Out2News Real Estate

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6 Tips To Breathe New Life Into Your Home

21 Sept McGregor 2

Article by: Jennifer McGregor

Your surroundings impact your mental health. As the U.S. continues to battle the pandemic, another long winter at home could be ahead, so it’s important that your space provides the respite you  need. You may be planning on selling soon or just looking to make your current living space suit you better personally. Either way, altering your space can upgrade your home.

Check out these tips from Out2 News!

Accent Walls

Converting one side of a room into an accent wall draws attention to a specific point, expresses creativity and provides contrast. It can make a special feature like a fireplace, grandfather clock or antique pop out.

Paint one wall an entirely different color from the others. Slash it diagonally in half using two shades. Fancy it up with a zigzag pattern, stenciled pictures, checkers or polka dots. Come up with your own special design or use one of the many ideas out there.

Art Projects

Research shows that art can stimulate brain function and produce a mental healing effect. Invest in a large-scale painting, or turn a wall itself into a work of art by hiring someone to paint a mural over the whole surface or unleashing your own inner artist. You can even construct a mosaic.

Small Art Pieces

If your taste doesn't run to bigger artwork, how about filling the wall with a collection of smaller items? Tastefully arrange different-sized paintings or framed photos in one spot. Try mirrors, sconces or storage hooks for hats or coats. You could even decorate the wall by grouping together an assortment of regular items like plates, spoons, keys or candy wrappers.


When processing different colors, your brain releases various chemicals that affect you physically and mentally. Red can evoke sensations of peril, forcing your body to enter danger mode, while research shows that blue may have a calming effect. White can make a room seem bigger. Repainting your walls a different color can boost your overall mood and psychological health, and it can even boost your home’s value.


Replacing a beloved armchair that’s seen better days can be expensive, and it’s never easy to part with a favorite piece of furniture. Rather than chuck it, and opt for a new, potentially pricier item, consider having your chair reupholstered. A makeover with textured fabric or a different color can breathe new life into your furniture, and can be fairly affordable depending on your choices. Simple search forfurniture upholstery services near meto find a local shop with high ratings, strong customer reviews and a price that fits your budget.


If you are less than excited about the work of repainting, consider wallpaper. This durable alternative also comes in a variety of colors, but unlike paint, it also has a wide array of patterns to choose from, whether your taste is elegant, simple, intricate, or flashy. Peel-and-stick wallpaper means you don't have to deal with messy paste and water. It is produced with the adhesive already attached and is as easy to take off and relocate as it is to put up on the wall initially.

Walls are a constant backdrop, a fixture you skim your eyes over daily without much conscious thought, but their presence in every area of the home means their appearance can have a significant influence on your mental state. Changing them up can transform your entire environment for the better and revitalize your entire home.

Too Hot to Handle: What's Ahead for the U.S. Housing Market?

21 Sept Skyrocketing

The U.S. housing market, already strong before the pandemic, has heated up to record levels in 2021. The Case-Shiller U.S. National Home Price Index, which measures home prices in 20 major metropolitan areas, reported a 12-month increase of 18.6% in June 2021, the largest year-over-year gain in data going back to 1987.1

The National Association of Realtors (NAR), which provides more current data, reported that the national median price of an existing home was $359,900 in July, down from a record $362,800 in June. Even so, this was the 113th consecutive month of year-over-year price increases. The June to July price relief was due in part to increased supply. Total inventory of new and existing homes increased 7.3% over June, but was still down 12.0% from a year ago.2

The July 2021 NAR data suggests that the red-hot market may be cooling slightly, but prices are still extremely high, and industry experts expect them to remain high for the foreseeable future. Here's a look at some key factors behind the current trend and prospects for future direction.

Low Supply, Surprise Demand
The housing supply has been low for more than a decade. The housing crash devastated the construction industry, and a variety of factors, including labor shortages, tariffs, limited land, and restrictive permit processes, have kept the supply of new homes below historical averages, placing more pressure on existing homes to meet demand.3

The pandemic exacerbated labor problems and led to supply-chain issues and high costs for raw materials that held back construction, while demand exploded despite the economic downturn. With the shift to remote work and remote education, many people with solid jobs looked for more space, and low interest rates made higher prices more affordable.4

At the same time, homeowners who might have seen high prices as an opportunity to sell were hesitant to do so because of economic uncertainty and the high cost of moving to another home. Refinancing at low rates offered an appealing alternative and kept homeowners in place. Government mortgage forbearance programs have helped families from losing their homes but also kept homes that might have otherwise foreclosed off the market.5

Health concerns also played a part. The pandemic made it less appealing to have strangers entering a home for an open house. And older people who might have moved into assisted living or other senior facilities were more likely to stay in their homes.6

Taken together, these factors produced a perfect storm of low supply and high demand that drove already high prices to dizzying levels and created desperation among buyers. All-cash sales accounted for 23% of transactions in July, up from 16% in July 2020. The average home stayed on the market for just 17 days, down from 22 days last year. Almost 90% of homes sold in less than a month.7

Freezing Out First-Time Buyers
Recent inventory gains have been primarily in more expensive houses, and there continues to be a critical shortage of affordable homes. First-time buyers accounted for just 30% of purchases in July 2021, down from 34% the previous year.8 A common formula for home affordability is to multiply income by three — i.e., a couple who earns $100,000 might qualify to buy a $300,000 house. A study of 50 cities found that home prices in Q2 2021 were, on average, 5.5 times the local median income of first-time buyers, putting most homes out of reach.9

The lack of affordable housing for first-time buyers also helps to drive rents higher. People with higher incomes who might be buying homes are willing and able to pay higher rents. Rents on newly signed leases in July were 17% higher than what the previous tenant paid, the highest jump on record. After dropping while many young people lived with parents during the pandemic, occupancy of rental units hit a record high of 96.9%.10

Is This a Bubble?
From 2006 to 2012, the housing market plummeted 60%, taking the broader U.S. economy with it.11 Mortgage requirements were made much stricter after the housing crash, and homeowners today are more likely to afford their homes and to have more equity from larger down payments. The housing market has always been cyclical, so it's likely that prices will turn downward at some point in the future, but less likely that prices will collapse the way they did during the Great Recession.12

What's Next?
Prices are so high that some buyers are backing off, but demand remains strong and will outstrip housing supply for the foreseeable future. Some near-term relief might come if high prices inspire more homeowners to sell, and if the end of government programs puts more foreclosed homes on the market. There are more single-family homes under construction than at any time since 2007, but it will take months or years for those homes to increase the housing supply.13

The housing market tends to be seasonal, with demand dying down in the fall and the winter. That didn't happen last year, because pent-up demand was so strong that it pushed through the seasons. With the supply/demand tension easing, the seasonal slowdown may be more significant this year.14 The Federal Home Loan Mortgage Corporation (Freddie Mac) projects that home prices will grow by 12.1% in 2021, lower than the current pace, and drop further to 5.3% growth in 2022.15

Location, Location
Although national trends reflect broad economic forces, the housing market is fundamentally local. The West is the most expensive region, with a median price of $508,300 for an existing home, followed by the Northeast ($411,200), the South ($305,200), and the Midwest ($275,300).16 Within regions, there are dramatic price differences among states, cities, and towns. The trend to remote work, which helped drive prices upward, may help moderate prices in the long term by allowing workers to live in more affordable areas.

S&P Dow Jones Indices, August 31, 2021

National Association of Realtors, August 23, 2021

The New York Times, May 14, 2021

NBC News, July 6, 2021

The New York Times, August 12, 2021

Bloomberg Businessweek, August 18, 2021

NPR, August 17, 2021

The Wall Street Journal, March 15, 2021

Bloomberg, August 19, 2021

CNN Business, August 23, 2021

Freddie Mac, July 2021

21 Aug Investment Planning Group

6 Tips To Breathe New Life Into Your Home

21 Sept McGregor Home

Article by: Jennifer McGregor

Your surroundings impact your mental health. As the U.S. continues to battle the pandemic, another long winter at home could be ahead, so it’s important that your space provides the respite you need. You may be planning on selling soon or just looking to make your current living space suit you better personally. Either way, altering your space can upgrade your home.
Check out these tips from Out2 News!

1. Accent Walls
Converting one side of a room into an accent wall draws attention to a specific point, expresses creativity and provides contrast. It can make a special feature like a fireplace, grandfather clock or antique pop out.

Paint one wall an entirely different color from the others. Slash it diagonally in half using two shades. Fancy it up with a zigzag pattern, stenciled pictures, checkers or polka dots. Come up with your own special design or use one of the many ideas out there.

2. Art Projects
Research shows that art can stimulate brain function and produce a mental healing effect. Invest in a large-scale painting, or turn a wall itself into a work of art by hiring someone to paint a mural over the whole surface or unleashing your own inner artist. You can even construct a mosaic.
3. Small Art Pieces
If your taste doesn't run to bigger artwork, how about filling the wall with a collection of smaller items? Tastefully arrange different-sized paintings or framed photos in one spot. Try mirrors, sconces or storage hooks for hats or coats. You could even decorate the wall by grouping together an assortment of regular items like plates, spoons, keys or candy wrappers.

4. Paint
When processing different colors, your brain releases various chemicals that affect you physically and mentally. Red can evoke sensations of peril, forcing your body to enter danger mode, while research shows that blue may have a calming effect. White can make a room seem bigger. Repainting your walls a different color can boost your overall mood and psychological health, and it can even boost your home’s value.

