The Next Three Months: Best Time to Buy

DAILY REAL ESTATE NEWS

TUESDAY, OCTOBER 06, 2015

Low mortgage rates, declining home prices, and homes that are lingering on the market longer are three main reasons why the next three months could be the best time to buy so far this year, says Jonathan Smoke, realtor.com®’s chief economist.

“The spring and summer home-buying seasons were especially tough on potential buyers this year with increasing prices and limited supply,” Smoke says. “Buyers who are open to a fall or winter purchase should find some relief with lower prices and less competition from other buyers.”

The biggest challenge buyers will likely face buying in the next three months is the limited number of choices. There are fewer homes for-sale this fall than last year and housing inventory has already peaked for 2015, Smoke says.

In many markets, real estate is making its seasonal transition and is tilting in favor of home buyers lately.

Also, buyers are locking in low mortgage rates as the Federal Reserve continues to delay raising rates. For the past 10 weeks, the 30-year fixed-rate mortgage has averaged below 4 percent, according to Freddie Mac.

Here are some more factors pointing to a slowdown in the overall housing market:

  • Median home prices dropped 1 percent month-over-month in August (however, prices are still up 6 percent year-over-year).
  • Homes are staying on the market longer: The median age of home inventory is 80 days, up nearly 7 percent from August.
  • Mortgage applications dropped 6.7 percent week-to-week.

Source: “Mortgage Rates: Three Reasons to Buy in the Next Three Months,” Nerdwallet (Oct. 2, 2015)

Advertisements

‘Pub-Sheds’ Quickly Becoming Hot Trend in Backyard Entertainment

By Lighter Side Staff

Backyard sheds are a dime a dozen. Most of them are useful for lawnmowers, tools, or perhaps your hubby’s smelly old high school sports paraphernalia. However, there’s a growing trend of pub-sheds that not only allow you to calm your nerves after a hard day’s work, but to do so in style from your very own back yard.

So even if your budget doesn’t allow for a hidden swimming pool or a $2 Million Backyard Paradise, you can now have a fun backyard project to look forward to.

Have your guests relax on the swivel stools as you serve them in style.

Via Reader Sheds

This one has enough room for a hammock, just in case you need to crash after that extra glass of wine.

Via Reader Sheds

You’ll swear Marty McFly sapped you back to the 50’s. Banjo player not included.

Via Reader Sheds

Who can resist a Superbowl party with this shed?

Via Reader Sheds

Watching the stars on a wintery night has never been so cozy.

Via Reader Sheds

Now THIS is a ‘dog house’ you’ll be begging to stay in.

Via Reader Sheds

30 Real Estate Listing Photos That CAN’T Be Real (But Are)

mike-bell-authorBy Mike Bell

Selling a home is difficult enough, so why would you make it even harder with these awful listing photos?

Consider this a wacky collection of cautionary real estate tales — listing photos so bad you’ll cry from laughter. Be sure to file these under “laughter is the best medicine”, and consider it our contribution to your health plan.

