Posted by Marie Presti on 9/8/2019

Every homeowner knows how difficult it is to maintain a household. There are so many things that could go wrong in one’s life that committing to significant home payments may cause trouble.

Those who have been in debt knows that the reality of real estate is that it goes up. The value of your house would increase with the limited inventory and the high demand for homes. 

Refinancing is always a viable option for every homeowner. With that, if you are asking if refinancing is a good step for you, the following should provide an answer:

First, refinancing is not a one size fits all kind of solution. It has different types which would determine if it is the right step for you.

There is a cash-out refinance which allows the homeowner to take advantage of the increase in price and replace the existing mortgage with a new one. Every person should know, however, that taking out cash-out refinancing is not good for those who cannot handle their payments in the first place. It renews your loan and extends it for a period, but it is not always a solution for those who lack self-control.

There is also a rate refinance where you would renegotiate the interest rates that you are paying. This one is a good step for those who are willing to pay off some of the debt through the equity and place it directly on loan.

Second, refinancing is not free. A common mistake that people think is that their refinancing option is open, so they get shocked when they have to pay about a thousand dollars for it. If you are in a position where you can afford a thousand dollar lost for tens of gain, it should be a good step for you.

Third, refinancing extends the term of your loan. You may feel like you get out of debt with refinancing but what you are only doing is reaching the end of your credit, and you are still in debt.

Now that you know some facts about refinancing, you can make a better decision if it is right for you and your mortgage. A financial adviser could advise you, but it is you who ultimately makes the decision.

Keep in mind that in case you need to ask more questions, you should ask a real estate professional and seek help from the experts.




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Posted by Marie Presti on 9/4/2019


30 Crehore Dr, Newton, MA 02462

Newton Lower Falls

Single-Family

$849,900
Price

7
Rooms
4
Beds
2
Baths
This Move-in ready 4 bedroom, 2 bath, cape style home with garage and central air is located on a quiet street a short 5 minute walk to Hamilton Park with baseball diamond, ice skating rink, soccer field and a playground built by Newton Lower Falls residents. So much potential with the flat and level 8K sf lot. First floor offers 2 bedrooms, full bath, kitchen, dining room, fireplaced living room, mudroom, and sunroom. New carpet on 2nd floor where the master bedroom is located plus an office and 3/4 bath. Lights were replaced in the dining room, kitchen and foyer and several rooms were recently painted. Newton Lower Falls is close to the Charles River and two 18 hole golf courses (Woodland - private, and Leo J. Martin public). Walk to Wellesley Lower Falls shops and restaurants. Easy access to all major routes and about 1/2 mile to Riverside Green Line T Station (D Green Line with direct access to Fenway Park and Downtown Boston). Use it asis or add on to make it your dream home!
Open House
Sunday
September 08 at 2:00 PM to 3:30 PM
Cannot make the Open Houses?
Location: 30 Crehore Dr, Newton, MA 02462    Get Directions

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Categories: Open House  


Posted by Marie Presti on 9/4/2019


12 Kempton Pl, Newton, MA 02465

West Newton

Rental

$2,100
Price

4
Rooms
2
Beds
1
Baths
This apartment is on the 2nd floor of a multifamily on a quiet road off of Washington St. Nice open floor plan living room and kitchen area. Walk to West Newton Square, commuter rail to Boston, and Theatre. Pets under 30 lbs accepted with additional pet charge $25/mo. Looking for a tenant for 12 months or shorter in lease duration.
Open House
Saturday
September 07 at 11:00 AM to 12:00 PM
2nd floor apartment on a quiet road off of Washington St. Nice open floor plan living room and kitchen area. You would enjoy the walking distance to West Newton Square, lots of restaurants, the commuter rail to Boston, and Theatre. Pets under 30 lbs accepted with additional pet charge $25/mo. Looking for a tenant for 12 months or shorter in lease duration
Cannot make the Open Houses?
Location: 12 Kempton Pl, Newton, MA 02465    Get Directions

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Tags: Real estate   Rental   Open House   Newton   02465  
Categories: Open House  


Posted by Marie Presti on 9/1/2019

Today's work culture allows for many jobs and positions to work from home full or part-time. Creating a freelance business for yourself is possible more now than ever. It can give you the opportunity you need to take charge of your career or support your efforts to start a new company. But, if you haven't worked from home before you may not have experience in setting your own schedule, managing clients directly and maintaining a comfortable work-life balance. Here are some suggestions to help you set yourself up for success.

