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Home Buyer Advice

How to Arrange Furniture- 10 Basic Rules

Furniture Arranging
Furniture Arranging
Planning the arrangement of furniture is hard enough when you are buying new furniture to fill a house for the first time. It becomes even more challenging when you are moving a houseful of furniture from an existing home into a new space. It may take a while to get a feel for the new space and figure out how to make the rooms both comfortable and functional. And you need to be ready to rearrange, get rid of pieces that don’t fit, and perhaps purchase new items that might work a little better than your old pieces.
If possible, give careful consideration to the arrangement of furniture in the new space well before you move. This advance planning can make the arrangement go much smoother when moving day comes, and it might even prevent you from moving furniture that is not going to work in the new space, anyway. If a couch is destined to be given or thrown away, why go through the labor and expense of moving it from the old house to the new?
Over the years, interior designers have recognized a number of simple, easy-to-apply principles that work. Just follow these common sense rules and you’ll find that arranging furniture isn’t so scary after all.
1. Think About How the Room Will Function
Consider how the room is used and how many people will use it. That will dictate the type of  furnishings you will need and the amount of seating required.
2. Decide on a Focal Point
Identify the room’s focal point — a fireplace, view, television — and orient the furniture accordingly. If you plan to watch television in the room, the ideal distance between the set and the seating is three times the size of the screen (measured diagonally). Therefore, if you’ve got a 40-inch set, your chair should be 120 inches away.
3. Start With Priority Pieces
Place the largest pieces of furniture first, such as the sofa in the living room or the bed in the bedroom. In most cases this piece should face the room’s focal point. Chairs should be no more than 8 feet apart to facilitate conversation. Unless your room is especially small, avoid pushing all the furniture against the walls.
4. Consider Symmetry 
Symmetrical arrangements work best for formal rooms. Asymmetrical arrangements make a room feel more casual.
5. Create a Traffic Flow
Think about the flow of traffic through the room — generally the path between doorways. Don’t block that path with any large pieces of furniture if you can avoid it. Allow 30 to 48 inches of width for major traffic routes and a minimum of 24 inches of width for minor ones.
Try to direct traffic around a seating group, not through the middle of it. If traffic cuts through the middle of the room, consider creating two small seating areas instead of one large one.
6. Aim for Variety
Vary the size of furniture pieces throughout the room, so your eyes move up and down as you scan the space. Balance a large or tall item by placing another piece of similar height across the room from it (or use art to replicate the scale). Avoid putting two tall pieces next to each other.
7. Build in Contrast
Combine straight and curved lines for contrast. If the furniture is modern and linear, throw in a round table for contrast. If the furniture is curvy, mix in an angular piece. Similarly, pair solids with voids: Combine a leggy chair with a solid side table, and a solid chair with a leggy table.
8. Design for Ease of Use
Place a table within easy reach of every seat, being sure to combine pieces of similar scale, and make sure every reading chair has an accompanying lamp. Coffee tables should be located 14 to 18 inches from a sofa to provide sufficient legroom.
9. Allow for Circulation
In a dining room, make sure there’s at least 48 inches between each edge of the table and the nearest wall or piece of furniture. If traffic doesn’t pass behind the chairs on one side of the table, 36 inches should suffice.
In bedrooms, allow at least 24 inches between the side of the bed and a wall, and at least 36 inches between the bed and a swinging door.
10. Do Your Planning 
Give your back a break. Before you move any furniture, test your design on paper. Measure the room’s dimensions, noting the location of windows, doors, heat registers and electrical outlets, then draw up a floor plan on graph paper using cutouts to represent the furnishings. Or, better yet, use a digital room planner to draw the space and test various furniture configurations. It’s less work and a lot more fun.

Filed under: Blog, Boca Raton real estate, Down Sizing, Exclusive Buyer Agent, First Time Homebuyers, Florida Real Estate, Home Buyer Advice, Home Buyers, Home decorating, Homebuyer Advice, Interior Design, Real Estate, Real estate trends, Relocation, South Florida Real Estate by Kim Bregman
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Household Pets and COVID-19

Pets and Covid-19

Pets and Covid-19

 

Pets are an important part of our family, and one of the bright spots in the stay-at-home mandates due to COVID-19  is that we get to spend more time with them. The pets of the world are probably delighted with that aspect of the current crisis.

Understandably, many owners have questions about their pet’s susceptibility to COVID-19 and how it might affect their personal health. Just as medical experts are learning more each day about how the new coronavirus, COVID-19, impacts the health of humans, they’re also studying its effects on animals. And what they’ve discovered is that although the virus primarily spreads from person to person, it can spread from people to pets in some situations.

A small number of pets worldwide, including cats and dogs, have tested positive for COVID-19, “mostly after close contact with people with COVID-19,” the Centers for Disease Control and Prevention (CDC) says.

Cats appear to be the most susceptible to SARS-CoV-2 and can even develop symptoms of the disease, preliminary studies show. They also seem to be able to spread the virus to other cats. (Laboratory studies have found that ferrets and golden or Syrian hamsters can spread the infection to other animals of the same species as well.)

How to protect your pets

Keeping your four-legged family members safe during the coronavirus pandemic looks a lot like how you might go about protecting the humans in your family. Physical Distancing is a key preventative measure. Public health experts recommend keeping your pet away from other people and animals outside the household.

