A common question real estate agents are asked is, “What is the difference between a broker price opinion or property valuation and an appraisal?”
A broker price opinion or property valuation is typically completed by a real estate agent or broker; they do not have to be a licensed real estate appraiser. However, don’t underestimate the real estate broker as they are typically professionally qualified in their market to give you a professional opinion of a property’s value based on recent market activity. To determine an estimated value for your property, they will find comparable properties in the market area and base their opinion of value on sales prices and sales dates. This is how a real estate agent determines a listing price for a property. They are basing their opinion on the actions of buyers and sellers in the market.
A real estate appraisal is along the same premise but a bit more complex and detailed. It must be conducted by a state licensed real estate appraiser and adhere to the Uniform Standards of Professional Appraisal Practiceor better known as USPAP. Appraisers can use one or all three approaches to value: Sales Comparison, Income, and Cost. Most residential properties will utilize the sales comparison approach. This approach is much like the broker price opinion as it relies on the recent sales price of comparable properties in the market. However, an appraiser offers a detailed analysis of the property and comparables. Adjustments will be made to the comparables for dissimilarities with the property being appraised (often referred to as the subject). They then use the adjusted sales prices of the comparables to determine a concluded value for the subject. In order to get a mortgage, a lender will usually require a full appraisal.
Both methods serve their purpose in the market. The broker price opinion helps sellers determine a realistic sales price for their property and the appraisal reaffirms that the purchase price is within a market acceptable range.
Contact Stutesman Action Realty, 833.286.8400, today for your broker price opinion and get your property listed and sold.
Home inspectors go where none of us particularly wants to go—into all the nooks and crannies around our homes, both inside and out. So you can bet that they’ve seen it all. You know—all that stuff that you don’t want to think about happening in those dark and creepy spaces.
Wait, actually we do want to know. (Is it masochism?) So we asked home inspectors who’ve been in the biz for a long time—and boy, did they deliver, with stories ranging from Stephen King–level horror to just downright weird. Check out some of the crazy things these home inspectors have witnessed. It’s all in a day’s work!
It’s a zoo in there
“Some of the nastiest stuff we find is animals—dead ones in attics or crawl spaces, which are always disgusting, and live ones, which are always scary,” says Reuben Saltzman, president of Structure Tech Home Inspections in Minneapolis. “In Minnesota, we usually find raccoons and squirrels, and inspectors in the Southern part of the country find a lot worse.”
There have been drowned frogs under water heaters, cooked mice in furnaces, frozen porcupines in crawl spaces, and dead fish on a roof. Was it a bird that somehow dumped it there, or something weirder, Saltzman wonders?
“We’ve also found wasp’s nests the size of basketballs inside of attics, and in the basement at the ceiling rim joist, and homeowners who didn’t know they had wasps,” Saltzman adds.
Bruce Barker, founder and president of Dream Home Consultants, in Cary, NC, has collected close to 6,000 photos documenting things like fried lizards and mice inside electrical panels, snakes in basements and crawl spaces, and even a black widow spider.
“We’ve found termite tubes hanging down from the ceiling. Termites need soil to travel and live, so they build tubes out of mud,” he explains. “It looked like there were stalactites hanging down.”
Then, of course, there’s the mass quantities of bird poop, which is nasty, toxic stuff.
“One of the craziest things that I’ve ever seen was a boat trailer being used as the foundation for a home,” Saltzman recalls.
“In the crawl space, I saw a tire half-embedded in concrete. I had to stare at it for a little while to figure out what I was looking at,” he says. “And I realized the whole addition was built on top of a trailer.”
Sometimes projects are half-finished, or half-baked, like a deck being held up by a single, wobbly post.
“This puts the ‘can’t’ in ‘cantilever,’” Saltzman quips about one memorable photo featuring a doomed deck.
Perilous plumbing solutions
Saltzman frequently discovers homeowners have tried to fix leaky plumbing with whatever materials they have on hand. Contrary to popular belief, duct tape does not, in fact, fix leaky pipes, shower wall tiles, or drains, he says.
This sparked some concern.
“People will use caulk, radiator hoses, hose clamps, vice grips—just the craziest stuff—to keep water from coming out of a place where it shouldn’t,” he says.
Perhaps the most alarming things home inspectors come across involve electrical systems and outlets in a home, Barker says.
“I’ve seen people not putting the wire connections in boxes, and just leaving them hanging out. If I had a dollar for every one of those, I wouldn’t have to crawl through crawl spaces anymore,” he says, noting that this is a major fire hazard.
Also in the “What were they thinking?!” department: Another home featured rows of Christmas lights strung directly over a pool (see image above). When the water fountain feature is activated, the swimmers beneath could get seriously injured from electrocution.