1. This cozy room makes it impossible to get out of the wrong side of the bed each morning.

unreal-listing-photos-1

2. State of the art kitchen designed to accommodate people with particularly fast metabolisms.

unreal-listing-photos-2

3. Triple your bathroom efficiency!

unreal-listing-photos-3

4. This home will inspire your inner abstract expressionism.

unreal-listing-photos-4

5. Oh, haaay!

unreal-listing-photos-5

6. This marvelous estate features free nightmares for life.

unreal-listing-photos-6

7. What a lovely children’s room!

unreal-listing-photos-7

8. Candlelit baths are sooo overrated.

unreal-listing-photos-8

9. The positive: saves space! The negative: must wear hard hat when using the bathroom.

unreal-listing-photos-9

10. State of the art security system!

unreal-listing-photos-10

11. Depending on your mailman’s accuracy, your bills can automatically go right where they belong.

unreal-listing-photos-11

12. Owner’s last words: “Bring all offers!”

unreal-listing-photos-12

13. On a cold winter’s night, there’s nothing quite like a drawing of a log fire.

unreal-listing-photos-13

14. Won’t last long! Considerable interest already being shown. Mostly from horses.

unreal-listing-photos-14

15. Incontrovertible proof that no paranormal activity exists in this home.

unreal-listing-photos-15

16. You know what? Don’t step out of frame. Just hide behind the curtain.

unreal-listing-photos-16

17. Sorry, gravity does not convey.

unreal-listing-photos-17

18. Yeah, THIS one. This one’s really nice.

unreal-listing-photos-18

19. Previous buyers fell through, so submit your offer today!

unreal-listing-photos-19

20. As you can see, this room really livens up with a rug.

unreal-listing-photos-20

21. Liven this room up with a TV! As long as it’s a flat-screen. And you don’t mind going blind.

unreal-listing-photos-21

22. You don’t REALLY need a dining table.

unreal-listing-photos-22

23. At least we know the toilet works… right?

unreal-listing-photos-23

24. It’s not weird! It’s just to block the falling paint chips from the ceiling. It’s practical.

unreal-listing-photos-24

25. We can neither confirm or deny whether this room has ever been the subject of a crime scene investigation.

unreal-listing-photos-25

26. Perfect room for entertaining. Makeshift confetti conveys.

unreal-listing-photos-26

27. A room cozy enough for the most discerning monkey.

unreal-listing-photos-27

28. Fasten your seatbelts, this home will knock your socks off.

unreal-listing-photos-28

29. The only limit to this home’s possibility is your imagination. But first you’ll have to imagine the home.

unreal-listing-photos-29

30. Bathe in luxury. Unique “jail-style” window perfectly compliments asymmetrical tile pattern and “crime scene” accenting.

unreal-listing-photos-30

These photos were collected from Terrible Real Estate Photos. You can purchase their hilarious book on Amazon.

Top 10 Nutrient Packed Super Foods You Should Eat

red-bell-peppers-fresh-basil

Try these nutrient-packed foods that will help keep you healthy and feeling great from the inside out!

1. Blueberries

Did you know that much of the power of blueberries lies in their color? That deep-blue hue is a by-product of flavonoids — natural compounds that protect the brain’s memory-carrying cells (neurons) from the damaging effects of oxidation and inflammation. Since blueberries are one of the best sources of flavonoids you can find, it’s no surprise that this superfood has been shown to help preserve memory function. Blueberries, like other berries, also have a high water content, which makes them hydrating for your skin and other cells of the body.

2. Sardines

You may be surprised to find out that ounce-for-ounce sardines contain just as much heart-healthy omega-3 fat as salmon! Not to mention that they’re extremely low in contaminants, eco-friendly (so no need to worry about overfishing), packed with high-quality protein, and super affordable. If you buy canned sardines with the bones you’ll get a hefty dose of calcium, too.

3. Spinach

Popeye was definitely on to something — eating spinach even before we knew about superfoods! Spinach is filled with antioxidants, including vitamin C and beta-carotene, as well as lutein and zeaxanthin — a duo that acts like sunscreen for your eyes and guards against macular degeneration. One cup of fresh spinach leaves also provides almost double the daily requirement for vitamin K, which plays an important role in cardiovascular and bone health. And of course you can’t forget that spinach is a great vegetarian source of iron, which keeps your hair and nails strong and healthy. Use fresh spinach leaves as a base for salad or sauté it and add to an omelet.

4. Pistachio Nuts

Nuts offer a nutritious package of protein, fiber, and heart-healthy unsaturated fat, making them one of nature’s perfect foods. Pistachios are especially rich in phytosterols and soluble fiber — two natural plant compounds that have been shown to lower total and LDL (“bad”) cholesterol levels. Pistachios are my nut of choice when it comes to weight loss. Thirty pistachios will cost you only 100 calories (per nut, they’re the least caloric of all) and because they’re in a shell, eating them will slow you down!