Avoid dog parks and public spaces where dogs gather to play, and when on walks, keep your dog at least 6 feet from other people and animals. Cats should be kept indoors when possible to limit their interaction with other people and pets, the CDC advises. While you spend more time at home, try to dedicate more time to playing with your dog or cat. It’s a great time to bond, teach them new tricks or focus on behavior training.

If you or someone in your family is sick with COVID-19, avoid contact with your pets — this includes petting, snuggling and smooching. If possible, have another member of your household care for your pet while you are sick, the CDC says. Also: Be sure to wear a cloth face covering if and when you are around your pet, and don’t forget to wash your hands before and after touching any animal. This helps to keep you and your pet healthy.

Here are some key actions you can take to prepare and help ensure the safety and care of your pets in case you get sick:

  • Identify a trusted person to care for your pet if you become ill or are hospitalized.
  • Make sure your pets all have proper identification. Ensure microchip information is up to date in case you and your pet are separated.
  • Keep a crate, food and extra supplies on hand.
  • Document all medications with dosages and administering instructions.
  • Keep at least one month of food and medications on hand.
  • Ensure that your pet is up to date on all of their vaccinations

If you are concerned that your pet has been exposed to the coronavirus, contact your veterinarian. Just like with people, it’s better to call first to limit the risk of exposing others to the virus.

Filed under: Blog, coronavirus, Exclusive Buyer Agency, Florida Real Estate, Home Buyer Advice, Home Buyers, home safety, Homebuyer Advice by Kim Bregman
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COVID-19 Real Estate Home Buying Process

Real Estate Process
Real Estate Process

COVID-19 Real Estate Home Buying Process

With the current COVID-19 pandemic, the federal government has labeled residential and commercial real estate as an essential business. Yet, COVID-19 has changed how real estate is conducted not only with how Realtors are showing properties but also how real estate transactions are closed.
One thing is certainly sure: being an “essential” business does not necessarily mean business as usual.
Pre-Closing
The New National Association of Realtors (NAR) guidelines follow and strictly adhere to all CDC safety guidelines. NAR supports and encourages that all brokerage firms order their agents to shelter in place and avoid all social interaction.
Such stay at home mandates and social distancing regulations have pushed real estate agents to become creative. Instead of having open houses, real estate agents are using virtual property showings, and Facebook live open houses. There are programs for customers to even design their home using digital tools, watching videos of the construction as their property is being built. Realtors are doing initial showings over video chat services like Face Time, Skype or Zoom.
Contract
Perhaps the real challenge COVID-19 poses to home buying is not necessarily shopping for the home—rather, it is closing on one.
Issues with contracts focusing on force majeure clauses, or clauses that provide for a delay or opportunity to get out of underlying obligations in the event of unforeseen or uncontrollable events have been an emerging issue during this pandemic.
The development of the COVID-19 Extension Addendum to Contract allows for time periods and dates to be extended as a result of the Corona-virus pandemic.
Closing
Once contract issues are overcome, the closing itself has evolved due to this crisis.
Make sure that you or the Seller only use an escrow and Title company that is capable of handling the closing. Specifically ask whether they use online or mobile notaries. Also determine if the local recorder’s office uses electronic recording and whether the title company is equipped to record the deed electronically.
Many documents in the closing process require a notary, and notarization is normally required to be done-in person. The Florida legislature and Governor signed into law effective January 1, 2020, a new law that allows for what is called remote online notarization (RON). This is a huge game-changer in the State of Florida, particularly in the area of real estate closings. No longer do parties all have to get together at a certain set time around the conference room and execute documents. Now, from the comfort of your own home, provided that you have your own laptop or smart phone, you can execute documents online and remotely and have those documents notarized. While the technology is new, it is not that new. It is the same technology that is used to validate your passport or driver’s license when you go through security at an airport. This validation technology is now being used for remote online notarization (RON).
If, for example, you are in another state and are closing on real estate located in Florida, or, perhaps, you are in a profession (such as being a doctor and on call) that makes it difficult to attend a closing, you can now remotely video into the closing and notarize your documents from the comfort wherever you might be. Documents are produced online for your review, and at the point that you are prepared to execute those documents, you can do so remotely. A notary is present at the time online, not physically with you, and that notary is then able to confirm and validate that you executed the documents without any duress or coercion.
There is a caveat, however, and that is that while remote online notarization, in theory, should work all over the world, it really is more of a domestic service for people within the United States. It is difficult for the technology, at this stage, to validate foreign credentials.
Appraisals and home inspections are other aspects of residential real estate closings are evolving during this pandemic. The Federal Housing Finance Agency is allowing alternative appraisal methods such as “drive by” appraisals where appraisers drive through the neighborhood and walk around a property without going into it. They are also doing “desktop” appraisals using public data to generate property values.
The loan process will likely take longer than in the past and I am encouraging my buyers to agree to no less than a 60 days closing if a loan is needed. You need to take this into consideration with your home buying timeline if you need to close on a property by a certain date.
Moving during a Pandemic
 I recently published an entire BLOG article on this subject which you can read here along with other articles that you may find informative.