One homeowner strategically placed a basketball net with its glass backboard leaning against the roof, making it the ideal magnifying glass fire-starter on a blazing sunny day. Saltzman has also seen a roof so covered in moss and plant debris, it should have been mowed.
Barker has been amazed to see turbine vents in older houses that have lost their covers, unbeknown to the homeowners, or worse, have been covered with strange things—like an upside-down Halloween candy bucket.
Makeshift chimney repairs are often laughably ineffective, adds Barker, who has seen flammable asphalt material used to fix crumbling chimneys.
Weird and wacky windows
In older homes, it’s not uncommon to find wooden window frames that have seen better days, Saltzman notes. What’s odd are the homeowners who think up outlandish ways to fix them.
“One of my favorite photos of all time was taken 15 years ago: Somebody had taken spray foam to fill in all the rotted wood, and then cut the spray foam to match the profile of the wood, which they painted to match,” he recalls.
Other head-scratching discoveries Saltzman’s team has made include a mysterious pile of leaves in the attic, scissors embedded in an electrical panel, a downspout aimed squarely at an electrical outlet, a roof fascia repaired with a hockey puck, and a bunch of unopened bags of insulation in an attic. (Pro tip: A home will always be warmer when insulation is actually laid out and not trapped in plastic.)
It’s not just horrifying for the home inspectors—all this weird stuff could kill a deal. Once potential buyers see things like mushrooms growing out of a floor drain, a crawl space filled with animal excrement and spider webs, or frost in the attic, they’ll wonder what else hasn’t been maintained, Saltzman says. And often, they’ll be spooked enough to walk away.
“We’ve got about 20 inspectors on my team,” he says, “and between all of us, every day someone decides they’re not buying a house based on what we found.”
You’ve decided it’s time to buy a new home, but are a bit overwhelmed with all the terminology! Need a crash course on real estate terms? Our friends at Zillow created this amazing glossary to help you get started!
DTI, PMI, LTV … TBH, it can be hard to keep all this stuff straight. This lexicon of real estate terms and acronyms will help you speak the language like a pro.
Appraisal management company (AMC): An institution operated independently of a lender that, once notified by a lender, orders a home appraisal.
Appraisal: An informed, impartial and well-documented opinion of the value of a home, prepared by a licensed and certified appraiser and based on data about comparable homes in the area, as well as the appraiser’s own walkthrough.
Approved for short sale: A term that indicates that a homeowner’s bank has approved a reduced listing price on a home, and the home is ready for resale.
American Society of Home Inspectors (ASHI): A not-for-profit professional association that sets and promotes standards for property inspections and provides educational opportunities to its members. (i.e., Look for this accreditation or something similar when shopping for a home inspector.)
Attorney state: A state in which a real estate attorney is responsible for closing.
Back-end ratio: One of two debt-to-income ratios that a lender analyzes to determine a borrower’s eligibility for a home loan. The ratio compares the borrower’s monthly debt payments (proposed housing expenses, plus student loan, car payment, credit card debt, maintenance or child support and installment loans) to gross income.
Buyers market: Market conditions that exist when homes for sale outnumber buyers. Homes sit on the market a long time, and prices drop.
Cancellation of escrow: A situation in which a buyer backs out of a home purchase.
Capacity: The amount of money a home buyer can afford to borrow.
Cash-value policy: A homeowners insurance policy that pays the replacement cost of a home, minus depreciation, should damage occur.
Closing: A one- to two-hour meeting during which ownership of a home is transferred from seller to buyer. A closing is usually attended by the buyer, the seller, both real estate agents and the lender.
Closing costs: Fees associated with the purchase of a home that are due at the end of the sales transaction. Fees may include the appraisal, the home inspection, a title search, a pest inspection and more. Buyers should budget for an amount that is 1% to 3% of the home’s purchase price.
Closing disclosure (CD): A five-page document sent to the buyer three days before closing. This document spells out all the terms of the loan: the amount, the interest rate, the monthly payment, mortgage insurance, the monthly escrow amount and all closing costs.
Closing escrow: The final and official transfer of property from seller to buyer and delivery of appropriate paperwork to each party. Closing of escrow is the responsibility of the escrow agent.
Comparative market analysis (CMA): An in-depth analysis, prepared by a real estate agent, that determines the estimated value of a home based on recently sold homes of similar condition, size, features and age that are located in the same area.
Compliance agreement: A document signed by the buyer at closing, in which they agree to cooperate if the lender needs to fix any mistakes in the loan documents.
Comps: Or comparable sales, are homes in a given area that have sold within the past six months that a real estate agent uses to determine a home’s value.
Condo insurance: Homeowners insurance that covers personal property and the interior of a condo unit should damage occur.
