Thomas Murphy - Pine Shores Real Estate



Posted by Thomas Murphy on 5/21/2017

Moving is tough for many reasons, from bidding on a house to packing up all your possessions stress is bound to happen. However, for children, it can be more stressful. Change can be harder for them to deal with and they can feel lost in the bustle of the move. There are a few things you can do for your child to ensure that the moving process goes smoothly for both them and you: Model behavior - Project a positive attitude about moving will demonstrate to your child that this is a positive event for them to look forward to, children pick up on the behavior of the adults in their lives and signaling to them that is a time they can anticipate with excitement with your behavior about moving can go a long way. Have conversations - Take the time to talk with your child about moving and what they can expect about a month before the move date. Be open to their thoughts and feelings and give them some space to feel upset. Explain the moving process to them in a simple way that they can understand, perhaps with a story played out with their toys. Ensure to not only tell them what will change but also what will stay the same. The more they know what to expect of the days leading up to and after the move the more comfortable they will feel with the process. Get them involved - If possible include them in the house hunting process by showing them pictures of the new house. If you are moving to a new town or state show them pictures of the school they will attend and the nearby parks. If it is nearby, explore the new neighborhood together and make visits to the new house a few times before moving day. Keep things similar - If your child doesn't deal well with change try to keep the same furniture and arrange in a similar layout as their old room. Prioritize having your child's room in order before the rest of the house so that they have their own space to feel comfortable in the new house right away. Unpacking their favorite toys or blankets first can help them feel more at home. Sticking to the same routines where possible is also ideal. On the other hand - Allowing your child to pick out new furniture and paint colors for their new room can help them get excited about the new move and give them some control amidst so many changes. Making friends - Practice with your child how to introduce themselves to other children. Get involved with the new community and allow your child to signup for any activities that interest them. Arrange times for phone calls or to write letters to friends and family from your old neighborhood so they feel in touch with those they care for. While moving can be a stressful time for the whole family, it can have a large impact on a child. Making time for conversations and including them in the process can not only help them feel more at ease with the moving process but also deepen your relationship with your child as you go through this life event together.




Tags: moving tips   moving   children  
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Posted by Thomas Murphy on 5/14/2017

In a culture where more is more minimalism has a certain appeal albeit one that can also feel intimidating. Not only do we add sentimental value to many of the items in our home but we also accumulate piles of it as the years pass. It can be overwhelming to even think of cutting down on the clutter. Minimalism doesn’t have to mean an all white house devoid of knick-knacks or a lifestyle only for those couples who opt to forego having children, however. By using the tips and tricks listed below you can create a happy balance in your home that is inspired by minimalism. Uncluttered surfaces. Part of the appeal of minimalist homes is how neat and clean they are. Everything is intentionally placed and countertops aren’t filled with gizmos and gadgets. You can easily give your home the same feel by giving everything you own “a home”, that is, a place that it will always be returned to when not in use. Create storage space in drawers, cabinets and consider investing in furniture that pulls double duty with hidden storage inside. By creating storage that is out of plain sight you allow yourself the sleek, clean look of a minimalist home without tossing out half of your belongings. Quality over quantity. So many purchases we make eventually get pushed to the back of closets after the excitement of a new item wears off. The next time you go shopping, opt for quality over quantity. Whether this is with household items, clothes or toys for your children you can choose just one “category” to start. Knowing your family’s lifestyle will really help aid in the decision process of what items will get the most use so that you can then choose one that is well made. Minimalism does not equal boring. You can still have decorations, paintings and knick knacks while maintaining a minimalist home. Keep what you truly love or items that hold value to you and place them somewhere in the open where they can truly be enjoyed. Arranging the items you keep on display artfully creates an air of intention instead of clutter. Keep decluttering. Don’t let this be a one-off project. Each month take some time to assess your home. You will be sure to find more and more you can get rid of as time goes on and you become more comfortable with having less stuff in your home. Easily decrease the amount of things you have by clearing out duplicates. Think towels, kitchen items, cleaning supplies, etc. Ask yourself if you use this item every three months, and if it’s not a seasonal item, consider donating it. Keep in mind that this process doesn’t have to be a big project where you makeover your entire house. You can always begin with one room at a time or even just one area of a room. Shop less. This step is one you can proactively and easily work on each week. Every time you go shopping assess the items you are putting into your cart whether it’s a physical one or online. Ask yourself if these are must have items and envision them in your day to day life. If you can’t see yourself reaching for it time and time again, put it back on the shelf. When looking at sleek minimalist homes featured in the glossy pages of a magazine you might be tempted to think your home can never achieve a similar look. However, this is not so. With a dedication to the process of decluttering over time and making smart purchases, you too can have a minimalist inspired home before you know it!




