How can essential oils keep your family a little healthier this fall?

School buses, soccer practice, dance classes, and homework? It can only mean one thing. Back to school time! So how can you keep your family a little healthier this fall?

As a busy mom, the last thing I need to worry about is keeping my kids healthy. So when I discovered Young Living I knew I had to share with other busy families. Here are a few of our favorite back to school oils that help our days run just a little more smoothly.

Continue reading “How can essential oils keep your family a little healthier this fall?”

Renting or Buying… Either Way You’re Paying a Mortgage

There are some people who have not purchased homes because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s.

As Entrepreneur Magazine, a premier source for small business, explained this month in their article, “12 Practical Steps to Getting Rich”:

While renting on a temporary basis isn’t terrible, you should most certainly own the roof over your head if you’re serious about your finances. It won’t make you rich overnight, but by renting, you’re paying someone else’s mortgage. In effect, you’re making someone else rich.”

Christina Boyle, Senior Vice President and head of the Single-Family Sales & Relationship Management organization at Freddie Mac, explains another benefit of securing a mortgage vs. paying rent:

“With a 30-year fixed rate mortgage, you’ll have the certainty & stability of knowing what your mortgage payment will be for the next 30 years – unlike rents which will continue to rise over the next three decades.”

As an owner, your mortgage payment is a form of ‘forced savings’ which allows you to build equity in your home that you can tap into later in life. As a renter, you guarantee the landlord is the person with that equity.

Interest rates are still at historic lows, making it one of the best times to secure a mortgage and make a move into your dream home. Freddie Mac’s latest report shows that rates across the country were at 4.23% last week.

Bottom Line

Whether you are looking for a primary residence for the first time or are considering a vacation home on the shore, now may be the time to buy.

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Top Home Renovations for Maximum ROI [INFOGRAPHIC]

Some Highlights:

  • Whether you are selling your home, just purchased your first home, or are a homeowner planning to stay put for a while, there is value in knowing which home improvement projects will net you the most Return On Investment (ROI).
  • While big projects like adding a bathroom or a complete kitchen remodel are popular ways to increase a home’s value, something as simple as updating landscaping and curb appeal can have a quick impact on a home’s value.
  • For more information about top renovation projects that net you the most ROI, you can check out the complete list here.

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June Is National Homeownership Month. Here’s our take on it.

Are you aware that June is National Homeownership month?

Probably not. Because you’re too busy working to afford the home you live in, whether you rent it or own it.

Why should you care?

If you poke around and read anything you can find about it, you’re being urged to recognize and celebrate the benefits of homeownership.

That seems kind of a weird thing to ask you to do. Do you really have the time or care? What’re you supposed to do, throw a party? Sit alone and contemplate it? Invite some friends out for coffee and chat about it?

You’ve got to figure that the people who actively promote it probably have their reasons and motives for pushing it. (You know, like real estate agents, mortgage lenders, and the government.)

It makes you wonder…

Why do they push it, other than to make money?

Is it really the “American Dream”? Or is it just a packaged ploy?

Is it all it’s cracked up to be? What about all the people who were recently hurt by the housing market and getting in over their heads?

What about the economy and jobs? What about making enough money to even afford a house?

And, what about all the headaches and worries that come with homeownership?

Are you being sold on something unachievable, or not even all that desirable?

Maybe you shouldn’t own a home

OK, first off…

Homeownership is not for everyone.

There always seems to be this push to increase the percentage of homeowners. It gets wrapped in reasons why it’s good for you, your community, the country as a whole…maybe even the whole universe.

Pushing to increase the percentage of homeownership for the sake of statistics and percentages is wrong.

Lots of people shouldn’t own a home. Maybe some people shouldn’t even be allowed to own a home even if they qualify financially. That’s what leads to problems, because it’s a responsibility not everyone can handle.

Besides, if everyone owned property it wouldn’t be as special. As coveted. As much of a dream.

So, if you do question whether homeownership is “worth it”, maybe it isn’t the worst thing. Maybe you shouldn’t own a home.

It’s easy enough to let the people who really want to own property, and believe in the value of it, own all of the real estate.

Just don’t buy any…

Let them enjoy the “pride”

One of the catch phrases you’ve probably heard is, “There’s pride in homeownership.”

That’s kind of the cover-all reason given as to why more and more people should own their own homes.

You can’t entirely diminish the fact that there is pride and value in owning real estate. There is.

Nor can you entirely diminish the actual benefits of ownership, like building wealth, tax incentives, and not throwing money out the window and building someone else’s wealth.

But there’s certainly an inability for some people to buy real estate. Some people will never achieve homeownership.

And there’s certainly risk and worry involved. Not everyone can handle that.

It’s certainly understandable that lots of people shy away from buying real estate so soon after the real estate bubble burst, and the slow recovery. Some people are still recovering financially. Some people watched their parents struggle and worry, only to lose their home.

But for those who can and do own real estate, there is pride. And there’s appreciation.

Because while not everyone should own real estate…at least now everyone can.

You get to choose, not be chosen to own land

It used to be only a select few who could own land.

Now almost everyone has the right to own property…if they want to and have the ability.

This isn’t the feudal system where there are only a handful of Lords who’ve been granted a piece of land to look after by a King. (Side note: Do you think any Lords ever questioned the value of owning land?)

You can choose to be the lord of some land. You just have to want to, and be financially qualified to.

