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Jean's November 2020 Newsletter

Posted On: November 4th, 2020 4:33PM

 

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The Batson Team
HomeSmart
http://www.alandjeanbatson.com
 
 
 
 
 
 
Jean Batson
602-228-0756
Jean@AlandJeanBatson.com

Al Batson
602-680-2791
Al@AlandJeanBatson.com
 
 
 
 

Each month I'll give you a new question.

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Mickey Mouse's public debut in November 1928 was in which film?

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Click here to see a web copy of this newsletter

November Dates to Remember:

1st         Clocks (EXCEPT Hawaii or Arizona) are TURNED-back by one hour. 
(Fall back)
 

3rd       Election Day – National Election. VOTE  No matter which side you’re on or which side wins – let’s respect the outcome and stay peaceful and kind to each other. 

11th      Veterans Day – a day to thank those who have served our country…fly your flag proudly. 

26th      THANKSGIVING – thanks to the Pilgrims, this wonderful holiday resplendent with the turkey feast.

 

With Thanksgiving ahead, many of us will be unable to be with family or friends so hang onto the memories of previous Thanksgiving holidays. Whatever you do, our blessings to you for a wonderful holiday.

Al and Jean

 

Al's Corner

FURNACE TUNE-UP:  In Arizona it’s hard to think about furnace tune-ups since we are just now seeing temperatures in the 60-70'’s at night. However, it is still wise to have your heating equipment checked for a tune-up. As with many things, the key to a long and healthy life is maintenance. Many of you in cooler climates may have already seen frost on the ground so you know winter is coming. Now is the time to make plans for the winter season which will be upon us before we know it. Here are some things to consider doing:

  • Have your furnace tuned up to ensure it's working safely at its full potential
  • If you use natural gas, get your tank topped off
  • If you use heating oil, get your tank topped off

And don’t forget to change your air filters at least quarterly.

If you live in "cold country," start thinking about putting the storm windows in place before it gets icy and slick.


While you’re doing that, in Arizona we’ll be opening the doors and windows to let the lovely fresh-air in.  From November to May, we often don’t use either a furnace or air-conditioning.  But we do give our air-conditioning units a hefty work-out all summer long.

Wishing you and yours a safe and comfortable winter season.   Al

Buying your first home is a big step, and one that is likely to impact your financial future for years to come.

Make it easier by requesting our free tips, "How First-Timers Can Make a Wise Buy."

Just reply to this email and I'll send it right out to you.

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KNOCK!  What Is That?

News Bulletin:  HomeSmart offers KNOCK!

We’re honored as HomeSmart agents (since 2010) to be able to offer our clients a new program only offered by a handful of real estate companies.  We’ve just gone through training to be certified in order to offer this program to our clients. It won’t fit everyone but certainly a lot of people are concerned about finding a home vs. listing theirs first.  Sort of a "Which comes first; the chicken or the egg?"

The name of it the program is KNOCK – what makes this program so unique is that it is based on a problem many people face when they have a home they must sell in order to purchase their next property. Sellers don’t want to take a contingent offer, especially now that there are so few homes available and so many buyers ready to buy. Buyers can feel frustrated in their efforts to purchase a new property because many properties sell very quickly. In the past, people would jump through hoops for a "Bridge Loan" which usually was costly as well. ENTER KNOCK!  

Here’s the basic premise – if you’re interested, please contact us so we can explain it and assist you.

  • The FIRST step for all buyers (unless a cash offer) is to meet with a lender for pre-approval {which is a requirement with an offer to purchase]. In this program, KNOCK is the lender.  The owner must qualify for a loan and have equity in their current property.
  • Buy NOW – Sell LATER.  Knock is the mortgage company. Once the Buyer has that Pre-Qualification, they find and purchase their next home.  A nice, clean offer with NO CONTINGENCIES relating to your current property.
  • Your new purchase is a standard conventional loan through KNOCK at competitive rates with other mortgage companies. No other lender does this specific program.
  • Once you’ve purchased your new home and moved out, we then list your home.  You’re happily situated in your new home, so your original home is sold vacant.  You never have to worry about showing your home because…you’ve moved on.
  • If you need itKNOCK will advance funds [from your equity at 0% interest] to use as a 10% down for the purchase, up to $25,000 towards preparing your existing home for sale (repairs etc.) and advance 6-months of mortgage payments on the original home. If you take advantage of any of these offers, there is no out-of-pocket expense up-front because it will be paid off through escrow when your original home closes. 
  • What does it cost?  KNOCK charges a 1.25% fee BUT NO ORIGINATION fee on the new loan. Often a lender charges 1% or more for loan origination. That minimizes the cost.
  • Finally, that 1.25% fee isn’t paid off until the close of escrow on your original home so it shows up as a closing cost.

We’re very pleased to be a part of this new program…and to share it with you.
____________________________________________________________________________

       INVESTORS - Do You Need A Property Management Company?

Another new Affiliate to help you, if needed – Due to the liability involved in managing rental properties, we are not able to do that as a HomeSmart agent.  However, if you’re thinking of buying (or already own) an investment property, you may have an interest in hiring someone to manage it/them to be sure everything is handled professionally. And you don't have to deal with repairs, collections etc.  HomeSmart just sponsored a ZOOM meeting with Kayla Nelson of Service Star.  480-426-9696.  They will find and screen tenants, do quarterly inspections/repairs on the property, collect rents, keep records etc..  When a new tenant comes in, they will do a detailed video of the condition of the property in the walk-through, make notations of serial numbers on appliances, note the normal wear & tear of the home, making sure air filters are regularly changed and repairs are done etc.   If you need a property management service, you might want to call this company to get pricing and further information.

 

 

Wondering What’s Happening in
Your Neighborhood?
How has the price of your home changed in today's market? 

Whether you're curious about prices in your area, whether it's an excellent time to sell, or just need an expert to answer your questions, we can give you the tools and offer guidance through the entire buying or selling process.

Let us know how we can help by simply calling or emailing to set up a time to connect. I won't waste your time - we'll just give you the honest facts about your home, its value and what's happening in your neighborhood.
Reply to this email
 

Cheesy Cauliflower Broccoli Soup

Fall has arrived, so here's an easy recipe for a deliciously comforting soup to enjoy as the weather starts to cool down.  Easy and tasty. Nothing beats a great cup of soup!

