Thomas Murphy - Pine Shores Real Estate



Posted by Thomas Murphy on 1/3/2016

Owning your own house or apartment is a gratifying experience, as you not only have a place you can call home, but you also have the freedom to live the way you choose once you enter your domain. However, to find a home that can truly make you happy, there are a few points that you should consider beforehand. The first point to think about is the neighborhood (where your home will be located). This is important, because you need to feel that the area you are living in will be safe from crime, and that it will also be easy to commute to work on a daily basis. In the end, you do not want to spend too much time traveling in the evenings or in the mornings, as this can only make life more difficult. The next point to think about is how much space you want, as well as how many responsibilities you are willing to put up with. In other words, you could either choose to find a home that has a huge garden and a swimming pool, which is perfect if you enjoy gardening and going out for a swim, or, you could decide to do away with these extra bells and whistles if you hate gardening and do not want to spend time cleaning the pool. In other words, you want a home that you can truly feel comfortable living in, as this in turn will ensure that you can keep your life as stress free as possible. Price is always important, and you want to make sure you look for a home that you can afford. There are a lot of other expenses you have to think about, cable TV, insurance, taxes, telephone, heat, electric, maintenance etc. So make sure you factor all of these into your monthly budget. You do not want to be house poor and buying a home that you may fall in love with can in the end be very stressful if you are struggling to pay for it every month. Look for a home at a good value and that may need some cosmetic fix ups and grow into the home with home improvements down the road. This will bring value to your home and in turn be a good invest when you go to sell the home.





Posted by Thomas Murphy on 3/8/2015

What's for dinner? That is always a tough question when its 5:30, you have just walked in the door and all you can find is a box of cereal. Avoid ordering out or a dinner malfunction by keeping your pantry stocked with a list of staples that will help you make a variety of meals in a jiffy. 1. Canned chicken: At first it may not sound so appetizing but with a storage life of up to a year, canned or pouch chicken can be a lifesaver. Mix it in with casseroles, stir-fries, creamy salads, or even shredded as a topping to a baked potato. You won't know the difference. 2. Pasta: It doesn't matter what kind; spaghetti, linguini, rotini, penne, macaroni,–the list goes on. Pasta is best served to add bulk to a meal. Pasta can be an alternative to rice which can take longer to cook. Add pasta to soups, sauces, with cheese or vegetables and you will have a home-style meal in minutes. 3. Jarred Tomato Sauce: You have the pasta in the pantry so having a quick jar of sauce is a no-brainer. It's not your mother's homemade sauce but it will do in a pinch. Tomato sauce is actually very versatile and can also be used in soups, stews, and chili recipes. 4. Rice and Grains: Grains can be used as a quick side to any meal or bulk up any dinner. Stock up on quick-cooking rice, bulgur, and barley. Serve grains with a simple stir-fry or mixed with veggies and an egg for an easy fried rice dish. Mix flavored rice boxes with ground beef for an easy, one-meal dish. 5. Canned Beans: Beans are high in protein; they have a long shelf life and can be a part of lots of different dishes. Heat and mash them for a filling soup or drain and mix them with canned veggies for a light and flavorful dip or vegetable salad. Any kind of beans will do; Black, Pinto, Cannellini, Great Northern, or Garbanzo, just choose your favorite. 6. Canned Vegetables: It is so difficult to use fresh-bought produce before it wilts. Canned vegetables to the rescue, they last much longer. Combine an assortment with broth and seasonings for an easy vegetable soup or add them to pastas, dry soup mixes, casseroles, or rice. 7. Canned Salmon and Tuna: Protein is good for you and helps fill you up. Canned salmon and tuna can be used for easy meal ideas. Serve in salads, pitas, pasta dishes, burgers, loaded potatoes, croquettes, and even as light appetizers or snacks. 8. Canned Tomato Products: Canned tomato products can be turned into so many things. Stock up on paste, stewed, diced and whole tomatoes. Diced tomatoes make a great queso dip when added to melted cheese. Add to ground beef and taco seasoning for a zesty burrito supper, or to a skillet with seasoning for a homemade pasta sauce. Use stewed tomatoes in soups and stews. 9. Peanut Butter: Everyone loves a PB&J sandwich, but peanut butter can be used on the dinner table for Asian-inspired flavor in dips, sauces, and stir-fry. Try it for a snack spread on celery stalks or apple slices, or as a spread with multigrain crackers. 10. Canned Fruit: Fruit for dinner? Why not? Jarred cherries, canned fruit, including pineapple, mandarin oranges, and even fruit cocktail can be used as a healthy and lean side dish. Try serving grilled pineapple with chicken, add mandarin oranges to salads, and fruit always makes a great dessert.




