Top 10 Native Plants that will Thrive in Your New Jersey Garden
The key to gardening success in the northeast, with its variably cold, snowy winters and short, humid summers, is choosing plants already adapted to the local climate and soils, as well as the specific conditions in your yard.
By learning to read the varied conditions of your landscape — and you may have multiple habitats that are very different from one another — you can then look for plants that grow naturally in those conditions without needing water over the average 40 to 60 inches of annual precipitation in this region.
Instead of impulse-buying plants that strike your fancy in bloom at the nursery, first take a good look at what you have to work with.
Here are 10 plants, from herbaceous perennials to woody vines, shrubs and trees, chosen for their multiseason beauty and interest, wildlife value and adaptability to a variety of garden conditions found across the Northeast, from dry sun to moist shade. Other than irrigation in their first year or two and an annual weeding, once these plants are established in conditions to their liking, they should require little else to thrive in your Northeast landscape.
Native to rich Eastern forests and woodlands
Best shade perennial. Foamflower, shown here, is a beautiful semievergreen ground cover that blooms in a sea of pink and white foamy flowers in spring. Fairly deer resistant (definitely not a deer’s first choice), it is perfect for growing in shady areas underneath trees or in the shade of a house. In rich soil, foamflower can spread annually a few feet in each direction from stolons (underground roots), but it is never invasive like Vinca and Japanese pachysandra (Pachysandra terminalis), commonly planted ground covers that can escape into nearby woodlands.
Choose spreading varieties if you’re looking for a ground cover effect. Named cultivars found in nurseries are often labeled incorrectly as Tiarella cordifolia and are actually the clumping Appalachian species, Tiarella wherryi. These don’t spread from underground stolons, so read labels carefully if you prefer a spreading plant to fill an area.
2. Butterfly Milkweed
Native to open, sandy soils and uplands across eastern North America, but a rare species in most New England states
Best full-sun perennial for sandy or well-drained soil. This gorgeous native plant sports neon-orange blooms in early summer, attracting many butterflies and pollinators to its sweet nectar. Butterfly milkweed thrives in any sunny spot with well-draining soil, especially sand. As a milkweed, it’s an occasional food plant for monarch butterfly caterpillars, although swamp milkweed (Asclepias incarnata), which leafs out and blooms later than the orange milkweed, is preferred as a host plant.
3. New England Aster
Native to moist meadows and fields on the East Coast and south to Virginia
Best full-sun perennial for moist soil and late-season blooms. The purple flowers of New England aster, along with goldenrod (Solidago spp), signal the summer’s end here in the Northeast. An important nectar and host plant for butterflies and late-season beneficial insects, it loves full sun and moist soil, but it will put on a great show in any reasonable garden soil. Allow it to self-seed and create large drifts of fall color, and watch for monarch butterflies drinking nectar from the flowers, essential fuel for their long flight south to Mexico.
Some species are native to low woods and swamps, and others are adapted to high and dry exposed areas
Most adaptable flowering shrub. Serviceberry, also called shadbush, shadblow and juneberry, is a beautiful multistemmed shrub or small tree that grows in sun or the understory of larger trees. Clouds of white flowers cover serviceberry in April, and the early-season nectar is valuable forage for many pollinators. Birds flock to feed on the pink and purple edible berries that ripen in June. The fall foliage is a striking orange and yellow, especially when grown in the sun. Plants sold in nurseries are usually natural hybrids of local species.
5. New Jersey Tea
Native to sandy pine barrens and rocky soils of eastern North America
Best full-sun shrub for dry soils. This shrub makes it into the top 10 for its ability to thrive in the leanest and driest soils without wanting or needing fertilizer or watering. Planted in these conditions, it’s as close to a zero-maintenance flowering shrub that exists in the north. Billowy, white early-summer blooms attract hordes of pollinators and beneficial predatory insects that help control garden pests. New Jersey tea is hard to find for sale; look for it at native-plant nurseries in your region.
6. Highbush Blueberry or Lowbush Blueberry
(Vaccinium corymbosum, Vaccinium angustifolium)
Native to a variety of habitats, ranging from swamps and bogs to woods, fields and rocky outcrops
Best edible plant. Blueberry is an essential Northern garden plant because of its delicious berries, fiery fall foliage and, depending on the species, ability to grow just about anywhere with some sun.
7. Trumpet Honeysuckle
Native to forest edges, woodlands and ledges in southern New England and south
Best flowering vine. Trumpet honeysuckle, also called coral honeysuckle, is a well-behaved flowering vine that attracts hummingbirds and won’t take over your house or yard the way Asian wisteria (Wisteria sinensis or W. floribunda) or English ivy (Hedera helix) can. Trumpet honeysuckle is perfect for twining up an arbor or along a fence line.
Important note: Don’t confuse trumpet honeysuckle with trumpet creeper (Campsis radicans) or crossvine (Bignonia capreolata), which are also vines with trumpet-shaped flowers but should be avoided, due to their aggressive spreading through underground runners.
8. Gray Birch
Grows wild in abandoned fields and disturbed areas of the East
Most adaptable small tree. Gray birch is an attractive and fast-growing tree for sun or shade, wet or dry soil. It’s more resistant than other birches to the bronze birch borer pest. Grow gray birch to add quick and easy wildlife habitat to your property — its seeds and catkins feed birds, and its foliage hosts many butterfly and moth caterpillars, which in turn become a protein-rich food that birds use to feed their babies in the nest.
9. Red Maple
Native to swamps, forests, fields, and river and wetland edges
Most adaptable large tree. Grow red maple, also called swamp maple, for its fast growth when young and its multiseason interest. Its red flowers in early spring feed native bees, and its brilliant orange and red fall foliage rivals the iconic colored foliage of sugar maples, which are beginning to die out due to a warming climate.
10. Creeping Juniper
Native to dunes and sandy, gravelly or rocky outcrops, often seen growing on highway embankments
Best evergreen ground cover for full sun and dry soil. What it lacks in showy blooms, juniper makes up for with its tough disposition, growing in the toughest, driest soils. Its low, spreading habit creeps nicely around rocks and into awkward spaces, highlighting nearby showy plants and unifying landscape designs large and small. Easily the most drought-tolerant evergreen ground cover for Eastern gardens, juniper grows in any well-drained soil in full sun, including sand and on steep slopes.
