Andover August 13, 2023

15 Best Things to Do in Andover, MA

15 Best Things to Do in Andover, MA

Andover, Massachusetts, is an idyllic New England town with a rich history and plenty of activities to enjoy.

Located on the outskirts of Boston, this quaint village is home to the highest point in Essex County.

This vantage point gives Andover superb views of the Boston skyline 20 miles away.

But that’s not the only thing going for this village; settled in 1642, Andover has a long and rich history which tourists can discover in its museums and heritage centers.

Whether you’re looking for a weekend getaway or a day trip, here are the best things to do in Andover, Massachusetts:

  1. Wander through Downtown Andover
  2. Enjoy Local Craft Beer at Oak & Iron Brewing Co.
  3. Take the Kids to Penguin Park
  4. Appreciate American Art at Addison Gallery of American Art
  5. Cool Off at Pomps Pond
  6. Learn about Local History at Andover Center for History and Culture
  7. Go Skating at Phillips Academy Ice Rinks
  8. Explore the Natural Wonders of Harold Parker State Forest
  9. Go Birdwatching at Moncrieff Cochran Bird Sanctuary
  10. Check Out Produce at the Andover Farmers Market
  11. Tee Off at Andover Country Club
  12. Enjoy Nature Views at Charles W. Ward Reservation
  13. Enjoy the Natural Scenery at Deer Jump Reservation
  14. Visit the Stevens-Coolidge House & Gardens
  15. Go for a Leisurely Stroll at Den Rock Park
    Visit for more details  https://www.travellens.co/best-things-to-do-in-andover-ma/

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Woking From Home August 12, 2023

Six Tips for Productivity When Working from Home

Useful tips to help create effective habits and achieve greater productivity while working from home.

Tips for efficiently working from home

Adapting to a new work environment is always difficult, even when it’s moving into the comfort of your own home. Working from home can present new obstacles for those we are learning to manage work and life, in their household. Different variables like implementing new rules, practicing good habits and maintaining a healthy balance, are very important.

With the help of two experienced real estate agents with Coldwell Banker®, we have identified some useful tips to help create effective habits and achieve greater productivity:

Create a Workspace (And Keep it Tidy)

First, create a designated workspace that you can call your office and in which you keep your work. This helps to make the distinction between where you work and where you live.

Make sure to keep your workspace organized and keep your essentials at hand – notes, office supplies, water and brain-food snacks. This helps you focus and avoid getting up to find things, constantly, which can lead to more distractions.

“I knew that I would be working from home much more than normal in the coming weeks and decided I needed to make a change, and fast. We had a desk in the basement, and we had a store credit on Wayfair.com that we decided to use to purchase a new desk chair. With these items and some rearranging of furniture, I was able to create the perfect home office for me in our den.” – Rachel Crowl, Coldwell Banker Preferred PA     

 

Stick to Your Regularly Scheduled Programming

Try to keep your normal routine and schedule in place. Use the time you would normally take to commute to do something for yourself – make a good and healthy breakfast, take a shower to ready you for the day, or walk the dog a little longer. Some professionals may already be accustomed to flexible schedules. But, if you must spend more time at home than normal, find ways to supplement what you would be doing – like expanding your social media marketing skills or attending a web-based seminar. 

Dress for Success

While you may not want to dress in a full suit or in business wear, getting out of your pajamas helps you get into a productive and more energetic mentality. For example, dressing in your workout clothes can help you feel more active. Dress professionally for your video calls – it reminds your clients and colleagues that you’re always a professional on your A-game.

“How you dress affects your mindset, so I am dressed in business casual attire. I recognize that a client may need to FaceTime or video-chat, so I’m prepared. I also make my workspace comfortable and bright, and I setup dual monitors.” – Bobby Yazdani, Coldwell Banker Realty in Texas 

Stay Connected

Keep in touch with your clients and colleagues by recognizing the adopting the best platforms to reach them. From Microsoft Teams or Skype to social media, there are numerous platforms that facilitate communicating, sharing files, creating appointments and virtual meetings. The key is to identify your goals and the best format to connect with the desired audience.

