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Welcome to the Mississippi Gulf Coast, where cities and communities like Ocean Springs, d'Iberville, Biloxi and Gulfport are setting new standards in great living! Considered the "Playground of the South" these communities mix a fine blend of white sand beaches, stunning natural fauna and warm temperatures with fantastic cultural amenities and exciting residential opportunities to create a lifestyle like no other.

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  • Five Questions to Ask a Mortgage Lender

    Five Questions to Ask a Mortgage Lender

    [caption id="attachment_1614" align="aligncenter" width="737"] Five Questions to Ask a Mortgage Lender[/caption]

    Five Questions to Ask a Mortgage Lender
    By Albert Allegue, CRB, CRS


    Buying a home is the largest purchase many consumers will ever make, and many will turn to a lender for financing. But finding a lender you click with can be a challenge, especially if you wait until the last minute. I have prepared Five Questions to Ask a Mortgage Lender.


    Buyers should start talking to lenders early in the process — before you fall in love with a home — and compare several quotes. The best way to shop for a lender with the best terms is by asking to see their Good Faith Estimate. A Good Faith Estimate is a government required form given to a prospective mortgage client reflecting how much it would cost to borrow money from that lender. Should you not know how much it would cost you to borrow a mortgage for your home? You should. Then compare lenders based on their cost to borrow the money. Otherwise, you could end up choosing a lender based on convenience and realize you may have issues with your credit.

    Avoid buyer’s remorse
    21% of home buyers reported buyer’s remorse over their lender, according to a recent J.D. Power study. And among first-time home buyers, that rose to 27 percent. Dissatisfied respondents cited a lack of communication, unmet promises, and feeling pressured to select a specific mortgage product.

    Find the right lender
    It is important to find a lender or broker who communicates well with you, and in a manner you’re comfortable with. This applies whether you’re meeting face-to-face with a lender, or working online and over the phone. Does the lender explain things well? Are they willing to spend the time? Or do they seem rushed and irritated?

    To test the waters, I suggests asking these five open-ended questions:

    1. Is this the right time for me to buy?
      The lender’s answer will depend on your circumstances — such as your debt-to-income ratio, how much you plan to put down, and other factors. What’s important is that they explain your situation in a way you understand.









    1. What personal debts — like credit cards — should I pay down before closing? And how soon do I need to do that to qualify for a good rate?
      Lenders should explain what they’re looking for in your credit history and how you might improve your credit score. According to credit reporting agency Experian, on a scale ranging from 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above is considered excellent. If you aren’t sure what to expect, you can order your free credit report online.









    1. Should I pay points to lower my interest rate?
      Your interest rate may be paired with mortgage discount points. One discount point typically amounts to 1 percent of the loan amount. So one point on a $250,000 mortgage would equal $2,500. A lender should explain the options. “The longer you plan on living in your home, the more sense it may make to pay points,” advises the Consumer Financial Protection Bureau. 
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    1. How much will I need to pay at closing? Do I pay by check, wire transfer, or bank check?
      Make sure you really understand how the money will be transferred when the deal closes. There’s been an uptick in scammers swiping the buyer’s closing funds during electronic transfers, according to the Federal Trade Commission
      .









    1. Who will service my loan?
      A servicer is the company that collects your mortgage payments and deals with late or missed payments. Some lenders service their own mortgages or outsource servicing. Others might sell the mortgage. While you have no say on who services your loan, this question gives lenders the opportunity to talk about the scope of their business and commitment to you.


    Buying a home is an exciting time — finding a lender shouldn’t ruin the experience for you. Take it slow, ask the right questions, and you’re sure to find a great fit.

    The best advice I can give you, is to rely on the expertise and experience of your real estate professional who daily works with lenders. We know who returns calls, and who doesn’t, who will personally work with you, and who will treat you like just another number.

    For a list of our approved lenders, contact our team at alndee@alndee.com or (228) 374-0002. You can also visit our web site at www.alndee.com for our Preferred Service Providers.

     

  • Is Now Still a Good Time to Buy a Home?

    Is Now Still a Good Time to Buy a Home?

    [caption id="attachment_1602" align="aligncenter" width="1024"] www.alndee.com[/caption]

    Is Now Still a Good Time to Buy a Home?

    With interest rates on the rise after the Federal Reserve boosted rates in December – and more increases likely on the horizon – is now still a good time to buy a home?

    “In terms of the rate, yes,” says Nela Richardson, chief economist for the national real estate brokerage Redfin. Since the presidential election in November, the rate for a 30-year fixed-rate mortgage has risen from 3.68 percent to 4.2 percent, according to Freddie Mac’s most recent weekly mortgage survey. “That’s so low relative to historical averages.”



    [caption id="attachment_1603" align="aligncenter" width="1024"] Is Now A Good Time to Buy a Home?[/caption]


    Homebuyers leery of rising rates might need some perspective. Interest rates have been mostly below 5 percent since late 2009. The idea of paying 12 percent interest on a home mortgage sounds preposterous, but rates were above 7 percent most of the time from 1971 to 2001, rising to 18.16 in October 1981, according to Freddie Mac. Rates did not dip regularly below 6 percent until 2008.

    “We’re dealing with a whole generation of homebuyers who’ve never seen a rate above 5 percent,” Richardson says.

    Analysts expect rates to rise this year, but probably not by more than one-half to three-quarters of a percent, which means rates are predicted to stay below 5 percent for a 30-year fixed-rate home loan.

    “I do think that rates will be more volatile,” Richardson says. But, “when I say volatility, I don’t mean huge swings.”

    That means that a home mortgage will still be a good deal for most homebuyers this year.

    One reason rates remain low is because the Federal Reserve has been buying significant amounts of mortgage-backed securities since 2009, and that’s likely to continue. “When they stop, obviously interest rates have to go up,” says Casey Fleming, author of “The Loan Guide: How to Get the Best Possible Mortgage” and a mortgage professional in the San Francisco Bay Area.

    The Fed also has said it plans to raise the federal funds rate – the rate at which banks loan to each other – several times in 2017. But that in itself does not raise mortgage rates, though it does affect the overall economy.

    What could cause a significant change in mortgage rates is a big unforeseen event such as a major shift in U.S. economic policy, a terrorist attack or an international crisis.

    “Any unexpected disruption in the market will cause rates to jump,” Rodriguez says. “There are always factors beyond the normal economic indicators.”

    A small change in rates often means a small change in mortgage payments. For a $200,000 mortgage with a 30-year fixed rate at 4 percent interest, the monthly payment would be $954.83. At 4.5 percent, the payment goes to $1,013.37, and at 5 percent you would pay $1,073.64. Just for comparison’s sake, at 12 percent, the payment would jump to $2,057.23.

    The effect of higher rates is often felt most by those who are stretching their budgets to buy or those who have other debt and are struggling to qualify for a loan. Rising home prices could have a greater impact. The median home sale price rose 5.5 percent last year, and Redfin predicts a 5.3 percent increase in home prices this year.

