Home Seller: Friday, September 23, 2022

Q: I bought a small house in Vallejo a few months ago from a guy. It’s an old, rundown house and he sold it cheap. I paid cash for it and recorded the quit claim deed he gave me. I’ve just received a letter from a lawyer in Sacramento saying I don’t own the house and that his clients, a retired couple, do. So I went down to the county offices and looked it up. My deed is the last deed they have. Is the letter from the lawyer a mistake? Should I contact him directly and give him a copy of my deed?

A: To answer your ques tion I need to make a couple of basic assumptions, since your email didn’t give me a lot of the particulars.Therewere no Realtors involved and no title compa nies, right? You saw an ad in the paper or Craigslist or something and

I’mcalled.just taking a calculated guess here, but odds are the guy who sold you the house never owned it.

So how was he able to give you a deed? Well, that’s easy!

Anyone can give anyone a deed. It’s just a piece of paper. I’m guessing the guy was a tenant or, even worse, a squat ter the real owners never knew anything about. Even worse than

that, you specifically said you were given a quitclaim deed.

Deeds come in different flavors. There are trustee deeds, deeds of trust, gift deeds, grant deeds, quitclaim deeds and prob ably a few deeds I’ve missed. Each type of deed has its own nuances, but many times they are effectively interchangeable.

Both grant and quitclaim deeds are commonly used to convey title to real estate. But they aren’t the same thing, most particularly in your case.

A grant deed, the most common type of deed used in California to convey title to a buyer, carries with it certain legally enforceable promises by the seller. If I give you a grant deed to a property, I’m also giving you a guarantee that I own it and have the legal ability to give it to you. Even if the prop erty is transferred without any type of written contract, the grant deed’s built-in warranty gives the buyer the right to sue if something turns out to be wrong

with the title.

Not so with a quitclaim deed.

Quitclaim deeds carry no warranty that the seller has any legal ownership interest in the property. It’s up to the buyer to decide if the guy has valid title or not.

I can give you a complete, fully notarized and recordable quitclaim deed to the prover bial Brooklyn Bridge. If the bridge happened to be located in Solano County, you could take the deed down to the Recorder’s Office and record it. But if you start trying to collect tolls, you’re going to have a problem.

All the deed transferred to you was any right or title to the bridge that I actually had at the time. Regarding the bridge, my right or title is exactly zip, zilch and nada. So that’s exactly what youThat’sbought.why prudent buyers also buy a title insurance policy. The title company guarantees that when the deed is recorded you, the buyer, actually have good title to the property. If there is something wrong, and it happens more than you could imagine, the title company comes to the rescue. They either fix the problem or pay you your money back.

So assuming the Sacra

mento attorney is correct and his clients do own the property, what do you do?

You still may have a lawsuit against the seller, if you can find him, for fraud. If he made any statements to you, orally or in writing, that he owned the house, you have a However,lawsuit.thebest the court can do is to give you a judgment

for your purchase price. Collect ing the money from the guy is your problem and, in this case, I’m suspecting it’s a big problem.

Tim Jones is a real estate attor ney in Fairfield. If you have any questions you would like answered in this column, you can send an email to RealEstate@TJones-Law.com.AllThings

How much will a house cost by 2030?

PREDICTIONS, TIPS TO START SAVING

DAVID MCMILLIN BANKRATE.COM

JFannie Mae. Between higher mortgage rates, still-high home prices and broader inflation ary pressure, putting off buying a home might be the only option for some. What happens if you wait, though? Will the housing market of the future be any more favorable for homebuyers? Here’s what experts think.

Key housing market statistics today

• The median home sale price hit $433,100 at the begin ning of 2022, according to Census figures. That’s up from $329,000 at the start of 2020.

• Approximately 43% of the homes sold in the second quarter of 2022 were within the budget of a family earning the median income of $90,000 per year, according to the National Associ ation of Home Builders.

• The median down payment was $35,000 in the second quarter of 2022, a 34.7% jump from the previous quarter, according to ATTOM.

• So far in 2022, sales of existing homes have trended downward, according to the National Association of Realtors (NAR).

• As of July 2022, listings remained on-market for two weeks, the shortest time frame on record, according to NAR.

• Existing-home inventory came in at 1.31 million in July 2022, NAR reports, up 4.8% from June.

How much will a house cost by 2030?

While it’s relatively easy to predict short-term movements in the housing market, looking ahead to the end of the decade can be quite challenging.

“Trying to predict home price movements over nearly a decade would be little more than a shot in the dark,” says Nicole Bachaud, senior economist at Zillow. “At least for the foresee able future, it is likely that home price growth will be much closer

to historical norms [between 3 and 5% annually] than the record pace we’ve seen during the past two years.”

“Even if inflation goes back down to 2%, that could take a $1 million home to $1.17 million by 2030,” says Leonard Stein berg, chief evangelist and corporate broker in New York City at Compass. “At 5%, it’s $1.47 million.”

Could we actually see a decline in home prices? Not likely.

“Home values have leveled off this summer while buyers pull back at today’s prices, but

it’s important not to confuse the inability to buy a home with a lack of desire to buy,” says Bachaud. “Pent-up demand from potential buyers waiting in the wings for a home they can afford will provide a backstop for prices that will keep them from falling anywhere near pre-pandemic levels, so the price drops we see today will likely be minimal and short-lived in lieu of a significant increase in housing inventory.”

Still, buyers could get a bit more bargaining power, includ ing the ability to come in under asking price in some markets and negotiate concessions.

“I’m not so confident that buyers are going to feel like they are getting a good deal,” however, says Daryl Fair weather, chief economist for Redfin. “With higher mortgage rates, the median mortgage payment is nearly 40% higher than it was just a year ago.”

Will we see some additional supply to solve the housing short age? Maybe, but that increase isn’t going to happen overnight.

“Home builders do not sub scribe to the ‘If you build it, they will come’ mindset,” says Greg McBride, chief financial analyst at Bankrate. “They did that before [leading up to the 2008 housing crash], and it didn’t work out well.”

In addition to builder con cerns, other factors like zoning issues in certain cities and neigh borhoods put up more hurdles on the path to addressing the lack of listings.“Theshortage of homes is an issue that isn’t going to go away,”

says McBride. “It’s going to take a long time to fix.”

One factor that can impact the type of home loan you might need is the Federal Housing Finance Agency’s annual update to conforming loan limits. Each year, the agency spells out a new maximum amount for mort gages purchased by Fannie Mae and Freddie Mac (the major ity of loans) based on home price growth.