5. Furniture
Replacing a beloved armchair that’s seen better days can be expensive, and it’s never easy to part with a favorite piece of furniture. Rather than chuck it, and opt for a new, potentially pricier item, consider having your chair reupholstered. A makeover with textured fabric or a different color can breathe new life into your furniture, and can be fairly affordable depending on your choices. Simple search for “furniture upholstery services near me” to find a local shop with high ratings, strong customer reviews and a price that fits your budget.

6. Wallpaper
If you are less than excited about the work of repainting, consider wallpaper. This durable alternative also comes in a variety of colors, but unlike paint, it also has a wide array of patterns to choose from, whether your taste is elegant, simple, intricate, or flashy. Peel-and-stick wallpaper means you don't have to deal with messy paste and water. It is produced with the adhesive already attached and is as easy to take off and relocate as it is to put up on the wall initially.

Walls are a constant backdrop, a fixture you skim your eyes over daily without much conscious thought, but their presence in every area of the home means their appearance can have a significant influence on your mental state. Changing them up can transform your entire environment for the better and revitalize your entire home.

Out2News is your Treasure Coast online newspaper where you are the reporter, photographer and YOU report the news! Do you have something to say, an event to a talk about? An event you would like us to have covered.

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Copyright © 2021 Out2News.com LLC. All Rights Reserved

21 Aug Buying Home Tips
20 Aug Skin Serenity Spa Logo LG

First-Time Homebuyer Tips—And Mistakes to Avoid

21 Aug Buying a Home

Article by: Elizabeth Weintraub
Homeowners who aren't familiar with the buying process can often benefit from a few first-time homebuyer tips. It can help to know what they're getting into. Steps in the homebuying process can vary from state to state and can depend on local custom, but there are basically only five: an agent, find a home, get a loan, negotiate, and get a home inspection. They don't necessarily happen in this order.

Key Takeaways
Don't schedule tours for more than seven homes at a time—your time is better spent researching the area in which you want to live and focusing on a few potential homes.

Getting preapproved for a loan will give you a better idea of what you can afford to buy, and it will make your offer more competitive.

A good buyer's agent can give you a fair expectation of how much a seller might accept for a home.

If an issue comes up during the home inspection, you can request a repair, but the seller is not generally obligated to repair it.

Hire an Agent
You don't have to hire a buyer's agent if you prefer to go to open houses or look through a mumbo-jumbo of homes online, but doing so will save you time and probably a bit of uncertainty as well.

An agent can send you listings directly from MLS that fit your parameters.

Agents often know of new listings that are about to hit the market before they do.

You can burn the agent's gas and not your own when you travel about to tour homes. Some agents will even preview homes for you.

An agent can generally spot overpriced listings and advise you accordingly.

The National Association of Realtors indicates that 16% of buyers reached out to an agent first in 2019 before doing anything else, but this is significantly less than the number who started by searching for properties online—44%. But ultimately, 89% of buyers ended up purchasing their homes with the assistance of an agent or broker.

Find a Home to Buy
Finding the right home is not always an easy task. You probably won't want to schedule more than seven homes at a time because any more than that will make your head spin.

Most buyers do a lot of research before ever stepping foot in a home. They spend an average of six to eight weeks trying to figure out where they want to live, according to the National Association of REALTORS. Most buyers end up buying a home after two or three home tours once they've selected a neighborhood.

Get a Loan
It's not always necessary to have a mortgage broker or bank lined up before buying a home, but it's smart to get loan preapproval in advance. Preapproval isn't a guarantee that you'll ultimately get the financing, but it lets you know for sure how much home you can afford.

Estimate Your Taxes Before You Buy A Home


In Photo: Jenny Fields, CFA
Martin County Property Appraiser

Article by: Jenny Fields, CFA Martin County Property Appraiser

You are all settled into your new home and in November the next year you are sent your first tax bill. It is then you realize “Wait! Why are the taxes so different from last year? “

Two things I highly recommend before buying a home:

Please read this article; and Use our Property Tax Estimator found on our website. This easy and handy tool can save you “tax-bill-sticker-shock” when you receive your first tax bill the year following your home purchase.

The reality is when you purchase a new home, the property taxes will be affected. Please do not assume that the property taxes you’re looking at online or on a Multiple Listing Service (MLS) will be the same for you. The property taxes shown are representative of what the current homeowner is paying, and not what you will pay. The reason is that the assessed value of the property you are interested in purchasing will reset to full market value on January 1. When the value resets, your property taxes may be higher than what the prior owner was assessed.

That’s why our office recommends using the Property Tax Estimator before you purchase your home. It’s easy to use and only takes minutes to calculate the range of what you may pay.

The Property Tax Estimator is located at www.pa.martin.fl.us/tools-downloads/property-tax-estimator.

The first question asks: Will you apply homestead? Answer yes or no.

Next, you are asked to enter the market value and assessed value of your current home. If you don’t know the values, go to the Real Property Search section of our website and search for the address, parcel number or last name. Click on the link to the property and then select the Value History at the top of the page. Your home’s current market and assessed values will be found there.

Finally, fill in the sale price of the new home, and select if your home is in Martin County or a municipality in the county.

A variety of results will populate including the range of what you can expect to pay in property taxes the year following your sale. This will help you calculate what your monthly mortgage may be and avoid surprises in the future.

Before you purchase a new home, please make it a point to visit our website and use the Property Tax Estimator.

Next month, learn about the “Save Our Homes Benefit.”

Connect with us through social media below:






Martin County Property Appraiser Office: 3473 SE Willoughby Boulevard, Suite 101, Stuart, FL  34994

Phone number is:  772-288-5608

Out2News.com LLC. is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com

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“YOUR" Treasure Coast Newspaper & Photo Journal

Home Insurance Rates: What to Consider Before Buying a Home

21 July Home

Article by: Shannon Page - AAA Insurance

Couldn’t be more excited about the gorgeous pool and luxurious hot tub in your dream home’s backyard? Well, just because it’s already there doesn’t mean you won’t be paying for that expensive feature. It will likely increase the premium of your homeowners insurance.

If you’re hoping to keep home insurance rates low, consider these things when shopping for a home—so you’re not surprised after you move in:

Tips for low home insurance rates: What you want already installed

21 July Tips 2

Home security devices: From dead bolt locks to home security systems, added safety features may lead to a discounted premium.

Smoke detectors: Ensuring they’re in the home is the first step—verifying they’re working properly is the second.

Mortgages come in many shapes and sizes—find the right one for you with help from AAA.

Sprinkler systems: It may be uncommon to find a house with a sophisticated sprinkler system—but if you do, you can look forward to savings.

Storm shutters: The more resistant your house is to high winds and/or natural disasters, the better.

Sump pump: This pump not only helps prevent flooding, but it also can help you save on your home insurance rates.

Tips for low home insurance rates: What you want up to date

21 July Tips 3

Appliances: Updated appliances may seem like a nice-to-have, but they actually play an important part in having a safe electrical system throughout the home.

HVAC units: Need another reason to look for an updated HVAC unit? Here’s one: There’s hardly ever a good time for your heat or air conditioning to stop working.

Moving soon? AAA Members save 12 percent on truck rentals and supplies with Penske.

Electrical systems: Outdated electrical systems can spark fires, as the wiring might not be able to handle today’s typical electricity usage.

Plumbing: Updated plumbing reduces the risk of water damage—for example, replacing a water heater can cost thousands depending on the type. Yikes.

Roofs: It’s more than the potential for leaks, but also whether your roof can sustain high winds.

Tips for low home insurance rates: What will cost you extra

21 July Tips 4

Pools and hot tubs: Not only are pools and hot tubs expensive to maintain, they’re also a liability—especially if the pool has a diving board or slide.

The costs of not having flood insurance? We crunched the numbers.

Living on the coast or in a flood area: Living in any flood zone will impact your insurance. More than 20 percent of flood claims to insurance companies come from residents in moderate- to low-risk flood zones.

Distance from a fire department: The farther you live from emergency services, the higher the possibility is for extensive property damages.

Finished basements: They’re great for extra space, but not so great for the potential of flooding damages.

Wood-burning stoves: A fire in the living room can be cozy, but it’s still a fire—indoors.

21 June Helpful Real Estate TIps

Key Takeaways

Make sure your finances are in order before you take the first step toward buying your first home. Pay off debt, and establish emergency savings.

Do your homework to learn about all the available loan types, then compare their terms to determine which is best for you.

Get preapproved for a mortgage loan so you have a good idea, going in, as to just how much you can spend to buy a home.

Find a good real estate agent who can guide you through the home-buying process and the details of closing on the deal.

21 June Buying your first Home

Accessorize Your Garden

21 May Accessorize Your Garden

There's no overstating the importance of the perfect accessory! It brings all of the elements together, enhances the entire picture, and of course, evokes the compliments. When it comes to your landscape, garden, or outdoor living area, accessories do all this and they're often functional.

You can accessorize a garden with light, sound, structure, and anything else you love. We find it charming when we see a garden that includes a beloved old dresser living its last life as a container for plants. As soon as the vintage Schwinn bicycle in my garage rusts beyond another repair, it will become a point of interest in my pollinator garden. Your imagination is the limit to what can bring out the whimsy of a garden scene!

Landscape lighting can be used to showcase a specimen or you can use twinkle lights to add ambience or romance to a gathering spot. We've also seen people hang mirrors in an enclosed porch or favorite garden spot (think the side of a shed) to throw some light around and multiply the color. The Moon is one of the most perfect light sources for a spot you enjoy after dark. Make the most of moonlight by adding some plants with light foliage or white blooms that will be visible in a dimly lit space.

Have you ever spent time in your favorite outdoor spot and asked yourself why you love it so much? I asked my family this recently and they took their time answering. In the end, everyone arrived assuredly at the same answer: it was the sounds of being outside. There's a brook running by, always sounding gentle and soothing, there is the occasional twinkling of a wind chime, there are oodles of birds with different tones and there is the breeze through the trees. You can create whatever sounds you love with a water feature, wind chimes or bells, and by inviting wildlife.