Tags: budgeting   dinner help   pantry  
Categories: Help Around the House  


Posted by Thomas Murphy on 12/30/2012

In today's economic climate protecting your financial health is more important than ever. From health insurance to your plans for retirement, there’s a lot to consider. Here are some tips from Family Wealth Management Group, LLC to help protect your assets and financial future. It is never too early to plan. In order to plan, you need to know what you have. Review your pension plan, 401 (k), IRAs, Social Security benefits and other savings plans to assess whether they meet your long-term retirement goals and will generate an income stream to meet your projected expenses. Curb spending. Time to take an inventory on how much you spend. Keep a log on trips to the market, afternoon lattes, dry cleaning and all of your miscellaneous spending. Try to eliminate a portion of these expenses. Once you track them you will realize you are spending more than you thought. Re-define your financial goals. Ask yourself where you see yourself in five, 10 or 15 years. See if it possible to redefine your goals. You may be able to retire earlier or pay for college. Set goals to achieve the things you want. Get help. Professional advice about investment losses, financial products, insurance coverage and other important issues will help you make the right choices for your current financial situation.




Categories: Money Saving Tips  


Posted by Thomas Murphy on 10/14/2012

It is great to have a room renovation every once in a while but painting and changing the look of a room can be costly and time consuming. Here are three quick and simple ways to change the look of your room without busting the budget.

  1. Window Treatments are one of the quickest, simplest and most affordable ways to change the whole look and feel of a room. If you prefer to take the focus away from the windows, choose neutral colors, and a simple style. If you would like to create a dramatic look and emphasize the view, choose more color or a bolder style in the window treatments. A layered look with sheers or a top treatment will also do the trick.
  2. Lighting can definitely add color. A simple solution would be to add colored bulbs to some of your light fixtures. Incandescent lighting can also add more warmth, and accent lighting can highlight an area of the room. Transform a room’s mood with dimmers, uplights, and sheer textile lampshades. Wall sconces, floor lamps and even candles can also change the look of a room.
  3. Artwork can change the look without busting the budget. Artwork can be from a local gallery, children’s drawings or just what you already have hanging around the house. Choose pieces that showcase intense colors but also work well with the existing pieces in your room. Try moving your current artwork around. Photos, vases, and other collectibles can give new life to a room. Group them in sets of three or five for an instant eye-catching display.
The possibilities are endless. You can infuse a lot of color into any room without once having to pry open a paint can or spend a fortune. Have fun!  





Posted by Thomas Murphy on 9/2/2012

Is there really a secret to saving money? It may seem as though it is mystery how your bank account ends up empty every month but there is no mystery to it. While it may be no secret there are three important tips you can follow to help you put more money in your pocket. The challenge is to follow the tips in order to be successful at saving money. The rest is up to you.

1. Create a Budget

You need to know where your money is going. Once you have established where you spend your money you will be able to find places to make cuts. The first thing to do is figure out how much is being spent on housing, utilities, groceries, debt, and entertainment. Once you know where the money is going you will be able to set limits for problem areas. This is the money that you will apply to secret #2.

2. Pay Yourself First

This is a huge secret, pay yourself first. Yes, before you dole out money for bills as soon as your paycheck hits your account; deposit a specified amount into savings. It doesn't matter how small the amount is, at least you are saving. Even better , create an automatic savings plan that will automatically deposit money into your savings account before you even have a chance to spend it. This can be done right through your employer’s direct deposit or with a recurring transfer with your bank.

3. Spend Less Than You Earn

If you don't learn to obey this rule you will never be able to save money. You simply have to spend less money than you earn and there’s no way around that. If you are spending more than you earn you are borrowing money and thus putting yourself into debt.  




Categories: Money Saving Tips