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November/December 2016 Moscow-Pullman Daily News & Lewiston Tribune
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| November/December 2016 | Moscow-Pullman Daily News & Lewiston Tribune
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A beginner’s guide to real estate investments MetroCreative
P
urchasing a house or property is about more than setting up a home. Although quite a number of people buy real estate to establish their future, long-term abodes, many others recognize the potentially lucrative investment that lies within a real estate purchase. Despite the ups and downs of the economy, real estate has become a common investment vehicle - one that has plenty of potential for making big gains for those who are willing to put in the effort. According to the experts at Entrepreneur, even in a bad economy, real estate investments will usually fare better than stocks. Real estate also continues to appreciate despite the occasional economical slow-down. Like any other endeavor, there is a right and a wrong way to go about investing in real estate. Novices may not know where to begin their first forays into the real estate market as investors, even if they already own their own homes. Buying a property as an investment is an entirely different animal than buying a home to establish a residence. However, with the right guidance, anyone can dabble in real estate.
· Establish financial goals. Before you even begin looking at properties or put forth the effort of meeting with an agent, you must determine what you expect from the investment. The days of buying real estate and flipping it for a fast profit may no longer be here. However, real estate can provide a steady stream of long-term income. Understand what you hope to achieve by investing. If it’s to become an overnight millionaire, you may be looking at the wrong investment vehicle in real estate.
in your financial favor. And know what you want to do with the property (i.e., renovate and sell, remove and rebuild, or rehab and rent) before you buy. Fit the house to the plan, and not vice-versa.
· Start small. If this is your first time out there, stick with
properties that will turnover quickly. Research areas in and around urban centers or close to transportation and shopping. A good starter property is a small house or a condominium that can be refurbished and then rented. Rental properties offer steady sources of income when renters are properly vetted, offers Investopedia, an investment resource.
· Look at many different properties. Become an expert by learning as much as you can about what is out there. Attend open houses; look for vacant/unattractive properties; scour the classifieds in your local paper; or put the word out there that you’re interested in buying a property. Only look at properties that have motivated sellers, because then you’ll get closest to the price you want to pay. And don’t forget to research the area and the home turnover rate for the specific area where you are looking. Don’t make assumptions that a property will appreciate without doing your homework. Real estate can be a worthy investment opportunity. With research, a plan and the right price, just about anyone can be a real estate investor.
· Establish a plan. New investors who do not have a plan
in place will likely spend too much or have more setbacks than others who have planned accordingly. When investing in real estate, it’s more about the bottom line than the property itself. According to Springboard Academy, a real estate academy for investors, look for motivated sellers and stick to a set purchase price. Try to make offers on a variety of properties that work
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A recipe for better cooking skills
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MetroCreative
he ongoing popularity of food-focused television shows, websites and apps suggests the public’s desire to expand their food horizons and skills in the kitchen knows no bound.
But some people may be falling short in terms of their kitchen skills. According to the market research firm Technomic, 80 percent of millennials say they think cooking meals at home is a smart living choice and nearly 70 percent say they enjoy cooking for others. However, there may be room for many people to improve their cooking skills in the kitchen. The market research group NPD Group found just 45 percent of those between the ages of 18 and 24 consider themselves to be merely “somewhat good” at cooking, according to a survey from January 2015. Cooking well has become something to which many people aspire, but with time-pressed schedules, some find it difficult to make meals happen. Those who are resolving to make more time for homecooked meals and sharpen their culinary talent have many resources at their fingertips.
· Be present in the kitchen. The first step to being a better cook is to spend time in the kitchen and give meal-making your full attention. Distractions such as mobile phones and televisions can detract from the cooking experience. Flavorful and correctly prepared meals require attention to detail.
· Learn the vocabulary. It’s easier to prepare gourmet meals once you have fine
tuned your cooking vocabulary. Cooking may have some abstract or foreign terms that mix together to form the culinary lexicon. Taking the mystery out of a roux or learning what it really means to roast can make it easier to develop your skills to the fullest.