 
 

Serves 4 
• 1 tablespoon butter
• 3 cloves garlic, minced
• 1 yellow onion, chopped
• 2 large carrots, julienned
• 3 tablespoons all-purpose or gluten-free flour
• 3 1/2 cups vegetarian or chicken broth
• 1/2 cup half and half or whole milk
• 3 cups cauliflower florets, finely chopped 
• 3-4 cups broccoli florets, finely chopped
• 3/4 teaspoon salt
• freshly ground black pepper to taste
• 1/2 teaspoon garlic powder
• 2 cups shredded cheddar cheese

DIRECTIONS: 

 

In a large pot, melt butter over medium-high heat. Add garlic, onion and carrots. Sauté until vegetables are tender, about 5 minutes.

Stir in flour to coat vegetables, then slowly stir in broth. Add milk, cauliflower, broccoli, salt, pepper and garlic powder. Bring it to a simmer. Cook until broccoli and cauliflower are tender, 10-15 minutes. Stir in cheese and reduce heat to low.

Pour 3 cups of soup into blender and carefully blend until smooth. Return blended soup to pot and stir to combine. 

Serve with extra shredded cheddar on top, if desired.

Real Estate 2020

2020 is a year for the history books – one of every possible unimaginable situation has occurred.  When the pandemic hit in late February/early March – life stopped as did many businesses.  We said at the time that we thought by the end of the summer, real estate would come back due to pent-up demand, lower interest rates and lifestyle changes that would blow everything wide open. The latter comes from the many workers who will continue to work from home so they’re buying larger homes to accommodate their "new normal" lifestyle.. 

  • Inventory has been low – potential sellers didn’t want people in their homes during the first few months – but safety measures were put in place by the NAR (National Association of Realtors).
  • Real estate photography became more video-oriented to show the floor plan flow better so more viewing was done on-line until it was time to make an offer.  Then people were willing to wear gloves, masks and even booties to actually see the property they like.  Some homes were purchased sight-unseen.
  • Interest rates are lower than ever which also gives people the inspiration to refinance or move.
  • Buyers can expect fewer properties for sale due to low inventory thus with "supply and demand," home prices have increased.  Assuming right-pricing (will appraise at value), buyers are not winning their bid on homes if they offer under the asking price,
  • Buyers always have a dream list of what they want in a home; today, you might have to adjust the dream due to the higher prices and lower inventory of homes. 
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                    Do you love writing - just for fun?   
           Our virtual writing group would welcome you.

    If you’re someone who loves to write, join a small virtual writing group – just for fun. I’m in one looking for a couple more people.  It doesn’t matter where you live because it’s on-line on Tuesday’s (AZ time) at 2:00 p.m. for an hour. The leader gives us prompts/topics, sets a clock; we write whatever pops into our head. No rules-no criticism-just have fun.   Hemingway it isn't - but off-the-top-of-your head FUN, Yes.  Here's a sample:

Prompt:   SWEATER WEATHER/or FAVORITE SWEATER.  (10-minutes to write)

      Ah, sweater-weather! All summer long, when sweltering in the 110-degree temperature, I fondly think about the season ahead, Autumn, when sweaters come out from the plastic storage bin under the bed. Summer is over and at this age, I prefer to cover up.   I remember when I had arms that didn’t flap in the wind or were covered with weird "things."  Those memories are replaced by realities so sleeves are my "thing."

 

      Autumn, my favorite season, begins with the cooler evenings where we can enjoy being outside - either on our patio or social distancing/outdoor dining. There is nothing like the cozy feeling of putting your favorite sweater on.  Mine is a 20+ year old white Boucle sweater I bought at CURVES so long ago…It zips up the front with a bit of a raised collar so it covers the back of my neck…that spot that you don’t want to feel the night chill.

 

That sweater hasn’t been seen in public in years by people I know – it’s just too – well, old.  It still washes up brilliantly Clorox-white but is a bit stretched out in areas. But then, so am I!  I’ve never taken a road trip or vacation without that sweater folded up in my tote bag - not since the day I bought it.  It’s saved me from shivering on many airline flights where the air is cold enough to be mistaken for a meat locker.  Or its been rolled up and put in my backpack for walks or adventures. I’ve rolled it, folded it and wadded it up – it always looks the same. Sometimes before it is cool enough for warmer clothes, I’ll wrap myself up in it, curl up in the chair next to Al and watch TV at night.  It feels so familiarly cozy.  I never had a BLANKIE as a child, but my old, white sweater is my version on the opposite end of childhood.

 

If anything ever happened to that sweater, I’m quite certain psychological help would be needed.  It’s been my friend and companion, protecting me and making me feel warm and cozy for so long.  I’ll treasure it until it falls into shreds.

FOREVER ON THANKSGIVING DAY, THE HEART WILL FIND THE PATHWAY HOME…Wilber D. Nesbit

This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.
                                                                 
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Jean's October 2020 Residential Newsletter

Posted On: October 2nd, 2020 12:22AM

 
The Batson Team
HomeSmart
http://www.alandjeanbatson.com
 
 
 
 
 
 
Jean Batson
602-228-0756
Jean@AlandJeanBatson.com

Al Batson
602-680-2791
Al@AlandJeanBatson.com
 
 
Quick quiz

Each month we'll give you a new question.

Just reply to this email for the answer.

What did Thomas Edison invent in October 1879?

Reply to this email
Click here to see a web copy of this newsletter
October 2020

October 12:  To our Canadian friends – Happy Canadian Thanksgiving

October 12:  Columbus Day - a U.S. holiday that commemorates the landing of Christopher Columbus in the Americas in 1492. For many, the holiday is a way of both honoring Columbus' achievements and celebrating Italian American heritage.  It's part of our history.

October 31: Happy Halloween – trick or treating might have a different look this year so check your local area for more information on Trick or Treating and other celebrations
.

Don’t forget – (not in Arizona or Hawaii) – November 1 at 2:00 a.m. - clocks are turned back one hour. We'll remind you in November!

                        What's Happening?  Helpful Tips

The first two items came from Farm Bureau Insurance - click and learn!