If you have a vine that's going wild on its current support, you may need to bring in a heavy duty trellis or pergola. In doing this you can add another pretty focal point by choosing one that has a decorative element. You can also hide the trellis completely if you feel it will compete with the vine that will climb it. You can use art to bring structure or height to your yard. Some of us have space for large trees, other's don't. Think about adding a sculpture or some statuary into your mix to draw the eye around or anchor it. We love to use glass elements to pull some sparkle in against the foliage, glass really stands out and looks amazing in the sunlight. Tall Shepherd's hooks with hanging baskets or chimes and colorful ceramic or clay pottery allow you to bring in colors that plants might not, especially in a shady area. Stepping stones and lights along a path do the work of leading visitors where you want them. Bird baths and bowls provide a water source for wildlife. Another thing that makes accessoriz

ing your garden so worthwhile is that the accessories are largely moveable, so you can rearrange and redecorate as you choose!

If there's a purpose you can fulfill with an accessory, go for it, but never underestimate the joy having something you simply love in your garden brings, whether it has a function or not. Some of the most charming spots are those that showcase the gardener's taste- copper turtles, sunflower tiles, a sign that says 'Weeds are Welcome' or a collection of birdhouses and bells, for instance. We would love to see what makes your garden feel like home. Send us a photo any time by replying to a newsletter and we will add your share to our Brag Board. Find more inspiration for your garden on our blog.

Out2News.com LLC. is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com

Out2News adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“YOUR" Treasure Coast Newspaper & Photo Journal

21 May Accessorize 1
21 May Accessorize 2

Things to Buy After Buying a Home

BUying things

Ironically, one of the first things homebuyers have to do is buy more things. This news comes as a shock to many first-time homebuyers, especially those who previously lived in an apartment. If you're saving up for your first home, make sure to include these in your budget along with closing costs.
Keys and Locks

After buying a home, one of your first purchases should be new door locks. You can either replace the locks or "rekey" them so that old keys no longer work. Changing locks isn't difficult to do on your own, but you can hire a locksmith if you'd rather leave it to the professionals. This is also a good time to think about a place to hide a key so you won't get locked out of your house. It's important to change locks because you don't know who has a copy of the key from the old owner. It's common for homeowners to leave keys with friends and family, and a few spare keys may still be dangling from keychains somewhere out there. Even if you're buying a new home, keys are still handed out to any contractors working on the property.


Not all appliances are "fixtures," or things that get sold along with the home. Many new home sales will include appliances, but when buying an older home, the seller may take some of the appliances. If new appliances are out of your price range, then you can buy used appliances. However, if you're considering older, relatively inefficient appliances, the initial savings of the older appliances should be compared to the long-term utility bill savings of newer appliances.

Lawn Mower

It's likely that the house you buy has a grass lawn, and if so, you will need to buy a lawn mower (or hire a gardener). The best mower for your home will depend on the size of your lawn. Consumer Reports publishes reviews that are extremely helpful when comparing brands. You can also search for used mowers on Craigslist or in your local newspaper.

Garden Supplies

Every home needs a garden hose, and don't forget about weed-whackers, shovels, and rakes, as well. You can buy basic gardening supplies like these at any major department store. Other tools to consider include a push broom, which comes in handy for sweeping your garage floor. Many brooms also have handles that unscrew, so you can use it as an extension pole with a wall sander. Depending on how much you plan on gardening, you may want to pick up extra tools like a watering can and wheelbarrow.

Tools and Repair Items

Every home needs a well-stocked toolbox. Aside from buying a toolbox itself, other essential items include:

Hammers: ball and claw
Screwdrivers: flathead and Phillips
Assorted screws and nails
Plumber's wrench
Basin wrench
Small power drill and drill bits
Staple gun
Tape measure

Measured by acres grown, grass lawns are the largest irrigated crop in the United States.

20 Aug Skin Serenity Spa Logo LG

Gorgeous in the Garden

20 July Pinders Nursery Logo

Not only is Coleus second to none when it comes to low-maintenance Summer-tolerant color, but it is also gorgeous! Coleus and its boldly colored easy-care foliage are fantastic when placed poolside because you won't have any petals to pick up. We have many cool color combinations and leaf shapes to choose from in 1 gallon pots. They have fun names like Trusty Rusty, Campfire, Wasabi, and Ruby Slippers. Coleus can tolerate a sunny spot, but like you and I, these plants will prefer at least a short break and will do great in partial sun as well.

Coleus is so very easy to propagate and this is a great project to do with children as Summer break kicks off. You can do this by taking stem cuttings from a thriving plant. Cut about three inches or so of a stem and trim about one half inch below the lowest leaves with sharp garden shears or a knife. Remove the leaves and place the trimmed stem in a pot of Marvin's Magic Mix. Keep the soil moist but not wet and allow the Coleus to root in a shaded spot. Once the roots have started to grow, you can move the new plant to a spot in your garden or into a larger container. It takes around two and a half weeks for the roots to be healthy!

Coleus likes well-drained soil and regular water. Mix Coleus into garden beds with other seasonal color or plant en masse for drama. We also love to use the Chartreuse colored one with the frilly edges (Wasabi) in containers with purples, its complementary color!

Out2News.com LLC. is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com

Out2News adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“YOUR" Treasure Coast Newspaper & Photo Journal

Deceptive Mortgage Ads

21 May 7 Mortgage 1

Article Submitted by: Florida Mortgage & Loan
If you’re looking for a mortgage either to purchase a home or to refinance, you may see or hear ads offers of low rates or payments. They may look like they are from your mortgage company or a government agency but whether you see these on the Internet, TV or they come by e-mail or in your mailbox you should be cautious. While the offers seem tempting some are terribly flawed: they don’t disclose the true terms of the deal as the law requires.

To help you recognize an offer that may be less than complete, the Florida Mortgage & Loan wants you to know the buzz words that should trigger some question marks and follow up questions so you know what information to insist on after you’ve read the ad.


Ads that tout out a “fixed” rate may not tell you how long it will be “fixed”. The rate may be fixed for an introductory period only, and that can be as short as 30 days. When you shop for a mortgage, you need to know when and how your rate, and payments, can change.

Very Low Rates

Are ads talking about a “payment” rate or an interest rate? This important detail may be buried in the fine print. The interest rate is the rate used to calculate the amount of interest you will owe the lender each month. The payment rate is the rate used to calculate the amount of the payment you are obligated to make each month. Some offers advertise a low payment rate without telling you that ie applies only during an introductory period. What’s more, if the rate is less than the interest rate, you won’t be covering the interest due. This is called “negative amortization”. It means that your loan balance is actually increasing because you’re not paying all the interest that comes due, and the lender is adding the unpaid interest to the balance you owe.

21 May 7 Mortgage 2

Very Low Payment Amounts

Ads quoting a very low payment amount probably aren’t telling the whole story. For example, the offer might be for an Interest Only (I/O) loan, where you pay only the amount of interest accrued each month. While the low payment amount may be tempting, eventually you will have to pay off the principal. Your payment may go up after an introductory period, so that you would be paying down some of the principal or you may end up owing a “balloon” payment, a lump sum usually due at the end of a loan. You must come up with the money when a balloon payment is due. If you can’t, you may need another loan, which in turn means new closing costs and potentially points and fees. And if housing prices are falling you might not be able to refinance to lower your payments.

Teaser Rates

• Mortgage rates near 30-year lows!

• Rates as low as 1%!

• You are paying too much!

• Who doesn’t want to reduce their mortgage payments?

• Loan amount $300,000 – pay only $900 per month!

Ads with “teaser” short term rates or payments like these don’t often disclose that a rate or payment is for a very short introductory period. If you don’t nail down the details in advance about your rates and payments for every month of the life of your loan, expect payment shock when the rate and payment increase dramatically.

Saving on Kitchen Cabinets

21 Mar Cabinets

When it comes to home renovations, a kitchen remodel is on the higher end of the price spectrum. One of the biggest line items in any kitchen remodel is cabinetry, which can account for up to 40% of your total budget. If you're willing to think outside the box a little, you can save yourself some money and still make a solid long-term cabinet choice.

As always: do your research
Take time to learn about the materials that separate budget cabinets from premium options.

Particleboard is the cheapest option, but it's not incredibly durable and degrades easily if it comes in contact with water.

Medium-density fiberboard has a slightly higher price tag but boasts superior quality without breaking the bank. MDF is very water-resistant and actually resists warping and expansion better than expensive hardwoods.

Solid wood cabinets are beautiful and durable when cared for properly, but they're expensive, heavy, and just as susceptible to damage from moisture and fluctuations in temperature as some cheaper options.

Consider pre-built boxes with premium doors
If you want the high-end look without the price tag, a creative option is to use premade boxes from IKEA, Lowes, or Home Depot, but order custom doors. You'll get the outward look of custom cabinets at a fraction of the cost. This is an especially smart option if the sides of your cabinets are mostly concealed by walls.

Get unfinished cabinets
You'll save money by purchasing unfinished cabinets, but you'll still have to paint or stain them. Stain is something you can do on your own, but achieving a clean paint job is tricky and may require the help of a professional. You'll have to compare costs to decide if it's worth it.

Use open shelving
If you want a new look for your kitchen but the numbers still aren't lining up, consider open shelving. When executed well, open shelves can look great, and you'll save thousands not buying cabinet uppers. Your kitchen will feel brighter and more open, but just keep in mind this option may not appeal to every potential buyer when it comes time to sell.

