Top 5 Home-Buying Myths!

Whether you’re a real estate professional or first-time home buyer, the home buying process and real estate transactions can be stressful.  There tends to be some common misconceptions in this process, so it’s very important that you’re well informed of what is fact and what is fiction.  We’re here to set the record straight.

Myth #1:  You don’t need a REALTOR®.

Before you bravely take on one of the biggest purchases or sales of your life, remember this: it’s not as easy as it looks.  REALTORS® know all the ins and outs of the local area as well as the market in which you’re looking to buy or sell.  Picking up the phone and calling a REALTOR® may be one of the best decisions you’ll make.

Myth #2:  The bigger the down payment, the better off you’ll be.

Buyers’ immediate reflex is to put as much cash down as they can when buying a new home because they’ll borrow less, lower the monthly mortgage payments, and won’t need to buy mortgage insurance.  However, putting 20% down is not a requirement and it’s not for everyone.

Thanks to Federal Housing Administration Loans (FHA Loans), you can put as little as 3.5% down.  With this method, you’ll potentially have a lower interest rate, giving you more flexibility.  Your money is not all tied up in your house like in a traditional down payment that can leave you with little or no extra cash to spend on home care, improvements, or any other unforeseen circumstances.

Myth #3:  Appraisers set the value of a home.

The role of the appraiser is to produce a credible opinion of value that reflects the current market.  Appraisers are not responsible for setting the value of the home and they also do not confirm a home’s sale price.  According to David S. Bunton, President of The Appraisal Foundation, “Appraisers provide an analysis of the collateral, so that lenders understand the value of a property when making the loan decision.”

Myth #4:  You need perfect credit.

Most people assume that you must have absolutely golden credit in order to get a loan, but that just simply isn’t the case.  If buyers have less than perfect credit, lenders are often willing to work with them to get the best possible loan.

Credit is not the only thing that lenders look at when deciding to approve a loan, but your score will have an effect on the interest rate on your mortgage.  Make sure you review your credit report and if any errors are found, they should be reported to the credit reporting bureaus before applying for a mortgage.

 

Jamberry Introduces Nail Lacquer!

Jamberry Professional Nail Lacquer provides 5-free* salon quality coverage, with vibrant colors that complement many of our nail wrap designs. These nail lacquers are perfect for the ever trendy statement nail, pesky pinky toes, or under any of our clear nail designs. Our Glitter Effect Top Coat is nail lacquer with multi-colored glitter specks.

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Available now! http://bit.ly/1gHWNgS

FEATURES & BENEFITS: Jamberry Nail Lacquers use the latest color and cosmetic technologies to enhance and beautify nails.Lacquers provide a rich and extensive palette of the widest range of colors and effects without the use of Toluene, Formaldehyde, Dibutylphthalate (DBP),Camphor or Formaldehyde Resin. Made in the USA, gluten free, cruelty free, and Vegan friendly.

Prep your nails for a smooth application with our extraordinary base coats - 

Strengthening Base Coat was formulated as a dual function nail lacquer. The product provides both base coat adhesion properties and strengthening treatment properties.Key Points of the Strengthening Base Coat 

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Key Points of the Strengthening Base Coat

  • *Toluene, Formaldehyde, Formaldehyde Resin, Camphor and DBP Free
  • Dual function – Use as a base or alone as a strengthening treatment
  • As a Base Coat it prepares nail surface for optimum nail lacquer or nail wrap application
  • Provides intensive treatment and will help nails become noticeably stronger within weeks. Additionally the nail strengthening property promotes nail growth, conditions and helps normalize the natural nail plate to promote healthy, strong nails
  • Contains horsetail plant extract, which is a herb rich in nutrients and high in silica, which promote strong healthy nails.
  • Provides ingredients to improve and protect nails.

 

Instructions for use: For a flawless nail lacquer application – Apply on a clean, dry nail. Apply one coat of desired nail strengthener. Use alone or as base coat. As a strengthener use 2-3 times per week for approximately two weeks. Remove and refresh original application.

Jamberry Smoothing Base Coat (ridge-filler) as well as our Top Coat options. This product has been formulated to help enhance the appearance of the natural nails.