Filed under: Blog, Boca Raton real estate, coronavirus, Exclusive Buyer Agency, Exclusive Buyer Agent, First Time Homebuyers, Florida Real Estate, Foreign Home Buyers, Home Buyer Advice, Home Buyers, Home Financing, home Inspections, home safety, Homebuyer Advice, House Closings, International Home Buyers, International investors, Real Estate, Real Estate Closings, Real Estate Investment, real estate news, Relocation, South Florida Real Estate by Kim Bregman
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Guidance for Moving During COVID-19

Moving with COVID-19

The novel coronavirus (COVID-19) has put a stop to the normal routines of everyday life both in the U.S. and abroad. And while social distancing is the course of action to take until told otherwise, moves aren’t always something that can wait. Real estate is considered an essential service in all states and there are many services providers to assist you in facilitating a move to a new home.

By taking extra safety precautions and minimizing social contact, you can still move safely.  If you are about to move, you can still pull it off with a little extra planning and a few precautionary steps.

Here are some tips for making your move as safe, seamless and stress-free as possible.

Moving Companies:

There have not been any notable shutdowns of service among major moving companies. That being said, decisions about closures may be left to individual franchise owners. If you have already scheduled your move and haven’t heard anything, assume that your moving company is still providing services unless told otherwise, but still call just to confirm.

If you’re worried about moving during a pandemic for a move that is still upcoming and for which you haven’t scheduled movers, it’s hard to say what will and will not be available in the months to come. For now, continue to do research on companies and ask directly what steps are being taken when you reach out. What has changed at this point is largely going to be related to the customer experience itself, including frequent hand washing among movers and no physical contact between movers and clients.

If you need to select a moving company, ask for a virtual quote and see if the company offers fully contactless service.  Forgo handshakes, for obvious reasons. A smile and a generous tip (sent through Venmo, PayPal or another contactless digital platform) are a welcome substitute. These companies have virtual estimate procedures available for competitive quotes

  • United Van Lines
  • Allied Van Lines
  • International Van Lines
  • Wheaton World Wide Moving
  • North American Van Lines

Moving companies are taking the coronavirus pandemic very seriously. To that end, companies across the country have put into place protocols designed to protect their employees and their customers. These include:

  • Following federal and local guidelines around social distancing and sanitization
  • Conducting virtual surveys instead of in-home surveys to provide estimates
  • Frequently sanitizing trucks and equipment
  • Practicing social distancing with customers and, as much as possible, among moving teams
  • Wearing masks and gloves
  • Keeping trucks stocked with hand sanitizer

All of these practices help ensure that moving services can remain available in a safe way.

Car shipping companies open during COVID-19 outbreak

Company Status Additional info
AmeriFreight Open Learn more
Montway Auto Transport Open Learn more
Sherpa Auto Transport Open Learn more
Ship a Car Direct Open Learn more
uShip Open Learn more

Interstate moving companies open during COVID-19 outbreak

Company Status Additional info
Allied Van Lines Open Learn more
American Van Lines Open Learn more
Expedia Van Lines Open Learn more
First National Van Lines Open Learn more
International Van Lines Open Learn more
Interstate Moving & Relocation Group Open Learn more
North American Van Lines Open Learn more
PODS Open Learn more
Silver Star Moving Group Open Learn more
United Van Lines Open Learn more

 

Storage Services

Same as moving companies, major storage companies continue to run operations. What you might be able to expect however is limited hours of accessibility and/or a reduction in the number of customers who are able to access their units at any one time. Storage companies should also be following proper hygiene practices, including sanitization of access pads and the requisite six feet or more of space between customer and customer and customer and employee.

Storage companies open during COVID-19 outbreak

Company Status Additional info
CubeSmart Open Learn more
Extra Space Storage Open Learn more
Public Storage Open Learn more

 

What If I’m Moving By Myself?

The process of a DIY move looks pretty much the same now as it did before COVID-19, minus the ability to have a couple friends come over and lend a hand in exchange for pizza. Some additional things that you will want to do however include keeping hand sanitizer, soap, and paper towels accessible at all times, we well as making a detailed plan for both your departure and arrival.

Major rental truck companies continue to be in service, as they are considered essential for transportation and personal mobility needs. Again, what may be different is the experience, since companies like Enterprise and U-Haul have put into place their own protocols for physical distancing. This means that your pick-up and drop-off location may not be at the branch office, and that you’ll have to make your reservation online or over the phone instead of in person.

If you rent, talk to your current landlord about how you can safely drop off keys and collect your security deposit, and talk to your new landlord about the process for a safe move in. Putting in a blueprint of steps ahead of time will help you maintain social distancing during your DIY move and answer any questions you might have about the process.

Truck rental companies open during COVID-19 outbreak

Company Status Additional info
Budget Open Learn more
Enterprise Open Learn more
Penske Open Learn more
The Home Depot Open Learn more
U-Haul Open Learn more

 

How to Prepare For Your Move

One silver lining is that social distancing means that you might have more time to devote to organizing your home prior to your move and getting rid of the things you no longer want or need. If you plan on donating items like clothing, linens, furniture, shelf stable non-perishables, etc., call the place that you would like to donate to ahead of time and see what their policies are. While many people are in need during this time, it’s likely not going be quite as easy as just driving to your nearest donation center and dropping stuff of (but that doesn’t mean you shouldn’t do it).

