May Decluttering Tips

(Courtesy of Home Storage Solutions)

May 2013

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How to Raise Your Credit Score

I’ve reposted blogs in the past from The Mortgage Experts in Colorado. They have one of the best financial blogs I have found. They put everything in common sense terms that everyone can understand!

Here is a great post about How to Raise Your Credit Score:

Things to do:
- Pay your bills on time. Every time you pay a bill 30 days late, it lowers your score. The more recent the late payment is, the more that late payment lowers your score.
- If you missed a payment, get current on that account. If you are past due on an account, just making the late payment – and not making the current month’s payment – will continue to lower your score.
- Keep balances low on credit cards and other revolving credit accounts.
– If your balance is more than 70% of your credit limit, it lowers your score the most.
– If your balance is 50% – 70% of your credit limit, it lowers your score a bit less.
– If your balance is 30% – 50% of your credit limit, it lowers your score even less.
– If your balance is below 30% of your credit limit, it will improve your score.
- When you review your credit report, you will see a list of things that are lowering your credit score. Work on those things to raise your score.
– The reasons your score is not perfect are listed in order, according to the impact they have on your score. Fixing the first two will raise your score the fastest.
– Credit analysis software is available to some lenders. It will tell you exactly what to do to raise your scores – it also tells you how many points your scores will go up.

Things NOT to do:
- Do not close accounts. The longer your accounts are open, the higher your score will be.
- Do not pay off old collection accounts or old charge off accounts. Paying off an account that no one is actively trying to collect will change the “date of last activity” from the old date to the current date, and lower your score, even though it is now paid off.
- NEVER pay anyone to “repair” your credit. They are only ripping you off! You can fix errors on your report by yourself – for free. Use a lender who will show you how, and who will help you – for free.

Getting a loan approved is easy – if you know what to do. The Mortgage Experts know what to do!!!

Make sure you check out our web site:

www.mtgsupportservices.com

Posted in Credit & Lending Information & Concerns, Credit Report, Credit Score, Finances, Lenders, Pre-Qualified, Real Estate, The Mortgage Experts, Uncategorized | Tagged , , , , | Leave a comment

Checking Things Off My Bucketlist

Everyone has a bucketlist, right? Or at least an idea of things you’d like to do before you die.

I do. It’s not very long, mostly because I forget to actually add to it. It is more of an “in my head” list of things.

Sometimes I do things and think, ok, well, that can be checked off my bucketlist….even though it was never actually ON the list!

I completed one of these items on Saturday, April 6th. Thanks to the suggestion by my bff & trainer Cassy, I completed my first Indoor Triathlon at Prairie Life Fitness! It consisted of 10 laps in the pool (1 lap was back and forth), 6 miles on the spin bikes, and a 2 mile run around the track.

When Cassy suggested I do the triathlon months ago (it’s a yearly thing at PLF), I got in the pool to practice. ONCE. I didn’t get into the pool again until Saturday morning. I did however practice the bike & run together. I spin almost every Friday so I wasn’t worried about that AT ALL. The rest…I was a little concerned about.
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Thankfully I caught up to Cassy on the track (she was 2 laps ahead of me), and we ran together for the majority of the race which helped me keep my pace (especially when I wanted to stop!) then she finished my last two laps with me! (LOVE her).

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I’m happy to report I finished in 46:10. I was the 3rd female finisher (out of 6) and actually beat someone (by 35 seconds) who was ahead of me for most of the race.

I won’t lie, I wanted to DIE at the end. And I was super sore the next day! I think lack of training for the swim (I did breaststroke) and spinning super fast (and of course a run afterwards), really worked my hipflexers! It’s 5 days later & I still have no desire to do another triathlon. Maybe that will change, maybe that won’t. But at least I can say I DID IT!

Thanks Cassy for the push & support!

