May 7, 2014 | Uncategorized
Thinking about ways to engage your children in gardening and educational opportunities outside of the classroom? Creating your very own veggie patch with them is a great way to help them develop interest in the wonderful hobby of gardening!
Growing a vegetable garden links together many concepts your children are learning about in school while teaching them the art of discipline, responsibility and delayed gratification. Here are some great tips on how to nurture this project with your children.
Choose Pick-And Eat-Vegetables
The joy of being able to eat the fruits of their labors straight out of the garden will be an amazing reward for children. Vegetables like snap peas and cherry tomatoes are great for this. A bonus is that pea seeds are big and easy for those tiny hands to plant if you are going to have your children involved in the garden from the very beginning.
Pick Fun Vegetables The Kids Can Use Later
Another great route when choosing what to plant is picking vegetables that children have a strong connection to. Pumpkins are a great example of this. Children will love to grow pumpkins because of the promise of carving a jack-o-lantern later in the year.
Ensure Your Garden Is Conveniently Placed
One thing you don’t think about until you have kids is how to streamline your garden activities in a way that accommodates them. Convenience is critical when trying to manage children and do gardening at the same time. Go easy on yourself by placing your garden as close to a water source as possible.
Plant A Few Seeds That Will Grow Quickly
It is always nice to give children a bit of excitement right off the start. Lettuce is always good for this. It grows fairly quickly and will grab the interest of your children while they wait for the other plants to sprout.
Make Your Children Planting Assistants
Involving your kids in the planting is definitely a lot of work, but it really helps build their interest and education later on. Get them to hoe rows, dig holes, or water as you plant. This will help them connect all the processes together in their minds, and will keep the engaged later on.
Keep The Garden Front Of Mind
Make the garden an ongoing, continuous project that the children are involved in. Don’t let weeks go by before you bring the kids out to it again – they might get bored or develop other interests. Always look for opportunities to involve them in the work.
Plant A Colorful Garden
One of the easiest ways to get children excited about what is growing in the garden is to make it come alive with color. There are many different ways you can bring a splash of color to the garden. Choose a variety of lettuce, radishes, or squash to bring interesting and unique shapes, sizes and color to the garden!
Building a garden is a fun way to teach your children the value of hard work and perseverance, and to help them learn science! A garden can engage children and draw you all closer together as you work toward a common goal. If you have questions as to whether a garden will increase the value of your property, call your trusted real estate professional today for more information.
May 6, 2014 | Uncategorized
If you’re a homeowner, your backyard is probably a space where you look forward to spending private, quality time watching your children play or entertaining dinner guests.
The privacy you and your family treasure could suddenly be put at risk if your neighbors finish renovations allowing them to see into your backyard, or if a tree that once hid your backyard from view needs to be removed. If you’re looking to reclaim the privacy you’ve lost in your yard, here are some options you will want to consider.
Your Property Line Is A Natural Barrier That You Can Use To Reclaim Your Family’s Privacy
The first option you might consider if you’re looking to reclaim your yard’s privacy is probably building a fence – but depending on your budget, your relationship with your neighbors, and the look you want in your yard, a fence might not be the best option.
Consider planting a fast-growing hedge or other greenery along your property line instead. Italian cypress, for instance, will look great, grow very quickly, and will eventually give you all the privacy you need.
Break Up Your Nosey Neighbors’ Line Of Sight By Installing Raised Beds Or Berms
If you already have a green thumb and love nothing more than working on your backyard garden, you can have your cake and eat it too by replanting your current backyard plants in raised beds or berms.
Raised beds will add up to two or three feet of height to your plants without taking away the area or square footage in the rest of your backyard, making it an ideal option for homeowners will smaller backyard spaces. Installing raised beds or berms could also be a great solution for your garden if you have trouble planting due to the presence of clay or simply poor soil.
Lumber Isn’t Your Only Fencing Option
Though fencing seems like an obvious and possibly boring option to liven up your backyard and improve the aesthetic of your space at the same time, there are ways you can get creative with fencing that you might not have considered. Putting in latticework can alleviate the claustrophobic feeling that might come with enclosing your space fully with a solid fence, giving you some visibility through the lattice.
You can spice up the look of your enclosure by weaving plants through your lattice, or if you have the patience, get some ivy growing through your enclosure.
Maximizing the privacy of your outdoor space is easy if you’re creative and you enjoy working outdoors. If you love nothing more than pruning and shearing, then try to reclaim your space through planting rather than installing a fence or another permanent structure that you can’t change and therefore might regret later.
If you’re worried about how your backyard transformation could affect the value of your home, or if you’re looking for more privacy options, contact a real estate professional that you trust for the backyard design help you need.