Do you have a Jersey Green Thumb? What can you share about the plants thriving in your garden? Sound off on the Patrick Parker Realty Facebook Page or on our Instagram or Twitter Feeds. And don’t forget to subscribe to our monthly HOME ADVICEtm email newsletter for articles like this delivered straight to your inbox. You may unsubscribe at any time.
How to Meet Your Neighbors: Icebreakers Even Introverts Can Pull Off
Want to know the secret of how to meet your neighbors? It’s this: Stop waiting for people to swing by with an apple pie. These days you have to be proactive and get out there yourself!
So how do you do that?
Granted, whether you’ve just moved in or lived someplace for eons, many find this simple act of reaching out amazingly hard. If that sounds like you, it’s OK: It’s all about knowing a few icebreakers. Here are a few that even the shyest of shy can try.
1. Hold A Garage Sale
This project doubles as decluttering—and works whether you’ve lived in a place for years or just moved in and didn’t get a chance to fully purge before you packed up for your new digs.
Not only will a garage sale provide you with a clean slate, it’s also a low-key way to meet your neighbors. Even if you don’t make a sale, you might be meeting your new best friend for the first time.
2. Ask To Borrow Something
Tools are one of the more popular items you may not have dug out of the box yet but find you’ll need right away. Don’t be too shy to ring the neighbors door and ask to borrow that hammer or screwdriver.
And remember, this is an equal opportunity endeavor: Sooner or later you’re bound to have something a neighbor might need, from a rake to cup of sugar. Go ahead and let your neighbors know to stop by “if you need anything”.
3. Do A Good Deed
Sometimes the best way to break the ice is to look for a way to pull someone out of it.
Three years ago, during an East Coast polar vortex, one of our client’s was leaving their home at 4 a.m. to attempt to get to work when he happened to see water gushing out of his neighbor’s garage. No one was home, so he called the fire department.
A sprinkler system had burst on the third floor and was destroying their home. Our client ultimately broke into the home but only to turn off the water and managed to save the home in the process.
Once his neighbors returned from their vacation they were very appreciative and are close friends to this day.
Not that you have to wait for disaster to strike. There are opportunities year-round; from plant-sitting during Spring Break and Summer Vacation to offering to clear leaves from gutters in the Fall or shovel snow in the winter. Who could refuse? And now you’ve got a friend whom, odds are, you can depend on in a pinch, too.
4. Find A Common Cause
Last summer a feral cat had a litter of kittens in the yard of one of our client’s homes. Concerned about their welfare—not to mention the number of cats already roaming her neighborhood—our client went door to door to bring the issue to her neighbors’ attention. Ten houses down, she found a neighbor eager to help the free-range cats. Today, cats in their community are well cared for—and these two neighbors are fast friends.
When you work together toward something that matters to you, you can’t help but bond.
Don’t have a passionate cause of your own? Then get involved in an HOA or local community group.
Volunteering is one of the best ways to get to know people because you move quickly past small talk.
5. Sometimes, Going Online Is A Good Idea
So maybe you want to be part of your community but work crazy hours. Or you’re always shuttling your kids from one after school activity to another and your schedule looks like that of an air traffic controller.
Maybe your nearest neighbor is a mile (or more) away. If meeting your neighbors “IRL” is a challenge, then maybe you do need to pick up that tablet or smartphone and join a local online group.
Have a goal though. Try and build relationships online that will lead to offline interactions.
You hear that? Your iPhone addiction actually can lead to meaningful connections outside your front door.
How did you break the ice with your neighbors? Do you have any tips to add to our list? Sound off on The Patrick Parker Realty Facebook Page or our Twitter or Instagram feeds. And don’t forget to subscribe to our monthly HOME ADVICEtm email newsletter for articles like this delivered straight to your inbox. You may unsubscribe at any time.
8 Maintenance Tasks All Homeowners Should Do Once a Year
You have the basics of homeownership maintenance down. You change the ceiling blade direction every summer and winter, you scrub the inside and outside of your windows each spring, and you remove every drop of water from your sprinkler system before the first frost.
But are you sure you’re getting everything done?
These eight annual maintenance to-dos are easily forgotten—but checking them off once per year can save you some major headaches, heartaches—and money!
1. Salt your water softener
You’ll need to take a trip to your local home maintenance store for this project. If your water heater features a rad built-in water softener, skipping regular maintenance can cause irreversible damage.
Let’s say you’ve purchased a home with a 2-year-old hot water heater. Pretty new, right? Well, if the previous owner skipped salting the softener, letting mineral build up inside the unit, it will sound like a rock tumbler.
Should that happen, a few intense flushes should do the trick. But don’t wait.
At the end of the day, regular maintenance will prevent damage and will help you avoid a major expense down the road.
2. Test your well water
Having your own well can be a perk—sweet, fresh-from-the-earth water, with no bill! But in-ground water is subject to all sorts of contaminants, including high levels of nitrates, sulfates, or microorganisms. To keep your gut happy and prevent nastier health issues, make sure to test your well water every year. (Shallow wells can require more frequent testing.)
Many municipalities offer free water screening. If yours isn’t so kind, you can send samples to a nearby laboratory for analysis.
3. Update your disaster kit
You don’t have to be a prepper to be prepared. Even minor storms can knock out power for a days. Darkness is a lot less miserable with basic supplies. Every household needs a disaster kit—essential supplies that can keep you going in an emergency. Include necessities such as a first-aid kit, a three-day supply of nonperishable food, plenty of water, printed maps, and a whistle.
Dig through your kit once a year, and check the expiration dates of all of your food, look for broken seals, and make sure none of your necessities have been used or gone missing in the previous 365 days. Check your stock against Ready.gov’s extensive list of basic disaster supplies.
4. Know your humidity
Humidity—especially in the basement—is an early warning sign of future problems. High humidity can cause mildew and black mold. Left unchecked for a significant period of time, it can even cause structural damage. So pick up a hygrometer, and check your levels at least once a year.
If the reading is low, don’t assume you’re in the clear. Too little humidity might not be as dangerous as high levels, but it can still cause sore throats and itchiness—and damage the house. Wood might crack, paint can chip, and electronics could be permanently damaged. Shoot for humidity levels that fall between 30% and 50%.