Contingencies: Conditions written into a home purchase contract that protect the buyer should issues arise with financing, the home inspection, etc.
Conventional 97: A home loan that requires a down payment equivalent to 3% of the home’s purchase price. Private mortgage insurance, which is required, can be canceled when the owner reaches 80% equity.
Conventional loan: A home loan not guaranteed by a government agency, such as the FHA or the VA.
Days on market (DOM): The number of days a property listing is considered active.
Depository institutions: Banks, savings and loans, and credit unions. These institutions underwrite as well as set home loan pricing in-house.
Down payment: A certain portion of the home’s purchase price that a buyer must pay. A minimum requirement is often dictated by the loan type.
Debt-to-income ratio (DTI): A ratio that compares a home buyer’s expenses to gross income.
Earnest money: A security deposit made by the buyer to assure the seller of his or her intent to purchase.
Equity: A percentage of the home’s value owned by the homeowner.
Escrow account: An account required by a lender and funded by a buyer’s mortgage payment to pay the buyer’s homeowners insurance and property taxes.
Escrow agent: A neutral third-party officer who holds all paperwork and funding in trust until all parties in the transaction fulfill their obligations as part of the transfer of property ownership.
Escrow state: A state in which an escrow agent is responsible for closing.
Fannie Mae: A government-sponsored enterprise chartered in 1938 to help ensure a reliable and affordable supply of mortgage funds throughout the country.
Federal Reserve: The central bank of the United States, established in 1913 to provide the nation with a safer, more flexible and more stable monetary and financial system.
Federal Housing Administration (FHA): A government agency created by the National Housing Act of 1934 that insures loans made by private lenders.
FHA 203(k): A rehabilitation loan backed by the federal government that permits home buyers to finance money into a mortgage to repair, improve or upgrade a home.
Foreclosure: A property repossessed by a bank when the owner fails to make mortgage payments.
Freddie Mac: A government agency chartered by Congress in 1970 to provide a constant source of mortgage funding for the nation’s housing markets.
Funding fee: A fee that protects the lender from loss and also funds the loan program itself. Examples include the VA funding fee and the FHA funding fee.
Gentrification: The process of rehabilitation and renewal that occurs in an urban area as the demographic changes. Rents and property values increase, culture changes and lower-income residents are often displaced.
Guaranteed replacement coverage: Homeowners insurance that covers what it would cost to replace property based on today’s prices, not original purchase price, should damage occur.
Homeowners association (HOA): The governing body of a housing development, condo or townhome complex that sets rules and regulations and charges dues and special assessments used to maintain common areas and cover unexpected expenses respectively.
Home equity line of credit (HELOC): A revolving line of credit with an adjustable interest rate. Like a credit card, this line of credit has a limit. There is a specified time during which money can be drawn. Payment in full is due at the end of the draw period.
Home equity loan: A lump-sum loan that allows the homeowner to use the equity in their home as collateral. The loan places a lien against the property and reduces home equity.
Home inspection: A nondestructive visual look at the systems in a building. Inspection occurs when the home is under contract or in escrow.
Homeowners insurance: A policy that protects the structure of the home, its contents, injury to others and living expenses should damage occur.
Housing ratio: One of two debt-to-income ratios that a lender analyzes to determine a borrower’s eligibility for a home loan. The ratio compares total housing cost (principal, homeowners insurance, taxes and private mortgage insurance) to gross income.
In escrow: A period of time (30 days or longer) after a buyer has made an offer on a home and a seller has accepted. During this time, the home is inspected and appraised, and the title searched for liens, etc.
Jumbo loan: A loan amount that exceeds the Fannie Mae/Freddie Mac limit, which is generally $425,100 in most parts of the U.S.
Listing price: The price of a home, as set by the seller.
Loan estimate: A three-page document sent to an applicant three days after they apply for a home loan. The document includes loan terms, monthly payment and closing costs.
Loan-to-value ratio (LTV): The amount of the loan divided by the price of the house. Lenders reward lower LTV ratios.
Market value coverage: Homeowners insurance that covers the amount the home would go for on the market, not the cost to repair, should damage occur.
Mechanic’s lien: A hold against a property, filed in the county recorder’s office by someone who’s done work on a home and not been paid. If the homeowner refuses to pay, the lien allows a foreclosure action.
Mortgage broker: A licensed professional who works on behalf of the buyer to secure financing through a bank or other lending institution.
Mortgage companies: Lenders who underwrite loans in-house and fund loans from a line of credit before selling them off to a loan buyer.
Mortgage interest deduction: Mortgage interest paid in a year subtracted from annual gross salary.
Mortgage interest rate: The price of borrowing money. The base rate is set by the Federal Reserve and then customized per borrower, based on credit score, down payment, property type and points the buyer pays to lower the rate.