    “The problem for first-time buyers: It’s not just the rates, it’s the rate plus the price increases,” Richardson says. “It’s the combination of the two that’s the problem.”

    Fleming advises homebuyers to consider paying points upfront to get a lower rate. Essentially, you are paying cash to buy down the interest rate to a lower point. But the payment amount is not the only number of importance. The other key number is how much principal you will have paid down by the time you sell.

    “The lower the interest rate, the more of your money that goes to principal,” Fleming says. “The question to ask is, what is the upfront cost [for points] vs. the interest cost?”

    “The easiest way to get your interest rate down if interest rates are rising is to pay points,” he adds. “If you have the cash, this is the best thing you can possibly do is pay points and get that interest rate down.”

    No one has a crystal ball, but the chances are that 2017’s mortgage rates will be lower than future rates. “Eventually rates are going to go up,” Rodriguez says. “When is eventually? No one has any idea.”

    Here are five factors that can have more impact on your mortgage payment than interest rates

    Credit score. How good is your credit? Those with higher scores get better rates, and you need a score of at least 740 to get the best rates from most lenders. If you are not at that level, you may want to start making improvements to boost your credit score.

    Down payment. You don't need to put 20 percent down to buy a home, but if you do, you won't have the private mortgage insurance, which protects the lender if you default. That can add $30 to $70 for every $100,000 borrowed to your monthly payment. Some lenders offer 80/10/10 piggyback loans, which allows you to get an 80 percent firs mortgage and a 10 percent second mortgage, with no PMI required. Then you would pay 10 percent down.

    Points. You can pay cash upfront, called points, to lower your mortgage rates. It's important to do the math for your situation to determine whether that makes financial sense, but it can for many homebuyers.

    Closing costs. Not all lenders and not all closing agents charge the same amount. Shop around for the best deal on closing costs. many fees are negotiable, and they can vary significantly.

    Home price. A more expensive home obviously means a bigger payment. One of the simplest way to lower your monthly payments is to choose a less expensive home, even if it means giving up some of the amenities you want.

    Source: U.S. News & World Report

    For help finding the right mortgage lender and our FREE report, "Buying a Home", contact The Al & Dee Real Estate Group at (228) 374-0002 of by email at alndee@alndee.com

  • Mississippi Gulf Coast Real Estate Market Pulse for March 2017

    Mississippi Gulf Coast Real Estate Market Pulse for March 2017



    Mississippi Gulf Coast Real Estate Market Pulse for March 2017

    By Albert Allegue, CRB, CRS
    Broker/Owner


    Are we in a Seller's Market or a Buyer's Market? Understand that a Buyer's Market is when there are more homes for sale than there are buyers. Subsequently, a Seller's Market is when there are more home buyers than there are homes for sale. As you can see in the charts below, we continue to experience a BUYER'S MARKET.



    In Ocean Springs the inventory of homes continues to be more than there are buyers, but we see a smaller inventory than October 2016. As predicted in November 2016, December and January continued to be the best month to sell a home as the inventory drops and more homes are sold. The average sales price did jump a bit in February 2017 when compared to the last six months. However, homes stayed on the market for sale longer than the previous six months.

     



    In Biloxi sale of homes declined since Oct 2016 while the inventory of homes remain about the same. The same holds true for the Average Sales Price taking a drop in January of this year but raising back to the average price of about $175,000. Good news is that homes sell faster at an average of about 80 days.



    Gulfport real estate market continues to remain steady even though there was a reduction in the inventory of about 70 homes since Oct 2016. Average Sales Price maintain their average of about $122,000 and homes stay on the market for sale for about 100 days.



    Although d'Iberville stayed steady in homes inventory, there continues to be a noticeable decrease in sales since January of this year to the lowest yet in February. But the good news is that the Average Sales Price of the homes sold increased to a new high of $228,040, but they stayed on the market an average of 160 days. Off all the cities tracked in this report, homes in d'Iberville stayed on the market longest.

    (Gulf Coast Multiple Listing Service, Feb 26, 2017)

    Ready to buy a home? Start your search here.

    Ready to sell your home? Visit our Seller's Page for more information

     

    Rent growth for lower-priced rental homes continues strong.


    Rents on lower-priced rental homes, between $700 and $1,000 a month, increased by 5.4 percent, up from 5 percent in October 2015, while rents on higher-priced rental homes increased 2.5 percent, down from 3.4 percent in October 2015. In contrast, new construction tends to be high-end units, and the additional supply has caused rent growth for higher-priced rental homes to moderate.

    (https://www.census.gov/construction/nrc/pdf/compsusintenta.pdf)

     Ready to rent a home? Contact us

    Appraisal-related loan denials are below the national average


    In a November 2016 CoreLogic report, appraisal related home denials in Mississippi were 7.8 percent as compared to the average U.S. of 11.3 percent. In view of its underlying sales comparison approach, the quality and accuracy of home appraisals can only be as good as the availability and quality of the comparable transactions used for the appraisal. Although the availability of a pool of similar homes sold is important, other factors, such as local market sales activity, market distress, whether the appraisal is an REO or short sale property, or whether it is a higher – or lower-priced property – influence the appraisal quality. Of course, let’s not forget that the experience of the appraiser is just as important.

    The Al & Dee Real Estate Team can be reached at 228.374.0002 or via email at alndee@alndee.com. They are located at 10311 Boney Avenue, Suite B, d'Iberville, Mississippi 39540. To see the latest real estate listings and properties soon to be listed, visit their web site at www.alndee.com. Questions about this article, contact Al Allegue at al@alndee.com. Thinking about selling your home? Contact Dee at dee@alndee.com or directly at 228.374.0002.

  • 6 Things Smart Home Owners Do in March

    6 Things Smart Home Owners Do in March



    6 Things Smart Home Owners Do in March.

    Monthly and seasonal maintenance not only helps to keep your home running smoothly they also help to protect your investments and avoid costly repairs. Below you will find 6 Things Smart Home Owners Do in March.

     

    1. March 10th Daylight Savings time begins.


    Remember to replace batteries in your smoke detector and carbon monoxide detectors.

     

    2. Tune-up your air conditioner.

    Last year we broke 80 degrees in March and by April 16th it was a balmy 88 degrees. Why wait? Need a great HVAC company? Call us for a referrals.

     

    3. Change your filter in your heating system.


    Thirty days is the longest you should wait, especially during peak usage months.

     

    4. Check the contents of your medicine cabinet.


    They will have expiration dates, but since most of them are relatively low in cost, it is advisable to replace any expired meds. Any medicines you have that you no longer use, donate them to the St. Vincent de Paul Pharmacy in Biloxi. Tell them Al & Dee sent you.