Junk removal companies open during COVID-19 outbreak

Company Status Additional info
1-800-GOT-JUNK Open Learn more
College Hunks Hauling Junk Open Learn more
LoadUp Open Learn more
Waste Management Dumpster Rentals Open Learn more

 

 

To prepare for a move amidst COVID-19, be sure to keep the following steps in mind:

Contact your movers

This is important to confirm your reservation and discuss best practices for moving day. Moving companies are putting in lots of safeguards to help protect their clients, and it helps to be on the same page as them in terms of what is expected.

Buy all of your supplies at once

You are going to want to get it right with just one trip to the store, so make sure you know exactly what you’re going to need for your move. Don’t use free or recycled moving boxes. The coronavirus can live on cardboard for as long as 24 hours, so now is not the time to be picking up free moving supplies from places that are recycling them. Boxes that you already have in your home are fine, but if you need any extras then you’ll need to go to the store and buy them new (even better if you can then purchase them through self-checkout). Better yet, order all your moving supplies online and have them shipped to your residence.  Clean as you pack.  Use this opportunity to sanitize your belongings, wiping items down with disinfectant. If you don’t have any, you can make one with a solution of one tablespoon bleach to one gallon of water.

Finish packing at least 24 hours before the movers arrive

Coronavirus can last a long time on surfaces, including up to 24 hours on cardboard boxes. Your movers will be wearing gloves, but for everyone’s safety you should still have your boxes packed and sitting untouched at least a day before your movers arrive.

Provide hygiene products for your movers. 

To aid your movers in following necessary hygiene practices, be sure to leave out products that they can use while they transport your items to and from the moving truck.  That includes soap and paper towels by the sink, and hand sanitizer by the door that they’ll be entering and exiting through. If you’re concerned about having enough supplies, let your moving company know so they can be sure to bring them along for use during the move.

Be transparent and flexible

In advance of your move, reach out to your neighbors — especially if you live in an apartment building — and share the date and time you plan to move. This gives everyone in your direct vicinity an opportunity to avoid unnecessary contact and let you know if your timing is a problem.

When you move into a new home, deep clean it

Be sure to deep clean and sanitize your new home before you move into it. Here are a few resources and tips to help:

CDC’s recommendations on how to clean and sanitize your home

  • Use disinfectant wipes for quick cleanings over the most high-touch areas – doorknobs, sinks, cabinet pulls, refrigerators, etc.
  • Use disinfectant sprays for areas that can’t be wiped clean. You can use Lysol, for example, on your couches and mattresses which will touch many surfaces during a move (the ground, the inside of a truck, etc.).
  • Use this CDC bleach mixture recommendation on your new tile floors. Use a disinfecting wet mop cloth on your hardwood floors As you unpack, be sure to also disinfect your computer and accessories (keyboards can get pretty gross – here’s how to clean them), your television remote controls, credit cards, wallet, and more.

If you have an extra minute, here are some additional things to consider 

  • Prioritize your internet setup. Scheduling an internet installation date at your new home is critical for staying connected to friends and family. There are 1-2 hour call wait times at cable and internet providers right now, as more and more people call to increase speeds and bandwidth. You can’t bank on getting an appointment as easily as you have in the past. Additionally, consider a high bandwidth plan to account for changes in working from home, video calls, multi-device streaming, etc.
  • Stocking your kitchen full of groceries will feel a bit different this time around. Try Shipt or Instacart, or delivery options from your local grocery store.

Additional resources:

  • While planning your move, continue to monitor the health and safety guidelines set out by the World Health Organization (WHO)and the Centers for Disease Control and Prevention (CDC).
  • For tips on infection prevention, visit gov.

Moving is stressful under the best of circumstances; this is a scary time and certainly takes moving stress to the next level.  With some planning and organization, you can relocate and stay safe even in an environment with a pandemic.

Filed under: Blog, Boca Raton real estate, coronavirus, Down Sizing, Exclusive Buyer Agency, Exclusive Buyer Agent, First Time Homebuyers, Home Buyer Advice, Home Buyers, home safety, Homebuyer Advice, House Closings, International Home Buyers, Real Estate, Real Estate Closings, real estate news, South Florida Real Estate by Kim Bregman
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How To Clean Reusable Shopping Bags

