Tuesday, July 28, 2009

What cats do when it's hot...


....or really any other time they feel like it I suppose!

This is a cute photo of Peggy, the cat child of our friends Matt and Claire.

Peggy got her name because she has a short tail...a peg if you will. She's funny. It has been so stinkin hot here lately, that there really isn't much else a cat (or anyone else for that matter) should be doing.

I've never really known a cat to just sprawl out on their back with all fours spread out for a nap. But I've never HAD a cat...so maybe this really isn't all that unusual. Please let me know what you think.

Thursday, July 23, 2009

The joys of teaching...



All of you who know me know that I'm an educator at heart. Most of my professional life has been in education (and I consider Real Estate education as well - that is a large part of what we do as agents), and one of the reasons I wanted to start Cardani Group, REALTORS®.

For a little over a year now I've been teaching the Texas Real Estate Commission Legal Update and Ethics courses and the NAR Ethics course at the Austin Board of REALTORS®. I also taught a few Principles I and Principles II courses at the Champions School of Real Estate Austin campus. Every time I teach, I learn. Every time I teach, I meet new people. Every time I teach, I make new friends.

On Monday of this week I taught Technology 101 - An Overview at the Austin Board. This was a custom designed course written to help agents get a better understanding of the huge variety of technology options available to them. We had a great time exploring various hardware, software and services related to our profession, looked at ways they can assist us in our business, and considered some of the ethical implications of the technology.

As a special bonus, the participants received special discount codes for many of these services - including showing feedback, text response services and cell phone service. Two lucky people one free tech toys...the first a digital key chain and the second a free domain name.

At the end of the three hour course, it was clear that we were really just getting started and there was so much more we could cover. It could have easily been a 6 hour course. We will likely have the same experience in the 102 and 103 sessions. I can't wait for those, coming up in August and September.

Anyway, from being with my peers and the simple joy of being in a learning environment is always fantastic. And it's always a special bonus to check out the participant evaluations. Good stuff. Here's an excerpt from one participants evaluation. Always makes you feel good to hear this type of feedback!

Thank you to everyone who attended the class. It was absolutely my pleasure to share this information and to facilitate our learning. While 101 was an very intentionally an overview, 102 will be an in-depth exploration of social networking technologies, how they can be utilized in our business, how the Code of Ethics impacts our social networking activities, and how to create a plan that balances our regular networking activities with this new phenomena. I'm looking forward to seeing you again next month! Bring your friends!

Wednesday, July 22, 2009

Birthday Day II


Our friend Jennifer always refers to her "Birthday Season"...it's about a month long, and includes gifts and indulgences in celebration of her special day.

This year I'm embracing that a little bit...with perhaps a birthday week?

Tonight we had dinner with our friends Claire and Matt....we usually do that at least once a week. We enjoy the company and friendship, and Claire and I enjoy whipping some new things up in the kitchen every once in a while. Matt has been known to dabble in some great eats as well. Lots of fun, low pressure, good times.

Claire made a cake for my birthday....a Lime Chiffon Cake. YUM. It was very tasty and very pretty....Rick suggested I take a photo to share on my blog.... After a little discussion about how a good REALTOR® always has a camera, I used the camera in my phone to snap this shot. Now it's important for you to know that I have a "real" camera in my car for emergency purposes - an old Kodak that takes AA batteries for those times when I didn't intend on taking a photo but I need to (usually at houses, but it has come in really handy when I've come along on an accident or something. Why use the phone cam instead of a real camera? It actually rained in Austin, Texas today...and I didn't want to mess my hair up! ;)

We're back home now...dry and full....winding things down for the day.

Monday, July 20, 2009

Technology 101 at the Austin Board of REALTORS®

Today was the first class in my three part technology series being offered at the Austin Board of REALTORS®. The class today, Technology 101, was an overview of many technologies available to help REALTORS® build and retain business, and provide outstanding service.

One of the topics we discussed is the increase use and popularity of video and the ease of producing video. During the class I shared the new Flip Ultra HD video camera - small, light weight, and excellent quality. Below is a quick video that we shot during a break (you'll hear Beat It in the background - I always play some background music along with the timer on the screen - keeps things fun - and few other instructors do it so it helps set me apart. Seemed like it was a good opportunity to pay tribute to MJ)



Next month I'll be teaching Technology 102 - Social Networking, and in September we'll finish things off with Technology 103 - Hands On. Great times and great info - and three hours of MCE credit for each class! Join us!

Thursday, July 16, 2009

Mortgage Broker vs. Mortgage Banker

One of my clients asked a great question today - and I thought it would be good information to share here.

Q: What is the difference between a mortgage banker and a mortgage broker? You send me information for three people - two are brokers one is a banker. What should I do?

