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real estate tagged posts

January Mortgages

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

Don’t forget Fidelity Bank Mortgage now has the lock and shop to insure the rate does not go up while searching for the home of their dreams. See attached.

Long term trend provided by Market Alert, Inc.

Some may be wondering where all the furloughed government workers claims for jobless benefits are?  As is normally the case with federal workers — they have a different system than the average Joe on the street.  There are more than 10,500 government employees who have sought benefits through the week ended January 5th, the latest period for which numbers are available.  

The federal jobless benefits are higher than those paid to ordinary citizens – but unlike regular citizen...

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2018 Home Sales

  • Wallace

Congratulations to all of my clients who are new home owners! Take a look at my home sales for 2018.

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

If you are moving out of the area, I can help yo...

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4 Reasons You’re Having Trouble Getting a Fire Started

Thanks to Clean Sweep for this episode of Tips from the Pros about proactive chimney sweeping.

A Partially Closed Damper

If you opened the damper for your fireplace, it’s possible that something on the interior or exterior is preventing it from opening fully. Soot buildup and water damage could lead to a damper in need of repair. Clean Sweep can examine the damper and complete any necessary repairs for it to work properly again.

No Pilot Light

If you have a gas fireplace, the pilot light can be extinguished by a strong gust of wind or downdraft. Try turning the pilot light back on by turning the control knob to the pilot position. Hit the red button that lights the pilot and hold it for about a minute before turning the knob on...

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Organizing your goals

Image: Balloon Coach

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about organizing your goals.

As the year is coming to an end, thoughts turn to 2019 and what you can accomplish in the new year. Setting goals can be a challenge, but there are some ways to make it easier.

The first step is deciding what goals you want to achieve in the coming year before you figure out how to achieve them.

People who write down their goals are much more likely to make them happen. There are several ways to do that.

Make a list of the goals you want to achieve in the year, month-by-month or even week by week. You can break down the big goals into components that you need to accomplish in order to reach that goal...

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January Calendar of Events

January Calendar of Events

Lots of activities and events are happening in January around Baltimore. Get the scoop on what’s happening and where.


John Waters retrospective
Image: John Waters. Divine in Ecstasy. 1992. Collection of Amy and Zachary Lehman. © John Waters, Courtesy Marianne Boesky Gallery.

John Waters – Indecent Exposure through January 6, 2019. Retrospective organized by the BMA examines John Waters’s influential career.


Harry Houdini Exhibit in Baltimore at the Jewish Museum of MD
Image: Jewish Museum of MD

Inescapable: The Life and Legacy of Harry Houdini, on display now through January 21, 2019 at the Jewish Museum of Maryland.


Image: The Baltimore Remodeling Expo

The Baltimore Remodeling Expo will be on January 18-20, 2019 at the Baltimore Convention Center– Halls C&D (Sharp St Entrance)...

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How to Improve Your Indoor Air Quality this Winter

Thanks to Clean Sweep for this episode of Tips from the Pros about air quality.

Homes are designed to be energy-efficient over the cold winter months and block out heat in the summer. When frigid winds start outside, homeowners seal cracks in insulation and block out any drafts. However, those measures to keep heat in also seal in allergens and pollutants inside of the home. Indoor air quality can dramatically decline over the course of a single winter month.

What Pollutants and Allergens Impact Indoor Air Quality?

  • Mold and mildew
  • Pet dander and hair
  • Dust mites
  • Pollen
  • Germs, viruses and airborne bacteria
  • Tobacco smoke
  • VOCs (volatile organic compounds) that can be found in the bonding agents used for carpet, upholstery and paneling
  • Asbestos
  • Carbon monoxide
  • Lead
  • Household ...
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Wealth-Building Financial Goals for Every Stage of Life

wealth-building to work toward financial goals is important for all stages of life

If building wealth is among your aspirations for the year ahead, you will need some tips and idea. You might be looking for financial goals to set, depending on your age and stage of life.

In this Monthly Item of Value, get tips on where you should focus in each decade of your life. Although your priorities will surely change over time, the goal of continuing to build wealth may not.

In your 20s: Start saving and balance debt-to-income. 

In your 30s: Save as much as you can for large goals while you handle the demands of a growing family or caring for aging parents. 

In your 40s: This is your peak earning decade: Research shows pay growth peaks at 49 for college-educated men and 40 for college-educated women.*

In your 50s: Max out your savings and catch-up on savin...

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December Mortgage Rates

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

The Fed

As it now stands, the Fed has penciled in three 25 basis-point hikes in 2019.  However, the chances of those projected rate hikes actually seeing the light of day are declining rapidly.  While the Fed is expected to bump their short-term benchmark rates 25 basis points higher next week Wednesday — the futures markets are showing investors are now assigning 50-50 odds to the likelihood the Fed will raise rates even once in 2019. 

Believe it or not, the end of the tightening moves by the Fed is not particularly good news for the prospects of steady to lower mortgage interest rates...

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Does cold weather affect your well?

In this issue of Tips from the Pros, WelGuard shares valuable information about the cold weather and your well.

Does cold weather affect your well?

Or, If the well is outside during the winter, why doesn’t the water freeze?

Cold conditions generally shorten the lives and usage of mechanical and electrical equipment used outside.  This generally includes all of the dozens of man made parts that make up a well.  But the answer to the question of cold affecting well performance is no – there is very little affect.

Cold has no apparent negative affect on the equipment and well, in part because the well is sealed/enclosed on the outside. Your well cap and casing serve as a bit of “insulation”, and this stops the cold air and rain from getting into the well, even when it is freezing cold outside.

The lateral p...

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House Hunting Checklist

house hunting checklist for home buyers

By using a house hunting checklist, you will be more organized in your home shopping process. Buying a new home is a complicated matter and after seeing a few, they all start to blend together. If you’re like most homebuyers, you’ll view several houses before you find the one you want to make your “home.” How can you remember the details of each? Please utilize this checklist to help you keep track of what you like and don’t like about each home you visit. Use it to help you decide which home you would like to buy.

Click here for the checklist.

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