Tip: Microsoft Teams is the hub for team collaboration in Office 365 that integrates the people, content, and tools your team needs to be more engaged and effective. If you haven’t already, download it here.

     Coordinate Do Not Disturb Times

For those who aren’t working from home alone, it is useful to coordinate do not disturb hours with those living in your household. That could mean creating a schedule around your workload or organizing your workload around their schedule. Find what works best for you. Also, create the Zen space that helps you to concentratete, this doesn’t always mean working in silence, especially when external noises may be inevitable. Consider noise cancelling headphones, calming sound effect apps or maybe instrumental music online. For example, Spotify offers Focus Music Stations with a variety of sounds.

“Both of our workspaces have doors that shut, which is key when we need privacy for calls or to focus. We have also tried to implement a policy during normal working hours to save all personal discussions and business until after work hours, unless it’s a true emergency. It’s too easy to just walk into the other person’s space and spontaneously talk about things that are going on in your own mind, that might cause the other to lose their train of thought or work mindset.” – Rachel Crowl, Coldwell Banker Preferred PA

 

 

Remember to Get Fresh Air

Productivity doesn’t occur from non-stop, limitless hours of work. Sitting at a desk for extended periods of time can be detrimental to your health. Working past your normal office hours can be easy when you’re at home, but it can also lead to exhaustion and loss of sleep. A healthy balance is vital to ensuring productivity and efficiency! Use your break time to step out and get fresh air or even your normal commute time home, for a quick walk.

“I make adjustments by designating hour bands that are strictly for work. I address all immediate emails, questions or concerns relating to current transactions first and then work on different aspects of the business each day of the week. I think it’s important to re-energize, so I incorporate 15-30-minute breaks throughout the day. By midday, I typically take the time to step away and address any chores or personal errands so that by the time I come back, my mind is fresh and refocused.” – Bobby Yazdani, Coldwell Banker Realty in Texas

Article written by Gabi Ruiz, https://blog.coldwellbanker.com/six-tips-for-productivity-when-working-from-home/

 

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Buying a Home August 9, 2023

Middle-Income Buyers Face the Most Severe Housing Shortage

Middle-income home buyers in the United States are finding little on the market to buy, even if they can qualify and afford a mortgage. These would-be buyers face the most severe housing shortage of any other income bracket, according to a new analysis from the National Association of Realtors and Realtor.com that found the market is short more than 300,000 affordable homes for these buyers.

The report defined a middle-income home buyer as someone in a household earning up to $75,000 a year, the median household income in the United States. Given that income, these buyers can purchase homes valued up to $256,000 without being overburdened with housing costs.

And there are a lot fewer homes in this category than a few years ago.

Middle-income buyers can afford to buy less than a quarter — only 23% — of listings that are currently on the market. Five years ago, this income group could afford to buy half of all available homes, according to the report.

“Middle-income buyers face the largest shortage of homes among all income groups, making it even harder for them to build wealth through homeownership,” said Nadia Evangelou, NAR senior economist and director of real estate research.

At the end of April 2023, approximately 1.1 million homes were available for sale, an increase of 5 percentage points from one year ago — but only a fraction of those are available to middle-income buyers. Nearly 51% of households earn $75,000 or less. In a balanced market, these households would be able to afford to buy 51% of the homes available for sale.

But that’s not the case.

“Even with the current level of listings, the housing affordability and shortage issues wouldn’t be so severe if there were enough homes for all price ranges,” Evangelou said.

The report found the United States needs to add at least two affordable homes for middle-income buyers (priced up to $265,000) for every home listed for upper-income buyers (priced above $680,000).

And while the housing shortage hits all incomes, at higher levels, the gap is much narrower. For instance, buyers earning $250,000 a year can currently afford to buy 85% of the listings, close to but shy of the 93% required for a balanced market.

“A two-fold approach is needed to help with both low affordability and limited housing supply,” Evangelou said. “It’s not just about increasing supply. We must boost the number of homes at the price range that most people can afford to buy.”

Places with more affordable homes

Among the 100 largest metro areas in the United States, three Ohio metro areas — Youngstown, Akron and Toledo — have the most homes that are affordable for middle income home buyers.

