Friday, January 28, 2011

but i got it on sale...

don't get me wrong...there is absolutely nothing wrong with getting something on sale...in fact...if you can get a good price on an item...more power to yah! and...especially this time of year...a great time to be out shopping for those pieces that are missing in your closet...for example...need to stock up on some cashmere sweaters? get thee to the store...soon! prices are being slashed everywhere...

but...

when i've been in the middle of helping a client with their closet...and we pull out that one...sometimes two, three or more pieces...that are hanging in the closet...most times with the big red sales tag hanging off of it...and i hear that lovely phrase come out of my clients mouth..."but i got it on sale"...les sigh...

and??

simple math 101 tells me that...if you bought something at 70 percent off and you never end up wearing it...you're not actually saving money...you're wasting it...so please...don't let the big red sales signs lure you into buying something that you know full well...does not go with anything else in your closet...is not anything close to what you would be able to wear to...____________(fill in the blank with your lifestyle)

because then...when you are out shopping...and you find that piece that is SO you...without hesitation...you will be able to buy it...and know that you saved lots of $$...especially when you take the fashion accounting approach...which works on full retail price or sale...

and of course...if you need help in deciphering what is right for you..i'm always here...

Wednesday, January 26, 2011


Buy Life Insurance or Skip It?

If you financially support only yourself, there's no need to purchase a policy.  However, if someone else relies on your income (a spouse, a child or even an elderly parent) you should have some type of life insurance in place.  If you die, the insurance money goes directly to your beneficiary tax-free, thereby helping to protect your loved ones from financal misfortune. 

Term Life Insurance

Term Life insurance provides the greatest amount of coverage for the lowest initial cost so it is a good choice if your needs are temporary or your funds are limited. Since term insurance provides coverage for a specific period of time (the "term"), you will have to choose the number of years you will need coverage. The Company pays a death benefit only if you die during that term. Some term insurance policies can be renewed at the end of the term. Premium rates may increase at each renewal date. Term insurance is useful as coverage for responsibilities that will diminish or end over time, such as mortgages or car loans. Farmers offers several Term Life Insurance options to choose from. 

Permanent Life Insurance

Permanent Life insurance coverage is useful when you anticipate a long-term need and value the option of income-tax-favored accumulation for future needs. The accumulated value can be borrowed against and, in some cases, withdrawn to help meet future goals. (Of course, accessing your accumulated value may reduce your death benefit). As long as you pay the necessary premiums, there is no time limit (or term) restriction on the availability of your death benefit.
For more information please contact
Virginia Trowbridge
650-FARMERS   
www.trowbridgeins.com
 
 
 

 
 
 
 
 
 

Thursday, January 13, 2011

Top 10 Kitchen Countertops

The other day my neighbor asked what material she should use for her new kitchen countertops. As we started talking, I realized that there was not a quick answer. There are factors of price and maintenance, not to mention personal preference. To make it easier I came up with a summary of the qualities, with pros and cons, for the top ten counter materials used today.

1. Granite
Granite has been the material of choice lately for most custom kitchens - assuming price is no object. The beauty of stone contributes to the beauty of even the most modest kitchen. It is difficult to beat for durability and ease of maintenance. Be aware that fancy edge details will drive the price up.
Pros: smooth and seamless; heat resistant; comes in a wide range of colors; very durable; has a high value to home buyers.
Cons: expensive; requires annual sealing.

2. Quartz Composite
Quartz composite engineered stone is composed of 93% quartz particles. It is available in a wider range of colors than granite and has a nonporous surface that resists scratches. It is easy to maintain, without the annual sealing required by natural stone. Some brands on the market include Zodiaq, CaesarStone, and Silestone.
Pros: smooth and seamless; heat resistant; non-porous and stain resistant.
Cons: expensive, comparable in price to granite.

3. Solid Surface
Solid surface materials are made from acrylic or polyester resin. Because they are a solid material stains, scratches, and light scorch marks can be sanded out. Some brands on the market include Dupont Corian, Formica Solid Surfaces, Avonite, and Wilsonart Gibraltar.
Pros: resilient; nonporous and nonstaining; seamless; easy to clean; repairable; durable; integral sinks possible; comes in a rainbow of colors and patterns.
Cons: vulnerable to hot pans; stains; expensive, comparable in price to granite.

