MUST-HAVE TOOLS FOR HOMEOWNERS

When you own your home, things are going to break and, unless you want to spend your money on visits from a neighborhood handyman, you’re going to need to fix them yourself. Luckily, you don’t need an arsenal of tools to handle most home maintenance fixes. These five tools will cover most of your basic projects.

  1. Cordless drill. A cordless drill is a must-have for installing cabinets, drawer pulls, hinges, picture frames, shelves and hooks, and more. Whether it’s for do-it-yourself projects or repairs, you’ll use your cordless drill just about every month.
  2. Drain cleaners. Shower and bathroom sink drains are susceptible to clogs because of the daily buildup of hair and whisker clippings. You can use chemical clog removers like Drano, but they’re expensive and the lingering chemical scent is unpleasant. Instead, buy some plastic drain cleaners that can reach into the drain to pull out the clog of hair and gunk. You can purchase them on Amazon or at a local hardware store for a low price.
  3. Shop-vac. No matter how careful you are, spills and accidents will happen and there are some tasks that just can’t be handled with paper towels or a standard vacuum, like pet messes or broken glass.
  4. Loppers. Even the minimum amount of care for your landscaping will require some loppers to remove damaged branches, vines, thick weeds, and any other unruly plants in your yard.
  5. Flashlight. You’re going to want something a little more powerful than your iPhone flashlight when you’re in the crawlspace!

WHICH DOWN PAYMENT STRATEGY IS RIGHT FOR YOU?

You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders.

But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather than parting with so much cash up front, even if you have the money available.

THE DOWNSIDE

The downsides of a small down payment are pretty well known. You’ll have to pay Private Mortgage Insurance for years, and the lower your down payment, the more you’ll pay. You’ll also be offered a lesser loan amount than borrowers who have a 20-percent down payment, which will eliminate some homes from your search.

THE UPSIDE

The national average for home appreciation is about five percent. The appreciation is independent from your home payment, so whether you put down 20 percent or three percent, the increase in equity is the same. If you’re looking at your home as an investment, putting down a smaller amount can lead to a higher return on investment, while also leaving more of your savings free for home repairs, upgrades, or other investment opportunities.

THE HAPPY MEDIUM

Of course, your home payment options aren’t binary. Most borrowers can find some common ground between the security of a traditional 20 percent and an investment-focused, small down payment. Your trusted real estate professional can provide some answers as you explore your financing options.

Would you like a list of great local lenders to contact? You can find them on my website here _________.

I’m here to help! Contact me anytime.

Jennifer Bailey

SUPERBOWL LII – Eagles vs. Patriots 2018

The highly anticipated Justin Timberlake concert will be taking place today February 4, 2018 LIVE at the US Bank Stadium in Minneapolis, Minnesota.  The temperature high there today is a freezing cold 6 degrees and the low will be -2 negative degrees …BRRRR!!  Of course this concert will also be accompanied by a pretty-big-deal American treasured football championship game! Eagles versus the Patriots the two NFL teams that have made it to compete for the championship at the NFLs 52nd NFL Superbowl Championship game.

PHILADELPHIA EAGLES

pexels-photo-209084.jpeg

VS.

NEW ENGLAND PATRIOTS

pexels-photo-345092.jpeg

I’m not the biggest sports buff, hated sports as a kid, but I have always enjoyed getting together with family and friends to enjoy the Superbowl party.  I do admit I really like  watching it for the commercials, but the game is fun to watch too.  Lets see how it goes this time!  I’m sure the game and the commercials will not disappoint.

Another thing I noticed this year is how very American this line up is.  Eagles vs. Patriots couldn’t be more American.  Two very good teams battle it out in what should be a world-class amazing game while wearing America’s MOST iconic symbols.  What a treat!

Pink will be singing the National Anthem.  She’s a spectacular vocalist and hearing our anthem always gets me choked up and sets me right into the spirit.

