10 Things Making Your Kitchen Feel Way Messier Than It Is

 
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Wondering what could be cluttering up your counters?

Here’s what real estate agents have to say about common clutter and design choices that get in the way of a neat-looking, sellable kitchen.

Photos and art on the fridge

Sticking your favorite photos (and your kids’ artwork) on the fridge is a great way to commemorate memories and make your kitchen feel more personal. But using your refrigerator as a display is bound to make your kitchen messier than it actually is, according to Tal Shelef, a real estate agent in Ontario. Instead, opt to display pictures on a gallery wall in another room or keep them in a photo album. While you’re at it, tuck the magnet collection away, too—or invest in a bulletin board with a magnetic section for your home office. 

Poor lighting 

Dim lighting doesn’t just make your space feel darker; according to Wisconsin-based realtor Alex Young, it can also make everything in your kitchen feel dirtier and more cluttered. He recommends brightening up with cool LED lighting, and always making sure every light fixture has the same color light bulb.

Grease and grime

Grease and grime can easily build up in any kitchen, especially, Young says, if your hood vents don’t vent outside the home, but back into the kitchen. Make an effort to cut through the layers of grease on your cooktops and cabinets once a week or so to prevent worse buildup down the road. “Just be sure not to clean so hard that any finishes are wiped off with the dirt,” he says.

Appliances on the counters

One of the most common clutter culprits, according to Connecticut-based agent Yashmin Lloyds, is a collection of small kitchen appliances, from coffee makers to stand mixers and blenders. While these items might make your kitchen more functional, they prevent potential buyers from noticing other elements of your kitchen, like your countertops, cabinets, and hardware. So keep anything you don’t use daily in a separate storage space, with one exception: Lloyds says a bright-colored mixer or toaster can be a playful and fun touch for staging, but remember, less is more.

Clutter on the floor

Be just as aware of your floor space as you are your counters and storage areas. Pet bowls, garbage cans, and recycling bins in addition to appliances can quickly start to crowd your walking areas, says Deb Tomaro, a real estate agent in Indiana. The same is true for island or breakfast nook seating if you don’t push your stools or chairs in. 

Mismatched tile, floors, or appliances

It’s not always realistic to design a totally cohesive kitchen, but try to be consistent in each category. For example, Tomaro says mismatched tiles, appliances, or flooring types in a kitchen can make it feel a whole lot messier than it actually is. “I toured a home where the countertop was a pretty granite but the backsplash was an entirely different tile with a rough finish,” she says. “Individually, they were nice choices, but together, it was too many textures and made the space feel cluttered.”

Cooking ingredients left on the counter

Salt, pepper, and cooking oil left next to the stove make for convenient food prep, but Florida-based realtor Marcia Socas says they only add clutter to the space. “The oils and spices we use are rarely picture perfect, and while it’s convenient to have them handy, those bottles and jars look messy and oily to those may be viewing the kitchen,” she says. Instead of keeping them on your counter, find a creative, accessible spot to store them, like in a cabinet or drawer adjacent to your stovetop.

Soap bottles and brushes

Leaving your dish- and hand-washing tools on display is a great way to make your sink area appear cluttered, says Kimberly Mann, a realtor in Wisconsin. Plus, soap can leave pesky rings on your sink or countertop, and moisture accumulation beneath the bottles can even cause rot behind a sink area. Mann recommends storing soap and scrub brushes under the sink, which balances convenience. and neatness.

Cookbooks and recipes

Your kitchen isn’t the place to put cookbooks or recipes on display, either. “Make sure those loved and worn books and papers with the tomato stains and grease on them are packed away in a tote and put in a closet,” she says. “That way, it’s easy to get to them when you’re moving and safe from someone accidentally picking up grandma’s secret cookie recipe instead of the MLS sheet they intended.”

A tangled web of cords

When you work with a lot of little gadgets or appliances, cords can get a bit out of hand and clutter up your space—even if they’re not in the way. “When putting things away isn’t an option, investing in some sort of cord organization tools can help reduce visual clutter,” says Justin Havre, an agent in Calgary. “Things like cable sleeves that run across the back of your counters can be an elegant solution.”

