Duarte/Downey Real Estate Agency, Inc



Posted by Duarte/Downey Real Estate Agency, Inc on 7/16/2017

Humans today live a lifestyle more fast-paced than ever before. We're constantly keeping track of work, bills, emails, friends on social media... the list goes on. With all of these social and work responsibilities it's sometimes hard to unwind at the end of the day and fall asleep on time at night. Americans have some of the poorest sleeping habits on earth. One in three have what could be considered "mild insomnia." While sleeping patterns vary between cultures, one thing is certain: getting enough quality sleep is vital to living a long and healthy life. Here are some changes you can make in the bedroom that will help you get more quality shut-eye.

Beds are for sleeping

Are you the type who stays in bed watching TV, eating, reading on your phone or laptop. If so, you might be losing sleep because of it. It's important to train your body to know that when you're in bed with the lights off it's time to sleep. Read in your kitchen or on the sofa at night rather than in the bedroom if you're the type who has to be busy up until bedtime.

Clean your room

If your bedroom is messy, cluttered, or uncomfortable in any way it might be affecting your sleep. Clean things up to make it a more spacious, cozy environment. Once you've cleaned, don't stop there. Try adjusting the lighting and colors in your room as well. Studies have shown that the colors in our environment affect our mood. You don't want bold, stimulating colors in a place devoted to sleep. To make lighting adjustments, keep your shades or curtains open at night so natural light wakes you up in the morning. This is a good practice for your circadian rhythm (our 24-hour sleep cycle that helps us wake up and fall asleep naturally). If you do use lights in your room at night, use a soft, yellow light. Blue light, liek that emitted from most LEDs, is higher on the UV spectrum and tricks your body into thinking it's daytime.

No phones in bed

Just like the LED lights mentioned above, your phone, laptop, and tablets all emit light that can keep you up. When darkness falls your brain begins producing melatonin (a chemical than makes you fall asleep). Staring into these screens inhibits that production, keeping you up later. You may feel that you're "just not tired," which is perfectly true. But it's because you're stopping your body from telling you it's time for bed. Some alternatives to looking at your phone would be to read or knit in bed while you wait to feel sleepy. Then you can just put them down and drift off to sleep. Helpful bedtime tips:
  • At night, set your phone's brightness to very low and if you have an iPhone use the "night shift" mode that turns your phone's light from blue to yellow
  • Listen to calming, ambient music on your iPod that will take your mind off distracting thoughts
  • Listen to an app or podcast designed to help you sleep
  • If you can't sleep after an hour or so, try getting up for a bit or having a protein-filled snack. Then try going back to bed
     




Categories: Uncategorized  


Posted by Duarte/Downey Real Estate Agency, Inc on 7/9/2017

If you are thinking of buying your first home, you’re thinking of making the single biggest purchase of your entire lifetime. Real estate is complex. From getting finances in order to understanding the entire process to securing the home you love, there’s so much that you’ll need to know when it comes to buying your first home. 


What Is A Down Payment?


A down payment is a one-time cash payment that you’ll provide at the closing table when you buy a home. How much your down payment is will have an effect on how much your monthly mortgage payment will be. It will also affect your initial home equity value. 


Should You Keep Renting?


First, you’ll need to think of a savings goal and a timeline. The general rule is that if you own a home for at least 5 years, you have gotten your “money’s worth” out of the closing costs and the fees you paid at the time you purchased your home. If you don’t think you’ll stay in a home for at least 5 years before making another move, you may want to consider renting until you know where you want to settle. 


What Can You Afford? 


You’ll need to calculate just how much home you can afford. Look at potential monthly mortgage payments plus taxes, fees, insurance, utilities and other monthly expenses that you have.


In dual-income households, it’s nice if the living expenses can be covered just by one person’s paycheck. Once you have an idea of your budget, you can price out homes that will meet your needs and be in your price range. 