5. Dark Chocolate

Believe it or not, chocolate is a healthy treat, as long as you choose wisely. Dark chocolate is rich in flavonoids, antioxidants that have been shown to lower blood pressure, improve blood flow, and boost overall heart health. Choose chocolate that is at least 70 percent cacao or cocoa to optimize the antioxidant power and health benefits. Dark chocolate may even boost your mood. While there’s no scientific explanation for why, the rich taste and sensuous mouth-feel of a decadent piece of dark chocolate may be to thank. Just be sure to keep your portions in check — one ounce of dark chocolate has about 150 calories.

6. Red Bell Peppers

A little known fact: one red bell pepper has twice as much vitamin C as an orange. Vitamin C is a powerful antioxidant that helps clear your body of free radicals and keeps your skin and blood vessels healthy and strong. The vitamin C in bell peppers may also help prevent arthritis or slow the progression of the disease. Red bell peppers also deliver beta-carotene and lycopene, two more antioxidants that have been associated with decreased risk of eye diseases like cataracts. And, thanks to their high water content, bell peppers of all colors are a high-volume, low-cal food that’s very figure-friendly.

7. Beans

Beans are a fabulous source of vegetarian protein and fiber, two nutrients that help you stay full and satisfied. The protein and fiber in beans also tempers the rise in blood sugar that occurs after a meal, which can help stabilize mood. The fiber in beans also helps keep you regular (every half cup serving adds another 7 g of fiber to you daily total) Beans are low in fat and a good source of magnesium and potassium, nutrients that work together to lower blood pressure and keep your heart and blood vessels healthy. Added bean bonus: They’re inexpensive! So stock up on canned, no-salt added varieties and add them to soups, salads, stews, and more!

8. Egg Whites

Egg whites are a versatile low-calorie, fat-free, high-quality protein choice. For only 17 calories you get 4 g of protein per egg white — talk about lean protein! Egg whites can help you maintain strong bones, muscles, nails, and hair. Plus, all that protein will help you stay satisfied for hours after a meal. Egg whites can be eaten hard-boiled on their own, enjoyed as a topping for salad, or substituted for whole eggs in egg salad; they can also be used as the base of a vegetable omelet or in place of whole eggs in baked goods.

9. Oats

You’ve probably heard that it’s good to eat oats if you have high cholesterol. That’s because whole grain oats are one of the best sources of soluble fiber, which, in addition to lowering cholesterol, helps keep blood sugar levels under control. Trade in your cream of wheat or sugary breakfast cereal for a bowl of wholesome oats topped with berries and chopped nuts for extra nutrition!

10. Pumpkin

Pumpkin is good for a lot more than carving jack-o’-lanterns on Halloween — it’s loaded with nutrients that will help your heart, bones, eyes, and skin. Beta-carotene and potassium are the two standouts here: Beta-carotene is an antioxidant that helps rejuvenate skin, protect your vision, and may even reduce risk of arthritis. Potassium is a mineral involved in lowering blood pressure and maintaining healthy bones. Use fresh or canned (no-sugar-added) pumpkin in stews, soups, pies, or pureed as a side dish — or add a scoop to some nonfat vanilla yogurt for a yummy snack.