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Your Way-too-eager, Probably Over-the-top Early Spring Checklist

Let's face it – it's been a long winter, but brighter and warmer days are upon us. If you're the type of person who likes to be prepared, it isn't too early to gear up for lawn and garden season. Here are some tips to help you hit the ground running this spring:

21 Mar News 1

Test the content of your soil with a kit. Soil test kits are designed to determine levels of PH, nitrogen, potassium, phosphorous, and other micro/macronutrients in your soil. An accurate test will tell you how to amend your soil for optimum growing.

Disinfect any tools that will touch vegetation to prevent the spread of bacteria, fungi, and soil pathogens. Soak lawnmower blades, shovels, trowels, rakes, and pruners for 30 minutes in a solution of 10% bleach and 90% water.

Tune up your lawnmower. If you didn't already do it in the fall, drain your lawnmower of old fuel. Add fresh fuel, replace the spark plugs, clean/replace the air filter, change the oil, and sharpen the blades.

Don't ignore the supporting cast. Service your leaf blower and trimmer according to the manufacturer's guidelines. Stock up on trimmer line.

Hand tools need love too. Sharpen the edges on your pruners, clippers, and digging tools. Lubricate any hand tools that have moving metal parts, then lightly coat the metal with mineral oil to prevent rust. Sand any rough patches on wooden handles. Use linseed oil to seal the wood and prevent shrinking.

Check fittings and filters on irrigation systems. Check the rubber washers on your hoses, sprinklers, and nozzles for cracking and replace if necessary.

Clean pots and planters to remove mold, fungi, and tiny pests. Use a brush and mild soap to clean, then rinse and let dry.

Inspect lawn furniture. Check wood parts for splintering, pests, rot, and other damage. Sand and repaint/restain these parts if necessary. Inspect cushions and covers and wash if possible.

Maintain fencing, gates, and other wood features. Replace warped or rotting pieces and repaint/restain where needed.

Some of these tasks may seem over the top, but knocking them out now while the weather is still less-than-ideal will give you more time to relax during the warmer days ahead.

How to Improve Your Home With Modern Technology

21 Mar Modern Tech

Article by: Mark Baker
Days are gone when only a few people can enjoy the benefits of technology at home. Now spending a little more bucks, even an apartment owner can enjoy amazing amenities. Your house looks more organized. Even smart technology users believe that they can save time running devices. If you are too planning to improvise your home this year, then why not avail the advantages of changing technology at home.

Add Electric Fireplace
Adding an electric fireplace helps to remove your old and tiring wood-burning or gas fireplaces. You can enjoy the technology with a click from the iPhone app. A real flame fireplace with a cracking long sound will be ready to serve. You can enjoy the warmth of heath in a short time without polluting the environment. Importantly, breathtaking designs and shapes can fit anywhere and enhance your renovated house appearance.

Let the Fridge Help
Even a modern kitchen seems incomplete without smart refrigerators. A large smart screen on the refrigerator can allow you to see what is inside the fridge. If the door is kept open, a system alert lets you know and asks you to take steps. The best part, the voice recognition system helps you to display delicious recipes. Therefore, you can watch and cook simultaneously. Apart from this, measuring conversations to remind the grocery list helps you to give reminders.

Protect Your House
Keeping your house secured is the responsibility of every homeowner. Installing smart locks at the door and cameras for surveillance is becoming essential these days. You can also look for a smart security system that contains doorbell cameras to keep an eye on the front porch. You can check unwanted activities in your house from anywhere as these systems alert the homeowner with an alert system too.

Add a USB Charger in a Snap
In the electric age, one charger supporting all devices is not a surprise. It helps to save space and handle other device charges. So, install a cool gadget at home and allow all devices to work smoothly. Even if there is no receptacle replacement needed, you can port the USB charger and plug it anywhere. It is easy to install and plates overage protect from electric shocks. Therefore, if you have kids and pets at home you can live stress-free.

Go with Smart TV Selection
Now no more need to struggle with traditional televisions and watching the same content. Adding smart TV in your living room is a luxurious choice to add value to your home. You can watch unlimited content from the internet, cable, and other sources. Even there is no need to add an extra system for playing games. Smart tv is enough to meet all your requirements at one destination. Modern TV works through mobile apps and voice control smart speakers, therefore, no need to worry about the lost remote control

Bottom Line
The addition of technology products can turn your common house into a contemporary house. Therefore, do not leave any opportunity to impress your guest and you too from availing the benefits of emerging technology. The best part these technology changes keeps your house safe and secure.

Out2News.com LLC. is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

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4 Ways to Save Money When Selling a House

21 Jan selling a home

Everybody likes to save money and we all know that it usually costs quite a bit to sell a house including commission costs and any advertising. Surprisingly enough, those that sell with a real estate agent actually save more money than trying to sell it themselves. Here are four ways to save money when you sell a house.

4 Ways to Save Money When Selling a House
This might sound counterintuitive since most homeowners will pay a commission to the buyer's agent and the listing agent in order to get the home sold. But on average, the use of a real estate agent will actually save the homeowner over $1000 or more than if they had sold at themselves. Why is this? Because most homeowners price their home either to low or they price it too high and then have to drop the price so dramatically over a long period of time that they end up selling it for far lower than they ever expected to in the first place. This usually includes the cost they would have spent if they used a real estate agent plus commissions.

Think of it this way; if you think your home is worth $350,000 and you want to sell it yourself you would list it at $350,000. If that list price is too high compared to the market analysis you will have to drop the price little by little until you finally get an offer. Most of the time homeowners will drop the price further than they ever thought possible just to get the home sold at the end of it all. This home might eventually sell for less than $300,000. The home may be valued at $350,000 but a qualified real estate professional would start it at about $330,000. This might be $20,000 lower than your original starting price and you may have to pay a commission of $18,000, but you still would be saving about $2000 overselling it yourself at $300,000. Plus you won't have to worry about the hassle of advertising, listing on the local MLS and all the time and energy put into advertising and marketing your home yourself.

More: How Clean Should You Leave a Home When You Move Out?

Compete with local model homes and neighboring open houses.
You don't have to spend thousands of dollars on professional staging when you can simply tour model homes in the area that have already spent thousands of dollars catering to today's buyers. Take pictures, make notes, and get an idea of color and layout that might work in your home. If you're unsure about what works for your particular floor plan you might simply pay for a consultation rather than a full-on staging project. This could save you several hundred dollars over professional staging by just offering tips and strategies for your particular furnishings and layout.

Negotiate your terms and price.
Too many sellers give in all to quickly when it comes to negotiating for terms and prices. If you really want to get more out of the home negotiate so that it benefits both parties. Let's say you're listing your home at $350,000 and the buyer comes along offering $330,000. You know that the home has not sat on the market for very long so you may have a good chance at counter-offering. You can offer $340,000 and see if they take it. If they come back at $335,000 you can offer $338,000 with maybe an incentive of a home warranty. Don't neglect to negotiate as long as you keep it fair and unemotional. It's when insults and backbiting enter into the negotiating that nobody gets what they want. Talk to your listing agent about the best way to negotiate for your price saving you money along the way.

Negotiate your agent's commission.
So many sellers don't realize that the commission is negotiable. Although the standard is between 5% - 7% you can always negotiate. Consider unique negotiating such as a 3% for the listing agent and 2.5% for the buyers agent or vice versa. You might be surprised as to what your listing agent will agree to especially if you're really trying to stay within a budget.

A Guide to Maintaining Your Home

21 Jan House Care

From summer vacations to winter holidays, it seems each season offers the perfect excuse to put off our to-do list. But be careful, homeowners: neglecting your home’s maintenance could put your personal safety—and one of your largest financial investments—at serious risk.

In no time at all, small problems can lead to extensive and expensive repairs. And even if you avoid a catastrophe, those minor issues can still have a big impact. Properties that are not well maintained can lose 10 percent (or more) of their appraised value.

The good news is, by dedicating a few hours each season to properly maintaining your home, you can ensure a safe living environment for you and your family ... and actually increase the value of your home by one percent annually!

Use the following checklist as a guide to maintaining your home and lawn throughout the year. It's applicable for all climates, so please share it with friends and family members who you think could benefit, no matter where their home is located.


Conduct Annual Spring Cleaning

Shut Down Heating System

Tune Up A/C

Check Plumbing

Inspect Smoke Alarm and Carbon Monoxide Detectors


Inspect Perimeter of Home

Clean Home’s Exterior

Clean Gutters and Downspouts

Seed or Sod Lawn

Plant Flowers

Mulch Beds

Fertilize Lawn

Inspect Sprinkler System

How to Handle a Burst Pipe and Minimize Damage

21 Jan Burst Pipes

Article by: Brentnie Daggett

Burst pipes can be one of the most costly maintenance issues you'll face as a property owner. A burst pipe suddenly flooding your kitchen can quickly become an out-of-hand emergency that could cost you thousands of dollars in damage. A quick and accurate response is key to resolving the issue and mitigating both damage to your property and your out-of-pocket cost.

Steps to Take Ahead of Time

If you own property in an area that experiences cold weather, you need to be aware of seasonal maintenance tasks that will help you protect your property as the weather changes each year. One of the most important steps is to winterize your pipes to ensure they won't freeze or burst when the temperature drops. This includes action items like insulating any exposed pipes, detaching garden hoses and covering outdoor faucets. If the weather gets cold enough, you may even consider leaving a faucet dripping or opening cabinet doors during the coldest parts of the day.

No matter how prepared you might be, accidents and emergencies still happen. You'd be wise to set up a savings account specifically for your property so you have a "rainy day" fund set aside for unexpected expenses. All homes—regardless of age, location or condition—will inevitably need some form of emergency repair.

