More people grill in July than any other month. While grilling is all about good food, fun, friends and celebrations, it is important to make sure that accidents don’t interrupt your activities. Approximately half of the injuries involving grills are thermal burns. If you work with fire, there’s a chance of getting burned.
Only use BBQ grills outdoors and in ventilated areas.
Place the grill away from home or anything that could be flammable.
Keep grill stable.
Keep fire under control.
Keep children away from grill.
Never leave the grill unattended.
The grill lid should always be open before lighting it.
Grease should not be allowed to build up in the grill.
Use long-handled utensils.
Check the tank hose and connections for leaks before using it for the first time each year by using a light soapy water solution to see if bubbles appear.
If you smell gas when the grill is lit, move away from the grill and call the fire department.
If the flame goes out, turn off the gas for 15 minutes and open the lid before re-lighting it.
Never add any starter fluid or other flammable liquid to a fire.
Only use charcoal starter fluid and not gasoline, kerosene or other flammable liquid.
Keep starter fluid away from heat sources and out of reach of children.
Electric charcoal starters do not use fire but have a coil to ignite the coals.
When finished cooking, close off the grill vents to suffocate the fire and save some of the remaining charcoal.
Practice safe grilling and enjoy the occasions to cook outdoors and share with your family and friends.
Why would you consider refinancing if your mortgage is only two or three years old and the rate is not considerably higher than what is currently available on new loans? Because you may be able to eliminate the mortgage insurance and have significant monthly savings.
Many homes have seen their values rise in the past few years. The current loan-to-value ratio may be low enough to no longer require mortgage insurance. In some cases, a homeowner might actually pay a little higher rate than they currently have but lower their monthly payment dramatically because the mortgage insurance isn’t required.
A rough rule of thumb is that mortgage insurance is not needed on loans at or less than 80% of value. There could be programs available that would allow a higher LTV than 80%.
Careful consideration should also be given to the fees required to refinance. Lenders differ in not only the rates they charge but also the fees associated with the loans and the process. If you’d like a recommendation of a trusted mortgage professional, we’d be happy to make a recommendation.
Low inventories resulting in multiple offers are contributing to what experienced agents are calling the most challenging market they’ve ever worked. While buyers with resources may find the market difficult, purchasers with minimum cash and credit are struggling to find and get into a home.
First-time buyers feel the impetus to purchase because they’re renting and are concerned about being priced out of the market with rapidly appreciating prices and rising interest rates.
Sellers may not feel the same urgency because they already own a home. While they might find it appealing to change homes, they may not feel a pressing motivation causing them to act.
In some cases, sellers are so attached to their low interest rate mortgage that instead of selling, they’re keeping the home for a rental property. This may be a good investment for people with additional cash resources for the down payment and closing costs on the replacement property.
Why now is a good time to sell:
The economy is strong.
The majority of home sales occur in the months of May through September.
Many buyers find it preferable to move in the summer because their children are out of school and they can avoid the winter weather.
Mortgage rates are still very low but are starting to rise.
Current low inventories in most markets result in higher prices and less competition.
Contact your real estate professional to evaluate the opportunities of making a move.
Preserve the memories you’re making by taking photographs of your home now. The pictures will remind you of the role your home played with your family and life.
Reminiscing is easier when scrolling through pictures to remind you of people and times. One of the least heard regrets is that we should have taken more pictures.
Shots to consider:
The front of the home from across the street
Times when your yard and plants looked exceptional
Special occasions in the homes like birthdays, anniversaries, graduations, etc.
Major purchases for the home
Times when the home looked the best and the worst
Family, friends and pets in the home
Your children’s height marks on a door frame
The view from a favorite window
From an organizational standpoint, put the pictures in a folder with your address as the name. Even if you don’t take time to name each picture, you’ll have the file date to identify when it was taken. Since the cost of film and processing has disappeared, there is little reason not to chronicle your life in pictures.
We all know sales price is an important term, but it’s not the only term you and the seller will be negotiating. If a seller looks at two offers for exactly the same price on their home, there has to … Continue reading →