1)  DISPOSING OF YOUR ELECTRONICS

https://www.fbfs.com/learning-center/how-to-dispose-of-electronics-to-protect-your-information

2)  TAKING A HOME INVENTORY FOR INSURANCE PURPOSES:

https://www.fbfs.com/learning-center/tips-to-inventory-your-home

3)     SEWER LINE INSURANCE? – we’ve run across a few situations you might find interesting. The practice of "scoping" the sewer drains leading from the house has become an interesting addition to the process of home inspections. The photo came from a beautifully maintained older home where the scope revealed a serious issue with roots overtaking the pipes. It was a shock!  A friend of ours had a similar situation in her home - it was built in 1997.
     In another situation, the Buyer’s home inspector hired Camera Inspection Pros to do a scope on an older home. What the camera revealed saved the buyer from making a very costly mistake because the scope showed enormous potential issues which would have caused severe back-ups of sewage into the property at some point.  Needless to say, the Buyer decided not to purchase that property. The Seller was provided all of the inspection information.
     That means the Seller was notified thus that knowledge requires the owner to disclose that information to any future potential buyer.  So sewer pipes can be a major issue. Likely as not, the Seller had no idea what was lurking under the house...but once you know, you must disclose. If you're interested, click on the link below to read more about who needs a scope. It's not just for homes "of a certain age."

Bob Nau of Nau Inspections www.nauinspections.com, is a very thorough home inspector. For scoping he recommends:  Jason Tasch of Camera Inspection Pro https://camerainspectionpros.com


That being said – check with your City Water Department. Many of them offer a sewer line insurance program which could save the homeowner thousands of dollars down the road.

Want to Sell Your Home Fast? Get My Free Guide

Preparing your home for sale can make the difference between getting the price you want - or ending up disappointed.

Discover some easy things you can do by requesting my free guide, "50 Tips to Prepare Your Home for a Speedy, Top-Price Sale."

Just call me and I'll send it right out to you.

Reply to this email
Part II/What information Your Executor Should Have

Last month we brought up the importance of making sure at least one person knows your wishes and information. Our friend lost her young son and had a challenging time trying to find his assets and information in order to handle the many issues of death. A dozen items everyone needs to  have on hand for the next of kin – a gift from you to them.
     Case in point that worked for my family - every so often in my adult years, my Dad would give me a sealed envelope to keep in a safe place...just in case. He warned me NOT TO OPEN IT.  Good thing I didn't because he'd replace it with updated information every few years and would know if I'd betrayed that trust. He felt safe knowing that if something happened to him/them, I'd have the information needed.   We've done the same thing except it's in the "Cloud" so we can allow access to certain documents and replace as needed.

 

1.  Bank accounts (where/# of accounts), including checking and savings or CDs.

 

2.  A spreadsheet or list of passwords because most of us keep our "life" online. VERY IMPORTANT!

 

3.  Investment accounts including contact information for manager of accounts. Remember, you'll need a Death Certificate for most institutions.

 

4.  Information on your real estate.. If you have a mortgage, your survivors would need information on who the lender is when the payments are due, how/when to pay property taxes and your Deed.  And, of course, keys. (alarm code if needed)

 

5.  Naturally, your wishes should be in writing (Will/Trust/Living Will, Power of Attorney) and cremation/burial information. 

 

6.  A list of people who should be contacted; their email or phone if something happens to you.

 

7.   Insurance. A list of the agent and company of any life, vehicle, property insurance as well as Health, Medicare and Supplemental insurance.

 

8.  Retirement accounts,  pensions, 

 

9.  Social Security number, what account it is deposited into, etc.

 

10. Information on any vehicles or toys that have value and or licensing involved. Note: if you're a married couple, it is easier to sell if the title is "John Doe OR Jane Doe."

 

11.  Distribution of personal items.   Indicate disposition of furnishings, that hasn’t been predetermined.  And jewelry is specified as to who gets it and what gets sold. What happens to vehicles? Real estate?  Specify who should sell your home.

12.  Make sure your Executor has keys (or knows where they are) for your home, vehicles, safety deposit boxes etc.  

 

 

Wondering What’s Happening in Your Neighborhood?
How has the price of your home changed in today's market? How much are other homes in your neighborhood selling for? Do I need a house inspection? These are all critical questions that shouldn't be overlooked when thinking about buying or selling your home.

Whether you're curious about prices in your area, whether it's an excellent time to sell, or just need an expert to answer your questions, Al and Jean can give you the tools and offer guidance through the entire buying or selling process.

Let Al and Jean know how they can help by simply calling or emailing to set up a time to connect. They won't waste your time -  just give you the honest facts about your home, its value and what's happening in your neighborhood.  REPLY HERE!
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Spooky Deviled Eggs
Who doesn't love deviled eggs?  I make them but couldn't tell you the recipe because it's just the way I've always done it...but here's a fun version 

SPOOKY DEVILED EGGS:

  • To cook the hard-boiled eggs, add them to a pot and cover with cold water by at least two inches.
  • Bring to a full rolling boil for one minute, turn the heat down to low, cover and let sit for 15 minutes.

6 hard-boiled eggs (cooled and halved; scoop yolks into a bowl and add remaining ingredients.)
3-4 tablespoons of mayonnaise
1 teaspoon Dijon mustard
Salt and pepper to taste
12 large pitted black olives 

  • Depending on how smooth you like your filling, you can use a fork, small masher or hand blender. (I always add a light touch of sweet relish - and extra mayo - then use a hand mixer to make them smooth and easy to put into the eggs)
  • Taste and add salt and pepper to your liking. You can also add the remaining tablespoon of mayonnaise, if desired.
  • Fill the egg whites with the deviled egg filling. You want a small mound on top of the egg to mimic the "body" of the spider, but not too much. About a Tablespoon per each egg-half.

How to make Deviled Egg Spiders

  • To prep the olives, cut six in half and set aside. Cut the other six in half, trim both ends off (just the very end) and cut into four slices or half-moon shapes.
  • When all of the eggs are filled, place an olive half right in the center and four olive slices around each edge.
  • You can "hook" the olive slices on the edge by pressing one end down into the filling and cupping it around the edge of the egg to give that spider-leg look.