A: I nearly always send clients the names of three professionals that I have first-hand experience with when I'm asked for a referral - whether it be for a mortgage, plumber, furniture restoration, etc. I think it's always best for people to call all three, and be completely up front about that fact when they have that first conversation with a provider. At the end of the calls, you then have a decent feel for what it will be like to work with these individuals, and can make your choice based on who you feel best about. Remember - I will only send you referrals for people I have first hand experience with - I call them Strategic Alliance Partners. They WILL take good care of you!

Now to answer the specific question about what the difference is between the broker and banker....

According to the National Association of Mortgage Brokers, a Mortgage Broker is "an independent real estate financing professional who specializes in the origination of residential and/or commercial mortgages." There are, according to NAMB, approximately 20,000 mortgage banking firms nationwide.

In essence, mortgage brokers know where the money is. Rather than lending their own funds, they lend money from other sources such as banks, pension funds, insurance companies, and savings and loan associations. They find competitive mortgage pricing from various mortgage companies, insert their individual profit, and ask for that profit at closing. The theory is that because a mortgage broker has access to multiple lenders, they have the ability to shop for the best rates AND the best programs for your specific need.

A mortgage banker is different. A mortgage banker, says the Mortgage Bankers Association of America, is "an individual, firm or corporation that originates, sells and/or services loans secured by mortgages on real property."

Normally, mortgage bankers are affiliated with a specific lender, and have access only to the products available for that specific lender. There may be programs available elsewhere that will be a better fit for your particular purposes, however the mortgage banker does not always have access to them.

The most important thing to remember about mortgages - work with someone you have been referred to and who has a proven history of getting the job done! When I review transactions that either failed to close, or where my clients were not as happy with the outcome as they could have been, it 9.9 times out of 10 it was due to working with a mortgage professional that did not put our clients interests above their own or simply was not taking care of business even with the constant follow up that I provide for every client. In every single instance, the client worked with a friend of a friend or someone they found online.

Wednesday, July 15, 2009

Need a new map?


Hey all you Austin REALTORS® (and everyone else that uses a Mapsco map)...have you heard the news? You can now trade in your old mapsco and for just $10 get the newest version.

You know how it is...you're headed out to show a property in a newer area, you punch the address in your gps and....nothing. And sometimes the directions are kinda sketchy on the listing. Don't be caught without your Mapsco!

I'm headed to get mine today!

Saturday, July 11, 2009

Austin Board of REALTORS® Leadership Academy


If you're watching facebook you've probably seen some of my status updates with information about my participation in the Austin Board of REALTORS® Leadership Academy. Lots of great information and training from our local board, state association, and an assortment of other state and local leaders. One of the best things about participating in something like the leadership program is the camaraderie.

The photo attached is from the Austin REALTOR® magazine - July edition. Kinda fun to see yourself in print. Funny how you can always spot me in a photo like that...bright Tommy Bahama shirt vs. the more "conservative" look of my colleagues. Lots of great information, great experiences, and amazing professionals. I am very honored to have been a part of the program!

Friday, July 10, 2009

Great tips for green cleaning


Here are some fantastic recipes for all of you working to "green" your life without parting with too many greenbacks....everything from floor cleaner to toothpaste can be made right at home with safe, natural ingredients.

With five ingredients — baking soda, washing soda, liquid soap or detergent, distilled vinegar and an antiseptic essential oil — you can clean everything in your house.

Baking Soda and Washing Soda
. The magic of these minerals is that they neutralize many stains and odors. They are alkaline, cut grease and can even dissolve wax. Baking soda also serves as a mild abrasive. Washing soda is the best heavy-duty scourer, but it is slightly caustic, so you need to wear gloves when using it.

Liquid Soap or Detergent. Soap is better for your health and the environment than detergents, but because water reacts with minerals in soap, washing clothes with it can leave an insoluble film and turn clothes grayish. If you wash your clothes with detergent, select the most biodegradable brand.

Vinegar and Essential Oils
. Vinegar neutralizes many stains and odors, dissolves scale and pulls dirt out of wood. Use only white distilled vinegar for cleaning; apple cider vinegar could stain some materials, such as upholstery. Antiseptic essential oils — such as tea tree, sweet orange, lemon-grass, rose, clove, eucalyptus, cinnamon, birch or lavender — kill bacteria and mold.

And for the recipes...


Soap for Sparkling Dishes
This cleaner works well except in hard water, where it can cause soap scum.

1 ounce liquid castile soap
2 cups water
1 teaspoon vegetable glycerin
5 to 10 drops lavender essential oil (optional, but lavender is antibacterial)

Combine the soap and water in a jar. Add the glycerin and lavender (if using). Stir to blend. Pour some on a sponge, or add a few teaspoons to a sink full of warm water.

Soap Scum-fighting Spray
1 teaspoon borax
1/2 teaspoon liquid detergent
1/4 cup white distilled vinegar
2 cups hot water

Combine the ingredients in a spray bottle, and shake to blend. Spray. Follow with a sponge. Rinse. Makes 2 1/4 cups.