 

GAMES OF SUPERBOWLS PAST

SUPERBOWL I – January 15, 1967 – Green Bay Packers beat Kansas City Chiefs 35-10

1986_Jeno's_Pizza_-_15_-_Willie_Davis

SUPERBOWL II – Jan 14, 1967 – Green Bay Packers beat Oakland Raiders 33-14
SUPERBOWL III – Jan 12, 1699 – New York Jets beat Baltimore Colts 16-7
SUPERBOWL IV – Jan 11, 1970 – Kansas City Chiefs beat Minnesota Vikings 23-7
SUPERBOWL V – Jan 17, 1971 – Baltimore Colts beat Dallas Cowboys 16-13
SUPERBOWL VI – Jan 16, 1972 – Dallas Cowboys beat Miami Dolphins 24-3
SUPERBOWL VII – Jan 14, 1973 – Miami Dolphins beat Washington Redskins 14-7
SUPERBOWL VIII – Jan 13, 1974 – Miami Dolphins beat Minnesota Vikings 24-7
SUPERBOWL IX – Jan 12, 1975 – Pittsburgh Steelers beat Minnesota Vikings 16-6
SUPERBOWL X – Jan 18, 1976 – Pittsburgh Steelers beat Dallas Cowboys 21-17
SUPERBOWL XI – Jan 9, 1977 – Oakland Raiders beat Minnesota Vikings 32-14
SUPERBOWL XII – Jan 15, 1978 – Dallas Cowboys beat Denver Broncos 27-10
SUPERBOWL XIII – Jan 21, 1979 – Pittsburgh Steelers beat Dallas Cowboys 35-31
SUPERBOWL XIV – Jan 20, 1980 – Pittsburgh Steelers beat Los Angeles Rams 31-19
SUPERBOWL XV – Jan 25, 1981 – Oakland Raiders beat Philadelphia Eagles 27-10
SUPERBOWL XVI – Jan 24, 1982 – San Francisco 49ers beat Cincinnati Bengals 26-21
SUPERBOWL XVII – Jan 30, 1983 – Washington Redskins beat Miami Dolphins 27-17
SUPERBOWL XVIII – Jan 22, 1984 – Los Angeles Raiders beat Washington Redskins 38-9
SUPERBOWL XIX – Jan 20, 1985 – San Francisco 49ers beat Miami Dolphins 38-16
SUPERBOWL XX – Jan 26, 1986 – Chicago Bears beat New England Patriots 46-10
SUPERBOWL XXI – Jan 25, 1987 – New York Giants beat Denver Broncos 39-20
SUPERBOWL XXII – Jan 31, 1988 – Washington Redskins beat Denver Broncos 42-10
SUPERBOWL XXIII – Jan 22, 1989 – San Francisco 49ers beat Cincinnati Bengals 20-16
SUPERBOWL XXIV – Jan 28, 1990 – San Francisco 49ers beat Denver Broncos 55-10
SUPERBOWL XXV – Jan 27, 1991 – New York Giants beat Buffalo Bills 20-19
SUPERBOWL XXVI – Jan 26, 1992 – Washington Redskins beat Buffalo Bills 37-24
SUPERBOWL XXVII – Jan 31, 1993 – Dallas Cowboys beat Buffalo Bills 52-17
SUPERBOWL XXVIII – Jan 30, 1994 – Dallas Cowboys beat Buffalo Bills 30-13
SUPERBOWL XXIV – Jan 9, 1995 – San Francisco 49ers beat San Diego Chargers 49-26
SUPERBOWL XXX – Jan 28, 1996 – Dallas Cowboys beat Pittsburgh Steelers 27-17
SUPERBOWL XXXI – Jan 26, 1997 – Green Bay Packers beat New England Patriots 35-21
SUPERBOWL XXXII – Jan 25, 1998 – Denver Broncos beat Green Bay Packers 31-24
SUPERBOWL XXXIII – Jan 31, 1999 – Denver Broncos beat Atlanta Falcons 34-19
SUPERBOWL XXXIV  – Jan 30, 2000 – St. Louis Rams beat Tennessee Titans 23-16
SUPERBOWL XXXV – Jan 28, 2001 – Baltimore Ravens beat New York Giants 34-7
SUPERBOWL XXXVI – Feb 3, 2002 – New England Patriots beat St. Louis Rams 20-17
SUPERBOWL XXXVII – Jan 26, 2003 – Tampa Bay Buccaneers beat Oakland Raiders 48-21
SUPERBOWL XXXVIII – Feb 1, 2004 – New England Patriots beat Carolina Panthers 32-29
SUPERBOWL XXXIX – Feb 6, 2005 – New England Patriots beat Philadelphia Eagles 24-21
SUPERBOWL XL – Feb 5, 2006 – Pittsburgh Steelers beat Seattle Seahawks 21-10
SUPERBOWL XLI – Feb 4, 2007 – Indianapolis Colts beat Chicago Bears 29-17
SUPERBOWL XLII – Feb 3, 2008 – New York Giants beat New England Patriots 17-14
SUPERBOWL XLIII – Feb 1, 2009 – Pittsburgh Steelers beat Arizona Cardinals 27-23
SUPERBOWL XLIV – Feb 7, 2010 – New Orleans Saints beat Indianapolis Colts 31-17
SUPERBOWL XLV – Feb 6, 2011 – Green Bay Packers beat Pittsburgh Steelers 31-25
SUPERBOWL XLVI – Feb 5, 2012 – New York Giants beat New England Patriots 21-17
SUPERBOWL XLVII – Feb 3, 2013 – Baltimore Ravens beat San Francisco 49ers 34-31
SUPERBOWL XLVIII – Feb 2, 2014 – Seattle Seahawks beat Denver Broncos 43-8
SUPERBOWL XLIX – Feb 1, 2015 – New England Patriots beat Seattle Seahawks 28-24
SUPERBOWL L – Feb 7, 2016 – Denver Broncos beat Carolina Panthers 24-10
SUPERBOWL LI – Feb 5, 2017 – New England Patriots beat Atlanta Falcons 34-28
SUPERBOWL LII – Feb 4, 2018 – EAGLES VS. PATRIOTS……….. we will find out soon! 

