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Jan 18th, 2019

January is National Radon Action Month

Did you know that Radon Gas is the second cause of lung cancer after smoking? Take a moment and educate yourself on what radon gas is and how it can have an effect on your health! Read more: https://rismedia.com/2019/01/06/radon-action-month…

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Dec 17th, 2018

Should you save or should you pay off debt?

Simple math suggests it’s probably better to pay off debt before saving for retirement or adding to your emergency fund. Generally, if you’re paying more interest than you’re earning in interest, you’re losing money. But personal finance decisions are rarely so simple, and wiping out debt first isn’t the right choice for everyone. For example, having no emergency savings to fall back on sets you up to incur more debt when an unexpected expense comes up, such as a medical bill or a pricey car or home repair. Here are scenarios for when each choice—paying down debt or saving—makes more sense. When to Pay Debt Before Saving When you have high-interest consumer debt, paying it down first can help you solve ongoing problems with managing your money. You’ll get a guaranteed “return” by cutting your interest payments. It’s typically more than you’d earn in the stock market, and definitely more than you’d earn in a savings account. Identify your expendable income, create a budget based on that number and include paying down debt as a significant part of the equation. Consider opening a balance transfer credit card, which can allow you to consolidate all of your credit card debt onto one low-rate card and save you money on finance charges. Kevin Smith, executive vice president of Wealth Management for Smith, Mayer & Liddle, says it usually makes sense to prioritize debt reduction, but there are exceptions. “Paying down a traditional loan like a mortgage or student loan only reduces the outstanding principal and related interest costs,” Smith says. Making extra payments will save you money in the long run, but in the short term, it doesn’t cause your lender to recalculate and lower your monthly payments. When deciding whether to pay off tax-deductible debt versus saving, don’t worry about losing a tax deduction if you pay off the debt. The deduction is probably worth less than the annual interest you would have paid on the loan. When to Save Before Paying Debt There are a number of good reasons to save first and pay later, but the top reason is to build your emergency fund. If your debt has a very low interest rate, it may make sense to save first, says Melissa Joy, certified financial planner and founder of Pearl Planning, a financial planning and wealth management practice in Dexter, Mich. “If you don’t have any savings, focusing solely on paying debt can backfire when unexpected needs or costs come up,” Joy says. “You might need to borrow again, and debt can become a revolving door.” Experts recommend building an emergency fund of three to six months’ worth of expenses and stashing it in a savings account. Compare savings account rates to find the best fit. Another situation where it makes sense to save before paying debt is if you have access to a retirement savings plan through your job, especially if there’s an employer match available. Try to contribute at least enough to get the maximum employer match. Putting off saving for retirement until you are debt-free could cost you your most valuable asset: time. With compound interest, even small contributions to your retirement plan can grow significantly. The Ideal Approach The best solution could be to strike a balance between saving and paying off debt. You might be paying more interest than you should, but having savings to cover sudden expenses will keep you out of the debt cycle. Additionally, having sufficient savings provides peace of mind. Some people are unlikely to feel at ease with any strategy that causes their savings to fall below a certain level. For them, saving and paying down debt at the same time might be the best approach. ©2018 Bankrate.com Distributed by Tribune Content Agency, LLC

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Nov 29th, 2018

Kris Kullman named REALTOR of the Year

REALTOR of the Year is the highest honor that can be bestowed upon one of its members.The Award is presented annually to a REALTOR nominated by their peers and then selected by the REALTOR of the Year Committee.The Committee reviews all nominations taking into consideration the member’s involvement in civic affairs and participation in local, state and national committees.The committee also considers the member’s REALTOR spirit and business accomplishments. KLM Properties, Inc. wishes to congratulate Kris Kullman who was chosen as the 2018 REALTOR of the Year by the Morgantown Board of REALTORS.Krisi has been in the real estate industry since 1995 and this is the second time she has been awarded REALTOR of the YEAR by her peers.Kris chairs the Community Service Committee of the Morgantown Board of REALTORS and has been has been very active.She dedicates her time and energy to the betterment of the organization by attending WVAR State Conventions and volunteering her time on other various local committees. Congratulations Kris! Check out Kris Kullman’s video at: :klmproperties.com/videos

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Oct 22nd, 2018

Teal Pumpkin Project

Keep in mind this Halloween some children have allergies. The best way to support this is by jumping on the teal pumpkin movement. The teal pumpkin project was created in an attempt to make all trick or treaters feel included and bring awareness to all allergies they may have. Providing small toys instead of candy can help keep all children included🎃💙Consider painting a teal pumpkin and displaying it on your porch this Halloween!

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Feb 9th, 2018

Thinking of Selling Your Home? Step 1 - Get in in shape!