In 2022, the FHFA raised the limits significantly to account for rising home values: $647,200 across most of the country, stretching to $970,800 in high-priced areas like Califor nia, Hawaii and New York City. If you need to borrow an amount that exceeds your area’s limits, you’ll need to qualify for a jumbo loan, which often comes with more stringent credit and down payment requirements.

What about mortgage rates?

Whether you’re hoping to buy a house in the next year or next decade, higher or lower mort gage rates help determine how much you can afford. Rates have been rising so far in 2022 as the Federal Reserve works to get inflation in check. You might be looking at the surge from around 3% at the end of 2021 to today’s rates of more than 5% with serious worries about where those rates will be in 2030.

“The future is so uncertain right now,” says Fairweather. “We don’t know when inflation

ROBINSON KUNTZ/DAILY REPUBLIC FILE (2016)

Houses in the Cordelia Villages area of Fairfield.

Real estate transactions

BENICIA

TOTAL SALES: 8

LOWEST AMOUNT: $610,000

HIGHEST AMOUNT: $1,253,000

MEDIAN AMOUNT: $882,000

AVERAGE AMOUNT: $892,625

784 Carsten Circle - $1,075,000

08-19-22 [6 Bdrms - 3110 SqFt - 1988 YrBlt],

Previous Sale: 00/1992, $315,000

1748 Casa Grande Street - $610,000

08-18-22 [2 Bdrms - 1094 SqFt - 1990 YrBlt],

Previous Sale: 03-11-03, $268,050

850 Channing Circle - $949,000

08-18-22 [4 Bdrms - 2414 SqFt - 1985 YrBlt],

Previous Sale: 10-24-13, $539,000

304 Drake Court - $945,000

08-18-22 [3 Bdrms - 1454 SqFt - 1973 YrBlt],

Previous Sale: 06-18-08, $495,000

504 Grant Court - $1,253,000

08-16-22 [4 Bdrms - 2178 SqFt - 1981 YrBlt],

Previous Sale: 08-09-01, $485,000

342 West H Street - $819,000 08-19-22 [2 Bdrms - 1622 SqFt - 1984 YrBlt]

205 West H Street - $800,000 08-19-22 [2 Bdrms - 1902 SqFt - 1930 YrBlt], Previous Sale: 00/1992, $42,500

429 Myrtle Court - $690,000 08-15-22 [3 Bdrms - 1566 SqFt - 1983 YrBlt],

Previous Sale: 10-20-05, $480,000

DIXON

TOTAL SALES: 5

LOWEST AMOUNT: $555,000 HIGHEST AMOUNT: $6,200,000

MEDIAN AMOUNT: $625,000

AVERAGE AMOUNT: $1,754,600

1370 Cornell Drive - $625,000

08-19-22 [3 Bdrms - 1917 SqFt - 2015 YrBlt], Previous Sale: 07-24-19, $465,000

1520 Folsom Downs Circle - $815,000 08-16-22 [5 Bdrms - 3824 SqFt - 2003 YrBlt], Previous Sale: 12-06-11, $355,000

210 Heritage Lane - $578,000 08-16-22 [3 Bdrms - 1917 SqFt - 2015 YrBlt], Previous Sale: 04-11-16, $392,000

1125 Mosswood Lane - $555,000 08-15-22 [3 Bdrms - 1556 SqFt - 1978 YrBlt],

Previous Sale: 07-10-18, $435,000 7440 Rio Dixon Road - $6,200,000 08-15-22

FAIRFIELD

TOTAL SALES: 18

LOWEST AMOUNT: $260,000

HIGHEST AMOUNT: $795,000

MEDIAN AMOUNT: $502,500

AVERAGE AMOUNT: $506,083

1501 Adams Street - $287,500 08-17-22 [3 Bdrms - 863 SqFt - 1954 YrBlt],

Previous Sale: 03-29-22, $290,000

2124 Cambridge Drive - $385,000 08-17-22 [3 Bdrms - 948 SqFt - 1961 YrBlt],

Previous Sale: 01-20-22, $340,000

2828 Candleberry Way - $545,000 08-17-22 [3 Bdrms - 1286 SqFt - 1987 YrBlt],

Previous Sale: 01-12-11, $160,000

49 El Basset Court - $260,000

08-17-22 [2 Bdrms - 997 SqFt - 1971 YrBlt],

Previous Sale: 04-27-10, $45,000

1785 Fawn Glen Circle - $615,000

08-15-22 [3 Bdrms - 1311 SqFt - 1995 YrBlt],

Previous Sale: 06-22-15, $390,000

2152 Fieldcrest Avenue - $795,000

08-15-22 [4 Bdrms - 3156 SqFt - 1991 YrBlt],

Previous Sale: 00/1991, $324,000

365 Gardenia Circle - $440,000 08-15-22 [3 Bdrms - 1276 SqFt - 1969 YrBlt]

1707 Idaho Street - $435,000

08-19-22 [3 Bdrms - 1100 SqFt - 1974 YrBlt]

5006 Lynbrook Drive - $610,000 08-19-22 [3 Bdrms - 1592 SqFt - 1986 YrBlt],

Previous Sale: 12-15-09, $244,000

2277 Nottingham Drive - $450,000

08-15-22 [4 Bdrms - 1463 SqFt - 1971 YrBlt]

706 Otter Court - $650,000

08-18-22 [4 Bdrms - 2012 SqFt - 2002 YrBlt],

Previous Sale: 10-28-05, $550,000

205 East Pacific Avenue - $412,000

08-15-22 [3 Bdrms - 1280 SqFt - 1965 YrBlt]

617 Stonehenge Drive - $650,000

08-19-22 [4 Bdrms - 1804 SqFt - 1997 YrBlt],

Previous Sale: 08-19-15, $467,000

476 Tabor Avenue - $495,000

08-17-22 [4 Bdrms - 1893 SqFt - 1963 YrBlt],

Previous Sale: 10-19-05, $449,500

2915 North Texas Street #126$330,000

08-17-22 [2 Bdrms - 860 SqFt - 1985 YrBlt],

Previous Sale: 04-03-19, $272,000

4599 Turnstone Way - $710,000

08-15-22 [4 Bdrms - 2110 SqFt - 2005 YrBlt],

Previous Sale: 03-24-11, $369,000

28 Twin Creeks Drive - $530,000 08-19-22 [2 Bdrms - 1619 SqFt - 1978 YrBlt]

213 Utah Street - $510,000 08-16-22 [3 Bdrms - 1044 SqFt - 1951 YrBlt]

RIO VISTA

TOTAL SALES: 7

LOWEST AMOUNT: $420,000

HIGHEST AMOUNT: $569,000

MEDIAN AMOUNT: $480,000

AVERAGE AMOUNT: $485,071

527 Arlington Drive - $539,000

08-15-22 [2 Bdrms - 2031 SqFt - 2004 YrBlt], Previous Sale: 12-17-19, $440,000

728 Laurel Way - $480,000

08-17-22 [3 Bdrms - 1014 SqFt - 1951 YrBlt]

