Real Estate Information Archive

The hustle and bustle of the holidays are over and a new season has begun…tax season. It is never too early to start preparing to complete your 2020 tax return. Here is a list of things you can do this month to make tax time a little less stressful:

1. Contribute to retirement accounts.  If you haven’t funded your retirement account for 2020 yet, now is the time to do it. For a traditional or ROTH IRA the deadline to do so is April 15, 2021.  For a Keogh or SEP you can get an extension to October 15, 2021.  But if you want to start compounding tax free interest as quickly as possible, make those contributions now!
    
2. Make a last-minute estimated tax payment.  If you didn’t pay the IRS enough money throughout the year, you may have a hefty tax bill coming your way. You might owe some interest and penalties as well.  If you make an estimated payment by January 15, you can avoid a penalty for the fourth quarter and save money. Try not to pay too much though. It’s better to owe a little money than to get a refund. The IRS doesn’t pay you any interest on money they are borrowing from you.
    
3. Organize your records.  Yes!  Do it now!  Good organization may not change the amount of money you have to pay, but it will certainly make the process of filing your taxes easier. Prepare a tax checklist to get all your ducks in a row. Have a tax folder or binder in which you keep all documents and receipts. Taking the time to get organized now will save you time and energy when it is time to file your taxes.
    
4. Find the right tax forms.  You can view and download tax forms on the Internal Revenue Service web site or you can have them mailed to you. The IRS can also provide you with a private web site that lists state government sites where you can pick up state forms and publications. 
    
5. Itemize your tax deductions. While it may be easier to take the standard deduction, you may save money if you itemize. Especially if you are self-employed, own a home, or live in a high tax area. It is worth the time and effort when you see how much money you can save. Itemized Deductions: A Beginner's Guide
    
6. Decide if you need help.  Avoid the panic of last minute calls to accountants by preparing in January. You will have plenty of time to determine if you are going to need help completing your taxes and won’t be scrambling for assistance as the deadline looms.

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500!

Photo Credit: cogneesol.com

Whether you enjoy cooking or not, it is easy to get overwhelmed with all the various tools, appliances and contraptions that collect on your kitchen counters and in your cabinets. The truth is, you probably do not need much of what you have collected over time.  Here is a list of seven kitchen essentials that every kitchen needs:

• Chef’s Knife - One knife that features a straight blade capable of cutting everything from meat to vegetables to cheese is a must have for every cook. Look for a knife that is light-weight and durable with a slip resistant handle. With the right knife, slicing and dicing will be comfortable and safe. Top 5 Chef's Knives of 2020
   
• Cutting Board - Look for a quality carving board that can be used for cutting meats and poultry. Professional chefs most often recommend plastic cutting boards because they are durable and will last a long time. In addition, they can be washed easily by hand and are dishwasher safe. However, they can be harder on knives than wood or bamboo. 13 Best Cutting Boards 2020
   
• Peeler - If you cook with a lot of fresh veggies, a good peeler is a must! This prep tool should be sharp and easy to maneuver. Look for one that has a comfortable handle. The Top 5 Vegetable Peelers to Make Your Life Easier
   
• Measuring Cups & Spoons - When you are following a recipe, you will want precise measurements. That means you will want a nice set of measuring cups and spoons. Look for them in stainless steel with riveted handles for a better grip. The Best Measuring Cups for 2020
   
• Stand Mixer - While pricy, a quality stand mixer just might be your best friend in the kitchen! You can prepare just about anything with this powerful appliance that can tackle any job from kneading dough to whipping cream. 10 Best Stand Mixers for 2020
   
• Baking Sheet - The right baking sheet can make all the difference in how your baked goods turn out. Find a sheet that can cook everything from cookies to fries to vegetables. Remember that there is a difference between cookie sheets and baking sheets.  A quality baking sheet will cook evenly and give you great results! The Best Baking Sheet for 2020
   
• Skillets - Skillets are very versatile and can be used to prepare a plethora of recipes. Since you will likely be using a skillet frequently, it will pay off to invest in a top-of-the-line option. You will want one that provides even heat distribution and excellent heat retention. The 9 Best Skillets of 2020

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo Credit: wisecredit.com

Zeta, the 27^th storm of the Atlantic hurricane season, wreaked havoc in our neck of the woods, and hopefully your home survived with no apparent damage. But it is still important that you take the time to carefully look at your house and examine it for damage such as missing shingles or vents plugged by wind-blown debris.  Here is a list of things you should do to complete a post-hurricane home inspection:

1. Check your roof for visible damage. Look carefully at valleys where the roof planes intersect and check anything that comes up through the roof, such as vent stacks. Roof Inspection Tips
2. View your dryer vent outlet.  Use a flashlight to see if it is clogged with debris from the storm. Remove any debris that you find.
3. Inspect furnace vents that run directly through the wall.  Look for damage and clogs, especially bits of shattered leaves hurled into it by hurricane force winds.
4. Check gutters and downspouts. They can come loose if a strong wind catches them.  This can result in them eventually swinging loose and doing some real damage. Clean them out if they are clogged.
5. Examine your air conditioning unit for damage.  Before you turn your unit on you want to be sure that nothing is damaged. 
6. Look at your home’s electrical service entrance.  If it is sagging or leaning, contact an electrician immediately.
7. Make sure your fence is still standing.  Take a walk around the perimeter of your fence and push it to check for storm-weakened sections. 
8. Observe any large trees you have on your property. You may want to consider having them removed if they are a possible threat to your home in future storms.