May 5, 2014 | Uncategorized
Last week’s economic news included several reports related to housing and mortgages. The NAR started the week on a positive note with its Pending Home Sales Index released Monday. Pending home sales in March were higher with an unexpected increase of 3.40 percent over February for an index reading of 97.40.
This is encouraging news for home sales that were severely affected by a hard winter in many areas, and suggests that as warmer weather approaches, home sales will pick up. Analysts do not expect the rapid rate of price appreciation seen in 2013. The Fed’s tapering of its “quantitative easing” program has caused mortgage rates to rise, and last year’s rapid run-up of home prices has made affordability an issue in many areas.
The S&P Case-Shiller Home Price Index for February performed slightly better than expected with a seasonally-adjusted month-to-month reading of 0.80 percent. The expected reading was 0.70 percent.
The year-over-year reading fell short of January’s reading of 13.20 percent and the expected reading of 13.00 percent at 12.90 percent. Analysts noted the continuing trend of slowing momentum in home price growth, but seem confident that home prices will continue to increase over the spring months.
Fed Continues Tapering Of QE, Mortgage Rates Mixed
Wednesday brought the FOMC’s customary statement after its two-day meeting concluded. There were no surprises as the statement verified another monthly tapering of $10 billion from the Fed’s quantitative easing (QE) program of asset purchases.
The tapering was evenly divided with $5 billion less in MBS purchased and $5 billion less in treasury securities purchased. The ongoing tapering was seen as contributing to rising mortgage rates, but the Fed asserted that its asset purchases remain sufficient to dampen rapid increases in long-term interest rates, which include mortgage rates.
The Fed repeated its usual reminder that its decisions are not on a pre-set course and that the committee members would closely monitor economic and financial developments as guidance for future decisions.
Freddie Mac reported mixed results for mortgage rates on Thursday. Average rates rose by four basis points to 4.29 percent for a 30-year fixed rate mortgage with discount points of 0.70 percent.
The average rate for a 15-year fixed rate mortgage dropped by one basis point to 3.38 percent; discount points steady at 0.60 percent. The average rate for a 5/1 adjustable rate mortgage rose by two basis points to 3.05 percent; discount points dropped from 0.50 to 0.40 percent.
Weekly jobless claims made an unexpected jump to 344,000 as compared to the prior week’s revised figure of 329,000 jobless claims and an expected reading of 320,000 new jobless claims.
Analysts note that week-to-week figures continued to show volatility, but said that on balance, the rolling average for jobless claims appeared consistent with moderate growth in labor markets.
This Week
This week’s scheduled economic news shows no events related to housing and mortgages. Highlights include Fed Chair Janet Yellen’s appearance before the Joint Economic Committee in Washington, D.C. and the usual releases of mortgage rates and new jobless claims on Thursday.
May 2, 2014 | Uncategorized
When it’s just about time to welcome a new family member into the home, you want to ensure that you’re as prepared as you can be. If you’re becoming a parent for the first time, being prepared for your baby’s arrival is especially important.
Just because you want to be prepared, however, doesn’t mean you have to reveal your baby’s gender if that’s something you wish to keep a surprise. Here are some stunning gender neutral nursery designs for 2014.
Purity And Peace: Shades Of White
A design for a neutral gender nursery that is becoming increasingly popular is one that is full of different shades of white, bringing with it an atmosphere of peace and purity.
Suited just as well to your baby girl or baby boy, a nursery with white walls and off-white or cream linens will certainly create a perfect canvas.
Once your baby’s gender is determined, a colored rug or wall decorations can make the room more gender-specific, though leaving it as an all-white haven works well, too.
Common focal points in these kinds of “purity” themed nurseries are crystal chandeliers, grandiose white drapery around the baby’s crib, or antique furniture. Mirrors with intricate frames also work well in these kinds of rooms, and subtle pastels can be added while still maintaining a gender-neutral theme.
Gender Neutral With Neutrals And Primaries
Of course neutral colors work well for creating a room that will be suited to a boy or a girl, but you don’t have to leave out the colors completely in order to obtain a gender neutral feel. Instead of opting for a light pink or baby blue, primary colors tend to be more gender neutral, so opt for shades of green, yellow, and red.
Another option is to create a multi-colored atmosphere by making use of all the primary colors in your nursery’s decor and design elements, while opting for neutral colors for the walls, carpeting, and bedding. Using this strategy, you can create an ultra-modern or slightly retro room, while the vibrancy of the colors make it an ultra-fun space.