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Posted by Thomas Murphy on 5/7/2017

Like it or not, selling your home can be a tumultuous time. As such, you may experience a wide range of emotions after you add your house to the real estate market.

Some of the most common feelings that home sellers may experience include:

1. Excitement

Selling your home can be exciting. In fact, the home selling process represents a time of change, one that enables you to move on to bigger and better things.

For home sellers, the sheer volume of home selling options may excite you as well. At this point, you'll need to consider the asking price for your home, whether to complete various home improvement projects and other home selling essentials. Plus, you'll need to consider where you'll go after you sell your residence.

With an experienced real estate agent at your disposal, you should have no trouble staying excited throughout the home selling process. Your real estate agent will ensure that you have a plan in place to sell your house and relocate after it sells.

Furthermore, your real estate agent will keep you informed about home showings, offers on your residence and much more. He or she will do everything possible to stir up interest in your home and create plenty of excitement about your residence among potential homebuyers too.

2. Sadness

When the time comes to finally leave your home, it can be difficult to relocate.

Sadness is common among home sellers, particularly as the home selling process progresses. For example, you may feel sad as you look back on all of the great memories of your house. And after you receive an offer on your residence, you may start to realize that your time in your current residence is running short.

If you ever feel sad during the home selling journey, reach out to your real estate agent. He or she is available to support you through the ups and downs of the home selling journey. Also, your real estate agent understands the challenges associated with selling a house and is happy to support you in any way possible.

3. Elation

Elation arrives on the day that you sell your house. At this time, a homebuyer will be ready to purchase your residence, and you and the homebuyer have agreed to terms. Now, you just need to finish the final paperwork, and you will complete the home selling journey.

Your real estate agent understands that the home selling journey may seem endless at times. However, this professional will offer expert recommendations and suggestions to ensure you can get the best results possible.

In addition, your real estate agent wants the home selling process to be seamless. To accomplish this goal, he or she will allocate the necessary time and resources to promote your residence to potential homebuyers. By doing so, your real estate agent will make it simple to accelerate the homebuying journey.

Employ a real estate agent to help you sell your house, and you can speed up the process of selling your house.




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Posted by Thomas Murphy on 4/30/2017

