TLC Real Estate



Posted by TLC Real Estate on 1/28/2022

Image by Rudy and Peter Skitterians from Pixabay

If you're like many busy gardeners, your garden shed isn't as organized as it could be. Perhaps you've been telling yourself for quite some time that you're going to get around to giving it an organizational makeover but run short on inspiration whenever you try to brainstorm a game plan. You've probably got items in and around your home that can easily be repurposed as containers for various garden supplies in your garden shed. Following are just five suggestions and how they can be used. 

Milk Crates

Milk crates make excellent all-purpose containers for a variety of items. Because they're stackable and easily labeled, you can easily customize them to meet your individual needs and preferences. They're good for keeping bottles and boxes of garden chemicals organized. Simply stack them in a corner or along a wall with the labels facing outward.

Bushel Baskets

If you buy fruit in bulk from a local orchard, you probably have a few stray bushel baskets hanging around waiting to be used for something. They're ideal for storing loose potting soil. For instance, when you're cleaning up your hanging baskets, window boxes and other containers after the season is over, you can easily empty the potting soil into bushel baskets so you can use it again in the spring. 

Toy Chests

Have your children outgrown their toy chests? If so, you can use them in your garden shed to store a variety of things. They're good for keeping garden sweaters and gloves handy, and they can also be used as dry storage for seeds. You can even keep a few snacks in them to keep them safe from rodents or bugs. 

Flower Pots and Planters

Keeping a few empty flower pots that you no longer use on hand provides an ideal catch-all place for any stray items that you aren't quite sure what to do with. Think small items such as plant tags, half-full seed packets and even the occasional garden glove that doesn't seem to have a mate can all find temporary homes in an empty flower.

Bookshelves 

If a recent or current home remodeling project leaves you with some stray bookshelves, consider installing them in your garden shed. They're excellent places for storing all sorts of items from boxes or fertilizer to a few gardening books and magazines. Placing one of them as high as possible helps keep dangerous garden chemicals, such as weed killer, out of the reach of curious young minds and hands. 

You'd be surprised at how many ordinary household items can be repurposed for storage in your garden shed. Perhaps the best thing about it is that the creative aspect makes it a fun adventure rather than just another home maintenance chore. 




Tags: organization   storage   gardening  
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Posted by TLC Real Estate on 1/21/2022

Photo by Yavyav via Shutterstock

Whatever your priorities are, before you take on the purchase of a home, answer these questions for yourself:

  • Why do you want to purchase a house? Is it for financial reasons? Is it less expensive than paying rent? Until you’re certain about your reasons for buying, take it slow and make a plan. It’s your money, your time and your effort that goes into maintaining a home. Buying for the wrong reasons leads to buyers’ remorse and dissatisfaction.
  • Where do you want to own a home? Is extra land important to you? Or, do you want to be near other family members? Farther away? Can your lifestyle support the commute? Buying a house that requires an extensive commute changes your life in ways you may not foresee. Moving away from friends, entertainment and shopping areas you enjoy can tarnish the pleasure of a new home. Pick your location based on what you want most, even if it means a smaller house or less land.
  • What type of home do you want? Do you prefer a maintenance-free condominium with a view? A single-family home in an HOA-controlled neighborhood? A townhouse with an attached garage and street-level entry? Be clear about what living style suits you. If hearing the neighbor’s alarm clock raises your stress level, a flat-style condominium or attached townhome might not be the best option for you. A duplex with only adjoined garages could fit the bill nicely though. Let your agent know which things are deal-breakers and which are merely preferences.

Once you decide, with absolute certainty, what you want, you can set about finding just the right home in the best location at the correct time and for the optimal price. When it’s right, you’ll know it. Start by finding the right agent. Reach out today for a consultation.




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Posted by TLC Real Estate on 1/14/2022

A yard sale offers a valuable opportunity to get rid of items before you sell your house. As such, it is important to promote your yard sale effectively; otherwise, you may miss out on a chance to declutter and earn extra cash at the same time.

Ultimately, there are many quick, easy ways to stir up interest in your yard sale, such as:

1. Post flyers in your city or town

Old-fashioned flyers can help you promote your yard sale to large groups of people in your city or town. That way, you can create a buzz around your event and increase the likelihood of selling your stuff.

If you use flyers to promote your yard sale, be sure to include essential information like the location, date and time of your event. Also, using bright, vibrant paper and colorful markers may help your flyers stand out.

Ensure that all of your yard sale flyers are legible, accurate and easy to understand. This will help minimize the risk of miscommunication with potential event attendees.

Of course, it never hurts to ask business owners for permission to post flyers at local companies, either. The more flyers that you post, the more likely it becomes that your yard sale will be a resounding success.

2. Create an online posting

An online posting makes it simple for you to provide details about your yard sale to large groups of people.

Putting an online posting on Craigslist or local community websites may prove to be worthwhile. And in some instances, you may even be able to include photos of items that you plan to sell at your yard sale.