In a balanced market, buyers earning $75,000 can afford to purchase 66% of the listings in the Youngstown metro area. However, these buyers can currently afford to buy 72% of the listings. This means there are about 70 additional listings with a price lower than $250,000 than what a balanced market needs.

At the other end of the spectrum, the cities with the fewest affordable homes for this cohort are El Paso, Texas; Boise, Idaho; and Spokane, Washington.

In Boise, buyers earning $75,000 can afford to buy just 2% of home listings. However, these buyers would be able to afford to buy more than 50% of the listings in a balanced market. Currently there are about 2,120 fewer listings that these buyers can afford to buy in Boise.

“Ongoing high housing costs and the scarcity of available homes continues to present budget challenges for many prospective buyers, and it’s likely keeping some buyers in the rental market or on the sidelines and delaying their purchase until conditions improve,” said Danielle Hale, Realtor.com’s chief economist.

“Those who are able to overcome affordability constraints may be increasingly drawn to newly constructed homes or to the suburbs and beyond, both of which may offer buyers more realistic opportunities for homeownership in the near term,” she said.

https://www.nar.realtor/newsroom/in-the-news/middle-income-buyers-face-the-most-severe-housing-shortage

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Buying a HomeHome Insurance August 9, 2023

Triple-I, National Association of Realtors® Release Homebuyers Handbook

NEW YORK, Aug. 8, 2023—To educate prospective homebuyers about their property insurance needs, the Insurance Information Institute (Triple-I) and the National Association of REALTORS® (NAR) today released a Homebuyers Insurance Handbook.

“Now more than ever, given increased climate risk as well as economic and inflationary challenges, homebuyers need tools to help them make informed decisions to better manage what is often their largest individual investment,” said Sean Kevelighan, CEO, Triple-I.  “Having the right type and amount of insurance provides critical safe keeping to homes, and so by Triple-I teaming up with the National Association of REALTORS®, we will empower even more consumers with key insights during a most important transaction.”

Purchasing a home can be an exciting event that can also come with new responsibilities and questions, especially for first-time buyers. The Handbook‘s readers will discover information on making sense of these concerns in line with their financial goals.

“The Homebuyers Insurance Handbook clearly explains how purchasing a homeowners insurance policy with the right type and amount of coverage protects a homeowner’s investment and financial future,” stated Kenny Parcell, president, NAR. “This eight-page Handbook includes the essential information a prospective homebuyer needs to prepare for a conversation with their insurance professional.”

For instance, the amount of coverage for the home itself should be based on what it would cost to rebuild the structure in the event of a total loss, in its current location, with comparable construction materials–at prices that may be affected by disaster-related demand surges or inflation. Protection to rebuild a home’s structure is typically listed as dwelling coverage. Once the home’s dwelling coverage limit has been established, personal property coverage usually equals 50% to 70% of that number. Also, to be covered for property damage caused by either floods or earthquakes, a homebuyer must purchase separate policies because both perils are excluded in a standard homeowners insurance policy, the Handbook notes.

The Handbook says these are the six ways to get the right amount of homeowners insurance:

  • Raise your deductible in exchange for a lower premium
  • Ask about discounts and bundle options
  • Make your home more disaster-resilient
  • Don’t confuse the total amount you pay for your house with its rebuilding costs
  • Review your insurance coverage annually after you’ve purchased the home
  • Keep in mind an insurer’s value also includes the services it provides to policyholders

https://www.nar.realtor/newsroom/triple-i-national-association-of-realtors-release-homebuyers-handbook

Triple-I New York Press Office: Michael Barry,

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Buying a Home August 7, 2023

Unveiling the FHA Mortgage Limits: Know Your Borrowing Power!

Are you considering purchasing a new home using an FHA loan? Understanding FHA mortgage limits is crucial to navigating the borrowing process successfully. Let’s delve into what FHA mortgage limits are and how they impact your buying power.