Multiple listing service (MLS): A database where real estate agents list properties for sale.
Origination fee: A fee, charged by a broker or lender, to initiate and complete the home loan application process.
Piggyback loan: A combination of loans bundled to avoid private mortgage Insurance. One loan covers 80% of the home’s value, another loan covers 10% to 15% of the home’s value, and the buyer contributes the remainder.
Principal, interest, property taxes and homeowners insurance (PITI): The components of a monthly mortgage payment.
Private mortgage insurance (PMI): A fee charged to borrowers who make a down payment that is less than 20% of the home’s value. The fee, 0.3% to 1.5% of the yearly loan amount, can be canceled in certain circumstances when the borrower reaches 20% equity.
Points: Prepaid interest owed at closing, with one point representing 1% of the loan. Paying points, which are tax deductible, will lower the monthly mortgage payment.
Pre-approval: A thorough assessment of a borrower’s income, assets and other data to determine a loan amount they would qualify for. A real estate agent will request a pre-approval or pre-qualification letter before showing a buyer a home.
Pre-qualification: A basic assessment of income, assets and credit score to determine what, if any, loan programs a borrower might qualify for. A real estate agent will request a pre-approval or pre-qualification letter before showing a buyer a home.
Property tax exemption: A reduction in taxes based on specific criteria, such as installation of a renewable energy system or rehabilitation of a historic home.
Round table closing: All parties (the buyer, the seller, the real estate agents and maybe the lender) meet at a specified time to sign paperwork, pay fees and finalize the transfer of homeownership.
Sellers market: Market conditions that exist when buyers outnumber homes for sale. Bidding wars are common.
Short sale: The sale of a home by an owner who owes more on the home than it’s worth (i.e., “underwater” or “upside down”). The owner’s bank must approve a lower listing price before the home can be sold.
Special assessment: A fee charged by a condo complex HOA when cash on reserve is not enough to cover unexpected expenses.
Tax lien: The government’s legal claim against property when the homeowner neglects or fails to pay a tax debt.
Third-party review required: Verbiage included in a home listing to indicate that the lender has not yet approved the home for short sale. The seller must submit the buyer’s offer to the lender for approval.
Title insurance: Insurance that protects the buyer and lender should an individual or entity step forward with a claim that was attached to the property before the seller transferred legal ownership of the property or “title” to the buyer.
Transfer stamps: The form in which transfer taxes are paid by the home buyer. Stamps can also serve as proof of transfer tax payment.
Transfer taxes: Fees imposed by the state, county or municipality on transfer of title.
Under contract: A period of time (30 days or longer) after a buyer has made an offer on a home and a seller has accepted. During this time, the home is inspected and appraised, and the title is searched for liens, etc.
Underwater or upside down: A situation in which a homeowner owes more for a property than it’s worth.
Underwriting: A process a lender follows to assess a home loan applicant’s income, assets and credit, and the risk involved in offering the applicant a mortgage.
VA home loan: A home loan partially guaranteed by the United States Department of Veteran Affairs and offered by private lenders, such as banks and mortgage companies.
VantageScore: A credit scoring model lenders use to make lending decisions. A borrower’s score is based on bill-paying habits, debt balances, age, variety of credit accounts and number of inquiries on credit reports.
Walkthrough: A buyer’s final inspection of a home before closing.
Water certificate: A document that certifies that a water account has been paid in full. The seller must produce this certificate at closing.
Parades and fireworks and backyard BBQ’s. With summer in full swing, the month of July can seem to zip by. Make the most of your month with these 14 to-dos from our friends at Houzz, covering everything from weekend guests to flag etiquette.
Things to Check Off Your List in an Hour or Less
1. Clean porch lights. If you have glass light fixtures that are easily removed, bring them inside and wash in a dishpan of warm water with gentle soap. If the fixtures must stay in place, turn the power off and carefully wipe the exteriors with a damp microfiber cloth; dry with a soft cloth. When finished, change lightbulbs as needed.
2. Unfurl a flag for the Fourth. Get in the Independence Day spirit by putting up an American flag on your porch in time to celebrate the Fourth of July. Don’t have room for a full-size flag? Try lining your walkway with mini flags, or hang a pleated fan above the door instead. Whether you hang your flag vertically or horizontally, be sure you keep the union (the part with the stars) in the upper left corner.
3. Check safety devices. Carbon monoxide detectors and smoke detectors should be tested monthly; replace batteries as needed, and replace the entire device if it is more than 10 years old. Interconnected smoke detectors (when one alarm goes off, they all sound) are the safest because it is more likely that everyone in the house will hear the alarm. Also, take a moment to check the expiration date on any fire extinguishers in the house and replace them if needed.