Gentle-but-effective Scrub
Can be used on Formica countertops, sinks, the bathtub and the shower stall.

1/2 cup baking soda
Enough liquid soap or detergent to make a frostinglike consistency
5 to 10 drops essential oils, such as rose or lavender (optional)

Place the baking soda in a bowl; slowly pour in the liquid soap, stirring all the while, until the cleaner has a frostinglike consistency. If you're using any essential oils, be sure to add them last. Scoop the creamy mixture onto a sponge, wash the surface well and rinse. Makes 1/2 cup.

Floor Shine
You can use this preparation on all floors except when directed by the manufacturer to avoid even mild detergents.

1/4 cup liquid soap or detergent
Up to 1/2 cup white distilled vinegar or lemon juice
2 gallons warm water

Combine the ingredients in a large plastic bucket. Use with a mop or sponge. Makes about 2 gallons.

Club Soda Linoleum Spray
The alkaline minerals in club soda work wonders against dirt.

2 cups club soda

Pour the club soda into a spray bottle, spray onto linoleum and mop dry. Makes 2 cups.

Magic Window Wash
1/4 cup white distilled vinegar
1/2 teaspoon liquid soap or detergent
2 cups water
A few drops of essential oils, for scent (optional)

Combine the ingredients in a spray bottle and shake to blend. Spray on surface, then remove with a squeegee, paper towel or newspaper. Makes 2 1/4 cups.

Toilet Bowl Tidy-up
1/4 cup white distilled vinegar
2 cups water

Vinegar is an, underused but effective disinfectant. Combine the ingredients in a spray bottle, shake and spray along the inside rim of the toilet. Leave on for 15 minutes and then scrub with a toilet brush. Makes 2 1/4 cups.

Baking Soda Oven Cleaner
Small- to medium-sized box of baking soda
Water

Sprinkle the bottom of the oven with baking soda to cover. Spray with water until very damp, and keep moist by spraying every few hours.

Let set overnight. In the morning, simply scoop out the baking soda — all the grime will be loosened — and rinse the oven well. Baking soda needs a lot of rinsing, but it is well worth the effort because it produces no toxic fumes. For really tough jobs, substitute washing soda for half the baking soda.

Balk at Using Standard Bleach The active ingredient in most household bleach is sodium hypochlorite, a moderately toxic chlorine salt. In the wastewater stream, household bleach also can bond with other chemicals to form cancer-causing organochlorines.

Seventh Generation's brand offers an effective alternative; you can find their non-chlorine bleach in stores like Newflower Market, Sunflower Market, Whole Foods, and a host of other stores.

Drain Cleaner Blues
Many commercial drain cleaners are very caustic. Some are nothing more than straight lye, a dangerous material you don't want in your home, especially if you have easily damaged PVC pipes.

Other drain cleaners are acids. All seem to be bad news for the wastewater stream. The efficacy of drain cleaners is in doubt, too, according to Consumer Reports. So, instead of resorting to chemicals, grab a plunger or a plumber's snake, and unclog your drains by hand. And to keep drains clean, pour 1 cup washing soda down them every week or so.

4 ounces calcium carbonate (chalk)
2 ounces baking soda
Enough glycerin to make a paste
1/8 teaspoon refined (white) stevia or 1 teaspoon honey
10 drops essential oils, such as oil of wintergreen or peppermint

Combine the ingredients in a bowl, stirring vigorously until well blended. Scoop the paste onto a toothbrush with a knife or spoon. Makes 3/4 cup.

Among commercial products, Tom's of Maine has one of the best natural formulations, with a synthetic detergent, sodium lauryl sulfate, derived from coconut, not petroleum. The Natural Dentist and Weleda brand toothpastes are made with herbs and no sodium lauryl sulfate.

Cool Cleaner for Your Hairs
10 ounces water
1 to 2 ounces liquid castile soap (the less the better)
1 teaspoon glycerin or 1/4 teaspoon mild oil, such as olive or almond oil
20 to 35 drops essential oils (optional)

Make the herbal water infusion by putting a handful of herbs in a pint mason jar and immersing them in boiling water. Cover tightly, let set overnight; strain. Add the soap, glycerin and essential oil (if using); cover and shake to blend. Shampoo as usual. Makes 1 1/2 cups. Caution: Essential oils can harm the eyes, so be sure not to get shampoos, rinses or conditioners in your eyes, and add no more than 3 drops of essential oil per ounce of base. Among commercial shampoos, Aubrey Organics, Logona and Real Purity are good brands.