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Key Points of Smoothing Base Coat 

  • *Toluene, Formaldehyde, Formaldehyde Resin, Camphor and DBP Free
  • Natural Nail Camouflage
  • Conceals imperfections and smooths surface
  • Dual function – Ridge-filing and Base Coat properties
  • Prepares nail surface for optimum nail lacquer application
  • Protects natural nail surface from staining by creating a barrier
  • Improves nail lacquer wear

 

Instructions for use: For a natural looking application. Apply on a clean, dry nail. Apply one-two coats to help smooth the surface of the nail. Allow each coat to dry to the touch prior to applying additional coat.

 

Enhance the look of your nails with our trio of top coats - 

Key Points of the Jamberry Nail Lacquer and Glitter Effect Top Coat 

  • *Toluene, Formaldehyde, DBP, Camphor and Formaldehyde Resin Free
  • Glossy
  • Fast drying
  • Long Wear
  • Smooth application
  • Excellent inter-coat adhesion to Base Coat and Top Coat
  • Experience nail color in a spectrum of vivid hues, special effects and dazzling finishes
  • Reinforces and protects nails

Instructions for use: For a flawless nail lacquer application. Apply a layer of Base Coat on a clean, dry nail. Allow to dry to the touch prior to applying nail lacquer. Apply two coats of nail lacquer. Allow each coat to dry to the touch prior to applying additional coat. Finish with Top Coat.

 

Jamberry Ultra Shine Top Coat. This product has been formulated to provide a glossy finish and improve the external wear characteristics of nail lacquer.   

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Key Points of Ultra Shine Top Coat

  • *Toluene, Formaldehyde, Formaldehyde Resin, Camphor and DBP Free
  • Provides a glossy finish
  • Creates an external barrier to environmental elements
  • Maximizes the wear characteristics of nail lacquer
  • Clear shield provides a bright transparent color enhancer
  • Provides reinforcement and smooths minor surface imperfections

 

Instructions for use - Topcoat: For a flawless nail lacquer finish. Allow final nail lacquer coat to dry to the touch prior to applying topcoat. Apply one-coat of topcoat.

 

Jamberry Matte Finish Top Coat. This product has been formulated to provide a satin finish and improve the external wear characteristics of nail lacquer.

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Key Points of Matte Finish Top Coat  

  • *Toluene, Formaldehyde, Formaldehyde Resin, Camphor and DBP Free
  • Provides a satin finish
  • Creates an external barrier to environmental elements
  • Maximizes the wear characteristics of nail lacquer
  • Creates a final surface appearance that is different than the traditional glossy finish
  • Smooths minor surface imperfections
  • Provides reinforcement and protects nails

 

Instructions for use - Topcoat: For a flawless nail lacquer finish. Allow final nail lacquer coat to dry to the touch prior to applying topcoat. Apply only one-coat of Matte topcoat.

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Ultimate Jambery Challenge Day 4

Ultimate Challenge DAY 4 Observations:
- Sephora (1) and Sally Hansen (3) both chipped badly while I was cleaning the bathroom. Essie (5) start peeling back at the tips while giving my kids a bath.
Ultimate Challenge Day 4
- I officially call Jamberry (4) the winner. Didn’t take very long! Join the nail revoloution by going to http://www.jamminmandie.jamberrynails.net and taking advantage of the Buy 3 Get 1 #FREE specail! 

Ultimate Jamberry Challenge – Day 3

Ultimate Challenge DAY 3 Observations:

Ultimate Challenge Day 3

While washing dishes the Avon (2) wraps slid right off. Sally (3) and Sephora (1) are also chipping BADLY and Essie (5) is starting to
recede from the tip of my nail. Jamberry (4) still holding strong.

Sign up to host a online interactive 45 minute Facebook party! Party in your Pajamas! Hit me up on http://www.jamminmandie.jamberrynails.net/host to get started!!! Earn free wraps!

Ultimate Jamberry Challenge – Day 2

So here is some observances from the Jamberry Ultimate Wrap Challenge on day 2.

Ultimate Challenge Day 2

After a normal day of diapers, dishes and general work around the house Avon (2) is 1/3 gone and the Sephora (1) ones are beginning to chip. The Sally Hansen (3) ones still smell strongly like nail polish.