4. Care for furry friends. Summer poses some unique challenges for our pets, but with a little extra care, you can ensure your furry friends are healthy all season long. If you will be traveling this summer without your pet, be sure to plan ahead to set up care. Most pets are more comfortable in their own homes, so consider using a professional pet sitter rather than a kennel, which can be stressful. To keep pets safe in the heat, you should provide access to shade and ample fresh water and never leave pets in a car unattended.
Tackle These Tasks Over a Weekend
5. Clean windows inside and out. Keep that summer sunshine streaming in by giving windows a quick rinse with glass cleaner or a vinegar solution, then squeegee them dry or wipe with a clean microfiber cloth. If you want to avoid using a ladder outside, reach exterior windows with a window-washing hose attachment or telescoping window washer, or hire a window-washing service to get the job done.
6. Check window screens for holes. It’s summer, and the mosquitoes are out in full force. If you’ve been getting bitten inside the house, check your window screens and screen doors for small holes and tears. Use a screen patching kit to repair any damage, and keep those pesky bugs outdoors where they belong.
7. Refresh summer whites. Fresh, clean and crisp, nothing says summer quite like white linens. Keep your white textiles looking their best by laundering slipcovers, cushion covers and curtains, or sending them out for dry cleaning if they’re not machine washable. Keep white upholstery and Roman blinds looking fresh by vacuuming them regularly using your vacuum’s upholstery attachment.
8. Conserve water. Cut down on unnecessary water use by watering your lawn and garden during the cooler, early morning hours. If you water when the sun is high, much of the water will simply evaporate instead of sinking into the soil where the roots can access it — and it can even scorch tender leaves. The Environmental Protection Agency recommends using a WaterSense-labeled timer for your sprinkler system, which acts like a thermostat for your lawn and can reduce water use by up to 15 percent per year. Inside the house, keep an eye out for leaky faucets and have them repaired promptly.
9. Keep the landscape fire-safe. There ARE summers that are pretty dry in Missouri and Kansas, believe it or not! If the ground gets scorched from the Midwest heat, it’s important to remove weeds, fallen leaves, needles and other items that could become fuel in a fire, particularly from the area immediately surrounding your home.
10. Prepare for summer guests. Before guests arrive, be sure to clear out your own personal items, make up the beds with fresh sheets and set out a stack of fresh towels. Small extras such as bottles of water, a basket of travel-size toiletries (there are some darling ideas here!) and a card with the house Wi-Fi password will be much appreciated. If you host frequent overnight guests, consider adding a trundle bed or bunk to make the most of the space, especially if you know you’ll be having kids visiting.
Maintenance and Extras to Budget for This Month
11. Check fences and repair or replace as needed. Inspect fencing and gates around your property. If you find damaged areas (for example, broken boards, sagging areas and soft or rotted wood) schedule repairs or replacement as needed.
12. Upgrade pool safety measures. If you have a pool in your backyard, it is essential to keep it securely fenced with a self-closing, self-latching gate at least 4 feet high, to prevent children from jumping or falling in. Place a safety cover on your pool when not in use, and never allow anyone to swim in your pool alone. The American Red Cross also recommends installing a pool alarm that will go off when anyone enters the pool. And if you have children, it’s important to make sure they all learn to swim well, whether or not you have a pool of your own.
13. Add shade to the yard. Make your backyard more comfortable with an umbrella or shade sail. With ample shady spots to sit, you’ll likely find yourself wanting to spend more time in your outdoor space — and shade is a must for summer backyard parties.
14. Keep your home safe while traveling. Before you leave on a trip, take some time to put safety precautions in place. Let your neighbors know when you will be away and ask a friend to check on your house from time to time. Motion-sensing exterior lighting, timed interior lighting and well-trimmed hedges can make your home a less appealing target for break-ins. If you will be away for a longer period of time, have your mail held for you at the post office and hire a lawn service to keep your yard from getting overgrown while you are away.
Upgrade your living space into a smart home without breaking the bank with our hand-picked smart home devices that include speakers, security cameras, light bulbs and more. Create a smart home hub with these gadgets that work with Amazon Alexa and the Google Assistant to simplify your technology and help make your day-to-day life even easier.
Whether you want to personalize and control your lighting, stream music and videos or secure your home, we’ve found a variety of top-rated smart home gadgets to help you get started building your smart home. Most of your products work with Alexa or the Google Assistant so that you can control the devices with the command of your voice. We’ve also included the Aukey Smart Plug-in our list which gives any device you plug into smart capabilities.
Read on for our list of the best smart home gadgets that include the best prices and deals that are currently available. We have a variety of devices that will fit all smart home needs and budgets.