821 Laurel Way - $445,000 08-17-22 [3 Bdrms - 1180 SqFt - 1951 YrBlt],

Previous Sale: 01-12-11, $80,000

980 Linda Vista Way - $420,000 08-15-22 [3 Bdrms - 1040 SqFt - 1951 YrBlt],

Previous Sale: 04-28-98, $123,500

420 Pelican Place - $487,500

08-15-22 [2 Bdrms - 1478 SqFt - 2018 YrBlt],

Previous Sale: 06-04-18, $408,000

366 Silver Ridge Drive - $455,000

08-19-22 [2 Bdrms - 1579 SqFt - 2016 YrBlt],

Previous Sale: 12-08-16, $377,000

512 Vierra Street - $569,000

08-19-22 [4 Bdrms - 1617 SqFt - 1999 YrBlt],

Previous Sale: 10-31-17, $320,000

SUISUN CITY

TOTAL SALES: 3

LOWEST AMOUNT: $430,000

HIGHEST AMOUNT: $683,500

MEDIAN AMOUNT: $520,000

AVERAGE AMOUNT: $544,500

810 Greenhead Way - $520,000

08-17-22 [4 Bdrms - 1440 SqFt - 1976 YrBlt],

Previous Sale: 00/1990, $140,000

1725 Keesler Circle - $683,500 08-16-22 [3 Bdrms - 2691 SqFt - 2004 YrBlt],

Previous Sale: 10-15-04, $548,332

809 Whitney Avenue - $430,000 08-19-22 [3 Bdrms - 1327 SqFt - 1986 YrBlt]

VACAVILLE

TOTAL SALES: 24

LOWEST AMOUNT: $338,000

HIGHEST AMOUNT: $950,000

MEDIAN AMOUNT: $582,500

AVERAGE AMOUNT: $574,271

131 American Way - $585,000 08-15-22 [3 Bdrms - 1684 SqFt - 1987 YrBlt],

Previous Sale: 02-05-99, $146,000

230 Amherst Court - $580,000 08-19-22 [4 Bdrms - 1402 SqFt - 1975 YrBlt]

575 Bald Eagle Drive - $642,500 08-19-22 [4 Bdrms - 2126 SqFt - 1990 YrBlt],

Previous Sale: 04-29-14, $375,000

119 Bel Air Drive - $475,000 08-15-22 [3 Bdrms - 1428 SqFt - 1974 YrBlt],

Previous Sale: 05-10-12, $161,000

809 Calico Trail - $647,500 08-15-22 [3 Bdrms - 1951 SqFt - 1989 YrBlt],

Previous Sale: 02-28-17, $449,000

854 Cameron Court - $610,000 08-17-22 [3 Bdrms - 1778 SqFt - 1988 YrBlt],

Previous Sale: 08-14-98, $171,600

170 Chimney Rock Drive - $560,000 08-16-22 [3 Bdrms - 1607 SqFt - 2001 YrBlt],

Previous Sale: 04-20-17, $421,000

631 Colemanite Circle - $560,000 08-16-22 [3 Bdrms - 1615 SqFt - 1992 YrBlt],

Previous Sale: 01-26-12, $225,000

125 Del Rio Court #2 - $345,000 08-16-22 [2 Bdrms - 952 SqFt - 1971 YrBlt],

Previous Sale: 04-29-13, $104,500

736 Iris Drive - $700,000 08-15-22 [4 Bdrms - 2100 SqFt - 2019 YrBlt],

Previous Sale: 09-18-19, $505,000

101 Manzanita Drive - $338,000 08-18-22 [3 Bdrms - 1212 SqFt - 1967 YrBlt],

Previous Sale: 00/1990, $90,000

1273 Marshall Road - $465,000 08-19-22 [3 Bdrms - 960 SqFt - 1975 YrBlt],

Previous Sale: 06-02-15, $208,000

142 Monterey Drive - $368,000 08-19-22 [1 Bdrms - 728 SqFt - 1964 YrBlt],

Previous Sale: 11-29-18, $240,000

718 Oak Brook Drive - $640,000 08-17-22 [4 Bdrms - 1972 SqFt - 1990 YrBlt],

Previous Sale: 00/1990, $196,000

130 Plymouth Court - $570,000

These are the local homes sold recently, provided by California Resource of Lodi. The company can be reached at 209.365.6663 or CalResource@aol.com.

08-15-22 [3 Bdrms - 1664 SqFt - 1976 YrBlt]