A Wild Safari: Fit For Boys And Girls
Wilds safaris are just as suited to boys as they are to girls, and this kind of nursery theme is one that is especially popular when creating a gender neutral atmosphere. When creating this kind of a wild safari nursery, you can make creative use of wall motifs and wall decals to recreate a scene from the jungle.
Images of a jungle’s terrain, giraffes, and elephants will certainly create the perfect space for your baby boy or girl. These themes can make use of neutral colors like beige, brown, and white, while also working in some of the gender neutral primary colors like yellow and green.
Whether you choose to go on a “baby spree” with a wild safari theme, or opt for something a little more classic and modern by using white or primary colored nursery themes, there are many different ways you can prepare for your baby’s arrival without spoiling the secret.
Your baby boy or baby girl will love their nursery, and you will love the pleasant surprise! If you’re on the hunt for a new home that offers the perfect space for a nursery, get in touch with your real estate professional today, and start your home hunting as soon as possible.
May 1, 2014 | Uncategorized
The FOMC of the Federal Reserve released its customary statement after its meeting concluded April 30.
FOMC members said that the economy is improving after a winter lull caused by poor weather. The national unemployment rate remains high, although some improvement in labor markets was reported. Fiscal policy is restraining economic growth, although FOMC said that the restraint is diminishing.
FOMC Monitors Inflation, Further Reduces Asset Purchases
The FOMC statement reflected members’ concerns about the inflation rate remaining below its goal of two percent, and said that this could eventually impact economic recovery. The Fed expects inflation to approach its goal within the “medium term.”
The Fed will reduce its monthly asset purchases of mortgage-backed securities and Treasury securities to a total of $45 billion in May. FOMC members said that the Fed’s level of asset purchases is sufficient to maintain downward pressure on long term interest rates and to support mortgage markets.
The Fed expects to continue reducing its asset purchases as long as improvements in the labor market and general economic conditions occur. As of March, the national unemployment rate was 6.70 percent; the Fed previously established a goal of 6.50 percent unemployment as an indicator of economic recovery.
The statement included its usual comment that asset purchases are not on a pre-set course and that FOMC members monitor economic reports and other financial data on an ongoing basis as part of the FOMC’s decision making process.
Fed Funds Target Rate Unchanged
FOMC members agreed to maintain the Fed’s current “highly accommodative” monetary policy and left the target Federal Funds rate at between 0.00 and 0.25 percent. The committee expects this policy to continue long after the asset purchase program concludes.
FOMC members will continue to monitor economic and financial developments along with inflation to determine the course of the target federal funds rate.
The FOMC noted that retail sales in March reached their highest level since September of 2012; this was viewed as a sign of a stronger overall economy.
This FOMC statement mentioned inflation as a basis for reviewing monetary policy more than in recent statements, and clearly established maximum employment and the committee’s target two percent inflation rate as benchmarks for decisions related to future policy decisions.
April’s unemployment rate is set for release on May 2.
Apr 30, 2014 | Uncategorized
As most real estate agents will tell you, remodeling, decorating or repairing your home can go a long way towards getting it sold. For that matter, it can add value to your property in case you want to sell later – that is, if you don’t choose the wrong places to buy cheap:
- Windows – Never buy a window based on which one is cheapest. You want windows that look good, and, as most real estate agents will recommend, you want energy-efficient windows. During 2009 and 2010, you may be eligible for a Federal Tax Credit for Energy Efficiency of up to $1500 when you purchase Energy Star windows.
- Paint – Paint is one of the biggest places people skimp when it comes to cost, and a big no-no. Cheap paint may take several coats to look right; those several coats can end up leaving blotches and runs. In addition, cheap paint has a tendency to peel or wash off under light cleaning. If you’re going to add painting to your remodeling or repair work, quality is always better.
- Doors – Whether it’s for a shower or a screened-in porch, the door you choose can make all the difference. A rickety shower door falling off the railing is a big “don’t buy” sign. While you don’t want to blow your whole budget, the doors throughout your house should be of quality material. Likewise, a solid front door adds to the curb appeal and security of your home. Some exterior doors also qualify for the Federal Tax Credit for Energy Efficiency. Find out if your exterior door qualifies for an Energy Star Rebate or Tax Credit.
- Flooring – Unless it’s expensive carpet on sale, cheap flooring never looks like anything but cheap flooring. Low cost carpet and wood flooring seldom has high durability and is likely to wear out before you’re ready to replace it again. Take the time to find quality flooring at a price you can afford – don’t go cheap!
Many real estate agents will push quality, but the biggest point they’ll push these days is – go green! It may not be the cheapest option, but the benefits in efficiency and property value more than make up for the cost.