Injuries, physical disabilities, surgeries and bone density issues can make it difficult to be mobile. They can also make it challenging to get in and out of a home, including the home of a relative or friend. With a few changes, your home can present less of a challenge for people with unique physical needs. Ensure that banisters outside and inside your home are secure. When you pull on banisters or place weight on them, make sure that they don’t pull away from the ground or wall. This could keep people with physical disabilities safe. It could also help to keep children safe. Although banisters are often used by people who are injured, aging or disabled, ensuring that your banisters are sturdy isn't the only step that you can take to create a home that supports people with unique physical needs. Additional ways that you could create a home environment that supports people with physical disabilities include: Wide walkways – Walkways that are at least 36 inches wide offer added accessibility to your home. Exterior coverings should be high enough to prevent tall people from having to bend over to enter your house without bumping their head or shoulders. Sidewalks should be free of debris, boxes and items that children and adults would have to climb over or maneuver around. Wheelchair ramp – A wheelchair ramp needs to be sturdy and wide enough to support several hundred pounds. During inclement weather, including hard rains and icy conditions, the ramp should be cleared and kept dry. Bathroom support rails – People with conditions like sickle cell anemia, muscular dystrophy and Parkinson’s may need to hold onto a railing to get in and out of the tub or shower. So too might someone who suffered an injury or who is recovering from surgery. Hardware stores sell steel bathroom support rails, but, they must be properly installed. You could hire a professional to install support rails. Adequate lighting – Motion detector lights outside your home serve multiple purposes, including deterring burglars and preventing falls. The lights can be installed near front and back walkways and along roof corners. Nonslip surfaces – Keep sidewalks shoveled and salted in the winter. You could also place rubber mats on porches and inside doorways year round to prevent slips and falls after a rain or whenever people get their feet or shoes wet. Open floor plan – An open floor plan is great at making it easy for parents to keep an eye on young children. An open floor plan also reduces the numbers of doors that people have to push through to go from room to room. Keyless door entry – Similar to benefits derived from an open floor plan, keyless door entry can take the strain out of fumbling with keys. You can also opt for door handles that operate with levers rather than knobs to reduce the numbers of times people with arthritis and other tissue and muscle issues have to work to open doors. Level flooring – Uneven flooring can cause people to stumble, trip and fall. Whether floors are carpeted, tiled or hardwood, ensure that they are even or level. Replace areas that have started to curl or bubble. Security alarms – Install security alarms that not only alert first responders to burglaries but that also alert first responders to falls and accidents on your property. Cabinets – If needed, lower cabinets so that shorter adults can reach plates, cups and glasses. However, avoid placing frequently used items in bottom cabinets that require adults to bend to the floor, potentially making it hard for aging adults or people recovering from injuries to reach the items. The National Directory of Home Modification Resources and state agencies list organizations that provide tools that you can add to your home to make it easier for aging parents, injured people and children and adults with physical disabilities to visit or live in your home. Who knows? Modifications that you make today could allow you to remain in your home years from now.




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Posted by Thomas Murphy on 4/23/2017

Buying a home represents a dream come true for many individuals. However, to transform this dream into a reality, you'll likely need to qualify for a mortgage.

Finding the right mortgage may seem difficult, particularly for a first-time homebuyer. Fortunately, we're here to help you make sense of all of the mortgage options at your disposal so you can select the right option based on your budget and lifestyle.

Here's a closer look at three of the most common mortgage options for homebuyers.

1. Fixed-Rate

With a fixed-rate mortgage, there are no cost fluctuations. This means that you'll pay the same amount each month for the duration of your mortgage, regardless of economic conditions.

For example, if you sign up for a 15- or 30-year fixed-rate mortgage, you'll wind up paying the same amount each month until your mortgage is paid in full. In some instances, you may even be able to pay off your mortgage early without penalties.

A fixed-rate mortgage often serves as a great option for those who don't want to worry about mortgage bills that may fluctuate over the years. Instead, this type of mortgage guarantees that you'll be able to pay a consistent monthly amount for the life of your loan.

2. Adjustable-Rate

An adjustable-rate mortgage represents the exact opposite of its fixed-rate counterpart. The costs associated with this type of mortgage will change over time, which means you may wind up paying a fixed interest rate for the first few years of your loan and watch this rate go up a few years later.

For instance, a 5/1 adjustable-rate mortgage means that your interest rate is locked in for the first five years of your loan. After this period, the interest rate will adjust annually. Therefore, a rising interest rate may force you to allocate additional funds to cover your mortgage costs in the future.

An adjustable-rate mortgage may prove to be a viable option if you plan to live in a home for only a short amount of time. Or, if you're a college student or young professional, an adjustable-rate mortgage may help you pay less for a home now, secure your dream job and become financially stable by the time your initial interest rate period ends.

3. VA Loans

The U.S. Department of Veterans Affairs (VA) provides loans to military service members and their families. These loans are backed by the government and enable individuals to receive complete financing for a house. Thus, with a VA loan, an individual is not required to make a down payment on a house.

If you ever have concerns or questions about mortgage loans, banks and credit unions are available to help. Also, your real estate agent may be able to offer mortgage insights and tips to ensure you can secure a mortgage quickly and effortlessly.

Learn about all of the mortgage options that are available, and by doing so, you can move one step closer to buying a home that matches your budget and lifestyle.




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