Greetings Virginia Real Estate Team Client Appreciation Movie Night

Each summer, the Greetings Virginia real estate sales team with Keller Williams Realty team hosts a client appreciation party to acknowledge our past clients, friends, family, and referral partners. Our real estate sales business is largely referral based from our happy past clients that refer us to their friends, families, and co-workers are in the market to Buy a Home, Sell a Home, or Invest in Real Estate.

When you buy a home or sell property with Greetings Virginia, you become a part of our GV Insider’s Club where we become your advocates for life. In addition to inviting you to great events like our annual Movie Night, we will be available to refer any resource to you that you may need in the future. Our extensive connections include close, well vetted relationships with almost any resource that you may ever need. Need a handyman or plumber or a chiropractor or massage therapist? Just pick up the phone and call us and we will introduce you. This is just another way that we provide World-class Solutions to our clients and past clients.

Members of our GV Insider’s Club enjoy invitations to free events such as Movie Night as well as our Christmas Tree Exchange and Toy Donation. In addition, we also support unwanted, abandoned, abused, or stray pets to be rescued and placed into loving homes by helping Homeward Trails Animal Rescue.

 

Check out a few photos from our last Greetings Virginia client appreciation Movie Night:

 

Some brought their kids and had loads of fun!

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Your Home Sold in 72 Days Guaranteed

Guaranteed Home Sold in 72 Days – Greetings Virginia Real Estate Sales Network

Your Home Sold Guaranteed

GUARANTEED Home Sold in Virginia

While every agent will promise to sell your home, the reality of the real estate market today is that, this simply doesn’t always happen. Needless to say, this is highly frustrating to a home seller like you. Well, we set ourselves apart from most agents by being accountable to you. In other words, we don’t just promise to sell your home, we Guarantee it. Our Sell Your Home in 72 Days campaign is as simple as this:

We guarantee to sell your home in Virginia within 72 days or we will buy it.
As you can see, we put our money where our mouth is. Instead of making you empty promises, we give you a written guarantee of performance and if we don’t live up to this agreement, you pay us absolutely nothing at all. We’re taking all the risk so you don’t have to, and this gives our many clients much greater peace of mind in the home selling process.

Want to know more? Just fill out this short inquiry and we will contact you soon.

Your Home Sold GUARANTEED!

Your Home Sold GUARANTEED!

 

 

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The Complete Guide to Decoding Laundry Symbols

Laundry Symbols Meaning

Photo: istockphoto.com

Take a look at your clothing tags before your next load of laundry. If you’re lucky, they’ll include a set of fine-print instructions for care without any confusion—but, occasionally, you’ll find little more than a handful of triangles, squares, circles, and dots. How likely are you to know the laundry symbols’ meaning, especially when some icons are distinguishable by a mere dot? Remember, the stakes are high if you can’t decipher the icons or ignore them altogether; an incorrect wash, dry,  or iron could lead to a shrunken favorite sweater or faded pair of pants. Thankfully, you have a cheat sheet. Follow this guide to common laundry symbols to keep your clothes and household linens in pristine condition.

WASHING LAUNDRY SYMBOLS

Perhaps the most important icons, these three symbols let homeowners know if a piece of clothing should be washed in a machine, hand washed, or dry cleaned.

Laundry Symbols Meaning

Photo: istockphoto.com

1. MACHINE WASH: You can throw this item into the washer with no worries. Most cotton and synthetic fabrics are machine washable, so cleaning items like jeans and T-shirts is always a cinch.

2. HAND WASH: To clean the fabric, you’ll need to hand wash with a mild detergent. Most delicate clothing requires hand washing, since machines may stretch, shrink, or otherwise damage them.

3. DO NOT WASH: Water may ruin this fabric on contact, so you’ll need to head to your local dry cleaner and leave the washing process to the pros. Some linen, silk, rayon, and wool items often require professional dry cleaning, as do some rare specialty fabrics.

 

TEMPERATURE LAUNDRY SYMBOLS

Fabrics respond in various ways to hot and cold water, so take heed of these three temperature-related laundry care symbols before you begin your next load.

Laundry Symbols Meaning

Photo: istockphoto.com

4. WASH IN COLD WATER: Some fabrics shrink in warm water, meaning you’ll want to keep them cool, whether you’re washing by hand or with a machine. Linen, silk, rayon, and wool items tend to require cold water (typically somewhere between 60 degrees Fahrenheit and 80 degrees Fahrenheit), as does cotton that hasn’t been pre-shrunk.