Shopping Bags
Shopping BagsWe are all being more cautious these days, but it’s always been important to take good care of the bags you use to carry your food.
As we step up our hygiene routines with more frequent hand-washing and cleaning, it’s making us start to question the cleanliness of everything. Yes, including our reusable shopping bags. And while we probably should have been regularly washing our reusable grocery bags all along, it’s certainly not too late to start.
If you’re transporting raw meat, seafood, and vegetables in your reusable shopping bags and have never washed them before, you run the risk of inadvertently cross-contaminating your groceries. Do use the plastic bags provided at the grocery store for produce and meats before placing inside your bags.
Luckily, the solution is easy: just start washing your reusable shopping bags, according to the instructions below. Then, check to make sure you’re following the dos and don’ts of reusable bag storage.
Get in the habit of cleaning your bags after every shopping trip. Here are some tips:
What You’ll Need:
·   Laundry detergent
·   Disinfecting wipes or sprays
·   Cleaning cloths or paper towels
How to wash cotton reusable bags:
The good news is that most reusable cotton and canvas shopping bags are machine-washable, just check the care label to make sure. Remove any inserts and turn bags inside out. (Clean inserts with a disinfecting spray cleaner.) Use the hottest water setting possible, along with detergent.
If you can, toss the bags in the dryer. Note: this may shrink some cotton bags slightly. Alternatively, line-dry the bag in an area with good ventilation to prevent the growth of mold and mildew.
How to wash nylon reusable bags:
1Hand wash the bag in warm, soapy water, making sure to get into the corners and crevices. You can also machine-wash the bag, but be sure to use the gentle cycle.
Line-dry the bag in an area with proper ventilation to prevent the growth of mold.
How to wash recycled plastic bags (polypropylene bags):
You probably have a stash of these exceptionally sturdy bags from Trader Joe’s and the like. Wash them by hand using warm, soapy water, and then line dry them completely before storing them away. You can also dry them with a clean towel to speed up the process.
Alternatively, wipe down the bags with disinfecting wipes and allow them to dry. You may want to turn the bag inside-out to get into the corners and remove any crumbs or grime.
The dos and don’ts of storing reusable shopping bags
·   Don’t store the bags in the trunk of your car. This dark, damp storage spot may encourage bacteria growth.
·   Do designate one specific bag for carrying raw meat. This will help prevent cross-contamination. Then, wash that bag after every use.
·   Don’t store away bags that are damp. Make sure they’re completely dry first.
·   Do a sniff test. Musty-smelling bags are a sign they should be cleaned.
·   Don’t store other items, like gym clothes or sports gear, in bags used for groceries.

Filed under: Blog, coronavirus, Exclusive Buyer Agency, Exclusive Buyer Agent, Home Buyer Advice, Home Buyers, Home Maintenance, home safety, Homebuyer Advice, real estate news by Kim Bregman
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NAEBA celebrates 25 years of exclusively serving the interests of home buyers.

NAEBA

NAEBA

PHOENIX, April 09, 2020 (GLOBE NEWSWIRE) — The National Association of Exclusive Buyer Agents (NAEBA) reached their 25th anniversary. This milestone is a major confirmation of the importance of their mission and the value their members bring to the market. In a world where it is sometimes hard to tell who is on what side, the National Association of Exclusive Buyer Agents is clear that they exist to provide exclusive fiduciary duties to home buyers. NAEBA members avoid the conflict of interests that arise when the same firm attempts to represent both buyers and sellers.

“It is incredibly validating to have reached this major milestone of 25 years. Our members are the vanguards for the standards and ethics of fiduciary duty to buyer-clients,” says Rich Harty, current volunteer President of NAEBA. “As a membership association, we support each other so that we can better serve our buyer-clients.” NAEBA’s members are a part of a community of like-minded people who understand the value of professional development, camaraderie, networking, and the strength that comes from association.

This anniversary comes with many recent initiatives and accomplishments, including:

• The launch of the Certified Exclusive Buyer Agent online program

• The incredible growth of the NAEBA leads referral system helping connect buyers with EBAs

• Ongoing development of benefits and resource sharing for NAEBA members only

“NAEBA has offered me great tools and educational experiences to enhance my career as an Exclusive Buyer Agent, business owner, and broker. I credit my attendance at NAEBA meetings and getting involved as a volunteer with helping me establish my position as a trusted expert in my market,” says Andi DeFelice, former volunteer President of NAEBA. “Membership in NAEBA is a powerful asset for my business.”

To learn more about National Association of Exclusive Buyer Agents, visit https://naeba.org/about-naeba/ The National Association of Exclusive Buyer Agents is an independent alliance of real estate professionals who provide client-level services to home buyers only and whose real estate companies do not accept seller-property listings. The members of this Association adhere to a strict code of professional ethics and professional standards which guide them in serving their buyer-clients.

Filed under: Blog, Boca Raton real estate, Exclusive Buyer Agency, Exclusive Buyer Agent, First Time Homebuyers, Florida Real Estate, Home Buyer Advice, Home Buyers, Homebuyer Advice, International Home Buyers, Real Estate, real estate news, South Florida Real Estate by Kim Bregman
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COVID-19 South Florida Resources

Quick Facts

If you live in Broward County, you can call this hotline to have your questions answered: 954-357-9500.

If you live in Palm Beach County, you can call this information line with your questions: 561-712-6400.

The Sun Sentinel posted drive-through testing sites in South Florida here.

Please be aware of financial scams. You can learn more and report them here.

Tele-Health

Medicare: Medicare has temporarily expanded its coverage of telehealth services to respond to the current Public Health Emergency. Learn more here.

Florida Blue: Florida Blue’s network of primary care doctors and specialists will be able to treat patients virtually at their normal office visit rates. Visit the Florida Blue website, the Florida Blue app, the Teladoc app, or by calling Teladoc directly at 800-835-2362.

Baptist Health: Baptist Health is offering telehealth services through its Care on Demand platform. If you or someone you know has cold or flu-like symptoms, visit here using code CARE19.

