Latest Real Estate News

    • Here’s What’s Hot in Autumn Home Decor

      20 September 2021

      As summer gives way to shorter days and cooler evenings, there is a universal yen to cozy up, hunker down and look for comfy pieces and deeper hues for your home. Decorators offer a palette of ideas for doing a little autumn re-shuffling.

      • Bauhaus Retro - Paying homage to the Bauhaus, a German design school that boomed during the 1920s, this warming look brings in geometric shapes and bold block color. Think bedroom and family room accents of royal blue, mustard yellow and slate gray hues for this contemporary update.
      • Ramp Up the Reds - No colors in the spectrum are as warming as carmines, scarlets and crimsons as we head into cold nights. Go for a riot of red tones to turn up the heat in your bedroom. Mix plain and patterned designs in your decorative cushions and throw blankets. 
      • Bring in Rustic Touches - Now’s the time to change out your sideboard and shelving displays, grouping together assortments of baskets, wooden pieces and rustic handcrafted trinkets. Plus, macrame is back, so bring out those hanging pots, too!
      • Introduce Texture - Like the return of macrame, styles from the ‘70s like rattan, cane and bamboo are making a comeback, but in a modern, minimalistic way, with curved shapes, tapered legs and clear, defined lines. Introducing these natural textures in a warming color palette will make a living or family room feel cozy. 
      • Top Up the Tableware - Fall is a good time to treat yourself to a new pottery teapot and more. Bring in rough-hewn earthenware mugs and cereal bowls in warming earth tones. Simply add some hot chocolate or a hot stew and you’re good to go.
      • Try a Two-Tone Effect - To instantly warm up a bedroom or living room, paint one wall in a jewel-tone fall color, such as warm caramel, loden green, a soothing blue, even ruby red or amethyst.
      • Enrich With Velvet - This soft-to-the-touch material is the perfect fabric for curling up with or on, so if you don’t want to invest in a new sofa or chairs, just deck out the ones you have with velvet pillows to make an evening by the fireplace even more relaxing. 

      Published with permission from RISMedia.

    • Simple, Sweet Energy Bites

      20 September 2021

      (Culinary.net) Having enough energy and fuel to make it through a long day can be challenging. No matter if you’re a stay-at-home parent, corporate worker or small business owner, having a high energy level that lasts throughout the day is important for both you and those around you.

      Having enough energy helps you stay alert and attentive to what is going on around you, whether that’s cleaning up after your little ones or filing a report your boss asked for.

      When it comes to snacking during the day, these delicious, mouth-watering Energy Bites can give you the boost you need. They are made with creamy peanut butter and honey to curb your sweet cravings but still provide plenty of texture with shredded coconut and raw oats.

      They are a perfect snack time nosh, rolled into simple balls, that can help you finish the  task at hand.  

      Not only can they be that 2 p.m. pick-me-up, they are also simple to make and simply delightful to eat. You can store them in the refrigerator in a container for anytime snacking. Plus, the recipe makes 20 servings, which means it’s easy to prep your snacks for the entire week ahead of time.  

      Stop settling at snack time for stale crackers or high-calorie dips. Eating something that can make your body feel good and energize you for the rest of the day keeps you prepared for what’s to come.

      Find more snack recipes at Culinary.net.

      If you made this recipe at home, use #MyCulinaryConnection on your favorite social network to share your work.

      Energy Bites
      Servings: 20

      • 1/2 cup creamy peanut butter
      • 1/3 cup honey
      • 1 teaspoon vanilla extract
      • 1 cup raw oats
      • 1/2 cup sweetened shredded coconut
      • 1/2 cup flaxseed meal
      • 6 tablespoons mini chocolate chips

      In a medium mixing bowl, stir peanut butter, honey and vanilla extract until combined.

      Add oats, coconut, flaxseed meal and chocolate chips. Mix until combined.

      Shape into 1-inch balls. Store in an airtight container in the refrigerator until ready to serve.

      Published with permission from RISMedia.

    • How to Add Your New Spouse to Your Mortgage

      20 September 2021

      If you own a house and you recently got married or are planning to soon, you and your new spouse may want to share the cost of the mortgage. You might think that you can simply contact your lender and add your spouse’s name to the mortgage, but the process is actually more complicated than that.

      Why You’ll Need to Refinance Your Mortgage to Add Your Spouse’s Name
      Any time a change is made to an existing mortgage, a refinancing process is required. Before the lender agrees to add your spouse’s name to the loan, the company will want to make sure that the two of you will be able to repay the loan. That means you and your new spouse will need to demonstrate that you’re both creditworthy.

      How the Process Works
      Before you try to make any changes to the mortgage, your spouse should request copies of his or her credit reports, check them for errors and dispute any inaccurate information. Then you can contact your lender and explain that you want to add your spouse to the mortgage.