Steps to Take for a Burst Pipe

Water damage claims are the second most common insurance claim in the U.S. When you're dealing with a frozen pipe, the water continues to expand as it freezes, which creates pressure that can cause a pipe to burst. When this happens, the crack or leak in the pipe allows water flow from the pipe to enter your home where it shouldn't. If a pipe does burst, you need to act quickly to mitigate property damage and repair cost.

Your very first step should be to shut off your main water supply to minimize flooding—typically the most expensive damage to address.

Once you've shut off the water supply, make sure you identify the entire area that has been impacted by the leak. Remove as much water as possible—as quickly as possible—using a mop, sponges, towels or a shop vacuum or wet/dry vacuum.

To prevent long-term damage due to moisture build-up, run a dehumidifier or fan in the affected area.

Contact a licensed plumber to ensure the pipe is correctly repaired before running any water to that section of the home again.

How to Help Maintain a High Credit Score

20 Dec Credit Score

During the holiday shopping season, your credit score is probably the last thing on your mind. But as you start your seasonal spending, remember to use credit wisely so you can start the new year with a healthy credit score. The following tips can help you maintain or potentially improve your credit score throughout the holidays and beyond.

Know how your credit score is calculated. The most common credit score is expressed as a three-digit number ranging from 300 to 850. (Some lenders may calculate it differently, but this should be a good guideline.) The score is derived from a formula using five weighted factors: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and types of credit in use (10%).1 Keeping these components in mind can help you stay on track with your credit.

Make payments on time. Set up alerts for every credit card you have so you don't miss notifications of charges, statements, or due dates. To help avoid missed payments, set up automatic payments. If you do miss a payment, contact the lender and bring the account up-to-date as soon as possible.

Keep credit-card balances low. If you carry a balance, consider paying down the cards with the highest balance-to-credit limit ratio first while keeping up minimum (or higher) payments on others. Don't "max out" your available credit.

Be careful about opening and closing accounts. Some retailers may offer discounts on purchases if you sign up for a store credit card, but store cards often have high interest rates and low credit limits. Unless you plan on shopping regularly at that store and the card offers useful bonuses or discounts, avoid applying for new credit cards solely to save money on purchases. Likewise, try not to close multiple accounts within a short period of time — this could actually hurt your credit score.

Research before using credit boosting services. You might be tempted to sign up for a free service that promises to instantly boost your credit score, but they're usually only worth considering if you have a thin credit file and/or a low credit score. These services can't fix any late payments you've made or reduce the impact of an excessive level of debt.

Monitor your credit report regularly. You can order a free credit report annually* from each of the three major consumer reporting agencies at annualcreditreport.com. If you find incorrect information on your credit report, contact the reporting agency in writing, provide copies of any corroborating documents, and ask for an investigation.

20 Dec Landwersiek
Mar United Way of MC Logo

Renovation Terms and Their Definitions

20 Nov Real 2

Planning to carry out some renovations in your home? If so, you can be excused for getting lost among the numerous phrases, words, and acronyms that make up the rich language of renovation. With that in mind, let’s try to clear things up a bit.

A blueprint is a mechanical drawing made by an architect to illustrate the layout of a building, its dimensions, access points, as well as materials that will be used, and more. In the old days, they were printed on blue paper, while the drawing itself had white lines — which is where their name comes from. Nowadays, they are available in digital formats as well, and blueprints, floor plans and drawings are often used interchangeably.

Building Inspector
Building inspectors are employed by the government to ensure that any remodeling, renovation and construction work is done in accordance with local legislation. It is their job to check that health and safety measures are met, that plumbing and electrical work is compliant with local codes, and that any work done on the building is in line with zoning and building code regulations. They can also decide to put your renovation on hold until the inspection has been carried out and all work is approved.

Building Permit
A building permit is an official approval granted by your local governmental agency that allows you to perform renovation or construction work on your property. Whether you need a building permit in order to go ahead with your project depends on the scope of the renovation, as well as where you live. You may or may not need one, so make sure to check with your local authorities in advance.

Also known as ‘general contractor’, this is the person you hire to oversee your renovation project. A contractor will coordinate the renovation and provide a quote on the cost and timeframe as well as handle the actual work. General contractors often hire subcontractors to take care of specific tasks, such as plumbing, electrical, and so on. All contractors you work with should be licensed and, ideally, insured.

Typically used when referring to windows, the term is used for a closed unit made out of two (sometimes three or four) panes of glass that are separated either by vacuum, or inert gas. Double-glazed can also be applied to doors made with similar types of glass panes. Windows and doors made with double-glazed glass units provide your home with better insulation, both when it comes to heat and cold, as well as sound.

A fixture is a relatively loose term used to describe items that are set firmly in place, and are usually attached to the exterior of a wall. Examples of fixtures include anything from chandeliers to landscaping plants that have taken root in the soil. In renovation, they commonly refer to items such as taps, handles, sinks and bathtubs, even built-in ovens. Meanwhile, items that are attached using screws or nails, such as paintings, are referred to as ‘fittings’.

Sometimes appearing under GFI, this is an acronym for ‘ground fault circuit interrupter’. This is a device that breaks an electrical circuit in order to protect you from harm if exposed to stray electrical current. According to the National Electrical Code, GFCIs are required in all homes, in areas such as bathrooms, kitchens, garages, laundry rooms, and other areas where a water source is present.

An acronym for ‘heating, ventilation and air conditioning’. HVAC systems are essential for ensuring thermal comfort in your home, and should be inspected and maintained regularly.

A commonly used material in woodworking and carpentry, MDF stands for ‘medium-density fiberboard’. It’s sturdier than particle board, but weaker than plywood, and it’s commonly used for furniture, such as shelves and cabinets. It’s also easier to work with due to the fact that it doesn’t chip easily, making it ideal for sawing and drilling into. Although there have been some concerns regarding the effects of MDF on human health, due to the use of formaldehyde resins, MDF is not banned in the US.

Although ‘renovation’ and ‘remodeling’ are often used interchangeably, they don’t mean the same thing. Generally speaking, renovating means updating or upgrading a room without changing its purpose — for example, applying a new coat of paint on the wall. Remodeling is a more ‘invasive’ process, and it often implies remaking or repurposing a room. For example, you can remodel a kitchen by changing the layout of electrical and plumbing fixtures, on top of adding new cabinets. Remodeling is also more generally expensive than renovating, and it’s not always suited for a DIY project. Also, there’s a good chance that you will need to obtain a permit for remodeling, but not for renovation.

8 Amazing Ways to Brighten Your Home During Winter

20 Nov Real 1

Remove Mesh and Solar Screens
One of the best ways to brighten your home in winter is to use as much of the available natural light as possible. And, given the fact that there are no flies or mosquitoes around to bug you, now is a good time to remove mesh screens from your windows. The same applies to solar screens which, like mesh screens, make your home darker. While you’re at it, make sure to give the windows a clean as well — you will see the results instantly!

Go for Light Curtains
Speaking of window treatments, the right curtains can also be used to make your home brighter. If you have dark curtains, you can swap them for brighter colored ones, going for pastel colors, or even plain white. Drapes are a great way to add another layer of insulation to your home, so don’t ditch them just yet. Instead, go for something on the lighter end of the palette.

Use Light Slipcovers and Carpets
Like curtains and drapes, the color of your furniture and the flooring can also impact how bright your home looks in winter. Of course, changing your sofa to match the season is somewhat unfeasible, but using a brightly colored slipcover also does the trick. In fact, you can even use a white or pastel colored blanket to achieve the same effect, while also increasing the coziness of the room. Don’t forget about carpets: light colors will once again help brighten your room, on top of giving the illusion of space.

Swap Your Light Bulbs
With winter on your doorstep, you’ll find yourself switching the lights on earlier each day, so using the right light bulbs matters. Many homes use ones that have a yellow glow, and while they do make your home feel warmer, they are also darker than light bulbs that come in cooler tones. If you want to keep the cozy feel as well as brightening your home, consider swapping them for light bulbs that are between 2700K and 3000K. You can also go for ‘full spectrum’ CFL lights, which are better at emulating natural light.

Light Some Candles
Sometimes, embracing the darkness that comes with the winter nights might just work out for the best, especially if you’re going for a hygge atmosphere. This is where candles come into play, creating a soft light on top of making your home feel warm and cozy. Using scented candles will further add to that feeling, or, if you have respiratory problems or want to eliminate fire risks, feel free to use battery powered ones instead.

Bring out the String Lights
Don’t wait until Christmas to deck your halls with lots of string lights. Just like candles, they can brighten up your home, while also adding a touch of cozy, festive feel to your décor. String lights are remarkably versatile, and they come in a wide array of shapes, length and color, suitable for any room. Not only that, but they’re also easy to put up, and you can use them to highlight any part of your home. They look stunning when hung along ceilings or curtain poles, or even just along windowsills or shelves. You can even use a string of small, battery powered lights placed in a jar as a night light.

Reflect the Light Using Mirrors
Both practical and gorgeous, mirrors are a timeless piece of home décor. Not only do they make a room look spacious, but they will also make it brighter by reflecting any existing light. Mirrors work wonderfully especially if you have a room with a blank wall, and you need some inspiration for wall art decorations. As with paintings, make sure that the frame of your mirrors also matches the colors and overall theme of the room

Create a Summer Oasis with Houseplants
Nothing can lift your spirits amidst all the snow and gloomy weather quite like seeing a bit of greenery. Houseplants can brighten your home in any season, but they have a much greater impact in winter. Tropical plants such as miniature palms, Monstera or Philodendron will definitely give your home a summer vibe, or you can go for flowering plants such as African violets, begonias or azaleas for a spring look. In fact, some houseplants bloom in winter, such as cyclamens, Christmas cactus or poinsettias, making them perfect for whisking those winter blues away.