Cleveland Clinic: Cleveland Clinic Florida is encouraging the use of its Express Care Online Virtual Care services as much as possible during the outbreak. Click here for more information.

Cigna: Cigna is offering COVID-19 specific resources for enrollees. Click here for more.

Humana: Humana has agreed to waive telemedicine costs for all urgent care needs for the next 90 days. This will apply to Humana’s Medicare Advantage, Medicaid, and commercial employer-sponsored plans and is limited to in-network providers delivering synchronous virtual care. More information here.

COVID-19 Public Website and Call Center

Please visit the Florida Department of Health’s dedicated COVID-19 webpage for information and guidance regarding COVID-19 in Florida.

For any other questions related to COVID-19 in Florida, please contact the DOH’s dedicated COVID-19 Call Center by calling 1-(866) 779-6121. The Call Center is available 24 hours a day. Inquiries may also be emailed to COVID-19@flhealth.gov.

County Health Departments

If you’re concerned that you may have contracted the coronavirus, please contact your healthcare professional or county health department:

Broward County: 954-467-4700
Palm Beach County: 561-840-4500 
Miami-Dade County
: 305-324-2400

Additional Resources 

  • Centers for Disease Control and Prevention
  • Florida Department of Health
  • World Health Organization

Bank Regulators have also instructed banks and servicers to be proactive in extending help to homeowners:

  • Federal Deposit Insurance Corporation (FDIC)(link is external)
  • Office of the Comptroller of the Currency (OCC)(link is external)
  • Board of Governor of the Federal Reserve System (Fed)(link is external)

Banks have posted their own policies and ways for consumers to contact them for assistance:

  • Bank of America(link is external)
  • Capital One(link is external)
  • Chase(link is external)
  • Truist(link is external)
  • U.S. Bank(link is external)
  • Wells Fargo(link is external)

Consumer Financial Protection Bureau (CFPB)

Protect Your Credit: The CFPB is urging consumers to protect their credit(link is external) during this pandemic.
Protect Yourself Financially: The CFPB has a number of resources(link is external) focused on financial protection, both short and long term, such as paying bills, income loss, and scam targeting.  Resources include contacts for housing and credit counselors, debt collectors, and state unemployment services.

  • CFPB Director Kraninger Statement on Joint HUD-FHFA Announcement on Foreclosure and Eviction Moratorium(link is external)

Department of Labor (DOL)

DOL has provided resources for employers and workers(link is external) in responding to COVID-19 and including the impact on wages and hours worked and protected leave (these resources are primarily for businesses and employers).

Environmental Protection Agency (EPA)

Americans can continue to use and drink water from their tap as usual. EPA has provided important information about COVID-19(link is external) as it relates to drinking water and wastewater to provide clarity to the public. The COVID-19 virus has not been detected in drinking-water supplies. Based on current evidence, the risk to water supplies is low.

Federal Housing Administration (FHA)

Immediate Foreclosure and Evictions Relief for Homeowners for the Next 60 Days

The U.S. Department of Housing and Urban Development (HUD) has authorized the FHA to implement an immediate foreclosure and eviction moratorium(link is external) for single family homeowners with FHA-insured mortgages for the next 60 days. Read the full press release(link is external).

FHA Q&A Form

FHA continues to run single family business operations. FHA has created a Q&A form available on their website to keep interested parties updated on their procedures during the COVID-19 crisis. Please refer to https://www.hud.gov/program_offices/housing/sfh(link is external)  for the most current information.

Federal Housing Finance Agency (FHFA)

FHFA has instructed Fannie Mae, Freddie Mac and their servicers to be proactive in providing assistance to homeowners including forbearance. In addition, FHFA imposed a moratorium on eviction and foreclosures on mortgages backed by the GSEs:

Fannie Mae and Freddie Mac

Fannie Mae and Freddie Mac have issued similar guidance:

  • Homeowners who are adversely impacted by this national emergency may request mortgage assistance by contacting their mortgage servicer
  • Foreclosure sales and evictions of borrowers are suspended for 60 days
  • Homeowners impacted by this national emergency are eligible for a forbearance plan to reduce or suspend their mortgage payments for up to 12 months
  • Credit bureau reporting of past due payments of borrowers in a forbearance plan as a result of hardships attributable to this national emergency is suspended
  • Homeowners in a forbearance plan will not incur late fees
  • After forbearance, a servicer must work with the borrower on a permanent plan to help maintain or reduce monthly payment amounts as necessary, including a loan modification

Fannie and Freddie have also created pages with additional information:

  • Fannie Mae: Coronavirus (COVID-19) Help(link is external)
  • Freddie Mac: Foreclosure & Alternatives – Who to Contact for Help (link is external)

Internal Revenue Service (IRS)

The IRS has also created a Coronavirus Tax Relief section(link is external) on their website with updated information for taxpayers and businesses (these resources are for businesses and not specifically for consumers).

