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Indoor Plants that Can Improve Your Health

by The Hat Team

Even during the spring, people spend a lot of time indoors. And while it is important to spend time outside to get fresh air, you may want to do something to improve the quality of the air IN your home. If you enjoy gardening, you don’t have to limit it to outdoors.  There are lots of houseplants that will aid in the removal of pollutants floating around your home.

  • English Ivy


Used as a houseplant, this elegant beauty is excellent for removing harmful chemicals that can be found in the home. It will grow in full shade to full sun, so you will have lots of flexibility in placement. With proper care, it can survive for many years.

  • Bamboo Palm


This plant prefers part sun or shade. It removes harmful elements such as benzene and formaldehyde.

  • Chinese Evergreen


This pretty, easy-to-care-for plant thrives in low to medium light. It can grow to one or two feet. While it helps maintain healthy air quality, it also can be toxic to pets, so if you have fur-babies at home, keep this plant out of their reach!

  • Gerbera Daisy


These delightful flowering plants will remove benzene from your home while adding a cheerful vibe! But they like to be warm, doing their best in temperatures of 75 degrees or higher.

  • Mother-in-Law’s Tongue (also known as “Snake Plant”)


Despite the interesting moniker, this hardy succulent is a great houseplant for beginners (or those who don’t have green thumbs) because it can survive in even the toughest of conditions. Just be careful not to over water it.

  • Peace Lily


Honestly, we can never have too much PEACE! This lovely plant not only brings to mind the beauty and hope of spring, it fights against toxic gases like formaldehyde and carbon monoxide. They are easy to care for and will droop when they need watering. They can be a bit toxic to pets and humans, so you should wash your hands after touching it.

  • Spider Plant


Bring on the green with this houseplant that thrives in bright, indirect light and will remove harmful pollutants like formaldehyde and benzene. Keep its soil damp, but not soggy and it will last a long time!

It is important to be very conscious of taking care of ourselves and the environment we live in. Use these houseplants for health and improve your air quality at home today!

If you are in the market to buy or sell a home (or both), let me Sandra Nickel, and my Hat Team of Professionals assist you with all your real estate needs! Call us today at 334-834-1500 and check out https://www.homesforsaleinmontgomeryalabama.com for more information.

Spring Curb Appeal

by The Hat Team

Spring has arrived and with the weather warming up, now is the time to start sprucing up your yard for curb appeal. Here are some tips for how to rid your yard of that wild, unattended winter look and replace it with a space that is sure to impress!

  • Send Winter Packing

Pull out your rake and remove all the debris of winter. Leaves, pinecones, sticks etc. are not appealing and ridden your yard of all that mess will have it look tidy in no time.

  • Declare War on the Weeds

Weeding is no fun, but it’s a necessary part of maintaining your lawn and garden. Taking the time to clear your yard of weeds will not only make it look nicer, it will also show that you take pride in all aspects of your home.

  • Time for a Trim

It is time to start cutting your grass regularly again. Healthy, even grass is attractive and gives the yard a pleasing appearance. Don’t forget to trim the edges as well to complete the look.

  • Quench That Thirst

It’s important to keep your grass hydrated. It will become dry and a dull shade of green if it is not watered regularly. The same applies to your garden. Pay special attention to areas that are sheltered and do not get as much moisture when it rains.

  • Dress it Up

Planting seasonal plants and flowers will dress up your yard and enhance curb appeal. You can choose perennials that will come back every year or, for longer blooming plants, annuals that last for one season. Better yet, use a combination of both!

  • Prune Away

Trim back any large shrubs, trees, or plants to frame your house in a way that is inviting. Pruning allows for new growth and deters pests and animal infestation. It also promotes healthy growth into a natural shape for the plant.

  • Mulch it Up

Once you have planted and pruned, mowed, and edged, it’s time to spread mulch around your garden beds. Mulch helps to keep moisture in your plants and makes the garden easier to maintain. Make sure you choose a mulch that compliments your garden type and style.