5. Check for termites
Many homeowners tend to take an “out of sight, out of mind” approach to these wood-eating buggers—but once a year, make sure termites are on your mind.
Ultimately, an annual termite inspection is typically less than $100, and can save you thousands.
6. Take a photo
You’d never skip snapping a shot of your kid on her first day of school each year—so why wouldn’t you do the same for your house? On the anniversary of your purchase, step outside with a camera and shoot a picture of your home in its current state. Over the years, you’ll be astonished by how much your home has evolved.
7. Save 1% of the home’s value
The typical rule of thumb is that a home costs 1% of its value in maintenance fees each year. For example, if you’re purchasing a home worth $300,000, expect to pay $3,000 each year to keep it in shipshape condition.
While you should be regularly saving throughout the year, taking the time once annually to investigate your bank accounts can keep you out of hot water. And, of course, the 1% rule is only an estimate—when it comes to homeownership, anything can go wrong.
A new roof might cost $7,500 (or more—way more). Serious foundation issues could ring in at $40,000. And new siding might require a $10,000 payment. Adding more to your home savings account is never a bad idea. But at the very least, make sure you have the bare minimum.
8. Create a donation pile
After a few years in your home, you might be astounded to find out just how much unnecessary stuff has piled up. Once a year—perhaps around spring-cleaning—do a deep dive into your closets, drawers, bookshelves, and garage. Toss or donate anything you haven’t touched in the past year.
RELATED: Do I Have Too Much Stuff?
Here’s what not to do with all that newly empty space: Fill it up again. But if you fail, well, you’ll be sorting through it again next year when you do these steps all over again.
As a homeowner, what annual home rituals do you keep? What advice might you have to new homeowners when it comes to ongoing home maintenance? Sound off on The Patrick Parker Realty Facebook Page or our Twitter or Instagram feeds. And don’t forget to subscribe to our monthly HOME ADVICEtm email newsletter for articles like this delivered straight to your inbox. You may unsubscribe at any time.
7 Pricing Myths to Stop Believing If You Ever Hope to Sell Your House
Pricing your own home is hard. Of course, you want to make a profit. Of course, all that money you spent installing a swimming pool or a half-bath will be recouped, because you’re leaving your digs in better shape than when you bought it, right?
Well, not necessarily. Too many home sellers fall prey to myths about home pricing that seem to make sense at first, but don’t jive with the reality of real estate markets today. To make sure you haven’t bought into any of this—since the buyers you’re trying to woo sure haven’t—here are some common pricing myths you’ll want to rinse from your brain so you kick off your home-selling venture with realistic expectations.
1. You always make money when you sell a home
Sure, real estate tends to appreciate over time: Home prices increased by approximately 5% by the end of 2017 and continue rising 3.5% in 2018. But selling your home for more than you paid is by no means a given, and your return on investment can vary greatly based on where you live.
2. Price your house high to make big bucks
We know what you’re thinking: “Hey, it’s worth a shot!” But if you start with some sky-high asking price, you’ll soon come back to Earth when you realize that an overpriced home just won’t sell.
While the payday might sound appealing, you’re actually sacrificing your best marketing time in exchange for the remote possibility that someone will overpay for your home.
RELATED: Home Won’t Sell? Check The Price
While certain buyers might be suckered in, this becomes far less likely if they’re working with a buyer’s agent who will know all too well when a home is overpriced, and advise their client to steer clear. And this can lead to problems down the road (as our next myth indicates).
3. If your home’s overpriced, it’s no big deal to lower it later
Sorry, but overpricing your home isn’t easily fixed just by lowering it later on. The reason: Homes that have lingered on the market for months make buyers presume that something must be wrong. As such, they might still steer clear, or offer even less than the price you’re now asking.
Bottom line: Price your home appropriately from the beginning for your best shot at having a quick and easy sale.
RELATED: The Importance of Proper Pricing
4. Pricing your home low means you won’t make as much money
Similarly, sellers are often leery of pricing their home on the low end. But as counterintuitive as this seems, this strategy can often pay off big-time. Here’s why: Low-priced homes drum up tons of interest, which could result in a bidding war that could drive your home’s price past your wildest dreams.
5. You can add the cost of any renovations you’ve made
Let’s say you overhauled your kitchen or added a deck. It stands to reason that whatever money you paid for these improvements will be recouped in full once you sell—after all, your home’s new owners are inheriting all your hard work.
The reality: While your renovations might see some return on investment, you’ll rarely recoup the whole amount. On average, you can expect to get back 64% of every dollar you spend on home improvements. Plus that profit can vary greatly based on which renovation you do.
6. A past appraisal will help you pinpoint the right price
If you have an appraisal in hand, from when you bought or refinanced your house, you might think that’s a logical place to start to price your home. It’s not!
An appraisal assigns your home a value based on market conditions at a specific date, so it becomes old news very quickly. In fact, lenders typically won’t accept appraisals that are more than 60 days old because lenders know markets can change quickly.
7. Your agent might overprice the house to make a bigger commission
Don’t even go there.
While it’s true that an agent’s commission is based on the selling price of a house, the disparity will end up being negligible. For example, the difference in commission between a $300,000 house and one that’s $310,000 is about $150.
No real estate agent is going to lose a sale for the sake of a couple hundred dollars.
Do you have any home selling myths to add to our list? Sound off on The Patrick Parker Realty Facebook Page or our Twitter feeds. And don’t forget to subscribe to our monthly HOME ADVICEtm email newsletter for articles like this delivered straight to your inbox. You may unsubscribe at any time.
10 Top Secrets To Selling Your Home
So you’ve decided to put your house up for sale. Now what? Aside from hiring a real estate agent, there are a few other important matters to address before your home is listed and potential buyers start coming through the door. Some of these items, more important than others.
FREE DOWNLOAD: Home Selling Essentials
Everything You Need To Know To Sell Your Home
It’s important to remember that while you may look around your abode and see your dream home, not everyone will agree. After all, potential buyers aren’t buying your aesthetic. They’re after square footage, closet space, great light, and up-to-date—maybe even brand-new—appliances and fixtures. Thinking like a buyer, we uncover the Top 10 Secrets to selling your home fast for top-dollar.