Ring Video Doorbell Pro
Home security from anywhere
Help secure your home with the Ring Video Doorbell Pro that allows you to answer your door from anywhere. The Ring Pro works with Alexa and will send alerts to Echo devices which allows you to hear and speak to visitors entirely hands-free. The Ring Video Doorbell Pro also sends alerts to your smartphone when motion is detected or when someone presses the doorbell so you can monitor your home from anywhere. The Pro features advanced motion detection with a camera view that generates motion alerts within user-set motion zones. The Ring doorbell connects to your existing doorbell wiring so you don’t have to worry about re-charging the battery and features four different face plate options. (amazon.com $199)
Echo Dot (3rd generation)
Voice controlled smart speaker
The best-selling Echo Dot is a voice-controlled smart speaker that works with Alexa to make calls, answer questions, set alarms, check the weather and so much more. The compact smart speaker can also control your compatible smart home devices with the command of your voice. Just ask Alexa to find TV shows, turn on lights, adjust the temperature and more. You can use your voice to play a song or artist through Amazon Music, Apple Music, Spotify, Pandora, and others. Alexa has over 50,000 skills so you can discover new skills that will help you with everyday tasks. (amazon.com $29.99)
Amazon’s smart speaker with Alexa
The Amazon Echo smart speaker can play music, answer questions, set alarms and more all with the command of your voice. You can also control your other smart home devices with the Alexa-enabled speaker just ask Alexa to turn off the lights, adjust your thermostat, lock your door and more. The Echo can make calls and send and receive messages through the hands-free speaker. The smart speaker features a better audio experience than the Echo Dot offering a powerful audio with Dolby technology built in to the speaker. (amazon.com $79.99)
TP-Link Smart Bulb
Voice controlled light bulb
Control your lighting from anywhere with the TP-Link Alexa-enabled light bulb. You can turn your lights on and off and adjust brightness with your tablet or smartphone using the Kasa app. You can connect the smart bulb with Alexa or Google Assistant devices and use your voice to control your lights. The easy-to-install light bulb can transform into any color to set the mood and personalize your lighting by adjusting brightness as well as light appearance from soft white to daylight. The TP-Link bulbs will also help you out with your energy costs by reducing energy use up to 80% without brightness or quality loss. (walmart.com $29.99)
TP-Link Kasa Smart WiFi Plug
Alexa enabled WiFi Plug
Turn your electronics and appliances into voice and app-controlled devices with the Kasa Smart WiFi plug by TP-Link. The smart plug works with Alexa and the Google Assistant so you can turn your devices into a hands-free experience. You can turn on lamps, appliances and more from anywhere on your smartphone using the Kasa app. You can also schedule the smart plug to automatically turn on and off when you’re away and reduce your energy by managing devices that use the most power. (amazon.com $13.99)
Nest Learning Thermostat
Change the temperature from anywhere
Control your thermostat from anywhere with the 3rd generation Nest Learning Thermostat. The smart thermostat uses technology to learn your habits and adjust automatically to help save you energy. On average the Nest thermostat saves 10-12% on heating bills and 15% on cooling bills so the Nest will pay for itself in no time. You’re able to control your thermostat from anywhere with Nest app using your phone, tablet or laptop. The smart thermostat also works with Alexa so you can adjust and control the temperature with the command of your voice. The Nest thermostat features a thinner and sleeker design than previous models and comes in four different colors. (amazon.com $199)
iRobot Roomba 960 Robot Vacuum
Wi-Fi connected robot vacuum
Clean your floors with the command of your voice and completely hands-free with the Wi-Fi connected iRobot Roomba Robot Vacuum. You can use the iRobot home app to clean and schedule your vacuum from anywhere and receive notifications when the job is complete. The Roomba 960 can continuously clean for up to 75 minutes and will automatically recharge. The robot vacuum features a three-stage cleaning system and a high-efficiency filter that captures 99% of allergens, pollen, and dust. The Roomba is also compatible with Amazon Alexa and the Google Assistant so you can control the vacuum with your voice. (walmart.com $549)
Amazon Cloud Cam Security Camera
Works with Alexa
The Amazon Cloud Cam is an indoor security camera that monitors your home in 1080p full HD. You’ll be able to watch your home from anywhere at any time with the compatible Cloud Cam app. You can view live streams, replay clips and get alerts when the camera detects activity. You can customize your alerts so you’ll only get alerts that matter. The Amazon camera features night vision so you’ll also be able to monitor your home in the dark. The Cloud Cam also offers two-way audio so you can speak to guests in your home through the app. The security camera works with Alexa so you can use your voice to show your live feed on the Amazon Fire TV, Fire Tablet, Echo Show, or Echo Spot. (amazon.com $119.99)
Schlage Connect Touchscreen Deadbolt
Alexa enabled deadbolt with built-in alarm
Secure your home the smart way with the Schlage Connect Touchscreen Deadbolt. The Schlage connect features a touch screen keypad which allows for keyless entry. This lets every member in your family have their own 4-digit code that will be easy to remember. You can also create temporary codes for visitors and never have to worry about replacing locks or exchanging keys. The Schlage Connect is Z-Wave compatible and connects to your home automation system which allows you to lock or unlock your door remotely. You can also use your voice to control the lock with any Amazon Alexa compatible device. The deadbolt features a built-in alarm that comes in three different modes that will alert you when someone is coming or going and communicate any potential security threats. (homedepot.com $184.29)
There’s nothing more trustworthy than a good, hardy perennial. These plants might go dull in the winter, but you can rest assured they’ll return faithfully the following year. Perennials have the power to keep your landscape alive with new colors, fragrances, and wildlife all season long — as long as you treat them well. While they’re well-known for their minimal maintenance, there are still some things to keep in mind.