Astringent
Gypsies first formulated this wonderful astringent, called "Queen of Hungary Water," for use primarily as a medicinal remedy; the recipe appears in many old herbals, using a variety of herbs. I have often made a version, originated by noted herbalist Rosemary Gladstar, for Christmas gifts, bottling it in beautifully shaped blue glass. Here is my favorite adaptation of the recipe; it omits chamomile (because so many people are allergic to ragweed, to which chamomile is related) and increases the amount of calendula. Feel free to adapt the recipe to suit your own skin type and preferences.

6 small handfuls fresh lemon balm leaves
5 small handfuls calendula flowers
4 small handfuls rose petals
3 small handfuls fresh comfrey leaves
1 small handful each rosemary, lemon peel and sage
Organic apple cider, as needed
Rose water or witch hazel, as needed

Place the herbs in a 1-gallon glass jar. Cover the herbs with organic apple cider vinegar, leaving about 2 inches to spare in the jar. Screw the lid on tightly. Let it set for four to six weeks. Strain. Divide the mixture into smaller jars, and dilute to half its strength with rose water or witch hazel extract.

Sesame-spiked Sunblock
Sesame oil is a natural sunscreen, and zinc oxide protects against UVA and UVB radiation. Apply this block every hour or so when you're out-of-doors, and reapply after swimming.

2 1/2 ounces sesame oil
1 1/2 ounces coconut oil or cocoa butter
4 ounces water or strong green tea made with distilled water
1/2 ounce beeswax
2 tablespoons zinc oxide
Natural preservative (see "Dreamy, Creamy Lotion" formula)
10 to 20 drops antiseptic essential oils (optional)

Melt the oils and beeswax in a double boiler over medium heat. Remove from heat, add water and mix with an electric handheld mixer until thick and creamy. Add the zinc oxide and preservatives, followed by the essential oil (if using). Blend well. Makes 1 cup. (Reserve the double boiler and the handheld mixer especially for making these preparations.)

Dreamy, Creamy Lotion
Many commercial lotions have high amounts of alcohol, which can dry your skin and make the use of heavy creams necessary. Homemade lotions without alcohol eliminate that problem and offer a pleasant change.

2 1/2 ounces almond, olive or peanut oil (or a combination)
1 1/2 ounces coconut oil ounce beeswax
2 ounces aloe vera gel
2 ounces water or rose water
1 tablespoon glycerin
Natural preservative (1 teaspoon vitamin C powder, 1/4 teaspoon vitamin A powder and 1 tablespoon wheat germ oil or 1/3 teaspoon grapefruit seed extract)
10 to 25 drops fragrant essential oils, if desired
1 teaspoon borax (optional)

Melt the oils and beeswax over medium heat in a double boiler. Remove from the heat, pour in the aloe vera gel, water, glycerin, preservative and fragrance (if using), and stir with a mixer until thick and creamy. For a thinner lotion, slightly decrease the beeswax. (You can add 1 teaspoon borax, too.) Makes 1 cup. Whiskers-be-gone Shaving Cream

Shaving Cream
2 ounces almond oil
1/2 ounce beeswax
4 ounces water
2 ounces liquid Castile soap
1 ounce glycerin
1 teaspoon borax
1/3 teaspoon grapefruit seed extract
20 drops essential oils

Combine the oil and beeswax in a double boiler over medium heat. When the beeswax is melted, remove from the heat and stir in water, soap, glycerin and borax. Blend with an electric handheld beater until creamy. Add the grapefruit seed extract and essential oils, and stir to blend. Makes 1 cup.

If this sounds like too much work, look for some of these brands at your local stores. Remember to try and stick with locally owned whenever you can!

All-purpose Cleaners Dr. Bronner's Peppermint Pure Castile Soap, Seventh Generation

  • Carpet Cleaners Granny's Old Fashioned Products and Infinity Heavenly Horsetail liquid detergents
  • Floor Cleaners Infinity Heavenly Horsetail Life Tree Home Soap, Murphy Oil Soap, Sodasan All-purpose Cleaner
  • Disinfectants Power Herbal Disinfectant and Deodorizer
  • Automatic Dish Detergents Life Tree, Seventh Generation
  • Bleach Seventh Generation
  • Hand Dish-washing Soap Ecover
  • Laundry Products Earth Friendly Products, Ecover, Life Tree, Seventh Generation

Remember our friends at South Austin People when it comes to bar soap, liquid soap, scented lotions and other great products.

Recipes and additional information courtesy of Annie Berthold-Bond & motherearthnews.com

Thursday, July 9, 2009

Mmmm....home made pizza!


Tonight's dinner... pizza 1 - thin crust, bbq chicken and ham with thinly sliced red onion and mozzarella cheese. Pizza 2 - regular crust, pesto, chicken and cilantro with mozzarella cheese.

YUM!

Tuesday, July 7, 2009

Landmark buildings going green...


Discovery News just published a great article about some of our landmark buildings being retrofited with energy efficient features....pretty cool stuff!