401 Rosso Court - $506,500 08-16-22 [3 Bdrms - 1211 SqFt - 2007 YrBlt], Previous Sale: 03-27-19, $395,000

845 Sage Drive - $530,000 08-17-22 [3 Bdrms - 1689 SqFt - 1989 YrBlt], Previous Sale: 09-13-18, $425,000

425 Sawyer Drive - $611,000 08-19-22 [3 Bdrms - 1612 SqFt - 2016 YrBlt]

710 Tipperary Drive - $575,000 08-16-22 [3 Bdrms - 1268 SqFt - 1989 YrBlt], Previous Sale: 10-18-13, $315,000

921 Tipperary Drive - $645,000 08-18-22 [4 Bdrms - 2143 SqFt - 1995 YrBlt], Previous Sale: 09-08-17, $419,000

584 Topeka Lane - $950,000 08-19-22 [4 Bdrms - 4087 SqFt - 2002 YrBlt], Previous Sale: 07-17-02, $481,165

1124 Tulare Drive - $600,000 08-15-22 [3 Bdrms - 1604 SqFt - 1978 YrBlt], Previous Sale: 05-11-16, $380,000

1144 Villaggio Circle - $649,000 08-18-22 [4 Bdrms - 2190 SqFt - 2005 YrBlt], Previous Sale: 02-09-09, $309,500

179 Woodstock Circle - $630,000 08-16-22 [4 Bdrms - 1654 SqFt - 1987 YrBlt], Previous Sale: 05-21-19, $485,000

VALLEJO

TOTAL SALES: 34 LOWEST AMOUNT: $148,000 HIGHEST AMOUNT: $817,500

MEDIAN AMOUNT: $522,500 AVERAGE AMOUNT: $543,809

1455 North Camino Alto #330$225,000 08-15-22 [1 Bdrms - 706 SqFt - 1973 YrBlt], Previous Sale: 08-26-02, $91,000

602 Capitol Street - $730,000 08-17-22 [3 Bdrms - 2454 SqFt - 1898 YrBlt],

Previous Sale: 12-17-10, $246,000

370 Carousel Drive - $550,000 08-19-22 [4 Bdrms - 1693 SqFt - 1995 YrBlt], Previous Sale: 12-23-08, $195,455

6615 Deerfield Drive - $650,000 08-17-22 [4 Bdrms - 2609 SqFt - 2010 YrBlt],

Previous Sale: 03-01-07, $368,500

1336 Delwood Street - $465,000 08-18-22 [3 Bdrms - 1008 SqFt - 1955 YrBlt]

121 El Verano - $735,000 08-17-22 [3 Bdrms - 2053 SqFt - 1952 YrBlt],

Previous Sale: 05-22-17, $470,000

522 Falcon Drive - $525,000

08-19-22 [4 Bdrms - 1285 SqFt - 1966 YrBlt],

Previous Sale: 02-10-16, $240,000

508 Grennan Street - $449,000 08-18-22 [2 Bdrms - 1037 SqFt - 1950 YrBlt],

Previous Sale: 09-09-09, $80,500

268 Hawkins Street - $728,000 08-16-22 [4 Bdrms - 2301 SqFt - 1987 YrBlt],

Previous Sale: 00/1991, $219,000

605 Hilton Avenue - $515,000 08-19-22 [4 Bdrms - 1872 SqFt - 1942 YrBlt],

Previous Sale: 08-22-17, $362,000

514 Indiana Street - $399,500 08-15-22 [2 Bdrms - 2293 SqFt - 1949 YrBlt]

1189 Jack London Drive - $342,000 08-18-22 [4 Bdrms - 1232 SqFt - 1972 YrBlt]

1145 Kentucky Street - $545,000 08-16-22 [3 Bdrms - 1512 SqFt - 1923 YrBlt],

Previous Sale: 03-03-22, $525,000

475 Lighthouse Drive - $269,000 08-19-22 [1 Bdrms - 718 SqFt - 1988 YrBlt],

Previous Sale: 06-09-20, $185,000

1615 Magazine Street - $817,500 08-16-22 [2 Bdrms - 968 SqFt - 1928 YrBlt],

Previous Sale: 07-29-20, $715,000

151 Marquette Avenue - $507,500 08-16-22 [4 Bdrms - 1285 SqFt - 1966 YrBlt],

Previous Sale: 11-02-17, $370,000

108 Melba Drive - $480,000 08-16-22 [3 Bdrms - 946 SqFt - 1954 YrBlt]

232 Mountain View Avenue - $490,000 08-18-22 [2 Bdrms - 823 SqFt - 1941 YrBlt]

1264 Nebraska Street - $730,000 08-15-22 [3 Bdrms - 1837 SqFt - 1942 YrBlt],

Previous Sale: 07-10-19, $520,000

1427 Ohio Street - $630,000 08-15-22 [2 Bdrms - 1140 SqFt - 1938 YrBlt],

Previous Sale: 11-03-09, $145,000

213 Parkview Terrace - $640,000 08-19-22 [3 Bdrms - 1480 SqFt - 1972 YrBlt],

Previous Sale: 05-03-19, $440,000

3653 Rocky Shore Drive - $782,000 08-16-22 [5 Bdrms - 2763 SqFt - 2000 YrBlt],

Previous Sale: 10-08-12, $320,000

100 Rounds Street - $515,000 08-18-22 [4 Bdrms - 1212 SqFt - 1957 YrBlt],

Previous Sale: 03-22-22, $407,500

154 Scenic Way - $535,000 08-15-22 [2 Bdrms - 1155 SqFt - 1941 YrBlt], Previous Sale: 08-31-16, $350,000

110 Segovia Court - $729,000 08-19-22 [4 Bdrms - 2101 SqFt - 1978 YrBlt],

Previous Sale: 04-08-98, $196,000

1500 Severus Drive - $455,000 08-19-22 [4 Bdrms - 1556 SqFt - 1978 YrBlt]

817 Sheridan Street - $405,000 08-18-22 [2 Bdrms - 686 SqFt - 1930 YrBlt],

Previous Sale: 03-20-18, $220,000

1715 Sonoma Boulevard #210$148,000

08-17-22 [1 Bdrms - 375 SqFt - 1970 YrBlt],

Previous Sale: 02-17-16, $45,000

260 Sonoma Boulevard - $500,000 08-19-22 [2 Bdrms - 1738 SqFt - 2004 YrBlt],

Previous Sale: 01-19-16, $200,000

411 Stinson Street #7 - $520,000 08-15-22 [2 Bdrms - 1007 SqFt - 1989 YrBlt],

Previous Sale: 05-07-18, $372,500

148 Tellerday Court - $614,000 08-16-22 [4 Bdrms - 1732 SqFt - 1980 YrBlt],

Previous Sale: 02-08-17, $380,000

3272 Terrace Beach Drive - $775,000 08-18-22 [5 Bdrms - 2763 SqFt - 2001 YrBlt],

Previous Sale: 05-01-09, $395,000

501 Timbercove Street #8 - $390,000 08-15-22 [2 Bdrms - 947 SqFt - 1989 YrBlt],

Previous Sale: 11-30-98, $115,000

174 Westminster Way - $699,000 08-15-22 [4 Bdrms - 1861 SqFt - 1990 YrBlt],

Previous Sale: 10-18-99, $260,000

As I watched the numerous 9/11 memorials and the col lapse of the twin towers on TV, I was thinking about how important teamwork is in business, sports and family.

The Tom Brady-led Bucs team clobbered the Dallas Cowboys on Sept. 11. Do you think they could have accom plished this victory if the 11 players on defense refused to practice during the preseason with the 11 guys on offense because they didn’t like their political views?