The Pros and Cons of Different Styles of Doors

20 Oct Doors

Article by: John State

New exterior doors not only give your home a fresh and updated look, they can also significantly reduce your utility bills. Modern, energy-efficient materials mean your new doors can pay for themselves over time.

Entry Doors

Wood is a popular choice among homeowners for a high-end look, but it tends to be expensive and require significant maintenance with annual painting and/or staining needs to maintain its appearance.

Steel has a reputation for being inexpensive, secure, and long-lasting, but it tends to have a shorter life span and dent more easily than wood and fiberglass. A steel door will usually last only ten years on average in a high-humidity environment, and both wood and fiberglass are able to outlast that life span.

Fiberglass doors are virtually maintenance-free and have available finishes that can mimic the appearance of high-end wood. They feel lightweight but are durable and can last from 15 to 20 years, and include an energy-efficient foam core, which means they insulate well against heat loss.

Sliding doors don’t require additional space to open; they slide on a compact set of tracks that stack on each other to open up your indoor living space to the outdoors. However, you can only open a sliding door halfway, they tend to be noisy when opening, and some people find their weight difficult to maneuver.

A set of French doors provides a traditionally elegant entrance into your home, provides a high-end look, and can open the entire width of the door frame for maximum ventilation. They require floor space to open, and this might make them an undesirable option for a small or cramped location.

Bifold doors are easy to install and maintain, versatile enough to suit a modern or traditional design aesthetic, and include multiple locking points for enhanced security. The downsides are that they include a lot of frames that partially obstruct views and don’t include a threshold. They also may need to stack inside your home, which might intrude on your living space.

Lift and slide doors operate differently than sliding doors – you turn a handle downward to lift the door panel up from the track and the door rolls on heavy-duty wheels to allow opening with little effort. A lift and slide door isn’t able to open invisibly, unless you install a wall pocket, as panels must stack on top of each other as the door opens. They also allow you to control the size of the opening, for customized ventilation and quick entry and exit.

19 Oct Benay Flyer

Need to Replace Your Roof?

20 Oct Roofs


Article by: Lisa Braton

Perhaps one of the biggest (and often most nerve-wracking) home improvement projects you can undertake is a roof replacement. Not only is a roof replacement one of the more expensive home improvement projects, according to Angie’s List, it can also be one of the most disruptive to your everyday life. That is not to say you should not replace your roof if it is showing signs of disrepair, as the benefits far outweigh the perceived headaches. The good news is that headaches can be avoided and your roof replacement can remain stress-free if you take the time to answer these six important questions first.

How Long Do I Want My New Roof to Last?
Most modern roofs last anywhere between 10 and 50 years, depending on the composition and quality of the materials you use. Roofing materials that routinely last 50 years or more are going to be more expensive than materials with a considerably shorter lifespan. It is a good idea to take longevity into account when establishing your budget, as it is an investment that you may need to repeat if you intend to live in your home for a long time.

What is the Best Material to Use?
There are a variety of roofing materials on the market, including asphalt, metal, clay, plastic polymer, concrete, metal and cedar. Each option has vastly different lifespans, insulation levels, weight and cost. A qualified and experienced roofing contractor can help advise you on your options and which is the best material to suit your home, style and budget.

Can the Roofing Frame I Currently Have Support My New Roof?
While you might like the look of clay tile, you need to consider whether your current roofing frame can support the heavy weight of clay. It is vital you ensure that the frame is adequate for the proposed load of the new roof. Again, the right roofing contractor will be able to help ascertain if your desired roofing material will work within your existing frame.

Do I Have the Best Offer?
The price of a new roof depends on many factors, which is why it is vital you do your homework and get a quote from more than just one roofing contractor. It is also wise to check the background and reputation of the contractors you are considering. Yelp, Angie’s List, Houzz, Facebook and Home Advisor are all great places to look for reviews from existing clients that demonstrate a proven track record of successfully completed projects. Be wary of contractors that offer low bids, as they are often using cheaper materials and labor to cut corners, which will cost you more in the long-run.

Does the Old Roof Need to Come Off?
While it is possible to avoid the cost of removing an existing roof by having a contractor lay the new materials right on top, you need to confirm that the roofing frame can hold the additional weight of this new layer. If you do choose to remove the existing roofing materials, do not forget to factor in the extra cost for labor and disposal and additional time required.

Roofing Insulation and Ventilation – is it Important?
While a lot of time and emphasis is often placed on the roofing material, it is also important to take into consideration insulation and ventilation. When replacing your roof, it is often the best time to consider installing proper insulation. The additional and easy access to your roof and attic can be very helpful to an insulation contractor. The benefit of proper insulation is that it will more effectively regulate the temperature of your home, which saves money on utility bills while also increasing your comfort. At the same time, make sure you get a detailed description of your contractor’s proposed ventilation plan. Not considering the ventilation of the roof can lead to serious problems down the road, including mold, condensation problems, ice damming and more.

7 Signs That It’s Time To Replace Your Windows


Article by Kelly Brown

It’s not always easy to determine if it’s time to replace your windows. For most homeowners, it’s clear: your windows might be old and drafty, or they could be original to your home. However, for some homeowners, it might not be as obvious. In fact, your windows might not have any noticeable signs that it’s time for them to be replaced. In that case, how do you know your windows need to be replaced? Our window replacement experts compiled a list of warning signs you need to be aware of before you start your project.

If you notice condensation between your windowpanes, we highly recommend replacing your windows. Moisture between the panes of glass is a telltale sign your seals have failed – an issue that isn’t easily fixed. If you notice seal failure, you might be able to replace the panes of glass; however, you’ll need to contact your window manufacturer for more information. In most cases, your windows will need to be replaced to fix the issue. Replacement windows from Window Nation are built with top-of-the-line window glass to ensure your windows remain condensation-free for years to come.

Drafts are one of the most noticeable signs it’s time to replace your windows. Your old windows often become drafty over time, allowing the comfortable air from inside your home to escape. You might feel the air from outside in your home when you stand close to your windows, or you might notice higher energy bills. Energy loss through old, drafty windows accounts for nearly one third of your heating and cooling costs – start saving money by upgrading your old, drafty windows with modern replacement windows from Window Nation.

Hot to the Touch in Warmer Weather
Outdated replacement windows are often single pane with little protection from the warm air outside. If you notice your windows are hot to the touch in the summer, your windows are most likely poorly insulated. We recommend upgrading your windows with modern, well-insulated replacement windows to prevent the hot summer air from entering your home.

Cold to the Touch in Colder Weather
Insulation issues only get worse in the winter – if you notice your windows are cold to the touch in cooler weather, you’ll need to upgrade your windows. Modern replacement windows are well-insulated to keep your home comfortable even in the coldest of temperatures. Well-insulated windows are particularly important in colder areas like Boston, Kansas City or Indianapolis – if you notice your windows are cold to the touch, we recommend meeting with an exterior design consultant at Window Nation to discuss our replacement window options.

Cracked or Broken Window Frames
A small crack in your window frame might not be the most urgent issue; however, it’s important to fix the cracks before they spread. If you catch a crack early enough, you might be able to repair the crack with no issues. However, if the crack continues to spread, it might be time to replace the window.

Cracked Windowpanes
Unlike cracked window frames, a crack in your windowpanes is a major issue that needs to be addressed. Cracked windowpanes aren’t just unsightly: they could spread and cause bigger problems for your home’s energy efficiency. You could replace the cracked pane with replacement window glass; however, in some cases, it’s best to replace the entire window. If your windows are more than fifteen years old or original to your home, window replacement could save you money in the long run.

Outdated and Unsightly Windows
Sometimes your windows might function well, but they look old and outdated. If your home needs a curb appeal boost, we recommend replacing your windows with modern replacement windows from Window Nation. Our windows are custom-made to fit your home’s needs. We offer a variety of style and color options, so you can find the perfect fit for your home.

5 Steps to Finding Your Next Home

20 Aug FL Mortgage and Loan
20 Aug 5 Steps

Whether you’re a first-time buyer or a seasoned homeowner, shopping for a new home can feel daunting. In fact, 56% of buyers said that “finding the right property” was the most difficult step in the home buying process.

Buying a home is a significant commitment of both time and money. And a home purchase has the power to improve both your current quality of life and your future financial security, so the stakes are high.

Follow these five steps—and complete the corresponding worksheet offered below—to assess your priorities, streamline your search, and choose your next home with confidence.

Set Your Goals and Priorities

The first step to finding your ideal home is determining WHY you want to move. Do you need more space? Access to better schools? Less maintenance? Or are you tired of throwing money away on rent when you could be building equity? Pinpointing the reasons why you want to move can help you assess your priorities for your home search.

Don’t forget to think about how your circumstances might change over the next few years. Do you expect to switch jobs? Have more children? Get a pet? A good rule of thumb is to choose a house that will meet your family’s needs for at least the next five to seven years. Be sure to set your goals accordingly.

Determine Your Budget

Many financial professionals recommend following the “28/36 Rule” to determine how much you can afford to spend on a home. The rule states that you should spend no more than 28% of your gross monthly income on housing expenses (e.g., mortgage, taxes, insurance) and a maximum of 36% of your gross monthly income on your total debt obligations (i.e., housing expenses PLUS any other debt obligations, like car loans, student loans, credit card debt, etc.).