For more kitchen tips, visit Apartment Therapy.

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The 5 Best Places for Dog Lovers

 
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When your best friend has a proclivity for walks and squirrel-chasing, where you live matters.

For dog owners, good weather and room to play are essential to help keep the doggy zoomies at bay. But it can’t just be paradise in the middle of nowhere — it’s also important to have a sufficient number of pet stores, kennels, and veterinarians nearby to ensure care doesn’t get too complicated or expensive. And through it all, families need to address their human needs: a safe neighborhood, with good jobs and schools nearby.

To find these places, Money used our Best Places to Live data and analyzed 183,000 data points across nearly two thousand cities in the U.S., focusing on things like pet care facilities and parks within the city’s boundaries, the percent of people who live near those parks, and good weather. (You can check out the full methodology down below.)

Believe it or not, these places do exist! And they don’t need to cost you your life savings. Here are the 10 most cost-effective places to live if your family has a dog — and your dog is family.

1. Wheat Ridge, Colorado

Median Home Price: $446,000
Avg. High in July: 87° F
Avg. Low in January: 14° F
Number of pet care services: 67
Percent of residents living within a 10-minute walk of a park: 85%

A quaint suburb in Colorado, Wheat Ridge is home to 32,000 residents and some very merry dogs.

The city shares a border with Denver — a capital city that’s so dog-friendly, it’s home to more dogs than children. A $10 Uber ride from Wheat Ridge brings you to over 300 dog-friendly hotels and restaurants in Denver, as noted on pet travel site, BringFido.

Back home in Wheat Ridge, dogs enjoy sizable yards thanks to ranch-style homes spread far apart, while their humans have access to 65 veterinarians, trainers, groomers, and kennels, all within a 9.5 square-mile area. That comes out to more pet care services per household than any other city on our list.

There’s also plenty of opportunity for dogs to socialize at Fruitdale Park, where dogs can run around off-leash in a two-acre fenced in grassy area. Most of the parks in the city are connected by the Wheat Ridge Greenbelt: a section of the 20-mile Clear Creek Trail, which runs from the foot of the Rockies to just north of Denver. It’s open to dogs, as well as hikers and bikers.

A majority of adults here live a fairly healthy lifestyle, which is just as good for dogs as it is for their humans. Like much of Colorado, Wheat Ridge does get cold, with an average low of 14 degrees in January. But with only 18 inches of rain a year and minimal humidity in the summers, going outside won’t be insufferable for your furry four-legged friend.

2. Downers Grove, Illinois

Median Home Price: $289,000
Avg. High in July: 87° F
Avg. Low in January: 14° F
Percent of residents living within a 10-minute walk of a park: 85%
Number of pet care services: 50

If you and your pooch are looking for an affordable home in the suburbs of Chicago, search no further. Homes in Downers Grove, IL sold for a median $289,000 between January and March of 2020. And it’s certainly not for a lack of running ground.

During the day, you and your dog can take advantage of nearly 1,200 parks within 15 miles of the city’s boundaries, for a total of 2,800 square miles of parkland — more than any other city on our list. It has 50 pet care services, including Happy Dog Barkery on Main Street, where the dog-loving owners sell handmade natural treats, pet foods, and dog gifts. They deliver, but your dog can also join you in-store, where she might even be greeted by one of the adoptable dogs being fostered by the shop’s owners.

To recharge, head down the street to Ballydoyle Irish Pub & Restaurant or a little further up north to Brick House, and eat and drink with your dog in tow, thanks to patios and staff that welcome your four-legged friend with open arms and water bowls. A thirty-minute drive northeast gets you to the heart of Chicago, where your dog can enjoy more restaurants, tens of dog parks, and even get some retail therapy. At The Shops at North Bridge, dogs aren’t just welcome, they’re treated right: “Pet Comfort Stations” on the first and second floor offer waste bags, treats, and fresh water.