Charlestown 2014 | A Rowhouse Reimagined

http://www.thisoldhouse.com/toh/tv/video/0,,20873619,00.html

After five months of work in Charlestown, the exterior is nicely restored thanks to a new dormer, windows, shutters, and front entry. Inside, Kevin finds systems integrator Greg Smizer test-driving the new internet-based security system, wireless music system and remote controlled window shades with solar battery back up. Norm meets closet designer Brian McSharry to see the pros and cons of designing a closet around a window. Richard shows Angela the basics of cooking with induction technology—her new cooktop relies on a magnetic field to generate heat within the pots and pans, instead of a traditional heating element. Norm meets up with Richard in the partially unfinished basement to see the mechanical room, where the systems integrate to provide comfort for the whole house. Kevin checks out Angela’s new outdoor kitchen: powder coated stainless steel cabinets, a gas grill, and soapstone countertops. On the third floor, Kevin finds Angela and her mission accomplished: a serene master suite retreat where she can rest and relax. On the second floor, interior designer Kathy Marshall shows Norm the changes to the guest room, guest bath and bold new living room painted cranberry red, even on the ceiling. Downstairs, Kathy joins Angela and Kevin to see the former dining room transformed into a sophisticated sitting room, and all of the details of the new kitchen: cabinetry, tile, storage, a splashy new powder room, and the window seat addition that was worth all of the hard work

These 32 Hilarious Letters Written To Annoying Neighbors Will Make You LOL

By Lighter Side Staff  |

Have you ever had a neighbor that just can’t take a hint? Maybe they do things that are annoying, or are just downright obnoxious. And no matter how many times you tell them in passing, they can’t seem to take a hint? Well, you’re not alone.

Check out these 32 letters from neighbors who have just had enough. They’re a great way to stoke your own creativity.


1. Passive aggression has never been so supportive.

Via passiveaggressivenotes.com

2. Must be that “skunk” variety.

Via Imgur

3. Seriously. Can’t you take it out on Jerry Springer and leave us in peace?

Via Reddit

4. Ahh, using the pet. Good angle.

Via someecards.com
5. Laziness is no excuse.
Via Imgur

6. Good to know they care.

Via No Way Girl

7. Maybe they should send a peace offering of dandelion salad?

Via passiveaggressivenotes.com

8. Yeah… because that’s a common urban hazard.

Via Tumblr | kaleidoscope

9. Must be a chihuahua.

Via Imgur

10. They must have Dr. Ruth for a neighbor.

Via 22 Words

11. Apparently someone was a little too devilish in the bedroom.

Via Tumblr

12. Someone’s taking that “eye for an eye” thing pretty literally.

Via Tumblr

13. Pink flamingos take blue police officer. Check.

Via Imgur

14. But, we’d really rather “natzi” your sexy times.

Via Imgur

15. There is honor among gas thieves.

Via Imgur

16. Ballsy response.

Via passiveaggressivenotes.com

17. That’s certainly one way to leave a lasting impression.

Via combineglitch.tripod.com

18. This neighbor didn’t beat around the bush.

Via 22 Words

19. Pretty sure those aren’t the lyrics.

Via passiveaggressivenotes.com

20. Sometimes you just have to chalk it up to inconsiderate dog owners.

Via 22 Words

21. Smooth move Zack.

Via comedy.com

22. “Be vewwy vewwy quiet… I’m huntin rooster.”

Via passiveaggressivenotes.com

23. Bet you 10 to 1 this house is still on the market.

Via Funny Pictures Ever

24. Sometimes, aggressive letters can backfire.

Via passiveaggressivenotes.com

25. Save some face with WD-40.

Via Tumblr | Roxy Sierra

26. Perfect set up for this pun.

Via Imgur

27. Everyone’s a critic. Though some are subtler than others.

Via passiveaggressivenotes.com

28. Pretty sure some guy named Zack (from #22) that will trade you apartments.

Via Reddit

29. Sometimes the best way to settle is to get on the same level.

Via passiveaggressivenotes.com

30. Rule #1: Make sure you know who the culprit is.

Via Reddit

31. The ultimate in passive aggressive!

Via passiveaggressivenotes.com

32. How to crash and burn as a package thief.

Via dailydawdle.com

Out-Of-Work House Contractor Plows Through His Own Home On Purpose… And Now He Has Some Work

By Lighter Side Staff

John Paul Jones, Jr., a house contractor in Georgia, has managed to redefine our definition of road rage. After a heated conversation with his wife, he decided to get some extra renovation practice by driving his truck through his house. When adding the cost of the home repair, the truck repair, and the likely divorce process, this is one case where a therapist might have been just a bit less expensive.