Of course, the 28/36 rule only provides a rough guideline. Getting pre-qualified or pre-approved for a mortgage BEFORE you begin shopping for homes will give you a much more accurate idea of how much you can borrow. Add your pre-approved mortgage amount to your downpayment to find out your maximum purchasing potential.

Choose a Location

When it comes to real estate, WHERE you choose to buy is just as important as WHAT you choose to buy.

Do you prefer a rural, urban, or suburban setting? How long of a commute are you willing to make? Which neighborhoods feed into your favorite schools? These decisions will impact your day-to-day life while you live in the home.

Another important factor to consider is how the area is likely to appreciate over time. Choosing the right neighborhood can raise the profit potential of your home when it comes time to sell. Look for communities that are well maintained with high home-ownership rates, low crime rates, and access to good schools, desired retail establishments, and top employers.4

Decide Which Features You Need (and Want) in a Home

Start with the basics, like your ideal number of bedrooms, bathrooms, and square footage. Do you prefer a one-story or two-story layout? Do you want a swimming pool?

Keep in mind, you may not find a home with all of your “wants,” or even all of your “needs” … at least not at a price you can afford. The reality is, most of us have to make a few compromises when it comes to buying a home.

Some buyers will opt for a longer commute to get a larger, newer home in the suburbs. Others will sacrifice hardwood floors or an updated kitchen so that their kids can attend their desired school.

If you’re faced with a tough choice about how or what to compromise in your home search, return to STEP 1. What were your original goals and motivations for moving? Reminding yourself of your true priorities can often provide the clarity that you need.

Meet with a Real Estate Agent

A good real estate agent can remove much of the stress and uncertainty from the home search process. From setting goals to securing a loan to selecting the best neighborhood to meet your needs, they will be there to assist you every step of the way.

No one has more access to home listings, past sales data, or market statistics than a professional agent. And although we’ve listed it here as STEP 5, the reality is, it’s never too early (or too late) to contact an agent about buying a home. Whether you plan to buy today, next month, or next year, there are steps you can (and should) be taking to prepare for your purchase.

What to Look for When Buying a House

20 Sept Buying a Home a

Article courtesy: Zillow

While everybody knows that buyers shop based on price range, there are many additional considerations to make when looking for a home. And, most buyers end up refining their criteria once they start touring homes. Ultimately, your home criteria should depend on your personal lifestyle and needs. Regardless of what you’re looking for, here are some general rules you should follow to make sure you’ll be happy with the home you buy for the foreseeable future.

What are the top features buyers look for in a home?

Neighborhood wants and needs for buyers

Safety: 82% say a neighborhood that feels safe is very or extremely important

Walkability: 60% say it’s very or extremely important

Preferred neighborhood: 56% say it’s very or extremely important

Proximity to shopping, services and/or leisure activities: 53% say it’s very or extremely important

Optimal commute to work or school: 52% say it’s very or extremely important

Offers a sense of community or belonging: 48% say it’s very or extremely important

Close to family and friends: 46% say it’s very or extremely important

In preferred school district: 43% say it’s very or extremely important

Home Features Buyers Want

Within initial budget: 83% say it’s very or extremely important

Air conditioning: 78% of buyers say it’s very or extremely important

Preferred number of bedrooms: 76% of buyers say it’s very or extremely important

Preferred number of bathrooms: 67% of buyers say it’s very or extremely important

Private outdoor space: 67% of buyers say it’s very or extremely important

Preferred size/square footage: 67% of buyers say it’s very or extremely important

Floor plan/layout that fits preferences: 67% of buyers say it’s very or extremely important

Six Important Questions to Ask Yourself

1. Search for the right price

2. Prioritize the location

3. Think long term

4. Assess property condition

5. Don’t focus on minor cosmetic details

6. Stick with your must-haves

Benefits to Moving to the Treasure Coast

19 July Von Ohlen Photo 1

Many people are seeing the benefits of moving to the Treasure Coast. There is something different for everyone to enjoy and plenty of things to keep you busy. For those that want to relax and enjoy the beautiful beaches, parks and outdoor activities the Treasure Coast is a great choice. Many waterfront properties for sale throughout the Treasure Coast bring Florida living into beautiful reality. You can choose to live on the beach in a condo, townhouse or mansion. Or you can buy a large single family home on the St Lucie River which affords homeowners boat dockage and unlimited fun in the sun.

Treasure Coast Lifestyle
If you are visiting the Treasure Coast for the first time you may be overwhelmed by the number of outdoor activities are available. However, there's so much to do indoors as well. Many folks want to be near shopping, 5-star dining and more. We have some amazing Golf and Country Club communities where you can eat, be social, play outdoors, workout and even eat out all within the security of guard gated access. Places like Evergreen Club in Palm City offer 1 acre home sites and very unique homes. They are built around a world-class golf course that resident members have unlimited access to. If you are on a budget, but still want an amazing value in Martin County then Emerald Lakes in Stuart is a great choice. Here you will find townhouses and single family residences that are a bargain. The community is run by a healthy HOA and the fees are really low (under $250 per month)

Then for those who enjoy being out on the water, our many Yacht Clubs on the Treasure Coast offer amazing memberships. You can even choose to buy a home within a Yacht Club and have year-round access to the water.

How to Create Your Ultimate Outdoor Kitchen

20 July Outdoor Kitchen a

Article by: Natalie Wise

Create a beautiful outdoor cooking space for relaxing and entertaining all summer long.

As summer approaches and temperatures start to rise, no one wants to spend time inside sweating over a hot stove. With an outdoor kitchen, you can make the most of the beautiful warm nights by spending them with your friends and family.

Whether you have thousands to spend or a just few hundred to splurge, create your own outdoor kitchen and enjoy all it has to offer.

Upgrade your grill
A rusty, dusty grill doesn’t inspire lingering outdoor evenings. Upgrade your outdoor grill and take care of it all year round for a stand-out outdoor kitchen. A standard grill will cost you $150 to $300, and top-of-the-line outdoor ranges may be upwards of $1,500.

Before buying the biggest and best grill, consider how you will use one. Will you be feeding the whole soccer team? Or perhaps grilling some steaks for a romantic dinner for two? Look for a grill with features you will actually use and not just the latest trends.

Enhance your seating
If your basics are up to date, then you’ll want to upgrade your patio furniture and seating options too. If you plan on dining outside often, invest in an actual dining table and appropriate chairs. Eating a gourmet dinner off your lap downgrades an otherwise luxurious experience.

If you’re looking for more versatile pieces, sleek contemporary options coordinate nicely with most outdoor kitchen setups. Expect to spend a good chunk of change on quality furniture, but remember: With the proper care and maintenance, it can last as long as high-end interior pieces. Make sure you have a plan for the off-season, whether that’s moving outdoor furniture to indoor storage or securely covering it to protect it from the elements.

Add the extras
Want a prep sink? Wine fridge? Ice machine? Built-in smoker? You got it. The sky’s the limit when it comes to custom additions — or rather, your budget is the limit. Think carefully about your space before making a wish list.

Perhaps a full chef’s kitchen won’t quite fit in your backyard, but a beautiful wine fridge and some extra counter space are just what you need to take your outdoor kitchen to the next level.

Some features require installing or extending utilities (think: water or electricity), so don’t forget about portable additions such as a bar cart — which adds class without hassle.

Make it comfortable
Think about how you will provide amenities to make being outdoors comfortable, such as shade, heat (if using your space year-round), and perhaps even a few extras like a TV or audio equipment.

Tucking the seating close to the house may help you take advantage of a porch or awning. Otherwise, structures such as a light-strung pergola add shade during the day, light at night and atmosphere all the time.

If you have the room, the addition of a fireplace allows for a longer entertaining season. Outdoor kitchens don’t have to be just for summer, after all.

If you like to have some indoor comforts while enjoying your beautiful outside oasis, television and music can be connected outside — although it can be expensive. Bluetooth or portable speakers, a projector and a large sheet, or even an old-fashioned radio are more budget-sensitive options for those looking to add a little fun to their outdoor space.

Apply your own style
Create an outdoor kitchen that suits your style and taste. If you’re working with an existing space, be sure to embrace the style and play up the features, such as dark wood, stone and classic columns.

If you’re starting from scratch, take a look at your indoor design and see what features you like. Then consider incorporating those color schemes, design styles or even furniture shapes into your outdoor kitchen.

While you can’t go wrong designing your outdoor space, consider designs and colors that are versatile so you’re not limited if you want to mix things up in the future.

Make it yours
Your outdoor kitchen should be a comfortable, relaxing space for entertaining or unwinding after a long day of work. Make yours an escape that works for you.

When planning your outdoor kitchen, think about adding one or two small luxuries that will make you excited to enjoy your space. These can be as small as pretty tea lights scattered around or as large as a wood-burning pizza oven.

What Is a Property Manager Responsible For?

20 June Property Mgnt

Article by: Erin Eberlin

If a landlord wants help taking care of the daily responsibilities at their rental property, he or she can hire a property manager. A property manager can be hired for one simple task, such as collecting rent, or can be completely responsible for the operations at the rental property.

Here are seven important roles a property manager can take on.

Responsible for Managing Rent

Collecting rent is a basic responsibility of any landlord. Therefore, it is one of the most common jobs a landlord will pass on to a property manager. A property manager's rent responsibilities could include:

Setting Rent: The property manager would set the right rent level to attract tenants to your property. To determine the rent range, the property manager will look the market where the property is located and analyze comparable properties in the area.

Collecting Rent:

The property manager will set up a system for collecting rent from tenants. To ensure optimal cash flow they will set a date to collect rent each month and strictly enforcing late fees.
Adjusting Rent: The property manager can increase the rent each year, according to individual state and/or municipal law. They can also decrease the rent if they feel it is necessary.