 

Which of these games do you remember the most?  Which of them made you and your friends crazy? Are you in it for the game or commercials?  What’s your favorite game time snacks?

Whatever your answers are have fun and be safe today while enjoying the 2018 Justin Timberlake NFL Superbowl Football game.

 

Oh and if you’d like to enjoy these games without all the snow and freezing temperatures, come on down to Florida “THE Sunshine State”.  High temps today will be 75 degrees with a low of 62.  Call me and I’ll help you find a good place to hang that new 4K big screen TV with the fantastic outdoor kitchen and an entertainment spot big enough to host all your friends and family while you are outside BBQing your burgers and wings.  You might even be able to let the kids play in the pool, those are year round too.

Lets get started – I’ve heard you’ll be calling in “sick” tomorrow anyway.  I’ll be around all day waiting for your call  772-559-5524.

Jennifer Bailey, REALTOR® e-PRO®
Dale Sorensen Real Estate
Vero Beach, Florida
772-559-5524 • veroluxuryhomes.com
MOBILE SEARCH DOWNLOAD: searchinvero.com

Cold Days Call for Chili – this recipe is one of the best!

amazing chili

Who doesn’t want amazing mouth-watering chili on a cold day?  I’m guessing there’s not one person anywhere that wouldn’t love a great bowl of chili.   This is a recipe I found a several years ago and it is AMAZING!!  Try it – your family will LOVE YOU for it!

Will need one big Crockpot – stir all the ingredients together in the crockpot, cover and cook on low about for 6-8 hours.   Do not open the pot – no need to stir it until its all done.

INGREDIENTS
2 pounds of cooked/browned ground beef
one 29-ounce can tomato sauce
one 29-ounce can kidney beans (with liquid)
one 29-ounce can pinto beans (with liquid)
1 cup diced onion (1 medium onion)
1/2 cup diced green chili (I use 1 small can of green chili usually found by the tacos)
1/4 cup diced celery (1 stalk)
3 medium tomatoes, chopped
2 teaspoons cumin poder
3 tablespoons chili powder
1 1/2 teaspoons black pepper
2 teaspoons salt
2 cups water

You must come back and tell me how it was!!