5. WASH IN WARM WATER: Warm water (usually around 110 degrees Fahrenheit) works best for everyday clothes in need of basic cleaning and odor removal. This symbol doesn’t necessarily mean you can’t wash them cold water; rather, it signifies that your clothes are safe in warmer water as well.

6. WASH IN HOT WATER: Hot water, which runs above 130 degrees Fahrenheit in washing machines, helps soap work more quickly and effectively—especially on stained and soiled items. That’s why hot water is preferred for towels, sheets, and other durable materials that get a lot of day-to-day use.

 

BLEACH LAUNDRY SYMBOLS

“To bleach or not to bleach” is a common question when you’re loading up the washing machine. The answer lies with three triangles, which can tell you when it’s safe and when it’s not advisable.

Laundry Symbols Meaning

Photo: istockphoto.com

7. BLEACH IS OK: Chlorine bleach effectively whitens whites, and oxygen bleach is a gentler alternative that can add an extra cleaning kick to your laundry load. Bleach is rarely safe on wool but often safe on cotton. If using any type of bleach, add a capful to your machine’s bleach dispenser; never apply it directly to the fabric.

8.BLEACH IS NOT OK: It’s not advisable to use bleach on any item that bears this symbol on the tag, since splotches or discoloration may occur. Most white cotton and synthetic fabrics are able to handle bleach without catastrophe, but if you dare go against a laundry label’s warning, beware the potential consequences.

9. ONLY USE COLOR-SAFE BLEACH: Color-safe bleach uses hydrogen peroxide as its primary ingredient instead of chlorine bleach, and it often contains other chemicals that brighten colored clothing. This symbol indicates that homeowners can safely use a hydrogen-based product on a garment, but make sure the bottle clearly states that it’s color-safe.

 

DRYING LAUNDRY SYMBOLS

To prevent winding up with a pile of ruined clothes, be mindful of your label’s drying instructions. Here are four symbols to know.

Laundry Symbols Meaning

Photo: istockphoto.com

10. TUMBLE DRY: This symbol signifies that the item can safely run through a cycle in the dryer. If the circle has one dot in the middle, low heat is preferred when tumble drying. Two dots indicate a that the item can handle a maximum of medium heat, while three dots signal that high heat may be regularly used. If the icon has no dots in the middle of the circle, homeowners can dry the garment on any heat setting. Cotton, polyester, and nylon typically require low heat, while spandex, linen, and microfiber pieces are best left to tumble dry on a cool temperature.

11. DO NOT TUMBLE DRY: Putting a “do not tumble dry” item into the dryer could ruin it entirely, so always air dry any garment with this symbol. Silk, wool, suede, and high-spandex fabrics can’t usually survive a run through the machine without losing shape.

12. DRY CLEAN ONLY: For clothes with this symbol, it’s best to leave the cleaning process to the professionals, since they may fade and shrink in your laundry machines. Many silk, wool, velvet, taffeta, and acetate items require dry cleaning.

13. DO NOT DRY CLEAN: On the other hand, some clothes aren’t meant to withstand the chemicals used in the dry cleaning process. There’s almost never a need to dry clean cotton, so the more of it that you have in your wardrobe, the less often you’ll need to make a trip to the cleaners to keep your clothing fresh.

 

IRONING LAUNDRY SYMBOLS

Most clothes come out of the dryer looking ready-to-wear, but not all fabrics are created equal. When in doubt, iron it out—unless the label tells you not to.

Laundry Symbols Meaning

Photo: istockphoto.com

14. IRON ON LOW/COOL: If your label has an iron with one dot inside, it can only tolerate cool ironing temperatures. Set your iron to its lowest temperature and test an inconspicuous corner of the fabric to see the reaction before you iron the entire piece. Generally, synthetic fabrics are best ironed with low heat and no steam.

15. IRON ON MEDIUM: An iron symbol with two dots indicates the item can be ironed with medium or average heat. Again, dial your iron to the appropriate level and test an inconspicuous patch of fabric, just to be safe. Cashmere, flannel, and silk are often ironed on a medium setting with no steam, and the garment is usually turned inside-out while being ironed.