1. Tally the age of various items No matter how great your home looks at first glance, any savvy buyer will point to various parts and pop the question: How old? And since guesstimates won’t cut it, it’s time to gather some paperwork. If you’ve purchased your home in the past few years, check your home records or seller’s disclosure for the age or last repair of big items (namely your roof, HVAC system, water heater, and gutters), or dig up copies of your own maintenance records or receipts. How long items last depends on a lot of factors such as the model and how well it’s been maintained, but you can get a general idea of average life span from the National Association of Home Builders. For example: Wood shingle and shake roof: 15 to 30 years Central air-conditioning unit: 15 years Electric water heater: 14 years Gutters: 30 years 2. Do your own walk-through Channel Sherlock Holmes and go through your home, room by room. Look for signs of damage that might drag down its value. Chandler Crouch, broker for Chandler Crouch Realtors in Forth Worth, TX, suggests looking for these common problem spots: Wood rot around outside door frames, window ledges, and garage doors. Condensation and rain can cause these areas to weaken and rot. Water stains on the ceiling or near doors and windows. This can indicate a leaky roof or rain seeping in from outside. Leaks under sinks or around toilets. Bulges under carpet or discoloration on hardwood floors, which can indicate flooding problems or an uneven foundation. Next, test what’s called the “functionality” in every room. For example, “Cracks visible in the walls and floor, doors that don’t shut right, broken handles on cabinetry, basically anything that doesn’t work perfectly should be repaired,” Crouch says. And don’t forget to inspect the outside. “A lot of sellers skip the outside, but it is so important. That is where buyers will make their first impression,” says Darbi McGlone, a Realtor® with Jim Talbot Real Estate in Baton Rouge, LA. 3. Bring in the pros Once you’ve done your own walk-through, you may want to have a pro take a second look. These people can spot flaws you overlooked, because either you’re used to them or you didn’t realize they could cause trouble. You can enlist a Realtor or hire a home inspector to do an inspection (or pre-inspection) to pinpoint problems from bad wiring to outdated plumbing. While the cost varies, people pay $300 to $500 for a home inspection. Go to the National Association of Home Inspectors to find an inspector in your area. It may cost a bit, but it will buy you the peace of mind of knowing you’re not in for any surprises down the road. In fact, having a home inspection report handy to show buyers can inspire confidence that they (and you by association) aren’t in for any nasty surprises as you move toward a deal. 4. Decide what needs renovating Once you know what in your house could stand for repairs or upgrades, it’s time to decide where to infuse some cash. Don’t worry, not everything needs to be done before your home’s on the market. And while you’re probably not jumping at the idea of renovating a property you’re going to sell, certain fixes will give you an edge over the competition, which means more/better offers. Remember, real estate is an investment! But don’t just obsess over the obvious—e.g., your kitchen could stand for new cabinets. After all, many buyers will want to tweak cosmetic details to their own tastes, so you could be throwing money down the drain. Instead, focus on fix-its that are less susceptible to personal preferences that buyers like to know are in good shape. For example, a recent study by the National Association of Realtors® found that upgrading hardwood floors reaps an estimated 100% return on investment, essentially paying for itself. Upgrading your insulation can net you a 95% ROI, a new roof a whopping 105%! Because what buyers don’t like to know they’ve got a solid roof over their heads?