When Jones was on camera about the incident, he proudly stated, “I’m just saying, don’t dare me because I will do it.” He also mentioned that he hasn’t had work in a year and a half. We can’t imagine why.

http://www.kctv5.com/clip/11505438/man-drives-truck-through-his-house-on-purpose

The 11 Kinds Of People Who Ruin Brunch For Everyone

 |  By r

 

There are good brunchers, and there are bad brunchers.

Good brunchers understand the privilege of a bottomless brunch. They judiciously Instagram their dishes and they always appreciate the beauty of perfectly poached eggs.

Bad brunchers, well, they’re a loathsome bunch. They spill sacred bloody Marys on their shirts. They’re either horrifically hungover or grotesquely belligerent. These are the people who ruin brunch for everyone.

Watch Zagat’s video above for examples of every type of bad bruncher under the sun. Beware: it may hit a bit too close to home.

8 Tips For Finding Your New Home

By: G. M. Filisk

A solid game plan can help you narrow your homebuying search to find the best home for you.

House hunting is just like any other shopping expedition. If you identify exactly what you want and do some research, you’ll zoom in on the home you want at the best price. These eight tips will guide you through a smart homebuying process.

1.  Know thyself.

Understand the type of home that suits your personality. Do you prefer a new or existing home? A ranch or a multistory home? If you’re leaning toward a fixer-upper, are you truly handy, or will you need to budget for contractors?

2.  Research before you look.

List the features you most want in a home and identify which are necessities and which are extras. Identify three to four neighborhoods you’d like to live in based on commute time, schools, recreation, crime, and price.

3.  Get your finances in order.

Generally, lenders say you can afford a home priced two to three times your gross income. Create a budget so you know how much you’re comfortable spending each month on housing. Don’t wait until you’ve found a home and made an offer to investigate financing.

Gather your financial records and meet with a lender to get a prequalification letter spelling out how much you’re eligible to borrow. The lender won’t necessarily consider the extra fees you’ll pay when you purchase or your plans to begin a family or purchase a new car, so shop in a price range you’re comfortable with. Also, presenting an offer contingent on financing will make your bid less attractive to sellers.

4.  Set a moving timeline.

Do you have blemishes on your credit that will take time to clear up? If you already own, have you sold your current home? If not, you’ll need to factor in the time needed to sell. If you rent, when is your lease up? Do you expect interest rates to jump anytime soon? All these factors will affect your buying, closing, and moving timelines.

5.  Think long term.

Your future plans may dictate the type of home you’ll buy. Are you looking for a starter house with plans to move up in a few years, or do you hope to stay in the home for five to 10 years? With a starter, you may need to adjust your expectations. If you plan to nest, be sure your priority list helps you identify a home you’ll still love years from now.

6.  Work with a REALTOR®.

Ask people you trust for referrals to a real estate professional they trust. Interview agents to determine which have expertise in the neighborhoods and type of homes you’re interested in. Because homebuying triggers many emotions, consider whether an agent’s style meshes with your personality.

7.  Be Realistic

It’s OK to be picky about the home and neighborhood you want, but don’t be close-minded, unrealistic, or blinded by minor imperfections. If you insist on living in a cul-de-sac, you may miss out on great homes on streets that are just as quiet and secluded.

On the flip side, don’t be so swayed by a “wow” feature that you forget about other issues — like noise levels — that can have a big impact on your quality of life. Use your priority list to evaluate each property, remembering there’s no such thing as the perfect home.

8.  Limit the opinions you solicit.

It’s natural to seek reassurance when making a big financial decision. But you know that saying about too many cooks in the kitchen. If you need a second opinion, select one or two people. But remain true to your list of wants and needs so the final decision is based on criteria you’ve identified as important.