 

Don’t forget you can get these wraps Buy 3 Get 1 FREE on my website www.jamminmandie.jamberrynails.net

Ultimate Jamberry Challenge – Day 1

So I’ve been with Jamberry Nails since March, since then we’ve gotten some comptetion! Here is a challenge that shows the difference in the wraps day by day!
Wraps are: Sephora, Avon, Sally Hansen, Jamberry & Essie.

Ultimate Challenge day 1

DAY 1: The polish based wraps (sephora & sally hansen) had a very overwhelming smell that lasted a looong time. These wraps also dry out after opening the package and have no shelf life. The vinyl based wraps (essie/avon) were very thin and sticky. I had a hard time getting the Avon ones on without ripping them.  Check back tomorrow to see what happend on day 2!

Jamberry Nail Wraps are retiring 181 of oru wraps on 8/31! Get them Buy 3 Get 1 FREE at www.jamminmandie.jamberrynails.net Feel like earning FREE wraps?!? I do online an home parties! Let’s get you set up for one today!  Check out my facebook page for new wrap style, giveaways and more!

Jamberry Nails to retire 180 wraps on 8/31!

Jamberry Nails are getting ready for the Fall/Winter line that is coming out 9/1, by retiring these 180 wraps on 8/31!!! YES! I said RETIRING...meaning NO LONGER AVAILALBE, GONE, BYE-BYE! There are tons of them that I love.. and a I’ll be sad to see go.  I did though get to see a sneak peek video of the new ones coming out…and I have to say I’m rather excited about a few of them! Take a look at all of these!!! Time to stock up now on your favs if you have a few on here! Don’t forget you can still Buy 3 Get 1 FREE!   Also if you place an order, or get booked on my calenedar to HOST A PARTY (either online, catalog, or in home)  between now and 8/9/13 at 10pm PST, you will be entered to WIN a FREE 1/2 set of Jamberry Nails! What’s better then WINNING something!

Gonig Going Gone!Gonig Going Gone!Gonig Going Gone!

What’s new in My World?!?!?! JAMBERRY NAILS!

So on 3/1/13 I decided to start selling Jamberry Nails! What are Jamberry Nails you ask?

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Jamberry Nail Wraps are a solid film covering that is both pressure & heat activiated to create a tight bond with your nail! With over 250 designs and the new Nail Art Studio were you can design your own wraps the possiblities are endless!!  I’d love it if you had the chance to go look at my facebook page. www.facebook.com/jamminmandie where I have a giveaway going on right now for a free set of Jamberry Nail Wraps!  Just head over here http://bit.ly/Xfc9Ss to enter! Giveaway ends soon!   I do home and online parties, where the hostesses are spoiled with the great reward system we have!  If you are intersted in hosting a party just go to my website http://www.jamminmandie.jamberrynails.net and click “Host” so we can get you set up on the calendar!

If you are from Seattle you already know this…

 

 

1. Seattle is beautiful.

Seattle is beautiful.

Source: offbeat

2. It has mountains…

It has mountains...

We love it when the mountains are out.

3. Forests…

Forests...

Source: b7v.net

4. Lakes…

Lakes...

Seriously, Mt. Rainier is so majestic.

Source: Thatcher Kelley  /  via: thatcherkelley

5. And Puget Sound.

And Puget Sound.

The ferries are pretty cool too.

6. The Seattle uniform looks something like this:

The Seattle uniform looks something like this:

7. Umbrellas are for tourists.

Umbrellas are for tourists.

The rain isn’t THAT bad.

8. Whenever it snows it might as well be the end of the world.

Whenever it snows it might as well be the end of the world.

You live on a hill, so driving is impossible.

9. A little bit of your soul dies when you don’t properly sort your recycling.

A little bit of your soul dies when you don't properly sort your recycling.

You haven’t seen Styrofoam in years, and the idea of it makes you cringe.

10. Seattle has the best seafood.

Seattle has the best seafood.

Salmon for days.

11. Good Asian food is EVERYWHERE.

Good Asian food is EVERYWHERE.

The pho is so good that Sabzi from the Blue Scholars wrote a song about it.

12. Molly Moon’s = the best ice cream.

Molly Moon's = the best ice cream.

