RE/MAX Main Street Associates
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Posted by RE/MAX Main Street Associates on 1/20/2019

When did you last find yourself wishing that you could be a part of a group, whether it be sports, religious, community, professional or some other kind? It could be daunting to try to find not only a group that follows what you are looking for concerning fulfillment but also in camaraderie and atmosphere. The first step is to get out there and find them and then try them out until you have found one that fits.

Sports leagues 

You're taking the kids to their respective activities and get started thinking about what it was like when you played as a kid. Then you realize that you haven't honestly played anything for years and all of a sudden have a strong desire to rectify that great wrong. Where do you start? Depending on what sport you are pursuing you could go to the local park and find a pick-up game—soccer, basketball, etc.—that might be just the thing to get you started. Or, you may decide that you really want something a little more structured that you can be a part of longer-term. Your answer may well lie in your local adult league. These leagues are wide-ranging in both the sports and the skill levels that they represent. Some ways to find these leagues are to do an internet search for “adult [sport] leagues [your area/city/state],” check with your local YMCA, find your city recreation center or maybe ask the players at the park what leagues that they know about. In that last case, you will also get a picture of what the league is like based on what they tell you or how good they may play. 

Community 

Community organizations are as varied as the community that it is in. Some examples of service type groups are Kiwanis, Lions, and Rotary International. Then there are traditionally fraternal organizations like the Masons or the Moose and Elk (who are now open to everybody). If you are a veteran, the American Legion and Veterans of Foreign Wars are a couple of the many options. As you can discern from this small list of examples the only thing limiting your involvement in a group is your imagination. Start by finding what is available in your area and the contact them to see what they can tell you to help you determine if it will be the right group for you.

The point is to go out there, make yourself available and have fun

Some of us have an easier time then others joining a group, but that should never stop you from becoming a part of something greater than yourself. Find someone who has extensive knowledge of your area like your local real estate agent and ask them for tips to get out there and join your local community. The first step may be your hardest, so stop thinking about it and get out there.




Categories: Uncategorized  


Posted by RE/MAX Main Street Associates on 1/20/2019

Anyone who’s ever been in an outdated house or hotel room can tell you that the way we decorate can have an effect on our mood. Certain colors, lack of lighting, and cluttered rooms are all things that, whether we realize it or not, can have a negative effect on our mood and productivity.

These concepts aren’t recent realizations. In ancient China and India, concepts of architecture and decorating have been teaching proper design techniques for thousands of years. Today, these schools of thought are often lumped into the field of environmental psychology.

In today’s post, I’m going to talk about a few design techniques that will help you and your houseguests feel more welcome in your home and create a tone that matches your desires, whether that’s relaxed or energized.

The effects of color

With a quick Google search, you’ll find hundreds of articles discussing the psychological effects of colors. What many fail to mention is the way these effects are based on things like the culture and time period we grow up in.

However, you may find that guests to your home will feel more comfortable in light, neutral- colored rooms than they will in a room that’s painted bold colors.

On a room-by-room basis, there tend to be certain colors that Americans associate with the “right” colors for the occasion.

However, this is often influenced by the architectural style of the house more than an internalized idea about specific colors.

How much is too much?

It’s easy to accumulate home decor and find your walls and surface becoming a little too cluttered. However, bare walls and sparsely decorated rooms can feel a bit too sterile and unlivable. Is there a balance between the two?

Oftentimes the best solution is to follow one simple decorating principle:

Rather than using several small items to decorate a room, choose just a few larger items. This will prevent the room from appearing cluttered but still give it a sense of character.

Taking advantage of the full area of a room

So far, we’ve been talking about how colors and decor can make a room feel more spacious and welcoming. But, even if you have a small room, you can still often achieve this effect.

One solution is to add brighter lighting to the room. Increasing the light makes to room feel more open. And, if possible, natural lighting is the best option, as it can reduce any feelings of claustrophobia.

If better lighting or windows aren’t an option, many homeowners turn to mirrors to make a room feel larger. Larger, wall-hanging mirrors are an excellent way to give the illusion of spaciousness in a small room.


Using the psychology behind these three decorating principles, you’ll be able to make you and your houseguests feel more at ease within your home.





Posted by RE/MAX Main Street Associates on 1/13/2019

There are so many factors that go into finding and securing the financing to buy a home.   While lenders require quite a bit of information for you to get a loan, you still need to be aware of your own financial picture. Even if you’re pre-approved for a certain amount of money to buy a home, you still need to dig into your finances a bit deeper than a lender would. The bottom line is that you can't rely solely on a lender to tell you how much you can afford for a monthly payment on a home. Even if you’re approved to borrow the maximum amount of money for your finances to buy a home, it doesn’t mean that you actually should use that amount. There are so many other real world things that you need to consider outside of the basic numbers that are plugged into a mortgage formula.   


Run Your Own Numbers


It’s important to sit down and do your own budget when you’re getting ready to buy a home. You have plenty of monthly expenses including student loan debt, car payments, utility bills, and more. Don’t forget that you need to eat too! Think about what your lifestyle is like. How much do you spend on food? Do you go out to the movies often or spend a regular amount of cash on clothing? Even if you plan to make adjustments to these habits when buying a home, you’ll want to think honestly about all of your needs and spending habits before signing on to buy a home. 