  • Tax Time Guide to Guard Personal, Financial, and Tax Information Year-Round(link is external) (these resources are for businesses and not specifically for consumers).
  • Income Tax FILING and PAYMENT Deadlines Extended: In light of COVID-19 crisis, the IRS on March 18 extended the income tax payment deadline(link is external) for individual returns (as well as all other entities) until July 15, 2020. Two days later, the IRS also extended the tax filing deadline to July 15, 2020. Additional forms do not need to be filed to qualify for these extensions

Filed under: 20 Blogs, Blog, Boca Raton real estate, coronavirus, Exclusive Buyer Agency, Exclusive Buyer Agent, First Time Homebuyers, Florida Real Estate, Home Buyer Advice, Home Buyers, home safety, Homebuyer Advice, Real Estate, real estate news, South Florida Real Estate, Uncategorized by Kim Bregman
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Virtual Home Buying Made Easy!

Virtual Homebuying

Virtual Homebuying

Gov. Ron DeSantis enacted stay-at-home orders for Florida effective April 3, but the order considers real estate an “essential service,” so Realtors may continue to operate under limits set by CDC guidelines.
Under the issued Homeland Security guidance, “residential and commercial real services” are included on a 15-page list of essential services. These cover settlement services and government offices that conduct title searches, notaries, and mortgage and recording services, as well as construction. The advisory letter was created by the Homeland Security’s Cybersecurity & Infrastructure Security Agency.
Optima Properties is able to continue to service your needs as a Buyer.
Showings:
  • In-person showings are considered a health risk. We can
Zoom, Facetime, or Skype showings
  • Online Video Tours are available on active listings currently and more are being developed every day.
Contracts:
  • Digital Signing of all Contract Documents
  • Zoom, Facetime or Skype Contract Review
Deposits:
  • Wired Earnest Money Deposits
  • Following Wire Fraud Protection ( Voice to Voice Confirmation)
Property Inspections:
  • Electronic Delivery of Inspection Reports
  • Zoom, Facetime or Skype Inspection Review
Mobile Notary:
  • Mobile Notary and Virtual Closings Now Available
House Key Delivery:
  • Non Contract Key Delivery Service Post Closing
Please contact me for all your Real Estate Related Needs.
Stay Home and Stay Safe!
‌

Filed under: Blog, Boca Raton real estate, contracts, coronavirus, Exclusive Buyer Agency, Exclusive Buyer Agent, First Time Homebuyers, Florida Real Estate, Home Buyer Advice, Home Buyers, Home Financing, home Inspections, Homebuyer Advice, House Closings, Mortgage Information, Real Estate, Real Estate Closings, real estate news, South Florida Real Estate by Kim Bregman
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How To Set Up A Home Office

Home Office

Home Office

I’ve spent more than three decades with a home office. When you work at home, even part time, you discover that a makeshift desk area on a kitchen counter or the dining table isn’t the best setup. Having a dedicated home office, even if it’s compact, makes a big difference in comfort and productivity. Having a dedicated space also serves as an important signal to those who live with you that you’re ‘at work’. Create boundaries within your home that your family members understand.
Stake Out Your Spot 
You need to pick a spot in your home with the fewest distractions, and where all the essentials (like electrical outlets and your modem) are close by. Modern WiFi is a wonderful thing but understand it can still be inconsistent in even the most tech-friendly neighborhoods. I anticipate that our connectivity speed will be further degraded by all the streaming and game-playing that is happening now, in addition to everyone trying to work from home as well……be patient and see if you can upgrade to a higher speed with your home Internet provider.
Also, try to find a spot near a window with some natural light so you don’t feel completely tucked away from the world. Think about storage and try to keep work-only items grouped together. Think outside the file box to find an organizational system that works for you; see what you can use around your home. It’s more important to give everything that has been sitting out in piles a permanent home than it is to buy new containers. Here are a few ideas for organizing your home office:
·     A grid of clipboards on the wall can make for a handy place to keep papers organized.
·     Wall-mounted cups keep frequently used supplies neat and within reach.
·     Cups and bowls borrowed from the kitchen make great desktop and drawer organizers.
·     Labeled, open-top baskets on shelves are great for people who like piles
·     Traditional files are still useful for important documents.
Set Ground Rules with the People in Your Space
Set ground rules with other people in your home or who share your space for when you work. I say “morning,” but not everyone who works from home follows a nine-to-five schedule. Yours might be a “getting started” routine at another time of day. I want my elderly parents to be able to call me anytime, but have reminded them that “after 6” is the best time to get my undivided attention. I ask other family members and friends to respect my work hours and stick with the less obtrusive email or text for non-emergencies.
Act as if you are “going to work”. Whatever your routine was when you were going to the office, try and maintain it now that you are working from home. Exercise, shower, get dressed (not pajamas), and then “go to work”. I try and avoid eating at my desk and taking a coffee break, lunch break, etc.  Use these times to reconnect with other household members and address their needs and concerns.
Think About Your Back, Feet and Shoulders 
Pick a back-friendly, ergonomic chair if at all possible and always make time for exercise (don’t forget to stretch!). I prefer to stand or walk around while I am on the phone but now that my husband is working from home as well, we find that this is distracting to one another. Go outside and get some fresh air while on that call.
Although you can easily work on a laptop from anywhere, an entire day, week, or even a month spent looking down at a screen is not going to do your neck muscles any favors. If you have the space and the budget, think about upgrading to a decent-sized computer monitor to plug your laptop into. I use two monitors so that I can multitask between emails, software applications required for my work, calendars, and more.
Most desks, chairs and monitors and still designed for the average sized man. I have made adjustments by ensuring that my monitors are at eye level. You can use boxes, books, magazines or anything you have around the house to easily accomplish this…no need to be purchasing special desks, risers, etc. If your chair is not adjustable, use pillows, etc. to ensure that you are sitting at the right height to keep your back straight. I have purchased an ergonomic cushion that provides comfort and support for my spine as well as adds two includes to my seat height.
Make Friends with Your Postal Worker or Delivery Person 
Thank goodness for USPS, UPS and FedEx!!! These people get bonuses at Christmas for their daily deliveries to my door. I have always been an online shopper for convenience and time-saving and now that I am getting deliveries for food, office supplies and more the visits to my front door have increased ( still can’t find toilet paper however).
Take the time to let your local postal worker or delivery person in your neighborhood know you’re now working from home if your work involves a lot of envelopes and packages. I have made a point in the past to have a few daily words with the drivers that frequent my home. It helps when my local delivery person knows I’m working at home and sending and receiving envelopes and packages on a regular basis.  In today’s world something as simple as leaving a note on your door explaining your situation will work and be appreciated.  My UPS driver told me a couple of days ago that I can leave the package outside my front door with a note to pick it up or if I see him in the neighborhood to just hand him the box…..no need to go out to the UPS store!!!
Pump the Brakes with Social Media
Social media can be absolute poison if you don’t limit yourself. It’s definitely good to stay on top of the news during these uneasy times, but if you allow yourself to be sucked into endless posts, you might look up at the clock and discover you lost three or four hours of your day.
I enjoy social media and participate for both personal and work reasons, but I have learned to use it wisely.  I check it before I head to my office with my morning coffee and then again at the end of the day. That doesn’t mean you can’t laugh at someone’s funny online story, or post about your favorite sports team or TV show. Just try to limit the damage during work hours.
Freshen up.
Give yourself a big pat on the back, because the hardest work is now behind you! Today is all about making your home workspace fresh and clean, so it will be a healthier, more pleasant place to spend time in.
·     Vacuum your home office from top to bottom. Use an attachment to clean window treatments, high corners and fabric lamp shades.
·     Wipe down shelves and surfaces with a damp microfiber cloth.
·     Use monitor wipes to clean your screens.
·     Use a keyboard cleaner to blow dust from between the keys or gently clean them with cotton swabs.
·     Bring in some fresh plants to help clean the air.
Straighten up your home office before you are done working each day. Bring the coffee cups back to the kitchen and completely clear your desktop.
We are all anxious and a routine will help keep our life as “normal” as possible in these difficult times. Don’t be hard on yourself if you are not as productive as when in the office. Working from home is a mindset and a discipline and cannot replace a normal work environment. It takes time, discipline and commitment to find the right balance for your personal and family needs.