16. IRON ON HIGH/HOT: Fabric with this label can handle an iron on its highest setting. Linen and cotton can often be ironed and steamed on maximum heat.

17. DO NOT IRON: If your laundry label has this icon, the fabric will likely shrivel and burn if you use an iron on it, even on a low setting. If you’re in need of some crease reduction, a light application of wrinkle releaser (sold in a spray bottle) is your best bet.

18. IRONING ALLOWED:  If you see this icon, you may use an iron on any setting, with or without steam.

 

Cleaning Tips for a Spotless Home

All of the Essential Cleaning Advice from BobVila.com
There’s no way around it: Keeping the house clean demands your time, your energy, and even some of your money. Fortunately, this arsenal of cleaning tips can help you finish the housekeeping more quickly—and with fewer commercially sold products.

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Water Woes: Tips for Reacting Quickly to Summer Flooding

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

Living in areas prone to summer flooding means you must take quick action if and when flooding occurs. Why? Because all that moisture can ruin your home and your belongings. While awaiting a call back from your insurance company and maybe a visit from a professional mold mitigation company, you can get started cleaning up.

Water and summer heat are breeding grounds for mold that can grow in any areas left damp after a flood. So, it’s important to follow a few tips to help ensure your home does not become a petri dish.



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Think Safety Always
You should begin cleaning up and drying out your home right away, but don’t let this urgency mean you skimp on safety. Remember, flooding means there could be mold or other bacteria growing in and on items in the home. Keep your children and pets out of the house during the cleanup process to avoid making them sick.

If your HVAC ducts got water in them, do not turn them on until you can have them inspected. They’ll need to be cleaned to remove bacteria from floodwater. Before entering your home, make sure your electricity isn’t on if you believe electrical wiring was affected by water. You should not enter the home until you’re sure there is no risk of electrocution.

You must wear a mask, gloves and some good water-resistant footwear to keep yourself and anyone working with you safe. Depending on the extent of the flooding, you may want to wear hip- or waist-high boots or waders. Don’t touch any items in the home without wearing gloves, and throw out any food that has come into contact with floodwater.





Drying Out the Home
Do you know mold can start growing in as little as 24 hours? It’s important to get in there and launch the drying process. This includes opening doors and windows to let air in and using a wet/dry vacuum to begin sucking water from carpets.

You should also invest in the equipment needed to help dry out the home. Carpeting is hard to dry out and is often an area where mold can grow quickly. Investing in a portable fan that is stackable, lightweight, and easily portable can make drying out a carpet a little quicker and easier, especially if you live in a coastal area that floods often. The key is to get air flowing through the home in order to dry out wet basements, too. You can also place fans around the house to help circulate air.

Get Damaged Items Out
Depending on the amount of water in the home, you may have water damage in the basement—but sometimes the water rises into the first floor of the house, as well. Unfortunately, this means you’ll need to throw out water-soaked belongings. This includes many items in your home, such as:


  • Carpeting and padding
  • Pillows and mattresses
  • Baby toys
  • Stuffed animals
  • Books and other paper products
  • Upholstered furniture
  • Rugs
  • Cosmetics
  • Wall coverings
  • Food items
  • Anything made of foam rubber
  • Insulation and drywall

You can usually salvage clothes — but wash them in hot water—and upholstered furniture may be salvageable if it can be professionally cleaned. Wood furniture may be saved if you quickly take it outside and remove any drawers or shelves to allow it dry out. However, keep in mind that wood does soak up water and can become moldy and unsalvageable.

Always take photos of items damaged by floodwaters for insurance purposes. To decide what to keep and what to save, consider the monetary and sentimental value. If it’s valuable to you, check with mold mitigation specialists to determine if you can properly clean the item.

Disinfect the Home
Once the home is drying out and you’ve removed all the damaged items, you can begin the disinfection process. Clean walls and floors using disinfectant cleaner and warm water. You can also use a solution of one cup of bleach mixed with five gallons of water.

Go over these areas more than once to make sure you’ve removed any bacteria and germs that may have come in with the floodwater. Sometimes floodwaters are contaminated with sewage that can make your family sick.

Prevent Future Damage
Once you’ve been through a flood, you may want to consider what steps you can take to reduce the damage next time, especially if you live in a flood-prone area.