· Have fresh ingredients on hand. Build meals around ingredients that are available at home. Shop regularly for the staples that can be turned into many different meals simply with a variation of flavor. Before cooking, practice “mise en place.” This is a French term for ensuring all of the ingredients for a particular recipe are prepped and ready to go before the stove is even turned on.
· Read over the recipe and understand it. Trying different recipes can be fun because learning to cook well comes with frequent practice. Understand the components of a recipe and refer back to it frequently so that you know how and when to add ingredients. As you develop more confidence, you can veer from the recipe and expand the flavor profile or make substitutions.
· Recognize that cooking is somewhat intuitive. A recipe can only get a cook so far. As your skills develop, you will develop a feel for good cooking. For example, you will know when a dough is at the right texture or if meat seems to be at the proper temperature (test it with a thermometer to be sure). If self-guided lessons are not effective, cook with a friend or family member who is a proficient home chef. This is a good way to learn techniques hands-on.
| November/December 2016 | Moscow-Pullman Daily News & Lewiston Tribune
Palouse Living
Holiday hosting
H
THERE ARE INDUSTRY TEST STANDARDS, AND THEN THERE ARE TRANE STANDARDS.
MetroCreative
oliday revelers tend to be busy with social engagements - from corporate parties to cocktails with close friends - between Thanksgiving and New Year’s Day. Chances are, many people will be attending a party and/or hosting their own this holiday season. While attending a party requires little of celebrants other than a willingness to have a good time, hosting a holiday gettogether can be hard work. But hosts can heed a few timetested strategies to ensure they and their guests make the most of their time together this holiday season.
Forget perfection. Television, movies and
advertisements paint an unrealistic picture of what the holidays should be. Don’t get down if a holiday party that would make Norman Rockwell proud is beyond your capabilities. Rather than trying to plan a picture-perfect holiday party, channel your energy into what you do best. Cook up a holiday feast if you love being in the kitchen, or decorate till you drop if you love to deck the halls. The point of the party is to gather with family and friends, so no need to worry about throwing a perfect party.
Enlist helpers. Ask others to contribute to the party so all of the work is not on your shoulders. A potluck party is a great way to encourage participation. When everyone brings something along and helps, it frees up time to spend together rather than worrying about what needs cooking in the kitchen or whether a last-minute trip to the store is in order. Downsize. Festive feelings may inspire you to expand
your guest list. Social people understandably want to invite all of their circles of friends, but an overwhelming guest list can make hosting more difficult. If you have trouble paring down the guest list, consider hosting separate parties, designating one for family and another for friends.
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You can even downsize your offerings to lessen some your load. Rather than spending days in the kitchen making unique apps, stock up on chips, snacks and premade appetizers so you have enough food. If you want to make one or two appetizers from scratch, stick to a handful of tried-and-true recipes and convenience items so you’re not worrying about kitchen-testing new things.
Holiday hosting can be a big time commitment, but there are ways to make hosting easier regardless of how busy you are.
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Hire professionals. If you’re simply too busy to handle hosting but still want to invite loved ones, hire some professional help. Hire wait staff to tend to guests during the party, and book a cleaning service to clean your home in the days before the party. Don’t hesitate to have the party catered if you prefer your gathering not be potluck.
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Moscow-Pullman Daily News & Lewiston Tribune | November/December 2016 |
How to save for a down payment on a house
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home is the most costly thing many people will ever buy. The process of buying a home can be both exciting and nerve-wracking. One way to make the process of buying a home go more smoothly is to save enough money to put down a substantial down payment. Saving for a down payment on a home is similar to saving for other items, only on a far grander scale. Many financial planners and real estate professionals recommend prospective home buyers put down no less than 20 percent of the total cost of the home they’re buying. Down payments short of 20 percent will require private mortgage insurance, or PMI. The cost of PMI depends on a host of variables, but is generally between 0.3 and 1.5 percent of the original loan amount. While plenty of homeowners pay PMI, buyers who can afford to put down 20 percent can save themselves a considerable amount of money by doing so. Down payments on a home tend to be substantial, but the following are a few strategies prospective home buyers can employ to grow their savings with an eye toward making a down payment on their next home.