Selling Secret #10: Pricing it right
Pricing is the most important aspect of selling your home and you need an experienced Listing Agent with extensive market knowledge. Your Agent will consider up-to-date information on what is happening in the marketplace and the price, and condition of competing properties. These are key factors in getting your property sold at the best price, quickly and smoothly.
RELATED: The Importance of Proper Pricing
Selling Secret #9: Half-empty closets
Storage is something every buyer is looking for and can never have enough of. Take half the stuff out of your closets then neatly organize what’s left in there. Buyers will snoop, so be sure to keep all your closets and cabinets clean and tidy.
Selling Secret #8: Light it up
Maximize the light in your home. After location, good light is the one thing that every buyer cites that they want in a home. Take down the drapes, clean the windows, change the lampshades, increase the wattage of your light bulbs and cut the bushes outside to let in sunshine. Do what you have to do make your house bright and cheery – it will make it more sellable.
Selling Secret #7: Play the agent field
A secret sale killer is hiring the wrong broker. Make sure you have a broker who is totally informed. They must constantly monitor the multiple listing service (MLS), know your marketplace and understand the latest available marketing methods.
Look for a Real Estate Agent who embraces technology – a tech-savvy one has many tools to get your house sold.
Selling Secret #6: Conceal the critters
You might think a cuddly dog would warm the hearts of potential buyers, but you’d be wrong. Not everybody is a dog- or cat-lover. Buyers don’t want to walk in your home and see a bowl full of dog food, smell the kitty litter box or have tufts of pet hair stuck to their clothes. It will give buyers the impression that your house is not clean. If you’re planning an open house, send the critters to a pet hotel for the day.
Selling Secret #5: Don’t over-upgrade
Quick fixes before selling always pay off. Mammoth makeovers, not so much. You probably won’t get your money back if you do a huge improvement project before you put your house on the market. Instead, do updates that will pay off and get you top dollar. Get a new fresh coat of paint on the walls. Clean the curtains or go buy some inexpensive new ones. Replace door handles, cabinet hardware, make sure closet doors are on track, fix leaky faucets and clean the grout.
Selling Secret #4: Take the home out of your house
One of the most important things to do when selling your house is to de-personalize it. The more personal stuff in your house, the less potential buyers can imagine themselves living there. Get rid of a third of your stuff – put it in storage. This includes family photos, memorabilia collections and personal keepsakes. Consider hiring a home stager to maximize the full potential of your home. Staging simply means arranging your furniture to best showcase the floor plan and maximize the use of space.
Selling Secret #3: The kitchen comes first
You’re not actually selling your house, you’re selling your kitchen – that’s how important it is. The benefits of remodeling your kitchen are endless, and the best part of it is that you’ll probably get 85% of your money back. It may be a few thousand dollars to replace countertops where a buyer may knock $10,000 off the asking price if your kitchen looks dated.
The fastest, most inexpensive kitchen updates include painting and new cabinet hardware. Use a neutral-color paint so you can present buyers with a blank canvas where they can start envisioning their own style. If you have a little money to spend, buy one fancy stainless steel appliance. Why one? Because when people see one high-end appliance they think all the rest are expensive too and it updates the kitchen.
Selling Secret #2: Always be ready to show
Your house needs to be “show-ready” at all times – you never know when your buyer is going to walk through the door. You have to be available whenever they want to come see the place and it has to be in tip-top shape. Don’t leave dishes in the sink, keep the dishwasher cleaned out, the bathrooms sparkling and make sure there are no dust bunnies in the corners. It’s a little inconvenient, but it will get your house sold.
Selling Secret #1: The first impression is the only impression
No matter how good the interior of your home looks, buyers have already judged your home before they walk through the door. You never have a second chance to make a first impression. It’s important to make people feel warm, welcome and safe as they approach the house. Spruce up your home’s exterior with inexpensive shrubs and brightly colored flowers. You can typically get a 100-percent return on the money you put into your home’s curb appeal. Entryways are also important. You use it as a utility space for your coat and keys. But, when you’re selling, make it welcoming by putting in a small bench, a vase of fresh-cut flowers or even some cookies.
What home selling secrets do you have to add to our list? We want to hear from you! Sound of on our Facebook Page, Twitter or Instagram feeds or connect with us on LinkedIn. And don’t forget to subscribe to our monthly HOME ADVICEtm email newsletter for great tips for homeowners and sellers delivered straight to your inbox. You may unsubscribe at any time.
Setting Up a Home Office That Works for You
Whether you’re paying a few bills or running a small business, a stylish, comfortable work space will help you stay focused and inspired.
In recent years, the line between working and living in our homes has become blurred. More people want a home office, whether it’s a simple space for taking care of household matters, a spot for the inevitable papers and projects that make their way home from work, or a dedicated area for a full-time business.
For a few minutes a day or 40 hours a week, working at home is always more fun in an area with loads of function — and some personalization, too. Here’s how to create a snazzy home office space that will make you look forward to clocking in.
Some experts have said there are only two essentials for a functional home office: a comfortable chair and a door that closes. Most people, however, probably have a few more requirements.
Basic elements of designing a room include smart space planning, adequate lighting and sufficient storage. When setting up your home office, also consider functionality and comfort.
Start with your work surface. Stock desk units come in a variety of materials, but may be difficult to fit in with your room. Modular office furniture is more flexible and comes in many styles.
Or look to repurposed furniture. With some judicious changes, you can turn flea market finds and antiques into acceptable home office elements. Don’t hesitate to make a piece your own with a simple coat of paint in your favorite color.
Take a Seat
Chairs need to be functional, but an office chair isn’t your only choice.
If you’ll be spending a lot of time working in the office, consider including a lounge chair or chaise. It will make a comfortable spot for reading or coffee breaks.
For your desk, choose a chair with an adjustable seat and armrests to protect your spine and help reduce aches and injuries. To personalize it, add a throw pillow to coordinate with window coverings or other decorative elements in the room.
Make a list of everything you need, from pencils and paper clips to research materials and file folders. Pick a color scheme and purchase the necessities in your favorite palette.
