The Quick and Easy Guide to Starting a Community Garden in Hendersonville

Community Living: The Quick and Easy Guide to Starting a Community Garden

With so many people living in the urban landscape these days, it can be hard to find anything more than a planter on the balcony for your herbs and your flowering plants. Fortunately for you, coming up with a community garden can be a great way to get the locals together and find a plot of land to plow away at. If you’re wondering how to get started with this fun project, begin with the following guide.

Find The Right People

Organizing your own community garden can seem overwhelming at first, so it’s important to have a group of likeminded people around you that are interested in the idea and have the same passion that you do. Whether you decide to use a site like Meetup to get a group together or you have a variety of friends and neighbors who are already excited about it, ensure your group has gardening and planning skills to bring to the table.

Research The Community

There’s a good chance that you’ll want to choose a gardening site that’s not too far from your home, so talk to local horticultural organizations and your city or community center for information on available areas of land. Once you know the details, it will be easier to determine what exactly you want to do to fund your garden, whether you want to pay into it on your own or you want to create a sponsored society so the costs are covered. There may even be loan programs in your center that are available for your project, so ensure you ask around.

Start The Planting Process

Once you’ve determined who your crew will be and where you’ll be creating your garden, it will be much easier to move forward and determine what exactly your garden will be. Do you want it to be a collective where you can all share together? Or do you want separate plots so all your members can do whatever they like? Whatever you decide, getting out the shovel can be the ideal time to throw a garden party and get everyone in on the fun.

Growing vegetables and planting your own garden has become a more popular pastime in recent years, and it can be easier than you think to get your very own community garden started. If you’re planning a garden and are looking to buy in a new community, you may want to contact Ed Frisbee (your real estate professional) at 828.747.8113

How to Plan Your Budget Around Your Monthly Mortgage Payments

Budgeting 101: How to Plan Your Budget Around Your Monthly Mortgage Payments

If you’ve decided to invest in a home, you might be wondering how to make all the expenses work from the groceries to your mode of transportation to all those little things that quickly add up. Fortunately, it’s easy enough to ensure you have the money each month by calculating your expenses and ensuring there’s a little wiggle room in the leaner times. Here are the details on how to begin with your mortgage budgeting plan.

Calculate Your Monthly Payment

Whether you’ve just purchased a home or are trying to determine if your dream home is right for you, it’s very important to establish approximately what your monthly payment will be. It’s important to have a mortgage cost that is sustainable, so add up your payment, home insurance, property taxes and your interest rate. While this should give you an estimate, you’ll want to ensure you add extra room if you are taking advantage of an adjustable rate mortgage.

Determine Your Necessary Expenses

It’s easy to be idealistic and assume that you’ll be able to come up with the money for your ideal home, but it’s very important to keep your feet on the ground and be realistic about your budget. Once you’ve determined your payment, calculate the average amount for your utilities, transportation costs and any debt you have. You’ll also want to add in groceries, toiletries, and extras like gym passes, meals or entertainment. By adding up your monthly payment and your expenses, you should be able to determine if a house is realistic for you.

Leave A Little Extra

If your expenses and your home costs add up to balance out, that’s great, but it’s also important to leave some wiggle room in your budget for the other things you’ll need. While you’ll want to ensure you’re saving money for the future, if you have any short-term life goals like a travel destination or going back to school, you’ll need to leave a bit for the month-to-month. The unexpected can occur at any time so you’ll want to have some leverage for the times when the car breaks down or there’s a medical issue.

When investing in a home, it’s very important to know that you can make the monthly mortgage payment and still have enough left over to pay your expenses and save for down the road. If you’re currently preparing to buy, you may want to contact one of our mortgage professionals for more information.

Do I Need to Get Rid of Something before I sell my Home?