· Decide when you want to buy. The first step to buying a home begins when buyers save their first dollar for a down payment. Deciding when to buy can help buyers develop a saving strategy. If buyers decide they want to buy in five years away, they will have more time to build their savings. If buyers want to buy within a year, they will need to save more each month, and those whose existing savings fall far short of the 20 percent threshold may have to accept paying PMI. · Prequalify for a mortgage. Before buyers even look
for their new homes, they should first sit down with a mortgage lender to determine how much a mortgage they will qualify
for. Prequalifying for a mortgage can make the home buying process a lot easier, and it also can give first-time buyers an idea of how much they can spend. Once lenders prequalify prospective buyers, the buyers can then do the simple math to determine how much they will need to put down. For example, preapproval for a $300,000 loan means buyers will have to put down $60,000 to meet the 20 percent down payment threshold. In that example, buyers can put down less than $60,000, but they will then have to pay PMI. It’s important for buyers to understand that a down payment is not the only costs they will have to come up with when buying a home. Closing costs and other fees will also need to be paid by the buyers. · Examine monthly expenses. Once buyers learn how much mortgage they will qualify for, they will then see how close they are to buying a home. But prospective buyers of all means can save more each month by examining their monthly expenses and looking for ways to save. Buyers can begin by looking over their recent spending habits and then seeing where they can spend less. Cutting back on luxuries and other unnecessary spending can help buyers get closer to buying their next home.
· Avoid risky investments. Some times it’s great to take risks when investing, but risk should be avoided when saving for a down payment on a home. Traditional vehicles like certificates of deposit, or CDs, and savings accounts can ensure the money buyers are saving for their homes is protected and not subject to market fluctuations. Saving enough to make a down payment on a home can be accomplished if buyers stay disciplined with regard to saving and make sound financial decisions.
| November/December 2016 | Moscow-Pullman Daily News & Lewiston Tribune
Palouse Living
Weekly meal plans
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MetroCreative
eal plans provide a clever way to save money on food. Knowing the meals that will be made and which ingredients need to be purchased for these recipes eliminates floundering and impulse purchases at the supermarket. Knowing exactly what to buy and when also can eliminate food waste and spoilage. According to research from the University of Pennsylvania, people who can avoid impulse spending can save up to 23 percent on their grocery bills.
Fortunately, time-pressed individuals have a number of resources at their disposal to help them plan and shop for meals. A quick online search for weekly meal plans will yield many results, including recipes and complementary shopping lists. People also can download apps that help with meal planning to their smartphones. Such apps include Yummly, Pepperplate and MealBoard, among others. Another way for individuals to plan meals more effectively is to take a few moments on the weekend to think about which meals to make during the week ahead. Compare the necessary ingredients against those you may already have in your pantry. The rest can be purchased and saved for subsequent meals. Buying a week’s worth of groceries in one shopping trip is more efficient and can help to conserve fuel.
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When planning meals, try to use the most perishable items first. For example, prepare to use seafood, some dairy items and fresh vegetables early in the week, and more durable foods, such as frozen, boxed or canned goods, later in the week.
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When buying foots at the store, buy proteins in bulk and subdivide them into smaller packages to save money. Properly repackage foods so they will not spoil or become freezer burned, leading to waste. Other budget-conscious shopping tips include trying store brands, building meal plans around items that are on sale that week and making use of coupons or coupon apps.
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Post a weekly meal plan on or near the refrigerator so items can be thawed and ingredients prepared as needed. Building meals around slow cooker recipes also can help those who like to prep foods in the morning and then come home to completely cooked meals. On busy nights, arrange for fast meals, such as sandwiches or one-pot creations. By planning meals in advance, home cooks never have to stand in front of the pantry wondering what to make.
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Planning meals in advance can also provide a host of health benefits. When meals are planned in advance, shoppers have more control over the ingredients they choose and can tailor them to specific dietary needs or healthy eating plans.
