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home buying tagged posts

Thin out your files

get rid of clutter with files, tips from the pros

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about clutter and your mindset.

Even though a lot of our paper has been eliminated by the computer, there are still a lot of pieces of paper we have to deal with. Every now and then we need to take time to go through them to avoid towers of paper.

Invitations

Invitations, flyers, save the date cards from events that have already happened or are no longer needed are taking up valuable space. Time to recycle these things if they are no longer useful.

Art projects

You don’t need to keep kids’ artwork from last year (and earlier). Keep only the most spectacular items of your kids’ artwork and take photos of the rest. Hang onto them for a year or less so everyone has a chance to see them and then let them go...

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5 Fun Facts about Thanksgiving

thanksgiving and turkey go hand in hand
Everyone loves Thanksgiving dinner, all the games on tv and a long weekend, but there are some interesting facts that you might not know about this holiday. Check out this month’s Item of Value and read the full story about Thanksgiving and its traditions we all love. Football, balloon animals and Pilgrims are a part of the holiday, but how did all of the customs that we take for granted get started?

Click here to get the full e-report.

If you are interested in buying or selling a home, contact Gigi today!
Oh by the way, I’m never too busy for any of your referrals.

 

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Home mortgage rates

Home mortgage rates

Thanks to Mark Hines of Fidelity Bank for this episode of Tips from the Pros about mortgages.

As most of you know FHLB (Federal Home Loan Bank) grant program ran out of funds in early October. The date funds will be available again for us to use is January 14, 2019. Fidelity Bank Mortgage again has $1,000,000 to use for its borrowers/buyers. Currently Baltimore County SELP still has funds and certainly MMP or the Maryland Mortgage Program.

More buyers are electing to build a new home as the inventory of existing homes is low. Fidelity Bank offers a 1 time close construction loan as well as the HomeStyle and FHA 203k renovation loans.

We are seeing less seller help on contracts and usually multiple offers resulting in a big win for sellers.

As always feel free to u...

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Clutter and your mindset

clutter and your mindsetThanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about clutter and your mindset.
Our homes are filled with belongings, even homes that are well organized. The way to happiness in a well-functioning home is to make sure you don’t have a bunch of stuff that serves no purpose.

Obligation

Do you keep things out of a sense of obligation? Cut that out today. There is no reason to keep things you don’t want or need. Hanging onto belongings because your favorite aunt left it to you or because it was a wedding gift leads to clutter.

Fear

Are you afraid of throwing something away and needing it later? If you have something for a year and you haven’t needed it, let it go. Saving things you might need in the future is simply adding to your clutter.

Anxiety

Ps...
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Meet Katie and Chris Peitsch

See what clients are saying

Meet Katie and Chris Peitsch

Katie and Chris Peitsch

What do you love most about your new home?

All the extra space! Moving from a townhouse to a single family home, basically doubled the square footage of our house. The large master suite is a nice perk too.

If you could sum up your experience in one word what would that be?  Why?

Fast. We only toured two houses before making an offer. The online tools Gigi gave us helped us to narrow down our search as we already knew the area we wanted to live in. Selling our townhouse was also surprisingly fast, we had an offer within a week. Again, the tools and suggestions Gigi and her team gave us about getting our house ready to sell made the process easier...

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Mortgage Rates

Thanks to Mark Hines of Fidelity Bank for this episode of Tips from the Pros about mortgages.

As expected the Feds raised interest rates 25 bps to 5.25% on Wednesday, noting that job growth has been “strong” and inflation has been close to their 2.0% target.  In addition, a larger majority of members (12 up from 8 last meeting) now expect an additional 25 bps hike by year-end and three more hikes in 2019.

The Prime rate is for short term lending like revolving charge accounts and HELOC’s (Home Equity Line Of Credit). This also affects the construction loans that rely on the prime rate as their benchmark.

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Common Organizing Mistakes

common organizing mistakes can lead to clutterThanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about organizing mistakes.

Some people believe if their home is clean, it’s organized. That is not necessarily true. Clutter can be hidden in closets or under beds. People may have trouble finding things because they don’t have storage containers clearly labeled.

How do you make sure you don’t take these organizing missteps?

Kitchen counters

You don’t have to have your kitchen counters completely clear. If you use your toaster every morning, keep it on the counter. Putting it away and taking it out every day is a waste of time. However, if you only use it every now and then, it makes sense to keep it off the counter.

Entryway

A completely clear entryway can make it hard to find a place for your coat,...

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What Not to Store in the Garage

garage storageThanks to Tom Benisch of State Farm for this episode of Tips from the Pros about what to store in the garage.

It’s easy for a garage to turn into a catchall storage unit. For most items that’s fine, but some things simply don’t belong in a garage, and they can even become a home hazard without proper storage protection. This list of common red-flag items can help identify what doesn’t belong in the garage.

  • Extra fuel. Stashing portable gas cans and propane tanks in the garage can be dangerous: Highly flammable fuel poses a leaking risk. If you store any fuel in the garage, do so only in dedicated, leak-proof containers out of the reach of children and pets and away from potential sources of ignition such as water heaters or power tools...
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34 Elinor Ave.

  • 34 Elinor Ave. front view sidewalk and bushes

34 Elinor Ave.

Here it is, the one you’ll want to call home! This delightful single family colonial at 34 Elinor Ave., Baltimore County is perched on a large corner lot...

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Retirement Worksheet

retirement worksheetRetirement Worksheet

Do you want to know how much money you’ll need to retire? Use the linked worksheet to help you estimate. Although your life circumstances may change, the worksheet can give you an idea of how much savings and investments you need to retire comfortably.

If you’d like to speak to someone about financial planning, I can connect you with a professional in my network.

Topics covered on the worksheet

  • How much will you need to maintain your lifestyle?
  • How much of your income will come from non-savings sources?
  • How much income will need to come from your savings and investments each year?
  • How long will your savings and investments need to last?
  • So, how much will you need to save?
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