When to Plant Perennials
Planting is both an exciting and stressful time for plants. Most perennial plants need a modest amount of moisture to survive, especially when they’re just trying to establish themselves. The best time to plant your perennials is during the transitional seasons: spring and fall.
In our area, we fall into hardiness Zone 6a, and, lucky for us, perennial plants tend to do very well in this zone! However, spring carries with it a lot of cold weather. If you plant too early and your young plants are caught in a particularly bad frost, they may not grow at all. Avoid a disappointing garden by paying attention to frost dates. The last frost in Missouri and Kansas typically happens in mid April (but lately, we have had some pretty crazy weather!), so wait until after then to plant new perennials. Even then, check the forecast and be wary of the conditions your new plants may be subject to. It’s best to err on the side of caution and plant when you’re confident that the weather is going to cooperate.
Of course, the ground has to be unfrozen to plant anything in it. One test to see if the soil is workable is to grab a handful of it and squeeze it tight. If your soil sticks together, it’s a little too wet. If it crumbles, it’s in workable shape and you can start planting!
Any perennials you plant in summer will need a lot more attention and water to encourage growth. Avoid digging up perennials in bloom during this season. Just let them do their thing.
How to Plant / Balancing Bloomers
The term ‘perennial’ encompasses thousands and thousands of plants. Naturally, they don’t all bloom at the same time. The key to keeping an interesting garden all season long is to interplant species that flower at different times in the summer. That way, you always have something new blossoming in your garden. It’s those little pops of new color that keep something exciting happening all the time. Here are a few model varieties of gorgeous perennials that bloom at different times in the summer:
Late Spring / Early Summer Bloomers
For your early summer flowering perennials, consider giving these plants a try:
Clematis: Creeping up several feet tall, clematis produce single, colorful flowers in shades of blue, pink, red, and white. They continue to bloom all the way into fall, and they prefer lots of sunlight and damp soil.
Caesar’s Brother Siberian Iris: This deep violet flower rises up on tall, poker-straight stems that really stand out along borders. They thrive in moist soils better than most, and are extremely resilient and adaptable. Just make sure you water them regularly, especially during hot dry weather.
Peony: This lush, romantic flower is very popular for wedding bouquets and decor. Its massive blooms are a true work of art and some of our favorites are Sarah Bernhardt, Bowl of Beauty, and Bartzella Itoh. Their stems are nice and sturdy, so you won’t have to worry about staking them to keep them upright.
Creeping Phlox: This fabulous groundcover plant spreads like wildfire and is great for rock gardens, as it creeps its way up rocks and rough terrain with ease. Its densely packed flowers create a carpet of vivid color that’s truly breathtaking. So long as it has full sun and is watered regularly, it will thrive beautifully.
Midsummer Flowering Perennials
These flowers bloom beautifully in the prime of summer:
Balloon Flowers: Balloon flowers are easy to care for, and are named as such because their buds balloon before blossoming. Among a few different colored varieties, balloon flowers can come in a very striking, deep blue.
Coreopsis: These sun-lovers come in bright, warm colors and attract all sorts of butterflies. They make great cut flowers.
Salvia: Tall stalks of blossoms adorn this beautiful plant in all different shades of blue, purple and red, with a few less common varieties in shades of yellow and white. It’s actually a member of the mint family, and its aroma is absolutely divine.
Lavender: With a pleasant fragrance and characteristic purple color, you can’t go wrong with growing some lavender in your garden.
Monarda: Also known as bee balm, these vibrant flowers lure in pollinators like a magnet. Planting monarda in either spring or autumn will give you the best results. Some varieties can grow up to 4 feet tall, and they spread quite a bit, so dividing the root ball and replanting every 2 or 3 years will save it from getting overcrowded.