When examining your home after a hurricane or storm, document and take photos of any damage that you find. This will make the insurance claims process much easier. How to File an Insurance Claim After a Natural Disaster

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo Credit: insurancejournal.com

Montgomery AL Home For Sale

3228 Lexington Rd, Montgomery AL 36106

MLS# 479877 | 3 Bedrooms | 2 Baths | 2,072 Square Feet | Cloverdale/Idlewild

Enjoy Striking Architectural Detailing

Virtual Tour

This unassuming Tudor-style cottage in Midtown Montgomery has striking architectural detailing. Living room features classical barrel-vault ceiling and tons of natural light gives a feeling of openness. The "Moorish" fireplace between the living and dining rooms seems to float and has a unique niche built in for displaying treasured objects. A wide central hallway is great for displaying artwork or even large pieces of furniture. If you love art deco, you will appreciate the main bath with original black and yellow "Chrysler building" tile work. Two rear bedrooms share a bath. Off the living room is a private decked courtyard that leads to an open back yard with a detached garage. Unfinished basement area has potential for storm shelter, workroom, or additional storage.

Marketed by Montgomery AL Realtor Billy Young, Sandra Nickel Hat Team!

Spending time outdoors in the fall and winter months is not much fun if you are cold, but if you have a nice, warm fire to gather around, you can enjoy outdoor time despite cooler temperatures. It is fairly easy to build your own fire pit and it can be done in a short amount of time without breaking the bank. So, follow these steps and before you know it you will be toasting marshmallows around your own DIY fire pit!

Step 1: Go to a home improvement store and purchase your materials. Choose your large pavers first. They are not expensive and work perfectly as the ring for your fire pit. I recommend getting enough to make your fire pit deep and wide.  Depending on the size of the pavers, you will need twelve or thirteen for each level of the pit. So, if you are doing three levels, you will need 36 to 39 pavers.  You will also need smaller pavers for the floor of the fire pit, and paver sand for filling in the gaps and spaces. Paver Fire Pits 

Step 2: When you get your materials home, choose the site for your fire pit and arrange the large pavers in a circle creating the diameter of your pit. Then arrange two additional levels on top of the base you have created. Be sure the gaps between pavers are as small as possible. You may have to adjust them several times before you get them just right.

Step 3: With the smaller pavers, build the floor of your fire pit.  Make sure that they fill in the entire space.  You may have to get some that are shaped differently to make them fit.

Step 4: Use paver sand to fill in the cracks and spaces in the floor.  Fill in the spaces and then use a broom or your hands to spread it evenly across the floor.

Before you begin your project, check out these  Do's and Don'ts of Building a Fire Pit.

Now you can build a roaring fire and enjoy your new fire pit!

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo credits; hgtv.com and dektile.com 

Autumn gardens bring to mind vivid, jewel toned hues such as scarlet, deep purples and gold.  It is not too late to add a burst of autumn colors to your landscaping.  But, before planting, research what kind of flowers and plants will do best in your area.  To help, here is a list of some that will thrive in Montgomery. Hardiness Zones 8A & 8B

Goldenrod: This low maintenance beauty has been erroneously blamed for causing hay-fever.  The real culprit is rag weed.  The pollen in goldenrod is too heavy to fly in the air.  Instead, it sticks to the legs of the butterflies and insects that feed on its nectar.  It blooms late in the season and is deer and drought resistant.

Chrysanthemums:  Commonly called “mums”, these richly hued plants are true sign       of fall. When buying mums, look for ones labeled “hardy mums” or “garden mums” for the best chance of having them thrive throughout the season.  Plant them as soon as you buy them.  Late August is not too early.  Given the opportunity to develop a strong root system, they will last longer. When to Plant Mums

Helenium: Part of the daisy family, this cheery flower blooms in yellow, orange and red bringing a vibrant ambiance to your garden. These tough, easy-to-grow perennials bloom late in the season and last a long time.

Asters: Available in a variety of hues in shades of pink, purple, blue and white, these perennials bloom from mid to late fall.  Loved by bees, butterflies and other pollinators, they provide a late feeding opportunity for them.   Plant them as soon as they are available in early fall so that they can establish a strong root system.