      You’ll have to fill out an application and submit documentation showing both your incomes and assets. The lender will consider that information, as well as how much home equity you currently have and the type of loan, to decide whether to refinance the mortgage.

      Whether you stick with your current lender or apply for a mortgage from a different company, you aren’t guaranteed an approval just because you were granted a loan in the past. If a lender approves the application, any future mortgage statements will include both your and your spouse’s names.

      Potential Problems
      Whenever a mortgage is refinanced, the homeowner(s) have to pay for an appraisal and closing costs. Those could total thousands of dollars that you might not have been expecting to pay.

      If your spouse has a low credit score because of high credit card balances, late or missed payments, bankruptcy, or foreclosure, the mortgage application could be rejected. The lender might decide to approve the application but charge a higher interest rate than you had for the initial loan, which could raise your monthly payments. Refinancing the mortgage could also change the payoff date.

      Is Adding Your Spouse’s Name to Your Mortgage the Right Move, Right Now?
      When planning a life with your new spouse, it’s natural to want to share expenses, but things can be complicated if you have different financial circumstances. Before you add your spouse’s name to your mortgage, make sure you understand how his or her financial situation could affect the terms of the loan. If your spouse has bad credit, it might be a good idea to wait until he or she has had time to bring up the scores before you seek a joint mortgage.

      Published with permission from RISMedia.

    • 5 Steps to Design a DIY Dream Closet

      17 September 2021

      (Family Features) Whether you’re a stylist with an eye for fashion who chooses each garment carefully or the laid-back type who can rock the first outfit you find each morning, the closet provides a location for inspiration. Turning bland closet space into a truly eye-catching room calls for a little planning and DIY creativity.  

      Plan It Out
      Creating the perfect closet space begins with your ideas. Think about the details such as how you want the space to look and the amount and type of storage you need. Envision everything from colors and finishes to the physical shape.

      Focus on Practicality
      Once you’ve dreamed up your ideal closet, compare your ideas with the space you have available and adjust your plans to fit your footprint and budget. This step allows you to get creative with ways to maximize your space and use every available inch to create a closet that gives you the function and aesthetic you desire.

      Keep It Organized
      A beautiful closet likely won’t mean as much for you if it isn’t functional, and organization is a key to true functionality. Keep your space organized in a stylish manner with an option like the ClosetMaid Revolution Storage Ottoman, a convenient, easy-to-assemble, multi-use piece designed for closets or any area of your home. Able to hold up to 12 pairs of shoes, its rotating design maximizes storage for functional appeal.

      Remain Detail-Oriented
      It’s not just the structure that can bring your dream closet to life; little touches can add up in a big way. Upgrade your light fixture, for example, and look for other ways to personalize the space for a look that’s all yours, such as shelving to display treasured photos or keepsakes, or a spot on the wall for a vision board to draw inspiration from as you begin each day.

      Change Up the Color
      Introduce light and personality into your closet with rich color and style. Add accent color on the walls behind your clothes or incorporate color with the structural elements. On-trend finishes can help make the space pop by complementing the colors of your wardrobe.

      Visit closetmaid.com to find more DIY closet inspiration.

      Published with permission from RISMedia.

    • Simple Tips to Tackle Credit Card Debt

      17 September 2021

      Credit cards are convenient for shopping and can come in handy during emergencies, but unless you’re careful, it’s easy to rack up debt fast. If you’re one of the millions of Americans that hold credit card debt, the following tips from the National Association of Personal Financial Advisors will help set you on your way to living debt-free:

      Hit the Pause Button. Take a look at exactly what you’re spending during any given month, and determine if there are any automated payments that can be eliminated or paused temporarily while you work to pay off your debt. You might even consider putting off large expenses for one year to help you pay your debt off faster.

      Reduce Interest Rates. Once you’ve taken stock of all the credit cards in your wallet, as well as interest rates and minimum payments, call your credit card companies to see if there’s any chance they could waive late payments or reduce interest rates.

      Work Toward Eliminating Your Most Expensive Card First. While it’s important to pay the monthly minimum on all cards to avoid fees, any leftover money should be applied to the card with the highest interest rate. Once you’ve paid this card off, apply the same strategy to the card with the second-highest interest rate while making minimum payments on all other cards. Repeat the process until all of your credit cards have been paid off.

      Create a Written Budget. Putting pen to paper and creating a written budget will go a long way toward helping you stay out of debt in the future. Be sure to include an emergency fund in your budget so that you’re financially prepared should you experience a job loss or health crisis. And don’t forget to check in with your budget each and every month.

      Set Goals and Keep Your Eye on the Prize. Whether it’s saving for a down payment or preparing to go back to school, write down your goals so that you’re more driven to reach them. Remember that the changes you’re making now will help you reach your goals well into the future.

      Published with permission from RISMedia.