Deb Evans ABR,CSG - ERA Key Realty Services



Posted by Deb Evans ABR,CSG on 5/1/2020

This Single-Family in Attleboro, MA recently sold for $569,000. This Contemporary,Ranch style home was sold by Deb Evans ABR,CSG - ERA Key Realty Services.


Lot 92 Colonial Way, Attleboro, MA 02703

Single-Family

$569,000
Price
$569,000
Sale Price

7
Rooms
3
Beds
2
Baths
STUNNING BRAND NEW EXECUTIVE STYLE RANCH ONE FLOOR LIVING! -LAST ONE LEVEL HOME IN THE FINAL PHASE OF DESIRABLE ROLLING HILLS ESTATES SUBDIVISION! This Model Home IS UP AND READY! Offering an Open Floor Plan that features 3 Beds- 2 Baths -Designer features throughout - Fireplace -HW floors, Vaulted Ceiling in the Large living areas.Solid Wood Cabinets-DESIGNERS DREAM Kitchen w/ QUARTZITE Counters -Split Bedroom design! Town Sewer, Water & Gas..a perfect homerun! Minutes to all major Highway access and commuter rail! Come see why this is such a desirable area! Don't miss out on this one!

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Categories: Sold Homes  


Posted by Deb Evans ABR,CSG on 4/28/2020

When you have a small yard, you may feel like thereís not much you can do with your landscaping scheme. The good news is that there is plenty that you can do to perk up your yard and give it some character. Read on for tips for your small yard. 


A Yard With A View


First, you should create a focal point in your yard. You want a place that your eyes are drawn to each time you enter your yard. This focal point could be a fountain, a pergola, a tree, or even some outdoor artwork.


Create An Intimate Spot


Even though your backyard might be small, having a spot for intimate conversation and entertaining can be a nice touch to your yard. When there is a space that exists for reading, relaxing, eating, or whatever you like to do outside, it becomes more inviting. This is landscaping with a purpose.   



Use Color To Your Advantage


Make bold colors pop in your yard. Attention will be detracted from the size of your yard and the focus will switch to the beautiful blends and colors that are in the space. Placing bright colors strategically will even make your yard appear larger. 



Trick Imagery


By creating a focal point and allowing your yard to form in long, clean lines, the perspective of the outdoor space will change from small to just right. One trick is to use fences to define your yard. If you have a garden, you can use a small fence to define this area. Define the boundaries of your backyard with a fence as well. Repeating rows of flowers or bushes is another way to create those straight, defining lines. 


Use Vertical Features


When space is limited, just as you would in the inside of your house, donít be afraid to go up! You can plant things that grow on a vine and can be tamed with a trellis or pergola. This creates and elegant effect in your home. 


No Lawn No Problem


If your yard is small enough that you may not even have much grass, donít fret. Any kind of greenery can help you to enjoy nature. Whether you live in a rural area or a large cityscape, thereís always room for plant life and green natural accents.      


Donít Forget To Add What You Love


If you have an admiration for sitting by the fire, you certainly should install a fire pit. If you want a fountain, you should install it. No matter what the size of your yard, itís a place that you love and should serve you and your needs. No yard is too small for enjoyment. The key is that your outdoor space allows you to bask in the glory of your own little piece of natural heaven.    


 





Categories: Uncategorized  


Posted by Deb Evans ABR,CSG on 4/23/2020

This Single-Family in Uxbridge, MA recently sold for $330,100. This Split Entry style home was sold by Deb Evans ABR,CSG - ERA Key Realty Services.


70 Saint Andre Dr, Uxbridge, MA 01569

Single-Family

$319,900
Price
$330,100
Sale Price

5
Rooms
3
Beds
2
Baths
New to market 3 bedroom, 2 full bath split entry home. New roof in 2019 with architectural shingles. New electric water heater. Security system, central air conditioning. All freshly painted. Bathroom fully remodeled with brand new tile, vanity and granite. Open family fireplaced family room to dining room with vaulted ceiling featuring newer hardwood floors! So many updates have been already been done! Large level private yard. Partially finished lower level with wood stove to assist with those winter heating bills! Built in wet bar with granite counter top! Additional partially finished bonus room with endless possibilities! Make your appointment now! This home s ready for it's new owners!






Categories: Sold Homes  


Posted by Deb Evans ABR,CSG on 4/21/2020

Photo by 3D Animation Production Company via Pixabay

Have you received your 401K packet? It probably had some selections to make, such as a list of investment options to choose from. A small choice like this makes a big difference down the road. Whether you own a 401K, need to fund your own retirement, are putting a down payment on a home, or have some money left to you by a relative, there are some basic investment principles.

Stocks Are Still Your Best Bet

Every decade or two, the stock market tanks, everyone panics and some people say stocks are just a gamble. And if you get excited and buy in heavily while the Dow is nearing its peak, you will have a problem when the inevitable downturn comes. But consider this: since 1957, when the S&P 500 (an index of the top 500 stocks, a more accurate all-around market measure than the Dow) was established, its issues have returned around 9 percent a year. That’s despite a decade-long slump in the 70’s, the dot.com bust of 2000, and the “Great Recession” that started in 2008. If you’re in the market for another 20, 30 or 40 years, these setbacks are merely a dip in your long-term, upward progression.

Some other pointers:

  • Dollar cost average by buying small amounts regularly over time. If you’re in a 401K, this is automatically done for you. Don’t “buy high” by jumping on board when the market’s hot.

  • If you have a 401K, try to make the maximum contribution. If your employer matches, you’re turning down free money if you don’t.

  • Don’t get excited about what’s hot today. When stocks are low, some people say gold is a no-lose choice. It’s not. It will come down. In the late 90s, day traders were bragging constantly about their latest coup, investing in startups that had never made money and never would. It came to a screaming halt in 2000. 

  • Be careful of picking individual stocks. Few people beat the market average. Even professionals who manage funds don’t do well. Favor index funds. An S&P 500 index fund buys every stock in the S&P 500. It doesn't try to outguess the market. 

  • Financial advisers may come to you suggesting their favored investment. Be leery of anyone who presents a solution before understanding your situation.

Stick to a sound, steady plan and don’t get rattled by the noise around you, and you can build a comfortable nest egg over a lifetime.




Tags: Investment   401K   Stocks  
Categories: Uncategorized  


Posted by Deb Evans ABR,CSG on 4/14/2020

Image by Jojje from Shutterstock

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

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

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

Key Issues with Balloon Mortgages

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

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

Why People Opt for Balloon Loans

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

The One True Strategy

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

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




Tags: Mortgage   homebuyers   Financing  
Categories: Uncategorized  




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