13. A burger from Dick’s Drive-In is always delicious.

A burger from Dick's Drive-In is always delicious.

Esquire crowned Dick’s the most life-changing burger joint.

14. You will die without coffee. Luckily, good coffee is everywhere.

You will die without coffee. Luckily, good coffee is everywhere.

You can find coffee all around Pike Place Market, including the original Starbucks.

15. Everyone works at Microsoft.

Everyone works at Microsoft.

Or Amazon. Or Boeing.

16. It would have taken forever for Tom Hanks to travel by boat from his house on Lake Union to Alki Beach in Sleepless in Seattle.

It would have taken forever for Tom Hanks to travel by boat from his house on Lake Union to Alki Beach in Sleepless in Seattle .

17. The Seafair Pirates are a friendly crew.

The Seafair Pirates are a friendly crew.

18. Zombie sightings occur regularly.

Zombie sightings occur regularly.

This year’s Red, White, and Dead Zombie Walk is July 6.

Source: komonews.com

19. Everyone wishes they could go paintballing in Gas Works Park.

Everyone wishes they could go paintballing in Gas Works Park.

If Heath Ledger and Julia Stiles did it in 10 Things I Hate About You, then why can’t we?

20. Seattle’s sports teams aren’t the greatest, but we love them anyway.

Seattle's sports teams aren't the greatest, but we love them anyway.

And nothing is better than the Mariners in 1995.

21. Seattleites love the Sounders.

Seattleites love the Sounders.

Sounders fans are proof that soccer can be successful in America.

22. It’s all about the 12th man.

It's all about the 12th man.

And Russell Wilson.

Source: seahawks.com

23. Tailgating for Husky football is best done by boat.

Tailgating for Husky football is best done by boat.

Source: nytimes.com

24. The Sonics are (hopefully) returning to the 206.

The Sonics are (hopefully) returning to the 206.

25. Sorry, Sacramento, but Seattle is tired of suffering without a team.

Sorry, Sacramento, but Seattle is tired of suffering without a team.

This poll clearly demonstrates how Washington felt less than a year ago.

26. Grunge is over.

Grunge is over.

It makes us sad.

27. But Seattle’s music scene is very much alive.

35 Truths That Every Seattleite Is Aware Of

We heart Macklemore.

Source: Tumblr.com

28. The Experience Music Project is kind of ugly but also kind of cool.

The Experience Music Project is kind of ugly but also kind of cool.

29. The gum wall is also has the same ugly/cool thing going on.

The gum wall is also has the same ugly/cool thing going on.

But mostly it’s just gross.

30. The only thing cooler than the Fremont Troll is the Fremont Troll Chia Pet.

The only thing cooler than the Fremont Troll is the Fremont Troll Chia Pet.

Source: amazon.com

31. Dale Chihuly is Seattle’s glass god.

Dale Chihuly is Seattle's glass god.

32. The Space Needle has a sense of humor.

The Space Needle has a sense of humor.

It survived an Angry Birds attack.

Source: thedaily.com

33. Washingtonians have spoken, and marijuana is now legal.

Washingtonians have spoken, and marijuana is now legal.

The Seattle Police Department released this informative guide on marijuana use. The guide is called “Marijwhatnow?” and includes a Lord of the Rings YouTube video.

Source: Tumblr.com

34. Washington also voted in favor of gay marriage.

Washington also voted in favor of gay marriage.

Source: seattlepi.com

35. Seattle is very hipster-friendly.

Seattle is very hipster-friendly.

It’s probably because the city is so underground. And chances are, you toured underground Seattle on a field trip.

365 Things to Do In the Greater Puget Sound – Day 60

February 10 Exhibition Hall
Cascade Bicycle Club Bike Swap
The Seattle Bike Swap, now in its 17th year, is a bike bargain hunter’s paradise with up to 100 vendors under the same roof! Expect great deals on new and used bike-related goods, from complete bikes to small parts. You never know exactly what vendors will bring to sell and what treasures you will find. Don’t miss this one-day-only sale!
9 a.m. to 2 p.m.
ADMISSION:
 - Adult Entry:  9 a.m. to 1 p.m. – $5
 - Free entry hour: 1 p.m. to 2 p.m.
   (Kids 15 and under are FREE all day!)