Why You Should Save More


The best practice in buying a home is to put 20% down on the house. With this sizable down payment, it will be easier to get approved for a mortgage. You’ll also avoid needing PMI (private mortgage insurance.) This is an additional cost for people who put down less than a 20% down payment. This can cost you a lot of money each month, so it’s best to save as much as you can for that initial down payment. 


Don’t be discouraged. You can still buy a home with a lower percentage of a down payment, but you’ll have to pay for the PMI and include the additional expense in your budget. The Federal Housing Administration has many different options available that allow you to put a smaller down payment on a home, so do your homework.  


How To Save 

           

Once you get an idea of about how much you’ll spend on your home, you need to take action and start saving. There are many ways that you can save automatically without even thinking about it. You can choose a fixed amount or percentage of your paycheck and save it automatically into the house fund. Save as much as you can so you’ll be able to make your home purchase more quickly. You may even want to consider putting your money into a money market account for a higher return on your savings once you reach a certain goal. 


Don’t Forget To Save Your Bonuses


Whether you have received a gift or a sizable Christmas bonus, make sure that you put that money away towards your home purchase. Every little bit helps. While we may have an inclination to want to spend the money on more immediate things, you’ll be happy that you saved your money when you head to purchase your house! 


Use Your IRA


The IRS allows a tax benefit for first time home buyers. You can take out up to $10,000 out of your IRA or Roth IRA for a first time home purchase. Your Roth IRA account must be at least 5 years old in order for you to do this. Distributions from this account are tax-free, but you’ll need to pay tax if you withdraw form a traditional IRA. You should discuss any withdrawals that you do make with your financial advisor and your tax advisor. This could be an opportunity for you to build your wealth in a new way, so make an informed decision. 


Happy saving and happy house hunting!





Posted by Duarte/Downey Real Estate Agency, Inc on 7/2/2017

When you have allergies, there’s nothing worse than being around your triggers. Most people with allergies know exactly what causes symptoms for them. If you know what the best and worst types of flowers are for people with allergies, you’ll have a better idea of what you can plant in your garden. 


Worst Flowers For Allergies


Unfortunately, most plants in the daisy family aren’t very good for people with allergies. Flowers in this family include asters, dahlias, daisies, Gerber daisies, chamomile, chrysanthemums, and sunflowers. Not every breed of every type of flower falls into the “bad for your nose” category. There are some hybrids available that aren’t as harsh for people with allergies. Most of these can even be pollen-free. Look for plants that are listed as “hypoallergenic.” These hold that title because they either have no pollen, or the pollen is just too heavy to be carried by the wind.


Goldenrod And Ragweed


You have probably heard a lot about ragweed getting a bad reputation since its pollen is carried by the wind. Goldenrod may not be as bad, yet it often is categorized in the same way. These plants are great to attract bees and other pollinating insects, but they’re terrible if you’re an allergy sufferer. 


Baby’s Breath


This type of flower is often seen in floral arrangements and bouquets. Although the flowers are small, they can bring on a large amount of pollen. The double flowered variety is a hybrid and is a better choice for allergy sufferers. This allows the tiny flower to have a lower level of pollen.        


Better Choices For Allergy Sufferers


The good news is that there are many different types of flowers that won’t cause you grief. Many of the “safe” plants are those that are used for foliage. These would include Hosta, cactus, and dusty millers. 


More choices for allergy sufferers who want color: 


  • Azaleas
  •  Begonias
  • Bougainville
  • Clematis
  • Columbine
  • Geranium
  • Hydrangea
  • Hibiscus
  • Iris
  • Lily
  • Orchid
  • Pansy
  • Roses
  • Zinnia  


You can keep beautiful plants throughout your home and garden even when you suffer from the worst allergies. You don’t need to sacrifice color in the process. Keep in mind that you want to avoid flowers with extremely potent scents. Even with the absence of pollen, allergies can still be aggravated by these smells. The sap from these flowers may even cause mild to moderate skin irritation, so it’s best to stay away from these varieties of flowers. 