You’ll want to assemble and serve these on something that holds the eggs in place, or make sure the bottom of the egg is very dry. Otherwise, they will slip and slide all around  - you want them to stay put!

I always use a deviled egg dish; if you don't have one,, the Dollar store sells them.
Getting Away During Covid

A SLICE OF AMERICANA:

            Recently we found a great Airbnb, The Coronado House in Prescott.  It was time for a little change of scenery and heat index.   Its an easy drive; 2 hours or less, with lots of open space between Phoenix and Prescott. [By the way, don't pronounce the town as 'PRESS-COT': the locals will jump all over you - the correct pronunciation is "PRESS-KIT."]

           It was wonderful getting away for a few days – we never turned the TV on once. Not one annoying commercial to endure...only a few more weeks of that!  The quiet was heavenly. As we sat on the porch one evening – a deer strolled right in front of us without a glance in our direction.  This house was only a mile or so from Courthouse Square so we didn't expect wild life.  Prescott is such a great respite from life.

          The Courthouse Square in the middle of town reminds you of the square in the old movie "Back to the Future."  The courthouse, built in 1916, is surrounded on all four sides by lawns where you see locals and tourists having a picnic, chatting with friends or reading a book.  On our last night in town (a Thursday), our Indiana pals (Susie & Gerry), who summer in Prescott, suggested we get a "Kevin Bacon pizza" [incredible I might add] at Bill’s Pizza, then take our canvas chairs to picnic on the courthouse lawn so we could properly "social distance."  It turns out that the originally scheduled 4th of July patriotic performance had been postponed so the Central Arizona Concert Band performed that evening unexpectedly.  The crowds gathered as the music started…. Marches, Armed Forces salutes and other patriotic music filled the night air.  And when John Phillip Sousa’s Stars and Stripes and the Star-Spangled Banner were played, there was a wonderful display of patriotism.  People were standing, hand-over-heart respecting our flag and country.  It was like the old America we grew up with.  It was refreshing.

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     It's soon going to be time to check your tire pressure
         

        Our Ace Mechanic reminds us all to get the pressure checked in our tires.  As the temperatures begin to cool, the air pressure in your tires may fall below the manufacturer’s recommended pressure.  Most tire stores will check your tire pressure if you ask them.

        You couldn’t plan this photo if you paid Hollywood to do it – this little guy was actually checking out Al’s tires one morning when we went out to the car – which reminded him to tell you that it’s the time of year to check your tire pressure..  We can’t make this stuff up! You can imagine our surprise - we had to get a shot of Al's pal.  Maybe Geico sent him!

                                                                                     
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.
                                                                 

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Jean's September 2020 Newsletter

Posted On: September 4th, 2020 4:15PM

 
The Batson Team
HomeSmart
http://www.alandjeanbatson.com
 
 
SRES (Seniors Real Estate Specialists)
 
 
 
 
Jean Batson
602-228-0756

Jean@AlandJeanBatson.com

Al Batson
602-680-2791

Al@AlandJeanBatson.com
 
 
Quick quiz

Each month we'll give you a new question.

Just reply to this email for the answer.

Who was the cha-cha champion of Hong Kong in 1958?

Reply to this email
Click here to see a web copy of this newsletter
Ask Al and Jean
How Is an Offer Different from a Contract?

     When you have decided on a home you would like to purchase, you will be expressing your willingness to offer to purchase that home, and it can be expressed in verbal or written terms. Once your offer is presented to the seller, the terms can be negotiated between both parties.

     If a meeting of the minds is reached, then a binding contract to purchase is created. By law, the purchase contract must be in writing. The typical purchase contract will contain a detailed description of the property, the price, the terms of purchase and the date of transfer.

     Offers to purchase can be revoked prior to acceptance. Contracts are binding once fully executed by both parties and would require mutual agreement to terminate. Our goal is to make the home purchase process as clear as possible for you and to provide accurate answers to this and all of your questions.
Product Recommendation for your Home - Save your stove top

https://stoveguard.com/

            Al had been looking for just the right product for protecting our stove top and for total ease in cleaning.  There are so many variations in stove tops - number of burners, how they’re configured etc. This website is easy to navigate -he got the Make/Model of our stove top and ordered it online.  He never mentioned he was researching such a product; he just came in, unrolled it and placed it on the range top under the grates.  It was magic.  Not only does it protect the underneath portion but if you have a spill-over,  a little water or Windex and a paper towel – good as new.  Or remove the Stovegard to wash it in the sink if you've really had a "situation."  Here are a couple of photos – I was boiling potatoes (to mash – God’s gift to the Universe) and let them bubble over to make a mess (I’ll do anything to show you).  After the burner cooled down,  I gave it quick clean.  Like new again!   I love this product - and it sure beats anything else we've tried over the years.

Check out the link above for better information! 

Thinking of Buying a Home? Get our Free Guide

Buying a home is a complex process with many factors to consider.

Prepare for the decisions you’ll need to make along the way by requesting my free report, "Buyer & Seller Tips."

Just call us and we'll send it right out to you.

Reply to this email
TAKING CARE OF THE BUSINESS OF LIFE
A GIFT TO YOUR LOVED ONES

     In the past, we’ve mentioned how critical it is to have your affairs in order NO MATTER YOUR AGE [over 18] OR financial assets – to have a Will or a Trust.  So many people think it isn’t necessary unless you own property or have vast investments.  Of course, one should have legal instructions no matter what your financial situation or age is. If you have nothing but a checking account, at least provide the bank with the name of an alternate person who can access your account if something happens to you.

      Case in point, very recently a friend of ours lost her son suddenly and tragically. He was not married; nor did he have children.  She flew to Phoenix to take care of business but there was very little information to go by. She wasn’t listed on any accounts and his records were sporadic, at best.  There were a few papers and credit cards, and keys to a Safety Deposit box – but at which bank?  We went through the plastic cards – there were a few bank cards and a Debit Card.  We went to four different banks trying to determine if he had a current account.  Each time we asked if there was a Safety Deposit Box in his name…finally, we  tracked down his box at a different branch. Once a Death Certificate is presented, there is a 30-day required HOLD to access accounts...and a Court Order is required when someone dies intestate [without a Will].
     Most of us don’t know where our adult children bank, what credit cards or debts they have, payments, memberships, passwords. As in our friend’s case, it has been a horrific task to find these things out in order to do what is necessary.