     

    5. Clean the refrigerator


    Clean the refrigerator inside and out, with mild detergent. Remove all trays and shelves. Make sure to allow everything to dry thoroughly before replacing them.

     

    6. Plant indoor seeds now.


    Now it’s the perfect time to plant seeds in small containers and keep them inside the home or in a sun room. They will be ready to enjoy in Spring.

     

    The Al & Dee Real Estate Team can be reached at 228.374.0002 or via email at alndee@alndee.com. They are located at 10311 Boney Avenue, Suite B, d'Iberville, Mississippi 39540. To see the latest real estate listings and properties soon to be listed, visit their web site at www.alndee.com. Questions about this article, contact Al Allegue at al@alndee.com. Thinking about selling your home? Contact Dee at dee@alndee.com or directly at (228) 374-0002.

  • Do you believe in the 13th?

    Do you believe in the 13th?

    Do you believe in the 13th?

    Do you believe in the 13th?


    As many apartment dwellers know, most buildings skip the 13th (and sometimes fourth and 44th!) floor. In fact, a whopping 80% of high rises omit the unlucky ordinal just on tradition alone. But for those of us who live closer to the ground, there’s plenty of bad omens lingering around at home. Do you believe in the 13th?

    Most superstitions are hundreds of years old, stemming from the human instinct to attribute reasoning to the inexplicable. But even if it seems silly, these unfounded fears have positive side effects. Research has found that people who truly believe in superstitions can often perform better at certain tasks and experience less stress.

    So for the believers (and non-believers) out there, this is what you need to avoid for good karma.

    1. Mirrors can steal your soul. 


    Most people have heard that a broken mirror brings seven years of bad luck, but intact reflectors are also ominous — just think of ill-fated characters like Snow White, Narcissus, and Dracula.

    The legend goes that the glass can steal your soul. In fact, Victorians traditionally covered mirrors when someone died, in case the deceased’s spirit gets trapped inside.



    2. Evil ghosts sit in your rocking chair. 


    New mothers and porch sitters take note: the Irish have long believed that rocking an empty chair invites dark forces to come sit in it. If the chair moves of its own accord, that’s even worse — the malicious spirit has already settled in it, and may bring death to the family.

    3. Pick a door and stick with it - or else


    According to folklore from the Pacific Northwest, it’s bad luck for you and your family to leave the house through a different door than the one used to enter it.

    4. You can wake up on the wrong side of the bed. 


    The saying goes that you should get out on the same side you got in or it’ll be a bad day. As for the following night, make the bed if you want to sleep well, according to an American proverb.


    5 Open umbrellas insult your home's guardian spirits.


    Opening a parasol indoors might bring metaphorical rain. Eighteenth century lore says that an umbrella protects against the storms of life, so opening one inside insults a home’s metaphysical protectors. Of course, the practical side of this precaution is not poking anybody’s eye out.

    6. Don't sweep away good luck


    There’s enough broom traditions to fill the entire closet, but most concur that cleaning a new home with an old broom is bad news. Either buy a new one or sweep something into the new residence first to avoid brushing away good luck.

    7. Ladders have a hidden religious significance


    Christianity could be behind the hesitation to walk under ladders. The idea is that a ladder leaning against a wall creates a triangle, similar to Holy Trinity. Breaking the triangle would be blasphemous – or dangerous, as anyone who’s stood on a high perch can attest.

    8. Shoes on the table could lead to death


    Old mining traditions are likely behind this superstition. You see, when a miner died in a colliery accident, his shoes were placed on the table as a sign of respect. Therefore, doing so when you aren’t dead was seen as tempting fate.

    9. Fix any broken clocks - before they signal doom.


    The grimmest prediction of all is that if a broken clock suddenly chimes, there will be a death in the family. In fact, a 19th century American preacher recorded multiple instances of these predictive rings

    10. Keep your bedroom windows shut on Nov. 1. 


    In Spain, people always keep their bedroom windows shut on November 1, because it is believed that the souls of the dead roam free that day, and can enter your home through windows.


    11. Bells scare away hardships. 


    Both wedding bells and jingle bells bring smiles to peoples’ faces, but an echoing gong can also prevent misfortune. Celtic cultures believes that ringing a bell frightens evil spirits away.

    12. Blue porches ward off ghosts. 


    Since Southern culture used to believe ghosts couldn’t cross water, plantation homes thought if they painted their porch blue, it would confuse these spirits so they wouldn’t enter their home.

    13. Acorns will protect your home from lightning. 


    Norse superstition claims all you have to do is put one of these nuts on your windowsill to prevent your home from being struck by lightning. In fact, that’s where window blind pulls with acorns first originated.

    14. Hang fennel over your door to avoid witches.


    It is believe that if you hang fennel over your front door, or stuff it in your keyhole, you’ll keep witches away from your home.

    15. And of course, knock on wood. 


    For those bold enough to check out their lipstick in the mirror or leave through the side door (namely, all of us), it’s easy to ward off any bad karma – just knock on wood. Cultures from across the world (from Ireland to India!) have long idolized trees, and people often lay hands on them to ask for favors or show gratitude.

    Source: Housebeautiful.com

    The Al & Dee Real Estate Team can be reached at (228) 374-0002 or via email at alndee@alndee.com. They are located at 10311 Boney Avenue, Suite B, d'Iberville, Mississippi 39540. To see the latest real estate listings and properties soon to be listed, visit their web site at www.alndee.com. Questions about this article, contact Al Allegue at al@alndee.com. Thinking about selling your home? Contact Dee at dee@alndee.com or directly at 228.374.0002.

     

  • Six Things Smart Home Owners Do in February

    Six Things Smart Home Owners Do in February

    [caption id="attachment_1506" align="aligncenter" width="805"] Six Things Smart Home Owners Do in February[/caption]

     

    6 Things Smart Home Owners Do in February

    Conducting routine maintenance at home is sure to save you hundreds. We recommend 6 Things Smart Home Owners do in February.

    1 Maintain the Water Heater

    Your water heater is one of the most important parts of your home. It is the power behind hot showers, fresh laundry and clean dishes, so there would be some big issues if it were ever to break down. The average water heater lifespan is about 11 years, but without proper maintenance it might not make it that long. Here's what you can do to keep it ticking for at least 11 years:

       - Check the temperature: Some manufacturers set the temperature to 140 degrees Fahrenheit by default, which is hotter than most households really need. A recommended setting for water heater maintenance is 120 F, which prevents tank damage and helps you save big on losses of standby and demand heat.

       - Drain the tank regularly: It is a good idea to flush out about one-quarter of the tank in your water heater. You can do this easily by turning off the cold water supply, hooking up a garden hose to the drain valve and then running the water until it looks clear. Draining will help clear away sediment and preserve the heating efficiency of the water heater.

       - Test the pressure relief valve: A working pressure relief valve should release a burst of hot water into the drainpipe after you raise and then lower the test lever.