What are FHA Mortgage Limits? FHA mortgage limits, also known as FHA loan limits, are the maximum loan amounts that the Federal Housing Administration (FHA) allows for homebuyers in specific areas. These limits vary based on the county and are recalculated annually to align with changes in housing market conditions. You can check yours from the link  https://entp.hud.gov/idapp/html/hicostlook.cfm  Example Essex County, MA

The Importance of Knowing FHA Mortgage Limits Knowing FHA mortgage limits is essential for prospective homebuyers as it directly influences the size of the loan they can obtain. Exceeding the FHA loan limits may require borrowers to explore alternative loan options or provide a larger down payment, potentially impacting their homebuying plans.

Benefits of FHA Loans FHA loans have long been favored by first-time homebuyers due to their low down payment requirements and more lenient credit qualifications. Understanding the loan limits empowers buyers to make informed decisions and take full advantage of the benefits offered by FHA financing.

Factors Affecting FHA Mortgage Limits Several factors influence FHA mortgage limits, such as property location, property type (single-family, multi-family, etc.), and the number of units in the property. Being aware of these factors helps buyers gauge their eligibility for FHA loans and strategize their home search accordingly.

Navigating FHA Mortgage Limits: Tips for Homebuyers

  1. Research Local Limits: Stay updated with the FHA loan limits specific to your area. The Department of Housing and Urban Development (HUD) provides an easy-to-use tool to check the current limits.
  2. Work with an FHA-Approved Lender: Partnering with an FHA-approved lender ensures you receive accurate information and personalized guidance tailored to your financial situation.
  3. Consult a Real Estate Agent: A knowledgeable real estate agent can help you explore properties within FHA loan limits and negotiate the best terms for your purchase. Contact me.
  4. Pre-Approval Process: Get pre-approved for an FHA loan to determine your borrowing power and streamline the buying process.

In Conclusion Understanding FHA mortgage limits is key to making informed decisions when pursuing an FHA loan. By staying informed and partnering with experienced professionals, you can unlock the full potential of FHA financing and turn your homeownership dreams into reality. Remember, knowledge is your most powerful tool in the world of real estate. Happy house hunting! 🏠🔑🌟

 

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Home Decor August 6, 2023

The Wonderful World of Green – Tips for Hydrating Plants

You may not know it, but there are proper methods to watering your plants that involve more than just pouring water on top. Plant size, soil type, weather, sun exposure and time of year all factor into how much water is needed. Timing and frequency are also important, according to the U.S. Environmental Protection Agency. So how do you effectively manage your dampening strategy? Consider:

  • Watering in the Morning – Water can penetrate the soil where the plant’s roots can reach, absorbing and drying in the cooler hours of the day. Watering during other times of the day could cause you to boil the roots, sunburn the leaves or grow mold spores and rot.
  • Increasing Drainage – Excessive moisture around the root zone can lead to stagnant water and root rot, according to Deep Green Permaculture. To prevent this add a coarser material to the bottom of the pot to vary the potting medium and water retention.
  • Soaking Deeply – Dampen the soil at least eight inches below the surface so the roots are encouraged to grow deeper and are not sitting too close to the surface.
  • Optimizing Your Soil – Clearing out rocks and debris, loosening the soil and adding organic matter can affect how your plants absorb water. Adjust your planting strategy based on the soil type and how you apply compost.

Since there are so many different aspects of an effective watering system, there are also many opportunities for blunders. Here are a few common missteps to avoid:

 Watering Too Frequently – Adding too much could kill your plants because it drowns them and cuts off the oxygen. Each plant is different, but you could look out for yellow, wilted or dropped leaves, brown spots, mushy stems and molding soil to understand if your plant is being overwatered.

  • Using a Sprinkler – Plants absorb most of their water through the soil, and sprinklers tend to moisten the top foliage.
  • Relying on Rain – There isn’t always enough rainfall for plants to thrive, so don’t count on it to keep them alive. You should test your soil for the amounts of water and adjust your watering methods as your plants need it.

There are also regional variations and differing needs of specific plants, so check with your local gardening center for more information. Paying attention to your plant’s moisture and developing a watering strategy will have your garden flourishing in a wonderful world of green in no time.

JENNIFER MCGUIRE https://blog.coldwellbanker.com/the-wonderful-world-of-green-tips-for-hydrating-plants/

 

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Buying a Home August 6, 2023

Contemplating a 55+ Community?