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Jan 3rd, 2018

5 Rules to Consider When Making an Offer

To nail a perfect home in today’s housing market, follow these five new rules. Rule No. 1: Prepare for a marathon house hunt With today’s low housing inventory and strong buyer demand, it might take you three to six months to buy a house—and maybe even up to a year in some of the country’s tightest markets. Prepare accordingly. You’re more likely to encounter a multiple-offer situation today than in years past, vastly complicating many negotiations. So don’t presume you’ll be moving any time soon. If you do have a fast-approaching deadline for moving, you’d better get started on your home search. Like, now. Rule No. 2: Secure financing before you start shopping Gone are the days when you’d waltz into home showings without securing your financing first. If you need a mortgage to buy a home, you’ll want to get pre-approved for a home loan before you set foot in a home. The reason: Without a lender’s pre-approval letter in hand, buyers will have a hard time getting sellers to take them seriously. Your offer, though sincere, could easily fall through for lack of funds. We told you it’s a competitive market, right? To survey your mortgage options, meet with at least three lenders—which could be banks, credit unions, mortgage brokers, or any combination thereof (you can get recommendations from your real estate agent). You’ll want to get a good-faith estimate, which breaks down the mortgage’s terms, including the interest rate and fees, in order to make an apples-to-apples comparison for the best deal. Here’s more on how to shop for a mortgage. Rule No. 3: Don’t lowball your offer Bargain hunters, beware: If you’re making an offer on a home that’s priced to sell—meaning it’s listed at, or slightly above, fair market value—you should present your best offer . All that said, real estate markets vary by area, so look to your agent for advice on how much to offer. You can also check particular neighborhoods on realtor.com/local to get a base line for median home prices and more. How long a house has been on the market can make a difference, too. If a home has been listed for more than 30 days, that might mean it’s overpriced—and that means you might have a little room to negotiate on price. Rule No. 4: Curb the contingencies When buyers make an offer, they can tack on contingencies—terms that must be satisfied before a deal goes through. For instance, you might require that the place pass a home inspection to ensure that it doesn’t need tons of repairs. If you’re getting a mortgage, your lender will require you to include an appraisal contingency where an appraiser makes sure the house is worth what you’re paying. All in all, contingencies protect buyers, but sellers don’t always like them because they insert many “what ifs” into the deal, which might mean it falls through. Since this is a seller’s market, buyers can stand out by attaching fewer contingencies to the deal. Not the biggies, of course, but ones that don’t really matter to you. For instance, you might want to consider letting go of a lead-based paint inspection since you can clean up this problem yourself. Or, many buyers may include a contingency that they have to sell their own home before the deal goes through; consider waiving that if you can. Rule No. 5: Move fast There’s no time to waste. In many cases, “a seller will list their house on a Friday, do a couple open houses over the weekend, and then review all offers on Monday,” says Yee. That could mean you have just a few days during which to view the property, confer with your agent, and submit an offer. So if you’re serious about buying a house, you need to be ready to pounce.

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Nov 29th, 2017

Now is the Time to List Your Home - Housing Market Remains Stable

Thinking of listing your home? Now is the time! Existing-home sales increased by 2 percent in October, their strongest gain since earlier this summer, but continued supply shortages led to fewer closings on an annual basis for the second straight month according to the National Association of REALTORS. Call one of our knowledgeable REALTORS for a complimentary Competitive Market Analysis of your home!

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Jun 7th, 2017

A new place in Morgantown to call HOME!

Announcing Frederick Place, Morgantown’s newest community located in Sabraton! Newly constructed homes priced from the low 200’s. Building a new home at Frederick Place is easy and affordable with TJ Contracting…..call our office for details!

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Sep 8th, 2016

Sales Are Up In July

WASHINGTON (August 31, 2016) — Pending home sales expanded in most of the country in July and reached their second highest reading in over a decade, according to the National Association of Realtors®. Only the Midwest saw a dip in contract activity last month. The Pending Home Sales Index,* a forward-looking indicator based on contract signings, rose 1.3 percent to 111.3 in July from a downwardly revised 109.9 in June and is now 1.4 percent higher than July 2015 (109.8). The index is now at its second highest reading this year after April (115.0). Lawrence Yun, NAR chief economist, says a sizable jump in the West lifted pending home sales higher in July. “Amidst tight inventory conditions that have lingered the entire summer, contract activity last month was able to pick up at least modestly in a majority of areas,” he said. “More home shoppers having success is good news for the housing market heading into the fall, but buyers still have few choices and little time before deciding to make an offer on a home available for sale. There’s little doubt there’d be more sales activity right now if there were more affordable listings on the market.” Adds Yun, “The index in the West last month was the highest in over three years 1 largely because of stronger labor market conditions. If homebuilding increases in the region to tame price growth and alleviate the ongoing affordability concerns, the healthy rate of job gains should support more sales.” Recent residential construction data shows that the size and costs of new homes has moved downward over the past year. According to Yun, this is an early indication that homebuilders are beginning to shift away from building larger, more expensive homes for the upper end of the market to focusing more on properties geared for buyers in the middle and lower price tiers. “Realtors® in several high-cost areas have been saying for quite a while that there is robust demand for single-family starter homes and townhomes at an affordable price point for young buyers,” adds Yun. “The homeownership rate won’t move up from its over 50-year low 2 without a meaningful boost from first-time buyers, whose participation has yet to noticeably increase so far this year despite mortgage rates near all-time lows 3.” Existing-home sales this year are forecast to be around 5.38 million, a 2.8 percent increase from 2015 and the highest annual pace since 2006 (6.48 million). After accelerating to 6.8 percent a year ago, national median existing-home price growth is forecast to slightly moderate to around 4 percent. Regional Breakdown The PHSI in the Northeast moved up 0.8 percent to 96.8 in July, and is now 1.1 percent above a year ago. In the Midwest the index decreased 2.9 percent to 105.8 in July, and is now 1.1 percent lower than July 2015. Pending home sales in the South inched higher (0.8 percent) to an index of 123.9 in July and are now 0.4 percent higher than last July. The index in the West surged 7.3 percent in July to 108.7, and is now 6.2 percent above a year ago. The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1.1 million members involved in all aspects of the residential and commercial real estate industries.

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