    2 Check your toilet

    A leaky toilet that's constantly running can waste as much as 200 gallons of water in a single day. That could rack up to more than 6,000 gallons a month, which can also result in an incredibly high water bill.

       - Check the water level: In order to determine if you have a leak, pour a couple of cups of coffee into the water tank. Come back in 30 minutes and check the toilet bowl. If the water color is not clear, you have a leak.

       - Check the flapper: The flapper mechanism inside the tank could be improperly sealed, causing the leak. Check around the edges of the flapper to make certain is not gummy to the touch and deteriorating.

    3  Clean Range Hood Filter and Fan

    A range hood, or the vent fan on an over the range microwave, needs to be cleaned regularly to remove any built-up grease. Clean with a citrus-based cleaner instead toxic or harsh chemicals that may fall into your food.

    4 Check the charge on your fire extinguisher

    They will have expiration dates, but since they are relatively low in cost, it is advisable to replace any questionable extinguishers in your home and garage.

    5 Clean your pantry.

    Take everything out, wipe down the shelves and check the expiration dates.  If you find something you no longer want or will not use before the expiration date, make sure to donate them to your local food bank or church.

    6 Check the door seals on your refrigerator.

    Close the door on a dollar bill and attempt to pull it out while the door is closed.  If the bill slides out easily, it is time to replace the seals.

    The Al & Dee Real Estate Team can be reached at 228.374.0002 or via email at alndee@alndee.com. They are located at 10311 Boney Avenue, Suite B, d'Iberville, Mississippi 39540. To see the latest real estate listings and properties soon to be listed, visit their web site at www.alndee.com. Questions about this article, contact Al Allegue at al@alndee.com. Thinking about selling your home? Contact Dee at dee@alndee.com or directly at 228.374.0002.

  • PCSing Military Homeowners Get New Short Sale Protections

    PCSing Military Homeowners Get New Short Sale Protections

    [caption id="attachment_1500" align="aligncenter" width="721"] PCSing Military Homeowners Get New Short Sale Protections[/caption]

    PCSing Military Homeowners Get New Short Sale Protections

    Prior to the Federal House Finance Agency’s (FHFA) announcement of Short Sale Assistance in June 2012, borrowers forced to move as a result of military Permanent Change of Station (PCS) orders had to be delinquent to qualify for a short sale.

    With a “Short Sale” a borrower wants to sell a home but the value of the property is less than the remaining mortgage balance, thus a borrower wants to sell “short” of what is owed. In theory the borrower could sell the home and bring the unpaid mortgage balance to closing in the form of cash to settle the debt. But in reality, most households do not have such cash; instead they find a buyer for the property and ask the lender to settle the debt for the current market value of the home and not the outstanding loan balance.

    Lenders are opposed to short sales because such arrangements require they take a loss on the transaction. To avoid excess losses lenders want to be sure that no better solution is available before they will allow a short sale. In many cases they will only consider a short sale if the borrower is delinquent.

    No Forced Delinquency

    The catch is that the borrower may not be delinquent. The borrower may well have the ability to continue monthly payments. However, the property has lost so much equity that it cannot be sold for enough to pay off the debt to the lender.

    Too often the delinquency requirement simply forces military owners who have the ability to pay their mortgage to skip one or more payments and thus ruin their credit as a condition of getting a short sale. Of course, once a payment has been missed the lender is not obligated to accept a short sale offer and try to foreclose on the property.

    According to FHFA policy, lenders and loan servicers cannot tell military homeowners with PCS orders who are current on their loans “to intentionally skip making payments in order to create the appearance that they are having financial difficulties in order to obtain assistance for which they would not otherwise qualify.”

    SCRA Protections

    In other words, a lender cannot tell military borrowers that a short sale will be considered only if monthly mortgage payments are missed when the borrower has the ability to make such payments.

    The rule also says that lenders cannot ask military homeowners with PCS orders to waive their rights under the Service members Civil Relief Act (SCRA) or any other law before they will provide loan option information or evaluate the homeowner’s eligibility for assistance.

    “Short” sales are not uncommon but difficult to maneuver throughout the paperwork required by many lenders. Our real estate team have certified short sale specialists that can make the process of selling your home easier and at no cost. Remember, it doesn’t cost you a cent to complete a “Short Sale”.

    If you are an active duty military member and have received orders to PCS, please contact us and we’ll complete a no-cost Market Evaluation of the current value of your property. We’ll also provide you with options such as rental management, sale or a sale using the “Short Sale” system.

    The Al & Dee Real Estate Team can be reached at 228.374.0002 or via email at alndee@alndee.com. They are located at 10311 Boney Avenue, Suite B, D'iberville, Mississippi 39540. To see the latest real estate listings and properties soon to be listed, visit their web site at www.alndee.com. Questions about this article, contact Al Allegue at al@alndee.com. Thinking about selling your home? Contact Dee at dee@alndee.com or directly at 228.374.0002.

  • Six Things Smart Homeowners Do In January

    Six Things Smart Homeowners Do In January

    Six Things Smart Homeowners Do In January

    Six Things Smart Homeowners Do In January

    An ounce of prevention is worth a pound of cure. Do these tasks in January and you’ll save a bundle in emergency services and aggravation.


    1. Inspect the attic for leaks during a rain storm specially this weekend when we are having such a down pour. Unrepaired roof leaks damages the insulation and can be a source of mold growth, which is harmful to your health.

    2. Replace HVAC filters this month. This keeps air in the home healthy and you system running efficiently because they are not clogged with debris or dust. At a minimum you should replace filters every month.

    3. Inspect automatic garage door safety shutoff. Test that the safety features of your automatic-opening garage door are still in good shape. While you are doing that grease the rollers and the track for an efficient opening and closing.

    4. Trim shrubs around air-conditioning units. Shrubs often grow around the A/C unit which blocks free air flow. Anything in from of the A/C unit will cause the unit to work harder and can cause damage.

    5. Clean your refrigerator grill. The top and bottom of your refrigerator has a grill that you can detach to get access to the compressor and cooling coils. Dust builds up over time which can burn out the refrigerator.

    6. Clean the garbage disposal by pouring half cup of baking soda and a cup of white wine vinegar. After a few minutes pour some boiling hot water down. Next, fill the drain with some ice cubes, and add a cup of salt, which helps remove debris. Finally add lemon halves to the disposal and keep the water running and the garbage disposal on.


    The Al & Dee Real Estate Team can be reached at 228.374.0002 or via email at alndee@alndee.com. They are located at 10311 Boney Avenue, Suite B, D'iberville, Mississippi 39540. To see the latest real estate listings and properties soon to be listed, visit their web site at www.alndee.com. Questions about this article, contact Al Allegue at al@alndee.com. Thinking about selling your home? Contact Dee at dee@alndee.com or directly at 228.374.0002.