Filed under: Blog, Boca Raton real estate, coronavirus, Down Sizing, Exclusive Buyer Agency, Exclusive Buyer Agent, First Time Homebuyers, Florida Real Estate, Home Buyer Advice, Home Buyers, Home decorating, Homebuyer Advice, Kim Around the Web, Real Estate, real estate news, Real estate trends, South Florida Real Estate by Kim Bregman
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Things to Improve Your Time Stuck at Home!

I have put together a few resources to “get us out in the world again” albeit visually,broaden our perspectives, hone our skills and otherwise improve our mental and physical health.
Art and Theater:
There are so many resources available on our devises and TVs for streaming and watching including UTube, PBS, and more. Here are some opportunities to bring art back into your life.
Virtual Tours of 12 Museums Around the World
Metropolitan Opera Free Streaming Nightly
Google Arts and Culture
Education:
Thought of auditing a class at a local university? These Ivy Leagues have 450 Classes you can take for free.
Online Ivy League Courses
Read the Classics Online For Free
Free Audiobooks to Read or Listen
Improved Business Skills:
Remember thinking, “I wish I had the time to?” Invest, at no charge, in improving your business skills, planning, and preparing for the future.
Free Courses from LinkedIn
Free Online Business Classes
Get Domestic:
Stuck in the house? Make the most of it.
Learn to Cook from World Famous Chefs
Free Online Sewing Classes
Free Online Home Improvement Courses
For Your Kids:
There is no lack on resources available online to assist families with continuing their children’s education and keeping them creatively occupied while being isolated and out of school. The following is just a few resources of the thousands that can be explored.
Educational Tool-Kit for Online Learning
Visit the Zoo!
NASA Kids Club
For Your Physical and Mental Health:
Let’s get in shape physically and mentally!
50 Free Online Workout Resources
Mindfulness Meditation Resources
Free Memory Games
For Your Pets:
Keep yourself and your pet occupied with a little behavior training
Free Dog Training Videos
Dog TV

Filed under: Blog, coronavirus, Exclusive Buyer Agent, Home Buyer Advice, Home Buyers, Homebuyer Advice, Real Estate, real estate news, South Florida Real Estate by Kim Bregman
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Buyer Agent Kim N. Bregman
Optima Properties
Lic. Real Estate Broker
EBA, CEBA, ABR, REALTOR, MBA, RSPS
kim@optimaproperties.com

Palm Beach and Broward Counties
561-251-7170 Cell
561-892-0937 Fax

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