     No matter who you are or what you have, somebody [probably a family member]  should be in the loop as to your general information [accounts, beneficiaries, passwords, any information assuming your living quarters need to be closed down, names of people to notify etc.]  Especially if you are unmarried. 
     It was so difficult for our friend to deal with the loss of her son to begin with…then to have to figure out his life, etc. was tragic and painful to watch. If you don’t want to give someone a document, put all of that information in your home; but make sure your next of kin knows where it is.

     We asked our family members to be sure someone is in the loop and legally able to take over in an emergency.   It’s a very considerate gift to give to your loved ones.

Wondering What’s Happening in Your Neighborhood?
How has the price of your home changed in today's market? How much are other homes in your neighborhood selling for? Do I need a house inspection? These are all critical questions that shouldn't be overlooked when thinking about buying or selling your home.

Whether you're curious about prices in your area, whether it's an excellent time to sell, or just need an expert to answer your questions, we can give you the tools and offer guidance through the entire buying or selling process.

Let us know how we can help by simply giving us a call to set up a time to connect. We won't waste your time -  just give you the honest facts about your home, its value and what's happening in your neighborhood.
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Refreshing Dessert - takes 1 minute

What’s for dessert?

                September is the beginning of the end of our summer here in Arizona so most of us don’t want to bake but would like something easy and refreshing.  Growing up in Illinois, they were called BLACK COWS, but Al tells me that he grew up calling them BROWN COWS…universally, they’re called ROOT BEER FLOATS!  We’ve served them often – guests often have said "Why don’t we ever think to make these?"   We may personally be responsible for the resurgence of this treat.  In my old home town of Elmhurst, Illinois, there was an A & W Drive-In – a place we kids loved to go to for a "Black Cow."  It’s been gone for years…but the memory lingers on.

 

All you need is VANILLA ICE CREAM, Root Beer (we usually have A & W on hand), an ice cream scoop, a glass/mug, a spoon and a straw….we put the ice cream in - lots of it; then slowly pour the COLD root beer over.  That’s it!

To serve six (6), we'll buy the

  • 2 quart A & W ROOT BEER
  • and have on hand a 1/2 gallon of Vanilla or French Vanilla ice cream. 
  • Use what you need - plenty left for another time if it's just two of you.

 

 Maricopa Property Taxes Due October 1st

     Due dates for commercial and residential property taxes are the same; October 1 for the first half of this year and March 1 of the following year for the second half. Delinquent dates are also the same.  To pay them on-line, here is the link:  https://treasurer.maricopa.gov/

Maricopa County makes the process so simple.  You can sign up for e-notification as well as paying on line. 

      WARNING:   If you’ve recently bought a home your taxes may/or may not have been pre-paid depending on when you closed.  Do not be lulled into complacency that you don’t owe anything by October 1st.  Go to the website and find your property – it will tell you what you owe.

     We just paid ours on-line while reviewing the process.  Your property is identified by an APN NUMBER [Assessor Parcel Number] which can be found on your property purchase paperwork OR you can click on GET APN which will take you to the County Assessors Office.  then you can return to the MARICOPA COUNTY TREASURER'S website to complete the payment  

  • Click on PAY your taxes
  • Add your APN number
  • Fill the information in and verify the address etc.
  • Add your credit card number
  • Verify again and SUBMIT. 

You’ll immediately have a receipt of payment in hand.  We always put it on our annual calendar to remind us that they’re due October 1st and March 1st.    There you go – all done!

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This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.
                                                                 
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Jean's August 2020 Newsletter

Posted On: August 1st, 2020 6:05PM

 
The Batson Team
HomeSmart
http://www.alandjeanbatson.com
 
 
 
 
 
 
Jean Batson
602-228-0756
Jean@AlandJeanBatson.com

Al Batson
602-680-2791
Al@AlandJeanBatson.com
 
 
Quick quiz

Each month I'll give you a new question.

Just reply to this email for the answer.

Who really invented champagne? Hint: it's probably not who you think!

Reply to this email
Click here to see a web copy of this newsletter
Ask the Agent
What Is a Loss History Report?

When you prepare to buy a home, the seller is required to provide a five-year history, if any, of any insurance claims for losses have been filed against that home. Fortunately, the insurance industry has a system for documenting the history of losses associated with residential property. Claims become part of "loss history reports" that typically go to the Comprehensive Loss Underwriting Exchange (C.L.U.E.), a national database that assists home insurers in underwriting insurance policies. If you're the seller, you will need to order that from your insurance agent; then provide it to your Realtor. Even if you've never had a claim, it has to be provided to the Buyer. We then, provide it to the Buyer. Of course, anything shown should also be documented on your property disclosures.

C.L.U.E. reports document the types and amounts of losses and the status of any claims covering the past five years.

We are here to cover every angle that will help ensure your home-buying success. The loss history report is one of the most important tools to make that happen.
Kitchen Tips
  • How to Clean Your Cookie Sheets:  Sprinkle baking soda all over the pan, then hydrogen peroxide, and then add more baking soda.  Leave it to do its magic for 2 hours.

            http://healthyworldlifesltyle.com/2020/05/27/how-to-clean-your-cookie-sheets/

  • If you’re making something that splatters, instead of using a large fry pan, why not use a deep full-sized pot - it catches the splatter. That avoids messy clean-ups.
  • Making meatloaf or meat balls?  If you don't have bread crumbs, try using crushed Ritz crackers, cornflakes or onion-flavored potato chips.  To crush, measure the amount you want, place in Ziplock bag and roll with a rolling pin or pound with a meat tenderizer.
  • Buying fresh corn-on-the-cob?  To tell if it is fresh, prick the top kernels with your fingernail.  If the juice looks milky, it will be sweet and fresh.
  • Buying an Avocado? If the avocado yields to firm gentle pressure you know it's ripe and ready-to-eat. Ripe, ready to eat avocados may have a darker color but color can vary so it is best to go by feel as well as color. It will feel lightly soft but it will not "mushy" to the touch. Ripe fruit is perfect for that day.
  • How to cut your avocado into chunks?  Cut in half, remove pit, slice and remove with a spoon. A picture is worth a thousand words.
Life's Purpose

 

I heard this on a radio show the other day when a person was saying she had no purpose in life. The moderator asked if she’d like to hear the definition; to which she replied, "yes."