     

  • Winter Care for Southern Lawns

    Winter Care for Southern Lawns

    Winter Care for Southern Lawns

    Winter Care for Southern Lawns

    In the South, there are two lawn care seasons: summer and winter. The type of care that your lawn receives depends on the type of grass you have and whether you plan on over seeding it.

    Over seeding is the practice of sowing an annual cool-season grass, like annual ryegrass, over the dormant warm-season turf commonly found in the South. This helps gives lawns a green appearance all year long and maintains its health, so you can have a green lawn all year-round.

    Preparing Lawns for Southern Winters

    To prepare your lawn for the winter, you must complete the second fertilizing cycle, usually around September or October. Then, over seed with annual ryegrass and apply a pre-emergent herbicide one month later. This helps prevent weeds from growing and taking over your lawn during the winter.

    Cut back on your watering schedule to about half. If your lawn is dormant and hasn't been over seeded, do not water, as it will do nothing for the grass. Also, do not apply any herbicides, as they will have little to no effect in defending your grass against weeds.

    Over Seeding Winter Lawns

    Over seeding works best on finely-textured warm season grass, such as Bermuda, zoysia, and centipede. Cool season grasses, such as St. Augustine, are sometimes mixed with warm season grass seeds to help protect it during the winter. However, they do not work as well with over seeding.

    Start by mowing the grass down to low levels, but without scalping it. Use a rotary spreader to spread the grass seeds and water it three times a day for 5 minutes each until it has started to sprout. Then, switch to watering once a day for the first three weeks. After three weeks, move on to watering only twice a week.

    Do not apply any pre-emergent herbicides until at least one month after the new grass seeds have been planted. Doing this may prevent the grass from rooting firmly in the soil while doing nothing to prevent weeds from sprouting.

    Other Winter Lawn Care Tips

    Keep in mind that the brown color of warm season grass in the winter is not an indication that it is dead; it has simply gone dormant and will turn green once the temperatures are warm enough again.

    If you're experiencing a dry, warm winter, run the irrigation system once a week to keep the grass from dying. While it may prevent it from turning brown, you can take advantage of the warm temperatures to keep it alive.

    Also, stay off the grass as much as possible. Because it's not growing, it can't recover from foot traffic damage as easily.

    Keep an eye out for weeds and make sure to dig up large ones, especially those with taproot. Spot-spray the area with an herbicide so that it is prevented from sprouting again. This should be done on a dry and warm day when temperatures are over 60°F.

    For taller weeds, mow it down periodically using a reel mower. Otherwise, no mowing should be done to lawns during winters in the South. With any luck, your Southern lawn will survive the winter and thrive once again when spring comes around.

    The Al & Dee Real Estate Team can be reached at 228.374.0002 or via email at alndee@alndee.com. They are located at 10311 Boney Avenue, Suite B, D'iberville, Mississippi 39540. To see the latest real estate listings and properties soon to be listed, visit their web site at www.alndee.com. Questions about this article, contact Al Allegue at al@alndee.com. Thinking about selling your home? Contact Dee at dee@alndee.com or directly at 228.374.0002.

  • Don’t Get Blindsided in 2017

    Don’t Get Blindsided in 2017

    [caption id="attachment_1083" align="aligncenter" width="687"] Don’t Get Blindsided in 2017[/caption]

    Don't Get Blindsided in 2017. A surprising twist toward the end of 2016 with the election of real estate magnate Donald Trump as president is likely to presage some dramatic changes in 2017 for the housing industry, which saw healthy increases in values this year, thanks to factors including low interest rates, lower gas prices, stronger wage growth and millennials getting off the fence and entering the market.

    Still, as demonstrated by the Nov. 8 presidential election, anything can happen. Here are five things to watch for in real estate in 2017 — don’t get blindsided

    ATTACK OF THE DRONES

    Commercial use of unmanned aerial vehicles (UAVs) has been cleared by the Federal Aviation Administration and the use of drones by the real estate industry is likely to expand dramatically. If you have a property to sell with more than an acre of land or a unique perspective, then use a drone.

    TEAM VERSUS SOLO AGENTS

    As new real estate Millenniums enter the real estate profession, the creation of teams will increase. When interviewing for a listing, a home seller will pick a team versus a solo agent that has to do everything. Consider joining or forming a real estate team to have the advantage.

    FORGET THE STARTER HOME, MILLENIUMS WANT TO MOVE-UP PROPERTY

    More millennials – those born between 1980 and the late 1990 are expected to buy a first home in 2017. They saved enough money to go with something more than a condo unit or a starter home. Remember that in 2016, 17% of buyers under 35 were able to save enough for a down payment for a home within a year. Expect these numbers to increase.

    TRUMP’S SHOCKING WIN COULD CHANGE REAL ESTATE

    We don’t believe that there will be any significant change in interest rates, at least in the next term, since Trump’s underlying fundamentals is to grow the US economy and home ownership. He seems committed to bringing regulatory relief especially to the financial services industry, which should make more credit available to average home buyers who have been locked out of the market.

    START THINKING ABOUT GENERATION Z

    It won’t be long before Gen Z reaches the market. They’re teenagers now, Generation Z is almost reaching their 18th birthday in 2017. This generation is different and came of age in the midst of recession, war, terrorism and a stock-market collapse, and was burned by the housing downturn and crushing student-loan burdens,

    Gen Z will come of age with low interest rates, better job prospects and higher wages to help cushion the high cost of college education.

    The Al & Dee Real Estate Group can be reached at 228.374.0002 or via email at marketing@alndee.com. They are located at 10311 Boney Avenue, Suite B, D'iberville, MS 39540. To see the latest real estate listings and properties soon to be listed, visit our web site at www.alndee.com. Questions about this article, contact Al Allegue at al@alndee.com. Thinking about selling your home? Contact Dee at dee@alndee.com or directly at 228.374.0002.

  • Six things to consider when buying living room sofas

    Six things to consider when buying living room sofas

    Six things to consider when buying living room sofas

    Take a seat. Here are six things to consider when buying living room on which you undoubtedly spend a good chunk of time snoozing, socializing, snacking and watching TV.

     Set a Budget

    Decorating can easily blow your budget if you're not careful. Before you even begin shopping, decide exactly how much money you want to spend on a new sofa. This will really help to keep your search under control and save you tons of time.

    Be Honest How you Live

    If you're the type who spends a lot of time lounging around your living room, you'll want a sofa that's deep and comfortable. If you have kids or pets, consider a durable fabric. Not really a couch potato? Go ahead and spring for that less-comfy, modern sofa. Have overnight guests often? Try a sleeper.

    Pay Attention to Proportions

    Consider the size of the room and the other pieces of furniture that your sofa will share space with. The last thing you want is to overcrowd a room or find out that the sofa you chose fails to maximize the space you're working with. Before you purchase the sofa, make sure its dimensions work with your room.