Moscow-Pullman Daily News & Lewiston Tribune | November/December 2016 |
How to tame indoor home odors
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MetroCreative
clean home interior can make a strong first impression on prospective buyers, but only if that home is accompanied by pleasant scents. Odors can make a strong impact on buyers’ perceptions of a home, including its level of cleanliness and upkeep. Although dirt and other grime can contribute to the odor of a home, additional culprits can contribute to foul smells as well. Everything from pets to the foods cooked in the kitchen to the hidden presence of mold can impact air quality and odor inside a home. Fortunately, there are ways to remedy stinky problems and come away with sweet-smelling solutions. It’s important for homeowners to realize that foul air inside a home can be the result of poor indoor air quality - which can be a health hazard. The United States Environmental Protection Agency ranks indoor air quality as a top five environmental risk to public health. EPA studies found indoor air pollutants were generally two to five times greater than outdoor pollution levels. In some cases, indoor air pollution was 100 times greater. The United States Consumer Product Safety Commission says the following can contribute to poor indoor air quality and also to some interior odors: combustion sources; tobacco products; building materials and furnishings; wet or damp carpet; cabinetry or furniture made of certain pressed wood products; products for household cleaning and maintenance and even outdoor sources such as radon, pesticides and outdoor air pollution.
So how does one remedy poor indoor air quality and odors inside a home? These tips can improve conditions.
· Ensure adequate ventilation. Open windows and doors when weather permits to eliminate the concentration of pollutants and help air out odors. Use exhaust fans in kitchens and baths to pull indoor air to the outside.
· Invest in an air filter. A high-efficiency particulate air filter will force air through a fine mesh and trap harmful particles, such as pet dander, smoke, pollen, and dust mites, that can build up in a home. Remember to change the filter regularly.
· Increase the number of plants. Plants can brighten interior spaces, and they’re also remarkable at cleaning indoor air. The Clean Air Study conducted by NASA set out to find out the best way to clean the air in space stations. The association found that the Boston fern, spider plant, Chinese evergreen, weeping fig, variegated snake plant, and English ivy, among many other plants, were ideal for filtering air and removing harmful contaminants.
· Ditch disposal odors. Food can become trapped and decompose in garbage disposals. Cut citrus fruit into chunks and drop them into a running disposal to remove many odors.
| November/December 2016 | Moscow-Pullman Daily News & Lewiston Tribune
Palouse Living
¡ Air out the washer. New washing machines have tight seals and gaskets that do not allow air to penetrate (or water to leak out). Mildew can grow as a result. Leave the washer door open after a round of laundry to let things dry and air out.
¡ Tame pet odors.
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Pets contribute heavily to odor in a home. Wet dog smells are prevalent on rainy days, while cat litter boxes can pack a pungent punch. Cleanliness can cut down on smells. Use activated charcoal in litter products to tame smells and empty the litter box frequently. Make sure dogs are dried off thoroughly when coming in from the rain, and use a deodorizing spray on pet fur. Regular grooming can help as well. Odors in a home can be embarrassing and set a poor tone when inviting company over or showcasing a home for prospective buyers. Keep odors at bay by identifying the sources of smells and taking action.
What to do when your cat needs a bath According to the American Society for the Prevention of Cruelty to Animals, indoor cats rarely need baths. But sometimes cats find themselves in sticky situations that dirty their coats and give them a less than agreeable odor. Cat owners concerned about bathing cats can consider the following tips, courtesy of the ASPCA.
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¡ Trim the claws. Cats are unlikely to find a bathtub comfortable, so cat owners should expect them to resist. Owners can protect themselves from such resistance by trimming their cat’s claws prior to bath time.
¡ Brush your cat’s hair. Matted hair can be a nuisance
come bath time, and that can translate into a lengthier bath that will try the patience of cat and owner alike. Just before bath time, brush your cat’s hair to loosen any matted areas. Once hair has been brushed, gently insert some cotton into your cat’s ears to prevent water from getting inside them.