4. Ceramic Tile
Ceramic tile is durable and easy to clean. Its inexpensive price tag makes it an excellent choice for the average home. Because it comes in small modules and is easy to handle it can be installed by most resourceful homeowners.
Pros: versatile; inexpensive; heat resistant; durable; wide range of price, color, texture, and design.
Cons: surface is uneven; tiles can easily chip or crack; grout lines become stained.

5. Granite Tile
Granite Tile is a good solution if you like granite but don't want to spend the money for a solid slab. Granite tile comes as large as 24" square, and can be installed without a grout joint. The exposed edges are often trimmed with wood.
Pros: same as granite; economical.
Cons: same as granite; hairline cracks between tiles.

6. Laminates
Laminate counters come by trade names such as Formica, Nevamar and Wilsonart. They are made of plastic-coated synthetics with a smooth surface that's easy to clean. This was the counter surface of choice from the 50's through the 70's, and is still the most economical.
Pros: inexpensive; relatively durable; easy to maintain; comes in a vast array of colors and patterns.
Cons: damaged by sharp objects and heat; not repairable; seams show.

7. Wood or Butcher Block
If you're looking for a sustainable material you can't get much greener than wood. A wide variety of hardwoods are used for custom wood countertops, and off-the-shelf butcher block is usually maple. Aesthetically speaking it is a beautiful, warm material.
Pros: resilient; easy to work; relatively durable; smooth; surface can be repaired; can be used as a cutting board.
Cons: can stain if unsealed; susceptible to moisture damage around sinks; will scorch; not as easy to keep clean as other materials.

8. Stainless Steel
Stainless steel is a good choice if you're going for a contemporary or industrial look, or if you want the ultimate in low-maintenance materials. There is a reason why commercial kitchens use stainless steel.
Pros: smooth and seamless; heat resistant; nonporous and nonstaining; non-chipping; easy to clean; integral sinks possible.
Cons: expensive; can dent.

9. Marble
I don't generally recommend marble for kitchen countertops because it is relatively soft and porous. If you're going to use stone, granite or another more durable stone is a better choice. Traditionally, bakers prefer marble slabs because the material keeps the dough cool. Some people just plain like the look of a classic white Carrara marble and don't mind sealing it every couple of months.
Pros: smooth and seamless; heat resistant; traditional; beautiful.
Cons: expensive; porous; stains easily unless professionally sealed; polished surface is etched by acidic foods; can scratch; needs periodic resealing.

10. Concrete
Concrete as a counter material has been trendy for the past 10 years or so. The concrete mix used for countertops should be a different mix than that used for sidewalks and building foundations. Additives reduce porosity and eliminate cracking.
Pros: versatile; durable; heat resistant; can be color-tinted; easily customized.
Cons: mid to high range on cost due to custom work; cracking is likely; can stain; porous and needs to be regularly sealed.








Wednesday, January 12, 2011

baby it's cold outside...

and "the savvy chic boutique" is going to feature coats & sweaters this coming weekend...and the best part?? all at 50% off...so come in out of the cold...and grab yourself a new coat...sweater...or two...or three...lots of styles...lots of designers...and lots of color...oh...and did i mention all at 50% off?

so grab a friend or two...and come on by...and pick up some deals on some fabulous "one of a kind" pieces...


featured items...
mara khodara from new york (european designs)
imma cashmere
designer's corner
hallet sweater art

and so much more! hope to see you!

Three Days Only

Thursday, January 13
Noon - 5 pm

Friday, January 14
Noon - 5 pm

Saturday, January 15
10 am - 4 pm

319 Primrose Rd (upstairs)
Burlingame, Ca


Tuesday, January 11, 2011

Do I Still Have My Mortgage Interest Tax Deduction?


Q: In November 2010 the Federal government discussed the possibility of not allowing homeowners to deduct mortgage interest on their taxes. Can you give me an update?

A: The National Association of Realtors (NAR) is strongly opposed to any reduction in mortgage interest deductions (MID). While critics suggest that MID mostly benefit the wealthy, statistics actually show that deductions primarily benefit middle and lower income families. (Almost two-thirds of those who currently claim the MID are middle-income earners.)