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Posted in 2013, Bucket List, Exercise, Fitness, Friends, Health & Fitness, Jodi Danziger, Kansas City, Life in General, Resolutions, Working Out | Tagged , , , | Leave a comment

April Decluttering Calendar

(Courtesy of Home Storage Solutions)

April 2013

Posted in 2013, Cleaning Tips, Decluttering, Home Maintenance, Home Maintenance, Organizing Your Home, Real Estate | Tagged , , , | Leave a comment

March Decluttering Calendar

(Courtesy of Home Storage Solutions)

March 2012

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The Culinary Center of Kansas City — Cooking Class

Last week I was able to add a new Kansas City Adventure to my list of accomplishments. My friend Jen Trusty & I attended a cooking class at The Culinary Center of Kansas City.

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We took a class in their “Heart Healthy” series – Heart Healthy Meals in a Flash. For those that know me, I’m pretty good at following recipes, but don’t especially like to cook. (hello, who wants to cook for one?!). We had a BLAST & learned so much!

Rachel Ciordas was our amazing teacher! Not only did she give us instructions on the foods we were making, she educated us along the way. Here are just a few of the things I learned:
- Grass fed beef is higher in omega 3 & lower in calories than grain fed beef
- Look for wild salmon. Sometimes it’s better to buy frozen (in KC) since we aren’t close to the ocean
- Fennel (never had it before!) – is good for digestion, has a sweet flavor and you should cut against the “strings”
- Leeks are in the onion family (another food I’d never had used before)
- Instead of using salt (or to reduce the amount you use), add something acidic
- Salt is to enhance flavor (I found this interesting, I hardly ever use salt!)
- Cumin is very good for you
- Frozen veggies are better than canned veggies. Avoid canned whenever possible. If you must buy canned, look for something without BPA added & get no-salt added

In addition to all this great information, we made an entire meal!!!

Salmon in Pappillote (Salmon in baked paper)
This was our hand-on activity! We got into groups and worked together to cut up the ingredients (including Fennel & Leeks) & put together our meal.
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The final product was yummy!!
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Next up was Pasta with Asparagus, Peas & Arugula. You’ll be surprised to hear that I was the “assistant” on this prep. ;)
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We used goat cheese to melt into a light creamy sauce. Again, another yummy & easy meal!
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Next up was probably my favorite food of the night, Quinoa with Corn, Black Beans & Jalapenos. It was amazing!! I’m pretty sure everyone had my table went back for a second helping of this!
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Dessert was Crazy Strawberry Pazzo with Mascarpone. I am sad I forgot to snap a picture of this! It included strawberries, balsamic vinegar, biscottis & mascarpone cheese (you could also use cool whip).

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Jen & I had an amazing time! I would highly recommend taking a class at The Culinary Center….and Rachel was a fun & informative teacher!!

If you are interested in any of the recipes, please let me know! I’d be more than happy to share them with you! (jodi@jodidanziger.com)

Posted in 2013, Bucket List, Culinary Center of Kansas City, Experience Kansas City, Health & Fitness, Healthy Eating, Jodi Danziger, Kansas City, Life in General, Staycation | Tagged , , , | Leave a comment

February Decluttering Calendar

(Courtesy of Home Storage Solutions)

February 2013

Posted in 2013, Decluttering, Home Maintenance, Life in General, Organization, Organizing Your Home, Real Estate | Tagged , , , , | Leave a comment

Why Wait for Spring to Start Cleaning & Decluttering?

Two weeks ago I got an email from my friend Rachel Ellyn who along with Duane Daugherty hosts Everyday KC, an online Radio Show. She wanted me to be on the show to talk Real Estate, but more specifically, my organization tips.

I had been slacking on getting these tips onto my blog, so it was GO TIME! I searched the internet for great tips to share & started cleaning out closets with some of my own ideas. These tips are now ready (or will be) to share with you over the coming year. AND I am proud to say that so far I have FIVE bags of things to donate!!

Of course clutter for one person is decorations for another (my mom thinks my entire house is clutter – I see decorations!). I found an awesome article about the definition of clutter from The Complete Guide to Imperfect Homemaking. I have definitely been clearing out the excess in my house & it feels GREAT!!!

You can find my appearance on Everyday KC here. (I started about 15min into the show). I hope you enjoy my tips! What are some of your favorite decluttering tips?

Here’s to a more organized 2013!