4 Dated Design Features to Get Rid of Before Listing Your Home for Sale in Hendersonville

Most homeowners in and around Hendersonville get used to a certain aesthetic in their own home that they’re comfortable with, but if you’re putting your home on the market in Hendersonville or a surrounding community it may be time to get rid of some of the old familiarities. While it won’t be worth your time or money to renovate everything, here are a few design-style duds that you may want to update before you decide to sell.

Oversized Bathtubs or Jacuzzis

It may be very appealing for most people to find an oversized tub in their hotel room, but when it comes to the home you live in, big tubs have made their exit. While a tub can certainly allow a person to stretch out in comfort, gone are the days of big homes and large bathrooms. Instead of a sizable tub, you’ll want a bathroom space that you can maximize.

Tiled Counter Tops

The concept of kitchen tiles may look great in a magazine, but when it comes to the real deal tile can be a huge drawback. Despite your best efforts, it’s quite likely the grout will need to be replaced and will provide an unclean appearance over time. Instead of leaving the tile behind, you may want to stick with a solid surface like marble so there will be no issues with cleanliness or damage.

Too Bright Colors

An accent wall or brightly hued design feature may have made a comeback in recent years, but the popularity of colorful pieces has died away in recent years. Instead of the kind of feature that will turn off potential homebuyers, opt for neutral tones so that homebuyers can imagine themselves in your place without the necessity for renovations.

Bulky Furniture Pieces

Much like the oversized tub in the bathroom, the boxy piece of furniture in your living room may be comfortable, but it’s not the best when it comes to selling your home. Instead of having a huge piece of furniture command the attention of your entire room, choose smaller pieces that will offer comfort but still provide a positive impression to potential buyers.

Design trends can change a lot over the years, but by being aware of how styles are evolving you can be on the cutting edge of selling your home in style. If you’re currently making some small renovations and are preparing to sell your home, you may want to contact me, your local real estate professional for more information.

Buyer Beware: Three Major Red Flags to Watch for When Visiting Open Houses

Buyer Beware: Three Major Red Flags to Watch for When Visiting Open Houses

Open houses around Hendersonville are a good opportunity to get out to see what kind of home you’re looking for and if it will work for you. Fortunately, they can also be a good opportunity to find out some things about the house you’re looking at that might not be listed on the website and may be less than flattering. If you’re wondering what red flags to watch out for, pay attention to the following things the next time you’re at a showing.

Strong Odors

Many home sellers try to engage the senses to entice buyers, whether it’s by baking cookies or spraying air freshener. However, a lot of air freshener or scent can also be a means of hiding less than pleasant smells that are a giveaway for big problems. If you notice a lot of scent when visiting an open house or if there’s an odor, you may want to look for mildew or mold as this can mean a huge house-owning hurdle to deal with down the road.

An Abundance Of Fix-Up

A small maintenance issue here and there may not be important, whether it’s a doorknob that doesn’t catch or peeling paint on the wall. Unfortunately, an abundance of small issues can signal a certain attitude towards general maintenance that should be approached with caution. While it may just be a few details that were forgotten about, it’s important to pay attention as there may be a lot of more important maintenance issues that are not being taken care of if the minor ones are visible.

Issues With the Foundation

There are many issues that will hopefully come to the forefront at the home inspection, but it’s not worth it to get invested in a home only to back out due to a failing foundation. Instead of leaving it up to the due diligence of the home inspector, check for large gaps in the home’s foundation to unveil any issues on this front. The foundation can be a huge issue if it requires a fix-up, and it’s one you probably won’t want to deal with in your new home.

Open houses in and around Hendersonville can provide a great sense of what it’s like to live in a home, but they can also be a good opportunity to take note of any major issues with a future home. If you’re currently preparing to buy a home, you may want to contact a real estate professional like myself for more information.

Should I purchase now or save more?

from Realtor.org

While nearly 40 percent of aspiring homeowners believe they need to put down 20 percent on a home purchase, the truth is the average down payment was just 11 percent in 2016, according to the National Association of REALTORS®. To help your clients understand the strength of their current financial profile when it comes to buying a home, mortgage industry blog MGIC Connects has created a Buy Now vs. Wait calculator that can show them whether they’re better off waiting and continuing to save for a bigger down payment or buying now with less money upfront.