Making the decision to move to a 55+ adult living community can be a big one with a lot of factors to consider. Are you looking for an active lifestyle with loads of amenities and opportunities for social connection or a quiet place to relax without a lot of distractions? While there are many benefits, it’s important to ask the right questions so you can determine if the neighborhood fits your vision of the future.

The Atmosphere

If you enjoy using the pool, gym or sports facilities in a more adults-only environment – with perhaps only a few sporadic encounters with grandchildren – then a more peaceful 55+ community may be the right fit. But if you are very active and social, a community with walking clubs, bocce ball tournaments, pickle ball courts and happy hours by the pool will provide more opportunities to meet your neighbors and establish a group of friends.

Maintenance-Free Landscaping

Lawn and yard upkeep can become a pesky, cumbersome task, especially as you age. If you enjoy not having to worry about sprucing up the outdoors and making decisions on shrubbery and plants, then a 55+ development with full landscaping services will be appealing. However, if gardening and landscaping is your thing and you love a good outdoor DIY project, a 55+ community may be too restrictive. Read the fine print to understand exactly what your responsibilities are, and what can and cannot be done in your yard.

The Active Lifestyle

With neighbors so close in the community, you may enjoy the friendly, interactive side – especially if you are a social butterfly and enjoy partaking in events, classes, clubs or holiday-themed activities. You may want to examine any clubhouse costs or dues and determine if it is worth it so you are able to take full advantage of these mingling opportunities.

Considering these circumstances with your needs and desires can help you understand if a 55+ community is the right move for you and get you on the right path to discovering the best development.

JENNIFER MCGUIRE https://blog.coldwellbanker.com/contemplating-a-55-community/

 

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Home Decor August 1, 2023

5 Tips for Adding Fall Accents to Your Home

As the days grow shorter, it’s time to bring fall’s warm and inviting hues into your home. Embrace the season’s vibrant colors to create a cozy atmosphere that celebrates autumn’s magic and reflects your tastes. But don’t be scared – adding an autumn look doesn’t mean completely overhauling your home’s interior design! Here are five simple and creative ways to incorporate fall decorations this year.

Cozy Throws and Textiles

Stylishly transition your home from summer to fall by updating your living room and bedroom with new throw pillows, blankets and bedding. For a lush pop of fall color, choose heavier fabrics in rich, deep colors like burgundy, mustard, chocolate and rust. Mix patterns with solids and velvets with flannel and fake furs for a chic, boho look.

 Candles and Diffusers

Don’t just change what you see around your home, but also what you smell. Light cinnamon- and vanilla-scented candles and tea lights on a rainy evening for some seasonal aromatherapy. For flame-free options, look to essential oils, incense and reed diffusers to add a festive pumpkin chai or autumn plum scent to the air.

Warm Lighting

Is it time to swap out some of your lighting? Create additional coziness with soft, warm-toned lighting for an effortless autumn glow. Warm white twinkle lights, fairy lights or a string of Edison bulbs can also add a fun and festive touch, inside or out.

Fall Artwork and Accessories

Display decorative items like ceramic vases, pottery and glassware in Earth tones of deep greens, oranges, and browns. To incorporate a bit of fall and stay up on the newest trends, add some stylish and quirky mushroom décor to your space. These accessories can quickly transform the ambiance of any room and create a fall-inspired aesthetic.

Rich and Colorful Table Linens

Autumn is also the season to bring colorful plaids, checkered prints and velvet-trimmed accessories to your dining room. Indulge in layered linens, different textures and an eye-catching mix of dark and light colors. Try blending a deep forest green tablecloth with a taupe velvet runner and moss-colored linen napkins. Play with colors and fabrics will bring depth and interest to your table this fall.

These easy fall decorating tips and accent ideas will create a warm and inviting atmosphere to welcome friends and family this season!

https://blog.coldwellbanker.com/5-tips-for-adding-fall-accents-to-your-home/ – JENNIFER MCGUIRE

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Selling a Home August 1, 2023

First Impressions Matter – Get Your Home Market Ready

If you are considering selling your home, there are several things you can do now to make the best first impression on potential buyers. Taking the time to declutter, deep clean and make simple repairs will show buyers that your house and property are well-maintained and ready for a new owner.