Store your belongings up high. Instead of storing items in your basement, place them in the attic. At the very least, move them up off the floor and keep items in plastic storage bins.

Get rid of any items you no longer use. The less clutter you have, the less you’ll have to clean up should your home flood again.

While there’s not much you can do to stop acts of nature, you can jump in right away and begin cleanup to make your home safe, clean and livable as soon as possible. Have a plan in place and invest in any equipment you might need so it’s on hand and ready to clean up your waterlogged home.

For the latest real estate news and trends, bookmark RISMedia.com.

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Brown promises “hell of a fight” in Senate over CFPB arbitration rule

As expected, Senate Republicans on Thursday introduced a “resolution of disapproval” that begins the process of repealing the Consumer Financial Protection Bureau’s newly unveiled rule that bans companies from using mandatory arbitration clauses.

Twenty-three Senate Republicans filed a resolution on Thursday that would make use of Congress’ authority under the Congressional Review Act to rescind the CFPB rule.

Under the Congressional Review Act, Congress may overturn a broad range of regulatory rules issued by federal agencies by enacting a joint resolution of disapproval within 60 days of the rules being announced.

The Republican effort in the Senate is led by a number of prominent Republicans, but one of the top Democrats in the Senate is pledging a serious fight over the CFPB arbitration rule.

“Almost a year after millions of fake accounts were uncovered, Wells Fargo is still using fine print arbitration clauses to cheat those customers out of the justice they deserve,” Sen. Sherrod Brown, D-Ohio, said.

Brown is the ranking member of the Senate Committee on Banking, Housing, and Urban Affairs.

“Overturning the arbitration rule will help banks and payday lenders continue getting away with cheating customers, and I intend to put up one hell of a fight,” Brown said.

“Wall Street banks and payday lenders have armies of lobbyists and lawyers on their sides,” Brown added. “Our job is to fight for the servicemembers, student borrowers, seniors, and hardworking Americans who depend on the Consumer Financial Protection Bureau to look out for them.”

Brown’s counterpart on the Senate Committee on Banking, Housing, and Urban Affairs, Sen. Mike Crapo, R-Idaho, said that it is “incumbent” on Congress to overturn the CFPB rule.

“Members of Congress previously expressed concerns with the proposed version of the rulemaking – concerns that were not addressed in the final rule,” Crapo said.

“The rule is based on a flawed study that leading scholars have criticized as biased and inadequate, noting that it could leave consumers worse off by removing access to an important dispute resolution tool,” Crapo continued.

“By ignoring requests from Congress to reexamine the rule and develop alternatives between the status quo and effectively eliminating arbitration, the CFPB has once again proven a lack of accountability,” Crapo added. “Given the problems with the study and the Bureau’s failure to address significant concerns, it is not only appropriate but incumbent on Congress to vote to overturn this rule.”

Joining Crapo in introducing the Senate resolution are Sens. John Barrasso, R-Wyoming; Roy Blunt, R-Missouri; Shelley Moore Capito, R-West Virginia; Thad Cochran, R-Mississippi; Bob Corker, R-Tennessee; Tom Cotton, R-Arkansas; Ted Cruz, R-Texas; Mike Enzi, R-Wyoming; Orrin Hatch, R-Utah; Dean Heller, R-Nevada; Johnny Isakson, R-Georgia; James Lankford, R-Oklahoma; Jerry Moran, R-Kansas; David Perdue, R-Georgia; Mike Rounds, R-South Dakota; Marco Rubio, R-Florida; Ben Sasse, R-Nebraska; Tim Scott, R-South Carolina; Richard Shelby, R-Alabama; Luther Strange, R- Alabama; Thom Tillis, R-North Carolina; Patrick Toomey, R-Pennsylvania; and Roger Wicker, R- Mississippi.

There are now efforts in both the Senate and House of Representatives to stop the CFPB rule.

Earlier in the day, Republicans in the House introduced their own resolution of disapproval that would use Congress’ authority under the Congressional Review Act to “repeal this harmful rule and prevent the Bureau from issuing any similar rule relating to arbitration.”

The resolution is co-sponsored by all 34 Republicans on the House Financial Services Committee.

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Carson says HUD will “reinterpret” Obama fair housing rule after Republicans ask for repeal

Department of Housing and Urban Development Secretary Ben Carson said in an interview this week that HUD will look to “reinterpret” a controversial fair housing rule issued by the Obama administration in 2015.