Tree Pollen


Tree pollen generally needs to be carried via the wind from male trees to female tree flowers. So, it‘s important to find the right types of trees to plant in your yard as well when you have allergies. You want the pollen to land in the right flowers in order to pollinate, not in your nose.




Categories: Uncategorized  


Posted by Duarte/Downey Real Estate Agency, Inc on 6/30/2017


5 Holsbery Road , Truro, MA 02666

Truro (village)

Single-Family

$849,000
Price

7
Total Rooms
3
Beds
3/1
Full/Half Baths
Beautiful, Private, Comfortable, Custom Built Home, and Primarily one floor living with all of today's creature comforts. This 3 Bedroom, 3.5 bath meticulously crafted and cared for home is nestled in the Heart True Cape Cod. 3 season porch off the living room; large deck for outdoor dining next to screen porch, 2 Car Garage. Master suite is on opposite side of house from main floor guest room. 2nd Private Guest room and bath are on the 2nd level. All Bedrooms have en Suite Bathrooms. Great Family/Entertainment Room. Gas fireplace; Vaulted Ceilings; Wood Floors; Central Air; 3 zones to control heat or a/c; ceiling fans in nearly every room. Built to enjoy the tranquility of the Outer Cape. Convenient to Bay and Ocean Beaches, Pamet Harbor, Truro Center and Castle Hill Center for
Open House
No scheduled Open Houses

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Tags: Real estate   Single-Family   02666   Truro  
Categories: Price Change  


Posted by Duarte/Downey Real Estate Agency, Inc on 6/25/2017

Believe it or not, your home's bathroom may make or break your open house.

If you allocate the necessary time and resources to enhance your bathroom's appearance before your open house, you may be able to boost your home's chances of making a positive first impression on property buyers.

On the other hand, a dirty, messy bathroom is unlikely to do you any favors, particularly in a competitive real estate market.

Transforming an ordinary bathroom into an attractive space may seem difficult. Lucky for you, we're here to help you simplify the process of cleaning your bathroom from top to bottom.

Now, let's take a look at three tips that you can use to improve your bathroom's appearance before your open house.

1. Remove Shower Scum

Soap scum may accumulate in your shower over an extended period of time. However, it is quick and easy to eliminate this problem.

To remove shower scum, use a mixture of dish soap and vinegar. Then, scrub the scum with a dish wand, and you can make your shower sparkle.

2. Clean the Toilet

When was the last time you cleaned your bathroom toilet? If you don't know the answer, it probably means your toilet is overdue for a comprehensive cleaning.

A bathroom scrub brush can help you eliminate grime inside your toilet. You also may want to use white vinegar, as this all-natural cleaning solution has been shown to eliminate bacteria, germs and mold.

In addition, don't forget to wipe down your toilet's exterior. Dust and debris on the toilet surface are simple to eliminate in just seconds.

3. Take a Look at the Mirror

A bathroom mirror may appear streaky and blotchy. But for those who want their bathrooms to impress homebuyers, it is essential to clean a bathroom mirror extensively.

Cotton pads and rubbing alcohol may prove to be exceedingly valuable. Together, these products will enable you to clean your bathroom mirror and avoid streaks altogether.

Or, if you're searching for an alternative to rubbing alcohol or traditional glass cleaner, you may want to use vinegar and water. The combination of vinegar, water and a microfiber cloth offers proven results, especially for those who need a quick, easy solution to clean a bathroom mirror before an open house.

If you need extra help cleaning your bathroom, don't hesitate to reach out to cleaning professionals for expert support. These professionals can streamline the process of getting your bathroom ready for your open house.

Moreover, if you're uncertain about how to prepare for your open house, your real estate agent will be happy to assist you. This housing market expert will describe how the open house will work and what to expect from it. Plus, after the open house ends, your real estate agent can provide homebuyer feedback and insights.

Don't wait until the last minute to clean your bathroom. Instead, use the aforementioned bathroom cleaning tips, and you should have no trouble prepping your bathroom for your open house.