67 Ravine Road
Medford, MA 02155

Ravine Road is located in arguably the best part of Medford, an enclave situated between Lower Mystic Lake and parks, yet close enough to access the amenities of West Medford Center, the commuter rail and schools, without the use of a car. This 7-room, 2.5 bath brick Colonial has been renovated for today’s lifestyle, with its open kitchen and family room. A small mudroom off the kitchen, with closet, is a convenient drop-off point for coats, boots, etc. The living room is handsome, with its wood-burning fireplace, French doors on either side, and warm natural wood to provide the perfect spot for more formal entertaining. With its generous size, the far end easily accommodates a dining room table and chairs, and serving is made easy with the doorway to the kitchen nearby. The French doors lead to a delightful office/flex room with windows all around. On the second floor, two bedrooms were combined to create a master bedroom suite, with solar tube for natural light; built-ins around the bed; a systematized walk-in closet; and full bath with shower stall. The larger of the other two bedrooms has a closet system, too. The basement is great and has a large open area that could be finished for a multitude of uses; there is a closet that would make a fab wine cellar; a newer washer and dryer; an extra refrigerator; and a bulkhead for easy outdoor access. The fenced yard with patio is large and lovely; there is a two-car garage.

82 Fresh Pond Lane
Cambridge, MA 02138

Elegant, classic 9-room brick Colonial in the prestigious Larchwood neighborhood. Welcoming foyer with marble floor leads to an office and a handsome front-to-back living room with FP, beamed ceiling and French doors. Gracious formal dining room with wainscotting. Renovated eat-in kitchen with custom painted birch cabinetry, granite counters, stainless steel appliances, and glass sliders leading to a large private deck and landscaped, fenced yard. The second floor has an alternative master bedroom with en suite full bath, two additional bedrooms and full bathroom. Entire third floor is a sky-lit, tree-top master BR suite with sitting area, lovely full bath with skylight; good ceiling height and closets aplenty. Family room in lower level, plus laundry room and extra storage. Oversized two-car garage with driveway parking. Enjoy the walking/jogging paths of Fresh Pond; the quietude of The Larches; the shops and restaurants of Huron Village and Harvard Square. A truly special offering!

March Home Tips

Hello, Everyone,

The batteries in Hoverboards can be dangerous.  Some of the companies making the batteries are incompetent, and the batteries are catching on fire or exploding.  A house in Nashville burned to the ground; fortunately the father arrived home in time to catch his 2 children as they jumped from the upper windows.  Hoverboards are not permitted on US flights or on the T.

The following information on identity theft is compliments of Janney, Montgomery, Scott:

Protect Yourself against Identity Theft

Whether they’re snatching your purse, diving into your dumpster, stealing your mail, or hacking into your computer, they’re out to get you. Who are they? Identity thieves.

Identity thieves can empty your bank account, max out your credit cards, open new accounts in your name, and purchase furniture, cars, and even homes on the basis of your credit history. If they give your personal information to the police during an arrest and then don’t show up for a court date, you may be subsequently arrested and jailed.

And what will you get for their efforts? You’ll get the headache and expense of cleaning up the mess they leave behind.

There are two types of identity theft. Account takeover is what happens when a thief gets your existing credit or debit cards (or even just the account numbers and expiration dates) and goes on a shopping spree at your expense. Application fraud is what happens when a thief gets your Social Security number and uses it (along with other personal information about you) to obtain new credit in your name.

You may never be able to completely prevent your identity from being stolen, but here are some steps you can take to help protect yourself from becoming a victim.

Check yourself out

It’s important to review your credit report periodically. Check to make sure that all the information contained in it is correct, and be on the lookout for any fraudulent activity.

You may get your credit report for free once a year. To do so, contact the Annual Credit Report Request Service online at www.annualcreditreport.com or call (877) 322-8228.

If you need to correct any information or dispute any entries, contact the three national credit reporting agencies:

1. Equifax: www.equifax.com
(800) 685-1111

2. Experian: www.experian.com
(888) 397-3742

3. TransUnion: www.transunion.com
(800) 916-8800

Secure your number

Your most important personal identifier is your Social Security number (SSN). Guard it carefully. Never carry your Social Security card with you unless you’ll need it. The same goes for other forms of identification (for example, health insurance cards) that display your SSN. If your state uses your SSN as your driver’s license number, request an alternate number.

Don’t have your SSN preprinted on your checks, and don’t let merchants write it on your checks. Don’t give it out over the phone unless you initiate the call to an organization you trust. Ask the three major credit reporting agencies to truncate it on your credit reports. Try to avoid listing it on employment applications; offer instead to provide it during a job interview.