As I watched the two towers fall and the 3,000 Americans die, I thought about the divided country today. Fifteen hundred Republicans and 1,500 Demo

crats perished Sept. 11, 2001, and the country united because they were Americans, and this happened on American soil. The first responders didn’t care what party the people belonged to as they climbed the stairs.

The American Dream will become a nightmare if we don’t come together as Americans and fight as a spirited team for our

5 Bed |4 Bath | 3,768 sqft | Lot 4.9 acres www.casabienvenidos.com

From the private entry gate, to the spectacular views, Casa Bienvenidos will not disappoint you. A beautiful southwestern adobe villa that has unique, custom, artistic touches in every space.

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Open House Sunday 1-3PM

2723 Marigold Drive, Fairfield

This beautiful 3bd, 2ba, 1300 sqft home boasts, newer roof, solar, new HVAC, updated kitchen, low maintenance backyard, and so much more. You will want to make this your new “home sweet home”. $535,000

Open House Saturday 1-3PM

3279 Congressional Circle, Fairfield

Nested in the gated community of Rancho Solano, and backing up to the 10th fair way, this 6bd, 5ba, 3-car garage home boasts 3948 sqft of beautiful living space on over a 1/4 lot with stunning views. Don’t miss this spectacular home. $1,425,000

Open House Sat & Sun 1-3PM

938 Beechwood Circle, Suisun City

Hidden Gem, Must see this Beautiful, Move in ready home with featured upgrades. Conveniently located to restaurants and shopping. Easy access to Highway 12. $535,000

Don’t Miss This One!

1536 Michigan Street, Fairfield

Updated 3 bd 2 ba with new interior paint, carpets & laminate flooring, new stainless appliances, painted cabinets & resurfaced counter tops. Home also has dual pane windows, tankless water heater, newer roof and new air condenser. $495,500 330-8400

Open House Saturday 12-3PM

147 Gardiner Way Rio Vista

Custom Craftsman Cottage, 1952, w/ detached carport, 70 ft driveway, workshop & studio/she shed, sunroom on a shy 1/4 acre lot. 3 bedroom, possibly 4, w/2 baths, laminate floors & white blinds. Space for your RV/boat etc. Solar. $525,000

Open House Sunday 1-3PM

938 Shadywood Circle, Suisun City

Estates of Suisun 4 bd/2.5 ba 1724 sqft home on circle with no neighbors. Formal Dining, Family & living room, 2 sided fireplace, 2 car garage. Large pantry cabinet wall in kitchen, Master bedroom has walk-in closet and vanity. Great home with lots of storage space. This is close to shopping and more. $555,000

OPEN HOUSE

Open House Sunday 11AM-1PM

101 Cedar Ridge Drive, Rio Vista

Beautiful 2bd/2ba-Trilogy senior community. Shows like a model home. Right on golf course (11th tee). Easy walk to club house & pool. Short drive to town or nearby cities. Non-HOA RV storage available. Washer, dryer & refrigerator included. $445,000

OPEN HOUSE

Don Preston & Associate DRE# 01277960 (707) 71 8-0360

OPEN HOUSE

Open House Saturday 1-3PM 3032 Muse Way, Fairfield

2020 Built 4/3. Separate living areas, formal dining area + addl. living/bonus rm upstairs! 1st floor bd/ba. Vaulted ceilings w/recessed lighting throughout. Kitchen w/granite, oversized sink, large pantr y, huge island w/storage & counter seating. $824,999

Patty Ash & REALTOR® DRE#01992355 (707) 410-9353

OPEN HOUSE

Open House Saturday 1-3PM

4831 Silver Creek Road, Fairfield

3bd/2ba. Simulated wood, tile & carpet. Kitchen w/granite counters, SS appliances. Newer dual pane windows. Private 8,071 oversized lot. Outdoor BBQ+.$588,888

Open House Fri 5-7PM & Sat 12-2PM

7396 Paddon Road, Vacaville

Great horse set-up! 3BR 2BA cottage w/ charming front porch on 2.5 acres. 3 stall barn w/wash station & fenced & gated riding arena + fenced pastures. $959,000

Renee Neuman & Associate REALTOR® DRE#01231287 (707) 249-2702

OPEN HOUSE

Donna Harmon & Associate DRE#01355120 (707) 301-3516

OPEN HOUSE

Open House Sunday 1-3PM

424 Mandarin Circle, Vacaville

Senior living at its BEST in beautiful Diamond Grove!!! 2bd/2ba + den, 1323sf. Gas fireplace between living room & dining area. Eat in kitchen. Large covered patio runs width of home. Easy care garden w/fruit trees & roses. Community pool. $529,000 Omar Hampton & Associate REALTOR® DRE#01242723 (707) 529-7545

Open House Sunday 12-3PM

842 Elderberry Loop, Vacaville

New price for this great property! 4BR plus office, 3.5BA main home with huge kitchen & 1BR 1BA apartment over the detached 3 car garage. $1 ,249,000

Paul Wittenmeier & DRE#02116500 (707)

Flame Proof, Perfect Score All Season, Leader of the Pack, and Top Performer are just a few of the award designations for Truffula Pink Gomphrena. It has now taken in 50 such tro phies. If your state has a flower trial competition, my guess is Truffula Pink has been a winner.

If you don’t know, Truf fula Pink it is a globe amaranth. It is almost always grown as an annual that reaches about 24 inches tall and almost as wide. You can’t give it too much sun. It might be perennial in zones 9 and warmer. I live in 8a and had a patch that was perennial for me for a couple of years. I’ll explain its demise.

I planted it in 2019, and it returned in 2020 and was awesome. I never realized I

planted it in conjunction with a chipmunk thoroughfare. In 2021 my granddog Alli, a 120pound Dutch Shepherd, came to live with me for a year. Her sole existence became to rid Grand Dad of the chipmunks. The Truffula Pink area became pulverized. Today the chip munks live happily and have found new joy in torturing Tootie theThisbichon.year in a way seemed like a second coming out party. It wasn’t with fanfare, but if you

had your eyes open, you proba bly muttered a “holy wow” once or twice. One such moment for me was at Mississippi State Uni versity’s industry day at the Truck Crops Branch Experi ment Station in Crystal Springs, Mississippi. It was a “why didn’t I think of that?” moment. Right out in the full scorching summer sun of central Mississippi was Truffula Pink gomphrena, stand ing so stately over this year’s hot new Augusta Lavender helio trope. The lavender blue and hot pink were a perfect partnership.