3. Rockville, Maryland

Median Home Price: $502,000
Avg. High in July: 85° F
Avg. Low in January: 24° F
Number of pet care services: 44
Percent of residents living within a 10-minute walk of a park: 94%

Compared to some of our other dog-forward places, Rockville is a fairly big and wealthy city, home to 67,000 residents with a median household income of about $90,000. It’s also a dog’s dream come true, since she almost never has to leave your side.

About 90% of Rockville’s population lives in an area considered to have above average walkability when compared to the rest of the cities Money analyzed. The Carl Henn Millennium Trail — a dog-friendly paved walkway that makes a 10.7-mile loop around the city — probably helps with that. A wide variety of restaurants, ranging from barbecue to Spanish tapas, allow dogs on their premises, according to Yelp. And a whopping 94% of the population has to walk 10 minutes or less to get to a park.

It’s also easy to escape the city and enjoy the great outdoors, given Rockville sits within 15 miles of over 30 state and national parks. One of the closest is the 6,300-acre Seneca State Park: It’s 15 minutes away from the city by car and costs $3 a person if you’re a Maryland resident (or $5 if you’re from out-of-state). Your dogs can join you on 50 miles of hiking trails or splash around to their heart’s content in some of Seneca Creek State Park’s swimming holes.

4. Helena, Montana

Median Home Price: $149,000
Avg. High in July: 83° F
Avg. Low in January: 10° F
Number of pet care services: 56
Percent of residents living within a 10-minute walk of a park: 88%

As the state capital of Big Sky Country, Helena has the wide open spaces that dogs love and the amenities you’ll need, all at an affordable cost.

The city has 56 veterinarians, groomers, kennels, and trainers serving over 30,000 residents — that’s second only to our number one place in terms of amenities per household. Montana also has a 0% sales tax rate, which only makes buying those extra treats and toys extra satisfying. And in the first quarter of 2020, the homes here sold for a median $149,000, which is well below the national median ($266,000).

The average commute time, meanwhile, is only about 14 minutes, which means residents have plenty of time to spend with their four-legged friends outside of work hours and errands.

And there’s no shortage of activities to do with them.

Dogs are welcome in many of Montana’s state parks, and can enjoy most of the restaurants, breweries, and cafes with outdoor areas. After a burger and a beer downtown, you can take your dog to Paw Park, where there are benches, a separate area for big and small dogs, and a total of two acres to run around off-leash. It’s also surrounded by trails for some quality one-on-one time.

5. Tigard, Oregon

Median Home Price: $441,000
Avg. High in July: 79° F
Avg. Low in January: 34° F
Number of pet care services: 63
Percent of residents living within a 10-minute walk of a park: 70%

Where else can you find a craft beer tasting room attached to a room of adoptable dogs?

Tigard is a suburb of Portland and an outdoorsy Oregon town through and through. It has 16 miles of paved trails and 550 acres of park and open spaces. Most of the parks are open to dogs as long as they’re on a leash, but Tigard also has three off-leash dog parks: Summerlake within Summerlake City Park, Ash Avenue, and (the largest) Potso.

At Fido’s Tap House, you’ll be greeted by a sign that reads, “Eat. Drink. Adopt!” Enjoy 40 rotating craft beers, wines, and ciders or grab a pizza for $12 to $18 — and then hop into the next room to play with rescue pups just waiting to be adopted. Five minutes away, in downtown Tigard, the streets are walkable and filled with even more dog-friendly restaurants and venues, like Max’s Fanno Creek Brew Pub.

Homes here sold for a median $441,000 in the first quarter of 2020, but a 0% state sales tax rate certainly helps with the daily expenses.

For five more of the most dog-friendly cities in the US, visit Money.com

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Mortgage rates level off one week after sinking to another record low

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The 30-year fixed-rate average held steady at 2.71 percent. It hasn't been above 3 percent since July.

A week after mortgage rates swooned to a historic low for the 14th time this year, they paused to catch their breath. (Hannah Agosta for The Washington Post)

According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average was unchanged at 2.71 percent with an average 0.7 point. (Points are fees paid to a lender equal to 1 percent of the loan amount and are in addition to the interest rate.) It was 3.73 percent a year ago.