Spend some time working in your yard now and not only will you save yourself from having to do it in the sweltering heat of summer, but you will be able to enjoy your outdoor spaces throughout the spring and summer season.

If you are in the market to buy or sell a home (or both), let me Sandra Nickel, and my Hat Team of Professionals assist you with all your real estate needs! Call us today at 334-834-1500 and check out https://www.homesforsaleinmontgomeryalabama.com for more information.

Enjoy Outdoor Living This Spring and Summer

by The Hat Team


Spring is here and summer is just around the corner and many people enjoy spending time outdoors to savor the warmer weather. Unfortunately, there are some not-so-pleasant aspects of spending time outside such as bugs, rain, and hot, humid days. Whether you have a deck, patio or simply a great yard, the following tips will help make the time you spend outside more comfortable in any situation:

BUGS

Yuck. Whether you are hosting an alfresco dinner party or simply trying to relax with a good book on your deck, nothing will send you running back inside faster than nasty, annoying bugs.  If mosquitoes are a problem in your area, dealing with them is imperative if you want to be able to enjoy the outdoors. Screening in a porch is an ideal way to be able to feel like you are outside without all the awful bug bites. Other ways to keep insects away:

  • Do not keep any standing water on your property.  Even a single forgotten flowerpot full of rainwater can become a mosquito breeding ground.
  • Make water features running rather than standing or treat them with mosquito prevention.
  • Install ceiling fans on porches - flies and mosquitoes do not like moving air.
  • Hire a pro! If you are unable to spray your yard yourself or would rather the process be handled by an expert, consider calling a professional. I use Mosquito Authority to spray periodically.


USE OUTDOOR FABRICS IN EXPOSED AREAS

If your porch is covered, you may be able to get away with using more delicate furniture and cushions not specifically made for outdoor use.  But if your seating area is exposed to the elements, you will want to invest in fabrics and furniture made for outside use.  They will likely be more expensive, but they won’t fade in the sun, will resist stains and are water resistant.  The cushions are stuffed with material that sheds water easily so that they won’t stay waterlogged if they get wet.

UTILIZE A STORAGE BENCH

While outdoor cushions are designed to stand up to repeated soakings, they will still be wet for a while directly after a rainstorm.  You can avoid having to sit on damp cushions by keeping them in a covered storage bench when you know there is a chance of rain.  If they won’t fit in a storage bench, lean your larger cushions against the wall of the house.  Do the same with any lightweight folding chairs.

MASK SOUNDS WITH RUNNING WATER

If noise is an issue that prevents you from indulging in a peaceful outdoor experience, try using a water feature to drown out the distraction.  Water is a great way to gently camouflage sounds from close neighbors. Try installing a small fountain near your seating area for a more tranquil atmosphere.

MUSIC

If the water feature doesn’t appeal to you, soft music playing in the background can be just as effective at masking sounds.  With wireless speakers, you don’t even need an outlet to play your music.

SHADE

Even when you are craving the warmth of the sun, sitting outside without any shade on a hot, sunny day will send you running for the AC before too long.  There are a lot of options for adding shade to your yard.  Try freestanding umbrellas, a cloth overhang, lattices, a shade tree, or a pergola.


PUT TOGETHER AN OUTDOOR DINING KIT

Dining alfresco will be easier if you have a kit ready and waiting.  Put your frequently used outdoor items in a basket or on a big tray with handles so you can just grab it and go.  Here are some things to include:

  • Unbreakable wineglasses and plates
  • A carafe for water, wine or tea
  • Big napkins
  • Candles and matches or a lighter
  • A wicker or mesh dome-shaped cover to keep flies off the food
  • Unbreakable outdoor serving pieces
  • A bottle opener

HAVE BLANKETS FOR CHILLY EVENINGS

Keep some blankets nearby.  Old wool camp-style blankets, light weight Kantha Quilts , or fringed throws work well. Your guests will thank you on chilly evenings in the garden!

HAVE ADEQUATE NIGHTTIME LIGHTING

Your outdoor space will really come alive at night with the right lighting.  Try placing lighting under a bench seat for subtle illumination, make a ring of lanterns on the grass around your dining table or hang strings of lights overhead.  Landscape lighting will add to the ambiance as well.