The rule in question is the “final rule” on Affirmatively Furthering Fair Housing, which requires that cities and towns that receive federal funding to examine their local housing patterns for racial bias and to design a plan to address any measurable bias.

The rule became a target of Republicans, including Carson himself.

In a well-publicized op-ed published in The Washington Times in 2015, Carson called the rule a “social-engineering scheme” and said that the rule and the Supreme Court ruling on disparate impact are “government-engineered attempts to legislate racial equality create consequences that often make matters worse.”

Now that Carson is in charge of the government department that enforces the rule, he apparently intends to see it utilized in a different way.

In an interview with the Washington Times, Carson said this week that HUD will “reinterpret” the rule and how it is used.

From the Washington Times:

“Do I believe in fair housing? Of course, I believe in fair housing,” Carson told the Washington Examiner in a Wednesday interview. But he said he doesn’t believe in “extra manipulation and cost.”

“So we just have to reinterpret it, that’s all,” he said.

The Washington Times article said that Carson did not provide any detail how exactly the rule will be “reinterpreted,” but Carson’s statement comes just days after nearly 20 Congressional Republicans asked Carson to repeal the rule entirely.

Late last week, Sen. Michael Lee, R-Utah, and Rep. Paul Gosar, R-Arizona, led a group of Republicans who sent a letter to Carson, asking the HUD secretary to rescind the Affirmatively Furthering Fair Housing rule.

“We stand with you in opposing any and all instances of discrimination, but this rule does not actually help in that effort,” the Republicans wrote in the letter. “Instead, it would extend reach of the federal government beyond its authority and could take away state and local governments’ ability to make local zoning decisions.”

Joining Lee and Gosar in signing the letter were Sens. Richard Shelby, R-Alabama; Tom Cotton, R-Arkansas; Mike Rounds, R-South Dakota; John Barrasso, R-Wyoming; Ted Cruz, R-Texas; Steve Daines, R-Montana; Mike Enzi, R-Wyoming; James Lankford, R-Oklahoma; Rand Paul, R-Kentucky; James Risch, R-Idaho; Marco Rubio, R-Florida; John Thune, R-South Dakota; and Reps. Brian Babin, R-Texas; Andy Biggs, R-Arizona; Rod Blum, R-Iowa; Ken Buck, R-Colorado; Glenn Grothman, R-Wisconsin; and Tom Massie, R-Kentucky.

“As we have already witnessed, this rule disproportionally places a heavier burden on smaller communities who could be denied funds unless they make radical, sweeping changes to their well-established zoning laws that are compliant with the Fair Housing Act,” the Republicans continued.

“This rule simply represents a continuation of the previous administration’s radical pursuit of using disparate impact theory to punish communities that are not as demographically diverse as they would have wished,” they added.

“Moving forward, we respectfully ask that you use your authority to rescind the AFFH rule in its entirety,” the Republicans concluded. “It is critical that we pursue real, sensible reforms to reduce poverty and improve the opportunities available to lower-income citizens at the local level. We look forward to partnering with you to ensure justice and opportunity are preserved in every neighborhood across our great land.”

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Novantas names Steve Wiggins director of finance, treasury and risk

Analytic advisory services and technology solutions provider Novantas has announced Steve Wiggins has joined the company as a director of finance, treasury and risk. He will oversee the expansion of the company’s credit risk analytic capabilities.

For 15 years, Wiggins advised commercial banks and other financial services providers on quantitative risk management solutions. Prior to joining Novantas, he was a senior director with Moody’s Analytics. He served as the head of enterprise risk solutions and the head of credit risk solutions for North America.

“We are very pleased to have Steve join our team,” says Pete Gilchrist, EVP and head of finance, treasury and risk at Novantas. “As banks around the world prepare for the next twist or turn of the credit cycle, we are delighted to welcome Steve to our team of experts who help banks apply analytics to guide them through uncertain times.”

“The banking industry is in the midst of a significant change with respect to the use of data science in credit risk management and forecasting,” Wiggins said. “This wave of innovation started with the aftermath of the global financial crisis, and it continues as banks deal with increased credit risk reporting and analytic expectations, and with an uptick in default risk uncertainty. Novantas has the deep analytical expertise and understanding of the banking industry to help position institutions for the future.”

steve wiggins

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