¡ Choose the right time. Mellow or tired cats are less likely to resist a bath than well-rested cats with lots of energy, so choose a time of day when your cat is typically mellow to give the animal its bath. Allow the cat to play with some toys prior to bath time so he or she grows a little tired.
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¡ Use lukewarm water. When bathing your cat, use only
lukewarm water. Get your frisky friend wet in three to four inches of water before gently massaging a solution that is one part cat shampoo and five parts water into his or her hair. Massage in the direction of the hair growth and do not use human shampoo, which can dry out cats’ skin. When the time comes to rinse the soap, once again gently use lukewarm water, taking caution to avoid getting soap and water into your cat’s eyes, ears and nose. Make sure there is no remaining shampoo residue, which can irritate the skin and attract more dirt.
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Moscow-Pullman Daily News & Lewiston Tribune | November/December 2016 |
Dress up your home for the holidays
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MetroCreative
he holiday season is rife with traditions that focus on fun and family. One such testament to the festive spirit of the holiday season is the many homes and businesses decorated with the lights and colors that have become synonymous with the season.
ornaments and place it in a prominent location, such as a busy hallway or the foyer of your home. Hang ornaments on clear filament from the mantle or within the main window of the house, where they can reflect tree lights and add sparkle.
Decorating for the holiday season can be time-consuming. While decking the halls may not consume as much time as holiday shopping and wrapping presents, according to data from a 2013 American Time Use Survey, interior and exterior decorating for the holidays may consume anywhere from 2.5 to 3 hours per session.
on staircase handrailings or on the mantle, or use greenery to frame doorways. The scent will be inviting and things instantly will look more festive.
Holiday decorating includes things as simple as setting up a menorah or as complex as stringing lights on the exterior of a home. Though elaborate displays can take hours to erect, time-crunched holiday celebrants can still create festive, welcoming displays.
· Hang holiday wreaths. Holiday enthusiasts without much time to decorate can invest in a couple of holiday wreaths, which can be dressed up as much or as little as celebrants prefer. If you do not have the time to string lights on the house, wrap them around wreaths hung in windows or hang the wreaths on a home’s main entrance. Celebrants who want to go a less traditional route can hang wreaths made of holly, citrus fruits, ribbons, or any other greenery instead of the more customary evergreen wreaths. · Decorate with ornaments. Ornaments are not
exclusive to Christmas trees. Fill a vase or bowl with metallic
· Bring in more greenery. Drape evergreen boughs
· Use throws and decorative pillows. Change
the look of a room with holiday-colored decor if you do not want to clutter the space with knickknacks. A red and green blanket draped over the sofa can give off a comforting holiday vibe.
· Focus on the front door and entryway.
Celebrants who do not have the time to decorate their entire homes can create a warm, inviting space by decorating their front doors and entryways. Place greenery, bows, tinsel, lights, and winter-inspired accessories by the front door so friends and family visiting for the season catch the holiday spirit the moment they walk through the door.
· Place LED candles in windows. Rather than contending with twinkle lights and electric cords, homeowners can employ battery-operated faux candles to create a homey appeal in windows and hallways throughout their homes. Simplify holiday decorating with some easy tips to make houses cozy and festive.
10 | November/December 2016 | Moscow-Pullman Daily News & Lewiston Tribune
Palouse Living
Home is not just a place…. It is a feeling I’m with you to help you plan, when you purchase, and after you own.
We provide a wide array of competitive products, programs and services to ensure that your home financing needs are met. You may benefit from: • A wide selection of conventional loan programs • Competitive mortgage rates • Fixed- and adjustable-rate mortgages (ARMs) • PriorityBuyer® preapproval • Owner –occupied and investor mortgage programs available • Financing for new construction homes • Builder Best® Extended Rate Lock program Expect me to work closely with you to explore and explain options for your budget and goals. Call today!
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Home Mortgage Consultant 221 S Main St, Moscow, ID 83843 Office: 208-883-5659 Cell: 208-874-2452 rachel.e.laine@wellsfargo.com www.wfhm.com/rachel-laine NMLSR ID 1015986 Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N. A. © 2015 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS2607579 Expires 12/2016
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