If you are in the market to buy or sell a home (or both), let me, Sandra Nickel, and my Hat Team of Professionals assist you with all your real estate needs! Call us today at 334-834-1500 and check out https://www.homesforsaleinmontgomeryalabama.com for more information.

True or False? Homeowner Tax Myths

by The Hat Team

While there are many perks to home ownership (and tax breaks are a big one!), people who are beginning the journey of purchasing a home may be easily misled by common homeowner tax myths.

First, it is important to note that owning your own home does come with tax benefits. For example, a conventional loan’s PMI (private mortgage insurance), the VA loan funding fee, the USDA loan guaranteed fee, and FHA loan upfront mortgage insurance premiums are each tax deductible per the IRS. But as a first-time homeowner, it’s important that you educate yourself on extended tax benefits so that you will know what you can and cannot deduct. Because, unfortunately, some things you might have heard about homeowner tax perks may not be true.


MYTH: DEDUCTIONS ALWAYS CUT YOUR TAX BILL IN HALF

TRUTH: While it is possible for your home ownership deductions to reduce your tax bill, it is not a guarantee. In order to claim deductions, they must add up to more than the combination of the standard deduction and non-home related write-offs, such as sales taxes or charitable donations. You also will have to itemize your deductions.  Timing, in this case, is everything. For example, if you close on your home in April, you will make several mortgage payments throughout the tax year and chances are that you will exceed the standard deduction and write-offs, in which case your tax bill will be reduced. But if you close in November, you might only make one mortgage payment in the taxable year and you likely won’t exceed the standard deduction, meaning this is one homeowner tax perk that you won’t be able to enjoy until the following tax year.

MYTH: EVERY PAYMENT MADE AT CLOSING IS DEDUCTIBLE

TRUTH: Some closing costs are deductible. Not every fee you pay at your home closing can be written off.  The following closing costs ARE deductible: real estate taxes, mortgage interest, and PMI (private mortgage insurance). You will not receive a tax break for your homeowner’s or flood insurance premiums. The same applies to appraisal fees, escrow accounts for property insurance and taxes, and title insurance.


MYTH: HAVING A HOME OFFICE IS A GUARANTEED DEDUCTION

TRUTH: Having a home office can indeed provide a deductible…for those who qualify.  You must keep in mind that the IRS’s definition of a “home office” is very specific. The following will qualify you for a home office deduction: you are self-employed, own a small business, work from home and have turned one of your home’s rooms into your office space. If you just work from your couch with your laptop, it doesn’t qualify as a “home office” in the eyes of the IRS.

If you fill out a W-2, your home office is NOT deductible.

Purchasing your first home can be an overwhelming and sometimes intimidating process. Educating yourself about homeowner tax breaks is one step you can take toward becoming a knowledgeable, prepared home owner.

If you are in the market to buy or sell a home (or both), let me, Sandra Nickel, and my Hat Team of Professionals assist you with all your real estate needs! Call us today at 334=834-1500 and check out https://www.homesforsaleinmontgomeryalabama.com for more information.

Your Guide to Having a “Smart” Home

by The Hat Team

I remember watching The Jetsons when I was a kid and being fascinated by the idea of being able to actually see somebody when talking to them on the phone. And a robot maid? Who wouldn’t want one of those?!  I had no idea that in my lifetime, the things I saw on that cartoon fantasy would become a reality. Technologies like FaceTime and Skype allow us to see our loved ones no matter how far away they are. And while we may not have live-in robot maids (yet), things like robot vacuum Roomba have made house cleaning a breeze. Technology moves fast and sometimes it’s hard to keep up with all the options available to make life easier and safer.