Late Summer / Early Fall Perennials
These plants are perfect reminders that summer is still hanging on:
Aster: Asters provide great coverage in your flower beds, and bloom small flowers in reds, blues, and purples. They grow easily enough in a richer soil without much maintenance.
Chelone Hot Lips: This mounded plant has gorgeous blue-green foliage that contrasts beautifully with its pink clusters of flowers. It makes a great border plant, reaches to around 2 feet tall and spreads 2 feet across.
Lobelia Cardinalis: The bright ruby red racemes of this fabulous perennial can be seen from miles away! It does best in moist clay soils, so if your soil is very loamy, make sure to water is generously.
When Fall Arrives
These are just a few of the endless perennial plants that can complete your garden. When fall rolls around, pay attention to any perennial pruning and winter protection needs. It’s also the perfect time to plant new perennials, as your soil is in ideal, moist conditions. You can use this season to also divide up some of your perennials, so long as they aren’t still in bloom.
Planning ahead for this season will reward you kindly. Be adventurous, and be sure to plant perennials of all different kinds during this time. A higher volume of plants will provide for more color and texture in your garden and culminate in an exciting new growing season the following summer!
Has it been your dream to own your first home? Think it isn’t attainable? Well, my friends, we want to show you how easy it is! Buying a home for the first time can be terrifyingly intimidating—there’s so much to learn! Start with the basics. In this information-packed seminar, you will find out what every first-time home buyer needs to know to dive into house hunting with confidence. Join Stutesman’s Action Realty for this informative program. Let us help you make better financial decisions by understanding the purchase process, along with the benefits of having a Realtor as your step-by-step professional. There will also be mortgage companies and lenders, insurance professionals and title companies on hand to answer questions. You’ll learn about the entire home buying process, how to qualify, what loans and programs are available, how to prepare for home ownership, what to know about the local market, the escrow process (it’s really not that scary!) and so much more! CHOOSE THE LOCATION AND DATE THAT WORKS BEST FOR YOU! PLEASE REGISTER BY SIGNING UP ON OUR FACEBOOK PAGE, EMAILING DIANE EARLL AT DIANE@DIANEEARLL.COM OR CALL 833-286-8400 BEFORE FRIDAY, APRIL 5TH, 2019. Tuesday, April 9th, 2019 5:30 – 7:30 pm Nate’s Place 750 South National Fort Scott, KS 66701 Thursday, April 11th, 2019 5:30 – 7:30 pm FCS Financial Building 1925 N Osage Nevada Mo. 64772
There are many reasons why it may be time to sell your home. You may need more space to make room for a growing family or you need to downsize after your kids leave the nest. Whatever your motivations, you want to make sure that you’re timing it right.
If you sell when home prices are plummeting, you may end up losing on the deal. If you sell when home prices are highest, there may not be a lot of buyers looking to move. So how do you know when it’s a good time to sell?
A qualified Stutesman’s agent can help you determine if the market puts you in a good place or not. But for your own personal situation, here are the signs telling you that now is the time to sell your home.
You’ve Outgrown Your Home
Whether you are expecting another child, caring for an aging parent, or have taken in your adult children, when you’ve outgrown your home, it may be time to sell your home. Consider the permanency of the change. Will the kids be there for a long time? How long will you be able to care for your aging parent? Buying a bigger home is one of the main reasons why homeowners choose to sell.
You Need to Make a Change
Change is inevitable. Maybe you’re tired of shoveling snow (what a brutal winter we’ve had!) and you want to live in a warmer climate. Maybe you have to move so you can go after your dream job or you want to be closer to family. When change entails moving, then a home sale becomes necessary.
Home Prices are on the Rise
This is one of the riskiest reasons to sell your home. Sure you may get more than you ever dreamed for your home when prices are on the rise, but that also means that you will pay more for another home. Perhaps your agent can help you find a steal in a new location where prices are more level. Then you will have made a huge profit and a smart move.
You Need to Downsize
Many homeowners are selling in order to downsize. The baby boomer generation is moving into their golden years. The kids are all out of the house and you just don’t need all that space anymore. Selling now could add a nice healthy sum to your nest egg as well. As long as you are smart about how much of that profit to spend on a new place, downsizing could be just the right move for you financially.
You Can No Longer Afford Your Home
Sadly, there are homeowners who just can no longer afford their home. Whether it is due to divorce, illness, a death, a skyrocketing mortgage payment, or the loss of a job, change in your financial circumstances is a big red flashing sign that now is the time to sell your home. Waiting any longer could have catastrophic financial consequences.
In any situation you find yourself in, an experienced agent is the key to helping you achieve your goals. Learn more about how to determine if now is the time to sell your home by speaking with agent now.
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