Central Coast Home & Real Estate
Thanksgiving Prep Tips
1. Leave Cooking and Cleaning Behind These days, many people opt to go out for Thanksgiving, instead of cooking and cleaning at home. If you’re an extremely busy person, this may also work for you. If you don’t want to miss the feeling of being at home, lots of supermarkets and restaurants offer fully cooked Thanksgiving dinners. You simply pick everything up and place it on your table ready to be served, and if you must add a personal touch, make one special dish of your own.
2. Let’s Talk Turkey First, determine how much room you have in your freezer and refrigerator, and how many people you will be serving. Then, order your turkey. If you need more storage space, perhaps a neighbor or relative can help you out. Rather than defrosting a frozen turkey in water on Thanksgiving Day, defrost it a few days ahead in your refrigerator instead. This saves tons of time!
3. Check Your Inventory Check your supply of chairs, tables, dishes, glasses, pots, pans, serving plates and utensils. Arrange to buy, rent or borrow anything you don’t have.
4. Plan Your Meal Plan your meal from appetizers to dessert on a piece of paper. Make a list of all ingredients needed. Bring your list when you go shopping and check items off as you put them in your cart.
5. Cook Ahead Make any dishes that you can well ahead of time, and freeze them. On Thanksgiving Day, just defrost, heat and serve. You will save tons of time, plus you’ll be able to join in the festivities without being stuck in the kitchen.
6. Get Ready the Night Before You’ll be happy you took care of a few things the night before. Set the table. Get the good silverware out of storage. Lay out your wardrobe-and your kids’ wardrobes. Excerpt from Maria Gracia, founder of GET ORGANIZED NOW!
Fall Home Improvement Tips:
Exterior Paint Fall offers plenty of days that are warm enough to work with exterior paint, and a touch-up can help prolong the life of your siding and trim. A fresh coat of paint or sealer on any surface that potentially will be showered with rain, such as wood floors or stairs, also is a wise idea. Sooner is better to contact a local painter, as many paints aren’t recommended for application on days when the temperature dips below 45-50º F.
Lawn Care To ensure your lawn’s health and beauty come spring, complete several important yard work projects in the fall. Raking leaves and aerating will prevent your lawn and garden beds from suffocating, while fertilizing and winterizing grass, trees, and shrubs will allow your greenery to enter its winter slumber comfortably and properly nourished. Professional lawn-care services make quick work of these projects, freeing up your time for family, friends, and football. www.bhg.com
Roasted Brussel Sprouts with Pecans 2 pounds Brussels sprouts, trimmed and halved, 1 cup pecans, roughly chopped, 2 tablespoons olive oil, 2 cloves garlic, finely chopped, kosher salt and black pepper
1. Heat oven to 400º F. On a large rimmed baking sheet, toss the Brussels sprouts, pecans, oil, garlic, 1/2 teaspoon salt, and 1/4 teaspoon pepper. Turn the Brussels sprouts cut-side down.
2. Roast until golden and tender, 20 to 25 minutes. By Sara Quessenberry
Decorate Smarter to Save Energy Festive lights have become one of the staples of the holiday season; however, the energy it takes to power these little lights can cause you to lose your holiday cheer when the electric bill arrives in January.
Consider making the transition this year to light-emitting diode (LED) holiday lights. These lights are 80 percen-90 percent more efficient than traditional lights. LEDs are shatterproof, shock resistant, and cool to the touch. Not only can they save you substantial cash, but these lights are safer for your family and can help prevent the risk of fire.
Avoid the hassle of turning your lights on and off manually by setting an automatic timer. You can customize the settings on your timer to shut off overnight and during the daytime so the lights are only on when you and your family are home to enjoy them.
Central Coast Real Estate News
Central Coast and Santa Maria Real Estate has seen a steady increase in values and with all the new construction coming online the inventory has given buyers great selection of homes. As you can see in this graphic, sales volumes are down from last year but cash sales are strong with 18 cash transactions in September. REOs (foreclosures) are also down significantly 32 ytd vs. 89 for the same period in 2013 along with much fewer short sales.
Lenders are seeing lower interest rates which will be a strong incentive for buyers and sellers alike.
Mortgage rates are largely flat on Thursday, November 6. The benchmark 30-year fixed rate loan is advertised at 4.000% today with a 4.052% APR. Buyers can lock into the shorter-term 15-year fixed mortgage at 3.375% with an APR of 3.466%.
Larger conforming loan amounts between $417,000 and $625,500 are available in designated high-cost areas. A larger 30-year mortgage is quoted at 4.000% today with a 4.029% APR. The larger 15-year fixed loan is quoted with an interest rate of 3.250% today with a 3.319% APR. Buyers can lock into the larger 5/1 adjustable rate mortgage with an interest rate of 3.125% with a 2.907% APR to start.
The best rate for a 30-year mortgage today is 3.875% for a jumbo loan with an APR of 3.907%. The 15-year jumbo mortgage is quoted at 3.625% today with an APR of 3.663%. Jumbo borrowers can lock into a 5/1 jumbo ARM at 2.750% for the first five years with an APR of 2.780% to start.
Disclaimer: The advertised rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the quotes.
Michael & Rita Anderson and the rest of the Anderson Home Pros group wish all a wonderful and safe Thanksgiving.