If you’ve been thinking about turning your house into a “smart home”, but you don’t know where to begin, here are the basics to get you started:

  • Create your command center with a voice-controlled smart speaker. Smart speakers come equipped with smart assistants and they usually come with an app that will be a hub for all your smart-home devices. The speaker allows you to control them all with voice commands without having to log in to different apps.  You want to be sure that you use the right type of speaker based on the other technological services you use. For example, if you use an Apple HomePod, it will only work with Siri and iTunes and is only compatible with other iOS smart products.
  • If you feel like setting up your smart home is going to be too expensive to do all at once, then smart lighting is a good place to start. It’s relatively inexpensive and is one of the best applications for voice control. By using Smart Bulbs, you will not only save energy, but you can create a more secure home because you will be able to control your lighting remotely. You can also turn a basic light switch into a dimmer…think romantic ambiance! Once you make the one-time purchase of a small hub that is plugged in and connected to your router via Ethernet, all you have to do is replace your current bulbs with smart bulbs. The whole process just takes a few minutes, and since the hub can accommodate up to 50 bulbs, you will only need one. When purchasing the smart bulbs, make sure they are compatible with the smart assistant you are using in addition to making sure you are buying them in the correct size to replace the ones you have. Some brands, like Philips Hue offers starter kits that are compatible with Alexa, Google Assistant and Siri.
     
  • Invest in smart plugs. They will make almost everything easier! Smart plugs are adapters that turn simple appliances into smart appliances. With a smart plug you can control many of your devices from anywhere by simply using an app.
  • Smart home-security devices are a little more challenging to install but are worth it for the security they provide. A smart doorbell is a good place to start. It lets you monitor who is coming to your door whether you are home or somewhere else.  It uses a camera and an in-app calling feature that utilizes two-way audio and one-way video.
     
  • A larger expense comes into play when you desire large smart appliances such as washers, dryers, and refrigerators. Smart plugs cannot be used to control them. So, that means replacing current large appliances with new smart ones. And as you can imagine, that can be very costly.
     
  • Set up an IFTTT app. IFTTT stands for “If This, Then That”, and it adds an extra layer to your smart home.  Available on the App Store, Google Play and in a desk top version at IFTTT.com, this app will help you connect your smart home features in creative ways based on your personal needs. 

Keep in mind that this is a simple guide to begin the process of turning your house into a smart home. There are a lot of products available, so do your research and find the one that is the best fit for you and your family!

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information.

Become Debt Free and Reach Your Goal of Homeownership

by The Hat Team

As a Realtor, I love helping people purchase their first home. However, there are two major challenges that I see time and time again with first time home buyers:

  1. They often carry too much debt.
  2. They don’t have enough cash for a down payment.

These two issues are strongly related in that people need to reduce debts that inhibit them from saving money.


We all know that we shouldn’t spend more than we earn, but falling into the debt trap is easy to do. You see a pair of boots that you must have and you think, I will use my credit card now and pay for them with my next paycheck. It sounds reasonable at the time, but next thing you know you’ve done something like that often enough that there is a beastly credit card balance hanging over your head.

So, now you’re in debt. You have regrets, but no use doing the “should have, would have, could have” dance. Now it’s time to move forward and take the steps needed to reduce your debt. 

Here is a list of things to do to change the way you manage your money.  Follow these steps and before you know it you will be on your way to saving for a down payment on your first home!

  • STOP ADDING TO YOUR DEBT

The first step to getting out of debt is to stop adding to your outstanding balances. To remove temptation, carry only one credit card with you…and make sure it is the one with the lowest limit so that it is impossible to get into serious trouble with it. Leave any other credit cards in a safe place at home to keep yourself from going on an impulsive shopping spree.

  • TAKE AN INVENTORY OF YOUR SPENDING HABITS

This may not be a fun activity, but it is helpful to see how you are spending. Create a list of where your money goes each month including rent, utilities, car payments, food, credit cards etc. Once you have done this, split the list into two categories: bills you must pay every month and debts you need to pay off. The second list can then be organized in order of urgency, either based on outstanding balance or highest interest rate. Now you will have a clear picture of your debt situation.

