or “Please verify your account!” Genuine firms never send emails like that.

For your mortgage needs, contact Primary Residential Mortgage, Inc. -TeamPrimary. We love your referrals!

Okay so half the world (or more now) is on Facebook and we all love it and have lots of friends, etc, but today I found a new way to find friends on facebook and I want to share it with you!

Facebook will give you friend suggestions based on who you are already friends with which I think is great!  It is a great way to get introductions to great new people!  Today I found out you can find friends another way, from your Yahoo account, AOL account, SKYPE account, email services, etc!

To do this, all you have to do is when you are logged onto your facebook, on the top left where it says FACEBOOK, click on the Friend Requests tab.  After you click that, click on Find Friends.  This will bring up a page that has all the choices where you can pull up people that you already know, that you didn’t know were on facebook!

Example:

So, I did the Yahoo one.  I clicked on Yahoo and then it asked me for my Yahoo email and then you just click on Find Friends!  Super easy.  It took a few minutes and then it came up with a big list of people and I added them all as friends!  I even had some people from out of state that I hadn’t talked to in a while and I was so happy to reconnect with them!

I hope you all have as much fun as I did finding long lost friends!  Good luck!

Also, if you or someone you know is looking to purchase or refinance a home, contact Primary Residential Mortgage, Inc.TeamPrimary. We would love your referrals!

Come join Primary Residential Inc.’s, TeamPrimary as we participate in ASCONN‘s 5th Annual Puzzlethon for Autism on Saturday, March 5th, 2011 from 12:00 noon – 4:00pm at Coventry High School in Coventry, CT!

Puzzlethon is an annual fundraiser to help support and raise money for autism by doing puzzles. All proceeds go directly toward helping those with autism. The puzzle was chosen because not only has it been the symbol of  autism support, but many people with autism enjoy doing puzzles, and doing puzzles with others offers people living with autism an opportunity for social interaction.

This is also a great opportunity for organizations to market themselves while helping out the community! For more details visit puzzlethon.org or ASCONN.org

When we think about increasing the value of our home, we think major repairs or updates. However, you can add value to your home without breaking your budget.

Here are some inexpensive ideas to help increase your home value:

1. Outside Appearance

Keep up with routine yard work, mow, weed whack along the sidewalks and house. Trim hedges and remove weeds.

2. Indoor Clutter

Organize and get rid of clutter. A tidy house will seem larger and more appealing to potential buyers.

3. Refinish Kitchen Cabinets

Since cabinets make up most of the kitchen, outdated and worn cabinets can ruin the whole kitchen’s appearance. Refinishing cabinets are relatively cheap and easy to do. Learn how to refinish cabinets at ehow.com

4. Wash Walls, Windows & Siding

It’s less expensive to just wash walls or siding than to repaint or replace siding. Pressure-wash siding and wipe down interior walls. Clean your windows of any dirt and water stains.

5. Fixing Interior Walls

Patch up any holes, even the smallest ones. Then apply a coat of primer for a smoother finish. After the primer dries, lightly sand it down, wipe the walls with a damp cloth and apply fresh paint. This will help restore the walls and make them like new.

6. Replace Window Coverings

Over time blinds and curtains become wore out and faded. Replacing the old with the new will make a better impression.

7. Flooring

Shampoo or steam clean your carpets. Sand down and refinish hardwood flooring. Learn how to refinish hardwood floors at ehow.com

8. Install New Switches & Outlets

Replace old switches with new ones. Just be sure to turn the power off in the room or entire house before doing anything. Not only will the new outlets look nice, but it will give off the impression that the electrical wiring in the house is newer than it really is.

9. Brighten Up Your Home

Try replacing your regular light bulbs with fluorescent light bulbs to make the rooms brighter. Using fluorescent light bulbs save energy and money.

10. Trim & Molding

Simple trim around ceilings, doors and windows are easy and one of the most typical upgrades found in new homes.

If you or anyone you know is looking to purchase or refinance a home, Primary Residential Mortgage Inc. can help! Visit us on Facebook at www.Facebook.com/TeamPrimary!

With all this snow piling up on roof tops, including recent rain, sleet and freezing temperatures, many home and business owners could be challenged with possible water damage or even a roof collapse. As I was researching how to clear snow off a roof, I came across an article on ehow.com with helpful information on ways you can accomplish this.