Don’t leave home with it

Most of us carry our checkbooks and all of our credit cards, debit cards, and telephone cards with us all the time. That’s a bad idea; if your wallet or purse is stolen, the thief will have a treasure chest of new toys to play with.

Carry only the cards and/or checks you’ll need for any one trip. And keep a written record of all your account numbers, credit card expiration dates, and the telephone numbers of the customer service and fraud departments in a secure place–at home.

Keep your receipts

When you make a purchase with a credit or debit card, you’re given a receipt. Don’t throw it away or leave it behind; it may contain your credit or debit card number. And don’t leave it in the shopping bag inside your car while you continue shopping; if your car is broken into and the item you bought is stolen, your identity may be as well.

Save your receipts until you can check them against your monthly credit card and bank statements, and watch your statements for purchases you didn’t make.

When you toss it, shred it

Before you throw out any financial records such as credit or debit card receipts and statements, cancelled checks, or even offers for credit you receive in the mail, shred the documents, preferably with a cross-cut shredder. If you don’t, you may find the panhandler going through your dumpster was looking for more than discarded leftovers.

Keep a low profile

The more your personal information is available to others, the more likely you are to be victimized by identity theft. While you don’t need to become a hermit in a cave, there are steps you can take to help minimize your exposure:

·  To stop telephone calls from national telemarketers, list your telephone number with the Federal Trade Commission’s National Do Not Call Registry by calling (888) 382-1222 or registering online at www.donotcall.gov

·  To remove your name from most national mailing and e-mailing lists, as well as most telemarketing lists register online with the Direct Marketing Association at www.dmachoice.org

·  To remove your name from marketing lists prepared by the three national consumer reporting agencies, call (888) 567-8688 or register online at www.optoutprescreen.com

·  When given the opportunity to do so by your bank, investment firm, insurance company, and credit card companies, opt out of allowing them to share your financial information with other organizations

·  You may even want to consider having your name and address removed from the telephone book and reverse directories

Take a byte out of crime

Whatever else you may want your computer to do, you don’t want it to inadvertently reveal your personal information to others. Take steps to help assure that this won’t happen.

Install a firewall to prevent hackers from obtaining information from your hard drive or hijacking your computer to use it for committing other crimes. This is especially important if you use a high-speed connection that leaves you continuously connected to the Internet. Moreover, install virus protection software and update it on a regular basis.

Try to avoid storing personal and financial information on a laptop; if it’s stolen, the thief may obtain more than your computer. If you must store such information on your laptop, make things as difficult as possible for a thief by protecting these files with a strong password–one that’s six to eight characters long, and that contains letters (upper and lower case), numbers, and symbols.

“If a stranger calls, don’t answer.” Opening e-mails from people you don’t know, especially if you download attached files or click on hyperlinks within the message, can expose you to viruses, infect your computer with “spyware” that captures information by recording your keystrokes, or lead you to “spoofs” (websites that replicate legitimate business sites) designed to trick you into revealing personal information that can be used to steal your identity.

If you wish to visit a business’s legitimate website, use your stored bookmark or type the URL address directly into the browser. If you provide personal or financial information about yourself over the Internet, do so only at secure websites; to determine if a site is secure, look for a URL that begins with “https” (instead of “http”) or a lock icon on the browser’s status bar.

And when it comes time to upgrade to a new computer, remove all your personal information from the old one before you dispose of it. Using the “delete” function isn’t sufficient to do the job; overwrite the hard drive by using a “wipe” utility program. The minimal cost of investing in this software may save you from being wiped out later by an identity thief.

Be diligent

As the grizzled duty sergeant used to say on a televised police drama, “Be careful out there.” The identity you save may be your own.

Enjoy the balmy winter!  If you hear of anyone thinking of buying or selling—particularly selling—please think of me!

Best,
Bonny

February Home Tips

Hello, Everyone,

Now that winter is here and we should expect more snow, I’d like to remind you of the app called Plowz&Mowz.  Depending on your community, the high schools sometimes have organized snow-shoveling brigades and some cities and towns provide snow removal for homeowners beyond a certain age.

The fund-raising organization, Wounded Warriors, has received bad press recently.  It’s easy to google charities to check on the percentage a charity really donates to its cause.  Homes for Our Troops is based in Taunton, MA, and the last time I checked, only 10% was used for admin compared to 40% by Wounded Warriors.  Homes for Our Troops renovates and provides homes for maimed veterans.

Wondering what to do with your stack of paperback books?    Please consider donating them to operationpaperback.org, which sends “gently-used” books to our troops.

Enjoy the weekend and please remember me when your friends, family or colleagues are thinking of buying or selling.  I am grateful for your referrals.

Best,
Bonny