    Think About Fabrics

    Along with selecting a sofa that coincides with your color scheme, choose a design upholstered in a fabric that suits your lifestyle. For those with small children or pets, leather or a washable slipcover is ideal. You want a material that is durable and still holds it shape after food spills and everyday wear and tear. Neutral-colored sofas are safe bets and can be spruced up with throw pillows in vivid patterns for a fun look. If you're more on the adventurous side, you can go for a bold color and balance out the look with a rather neutral room.

    Dig for Treasures

    Sometimes treasure can be found in the most unexpected places. Instead of going to the same mass retailer you always count on for furniture, try shopping in new places. From online vendors to your local antique fair, unique sofas are everywhere. Look through magazines to find the companies who make designs you love.

    Don’t Rush It

    Don't rush through the process of shopping for a sofa. Finding one that suits both your style and budget can take a bit of time. The good thing is, it's worth the effort since you'll likely have your sofa for at least a few years. It's not impossible to find the perfect sofa that suits your taste and fits into your budget. If you give yourself plenty of time to search and pick the right design for the way you live, you'll find a sofa worth treasuring for years to come

    The Al & Dee Real Estate Group can be reached at 228.374.0002 or via email at marketing@alndee.com. They are located at 10311 Boney Avenue, Suite B, D'iberville, MS 39540. To see the latest real estate listings and properties soon to be listed, visit our web site at www.alndee.com. Questions about this article, contact Al Allegue at al@alndee.com. Thinking about selling your home? Contact Dee at dee@alndee.com or directly at 228.374.0002.

     

     

  • Al & Dee urge homeowners to take advantage of cheap money

    Al & Dee urge homeowners to take advantage of cheap money

    [caption id="attachment_1045" align="aligncenter" width="805"] Take advantage of cheap money[/caption]

    Mississippi real estate experts Al & Dee share 3 crucial rules on how homeowners could save thousand of dollars and pay off their mortgage faster – just by taking advantage of today’s “ridiculously low interest rate” and cheap money.


    1. "Not shopping the market...is like giving money away"


    Did you know 77% of borrowers only apply with a single lender or broker? Big mistake. If you don’t shop around, you won’t know if you’re getting the best rate — and you won’t know if you qualify for a brilliant government program called the Home Affordable Refinance Plan (HARP).

    Even though 3.38 million mortgages have been refinanced through HARP, hundreds of thousands of homeowners are still eligible for this free government program, which could help you save as much as $3,500 in the first year alone.4

    URGENT: HARP is set to expire this year, and sadly, many still perceive this program to be too good to be true. Remember, there is NO cost to see if you qualify for this amazing government program. See if you qualify here.

    1. “If you don’t take advantage of the market now, when will you?”


    Even though The Fed raised rates in late 2015, rates are just as low if not lower than they were one year ago. What does this mean for people like you? According to Corcoran, it means that now is the time for homeowners to “take advantage of today’s cheap money.”

    1. “The sooner is always the better”


    These rates are still at near historic lows for now, but no one knows when the rates will rise - or by how much. So while it’s estimated that millions of homeowners can still save by refinancing, they should act fast. HARP is due to expire this year, so you can’t afford to wait. If you want to get the “ridiculous low interest rate” that Al & Dee talks about, you have to act now.

    How to Get Started

    To cut through the clutter, Al & Dee suggests that a great place to start is online, at The Easy Loan Site.

    Their network of lenders is one of the largest in the nation and includes many HARP lenders. Plus, it enables you to save time and money by letting you compare multiple lenders at once. It’s a risk-free way to find out how much you could save.

     

  • Americans are stressed over their finances

    Americans are stressed over their finances



     

    Americans are stressed over their finances. In fact, the current financial stress rates in the U.S. are among the highest they have ever been over the last five years, according to consulting firm PwC’s 2016 Employee Financial Wellness Survey. In Mississippi for example, the majority of people surveyed did not realize how simple it is to set aside money for emergencies. Many of them prefer to use their credit card to fund emergencies creating additional debt.

    To find out exactly what is causing so much financial stress among many Americans, GOBankingRates.com surveyed more than 7,000 people in all 50 states and the District of Columbia and asked them: "Of the following, what is your No. 1 cause of financial stress?"

    The survey respondents had seven options to choose from:


    • Paying off my debt (i.e. credit cards)

    • Not being able to retire

    • Not having enough money to fund an emergency

    • Wanting a nicer lifestyle

    • Paying for education

    • Lack of stable income

    • Paying my mortgage or rent


    Among all states and DC, the most common answer respondents gave was "paying off my debt," followed by "not being able to retire" and "not having enough money to fund an emergency." The least popular answer was "paying my mortgage or rent."

    Regardless of the cause of financial stress, it’s important to address it rather than ignore it, said Al Allegue, CEO and Co-Founder of The Al & Dee Real Estate Group.

    “Create a strategy, or hire a professional to create one for you that will have actionable steps,” he said. Following the teachings of financial advisor and Fox News contributor Dave Ramsey, families can get completely out of debt in very little time.

    Click through to see what the most common causes of financial stress are in your state.

  • Household Magic For Everyday Use

    Household Magic For Everyday Use



    Here are a few tricks we've found that can help if in need of natural solutions. Our Household Magic for Everyday Use are twelve money-saving, time-saving and surprising new tricks using everyday products. The Al & Dee Real Estate Group.

    Using liquid drain cleaners eat away at the pipes


    Instead toss 3 Alka-Seltzer tables down the drain and add 1 cup of distilled white vinegar. Wait 3 minutes, then run the hot water.

    Removing Red Wine Stains


    Blot off the red wine with a paper towel, then neutralize it with some table salt or baking soda into the stain, and dab it off with club soda.

    Removing Candle Wax


    Put ice in a plastic bag and place the bag on top of the wax. Keep it there until the wax is frozen. Then brake off the frozen wax.

    Cleaning Stainless Steel


    Gently rub any marked-up stainless steel fixture and appliances with a used fabric-softener sheet from your laundry.

    Removing Hairspray


    Give your mirror the once-over with a cloth dampened with rubbing alcohol. Alcohol will evaporate on its own.

    Cleaning a Drip Coffee Maker


    Once a month fill the water reservoir with equal parts of distilled white vinegar and water, and run it though the brew cycle. Then, using just plain water, rinse it out with another cycle.

    Cleaning a Microwave Oven


    In a microwave-safe glass bowl, squeeze in the juice of 1 lemon and add 1 cup of water. Place it in the middle of the microwave, and zap it on high for 1 minute. Let the bowl stay in the oven, with the door closed, for about 10 minutes. Then wipe away the junk.

    Cleaning a Refrigerator


    Use baking soda on a damp sponge or cloth.
    Cleaning a Garbage Disposal. Every other month pour 1 cup of, what else, baking soda from the refrigerator when you are ready to replace it.

    Detergent Substitute


    In an emergency, when you must do the wash and you don’t have any laundry detergent, use shampoo… that is, if you have shampoo. About 1/3 cup will do a full load.