           "The definition of having purpose in life

                 is to live your life to benefit others."
 
 

That is so nicely said.  Always, but especially now, give someone a smile - get in touch with a family member, friend or neighbor just to see how they're doing. Don't forget those living alone. And Seniors who might need a hand. 

(Irony: I just wrote the above about staying in touch when our phone rang. It was our 106 year old friend in Florida, Captain Robbie Roberts.  He was checking up on US...via FACETIME.  He always amazes us.  He said that due to COVID19, his 106th birthday party was cancelled - so he'll have to wait until next April when he turns 107 for a proper celebration!  That is the epitomy of positive thinking. 

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What's Different in Showing Property Today?

            During COVID19, all real estate related businesses are considered "essential".  People still need to move.  That includes Realtors, Escrow/Title companies, Home Inspections, Moving Companies etc. Right now, inventory is low as are interest rates (as low as under 3% for qualified buyers). We are regulated by the NAR (National Association of Realtors)as far as guidelines to adhere to. 

            Many processes remain the same, Buyers often look on social media websites when searching for a home.  Buyers do a lot of looking and eliminating properties online before they’re ready to narrow it down to a few to actually visit in person with their Realtor.

            When viewing a property with the Realtor, here are a few basics – nothing complicated, of course, and mandated in most states anyway when in the public.

  1. Nobody should enter a home or meet with anyone if they’re sick,have a temperature,  tested positive or have been exposed to COVID19.
  2. Everyone is required to wear a mask and gloves upon entering a property. No exceptions
  3. It is easier if children do not come along because it can be difficult to keep some of them from touching surfaces/items in the home.  If they do come, one parent at a time can view the home.
  4. The Realtor will drive separately, meeting the Buyers at the home. Once the home is accessed by the Realtor, they will have you come inside.
  5. The Realtor will open any closets or cabinets for you – then wipe them down with a sanitizer.

     These are very easy protocols to adhere to for everyone’s safety.  Most procedures remain the same as far as making offers and escrow procedures. 
     Sellers appreciate these precautions and thank you for your cooperation – for safety purposes.

                                    Together, we can do this and stay safe.  

And as a side note, we're often asked about the market . That is never just one right answer.- it depends on price, condition and location.  The market is quite brisk.  Homes under $400,000 sell in a day or two as a rule. Often with multiple offers. Inventory is low and demand is high at that price point.

As asking prices increase, the demographics of affordability decrease so sales generally will take longer. An extraordinary home, well-priced in the $400,000-$600,000 range will sell but will likely take longer than the lower priced areas.
  

Just one more thing about properties, especially older ones.  Other than being up-dated (flooring, kitchen and baths), a buyer's first questions will be about the age and condition of the roof and the HVAC system.  If either are at end-of-life, it could be an issue so - price accordingly (and say so!).

Aviano of Desert Ridge Single-Story

Desert Ridge Aviano – new listing.   MLS# 6105742

            If you or anyone you know is looking for a lovely home in the Desert Ridge area (Aviano of Desert Ridge), check out this link.  It is a one-story, two car garage, 3 bedroom, 2 full bath home with high-end finishes, a fabulous floor plan (2341 square feet) with a Great Room, open concept. This one is IT!!  Priced at $589,900.  If you’re not familiar with Aviano, for $183.00 month HOA FEE (plus $37.00/month Desert Ridge Community Association) you get everything you could dream of….Heated pool and spa, Tennis & Basketball courts, Playground, Parks, Bike & Walking Trails, BBQ’s, Fitness center AND activities and clubs for all ages. All within walking distance of this beautiful home.  Aviano is located close to Desert Ridge Marketplace, High Street, Mayo Clinic and an abundance of shops, restaurants and medical facilities.  Even COSTCO is within 10 minutes!  Just a few minutes to Hwy. 101 and 51 so easy access to almost anywhere. This home is perfect for a newborn to 100 years of age.Take a look at this link:  

                           

                                      https://bit.ly/3ffjJ9J

 



Call us for more information:  602-680-2791 or email us.

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DON'T BE SCAMMED
 

We got a call this morning; sounded like a very sophisticated man.  The recording said "Our records show you have purchased a service agreement on your computer.  We are going out of business so would like to send you a REFUND. We'll need some information to process it."  Then you’re instructed to provide them information to get YOUR REFUND. All of your personal information.
THERE IS NO REFUND!  IT SOUNDS SO REAL. If ever a refund was due you, it would never be handled by a phone call.  DON’T FALL FOR IT.

Thank you.
Ole Salad (sort of)
     We were looking for a salad to go with Ole Chicken recently - something different.  We found one online but of course, we tinkered with it.  It really turned out well - we used it as a side-salad but you could make it as an entree salad by just adding some grilled or roasted chicken....or Chorizo...or - whatever you like!

Dressing:  (make ahead so the flavors can blend)

 

1/3 cup extra virgin olive oil

Juice from a couple of limes (1/3rd cup)

½ tsp Tabasco sauce

½ tsp. sea salt

1/8 tsp black pepper

 

Salad:

1 large head of Romaine Lettuce, rinsed, chopped and dried

1 cup Cherry tomatoes/halved

1 avocado, diced (see KITCHEN TIPS ABOVE)

½ small onion thinly sliced

½ cup canned corn

½ cup Feta Cheese

Cilantro to taste

Optional – diced Cucumber, Snap peas or anything you’d like to add

 

Assemble when you’re ready to serve.


Corn bread is a delicious addition to the meal.

A lovely thought
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Every Little Bit Helps: Stimulating the Economy
In times of great hardship, it's easy to forget that all the darkness in the world cannot put out the light of a single candle. There are still effective and everyday actions that you can take to support friends, family members, and local businesses as we collectively navigate the choppy waters of recession and recovery. Take note of these positive tips from financial experts and entrepreneurs to stimulate the economy; every little bit helps!

Buy small. According to the US Small Business Administration, there are 30.2 million small businesses in the US, making up a staggering 99.9% of all businesses in the country. Avoid big companies and take the extra time to check in with local vendors. They are very likely to have online or pickup options.