Ron Phipps, President of the NAR, says that “the ability to deduct mortgage interest payments means a significant savings at tax time. A family with a $200,000 30-year fixed rate mortgage could save nearly $3,500 in federal taxes next year.” This Federal proposal from an 18-member White House commission is being called “dead on arrival.” Still, both our national and statewide real estate associations will be watching this closely. Please let me know if you have further questions regarding this or other government policies towards real estate.

If you would like to continue to receive updates on this topic or have questions, please feel free to contact me.
Aimee Klarich
Alain Pinel Realtors- Burlingame
www.AimeeKlarich.com

Friday, January 7, 2011

The SECOND Step

Modern skincare now includes an essential new step in your beauty regimen that nestles right in between cleansing and moisturizing.







Vital ingredients that rejuvenate your skins health are found in today’s revolutionary skin care products called serums. These special treatment products provide a boost of anti-ageing ingredients that are quickly absorbed by your skin. They are designed to deliver a high concentration of active ingredients, such as Vitamin C, hyaluronic acid (plumps skin), antioxidants and hydrating vitamins.


Does your skin need a boost of anti-ageing ingredients?

In Europe, skincare serums first became popular back in the 80‘s, but our new skincare revolution has introduced both new ingredients and delivery into the skin for maximum results. Serums provide an extra layer of protection to the skin from UV damage and free-radical generation, both of which we know are ageing factors. High amounts of active ingredients really can help improve certain skincare concerns: Vitamin C for pigmentation and to increase collagen production, antioxidants to counteract environmental stress and damage and ATP to reverse cellular ageing.


Key ingredients:

  • Retinol & Vitamin C are powerful regenerative active ingredients, Retinol stimulates cellular functions to renew the epidermis. Vitamin C promotes the synthesis of elastic fibers by creating a new natural support tissue.
  • Dimethicone reinforces the hydrolipidic film (moisture level) and protects the skins surface.
  • Vitamin E is renowned for its ability to neutralize free radicals.
  • Hyaluronic Acid which holds up to 300 times its weight in water, rehydrates the cells to leave skin soft and plump.
  • ATP is a new high tech ingredient, a biological molecule that is filled with energy to stimulate the activity of skin cells which have become lethargic over time.



I recommend a serum as part of your daily routine, not just for the winter months, they are an investment for the health, rejuvenation and youth of your skin.


Your Beauty Prescription:

Cleanse, Tone, Eye Cream, SERUM, Day Cream and SPF/ Night Cream


Ask your beauty expert for a serum that suits your skin care concerns.

Wednesday, January 5, 2011

The SECOND step

Modern skincare now includes an essential new step in your beauty regimen that nestles right in between cleansing and moisturizing.


Vital ingredients that rejuvenate your skins health are found in today’s revolutionary skin care products called serums. These special treatment products provide a boost of anti-ageing ingredients that are quickly absorbed by your skin. They are designed to deliver a high concentration of active ingredients, such as Vitamin C, hyaluronic acid (plumps skin), antioxidants and hydrating vitamins.


Does your skin need a boost of anti-ageing ingredients?

In Europe, skincare serums first became popular back in the 80‘s, but our new skincare revolution has introduced both new ingredients and delivery into the skin for maximum results. Serums provide an extra layer of protection to the skin from UV damage and free-radical generation, both of which we know are ageing factors. High amounts of active ingredients really can help improve certain skincare concerns: Vitamin C for pigmentation and to increase collagen production, antioxidants to counteract environmental stress and damage and ATP to reverse cellular ageing.


Key ingredients:

  • Retinol & Vitamin C are powerful regenerative active ingredients, Retinol stimulates cellular functions to renew the epidermis. Vitamin C promotes the synthesis of elastic fibers by creating a new natural support tissue.
  • Dimethicone reinforces the hydrolipidic film (moisture level) and protects the skins surface.
  • Vitamin E is renowned for its ability to neutralize free radicals.
  • Hyaluronic Acid which holds up to 300 times its weight in water, rehydrates the cells to leave skin soft and plump.
  • ATP is a new high tech ingredient, a biological molecule that is filled with energy to stimulate the activity of skin cells which have become lethargic over time.


I recommend a serum as part of your daily routine, not just for the winter months, they are an investment for the health, rejuvenation and youth of your skin. Ask your beauty expert for a serum that suits your skin care concerns.


Happy New Year!