 

Jennifer Bailey, REALTOR® e-PRO®
Dale Sorensen Real Estate, Vero Beach, Florida
772-559-5524 • veroluxuryhomes.com

EPRO-Member-728x90-v2FINAL

The 2017 Real Estate Market – From Top to Bottom

Nick Churton

A London Perspective by Nick Churton, Managing Director of Mayfair International Realty.

 

 

At the end of 2016 we thought that there couldn’t be any more political fireworks in the offing for a while – the Brexit referendum in the UK and the presidential election in the USA were surely quite explosive enough. How wrong we were. By May 2017 the British prime minister had called a snap general election and all but lost. In the same month 40 year old Emmanuel Macron came from nowhere to win the French presidency, and then to top it all the supposedly unassailable German chancellor, Angela Merkle, was assailed. Europe had become a different place by September.

Theresa May’s 2017 election decision is now regarded as the worst in modern British political history. She blew a 20-point lead and, instead of increasing her majority as was intended, she reduced it to the slenderest of margins. The result was a weakened government at a time when the UK was and is facing its sternest test since the Second World War – Brexit.

Photo Credit: By Annika Haas [CC BY 2.0 (http://creativecommons.org/licenses/by/2.0)], via Wikimedia Commons

Brexit seems to have taken over everything. It has reduced even important domestic issues to sideshows. Brexit dominates in the UK and that means in real estate too. Despite a surging stock market, high employment levels and almost unprecedented low interest rates, uncertainty over Brexit is making people think twice about moving home if they don’t have to.

We are used to short term events from time to time suppressing the real estate market. Events like general elections, national referendums and even the Olympics and soccer’s world cup can have a temporary dampening effect. But Brexit, like the great recession of 2008, is another matter entirely. And the Brexit question is going to go on for at least another two or three years.

The Brexit outcome is far from being a forgone conclusion. Nobody knows what sort of nation the UK will be at the end of the long de-coupling process. So hand-in-hand with uncertainty goes depleted real estate activity in the UK.

It seems there are parallels to be drawn between Europe and the US. Despite a soaring stock market, high employment and business growth there are still areas in the US where the luxury real estate sector confounds expectations through surprisingly low transaction levels and downward pressure on values and asking prices. Why? To some this makes little sense. Certainly, as in Europe, there is some political turbulence and uncertainly. But is this the whole reason? It certainly isn’t. There is another elephant in the room – the middle class population. More particularly, it is the middle aged, middle class population. Some of those reaching their forties are taking a long, hard look over their shoulders at the millennials chasing them up the greasy pole. While it might not be a question of fight or flight many are choosing prudence over adventure at this point of their lives – especially if they live in high property tax areas.

What will this mean going forward? In the UK it means that for the next few years, at least, nothing is as certain as buyers and sellers would like it to be. Higher risk real estate investments may be put on hold until career pathways and real estate trends become clearer. In the meantime one thing does seem assured – that first time buyers, urged on by government initiatives, low interest rates, the bank of mum and dad and the retreat of buy-to-let investors will be entering the market in greater numbers than we have seen for years. This is very good news as first time buyers mean second time buyers and second time buyers mean third time buyers and so on. For those in the luxury real estate sector it is a timely reminder that our market is often not so much driven from the top but from the bottom.

people-mother-family-father.jpg


Our economics, demographics, trends, wealth, politics and many other things will always be changing.  As a Real Estate Specialist and Sales Associate, one of my responsibilities is to stay informed an well networked.  Mayfair International Realty is a great resource to us at Dale Sorensen Real Estate.  They allow us a direct international reach to maximize our exposure and marketing for our sellers here in the United States.  I always enjoy hearing about what’s going on across the pond.   If you’d like to set up a private meet to learn more about our international marketing partners we can, set up a Skype call with them, or even have your home featured in the front window of the office right there on busy Thayer Street in London.    Give me a call and I can tell you more about it.