Freddie Mac, the federally chartered mortgage investor, aggregates rates from around 80 lenders across the country to come up with weekly national average mortgage rates. It uses rates for high-quality borrowers with strong credit scores and large down payments. These rates are not available to every borrower.

Because the survey is based on home purchase mortgages, rates for refinances may be different. This is especially true since the price adjustment for refinance transactions went into effect earlier this month. The adjustment is 0.5 percent of the loan amount (e.g., it is $1,500 on a $300,000 loan) and applies to all Fannie Mae and Freddie Mac refinances.

The 15-year fixed-rate average also held steady at 2.26 percent with an average 0.6 point. It was 3.19 percent a year ago. The five-year adjustable rate average slid to 2.79 percent with an average 0.3 point. It was 2.86 percent a week ago and 3.36 percent a year ago.

“Mortgage rates remain at record lows, resisting their typical correlation to Treasury yields, which have recently been moving higher,” Sam Khater, Freddie Mac’s chief economist, said in a statement. “Mortgage spreads — the difference between mortgage rates and the 10-year Treasury rate — are declining from their elevated levels earlier this year. Although today’s mortgage spread is about 1.8 percent and still has some room to move down if the 10-year Treasury continues to rise, it’s encouraging to see that the spread is almost back to normal levels.”

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What is the Future of Remote Work? It's Unclear, according to NAR

NAR's Chief Economist and other experts share their housing market predictions for 2021

Since the pandemic caused many employers to shift employees to remote work – some indefinitely – homeowners have left cramped spaces in large cities and retreated to more suburban and rural areas with bigger homes at a lower cost. (Housing Wire)

At the National Association of Realtors Real Estate Forecast Summit on Thursday, NAR’S Chief Economist Lawrence Yun explained that although many are working remotely now, he doesn’t expect that change to be permanent.

Yun unveiled the consensus forecast from NAR Thursday during the summit, in which a group of experts said 21% of workers are working from home now. That’s based on employees who are working from home 100% of the time, Yun said. By 2021, that number will decrease to 18%, then continue to decrease in 2022 to 12%.

“I think the flexible schedule, two days a week, three days a week, come into the office, that is unknown, we will see how everything plays out,” Yun said. “[In 2019] only 6% worked from home.”

After spring home-buying season was paused in March due to the pandemic, pent-up demand mixed with the work-from-home lifestyle drove real estate sales through the rest of the year.

In October, homebuyer traffic increased 32% year over year, while pending contracts increased 20% year over year. Yun added that the winter months could be some of the best for home sales.

“…When the pandemic began, [there was a] tremendous amount of uncertainty, a large scare, knowing that we encountered the foreclosure crisis 10 years ago,” Yun said. “So what was going to happen with so many people losing jobs? And to our surprise, the housing market not only recovered and then some, roaring past the pre-pandemic activity levels.”

The forecast also predicts that housing starts will slowly tick up as the new year approaches. This year, housing starts were at 1.53 million, but the forecast posits that 2021 will see a slight dip to 1.5 million and rebound in 2022 with 1.59 million housing starts.

Annual median home prices are expected to increase by 8% in 2021, then by 2022 will increase by 5.5%. Mortgage rates are expected to increase too – the average annual 30-year fixed mortgage rates will be 3% and 3.25% for 2021 and 2022, respectively.

NAR said the following markets, which showed resilience during COVID-19, are expected to thrive in a post-pandemic 2021 and 2022:

  • Atlanta-Sandy Springs-Alpharetta, Georgia

  • Boise City, Idaho

  • Charleston-North Charleston, South Carolina

  • Dallas-Fort Worth-Arlington, Texas

  • Des Moines-West Des Moines, Iowa

  • Indianapolis-Carmel-Anderson, Indiana

  • Madison, Wisconsin

  • Phoenix-Mesa-Chandler, Arizona

  • Provo-Orem, Utah

  • Spokane-Spokane Valley, Washington

In addition, the group of experts predicted that the annual unemployment rate will be at 6.2% next year and will decline to 5% in 2022. Yun said that unemployment is making much better progress than what many economists anticipated earlier this year.