Measure all the electronic equipment you’ll require to determine where it will fit best. And make sure you add some favorite framed photos or artwork to inspire you.
To create softness and texture underfoot, layer on an area rug to anchor your space.
Natural light is great, but you’ll need ambient and task lighting as well. Here is another opportunity to add a bit of personal style to your space via lamp shades, crystals and fixture finishes. Watch out for the possibility of glare, especially when finding a place for your computer screen.
If your office space doesn’t have a door, you can establish a sense of privacy by the way you orient your work surface or by using a screen or file cabinets to mark off the area.
Share your favorite ways to spruce your office space — we can’t wait to see what you come up with! Sound off on our Facebook Page or on our Twitter, Instagram or LinkedIn feeds. And don’t forget to subscribe to our monthly HOME ADVICEtm eNewsletter for articles like this delivered straight to your inbox. You may unsubscribe at any time.
5 Questions to Decide Whether to Pay Down Debt or Save
It can be hard deciding whether to prioritize paying down debt or putting money into savings – especially if you have limited resources. Answering five key questions can help you allocate your funds.
1. Do you have high-interest debt?
Interest rates on credit cards are often high. That can cost you considerably over time, since credit card interest typically accumulates faster than what you can earn on savings.
Pay it down!
If you’re carrying debt with double-digit rates, it may make sense to prioritize paying it down so you can free up future funds to save or pay other debts.
2. Do you have an emergency fund?
An emergency fund provides cash you can draw on in case of:
- Unexpected car or home repairs
- Medical emergencies
- Essential costs like rent and groceries if you are laid off or out of work
Save it up!
If you don’t have three months’ worth of living expenses set aside for emergencies, consider that goal next, while paying at least the minimum on any loans and credit cards.
3. Are you planning for retirement?
Your retirement account earnings may produce earnings of their own, so the earlier you start to save, the more growth potential you have. Plus, some retirement contributions help you minimize taxes.
Save it up!
You can’t borrow for retirement, so consider this goal next. As you build your retirement accounts, you can continue to chip away at debt at the same time.
5. What are your other goals or needs?
If your high-rate debt is under control, you have savings in an emergency fund and are contributing to your retirement, it’s time to consider saving for other things.
Save it up!
Depending on your goals, you can save for: A new car, education or a down payment on a home. Once you have those up and running, you can look toward the fun stuff like vacation and other big purchases.
Pay it down!
If your rates and terms are reasonable, you may decide to stay the course with your monthly payments. Or you could bump up your payments to pay those debts faster – especially any with higher rates. That way you’ll save on total interest paid and have more money to allocate to your goals.
Based on your current financial goals; are you Saving Up or Paying Down? We want to hear from you! Sound off on our Facebook Page, our Twitter, Instagram or LinkedIn feeds. And don’t forget to subscribe to our monthly eNewsletter. You may unsubscribe at any time.
The material provided on this website is for informational use only and is not intended for financial or investment advice. Patrick Parker Realty assumes no liability for any loss or damage resulting from one’s reliance on the material provided. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional when making decisions regarding your financial or investment options.
7 Handy Ways to Improve Your Home in 2018
If you let a lot of home improvement projects slip by without taking action in 2017, take heart. 2018 is here! You’ve now got an entire year to jump on those big household tasks. It’s time to seize the day, the month and the year.
Not sure what to put next on your to-do list, or do you even have a list at all? Take a look at this list for inspiration along with a selection of How To articles. Gathered here are everything from quick tweaks like setting your thermostat just right to big jobs like switching locks, doorbells and light switches.
We’ve even got downright messy but critical assignments such as cleaning dryer vents and gas cooktops. There’s bound to be a must-do task below for you, no matter how skilled or experienced you are.
1. Set your Nest right
Dive a little deeper into your Nest thermostat settings. You’ll be able to issue it voice commands though Alexa or the Google Assistant. Other tips are how to have it control humidity, work to save you money, and make it stop acting crazy when it’s on automatic.
2. Make multimeters your friend
If you have no clue what a multimeter is or you own one that’s gathering dust, this guide is for you. We take a quick look at how multimeters are versatile, flexible home DIY tools every homeowner should have.
3. Tend to your gas cooktop
Cooktops, stoves and ranges need regular attention and TLC. If they don’t get it, they won’t serve you well. Treat them right by keeping them spic and span, with all burners ready for action. Both you and your house guests will appreciate the sparkling new look of your tidy appliance, too.
4. Goodbye, blah light switches
Don’t hang onto old, boring light switches just because they happen to be three-way. Use this guide to help you overcome your fear. With a little care and caution, you’ll be swapping in fancy new dimmers in no time.
5. Ditch the keys for convenience
Physical keys are so medieval. Your front door should rock a sleek, electronic lock like it’s 2018. These gadgets are flexible, motorized, and look great. Take a gander for yourself and see just what we mean.
6. See who’s there from anywhere
Know who’s at your doorstep before they press the buzzer. Find out if anyone has their paws on your packages. A sweet video doorbell can help with all those things. Read on to learn how to hook one up yourself in a flash.
7. Don’t neglect that dryer vent
As the saying goes, it’s a dirty job but someone has to do it. I’m talking about your home’s dryer vent. If you don’t take time to clear it out every year, it can quickly become a dangerous fire risk. Bite the bullet with this deep dive into dryer vent hygiene.
How are you making home improvement a priority in 2018? Sound off on the Patrick Parker Realty Facebook Page, on our Twitter or Instagram feeds or on LinkedIn. And don’t forget to subscribe to the monthly Patrick Parker Realty HOME ADVICEtm eNewsletter for articles, tips and guides like this delivered straight to your inbox. You may unsubscribe at any time.
5 ‘Must-Do’ Home Resolutions for January
Happy New Year! January is the month to take stock and plan ahead. That’s why these five “must-do” projects for January include everything from adopting some home-focused resolutions to storing holiday decorations and getting snow-ready.
1. Make ‘energy savings’ a resolution to keep
This year, as you make your New Year’s resolution to spend less, go on a diet, join a gym, learn a new skill or perhaps find more time for yourself, consider adding another goal for 2013 — putting your house on an energy diet.