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Complete Bathroom Cleaning List

Complete Bathroom Cleaning List
(Courtesy of Real Simple Magazine)

* Clean the tub and shower.
Spray with cleaner and scrub the walls and the basin in a circular motion from top to bottom. Spray the entire area with plain water to rinse off the cleaner, and wipe it down again with a damp cloth.

* Shine the mirror.
Spritz a cloth with glass cleaner or dip it in dishwashing liquid and water.

* Scrub the sink.
Wipe the sink and the vanity top with a damp cloth and dishwashing liquid or cleaner. Rinse completely and go over the area a second time. Scrub the drain with a toothbrush and scrape buildup from the joints between the sink and the counter with the edge of an old credit card.

* Disinfect the toilet.
Scrub both the inside and the outside. Or toss two antacid tablets into the bowl, let them dissolve for 20 minutes, then brush stains away with a toilet brush.

* Mop the floor.
Using a sponge and cleaner diluted in water, and starting from the farthest corner of the room, work toward the door, going left to right. Dip the mop into the bucket of cleaner, wring it out, and push it over a manageable section of the floor. Then dip the mop into a pail of clean water, wring it out, and mop the section again.

* Clean the wastebasket.
Spray both the inside and the outside of the wastebasket with all-purpose cleaner, and wipe it down with a cloth.

* Wipe down the shower rods and rings.
Use a cloth dampened with water and dishwashing liquid. Dust can build up, preventing the rings from moving smoothly.

* Do the medicine cabinet.
Empty the contents, placing them in the sink, then mist the walls and the shelves with cleaner and wipe with a cloth. Scrub any dirty areas with a toothbrush.

* Clean the cabinets.
Lightly dampen a cloth with water and cleaner, and work in the direction of the grain, from top to bottom. Rinse and repeat. Polish the knobs.

* Wipe the faucet and fixtures.
Use a cloth spritzed with cleaner. Buff with a clean cloth.

* Unclog the air vents.
Dust or vacuum with a brush attachment.

Posted in Bathroom, Cleaning Tips, Home Maintenance, Organization, Organizing Your Home, Real Simple Magazine | Tagged , , | Leave a comment

Happy New Year — 2013

Happy New YEAR!!

Yes. I know it’s January 11th. Yes. I know I’ve been a HORRIBLE blogger. I will TRY to do better. I promise.

I’ve been thinking a lot about what I would write in this first post. Of course I didn’t take notes on all of my ideas, but that will just make this a little more entertaining to write..and hopefully read.

2012 was a good year. I had the honor of standing by my friend Jennifer (Miller) Trusty as she married the love of her life. I (again) started my weight watchers journey. I continued to workout like a bad women adding crossfit to my list of exercises I love. I’m stronger both mentally & physically. I started working part-time for an attorney (I’ve learned so much). I’ve continued helping my clients find their dream home. I volunteered with HappyBottoms. ….and so much more!!

I am ready to continue all of the above and add more to my list for 2013!

Here are just a few of my goals for the year:
- Continue helping buyers and sellers. I love my clients & I love helping them find not just a house but a home.
- Get to my goal weight and MAINTAIN it.
- Run (jog) my first 5k. (I’ve done plenty but never run the entire 5k. I have succeeded in running 5 miles (on the treadmill), so I know this is possible!)
- Complete the triathlon at my gym.
- Continue to help grow the business at the Grover Law Firm (Law office I work for).
- Volunteer with HappyBottoms — helping provide diapers for Kansas City Babies
- Get back to sending monthly birthday cards to my friends & clients.
- Do Random Acts of Kindness throughout the year. (I have a few ideas up my sleeve and just sent a random gift today)
- Re-start my Kansas City “stay-cation” and experience more of the amazing things this town has to offer!

I know there are others, but this is a GREAT start. What are your goals for the year?

Here’s to an AMAZING 2013!!

Posted in 2013, Bucket List, Fitness, Health & Fitness, Healthy Eating, Jodi Danziger, Kansas City, Life in General, Networking, Pay It Forward, Real Estate, Resolutions, Social Media, Working Out | Leave a comment