The “why didn’t I think of that?” moments kept occurring for me, thanks to son James. Before I could tell him “you can’t do that,” he was partnering

will come down. We don’t know if we’re entering a recession. We don’t know where we’ll land with interest rates when the dust

Lookingsettles.” ahead to the big picture, though, Fairweather predicts a more calm – and costeffective – future.

“Give it a year or two, and mortgage rates should be lower,” says Fairweather. “They might not return to 3%, but they should be lower than they are now,” adding that “Mortgage rates aren’t set in stone. Buyers can look at adjustable-rate mort gages, and they can refinance in the future to lock in lower rates.”

Tips to save for a home in the next few years

1. Pay down your debt

Your down payment saving strategy isn’t all about increas ing the amount of money you put in your bank account. It’s equally important to focus on decreas ing the amount of money you owe for other debts like credit cards, student loans and car payments. By lowering your debt-to-income (DTI) ratio, you’ll be in a better position to qualify for a mortgage down the line.

2. Make aggressive career choices

If you’re just getting estab lished in your career, now’s the time to build your earnings and savings for a future home pur chase. Figure out the right way to ask your employer for a raise, or be willing to look for other opportunities where you’ll be rewarded with a bigger paycheck. Sixty% of workers who switched jobs over the past year earned more money in their new roles, even accounting for the fast pace of inflation, according to a recent study from the Pew Research Center. Over the next few years, a wise career move can make a huge difference in your bank account.

“[Homebuyers] can improve their financial standing by leaps and bounds in that period of time,” says McBride. “They may buy a home for not much more than they would pay today, but their income could be 50% higher.”

3. Focus on your local market, not the headlines

As you think about budgeting for a house, it might be helpful to focus on housing market con ditions in the neighborhood where you’re looking to buy instead of the broader national trends that might be skewed by data in another time zone. Your down payment needs are going to look much different in Tusca loosa than they will in Tucson, for“Everyoneexample. should avoid aver ages and look at the specifics of their neighborhood,” says Steinberg. “How many homes are being built? How many homes are on the market, and at what price level and condition? Real estate markets are hyperlocalized, and generalities and averages are somewhat useless.”

4. Look for lower down payment loan options

While 20% is the ideal amount for a down payment to avoid paying more in interest and mortgage insurance, it’s not a requirement by any stretch, and it’s unrealistic for many to save that much cash. Con sider whether you’ll qualify for a low down payment program, even if it comes with mort gage“Theseinsurance.aredesigned to help first-time buyers,” says McBride. “While you have to pay mort gage insurance for a few years, the idea is to accumulate enough equity by the time you move up to your second home that you won’t have to pay private mort gage insurance.”

5. Keep closing costs in mind

The down payment isn’t the only piece of the homebuying puzzle you’ll need to solve for. You’ll also need to be ready to pay closing costs – lender fees, taxes, appraisal expenses, set tlement charges and more. These add up quickly. In 2021,

the average closing costs were $6,905, according to ClosingCorp.

Because you’ll be spend ing several thousand on closing costs, it’s imperative to stay in the home long enough to break even if you want to stay in the black.

“If you’re buying a home and selling it a year or two later, you’re not going to come out ahead,” says McBride. “Make sure you have a longer time horizon in mind.”

6. Think about the cost of living and where you could put down roots

The headlines about home prices might cause concern right now, but it’s important to remem ber that high-priced markets do play a large role in the data.

“Buyers can fight inflation on a personal level by moving some where more affordable,” says Fairweather. “If they have the flexibility to work remotely, they could start browsing other cities and states on Redfin to see how a lower cost of living can impact their lifestyles.”

Housing market and price predictions FAQ

When will the housing market crash?

Ask an expert if the housing market will crash, and you’ll likely hear about a “correction” instead. While home prices have climbed steeply for the past two years, there doesn’t appear to be a stomach-churning drop waiting on the other side. In fact, home prices have already begun level ing off in some places. Mortgage lenders also have much higher standards for borrowers than they did ahead of the crash in 2008, and there simply aren’t enough homes available today to meet demand. All of these signs, for now, point to a return to more balanced conditions, rather than a devastating market collapse.

What is the average cost of building a house?

The average cost to build a home is just over $282,000, according to HomeAdvisor, but volatile supply costs have made

predicting the cost of building a home especially challenging over the past two years. Keep in mind:

You’ll need to buy the land, too, and account for the time it’ll take to complete a house. The average house took 8.2 months to finish in 2021, according to the Census.

How do you determine how much your house is worth?

There are quite a few ways to estimate your home’s value. To get a rough idea, you can use a simple online estimator tool from real estate websites

such as Redfin, Zillow or RE/ MAX. For a better sense of your home’s value, however, it’s best to consult with a real estate agent or appraiser.

What is the average annual rate of inflation for the last 10 years?

The average rate of inflation over the past 10 years is 2.53%, according to the Labor Depart ment’s Consumer Price Index. In the past two years, though, infla tion has soared at a rate of 4.7% in 2021 and 8.6% so far in 2022.