Set a schedule and stick to it

.One of the joys of freelance work is being able to determine your schedule. Once you gain experience working for yourself you will able to change your plan when something comes up, a client needs something on the fly, or there's a social activity you want to attend. When you first embark on your new work-lifestyle, it is essential to stick to a schedule to help you create the best habits to support your business. Determine what your office hours will be and spend the first 6-months sticking to those hours. During that time take notes of your busiest times of day, when you receive calls or emails the most and how the schedule you initially set up fits with the typical deadlines of your clients. After you've tried working from home for some time, you can examine your notes and adjust your schedule accordingly. You'll see where you can be flexible, when you need to send calls to voicemail and when you have the best time and mental space to allow for maintaining client relationships. 

Get up each day like you’re going to an office.

It might feel luxurious at first but rolling out of bed and immediately starting to work in your pajamas can very quickly have a negative impact on your motivation and productivity. It becomes comfortable to sleep and push your start time because you don't have to get ready. You might not get out of the house to meet clients because you aren't dressed to go out. As with your new schedule, every morning get up, shower and get dressed just like you would for an office job. Taking this time in the morning helps you mentally prepare for the day and get into work mode. Bonus — you can save a bit on hair product or makeup. A fresh shower and clean face will help you be bright and bushy tailed to start the day, finishing touches on hair or makeup can wait until you know you’ll need to meet with a client that day. 

Find your best place to work. 

Depending on your situation you may not have a designated home office or space for one. Try working in different areas of your home, the dining table, kitchen counter or living room. If you find distraction in any of these spots, you may need to locate space in your home to designate for your home office to keep you focused. Even in small interiors, there are creative ways to design your home office space. You might find that although your skillset and personality function well-doing freelance, you don't enjoy working at home or have a difficult time motivating yourself when completely alone at your house. Try working at a coffee shop or joining a co-work space. Working around other freelancers and entrepreneurs can increase your motivation and create opportunities for you to network and meet new clients or partners. Many freelancers work well designating some hours of work from home and some from a community space.

To make the most of your new work-life take the steps above to set yourself up for success. If you're moving into a new area or looking at new homes work with your agent to find a perfect place that allows you to create a home office for yourself. Speak with them about communal working environments near the neighborhoods you’re considering to build in opportunities for you to engage with other freelancers like you.




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Posted by Marie Presti on 8/25/2019

Are you finally taking up the challenge to clean your fridge after many weeks or months or glossing over it? Kudos to you. Not sure of how to begin? Follow these simple steps. 

First of all, remove the contents of the fridge before starting. An empty fridge makes cleaning it a lot easier for you. You should also take out all the removable pieces like shelves and drawers and soak them in a pan of warm water and dish soap for a few minutes. Wipe, rinse and dry them when you are ready.

Clean up all the surfaces in the fridge with a soft washcloth using warm water and dishwashing liquid. Make sure you sue a particle that won't leave particles in your fridge. If there are particularly strong stains, apply a mixture of baking soda and water to it for about an hour before wiping down. Baking soda will also help get rid of stubborn odors and smells, leave a small bowl with a handful of baking soda in it at the bottom of your fridge and watch it absorb any odors.

When you finish cleaning, then it's time to organize your fridge to make it easy to find whatever you need. Place items that require no cooking such as canned foods or leftovers at the top while everything else is organized downwards based on the cooking temperature. This design is to help prevent cross-contamination from happening. The door is the warmest part of any fridge so only put condiments and things that cannot go bad there. The upper shelves should be used for drinks and ready to eat foods like yogurt and cheese.

Label foods in clear containers so you can see what contains what. You can put similar food items in baskets, so they are easy to reach. Put fruits in the lower drawer, leaving them in a plastic bag. Don't wash them before use as the moisture may promote the growth of bacteria. For more storage space, hang suction baskets on the walls of the fridge and fill them with little items that might otherwise be lost in the refrigerator. You could also buy detachable magnets and glue them to the underside of small plastic containers and attach them to the side walls of your fridge. 

Visit your local supermarket for more options of additional storage bins you can incorporate into your fridge.







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