Just like taxes and death, you can be sure that energy and utility costs will continue to take a bite out of your home operating budget. How big of a bite is within your control. That’s why it pays to do everything you can to keep your home as trim and fit as possible. After all, sometimes even a seemingly modest change in your home (or change in your personal habits) can make a dramatic difference over time.
For example, there’s been plenty written about energy-efficient light bulbs, but have you put that information into practice? If not, make it a goal this year. If every American home replaced just one incandescent light bulb with an Energy Star-certified variety, we would conserve enough energy to light 3 million homes for a year, save about $600 million in annual energy costs and prevent 9 billion pounds of greenhouse gas emissions per year (equivalent to the amount produced by about 800,000 cars), according to the Environmental Protection Agency (EPA).
RELATED: How To Hack Your Electric Bill
And if you’ve turned a deaf ear to that dripping faucet or runny toilet, you can be sure that your water company hasn’t. If you know that there’s a leak, fix it. It may require something as simple as tightening a valve or replacing a worn washer or ineffective flapper, all simple repairs you can take care of yourself. If the leak requires replacing the faucet or toilet altogether, call in a professional and choose a fixture bearing the WaterSense label. And the next time you flush, consider this: If everyone in the U.S. flushed the toilet just one time less per day, we could save the equivalent of a lake full of water about 1 square mile and 4 feet deep every day.
Looking for more ways to conserve and save this year? Seal those drafts, make sure your home is well-insulated, install low-flow shower heads and change furnace filters.
2. Pack up the holiday decorations
As fun as it is to unearth boxes of holiday decorations in November, there is nothing enjoyable about packing them all away again in January. Big-box stores will be happy to sell you bins and containers geared specifically toward holiday-related storage, but with a little planning and ingenuity, you can create your own DIY solutions that will work just as well. A piece of cardboard with slots at both ends is ideal for wrapping string lights, while those inexpensive, 6-ounce plastic party cups are the perfect individual holders for fragile ornaments. And if you have a real tree, consider bringing it to a treecycling location, where it will be chipped into mulch for beneficial use.
3. Get snow-ready
Take time now to make sure you are prepared for snow. Snow shovels, snow blowers, salt or sand should all be at the ready. If you haven’t fired up your snow blower since last winter, you might want to do so now.
Consider some routine maintenance like changing the oil; replacing frayed or cracked belts; tightening nuts, bolts, and screws; and lubricating drive and chassis. Also, watch for the formation of icicles along the eaves as snow begins to melt. They can create ice dams and serious damage to the roof if left unattended. A roof rake is a great way to pull the snow from the eaves to lessen the problem.
4. Employ some countertop TLC
Perhaps never before have there been so many enticing countertop options to fit every budget, decor and culinary need. But all countertops are not created equal. So what’s the best way to keep yours in peak condition? You can start with some pretty basic “do’s and don’ts,” such as cleaning often with a sponge or soft cloth and mild, non-abrasive detergent, or by practicing caution when using sharp knives and hot cookware. If you have granite or marble, be sure to use a good sealer, which will help prolong the life of the stone and provide a barrier of protection against staining. Wood countertops should be rubbed with tung, linseed or mineral oil anywhere from monthly to quarterly, depending on usage. The same mineral oil can be applied to soapstone to provide a protective coat and rich, dark color. For stained laminate, try a homemade paste of baking soda and water. For tips on caring for concrete, stainless steel, quartz, solid surfaces and ceramic tile, visit Countertop Care 101.
5. Make a better fire
While many of today’s homeowners opt for the convenience of a gas fireplace, the traditionalists among us may always prefer the smokey smell, crackling sound and tactile ritual of fire building. While there is an art to making a fire, it all begins with the right choice of wood. Every species has its own set of burning characteristics. Some species — oak, for example — offer a very slow burn and hot fire, while other species like fir provide medium heat with less ash. You’ll also want to make sure the wood you use is properly seasoned and stored in a well-ventilated outdoor area, protected from the elements.
What 2018 Home Resolutions have you made? We want to hear from you! Sound off on our Facebook Page or on our Instagram, Twitter or LinkedIn feeds. And don’t forget to subscribe to our monthly HOME ADVICEtm eNewsletter for articles like this delivered straight to your inbox. You may unsubscribe at any time.
40 Easy Moving And Packing Tips That Will Make Your Move Super Smooth
Congrats on your new home! Now you just have to figure out how you’re going to pack and move everything without breaking the bank, your fragile lamp, or your back. Good thing we put together this list of 40 easy moving and packing tips that will make your move dead simple.
How do we know these tips will make your move super smooth?
We asked expert movers, packers, and professional organizers to share their best tips.
So sit back, grab a snack, and dive in!
1. Get rid of everything
Okay, maybe not everything, but the more unused and unnecessary items you eliminate from your home, the less stuff you’ll have to pack up, haul across town, unload, and organize.
Clear any clutter from your home as soon as you know you’ll be moving.
Be ruthless with your stuff. That coat you think is cute but haven’t worn in four months? Donate it.
The very first coffee maker you ever bought that flavors your morning brew with little pieces of rust? Trash it.
Doing a massive preliminary purge will have the single biggest impact on the efficiency and ease of your entire packing process.
2. Sort things by category
Organize your belongings by category, not by room (note that the category part only applies to the organization process, not the unpacking — that’s a whole separate ordeal).
Instead of spending a day cleaning out your entire bedroom, spend an afternoon sorting through every article of clothing you own.
Scour every coat closet, dirty clothes hamper, and laundry room until you’ve got all your clothes in one place. Then sort.
Do the same thing for books, shoes, important papers, and the like.
3. Schedule a free donation pickup
In most markets and in most cases, you can schedule a donation pick-up online with the Salvation Army. The good news is, you don’t even have to be home so long as you properly label all bags/boxes that are being donated.
4. Set aside stuff to sell
You probably have a few items you no longer want, but would love to get a little money for. If that’s the case, set these items aside and determine where you can sell them.
If it’s furniture, Craigslist or Facebook Marketplaces are best bets. If it’s brand name clothing, you could try Poshmark or a local consignment store.
For specialty items like a gently used Coach purse or your collection of 90’s Beanie Babies, get on eBay.
5. Research professional moving companies
Research is never fun. Yelp and Google will overwhelm you with the sheer volume of choices for household moving companies to hire, but don’t give in to the pressure and pick the first four-star rating you see.