  • ELIMINATE THE LARGEST DEBTS FIRST

Make a minimum payment for each of your credit card bills, but then make an extra payment on the bill that is at the top of your list. Do this monthly until that bill is paid in full. Now take the money you were using for that bill and start applying it to the second item on your list.Continue this until all of them are paid off.

  • CUT EXPENSES AND MAKE THE PAYMENT 

If you are already in debt, how are you going to find money for an extra payment?Well, some sacrifices will have to be made. Cutting back on extras like trips to Starbucks, entertainment and eating out can free up cash that can go toward that extra payment each month.

  • PREPARE FOR THE UNEXPECTED

Sometimes life is a struggle and unexpected challenges such as car repairs or medical expenses will pop up from time to time. As you cut expenses and start to save money, set up an emergency savings account just for these occasions. That way you will be prepared and won’t have to use a credit card and add to your debt.

  • LOWER YOUR INTEREST RATES

Give your credit card company a call to see if they will lower your interest rate. If they say no, shop around for a card with a lower rate and transfer your debt (be careful of transfer fees to make sure the transfer benefits you). You can also seek out a consolidation loan from your bank. They will pay off your debt and you can pay them back at a lower interest rate.

  • STICK TO IT!

As you see your debt decrease and see your cash increase, don’t fall back into old spending habits. As you have more money available, put it right into your savings and soon you will have the money you need for a down payment on your first home!

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information.

Don’t Let Your Electric Bill Break the Bank!

by The Hat Team

With the many expenses of being a homeowner, we all want to cut back where we can to lower costs. There are several ways to save on your electric bill. 


Try these tips to lower your bill:

Get an Energy Audit

Check and see if your utility company offers a free home energy audit. If so, it’s well worth it to have them come out. They can point out areas where you can trim your energy use. Home Energy Audit

Install Dimmer Switches

Dimmer switches will allow you to only use as much light as you need. How to Install a Dimmer Switch

Keep Your Fridge & Freezer Full

The food that you store in your fridge and freezer serves as insulation, so the more you have in there, the less your appliance must run to keep itself cold.

Install Ceiling Fans

If you keep the air circulating in your home, your AC will not have to work as hard to keep the house cool. You can also use your ceiling fan to keep warmer in the winter. To do this, reverse the motor in the ceiling fan so it rotates clockwise at a low speed. This creates an updraft which forces warm air near the ceiling down into your space. It won’t change the temperature in the room, but it will help keep you warm.  But don’t forget to turn the fan off when you leave the room to save even more electricity!

Cover and Repair Windows

If your windows are not insulated for cold weather, they can be a major source of lost heat from inside your home. Make sure they are properly sealed and weatherized to help prevent heat from escaping and cold air from coming in. You can use caulking on small gaps or apply weatherstripping to cover them.

Line Dry Your Laundry

Let “Mother Nature” dry your clothes for you on warm, sunny days. When that is not possible, try using a drying rack indoors.

Eliminate “Phantom Loads”

You may be shocked to know that about 75% of the energy used by home electronics is consumed when they are turned off. Some examples of these “phantom” users are: televisions, CD players, computers, and various kitchen appliances. The simple solution is to plug these items into a power strip and then turn the power strip off when not using them.

Install an Attic Fan

An attic fan will pull cool air into your home and help to remove hot air.

Shield Your Home from the Sun

You can cut down on air conditioning use by closing your curtains and blinds on the sunny side of the house. You may also want to consider planting trees that will provide shade during the sunny times of the day.

Schedule Yearly HVAC Maintenance

Having your HVAC inspected and cleaned each year will save you money in the long run…and it will help provide cleaner air to your home.

Change Your Filters Regularly


Filters should be changed every 30 days to keep your HVAC running at peak efficiency.

Switch to LEDs

LED light bulbs use 90 percent less energy than incandescent bulbs.  Switch out the bulbs you use the most in your home and then change the rest as they burn out.

Lower the Temperature of Your Hot Water Heater

13% of your home’s energy goes to heating water. You can lower this percentage by setting your hot water heater to 120 degrees.