“Thankfully, at least the unemployment rate is going down, but compared to the pre-pandemic levels, it is not acceptable,” Yun said. “We still have large work to do regarding the broader economy”


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5 Things You Should Be Doing Now If You Want to Be a Homeowner in 2021

 
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So, you’ve got your heart set on becoming a homeowner in 2021? Buying your own house to hunker down in is a worthy goal: interest rates are at record lows.

Beyond the obvious—brushing up your credit score, squirreling away for a down payment, hearting properties on Zillow—what can you realistically be doing right now to prepare yourself for buying a home next year?

Real estate experts weighed in, and here’s their best advice for budding homeowners. 

Shop for lenders

The good news: Yes, interest rates are low. But the not-so-good news? Loans are tougher to get as banks are tightening their standards, says Linda Bell, a personal finance expert with NerdWallet. This is to be expected in economic downturns, but the coronavirus pandemic is making it harder  for banks to get a good read on borrowers’ financial pictures, thanks to furloughs, agreements with other creditors to put bills on hold, and more.

If you’re getting close to launching your home search, and you want to increase your chances of getting approved, it makes sense to shop around with various lenders, Bell says.

Check in with your credit score weekly 

In the past, you were entitled to a free credit report from the three credit bureaus (Experian, Equifax, and TransUnion) once a year. But Bell tipped us off to something interesting: You can now get your credit report on a weekly basis for free. With so many people feeling anxious about their financial health, the national credit reporting agencies are giving people weekly access to monitor their credit reports until May 2021. 

“If you need to improve your credit profile, make sure you are paying your bills on time and keeping your credit balances low,” Bell says.

Deposit any financial gifts ASAP

Twelve percent of homebuyers (and 28 percent of buyers under age 28) shore up their down payment with a financial gift from friends or family, according to a report from the National Association of Realtors. But there are a lot of rules surrounding gift money used for a down payment because lenders want to make sure the money is, in actuality, a gift and not an additional loan that will overextend borrowers. 

“If you’re fortunate enough that your family is helping with the down payment, get that gift now and deposit it,” says Payman Emamian, a Compass real estate agent in Los Angeles. “It will make things easier down the line as it will help you avoid more questions about the gift.” 

Lenders want the money to be received before proceeding with the loan and will request a “gift letter” from the friend or family member that states how much they’re giving, where the money is coming from, and that they don’t expect to be paid back. 

Crunch your numbers on a mortgage calculator 

Review your budget and determine what you are comfortable spending on a home, says Bryan Lima, a mortgage loan originator in Georgia. Once you factor in things like HOA dues, taxes, and an emergency repair fund, you very well could find that what you’re comfortable spending on a mortgage is less than what you’ll be approved for.

A mortgage calculator is a good starting point for this exercise, but as you move along in your home-buying journey, you’ll want to consult a mortgage broker or lender to help review your income, assets and liabilities and look over your credit report, Lima says. You can start gathering up documents that lenders will want, including tax returns and financial statements, but be prepared to continue rounding up the most up-to-date financial information as you get closer to actually buying. 

Research loan programs and first-time buyer grants 

Your lender should be able to help you find loan programs that suit your buying needs. But doing some preliminary research makes you a savvy buyer. 

If you’re a first-time buyer, you may qualify for down payment and closing cost assistance, or even special loan programs with lower interest rates. NerdWallet has a resource that breaks down first-time homebuyer programs by state.

As you look at loans, consider a rehab loan, suggests David Parsons, a broker and owner of RE/MAX North Professionals in Burlington, Vt. 

“Many lenders are now offering competitive rehab loans which allow you to borrow enough to purchase a home that needs some work and roll into a conventional loan once the work is complete,” Parsons says. “This may allow you to find a ‘diamond in the rough’ that others have overlooked and give you an opportunity to make it your own.”

For more tips like these, visit Apartment Therapy.

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