    Bleach Substitute


    Instead of using harsh bleach, try ½ cup of lemon juice… or 1 cup of distilled white vinegar… or 6 ounces of hydrogen peroxide (3%) in your wash.

    Pain Easing Solution


    If our hands feel achy, combined 3 cups of hot water, 3 tablespoons of witch hazel and ½ cup of Epsom salt. Dip your hands in the solution for about 5 minutes. This allows the magnesium sulfate to penetrate and ease the pain in your joints.

    To see homes now available for sale, go to www.alndee.com

     

     

     

     

  • Modeling Photos Sells Ocean Springs Home

    Modeling Photos Sells Ocean Springs Home



    Modeling Photos Sell Ocean Springs Home. It's amazing what would sell a home, and knowing what to do is what Al & Dee are great in doing. In this case an owner's modeling photo sells her affluent Ocean Springs home.

    Al & Dee Allegue are the founder of The Al & Dee Real Estate Group at Pinnacle Real Estate on the Mississippi Gulf Coast.

    This was a $400,000 Mediterranean-style house in Ocean Springs. The owner contacted me and ask me to sell her home even though in had been on the market for over two years with four different real estate agent. She was a very sweet woman in her 60s, very pretty, but a little overdressed and overly made up.

    Al & Dee walked into the house and they saw this picture of her. It was a professional modeling head shot— the owner mentioned she had modeled when she was younger—where she looked to be in her late 20s. It was a really nice picture and she looked beautiful in it, with  beautiful hair and green eyes.

    Then, as they walked through the house, the owner mentioned that when the house was on the market before, all the agents wanted her to take her photos down while on the market for sale to "depersonalize" the home. As they continue to walk thorough the house, they realized that this same picture was all over. There were huge blow ups of it on the walls, and framed versions of it in the bathroom, the living room, everywhere. There were maybe 40 copies of the exact same picture around the house. It was so creepy.

    "We didn’t address it then, but when we went to stage the property and shoot photos, we had to deal with it.", said Al. 

    “Oh my God, you’re so beautiful,” Dee said. “And I do want people to know who you are, so we need to keep these pictures up.” They left about 35 versions of the picture. Besides, if a mix of generic pictures didn't sell the house before, then why not keep the pictures! 

    She was happy to hear our comments, and much happier when Al & Dee sold her home in 21 days. She was super sweet. She just said, “Oh yeah. I just love that picture.”

    —Edited from interviews with Katy McLaughlin

    To see Al & Dee's newest listed homes go to www.alndee.com

     

     

     

  • 13 Spooky Signs Your House is Haunted

    13 Spooky Signs Your House is Haunted



    Your home or apartment is usually your safe haven and your most comfortable space, but you can't help but notice strange occurrences lately. The lights are flickering mysteriously, your cat or dog is intently staring at what appears to be nothing, and even some of your belongings are starting to disappear without explanation. This could all just be a series of odd coincidences, or maybe they might mean a little something more. We all have our own beliefs when it comes to the authenticity of things that "bump in the night", but we have gathered 13 Spooky Signs Your House is Haunted of some possible paranormal activity.

    #1. Unexplained Noises
    If you are alone, yet you are hearing footsteps, creaky floors, or even a startling 'thud' in the night, it may be cause for concern. Do you hear spooky sounds.

    #2. Lights Flickering On and Off
    You are positive you turned your bathroom light off before leaving the house, yet it is shining bright when you return. This could be due to a bad memory, or some ghostly activity could be at play in your haunted house.

    #3. Strange Animal Behavior
    Dogs and cats are said to have unique connections to the "other" world. Stranger Dimensions suggests that a cat staring at invisible objects or a dog barking into space could mean they see something that you do not. When this happens, ask Sparky to show you where "it" is. Good luck!

    #4. Items Disappearing or Being Moved
    When you find yourself turning over the house to find a book, a favorite necklace, or even your glasses, you may want to think twice. Did you really misplace your items, or did something/someone else? And did you find them later in a different place? This maybe a sign someone or something is playing games with you.

    #5. Areas of Extreme Temperature
    Stepping into a random area of your home that is extremely hot or cold, without any kind of discernible explanation, is another major red flag. Some say spirits draw energy from the environment and thus you have the cold spots. Have your HVAC unit check for spooky cold and hot areas.

    #6. Questionable House History
    It may not hurt to delve into the history of your home or apartment. If any kind of shady activity took place there many years ago, the aftermath of that may still haunt the physical space.

    #7. Doors Opening and Closing
    Hearing, or worse - seeing, your doors open and close on their own is another sign of the supernatural. However, The Occult Blogger cautions to not confuse this with a simple breeze moving through, as this sign in particular can be easily misinterpreted.

    #8. Random Smells
    Noticing a foreign smell similar to a perfume or cologne is a revealing sign to watch for in your home.

    #9. Feeling an Unknown Presence
    Do you often experience an odd sensation that you aren't completely alone? This could be your mind playing tricks on you, or there could be a ghostly presence nearby.

    #10. Hearing Subtle Voices
    The moment when you realize the TV was not left on in the other room like you originally thought.

    #11. Witnessing Apparitions
    There is also the possibility of witnessing eerie apparitions. While this can prove to be a creepy experience, Forever Conscious says that blue orbs can mean spirits, but white orbs can mean angels!

    #12. Startling Nightmares
    Telepathic activity can even affect your sleep, filling your usual lovely night's rest with unpleasant dreams. Or perhaps your spouse was just starring at you while you slept.

    #13. Levitating Objects
    While the chances of your cereal bowl or coffee mug levitating off the table are small, it is still a plausible situation for haunted homes. It's said that spirit can levitate small items such as pencils and coins.

    Do you have a problem with your haunted house? Call The Al & Dee Real Estate Group at Pinnacle Real Estate. They can help you sell it, and find you another. Go to www.alndee.com

     

     

     

     

     

     

     

     

     

     

     

     

     

     

     

  • Elegant Lakefront Home – Shadow Creek, Biloxi

    Elegant Lakefront Home – Shadow Creek, Biloxi





    Elegant Lakefront Home - Shadow Creek, Biloxi set along the northern shore of Shadow Creek Lake, is this exceptional four-bedroom offering unrivaled breathtaking sunsets and sunrises. The impressive foyer reveals the generous living and family room showcasing spectacular water view and access to private lake. Unsurpassed features included over <2,500GSF, luxurious appointments, high ceilings, gourmet kitchen, custom built-ins, hardwood and ceramic floors, and an open floor plan perfect to entertainment and family living. This private estate is designed to delight all your senses – breath in the inspirational views or relax in your own spacious Master Bedroom Suite with sitting area and French Doors. A spectacular estate for those discerning few who simply require the best.