Get a Programmable Thermostat


A programmable thermostat allows you to monitor and set your heat usage so that you are not heating an empty house while you’re away. If you don’t have a programmable thermostat, adjust it manually before leaving the house.

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information.

Make Your Home Your Happy Place

by The Hat Team

Life these days can be hectic and stressful for many of us. As you get through your work week, perhaps 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.

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. When it gets dark out, instead of turning on a blazing overhead light, trying using string lights, candles, lamps and lanterns for a soft glow.

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!

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.

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information!

Tips for Increasing the Equity in Your Home Faster

by The Hat Team

Your home equity is how much of your home that you “own”. For example, if you put down 20% on your home when you purchased it, that means you already have 20% of the home’s value of equity in the home. As you pay the loan down over the years, your principal loan value decreases while your equity increases. To calculate your equity, take the current appraised value of your home and then subtract what you still owe on your home.

Every month when you make your mortgage payment, you gain equity in your home. If you make full payments on time, your equity will grow as your principal loan decreases and at the end of the term of your loan, you will own your home outright. So, if you have a 30-year mortgage, you will own your house in 30 years. Building equity is one of the major perks of being a homeowner. It makes your home a valuable asset that you can use in the future to either buy a new home or make other large purchases. Some people even use their home equity to fund their retirement. But thirty years is a long time! If you want or need access to your money sooner, you can build your equity faster and here is how:

  • PAY MORE AGAINST YOUR PRINCIPAL MORTGAGE

By making extra mortgage payments, or paying more than you owe each month, you can decrease the amount of your principal balance and build equity faster. For example, if you make one extra mortgage payment a year, you could possibly pay off your loan ahead of schedule. Or, if you pay a little more than your required payment each month, you can also shorten the life of your loan. Say your required monthly payment is $2100. $2100 divided by 12 is $175. If you add $175 to each monthly mortgage payment, after 12 months you will have made one extra payment for the year, thus paying off your mortgage a little quicker! But be careful, because some loans have prepayment penalties for paying off your loan too much ahead of schedule. So, check into that before you decide to pay more on your loan.

  • WHEN YOU GET EXTRA MONEY PUT IT TOWARD YOUR LOAN

Extra money? Who has that? Well, you might if you get a bonus or a gift of money. Perhaps you can’t afford to put extra money toward your loan every month, but things like holiday bonuses or even a tax refund or an inheritance may give you the extra cash you need to make and extra loan payment. Just be sure that your money is going toward your principal and not your interest.

  • COMPLETE A HOME IMPROVEMENT PROJECT

There are some home improvement projects that can add significant value to your home, thus increasing the equity you have in your home. Even a small project can give you a huge return on your investment (ROI)

  • CHOOSE A 15-YEAR LOAN VERSUS A 30-YEAR LOAN

Just because a 15-year mortgage is half the time of a 30-year mortgage, that does not mean that your monthly payment will double. Have the mortgage lender run the numbers to see if you can swing the payments on a 15-year loan. If so, you will not only pay the loan off faster, but you will also pay less interest over the life of the loan, thus saving even more money!

  • MAKE A LARGE DOWN PAYMENT

While it may be tempting to take advantage of a loan that offers a low or no down payment, if you’re looking to build equity quicker, it is not the best choice. A large down payment will assist you in building equity faster. The more you put down, the more equity you begin with. If you can put at least 20% down, you get the added perk of not having to pay for PMI (Private Mortgage Insurance), which can be expensive.

Building equity is a huge benefit of being a homeowner. It’s like a forced savings account and can be one of the best investments you will ever make!

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information!

Fill Your Autumnal Garden with Vivid Colors Using These Flowers

by The Hat Team

Fall flowers 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.

  • 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 a 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. Given the opportunity to develop a strong root system, they will last longer.

  • 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 (or both), let me, Sandra Nickel, and my Hat Team of Professionals assist you with all your real estate needs! Call us today at 334-834-1500 and check out https://www.homesforsaleinmontgomeryalabama.com for more information.

Photo Credits: hgtv.com, marthastewart.com, etsy.com, gardenista.com, allaboutgardening.com

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