Increase Curb Appeal

A clean and attractive exterior is crucial, as it creates a positive first impression and sets the tone for the rest of your home. Spruce up your outdoor space by removing overhanging tree limbs and branches, applying a fresh coat of exterior paint, mowing the lawn, adding plants or flowerpots, power washing, painting patio and deck areas and repairing or replacing damaged screens and doors.

Take Care of the Obvious

While grooming your outside space, you’ll need to address any glaring concerns. Check and fix loose or damaged roof shingles, bricks, wood and trim. Clean out septic systems to ensure your property is in top working condition. With these projects completed, you’ll also reduce maintenance stress while your home is listed.

Make the Interior Shine

Create an inviting and welcoming atmosphere by cleaning, decluttering and organizing your home, which shows buyers that there’s plenty of space. Freshen up your indoor areas by painting walls, removing outdated rugs or furniture, polishing kitchen appliances and deep cleaning hardwood floors, sinks, tiles and showers.

Remove the Clutter

You’ll also want to check that any clutter is cleared by organizing closets with shelves and storage bins, storing everyday items like paper and toys in cabinets and closets, and removing personal items like picture frames and your kid’s tee-ball trophies. While you’re thoughtfully arranging, you could take advantage of this opportunity to get rid of any paperwork that is no longer needed while gathering documents potential buyers may need to review in in a handy folder. These papers could include HOA information, appliance manuals, warranty information, records of repairs (especially if it involved electrical, plumbing or contractor issues) and the survey of your property.

By increasing the outdoor appeal, creating a warm, appealing indoor space and gathering all the information upfront before listing your home for sale, you’ll be well on your way to smooth, stress-free transaction – and seal the deal with a great first impression.

https://blog.coldwellbanker.com/first-impressions-matter-get-your-home-market-ready/ – JENNIFER MCGUIRE

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Buying a HomeSelling a Home August 1, 2023

You Could be in a New Home for the Holidays

Have you been dreaming of selling your home, buying a new one and moving in before the holidays? This scenario is actually fairly common and totally doable. A knowledgeable agent can guide you through the process, negotiate the best terms and get you into a new home – all in time to celebrate with family and friends. Here’s how you can get started.

Understand the Market

Although spring and summer are considered peak buying and selling season, you can still snag a great deal during fall and winter months – if you have a good handle on your local market. Your agent is an invaluable resource for information on current inventory, comparable properties, average home prices and median days on the market. Once you know where you stand, you can weigh the options and make smart decisions.

Prepare Your Home for Listing

Now is the time to do a careful review of your property and determine if any repairs or upgrades are needed. Your agent can provide a list of trusted vendors, tradespeople, and contractors to take care of larger tasks while staging your house for broad buyer appeal, arranging professional photography, and marketing your home for maximum exposure.

Get Ready to Move

To further prepare your home for the market, you want to start decluttering and depersonalizing by boxing up items for donation or storage. You can make this process manageable by targeting one room at a time. Before you know it, you’ll be one step closer to the big move.

Evaluate Your Finances

Taking a realistic look at your financial situation is crucial to determining the size and location of the home you want to purchase and if you need to sell your current home before buying. Your agent can connect you with a reputable lender who will walk you through the available loan options. Having a good understanding of your finances will also ease any stress you may be feeling.

Find Your New Home

To help narrow down the search, create a wish list, prioritize your “must-haves” and check out homes for sale on coldwellbanker.com or in person with your agent. While viewing properties, imagine living there. Is the dining space large enough for Thanksgiving dinner? Do you have somewhere to hang your stockings? How will your holiday lights look to neighbors passing by? If you feel that emotional connection, you know you’ve found the one.

So, is it possible to buy and sell before the holidays? The answer is yes. By working closely with a skilled real estate professional, you can set a timeline, plan out your strategy, and ring in the new year in your new home.

https://blog.coldwellbanker.com/you-could-be-in-a-new-home-for-the-holidays/  – JENNIFER MCGUIRE,

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