Pansies: One of the most popular cool weather annuals, pansies are favorites for fall flowerbeds. They are very hardy and can continue to bloom through winter and into spring, thereby adding lively color to your garden almost year ‘round! The ideal time to plant pansies in hardiness zone 8 is late October.

With temperatures cooling a bit, now is a great time to get outside and bring a bold, beautiful autumn aesthetic to your flower beds!

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

​Life these days is far from normal.  Many of us are staying home more than usual in order to stay as safe as possible and that means “home” can start to feel isolating. Do you daydream about getting away to a peaceful haven, far from the drudgery of day-to-day life?  Sadly, wishes and dreams will not take you there, but you CAN create a tranquil retreat at home. Here are some tips for turning your living space into a calm and soothing oasis:

• Use Relaxing Colors - Soft colors like watery blues and greens create a sense of serenity in a room.  But they are not the only relaxing colors.  If you do not care for blues, use gentle hues like rose, taupe, peach or mocha. 15 Calming Paint Colors to Help You Chill Out
   
• Store Things Out of Sight - Loud sounds are not the only “noise” that can ruin a serene atmosphere. Visual noise consists of anything you can see that results in you feeling stressed or anxious. Get rid of the visual noise, and your space will feel calmer. Utilize closed storage for the majority of your belongings and choose only special items to keep on display.  Remember that chaos on the outside = chaos on the inside.
   
• Use Solids and/or Subtle Patterns – If you are seeking to create a calm aesthetic in a room, stick with solid colors or subtle patterns in muted tones.  There is nothing wrong with a bright, colorful, busy pattern, but you may find it distracting when you are trying relax and rejuvenate.  Keeping it simple will go a long way toward designing the peaceful vibe you are going for.
   
• Use Gentle Lighting – Nothing feels less relaxing than walking into a room filled with bright, harsh lighting. Natural light is best, so keep window treatments open during the day to let the sunshine in. But as it gets dark out, instead of turning on a blazing overhead light, trying using string lights, candles, lamps and lanterns for a soft glow. How Lighting Affects Mood
   
• Create an Backyard Retreat – Nothing is more relaxing than spending quiet time in the fresh air on a beautiful day.  When the weather cooperates and presents you the gift of a gorgeous day, being able to step right outside your door to enjoy it is a wonderful thing!  When designing your outdoor space, be sure to incorporate privacy, comfy textures, pleasing aromas, and lots of plants.  Add a water feature to enjoy the soothing sounds of water. Twenty-four Outdoor Water Feature Ideas
   
• Find a Place to Hide Your Tech – You may not be able to put your tv “away”, but smaller tech items like phones, tablets and laptops simply need to go bye-bye when you are trying to relax. Find an out of the way drawer or cabinet where these items can be stored so that they will not be a tempting distraction when you are trying to unwind and de-stress.  Trust me, spending time away from screens might be the best thing you do for yourself!

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo Credit: Roberto Nickson/unsplash.com

They say that a cluttered environment leads to a cluttered mind. Clutter overloads your senses, just like multi-tasking overloads your brain. And overloaded anything leads to stress and anxiety. And with everything going on in our world right now, the last thing anyone needs is more stress and anxiety! With that in mind, here are some simple, inexpensive ways to hide the clutter in your home, leading to less mess and less stress! The Cost of Clutter in Your Life

• Use toilet paper rolls to store cables and cords. This is a great way to keep your cables and cords organized.  Simply wrap them around your fingers, stuff them into the toilet paper rolls, then place them in a basket, container or drawer. You can even label what each cable/cord is for on the toilet paper roll!
   
• Put shelves in the corners. Corner shelving not only looks nice, but it is a great space saver.  Put those empty corners to use and utilize shelves to hold books, plants, toiletries or anything you may want to display.
   
• Take advantage of the space under your beds.  Invest in some under-the-bed storage and you will be amazed at how much you can “hide” under there!  It’s a great place to store out of season clothing, extra sheets and towels and anything else you want out of sight.
   
• Get shoes out of the way by purchasing a shoe cabinet. If your family removes shoes when entering the house, you can end up with footwear scattered everywhere. A shoe cabinet in the foyer or entryway will provide an attractive piece of furniture that will keep the floor free of shoes.
   
• Choose furniture that will double as storage.  For example, many ottomans open and have space to store things like blankets, pillows, magazines etc.  You can also find end tables that have drawers and shelves, or a chest-style coffee table that has storage inside.
   
• Use a vanity tool holder in your bathroom.  It’s easy to let a bathroom get cluttered; especially if you have a small vanity with little space.  You can get many items off the counter by using a vanity tool holder that hangs on the door under the sink. Hair Tool Storage
   
• Create multi-level storage by using a decorative cake stand in your bathroom.  Depending on the number of levels on the cake stand you can have up to three times the space for your personal hygiene and make up items.
   