Jennifer Bailey, REALTOR® e-PRO®
Dale Sorensen Real Estate
772-559-5524 • veroluxuryhomes.com

Photo credits:
Trump Photo – Gage Skidmore [CC BY-SA 3.0 (https://creativecommons.org/licenses/by-sa/3.0)%5D, via Wikimedia Commons
Brexit Photo – By Bulverton [GFDL (http://www.gnu.org/copyleft/fdl.html) or CC BY-SA 4.0 (https://creativecommons.org/licenses/by-sa/4.0)%5D, via Wikimedia Commons
Theresa May Photo – By Annika Haas [CC BY 2.0 (http://creativecommons.org/licenses/by/2.0)%5D, via Wikimedia Commons

Can you keep it together when the internet is not working?

no-internet-connection

Have you seen this before?  Yes, I HATE it when I get this annoying dinosaur too.  But did you know that Google Chrome tried to help you make the best of it?  Next time you get this screen just press the space bar and see what happens next…

You’re welcome!  Enjoy!

Jennifer Bailey, REALTOR® e-PRO®
Dale Sorensen Real Estate
772*559*5524 veroluxuryhomes.com

Old clunkers for sale, a service garage or is it a place to get a delish wood fired PIZZA?

station-49-wood-fired-pizza

Pizza you say??  Well yes it is, and I hear it’s pretty good too.  Station 49 is the latest business to take over this great little spot in the downtown commercial section of town.  It’s specifically located at 1802 Old Dixie Highway, Vero Beach, FL.  Reusing this building as a pizza restaurant is such a great re-use of this building.

I remember back in about 1994 this was the very place I purchased one of my first cars.  A beat up old clunker it was but it got me around (most of the time).  My how time flies.

road-man-broken-car-6078.jpg

Photo of just another broken down car, no way would I have taken a photo of my old clunker.  (:

Blast forward to today and it’s the place to get great tasting wood fired pizza as well as a few other tasty treats and super cool atmosphere to go with it.  The restaurant is now called Station 49.  It was most formerly known as “The Garage” which also featured delicious wood fired pizzas.

Stop by and check it out!  I haven’t had the chance to eat there just yet but will be taking advantage of it soon.   Let me know what you think!

I picked up a copy of their menu in case you wanted to see what they have available.  This morning when I stopped by to take a photo the chef said it would be open from 11am-9pm.

Station 49 Menu  <– click link for a PDF copy of this menu

station 49 menu.PNG

Station 49 – Wood Fired Pizza
1802 Old Dixie Highway, Vero Beach, FL  •  772.492.8342
station49pizza.com

Call me today to learn more about owning your “own piece of the pie” I will help you and your family get settled in so you too can enjoy this amazing town.

Jennifer Bailey, REALTOR® e-PRO®
Dale Sorensen Real Estate • 772.559.5524
Vero Beach, Florida
veroluxuryhomes.com

Mosquitoes, Movies and the Progressives that changed Vero

I recently read an interesting story written by the Vero Communique that got me thinking.  How did Vero Beach get it’s start?   What were the people like at that time?  Why is it called Indian River County?  So I thought I’d do a little research and share with you what I have found.

SO FIRST – WHERE DID VERO GET IT’S NAME?

Vero was settled by early pioneers in the 1880’s, was chartered as a town in 1919 and became Vero Beach in 1925. Henry T. Gifford was one of Vero’s most notable early settlers. In 1887, he built a house which is now located near present-day City Hall. He operated a citrus grove business and established Vero’s first mercantile store, which also operated as a post office, express office and railroad ticket office. The name Vero is often attributed to his wife Sarah who suggested the settlement be named for its Latin meaning, “to speak the truth”.

Home of Henry Gifford

This is the home, store and post office of Henry T. Gifford. Recorded as built in 1887 this is the oldest building in Vero Beach and is still standing. Of course it’s seen some better days but it’s looks pretty good for a 131 year old. Sold in 2016 by Carl Sciara, REALTOR from Dale Sorensen Real Estate.

oldest-home-in-vero         Vero-beach-first-post-office

Historical Gifford Home photos courtesy of Carl Sciara, Dale Sorensen Real Estate – This is the oldest home in Vero Beach.  Recorded to have been built in 1887.  If the walls could talk, I’d love to hear all the stories they’d have to say.

vero map

Photo from collection at the Archive Center, Indian River County Main Library

There are a dozens of variations of stories about where the name “Vero” came from.  You can read some of these great ideas which have been published by the Indian River County Library in an articled called “Where did Vero Beach get its name?”.