The Post:

How to Shovel Snow Off a Roof

By an eHow Contributor

If you live in an area known for snow-filled winters, chances are you’ve had to clear snow off your roof. Here are some guidelines to help you shovel snow off the roof safely and quickly while protecting your roof’s surface.

Instructions

  1. Purchase one of the tools designed to shovel snow off a roof. They include a snow rake, roof razor rake or a snow cutter.
  2. Create a path around your house by repeatedly retracing your steps until you’ve created a flat surface. Make sure that your path will support your body weight by filling any holes with enough snow to make a solid, flat path.
  3. Use a snow rake to shovel the easy snow off the roof first. Avoid removing more snow than you will be able to shovel when it’s on the ground.
  4. Keep a protective coating of snow on your roof to prevent damaging the roof’s surface.
  5. Shovel snow off your roof over time by removing several small sections each day.
  6. Consider using a snow cutter if you need to shovel deep crusts, icy or heavy snow. Used the same way as a snow rake, a snow cutter removes snow in sections. Because you don’t have to climb onto your roof to shovel off snow, a snow cutter is easier and safer to operate.
  7. Try using a roof razor’s double cutting surface to shovel snow off your roof. One section remains on the roof’s edge until you remove all the easy-to-reach snow. Push the head of the razor rake up and into the snow to force it to the ground. Use roof razors if you are shoveling snow off a steep pitched roof.

Read more: How to Shovel Snow Off a Roof | eHow.com

For your mortgage needs, contact Primary Residenatial Mortgage, Inc. or visit us on Facebook at www.Facebook.com/TeamPrimary!

There are many reasons for refinancing your mortgage. I’d like to share with you four of the most common reasons to refinance.

1. Lower Payments

To reduce your monthly payment you can refinance to secure a lower interest rate or extend the term of the loan. If you choose to extend the term of the loan you may be faced with paying more in interest during the life of the loan.

2. Pay Down Mortgage Quickly

You may choose the option to shorten the length of your mortgage by reducing the term of the loan. Although your monthly payments will go up, you will save more in interest payments.

3. Changing Loan Program

Converting an Adjustable Rate Mortgage (ARM) into a Fixed Rate Mortgage (FRM). With Adjustable Rate Mortgage you are always uncertain and never know what to pay month to month with interest rates always fluctuating. Switching to a Fixed Rate Mortgage means your monthly payments will remain the same.

4. Debt Consolidation

If you have enough equity in your home, you can refinance and borrow more than the current loan balance. With the additional money, you can pay off high interest debts such as credit card balances or installment loans. Keep in mind the total cost of debt by adding it into a 30 year mortgage payment.

If you or someone you know is looking to refinance, contact Primary Residential Mortgage, Inc. or visit us on Facebook at www.Facebook.com/TeamPrimary!

I came across an article that Investopedia recently posted on msnbc.com about what mortgage trends to expect for the year 2011. I thought it would be some really good information to share. 

The Post:

7 mortgage trends to expect in 2011

While expected to continue their climb, interest rates are still near historic lows

Financial experts suggest that borrowers should apply for a new mortgage loan, or refinance their home loan when the time is right for their individual needs, rather than attempt to time the market. While risk takers may be enthusiastic about waiting until the last minute to lock in a low mortgage interest rate, most homeowners and homebuyers prefer to observe general mortgage market trends and focus more intently on their own finances.

Predicting a specific mortgage rate for a particular time is pretty nearly impossible, but real estate market observers have identified a few trends that they anticipate will impact the mortgage market in 2011:

1. Mortgage rates will slowly rise throughout the year
The Mortgage Bankers Association (MBA) anticipates that rates will rise slightly in 2011, hovering around 5 percent and increasing to about 6 percent in 2012. Holden Lewis of Bankrate wrote this past fall that economists had predicted a rise in mortgage rates by the third quarter of 2010. At the end of 2010, mortgage rates began to climb out of the 4 percent range and slightly above 5 percent. While any increase in mortgage rates is unwelcome to homeowners who want to refinance or to buyers, a 5 percent mortgage rate is still historically in the low range of interest rates.

2. Overall demand for mortgages will decrease
The MBA predicts that total mortgage originations for 2011 will decline to less than $1 trillion, driven by subdued economic growth and a lack of consumer confidence.