• Do you have a tiny shower?  If you have no room in your shower for your shampoo, conditioner and soap, try using a shower curtain with pockets.  This will prevent you from having to place your shower items on a surface outside the shower.

Use these easy hacks and destress by decluttering!

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo Credit: wbfj.fm

Have you been thinking about painting some rooms in your home?  You may want to keep in mind that the colors in your home can have a huge effect on your moods. The shade of your walls has been show to affect emotions. For example, there are certain colors that will bring you down; ones that will help you relax; and even some that will suppress your appetite. Room Color and How it Affects Your Mood

Here are some color ideas for you that will promote a joyful environment:

Yellow for HAPPINESS

Yellow is a natural source of positive energy and sparks feelings of happiness. Shades of yellow can also activate metabolism and boost thinking. Be careful with how much you use though, because yellow can also be fatiguing to the eyes if overused or overly bright.

Photo Credit: pinterest.com

Sky Blue for RENEWAL

Pale blues are calming and help to restore natural rhythms.  Sleeping well contributes to productivity and overall well-being.  Calming blues have soothing and restorative qualities that help you rest better.

Photo Credit: decorpad.com

Violet Black for MINDFULNESS

While it may appear dark and moody, a hidden undertone of violet in a dark background draws you in and provides a sense of escape and relaxation.  This color also creates a space for focus and reflection.

Photo Credit: pinterest.com

Yellow-Green for OPTIMISM

This combination of green and yellow captures the essence of spring’s first bloom and the anticipation of renewal.  These colors bring positive energy into a space and stimulate personal growth.

Photo Credit: houzz.com

Silver-Sage for BALANCE

The blend of sage green and silvery gray provides balance and harmony.  These are the perfect colors for a peaceful, refreshing and tranquil living space.

Photo Credit: pinterest.com

For more color ideas, check out: Eight Paint Colors That Promote Wellness at Home

Whether you plan to paint for your own health and happiness, or you’re sprucing your house up to put it on the market, choosing the right colors can make all the difference in the world!

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

When you purchase a home, you are not only choosing where to live, you are making a financial investment as well. Home equity is the percentage of your home value that you own and with each mortgage payment you make you are contributing to your own financial savings.  The goal is to build up as much equity as you can so that when you sell your home, you will make a nice profit!  Here are some tips for building home equity:

• Take Out a 15-Year Mortgage Loan - It’s common for people to choose a 30-year mortgage because many believe a 15-year mortgage is out of their budget.  However, it can’t hurt to ask your mortgage lender to run the numbers to see if a 15-year mortgage is doable for you.  You might be surprised to discover that the shorter term is within reach.  Sticking to a budget that allows you to pay off your house in half the time will build equity faster and will certainly pay off in the long run! 32 Hacks for Sticking to Your Budget
   
• Pay Down the Principal - Build equity faster by paying down your home loan quicker.  Even if you don’t have the ability to take out a 15-year mortgage, you can still make extra mortgage payments when you have the means to do so and the difference extra mortgage payments can make toward building equity are huge. If you make just one extra payment toward principal each year, you can potentially pay off your home loan seven or eight years ahead of schedule.  There are ways to do this without breaking your budget.  For example, you can use a tax refund or a work bonus.  Another way to do it is to simply add a small amount to your principal payment each month.
   
• Make a Larger Down Payment - Depending on your credit standing, you can qualify for a conventional mortgage loan with a down payment as low as 3%, and an FHA loan with a down payment as low as 3.5%.  While it’s tempting to buy a house with a low down payment so that you have more cash on hand, the pros of making a larger down payment may outweigh the cons. The larger the down payment, the faster you build equity.  The faster you build equity, the more profit you will make should you have to sell your home before paying it off.
   
• Make Improvements on Your Home - Making home improvements is a good way to add value to your property.  It’s important to educate yourself about what home improvements give you the best ROI (return on investment).  For example, per Chris Terrill, CEO of HomeAdvisor, “a minor kitchen remodel is one of the best investments homeowners can make.”  “Projects including refinishing cabinets, updating the countertops and installing new appliances all provide high return without breaking the bank.”  Other home improvements that add value to your property include replacing garage doors, adding a bedroom, updating a bathroom and installing new windows. And don’t underestimate the value of curb appeal!  A professionally landscaped yard will not only help with a quick sale; it can also add up to 20% to your home’s value! Which Home Improvements Pay Off?

Owning a home is likely the largest financial investment you will make, and the more equity you acquire, the more wealth you will generate.  You can utilize your equity as a nest egg for the future or it can be used as a cash down payment on your next home.  Use these tips to build up your savings an enjoy this wonderful perk of home ownership!

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo Credit: achievalife.com