Solano County Listings: Homes for sale

$479,000 1019 Parkgreen Dr Dixon 2 2 /0 1257 0.130 322063429 $479,900 1340 Blackberry Ct Dixon 4 2 /0 1969 0.07 322073001 $495,900 1320 Blackberry Ct Dixon 3 2 /0 1487 0.073 322062507 $519,700 710 Priddy Dr Dixon 3 1/1 1036 6969sf 322080176 $530,000 1000 West F Street Dixon 4 2 /0 1771 0.15 322071225 $565,000 160 Victoria Ct Dixon 4 2 /0 1688 0.132 322082941 $610,000 1235 Baylor Wy Dixon 4 3/0 2169 0.075 322074809 $633,000 1410 Cornell Dr Dixon 3 3/0 1,917 0.07 322085404 $650,000 1405 Bello Dr Dixon 4 2 /0 2,036 0.19 322084561 $749,000 705 Wiegand Way Dixon 4 2 /0 1,850 0.23 322055685 $4,500,000 6156 Clark Rd Dixon 4 4 /0 5906 78.98 322047718 $367,000 225 Pennsylvania Ave #42 Fairfield 3 2 /0 1084 0.026 322065570 $439,950 56 Del Prado Cir Fairfield 3 2 /1 1234 0.038 322081681 $490,000 1655 Hemlock St Fairfield 3 2 /0 1,274 0.16 322082879 $519,000 305 Gardenia Cir Fairfield 4 2 /0 1440 0.15 322077544 $524,500 175 Santa Barbara Way Fairfield 3 2 /0 1,213 0.14 322079516 $534,000 8 49 Finch Wy Fairfield 3 2 /0 1300 0.13 322053377 $535,000 2901 Gulf Dr Fairfield 3 2 /0 1799 8276sf 322084278 $535,000 618 E Colorado St Fairfield 4 2 /0 1261 0.13 322081431 $539,900 178 Santa Barbara Way Fairfield 3 2 /0 1,335 0.14 322079600 $549,000 1180 Dana Dr Fairfield 5 2 /0 1,650 0.16 322070975 $565,000 8 32 Tulare Circle Fairfield 4 2 /1 1934 6006 322080552 $588,888 4 831 Silver Creek Rd Fairfield 3 2 /0 1082 0.185 322077342 $589,000 2737 Almondwood Wy Fairfield 4 2 /1 1512 0.08 322080695 $599,000 2759 Parkview Terrace Fairfiled 3 2 /0 1,332 0.16 322072682 $635,000 1084 Mission Cir Fairfield 3 2 /0 1305 0.114 322082699 $650,000 2018 Windsor Pl Fairfield 3 2 /1 1862 0.26 322078194 $665,000 4756 Canyon Hills Dr Fairfield 4 3/0 1,816 0.12 322076136 $675,000 3116 Clydesdale W Fairfield 4 2 /1 2253 8 302 322044501 $725,000 3422 Glen Ellen Dr Fairfield 4 3/0 3287 0.229 322029030 $799,999 5224 Tuscany Drive Fairfield 3 3/0 2,308 0.12 322067123 $824,999 3032 Muse Wy Fairfield 4 3/0 2841 0.135 322078149 $975,000 417 Knoll Dr Fairfield 4 2 /1 2803 0.257 322070191 $1,525,000 1106 Skywest Ct Fairfield 5 3/0 3414 0.804 322068078 $1,687,000 5270 Oakridge Drive Fairfield 4 3/0 4,034 0.3 332069250 $2,300,000 853 Bridle Ridge Dr Fairfield 4 6/0 3,937 0.97 322075479 $2,350,000 1604 Amaral Ct Fairfield 3 2 /0 2,319 2.5 322074329 $445,000 101 Cedar Ridge Dr Rio Vista 2 2 /0 1671 0.129 322064595 $495,000 706 Chula Vista Wy Suisun City 3 2 /0 1424 0.174 322074705 $535,000 635 Klamath Wy Suisun City 3 2 /0 1492 0.14 322079444 $550,000 411 Avalon Wy Suisun City 3 2 /0 2152 0.23 322067943 $575,000 1381 Potrero Cir Suisun City 3 2 /0 1564 0.159 322080723 $580,000 502 Floyd Ct Suisun City 3 2 /1 1492 0.092 322071753 $670,000 330 Engell Ct Suisun City 3 2 /1 2206 0.160 322070250 $699,997 429 Dobbins Ct Suisun City 5 3/0 2,338 0.14 322079187

$249,999 1801 Marshall Rd #903 Vacaville 1 1/0 714 0.017 322068424

$419,900 1324 Marshall Rd Vacaville 3 1/0 960 0.14 322083543

$439,000 101 Isle Royale Cir Vacaville 2 2 /0 1152 0.15 322080839 $469,000 105 Rainier Cir Vacaville 2 2 /0 1152 0.13 322078018