In addition, invite friends on Facebook and other social networks to attend your upcoming yard sale. By doing so, you can boost your chances of stirring up substantial interest in the days leading up to your event.

3. Select the right date and time

Oftentimes, Saturdays and Sundays are the best days to host a yard sale, and for good reason. Many people don't have to work on weekends, and as a result, may have free time to attend your yard sale.

After you know which day of the week that you want to host your yard sale, consider the date and time of your event closely.

Take a look at the holiday calendar, and you should have no trouble selecting a yard sale date that works well for most people in your area.

Think about the time of your yard sale too. And remember, if you host a yard sale that coincides with local community events, it may be difficult for some people to attend.

Lastly, if you need extra help stirring up interest in your yard sale, don't hesitate to reach out to your real estate agent. This housing market professional may be able to share details about your upcoming yard sale with clients and colleagues.

Generating buzz in a yard sale can be easy, and with the aforementioned tips, you can stir up plenty of interest in your event.




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Posted by TLC Real Estate on 1/7/2022

Image by Jojje from Shutterstock

Many people own homes through a mortgage agreement. Traditional mortgages are primarily fully amortized or gradually paid off with regular payments over the lifetime of the loan. Each payment contributes to both the principal and the interest.

A balloon mortgage is a short-term home loan with fixed-rate monthly payments that only take care of accrued interest on the loan for a set period. It also has a large “balloon” payment to cover the rest of the principal.

The payment plan is based mainly on a fifteen- or thirty-year mortgage, with small monthly payments until the due date for the balloon payment. These low regular payments partly cover the loan but require paying the remainder of the unpaid principal as a lump sum. Selling the house or refinancing the balloon loan before the payment is due is how most buyers approach this situation.

Key Issues with Balloon Mortgages

Lenders present a deadline by which the balloon payment is due (three- to seven-year period). The enormous amount is often more than borrowers can easily handle at once.

Paying only interest on a loan does not allow equity to build. Many homeowners use equity as a means to complete home improvements or other projects. Building equity also helps homeowners when it comes time to sell their home because a traditional mortgage reduces over time. 

Why People Opt for Balloon Loans

It is possible to refinance a balloon mortgage or sell the property before the balloon payment is due but it can be difficult to do so. A dry housing market, job loss, or low credit score are potential obstacles. Lay-offs and depressed home values can trap buyers in their balloon loans. Without the option to sell, refinance, or fulfill their balloon payments, borrowers may end up in foreclosure.

The One True Strategy

Traditional loans are generally safer than balloon mortgages. To keep housing costs at a minimum, use a balloon mortgage if you are sure you can exit before the balloon payment comes due. Otherwise, it is best to remain in the realm of traditional loans.

Review the pros and cons of taking a balloon loan before committing to it. Speak to your financial planner or realtor for professional guidance.




Tags: Mortgage   Financing   homebuyers  
Categories: Uncategorized  


Posted by TLC Real Estate on 12/31/2021

Image by Suphaksorn Thongwongboot from Shutterstock

When relocating to a new home, you’ll need to plan to pack, hire movers, and to change your address with the post office but don’t forget to update your car insurance. If you’re moving to a new state or just to a new zip code, you will have to make some changes to your insurance to ensure you’re covered at your new residence.

Do You Have to Change Your Car Insurance When You Move?

Each state, and sometimes counties and cities, set the requirements for auto insurance coverage. Some states require a higher level of accident coverage, while others may require a coverage lower than what you already have. You need to adjust your policy to suit the demand of the state. If your current coverage meets the requirements, your premiums may still change. 

Decide on an Insurance Provider

As soon as you are confident you will move, contact your insurance company to see if they conduct business in your new state. Ask your insurance agent about the rules of your prospective state and if you need to change your policy. Doing this early gives you enough time to make the necessary adjustments and have them in place for when you move. If the company you use does not operate in your new state, take some time to research your options. 

Insurance costs vary from one carrier to the next because each company emphasizes different factors that might affect your vehicle in your new location. If you need to change your current insurance company, plan to compare prices and policies from at least three different carriers before deciding on which provider you want.

No-Fault Coverage

Some states in the US require car owners to have "no-fault" insurance coverage. No-fault coverage means that a car owner's insurance company covers any loss, medical bill, or funeral expenses caused by a car accident irrespective of whose fault the accident was (yours or the other driver). You have to find out if your new state has such a law so that you can put the required coverage in place.

Insurance Premiums

Insurance companies factor the chances of various events occurring before determining your premium. Relocating to another state might increase or decrease the likelihood of you making a claim due to theft, vandalism, or accidents. If you move from a small town to a larger city, it is likely your payments will increase. 

For more clarification on your car insurance, speak to an agent in your insurance company before the day of the move. Your realtor can recommend the best options for you to choose from in your new location, so add that to your talking points for the next meeting.




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