Responsible for Managing Tenants

Managing tenants is another core responsibility of a property manager. The property manager may be involved in finding and screening prospective tenants, managing daily complaints and maintenance issues and handing tenant move outs and evictions.

Finding Tenants:

Property managers are responsible for filling vacancies. They will advertise the rental and create a compelling ad. They also understand what attracts tenants, so they can offer tips to help makeover the property.

Screening Tenants:

Property managers should have a consistent screening process, including running credit checks and criminal background checks, which can decrease your chances of tenant turnover. Experienced property managers have seen hundreds, even thousands, of tenants, so they have a better idea of how to select the right tenants; those who will pay their rent on time, have a longer tenancy and create fewer problems.

Handling Leases:

This can include setting the lease term and making sure it has all the necessary clauses to protect the owner. This includes determining the amount of security deposit required.

Handling Complaints/Emergencies:

The property manager may deal with maintenance requests, noise complaints and handling emergency situations.

Handling Move Outs:

When a tenant moves out, the manager is responsible for inspecting the unit, checking for damages and determining what portion of the security deposit will be returned to the tenant. After move out, they are responsible for cleaning the unit, repairing any damages and finding a new tenant.

Dealing With Evictions:

When a tenant does not pay rent or otherwise breaches the terms of a lease, the property manager understands the proper way to file and move forward with an eviction.

Maintenance and Repairs Roles

The property manager must keep the property in safe and habitable condition. Property managers are responsible for the physical management of the property, including regular maintenance and emergency repairs.

Property Maintenance:

This includes performing preventative property maintenance to keep the property functioning in top condition. For example, they are personally in charge of, or must hire someone to, exterminate, check for leaks, landscape, shovel snow and remove trash. This maintenance aims to keep current tenants happy and attract new tenants.


When there is an issue, the property manager must fix the problem or hire someone else to do it. They often have a large network of reliable plumbers, electricians, carpenters and other contractors.5

Knowledge of Landlord-Tenant Law

Good property managers have an in-depth knowledge of statewide and national laws regarding the proper ways to:

Screen a Tenant
Handle Security Deposits
Terminate a Lease
Evict a Tenant
Comply With Property Safety Standards

Supervising Responsibilities

Other Employees:

If there are other employees in the property, such as a concierge or security personnel, the property manager is responsible for making sure they are doing their job. The property manager can set their salaries and even fire them.

Vacant Properties:

Property managers are often hired to look after vacant properties to make sure there has been no vandalism and to perform routine maintenance. They also make sure contractors and other repairmen are completing their work in a timely manner.46

Responsible for Managing the Budget/Maintaining Records

Property managers can be responsible for managing the budget for the building and for maintaining all important records.

Managing Budget:

The manager must operate within the set budget for the building. In certain emergency situations when the occupants (tenants) or physical structure (investment property) are in danger, they may use their judgment to order repairs or likewise without concern for the budget.
Maintaining Records: The property manager should keep thorough records regarding the property. This should include all income and expenses; list of all inspections, signed leases, maintenance requests, any complaints, records of repairs, costs of repairs, maintenance costs, record of rent collection and insurance costs.

Things to Ask and Look Out For When Viewing a House

20 June Things to ask

Article by: Jessica Sweet - Contributing Writer for Out2News

We’ve just spent the past few weeks viewing multiple properties while trying to find our dream home and the first thing that really surprised me was the fact you are usually shown around by the vendor as opposed to the estate agent.

What to Look For
Signs of damp, including looking behind furniture. Damp usually manifests in areas where there’s lots of water vapour so bathrooms, kitchens, dining rooms, utility rooms and areas where the vendors may have been drying clothes

What’s parking like?
Is there enough room for the number of vehicles you have? Is there off road parking? Try visiting in the evening to see if you’d need to park far away from the house

Where is the sun shining and at what time?
It’s preferable to have a garden that’s south facing but it’s a good idea to visit the house at different times of the day to see what rooms get what light and when.

What is mobile signal like in different rooms of the house?
Sounds small but this can be infuriating if you find out that you can’t make mobile phone calls unless you are at the very far end of the garden

Visit at different times of the day to see what the street is like.
Are there undesirables hanging around after dark? Is the street full of vehicles at school pick up time?

Is there a curtain behind the front door?
Is this for aesthetic reasons or because of a draught? Are there portable electric heaters in rooms with radiators? Why?

Try a faucet to check the water pressure.
You do not want to buy a property where it takes two hours to run a bath!

How many plug sockets are in each room?
You don’t want a bedroom with one plug socket right on the other side of the room- how will you charge your phone?!

Go into the garden and just listen.
Is there lots of noise? Traffic? Kids?

You will want to know you can enjoy your garden space.

Out2News/Out2martincounty.com is your online newspaper where you are the reporter and photographer and you report the news! Do you have something to say, an event to a talk about? An event you would like us to have covered. Email your story or request to: rshall@out2martincounty.com

7 Things to Do Before House Hunting

20 June 7 Things

Article by: Robin McDaniel

House hunting can be overwhelming, especially if you’re a first time buyer.

You have to think about the location of the property, square footage, layout, finishes, flooring, and oh yeah — getting a mortgage. The list is endless.

It’s exciting and exhausting at the same time. How do you even know where to start in the process?

Whether you’re hunting for your very first house or your fifth, the process will be much smoother if you have a plan and a house hunting checklist.

If you’re jumping into the real estate market, here are 7 things to do before you start house hunting.

Know Your Credit Score

First things first: don’t go house shopping without getting a mortgage pre-qualification.

Make a Budget

You should decide ahead of time what amount you’re comfortable with paying per month for your mortgage. Then go to your bank for your pre-qualification letter.

Find a Diligent Realtor

The next step is finding a realtor who will work for you. You want someone who will stand up for you in the final walk-through or at the closing table if something doesn’t go right.

Make a List of Needs, Must-Haves, and Wants

You may end up seeing so many properties your head will be left spinning. You might forget some of the things you were looking for in the first place.

Choose Your Location

It’s going to be really hard for your realtor to show you the best housing options for you if you don’t know the area you want to reside in. You’ll end up all over the place if you don’t.

Save an Emergency Fund

If you don’t have an emergency fund saved yet, buying a house isn’t a wise option.

Check Your Emotions at the Door

Buying a house is an emotional process, but do your best to keep your emotions out of it before you make a hasty and unwise decision about a house that’s financially out of your reach.

Even though it’s hard to keep emotions out of it, you need to in order to keep yourself from making a bad decision that could end up affecting you for years, and cost you a ton of money.

No matter what you do, try to make house hunting a fun process, because it should be. It’s not every day that you get to run around shopping for houses, so try to enjoy it! If you follow this checklist, then your house hunting process will be easy and painless.

           5 Minor Remodeling Projects

Jan Remodeling

Whether you’re getting ready to sell your home or just want to make the place you live an oasis, these minor remodeling projects will increase your home value!

Your home’s curb appeal is the first thing visitors see when they get to your home. You can make a strong, positive first impression with some smart landscaping. Consider a variety of plants that reach their peak in each of the four seasons so your yard always looks incredible.

Replace Your Front Door
The front door is one of the first things visitors see. Replacing the door can give your home a more modern, updated, and clean feeling. When choosing your new door, keep the rest of the home’s color and style in mind. Investing in a steel door will provide you with unbeatable durability.

Updated Color Schemes
Paint fades over time and popular color schemes change. Today, neutral tones like beige and grey are popular options throughout the home. Whether you do it yourself or hire a professional, painting your home is a great way to improve the atmosphere of your home.

Remodel Your Fireplace
Highlighting a home feature as iconic as a fireplace can make a dramatic improvement in your home. Some popular remodeling options are replacing outdated brick with modern, natural stone or expanding it to a floor-to-ceiling statement piece.

Add Crown Moulding
Crown moulding adds a touch of sophistication and class to your home. And, you may be surprised at how simple and affordable adding it can be. In addition to framing the rooms of your home, you can use it to highlight key features in your home such as the fireplace, breakfast nook, or bay windows.
Whether you’re planning to stay in your home for many years or getting ready to make a move, I’m here to help. Feel free to contact me with any real estate questions!

Why an Investment Property Should Be Your First Real Estate Purchase

19 Sept Von Ohlen 1

Not ready to buy a home for yourself but want to take advantage of great market conditions? Consider buying an investment property! It's a trend that's taking over real estate, as savvy investors look to put their money in an appreciating asset. Here are five reasons to consider it.

1. Rates are crazy low. Lower rates mean more affordable lending, or more for your money if you choose to reach higher.

2. Because it will appreciate. According to CoreLogic, "The overall home price index (HPI) has increased on a year-over-year basis every month for seven years." The long-term price appreciation of real estate can provide one of the safest investments out there.

3. Because passive income is good. Yes, it's nice to know there will likely be appreciation over time, but the real key to success with investment properties is passive income.

"The best part about rental properties is that they provide a stable income," said Mashvisor. "What would be better than having a check sent to you every month? In order to have positive cash flow, you have to make sure you invest in a profitable rental property."

4. To turn it into a short-term rental. The short-term rental market has opened up a new world of opportunity for investors. By buying in the right location—by the beach, near a ski resort, or in close proximity to a popular annual event like Coachella, you have the potential of making a significant return in a short period of time. Just be sure to check the local laws, as lots of cities have been cracking down on Airbnb and other services.

5. Because it can help you buy the home of your dreams down the line. "Buying an investment property before your first home does not imply that you won't have the funds to purchase your actual home at some point," said Mashvisor. "In fact, investment properties that have been purchased wisely and have grown in value can offer you a sizeable amount of wealth and equity."