The calculator factors in information such as the current rent your clients are paying, amount of their monthly savings, and creditworthiness. Users can submit other information such as desired home price, current amount of savings for a down payment, and an estimated interest rate. MGIC Connects offers the following example of how its calculator works:

A consumer has saved $10,000 of the $40,000 needed for a 20 percent down payment. She can add about $6,000 a year in savings to that. She wants to purchase a $200,000 home. The calculator allows her to see the cost of the home purchase if she did a 3 percent or 5 percent down payment. The calculator also shows that if homes prices appreciate, say, at 3 percent annually, the amount she’d need for a 20 percent down payment would be $48,552, and she would need more than 6 years of savings before she could buy.

During that time, she will have paid more than $80,000 in rent, while her home equity position would be more than $72,000 had she bought six years ago. None of this is meant to encourage prospective borrowers to buy a home before they are ready. It is in everyone’s best interest for borrowers to succeed, so borrowers need to be comfortable not only with the mortgage payment but also the other responsibilities that come with homeownership.

Source: “Waiting to Save for a 20% Down Payment Can Cost Homebuyers Money,” MGIC Connects (April 5, 2017)

 

Hendersonville Spring Cleaning Keywords

Ah, springtime! As the daylight hours grow longer and buds and blossoms dot Hendersonville’s trees and gardens, even when a rainy day is in the forecast, the feeling of new life in the air can’t be denied!

Also undeniable is the all-too-apparent fact that Hendersonville’s bright April sunlight is now illuminating months’ worth of dirt on the windows. And now we can see more areas of the carpet that show the winter’s accumulation of … what is that?

For residents from one end of North Carolina to the other, the balmy weather definitely triggers a popular urge to put households in shape. But since there is a simultaneous contradictory urge to get outdoors to enjoy Hendersonville’s good weather, it seems like an apt moment to try to retrieve some of the many time-saving tips that are out there on the web.

In other words, it’s time for Google. To aid in in Hendersonville’s Googling efforts, here are some valuable spring cleaning search keywords. Enter any of these in combination with “spring cleaning” and Google will bombard you with scads of valuable insights and shortcuts:

“White Vinegar.” It’s a universal disinfectant that’s carried in gallon jugs on Hendersonville grocery store shelves. Many of Hendersonville’s professional housekeepers know how effective and environmentally friendly diluted vinegar is—and how rapidly the residual odor disperses.

“Sponges.” Cut down on paper towel consumption by collecting a variety of quality sponges and having them at the ready. If you wet and microwave them regularly, bacteria won’t accumulate (and they’ll smell fresh, too). Side benefit: when you nuke wet sponges, stuff on the inside of the microwave will come off easily!

“Dusting mitt.” They’re useful for more than just Venetian blinds. You can also substitute with athletic socks (then just throw them in the washer).

“Baseboards.” Vacuuming the floors doesn’t eliminate the edge problem—that’s where the most stubborn winter debris tends to shelter in place. If you use whatever attachment (soft brush or nozzle) that lets you vacuum the baseboard contour before starting on the floor, the problem disappears.

“Baking soda.” The cure for smelly carpet areas: sprinkle, let stand overnight, vacuum.

“Cola.” Clean toilets by pouring, waiting an hour, flushing. But when you google “cola” with “spring cleaning,” you’ll also find warnings about the deposits cola leaves behind. Solve that by following up with an undiluted cup of—you guessed it—vinegar.

“Lemon.” Google this one along with “spring cleaning” and you’ll be able to choose which of the 2½ million hints to put into action!

For some Hendersonville homeowners, this spring will find them putting their homes up for sale. If that’s the case, give me a call for a professional Realtor’s® take on which spring cleaning efforts are likely to reap the greatest rewards!