A moving company can often make or break your entire moving experience, so it’s important to get it right. The more effort you put into finding a reputable company with excellent customer service ahead of time, the less hassle you’ll have on moving day.
There are tens of thousands of people claiming to be a ‘moving company’ when in actuality it’s just some guy with a van trying to make some extra money. So it is important to make sure to do your due diligence.
Make sure to read the company’s list of services, fine print, and refund or damage policies, too. For example, some companies don’t lift items that aren’t in boxes (so your stuffed-to-the-brim duffel bags won’t make the cut), while others ask for full payment several weeks early.
Find out the specifics so there are no unwelcome surprises come moving day.
6. Pick the right moving day
Hire your movers at least a month out so you can plan accordingly. If you have a flexible schedule, play around with potential moving dates and try to find the cheapest time of month to make an appointment.
Moving companies are busiest on weekends, so if you can skip the Saturday chaos and schedule your move for a Tuesday, you might get a significant discount.
7. Map out the best way to get to your new home
Whether you’re moving to the Jersey Shore, across the country, across state lines, or just to a neighboring town, you’re going to need an efficient travel route so you don’t waste your move-in day sitting in traffic or pulling over three different times to type an address into your GPS.
Figure out the easiest, most efficient way to get where you’re going. Look up potential highway construction schedules ahead of time. And take traffic, detours, and necessary stops into account when you’re making your plan.
8. Create a master moving to-do list
When you move homes, you inevitably end up having 600 different things to do and remember. Don’t let all these tasks and important reminders, no matter how seemingly obvious, slip your mind.
Write them down somewhere. Put them in the Notes app on your phone, in a to-do list app such as Wunderlist, or go old-school with a giant yellow legal pad.
No detail is too insignificant. You just remembered the name of the little bookstore in town that will accept your used novels? Write it down.
You stuck that extra screw from the broken drawer next to the sink? Take note.
You have to return your cable box to your provider at least one day before you leave? Jot it down.
9. Put moving tasks on your calendar
Take your organization a step further and spend an evening mapping out everything you have to do. Get an oversized calendar and mark the empty white boxes with important daily tasks to prepare for your move.
Tuesday: Call moving company.
Wednesday: Sort through toiletries.
Thursday: Buy new sheets.
An added bonus to using the calendar method is that breaking up your tasks by day makes them seem more manageable.
10. Get moving boxes from your local liquor store
Pay a visit to your local liquor store to see if they recycle their used boxes. If so, ask if you can grab a handful so you’re saving a little paper in your moving journey.
Just make sure the boxes are very gently worn and that you only use them to hold lightweight items like linens and towels. You don’t want to deal with ripped boxes and broken valuables on the big day.
11. Check to see if you have original boxes for your electronics
You might think your flat screen TV could withstand a 30-minute drive across town in a cardboard box, but alas, it’s a fragile piece of technology. The best way to transport your electronics is in the original boxes they arrived in when you purchased them.
Check to see if you stashed these boxes somewhere — attic? Garage? If you don’t have them, make a list of what you’ll need to buy or borrow to properly cushion your stuff.
Quilted blankets, bubble wrap, and sturdy tape all work well to protect TVs and similarly delicate items.
12. Go to the hardware store
How, you might ask, is one trip to the hardware store even possible?
Here’s how: lists.
Make one and make it really thorough and detailed. Sit down with your family, partner, or roommates and brainstorm every possible item you will need to help you get through the moving process.
Again, nothing is too insignificant. Packing tape, cardboard boxes, packing paper, extra screws, putty, a measuring tape, a new industrial-size broom, you name it. Buy it all in one big haul.
13. Grab extra packing and moving supplies
Don’t forget the “just in case” items when you’re making your master hardware store list. Stock up now on extra supplies like light bulbs (check your lamps to verify the type you need), extension cords, and power strips so you’ll be set to go when you start moving things in.
14. Schedule disconnect times
Call your cable, internet, electricity, and gas providers at least a week ahead of your move to figure out when you need to shut everything off. Make sure you leave enough time in your schedule to gather any necessary items — like cords, remotes, or cable boxes — you may need to return.
15. Call in favors early
If you’re relying on friends and family to help with your move, be courteous and give them a month’s notice. Do the same with babysitters for your children.
Send out an email with the details of where to meet, what time, what to bring, and what to wear (read: no sundresses or uncomfortable shoes) so everyone is on the same page.
16. Pack ahead
Packing little by little is far less stressful than trying to tackle it all in one day. As early as a couple months out, start packing the stuff you know you won’t be using.
This can be anything from off-season clothing to books you’ve already read to mementos, pictures, and keepsakes.
17. Pack decorative items a few weeks out
Pack up all your art and decorative items several weeks before you move. These pieces can be some of the trickiest to store because they’re fragile and often oddly shaped, so having a bit of extra time to figure out how to properly cushion them is crucial.
Sure, your walls and mantels will look a bit stark, but when you’re running around the house a week before the move feeling like you’re about to lose your mind, you’ll be so glad your grandma’s landscape painting is already nestled in its precious bubble wrap.
18. Change your address a week before you move
This is one of those things everyone forgets to do until they’re two weeks into life in a new home and they realize their Amazon Prime shipment still hasn’t arrived. Change your address ahead of time so your bills, credit card statements, and packages can arrive on time and without hassle.
19. Label moving boxes like a boss
The key to finding your stuff easily is labeling all your packed boxes accurately and clearly. When you’re stacking boxes in a van or car you won’t be able to see their tops, so make sure you label the sides as well. But don’t stop there.
Label the boxes by category and by room (for example, Books, Library and Books, Bedroom) to speed up the unloading process.
If you’re more of a visual learner, use color-coded electrical tape to label your boxes.
20. Create a number system
If you want to take your box labeling a step further, create a number system.
As you pack up a box, take note of every single item inside of it. Write the list in a Google doc, or use a handy organizing app like Sortly, and then give the box a number.
This genius strategy has two major benefits:
1. You can go straight to box #16 with the plunger instead of digging through every “Bathroom” box just to find it.
2. You’ll know the total number of boxes you’re transporting so you can check to see if one goes missing or is stolen.
21. Use small boxes for heavy items
It sounds obvious, but if you’ve ever known the struggle that is carrying a large cardboard box stuffed full of college textbooks across a parking lot, then you also know this advice cannot be overstated.