Now, you’ll know what your true monthly costs are. Be sure to include things like home insurance, property taxes, monthly utilities, and any other personal monthly expenses in this budget. If you plan to put down a lower amount on the home, you’ll also need to include additional insurance costs like private mortgage insurance (PMI).


The magic number that you should remember when it comes to housing costs is 30%. This is the percentage of your monthly income that you should plan to spend on housing. Realistically, this could make your budget tight so this is often thought of as a maximum percentage. By law, a lender can’t approve a mortgage that would take up more than 35% of your monthly income. Some lenders have even stricter requirements such as not allowing a borrower to have a mortgage that would be more than 28% of monthly income. This is where the debt-to-income ratio comes into play.


As you can see, it’s important to take an earnest look at your finances to avoid larger money issues when you buy a home.  





Categories: Uncategorized  


Posted by RE/MAX Main Street Associates on 1/13/2019

An open house enables a buyer to check out a residence in-person and determine if this home matches or exceeds his or her expectations. However, a buyer who fails to plan ahead for an open house may struggle to make the most of this opportunity.

Ultimately, there are several things you need to consider before you attend an open house, such as:

1. Your Home Must-Haves

Make a list of must-have home features – you will be glad you did. With this list in hand, you can check out a house in-person and determine if it has the features you require.

You also may want to put together a list of preferred cities and towns prior to launching a house search. This list will allow you to hone your home search – and your search for open house events – to a small group of cities and towns.

2. Your Homebuying Budget

As a homebuyer, it is crucial to optimize your time and resources as you search for your dream residence. If you enter the housing market with a budget at your disposal, you can avoid the risk of attending an open house for a residence you may be unable to afford.

To establish a homebuying budget, you should review your current finances. You may want to meet with banks and credit unions as well. And if you get pre-approved for a mortgage, you will know exactly how much you can spend on a residence when you start your house search.

3. Your Homebuying Timeline

There is no guarantee that attending one open house will help you find your dream residence. But if you maintain flexibility, you can attend a variety of open house events and boost the likelihood of discovering a residence that falls in line with your expectations.

Furthermore, you should be ready to act quickly if you attend an open house and want to buy a residence following the event. In this scenario, you should be prepared to work diligently to put together a competitive offer to purchase the home.

As you get set to attend an open house, you may want to employ a real estate agent, too. A real estate agent can keep you up to date about open house events in cities and towns where you want to reside. Plus, a real estate agent can attend an open house with you and provide plenty of homebuying tips and insights.

Let's not forget about the support a real estate agent provides once you find a house you want to purchase, either. At this point, a real estate agent will help you put together a competitive homebuying proposal. And if your offer to purchase is accepted, a real estate agent will help you finalize your house purchase.

Consider the aforementioned factors closely before you attend an open house. By doing so, you can prepare for an open house and use the opportunity to determine if a residence is right for you.




Categories: Uncategorized  


Posted by RE/MAX Main Street Associates on 1/6/2019

If you recently bought or sold a house, it may be only a matter of weeks before moving day arrives. As such, you may want to start planning ahead and contact a moving company to help you prepare for the big day.

Ultimately, not all moving companies are created equal. And if you make a poor selection, you risk encountering problems with your moving company as you try to take your belongings from one address to another.

Differentiating one moving company from another can be simple. In fact, there are several questions that you should consider before you hire a moving company, and these are:

1. What do I need from a moving company?

Moving from a big house to a small one is very different than relocating from an apartment to a home. Thus, you should consider your moving day needs and tailor your search for a moving company accordingly.

Don't forget to evaluate your moving day budget too. If you consider how much money is at your disposal, you can map out a search for a mover and discover a moving company that falls within your price range.

2. What services does a moving company offer?

Many moving companies will help you pack up your belongings, move them to your new address and help you unpack. Comparatively, some moving companies only offer limited support on moving day.

Think about which moving day services you'll need before you choose a moving company – you'll be glad you did. If you know what you want out of a moving company, you can narrow your search and quickly find a mover that will match or exceed your expectations.

3. What are past clients saying about a moving company?

Oftentimes, it helps to look at client reviews for moving companies. These insights can help you understand what it is like to work with a particular moving company before you make your final decision.

If customers frequently rave about a moving company, this is a positive sign. In this instance, you may want to move quickly to hire a moving company for your upcoming relocation.

On the other hand, a moving company that receives many negative reviews should raise red flags. If most customers are not satisfied with the support they receive from a particular moving company, you may want to consider other movers.

Finding the right moving company may seem difficult, particularly for individuals who have only a limited amount of time to relocate. But if you collaborate with a real estate agent, you may be able to discover the ideal moving company in no time at all.

In addition to helping you buy or sell a home, a real estate agent will make it easy for you to enjoy a seamless move. A real estate agent likely can put you in touch with the top moving companies in your area. As a result, a real estate agent can help you find a great moving company, regardless of when you need to relocate.