Here’s when it all happened: 

Post Office Application • 29 September 1891
Vero Platted by Herman Zeuch • 1913-14
Vero Incorporated • 10 June 1919
Vero Changed to Vero Beach and incorporated • 19 May 1925
Indian River County formed • 30 June 1925
Official Flower approved: Hibiscus • 17 October 1967

postoffice

HOW DID INDIAN RIVER COUNTY BECOME INDIAN RIVER COUNTY?

It all had to do with mosquitos, “blue” laws and Governor John Martin.  Prior to 1925 what are now Indian River and Martin counties were part of St. Lucie County.  Fort Pierce was the main seat for the county.

At that time there was a lot of tension between the two counties on the control of the mosquito population.  During the land boom developers in the northern part of the then St. Lucie county thought that the mosquitoes would discourage potential purchasers from moving there.  They believed that a mosquito abatement district would stimulate economic growth.

tiger-mosquito-mosquito-asian-tigermucke-sting-86722.jpeg

Meanwhile, St. Lucie county’s “blue” laws caused a crisis and was one of the main catalysts for the break-up of St. Lucie county.  “Progressive” Veroites created an uproar in 1924 wanting to remove the town from the grasp of St. Lucie county politicians as the result of William Atkin’s new movie theatre in downtown Vero.  Mr. Atkin opened the “picture show” on a Sunday.

At that time St. Lucie County blue laws forbid the sale of any merchandise on a Sunday, as well as showing movies.  Although Mr. Atkins premiered the Sunday movie anyway despite warnings to stop.   Vocelle, Atkin and other community leaders worked vociferously to create a new county shortly after an aggressive raid by law enforcement at the Theatre where several employees were arrested, adding to the ever mounting tension.

vero-beach-theatre

Vero Beach Historical Theatre Plaza on 14th Avenue Downtown Vero BeachPhoto Credit: By Ebyabe (Own work) [CC BY-SA 3.0 (https://creativecommons.org/licenses/by-sa/3.0)%5D, via Wikimedia Commons

Mr. Patterson writes that: In Vero, Vocelle and Alex MacWilliam, a Scottish emigre and prominent businessman proposed that a bill calling for the creation of the state’s first mosquito control district should be introduced at the same time as the legislation authorizing the creation of a new county.  In May, 1925 Vocelle and MacWilliam led a trainload of one hundred supporters of the new county and the mosquito abatement district to Tallahassee.  After some resistance and a bit of negotiation the Governor agreed to the separations of the county.  The northern end would become Indian River County, the middle remained Saint Lucie County and the southern end became the new Martin County, named after Governor Martin which was something the businessmen knew would help the Governor with his decision to go forward.  The order was signed on June 30, 1925 forever changing the future of our area.

Governor Martin came to Vero Beach to celebrate the creation of the three counties at Mr. Atkin’s new movie theatre.

Florida Governor John Martin

Florida Governor John MartinPhoto Credit: Edwards / State Archives of Florida, Florida Memory, via Wikimedia Commons

You can read more of the story written by Vero Communique’s blog here

I have learned after several years living in Vero Beach that this community is a great place to raise a family, full of kindhearted people, plenty of warm days and sunshine.  Vero Beach is slow to grow but this is by design.  Were surrounded by loads of ancient tall trees, very few tall buildings, plethora of cultural activities, it’s still free to park at the beach and of course a great history of people that have made a great impact on our town to make it what it is today.

Call me anytime to learn more about finding your own piece of paradise and becoming part of the charm that lives in Vero Beach.

Jennifer Bailey, REALTOR® e-PRO®
Dale Sorensen Real Estate • 772.559.5524
Vero Beach, Florida
veroluxuryhomes.com


Sources:
Indian River County Library
Vero Communique
City of Vero Beach

Avoid These Two Big Mortgage Mistakes

 

mortage

We all know that searching for and viewing potential homes is the fun part of the home-buying process. The not-so-fun part? The mortgage.

But if you don’t pay attention to the details, your mortgage can end up dragging down the enjoyment of your new home and cause some major regrets. Here are a few mistakes to avoid to ensure that you love your mortgage terms as much as your hew home. Continue reading