While you don’t have to be “chosen”…nobody’s giving it to you either.

So, if you can financially afford to, there should be some pride and appreciation in owning a little (or large) piece of this planet, with a “castle” to call your own.

So, when you do decide to buy some real estate, you should enjoy the pride, appreciation, and respect for the right and privilege to do so. You are essentially choosing to be your own land Lord.

There are places in this world you still can’t. So, imagine that. Imagine not having the choice.

Is it worth you recognizing and celebrating?

With all that in mind, is National Homeownership Month more meaningful to you?

Does it put homeownership in an objective light? Is it appealing to you? Does it make you want to own real estate? Does it make you want to own more real estate if you already own some?

Don’t get swept up in the hype of homeownership month, or anyone just trying to persuade you of the benefits of homeownership, no matter what month it is.

The best way to figure out if you should be a homeowner is to speak with a serious, objective real estate agent. One who takes counseling clients more seriously than pushing the pride of homeownership, just so they can make a sale.

Give me a ring if you’re looking for some good, objective counsel. I’d love to be part of that round table.

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Listing in the Winter Attracts More Serious Buyers

A recent study of more than 7 million home sales over the past four years revealed that the season in which a home is listed may be able to shed some light on the likelihood that the home will sell for more than asking price, as well as how quickly the sale will close.

It’s no surprise that listing a home for sale during the spring saw the largest return, as the spring is traditionally the busiest season for real estate. What is surprising, though, is that listing during the winter came in second!

“Among spring listings, 18.7 percent of homes fetched above asking, with winter listings not far behind at 17.5 percent. While 48.0 percent of homes listed in spring sold within 30 days, 46.2 percent of homes in winter did the same.”

The study goes on to say that:

“Buyers [in the winter] often need to move, so they’re much less likely to make a lowball offer and they’ll often want to close quickly — two things that can make the sale much smoother.” 

Bottom Line

If you are debating listing your home for sale in 2017, keep in mind that the spring is when most other homeowners will decide to list their homes as well. Listing your home this winter will ensure that you have the best exposure to the serious buyers who are out looking now!

The study used the astronomical seasons to determine which season the listing date fell into (Winter: Dec. 21 – Mar. 20; Spring: Mar. 21 – June 20; Summer: June 21 – Sept 21; Autumn: Sept 21 – Dec. 20).

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Santa Experience & Food Drive Supporting Mt. Si Food Bank

Come join us for The Messa Group’s first Annual “Santa Experience” on Saturday, December 3rd, from 5-7pm.

The event is being held at Umpqua Bank’s Community Room in North Bend.

We invite you to bring your kids or the whole family to visit with Santa and have their picture taken by Bob Gassen with Humanature Photography.

Pets are welcome and there will be drinks and treats for all who attend!

Everyone will receive one digital image capturing their Santa Experience for FREE (more pictures will be available for purchase). All we ask is that you bring at least one item to donate to the Mt. Si Food Bank!

Donations for the Mt. Si Food Bank will also be collected at our 3rd annual Animated Christmas Light Display located at 1730 Tannerwood Way SE in North Bend from 11/26 – 12/31.

We invite you to come witness the holiday magic of a reindeer that sings and lights that dance to a variety of festive tunes (Dominique the Donkey is a favorite!) We hope you will swing by, donate a non-perishable item or two, and enjoy the show!!

We look forward to seeing you!

Download Your FREE Santa Experience Photo

The Messa Group has sponsored one complimentary digital image per family as part of this event! You may use this image to print as many copies as you like. Use the photo for a Holiday Card, on social media, or on a website.

Additional digital images and prints are also available for purchase at check out. For more information click the button below to see your Santa Experience photos and make your selections.

Thanks to Bob of Humanature Photography for collaborating on this special Santa Experience.

Happy Holidays from Alicia Messa & The Messa Group Real Estate Team!

Also Special Thanks To:

  • Umpqua Bank for allowing us to use their facility
  • Starbuck’s for providing the coffee
  • IGA for supplying the hot cocoa
  • Krispy Kreme for the donuts

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The Role Access Plays in Getting Your House SOLD!

So you’ve decided to sell your house. You’ve hired a real estate professional to help you with the entire process and they have asked you what level of access you want to provide to potential buyers.

There are four elements to a quality listing. At the top of the list is Access, followed by Condition, Financing and Price. There are many levels of access that you could provide to your agent to be able to show your home.

Here are five levels of access that you could give a buyer with a brief description:

  1. Lockbox On the Door – this allows buyers the ability to see the home as soon as they are aware of the listing, or at their convenience.
  2. Providing a Key to the Home – although the buyer’s agent may need to stop by an office to pick up the key, there is little delay in being able to show the home.
  3. Open Access with a Phone Call – the seller allows showing with just a phone call’s notice.
  4. By Appointment Only (example: 48 Hour Notice) – Many out-of-town/state buyers and relocation buyers visit an area they would like to move to and only have the weekend to view homes. They may not be able to plan that far in advance, or may be unable to wait the 48 hours to be shown the house.
  5. Limited Access (example: the home is only available on Mondays or Tuesdays at 2pm or for only a couple of hours a day) – This is the most difficult way to be able to show your house to potential buyers.

In a competitive marketplace, access can make or break your ability to get the price you are looking for, or even sell your house at all.

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