Order takeout. Don't feel guilty about enjoying your favorite weekly treat. Your patronage of local eateries helps keep the restaurant industry thriving!

Pay your taxes. While not the most pleasant of undertakings, here's a reminder that the simple act of paying your taxes is a significant part of a healthy economy.

Keep your rent or mortgage current.  Don't misunderstand that you can postpone paying as long as you can - some people think RENT is forgiven. It is not. You've heard that during shelter-in-place, landlords can't put you out on the street. If you've still got your job, its business as usual. Landlords have to keep current on their mortgage, taxes, insurance and utilities. If they don't get rent,  they may not be able to keep that roof over your head.

Foster education. If you are able to do so, donate to educational organizations and charities. Financial strategist Michelle Loretta believes one of the best ways you can help individuals increase their earning power and ability to spend is by investing in their education. You can directly contribute to educational scholarship funds and grants.
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.
                                                                 
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Jean's July 2020 Newsletter

Posted On: July 2nd, 2020 6:28PM

You are receiving this email because you are a client or you have agreed to receive messages from us. Click here to unsubscribe.
 
The Batson Team
HomeSmart
http://www.alandjeanbatson.com
 
 
 
 
 
 
Jean Batson
602-228-0756
Jean@AlandJeanBatson.com

Al Batson
602-680-2791
Al@AlandJeanBatson.com
 
 
 
 
4th of July

            This year will be unlike any other in our lives with most firework displays, and events cancelled BUT even though we can’t celebrate in the traditional way, we can honor the day.  Here are a few facts that you may or may not know about Declaration Day.  Trivia anyone?

  • America declared their independence from Britain on July 4, 1776 HOWEVER, the official vote took place two days before even though the "Declaration" was published in the newspapers on July 4th.
  • Only two men actually signed the Declaration of Independence on July 4th; the remaining 54 delegates signed over the course of the month.  The first signers were Charles Thompson and the infamous, John Hancock.
  • There is something written on the back of the Declaration of Independence  (no – not a treasure map in invisible ink) It says "Original Declaration of Independence dates 4th July 1776" Nobody knows who wrote it but it is believed it was added as a label during the Revolutionary War when parchment was often rolled up for transport.
  • The average age of the signers was 45; of the 56 signers the youngest signers, Thomas Lynch Jr. and Edward Rutledge of South Carolina, were only 26. However, Benjamin Franklin of Pennsylvania was the oldest signer at 70 years old.
  • It was written on a "laptop."  Okay – not what you’re thinking, obviously. Thomas Jefferson drafted it on a writing desk that fit over his lap.  At the time it was called a "laptop."  See, what goes around…comes around.
  • Americans spend over $1 Billion on fireworks each year; about 10% of which are set off professionally. Thus, the estimated nearly 13,000 firework-related emergency room visits across the country.
  • Who designed the 50-star flag?  In 1958 a history teacher in Ohio assigned his students the task of designing a flag to incorporate two additional stars to include Hawaii and Alaska.  Robert G. (Bob) Heft, 16 designed a flag that earned him a B- in class. Unhappy with his grade, he challenged his teacher to give him an "A" if his design was selected.  He submitted it to President Dwight D. Eisenhower [along with hundreds of others].  He used $2.87 worth of blue cloth and iron-on materials and his mother’s Singer sewing machine. Of all the submissions, his was the only one with a stitched sample. In 1960, his design became the official US Flag – the one we proudly display and salute as citizens of this great country.  Oh, he got his "A." Want to read more: https://www.mlive.com/opinion/saginaw/2009/12/column_hats_off_to_saginaw_fla.html
What is Alternative Real Estate? 

We are often asked about alternative companies for selling your property.  Our intention is not to criticize any company or method; just present some thoughts for your consideration.  Obviously, you can decide what is best for your circumstance.  Let’s start from the Buyer’s point-of-view only

  •  Since the seller normally pays the BUYERS'S Realtor’s commission, it costs the Buyer nothing to get the expertise of their Realtor. So why would buyers go anywhere else because their own Realtor will closely monitor comparable market analysis, showings, arrange for home inspections, put you in touch with a viable mortgage lender if you don’t have one, handle the request to the seller for repairs by negotiating,  provide data to the appraiser, follow your escrow through for you; making sure you’re protected in every way. Realtors are there for you when you need them.
  • Remember the difference between an "Agent" and a "Realtor" from a recent newsletter?  An agent is a licensed real estate person who can be an employee of a broker (not earning a commission necessarily) but is not a member of any Board of Realtors.  A "Realtor" is a licensed agent whose license is held by a broker as an independent contractor (we pay all of our own costs for materials, signs, flyers, membership dues, lock boxes etc.) SO TO CALL YOURSELF A "REALTOR, YOU MUST BE A MEMBER OF A LOCAL BOARD OF REALTORS.  A broker oversees everything we do to be sure we’re handling everything properly.
  • On average commissions are 6% divided 3% to the listing agent + Broker and 3% to the Buyer's agent and Broker)  for a total of 6%.  As with any occupation, most are hard-working, ethical and reliable with a goal of doing a good job for you; but some are not. A successful closing for the client is our goal.  This is a service industry. In our case, we offer to reduce the commission if we happen to obtain both the buyer and the seller.

There are many companies who say they will sell your home in a certain amount of time for the

asking price or much more saving the seller thousands of dollars.  We don’t know all of the answers as to how such claims can be made but here are observations based on experience and research. 