3. Mortgage refinancing applications will drop
Mortgage refinancing has represented a large portion of all mortgage applications in any given week this year, with the refinancing applications accounting for about 80 percent of all mortgages written this year. The MBA predicts that refinancing activity will drop below 40 percent of mortgages in 2011 and decline further to 26 percent of mortgages in 2012. Not only will rising mortgage rates reduce the demand for refinancing, but the pool of qualified homeowners will shrink. Homeowners who could qualify are likely to have done so in 2010, and others have difficulty obtaining a loan approval because of reduced equity or credit or income challenges.

4. Mortgage applications for a home purchase will become a greater part of the market
The MBA predicts that stabilizing home prices and modest increases in home sales will increase the number of applications for a mortgage for a home purchase.

5. Jumbo loan mortgages will be more attractive
In 2009 and earlier in 2010, mortgage rates for jumbo loans (loans over $417,000 in most housing markets and above $729,750 in high-cost housing markets) were far higher than mortgage rates for conforming loans. The higher rates prevented homeowners from refinancing and kept some purchasers out of the market for more expensive homes. In the Q4 of 2010, mortgage rates on jumbo loans decreased, which will likely spur refinancing applications and purchase applications for the high-end housing market.

6. All-cash purchases will become a larger part of the market
Lawrence Yun, chief economist of the National Association of Realtors, says that all-cash purchases represented about a quarter of all existing home purchases in the last four months of 2010. He anticipates all-cash purchases to continue to represent a significant portion of the market in 2011.

7. The mortgage loan process will remain slow and complex
Holden Lewis at Bankrate says even if the number of loan applications drops, lenders anticipate that the time between application and closing will continue to take as much as 60 days. In fact, many lenders recommend a loan lock of 60, 75 or even 90 days to ensure that the loan process will be complete within the lock period. One issue is simply the new level of documentation and verification that is required for a loan approval. Another issue that slows refinancing applications is the existence of a second mortgage or a home equity line of credit, which must be re-subordinated to the first loan when refinancing. Getting a lender to agree to keep the home equity loan in the second position can be time-consuming.

The bottom line
While these general mortgage trends may impact the real estate market overall, each homeowner or buyer considering applying for a mortgage should meet with a lender to determine the cost and availability of a loan that meets his or her needs.

If you or anyone you know is looking to purchase a home, contact Primary Residential Mortgage Inc’s, TeamPrimary or visit us on Facebook at www.Facebook.com/TeamPrimary!

According to an article posted by TheReddingPilot, homeowners are urged to test their homes for radon gas. Having radon gas present in your home is a major concern for health risks.

The Post:

State urges testing of homes for radon gas, leading cause of cancer for non-smokers

The Connecticut Department of Public Health (DPH) is urging people to test their homes for radon gas, the leading cause of lung cancer in non-smokers in the United States. Federal health officials estimate that radon is responsible for more than 21,000 lung cancer deaths per year. Only smoking causes more lung cancer deaths.

Radon, a naturally occurring radioactive gas formed from the natural decay of uranium, is found in rock, soil and water. While radon in outdoor air poses a relatively low threat to human health, radon can enter homes from the surrounding soil, and become a health hazard inside buildings.

“Radon is present at elevated levels in about one out of every five homes in Connecticut,” said DPH Commissioner Dr. J. Robert Galvin. “However, because you can’t see or smell radon, people often are unaware there might be a silent killer in their homes.”

Radon gas can be found in any home or building, including schools and offices. Scientists have long been concerned about the health risk of radon, but never before has there been such overwhelming evidence that exposure to elevated levels of radon increases a person’s risk of developing lung cancer.

DPH and the United States Environmental Protection Agency recommend that homes with radon levels at 4.0 pCi/L or higher should be fixed. However, radon exposure at any level poses some health risk; therefore, homeowners may want to consider reducing radon levels that are greater than 2.0 pCi/L.

Breathing radon over prolonged periods can present a significant health risk. If you smoke and your home has radon, your risk of lung cancer can be higher. Because radon does not have an odor or cause symptoms, you may not know you are exposed. As such, all Connecticut homes should be tested for radon and action should be taken to reduce high levels.

To read the rest of this article click here.

For your mortgage needs, contact Primary Residential Mortgage, Inc. or visit us on Facebook at www.Facebook.com/TeamPrimary!