Fill your small boxes with heavier items and use large boxes for light things like decorative pillows, towels, and linens.
22. Use packing tape
Not to be confused with duct tape, packing tape is the heavy-duty, insanely sticky clear tape you see at the post office.
Always make sure your boxes have tops, but don’t do the interlocking fold method with the flaps of your box tops — just tape them closed. It’s much more secure this way.
23. Protect fragile items with packing paper, bubble wrap, or blankets
Remember that packing paper you put on your master list when you stocked up on supplies at the hardware store?
Use it to pad all your fragile dishware and decorative items. Stuff it inside glasses, wrap it around vases and bowls, and shove it between your dishes and the side of your boxes.
Make sure you wrap each of your fragile items separately, so they’re fully cushioned. If you don’t have packing paper, opt for bubble wrap or a quilted blanket.
24. Pack dishes vertically
Don’t stack your dishes horizontally inside a box. Instead, wrap your plates and bowls in packing paper, gently place them into a box on their sides like records, and then fill the empty spaces with bubble wrap to prevent cracking and breaking.
25. Cover the tops of toiletry bottles with Saran Wrap
To prevent potential leaking and spilling (and crying), take an extra two minutes as you pack to secure your toiletry bottles.
Unscrew the cap of your shampoo bottle, wrap a piece of Saran Wrap (or a Ziploc bag) over the top, and screw the cap back on. Simple and surprisingly effective.
26. Pack a clear plastic box with things you’ll need right away
This can include toilet paper, a shower curtain, hand soap, towels, sheets, snacks, or whatever else you think you’ll need for the first day or night in your new home.
Having a few essential items on hand will make you feel more comfortable and prepared to tackle unpacking everything else.
27. Pack a personal overnight bag
Chances are you won’t get everything unpacked in the first day, so bring whatever you need to feel relaxed and settled on your first night.
A change of clothes, your toiletries, a water bottle, and your laptop can go a long way in making your new place feel more like home.
28. Stop buying groceries a week before you leave
To save you the guilt of throwing away perfectly decent food, stop buying groceries a week or two before you’re scheduled to move. Try to make meals at home to use all the food you have left.
If you don’t finish everything, invite a friend or two over to see if they need some half-finished spices or boxes of pasta.
For anything you can’t get rid of, toss it and don’t look back.
29. Take pictures of your electronics
Before you take them apart and pack them up, take a few pictures of the back of your electronic devices — the cord situations, if you will.
Having these pictures will make it that much easier to set up your TV or monitor as soon as you move in — no fretting necessary.
30. Put your storage bins and luggage to use
Instead of trying to figure out how to pack up all your woven seagrass baskets, linen bins, and carry-on suitcases, store stuff inside them.
Think clothes and shoes for sturdy suitcases, and hand towels and pillowcases for lightweight, open-top bins and baskets.
31. Make copies of important papers
Pack a separate box or briefcase with copies of all your important documents in case of an emergency.
Though it might be a tedious project to scan or copy every birth certificate, passport, social security card, proof of insurance paper, and tax claim, you don’t want to risk damaging the only version of your papers in transit. They’re too precious.
32. Set aside cleaning supplies for moving day
Build a mini cleanup kit so you can do one final sweep through your home on moving day.
Set aside a broom, mop, dustpan, duster, sponge, cleaning products, paper towels, and old rags for wiping the grimy, hidden surfaces you could never get to when all your stuff was in the way.
33. Defrost your fridge at least one day before you move
Who wants to wake up to a grungy, mildewy fridge in their new home?
No one. No one at all.
Take time to thoroughly clean your fridge and wipe away all the liquid before you haul it to your new home.
34. Load boxes from the same rooms together
Stack and load boxes in groups according to the rooms indicated on the labels. Put all the kitchen stuff together, all the bedroom stuff together, and all the living room stuff together.
That way, you can unload all the boxes from the same rooms at the same time, which makes unpacking everything a cinch.
35. Load heavy furniture into the moving truck first
Have the person with the highest Tetris score be in charge of figuring out how to fit everything in the back of the moving truck is the most efficient way possible.
Load your heavy furniture first, like sofas and sectionals. Then finish with lighter items, like your nightstand and side tables.
Be gentle with everything, as most seemingly wooden items are not actually made from wood, but particle board.
Don’t be afraid to flip things over, either — couches actually transport well on their sides and save a ton of space in the process.
36. Take pictures of your new home before you move anything in
This moving tip really only applies if you’re renting your new home:
Before your friends and family start stacking boxes in the entryway, or scuffing the doorway trying to shove your couch through, snap a few shots of your space so you can note any existing damage.
It’ll be more difficult to prove you didn’t cause that damage after you’ve moved in all your furniture.
37. Delegate tasks when you’re unloading the moving truck
Figure out ahead of time who will be the chief of moving day. Whoever feels comfortable taking charge of the unloading and organization process (and inevitably answering 400 different questions) should assume this position.
Delegate every little task so no one is wasting time or sitting around with nothing to do. With all hands on deck, your unpacking process will fly by.
38. Keep Ziploc bags handy
Keep a stash of Ziploc bags in your purse or backpack for the big moving day. You can use the bags to store doorknobs, tiny screws and brackets, luggage keys, or other small, easily forgettable items.
39. Make the beds first
Make your beds as soon as you move in. That way, instead of worrying about tucking in your dust ruffle, or finding the right set of sheets at the end of a long night, you can just crash right away.
40. Be a good host
Make sure you take care of the people who help you move, regardless of whether or not they’re being paid to do it.
Provide beverages and snacks for everyone, break for pizza, or pay for everyone’s dinner and get it delivered using a food ordering app errand-outsourcing service.
Did you recently orchestrate a smooth move? What tips to you have to add to our list? Sound of on our Facebook Page, Twitter or Instagram feeds or connect with us on LinkedIn. And don’t forget to subscribe to our monthly HOME ADVICEtm email newsletter for great tips for homeowners and sellers delivered straight to your inbox. You may unsubscribe at any time.
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