  • Some claim the" seller never pays 6% in commission."  They may quote a flat feel (such as $1,500).  Does that fee cover everything the seller really ends up paying? That might eliminate Realtors from presenting offers unless the seller agrees to pay them. How does such a company pay for staff/rent etc. at that rate on such a small flat fee?  Some do say in the fine print that it "does not include buyer’s agent fee."  Who is "assisting" you?  How much personal help do you get?  Are they available all the time or during "business hours."  Do you get assistance in showing how to declutter and stage for sale?
  • If a buyer sees a listing online that is not in the multiple listing service (but they have a Realtor they want to handle the sale), doesn’t the seller end up paying for the buyer’s agent/Realtor if they want that offer anyway? 
  • Some discount companies do not place their listings on the multiple listing service; counting on the fact than many people shop for a home on the internet…which they absolutely do. However, a big percent of those people who find a property of interest online will send it to their Realtor to check out and/or to show or write a contract. Algorithms certainly can determine what type of buyer will search for your property but does that bring them to your listing?  If so, how?
  • If your home is not on the multiple listing service, you don’t have the protection of the SUPRA lockbox (which registers every Realtor accessing the property).  And/or do you want strangers coming to your home? You must be a member of the Board of Realtors to purchase the SUPRA LOCKBOX.
  • Some promise you’ll have a buyer in 3-days at thousands of dollars above traditional sales.  That makes us wonder (unless they’re buying the property to resell) how could you know that?  In 3-days?  At thousands above listing?  
  • There are a couple of well-known companies who will purchase your home for a closing within a couple of weeks.  If you absolutely had to leave the property and/or needed to get out from under the obligation of ownership immediately, this could be a viable option.  Or perhaps you have found a house you absolutely want to move forward with (without contingencies), this could be viable for that circumstance as well. The company makes an offer sight unseen (in our experience lower than the seller would normally take) but…the sale is completed with cash in-hand to the seller so that can be worth it to the seller.  If repairs are necessary, and usually are, the seller can do them or leave them for the company to handle but the costs will be deducted from the proceeds.  They charge the seller’s (usually between 6-12%) to handle the transaction. Those companies then turn around and put those homes back on the market for sale after prepping it (repairs/upgrades if needed). These companies,of course, have to cover their costs to market your property once you'd been paid. Most have restrictions on properties they WON’T purchase, such as location, lot-sizes over ½ acre, distressed/REO, tenant-occupied, age of home, no leased-solar and maximum price (some around $500,000). There are two good companies we trust doing this if this meets your criteria.  You may not save money but the relief of having your home sold within a couple of weeks could be worth a lot if time is of the essence.

If you have any questions on this, please don’t hesitate to contact us.  We’ll do our best to clarify.  Basically what we're advising is ASK ALL THE RIGHT QUESTIONS, READ ALL OF THE FINE PRINT before making a decision.

 

The National Board of Realtors, Arizona Board of Realtors and our local boards (we belong to two) have come together with best practices for Realtors during COVID19.  Properties are selling!  There’s a shortage of listings currently.  Obviously, location and price range has a great deal to do with the market.

We’re ready to help you.  Vacation plans for the year have been cancelled so we’ll be right here.
Want to Sell Your Home Fast? Get Our Free TIPS

Preparing your home for sale can make the difference between getting the price you want - or ending up disappointed.

Discover some easy things you can do by requesting our free TIPS, We wrote one both
for Buyers and Sellers

Just call or email us to send it right out to you.

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A friend's analysis regarding masks

A friend and client from out-of-state said this so beautifully about the mask issue [which are 
uncomfortable but…]

"Whether it's a restaurant, Home Depot, or the grocery store, we think we owe it to the people who are going to work there every day, to do our part to protect them (and us) from unwanted germs.  I appreciate the clerk at the supermarket who goes to work instead of collecting unemployment and I am happy to do my part to make sure all are safe.  We hate that this courtesy has been turned into a political statement - we just want to be cautious!"

Keep in touch with the CDC: https://www.cdc.gov/coronavirus/2019-ncov/php/open-america/contact-tracing/index.html?linkId=91283040

Something to think about!

What’s the secret to a happy relationship? Based on life experience - ours!

So simple – the basic GOLDEN RULE…treat your mate (partner, friend, relative, client, co-workers) as you’d like to be treated.  Works like a charm.   And laugh. 

Life is much easier when you can enjoy each other and treat each other with respect and kindness and have fun at the same time.
 



What do these words have in common?
 

                      Banana
                      Dresser
                      Grammar
                      Potato
                      Revive
                      Uneven
                      Voodoo
                      Assess

See below for the answer but first, give it some thought.



By the way - if you have any real estate needs or questions, we hope you'll contact us:

Al@AlandJean Batson.com     or    Jean@AlandJeanBatson.com
602-680-2791                                     602-228-0756

.
Reply to this email
 
THE BADGE
Thanks to the over 90% of GOOD cops who wear it.  Something to think about when you need help or someone to solve a crime. This was sent to us as a quick point written by a Policeman
entitled THE BADGE:


https://1drv.ms/b/s!AoYWSfxc3a0o8gKHZOTEUWFgFCBQ?e=ftjaE7

The Answer as to What Those Words have in Common!!!
If you take the first letter of each word and put it on the end...it spells the same thing backwards!  (Another trivia question)
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6 Hygge Decor Tips to Bring More Calm to Your Home
When it comes to home comforts, the Danish have it down! Using the principles of hygge, the concept of valuing warmth, coziness, and togetherness, Danes infuse their decor with the good feeling that arises from an aesthetically pleasing and well-curated environment. Take a leaf out of their book and use these decor tips to get the Hygge flowing at home.

1) Avoid loud color schemes. Instead, create a calm space with a monochrome or delicately balanced palette: think earth tones and soft hues. A neutral color palette takes the focus away from the walls and allows the room and its comfy contents to do the talking.

2) Balance your harmonious colors with texture. A mixture of materials and patterns adds character to the minimalism whilst adhering to the color palette. Use warm, natural textiles like wood, leather, and wool.

3) To be able to truly embrace the Hygge lifestyle and make space for coziness, a mess-free canvas is crucial. Try decluttering your living area and investing in smart storage solutions like cord hubs, ottoman storage boxes, and hidden shelves behind headboards.

4) Once you've cleared your space, create comfort by decorating with fluffy pillows, layers of blankets, and candles. Perhaps there's a nook or a window bench you can transform into a space for relaxing with a cup of coffee or tea and a good book.

5) Candles are to Hygge as water is to swimming. Transform ordinary evenings into candle-lit memories with the soft glow of candles. It's a kinder form of light perfect for relaxing and spending quality time with loved ones. Today, it is safer to use the flameless candles; safer and cleaner but with the same effect. 

6) Explore the simple pleasures of daily rituals in your surroundings, and set aside time for self-care and relaxation every day to instill Hygge within.  Relax....
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.
                                                                 
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