Month: February 2023

Homeowners Insurance

? Homeowners insurance is an important part of protecting your home and possessions. There are several factors that can affect the cost of your homeowners’ insurance, including:

?‍♂️ Location – Premiums will be higher in areas where there is a higher risk of natural disasters, such as hurricanes or flooding.

? Age of Home – Older homes may require more coverage due to their age and the potential for damage.

? Building Materials – Homes built with sturdier materials like brick or concrete will generally have lower premiums than those with less durable materials like wood.

What is a HELOC?

A Home Equity Line of Credit (HELOC) is a great way to tap into the equity of your home and gain access to funds for big expenses. Here are 4 key points to consider:
1. A HELOC can provide you with greater financial flexibility, giving you access to necessary funds when needed.
2. Your HELOC is secured by the equity in your home, so you can usually borrow at lower interest rates than other forms of credit.
3. Unlike a traditional loan, with a HELOC you only pay on the amount that you draw from the line – not on the entire credit limit.
4. With a HELOC, you could also typically use the funds to make home improvements, consolidate debt, or cover other large expenses.
At the end of the day, a HELOC can provide financial flexibility that may not be possible with other forms of credit. Do your research and talk to an expert to figure out if a line of credit is the right option for you. Happy learning!

Money mistakes to avoid

As a homeowner, it’s important to be aware of all the money mistakes you can make in order to keep your finances in check. Here are five unique money mistakes to avoid when owning a home:
✅ Research home improvement costs before taking on projects
✅ Set aside an emergency fund
✅ Shop around for insurance
✅ Consider energy-efficient upgrades
✅ Take advantage of tax deductions
Being a homeowner can be an expensive endeavor, so make sure to avoid these five money mistakes in order to keep your finances in check.
What money mistakes have you encountered as a homeowner? Share your experiences in the comments below!

Spanish Trailhouse

Come out and support our local theatre! This is the first of several productions for 2023.

Tickets for “I Love You, You’re Perfect, Now Change” are on sale NOW! Progress through all relationships–from awkward first dates, to marital bliss and baby talk, to contemplation of divorce! Jam-packed with relatable songs and scenes like “Single Man Drought,” “On the Highway of Love” and “Funerals are for Dating.” An insightful and hilarious musical, this show will have audiences shouting, “This is my life!”
PRODUCTION DATES: March 9-12, 2023
ADVISORY: This show contains adult situations, language, and mature humor. Recommended for mature audiences only.
Visit www.spanishtrailplayhouse.com for tickets and more information.
I LOVE YOU, YOU’RE PERFECT, NOW CHANGE is produced by special arrangement with Concord Theatricals, Inc. www.concordtheatricals.com

To build or buy

Creating a home from scratch or purchasing an existing one is an exciting but complicated decision. Whether you’re looking to move into your first place, need more space for your expanding family, or want to own an investment property, it pays off to consider the pros and cons of each option.
Build Pros:
1. You can customize the design and style of your home to meet your unique needs
2. You have the flexibility to choose materials, finishes, and features that will fit within your budget
3. Building a home increases its value over time
4. Investing in a newly-built property may qualify you for tax deductions
Build Cons:
1. It may take longer to build a home than buy one
2. The costs of construction and materials can increase the initial budget you have set aside
3. You’ll need to factor in unexpected expenses like inspections, permits, and potential delays due to bad weather
4. You may struggle to find a neighborhood or location that fits the house you want
Buy Pros:
1. Buying an existing home can save time since you won’t need to wait for your property to be built
2. You have an opportunity to inspect the property before signing on the dotted line
3. You may be able to negotiate a lower price if you are willing to take on certain repairs
4. You can move into your new home right away and start enjoying it right away
Buy Cons:
1. An existing property may need repairs or renovations that could strain your budget
2. You may have limited options for customization
3. You may miss out on certain tax deductions you would get from building a home
4. It can be difficult to find a property in the location that meets your needs and budget
Whichever option you choose, it’s important to do your research and explore all of the possibilities before deciding. With the right resources and professional advice, you can create or purchase a home that meets your needs and fits your budget. Let’s connect to help you decide

Healthy habits

It’s important to cultivate healthy home habits for better physical and mental well-being. From setting up a comfortable and organized workspace to making time for self-care activities like yoga or reading a book, small changes can make a big difference! Here are some tips to help you create more balance in your home:
1. Start each day with a morning routine that helps you feel focused and energized.

2. Set aside dedicated time for physical exercise, even if it’s just 10 minutes of stretching or yoga at home.

3. Make sure your workspace is comfortable, organized, and inspiring – this will make it easier to stay productive throughout the day.

4. Take regular breaks throughout the day and use that time to practice mindful breathing or go for a walk outside.

5. Spend quality time with your family and encourage each other to take part in activities like board games or cooking together.

6. Unplug from technology at least an hour before bed, and instead spend that time reading a book or engaging in relaxing activities.

Creating healthy home habits will help you feel more balanced and energized, so why not give it a try today?

Color trends

2023 is just around the corner and HGTV & Sherwin Williams has done it again!

They’ve revealed their Color Trends Forecast for the new year, which features a warm, neutral palette with colors ranging from confident warms browns to soft blacks.

This modern take on color will bring a sense of freshness and sophistication to any room.

Get ready to make a statement in 2023 with the timeless and thoughtfully-curated color palette.