$475,000 207 Citrus Avenue Vacaville 3 2 /0 1160 0.12 322078904

$477,000 112 Manzanita Dr Vacaville 3 2 /0 1472 0.12 322075477

$480,000 125 Christine Dr Vacaville 3 2 /0 1,062 0.11 322080818

$499,500 207 Madrone St Vacaville 3 2 /0 1286 0.11 322040262

$529,000 424 Mandarin Cir Vacaville 2 2 /0 1323 1163 322066345

$539,900 112 Persimmon Cir Vacaville 3 3/0 1,557 0.13 322074980

$547,900 407 Deodara St Vacaville 3 2 /0 1168 0.13 322059937

$549,000 686 Mashall Rd Vacaville 3 2 /0 1402 0.18 322059279

$567,500 801 S Orchard Ave Vacaville 3 2 /0 1230 0.12 322073187

$570,000 4 84 Manchester Wy Vacaville 3 2 /0 1602 0.13 322083162

$585,000 8 39 Morissette Way Vacaville 3 2 /0 1,249 0.14 322070474

$590,000 107 Colony Way Vacaville 4 3/0 1,887 0.07 322068608

$590,000 250 Harvest Dr Vacaville 3 2 /0 1614 0.138 322066995

$594,999 116 American Wy Vacaville 3 2 /1 1734 3404sf 322084469

$599,000 567 Morningstar Ct Vacaville 3 2 /0 2066 0.177 322064378

$599,999 296 Plantation Way Vacaville 4 2 /1 1840 0.13 322062209

$610,000 542 Twilight St Vacaville 3 2 /0 1,484 0.10 322073176

$612,000 773 Calico Trl Vacaville 3 2 /0 1633 0.152 322078867

$615,000 718 Scottsdale Dr Vacaville 4 2 /0 1489 9147sf 322078575

$619,900 219 Larkspur Dr Vacaville 3 2 /1 2040 0.138 322073197 $625,000 667 Laurelwood Cir Vacaville 3 2 /0 1,750 0.14 322080908 $649,900 784 Calico Trl Vacaville 3 3/0 1,951 0.15 322072800 $650,000 148 Monte Verde Dr Vacaville 5 2 /1 2196 0.43 322080601 $650,000 272 San Leon Dr Vacaville 4 3/0 1,843 0.15 322084746 $675,000 263 Bantry Dr Vacaville 4 2 /1 2143 0.184 322086137 $689,000 330 Woodside Circle Vacaville 4 2 /1 2048 0.18 322080336 $699,755 660 Dahlia Dr Vacaville 4 3/0 2014 0.083 322071973 $699,950 112 Salinas Dr Vacaville 3 2 /0 1567 0.19 322075118 $769,999 8 48 Daffodil Dr Vacaville 3 3/0 2,429 0.13 322061022 $770,000 901 Cedarcrest Dr Vacaville 5 3/0 3014 0.207 322061115 $775,000 590 Boone Drive Vacaville 4 2 /1 2457 0.14 322082850 $775,000 754 Arabian Cir Vacaville 3 2 /0 2,066 0.26 322067856 $785,000 200 Ginger St Vacaville 4 3/0 2482 0.135 322085207 $790,000 8024 Claret Court Vacaville 4 3/1 2941 0.16 322074811 $839,000 606 Hillcrest Cir Vacaville 4 2 /0 2202 0.233 322054244 $879,000 4 30 Longwood Pl Vacaville 4 2 /1 2188 0.239 322077183 $950,000 155 Foothill Dr Vacaville 3 3/0 1,919 0.60 322068886 $959,000 7396 Paddon Rd Vacaville 3 2 /0 1500 2.43 322071057 $1,275,000 8 42 Elderberry Loop Vacaville 5 4 /1 4058 0.295 322043728 $375,000 614 Tennessee St Vallejo 2 1/0 8 37 0.105 322082419 $595,000 1543 Granada Street Vallejo 3 2 /0 1350 6534 322072731 $595,000 184 Smokey Hills Dr Vallejo 3 2 /0 1532 10890sf 322084742 $595,000 745 Rollingwood Dr Vallejo 3 2 /0 1,100 0.13 322074991 $615,000 118 Fairmont Ave Vallejo 4 3/0 2,107 0.16 322069781 $625,000 815 Valle Vista Ave Vallejo 3 2 /0 1,829 0.13 322068195 $1,180,000 3024 Overlook Dr Vallejo 4 3/0 3,368 0.25 322071681 $659,900 3931 Central Ln Winters 3 2 /0 1782 5.52 322032322 $875,000 8 457 Plesants Valley Rd Winters 2 1/0 22.16 321006700

LOTS & LAND

PRICE A DDRESS CITY LOT/AC SUB TYPE MLS # $500,000 Near Travis Air Force Base Fairfield 33.44 AGRI 322085364 $699,000 Liberty Ln Vacaville 25.01 AGRI 322061524 $950,000 Liberty Ln Vacaville 29.9 AGRI 322061700 $2,300,000 5663 Dally Rd Vacaville 76.09 AGRI 322070665 $4,500,000 6156 Clark Rd Dixon 78.98 AGRI 322049465 $500,000 360 Butcher Rd Vacaville 1.10 COMM 321098151 $1,250,000 8 362 Auction Ln Dixon 2.16 COMM 322014651 $1,870,000 2300-11 E Monte Vista Ave Vacaville 3.66 COMM 321102156 $265,000 2060 Pinecrest Ct Vacaville 1.15 RESA 322048328 $359,950 Gibson Canyon Vacaville 1.55 RESA 22029146 $399,500 3757 Wild Oak Trl Vacaville 4.96 RESA 322061715 $549,000 County Rd Crockett 1.06 RESA 321089387 $549,000 3745 Wild Oak Trl Vacaville 5 RESA 322061705 $875,000 Oakridge and Lopes Rd Benicia 20 RESA 322061922 $875,000 8 457 Plesants Valley Rd Winters 22.16 RESA 321000406 $15,000,000 Mankas Fairfield RESA 21825708 $498,000 English Hills Rd Vacaville 2.5 RESL 322065164

MOBILE/FLOATING

PRICE ADDRESS CITY BEDS BA(F/H) SQ. FT. MLS # $135,000 119 Goya Dr Fairfield 2 1/0 720 322076794 $205,000 118 Goya Dr Fairfield 3 2 /0 1488 322081268 $187,000 10 Del Rey Ct Vacaville 2 1 1000 322065331 $75,000 2500 Springs Rd #252 Vallejo 1 1/0 360 322065332

MULTI UNIT 2-4

PRICE ADDRESS CITY UNITS BLDGS SQ. FT. MLS # $735,900 549-551 Pacific Avenue Fairfield 2 1 2479 321043438

PRICE

From Page 5

children and our grandchildren. The gov ernment and the media don’t seem to care about the destruction of the middle class or the 12 million children in America living in poverty today. It’s up to us.

The American Dream of homeown ership and financial happiness for our kids is doomed if we keep printing money because these young people will be the ones who have to pay it back.

Over the past 50 years, the average household income has only risen 18% while housing has increased 175% and

college tuition 260%. In 1972, our national debt was $427 billion and we had a 34% debt to GDP ratio. Today, it’s more than $31 trillion and a debt to GDP ratio over 120%. Inflation and another energy crisis that might make the one we saw during the late 1970s look tiny, will require a unified America to overcome.

Jim Porter, NMLS No. 276412, is the branch manager of Solano Mortgage, NMLS No. 1515497, a division of Ameri can Pacific Mortgage Corporation, NMLS No. 1850, licensed in California by the Department of Financial Protection and Innovation under the CRMLA / Equal Housing Opportunity. Jim can be reached at 707-449-4777.

Winter

COURTESY OF MISSISSIPPI STATE UNIVERSITY/TNS

Truffula Pink gomphrena and Augusta Lavender heliotrope perform as award winners at Mississippi State University’s Truck Crops Branch Experiment Station in Crystal Springs, MS.

Truffula Pink with Mangaves like Thunderbird and Silver Fox. If you aren’t familiar with Mangaves, they are hybrids between manfreda and agave. These come with a WARNING: If you start, you will not be able to stop. Just Google “Mad About Mangave” and enter at your own risk.

So, let’s visit the idea: Can

From Page Winter, Page 12

From Page 11

you plant Truffula Pink with a plant that looks like it belongs in a Mexico desert? Sure, add some zinnias and angelonias or summer snap dragons and it will look like Sunday tea at Miss Betsy’s house. Any design you have in mind, Truffula Pink will make it better.

I would like to think I broke the mold a little. It

wasn’t pushing the envelope by planting with Mangave, but I used them in a prai rie-like look with the new Meant to Bee Royal Rasp berry and Queen Nectarine agastache and Pyroma nia Blaze kniphofia or torch lily, and Rockin’ Playin’ the Blues salvia. I was mesmer ized by the planting, and just like every other year, Truffula Pink has been a butterfly champion, bring ing in buckeyes, American ladies and an assortment of swallowtails. The Garden

Guy makes this promise: Truffula Pink will be among the most enjoyable flowers you will ever grow, whether it is an annual or perennial.

Norman Winter, horticul turist, garden speaker and author of “Tough-as-Nails Flowers for the South” and “Captivating Combina tions: Color and Style in the Garden.” Follow him on Facebook companiesplantsreceivesWinterTheGardenGuy.@NormanHecomplimentarytoreviewfromthehecovers.