    Amenities include Cathedral-style ceilings for spacious feeling supported by oversized windows with expansive views to private lake. A grand Formal Dining Room open to a wide and spacious living and family room designed to captivate optimal space.

    Other amenities include:


    • Gourmet kitchen

    • Breakfast area overlooking garden and lake

    • Chicago-style brick and ceramic floors

    • Unsurpassed features include open living room with showcase columns

    • Architectural detailing such as Crown Molding

    • Enjoy the outdoors with large patio pad for entertainment and family living with outstanding views of the lake

    • Luxurious Owner's Suite with elegant private bath

    • Split bedroom plan for maximum privacy

    • Extremely large yard with space for RV and boat storage


    If you are military active duty, retired, Reserves or National Guard, this home can be purchase with zero money down and a fix 30-year interest rate of 3.5%.

    This magnificent home has 4 bedroom, 2 bathrooms, 2,100 sf of heated and cooling space on more than 1/4 acre lot. Offered at $198,975 | The Al & Dee Real Estate Group, 228.374.0002 | For more photos and a Virtual Tour visit us at www.alndee.com

     

     

     

     

     

     

     

     

     

     

     

     

     

  • The Benefits of a Home Warranty

    The Benefits of a Home Warranty

    The benefits of a home warranty can be surprising. How many of us have a received one of those pesky phone calls, just to hear someone on the other line trying to sell you something while you are right in the middle of eating dinner? I am sure that we all have at some point. The fact is, having a home warranty in place when something in your house stops working can save you hundreds of dollars! Maybe even thousands, sounds amazing right?

    Whether you are buying a home, selling a home or already have a home, you really can't go wrong in investing in a home warranty. A home warranty is an excellent investment, and it is the best defense against the unexpected service repair costs of a residential home's major mechanical systems and appliances. A home warranty service helps save money and protect your budget when things around the house need a repair. Having this in place, enable you to pay only a standard deductible per service call, per trade, on covered components rather than paying more money towards repairs. The home warranty ensures that covered items will be fixed or replaced.

    So how does a home warranty work, you ask? Well basically, after you have purchased a home warranty, when something in your home stops working or needs replaced or repairs, you call your home warranty provider who then is responsible for getting in touch with a licensed professional to do the repairs. The professional will then call you to set up an appointment to come to your home to determine your repair or replacement needs. Getting a home warranty on your home is easy! But, make sure that you do your research and find the one that best suits your needs and that will cover all the things that you are looking for to be covered. Some home warranty programs can be as low as $400.00 for the year with a $70.00 service fee. That may seem like a lot, but what happens if you have 3 major repairs happen back to back? Well, then you would be glad that you chose to get a home warranty!

    Protect your budget and your home, and do some research on home warranty programs that will suit your needs.

  • Ways to Save on Your Utilities

    Ways to Save on Your Utilities



    Wouldn't it be amazing if our utility bills were included in our monthly rent. We would be able to keep the house as cool as we wanted to during the hot summer months, take long hot showers without worrying, it wouldn't matter what time of the day we did the laundry. Less stress, now that's the dream! Most of us have to watch how we use our utilities, and make sure that we are not sending our money out the window or down the drain.  Who doesn't like to save money on everyday expenses that we have to use? I think that we would all like to save money on these things. Here are 7 ways to save on your utilities.


    1. One of the easiest ways to save money and energy is by replacing lightbulbs with energy efficient bulbs. These bulbs use 75% less energy and last up to 10 times longer than the standard lightbulb. This saves the consumer not only on their electric bill, but also on replacement costs.

    2. Another way to say money on your electric bill is by adjusting your thermostat. A thermostat that can be programmed for the times of day that you are away from home can save you big time by being off when you are not home, but also by having the house cooled down or warmed up by the time you make it home. Adjusting your thermostat by even one degree can save you a decent chunk of change.

    3. Washing your laundry in cold water and hanging clothes out to dry can also save money. Also, make sure that you wash as much as you can in one load and try to avoid partial loads of laundry.

    4. Appliances, even when not turned on, use electricity. Make sure to unplug appliance's that are not being used to save money. A lot of people are not aware that these appliances that are plugged in but not on are using power.

    5. Installing curtains or window coverings on windows with direct sunlight will help reduce the heat coming in through the window and reduce the amount of time the ac unit will have to be on to cool your house down.

    6. You can also save money on your water bill by installing low-flow fixtures around the house.  Replacing shower heads and faucets will help reduce the amount of water that is being used while also putting a little extra money in your pocket.

    7. Get the family involved in your efforts to reduce utility costs. Make sure that they are mindful of turning off lights when they leave a room, unplugging the things that are not being used and setting a timer for when they are in the shower. The more help in your efforts to save money, the more money that will stay in your wallet.


    These are a few simple ways to help save money on your utilities, and you can also contact your local utility company and find out if they have any tips and tricks to save.

  • Luxury Living in Los Cabos, Mexico

    Luxury Living in Los Cabos, Mexico



    Luxury Living in Los Cabos, Mexico. Welcome to Espiritu, Los Cabos’ most exclusive private residential, resort and beach club community. Located where the mountains meet the sea in Palmilla, Los Cabos, Espiritu presents an unsurpassed lifestyle of casual elegance and carefree vacation living, combining the very best design with the finest amenities, service and property management.

    This is a distinctively new 75-acre enclave of magnificent residences, Espiritu is carved into the mountainside with spectacular views of the Sea of Cortez. Espiritu is a Del Mar Development property in partnership with MSD Capital, L.P., the investment firm formed to exclusively manage the capital of Michael Dell and his family. Thoughtfully designed to be as unique as its surroundings, Espiritu features acres of parks, open spaces and walking paths that meander from the hillsides to two miles of pristine, white sand beach. The culmination of Del Mar Development’s 20 years of experience in Villas Del Mar, Espiritu offers innovative resort home designs featuring diverse floor plans, from 3-bedroom villas to sprawling 10,000 square foot custom estates, that seamlessly blend indoor and outdoor living.

    These estates represent the first residential offering of their kind in the Del Mar communities — a limited collection of residences and penthouses featuring, a sophisticated yet casual contemporary design. Located in the heart of Espiritu, just a short stroll away from the Club Espiritu Health and Fitness Club and a golf cart ride away from the Club Ninety Six beach club.

    For additional information and private showing of this unique luxury estate contact Al Allegue, CEO & Co-Founder of Pinnacle Real Estate. Flights from Gulfport International Airport are weekly and scheduled by appointment.  Serious interested parties must be pre-funded for showings.

    This listing is in co-operation with The Agency Real Estate Company, and MSD Capital, L.P.

    Contact information: 228.313.1240 or al@alndee.com. Visit our web site at www.alndee.com

     

  • 14 Ways of Saving Money when Buying Groceries

    14 Ways of Saving Money when Buying Groceries



    You are  always looking for way to save money at the grocery store. These simple 14 steps will save you lots of money at the grocery store.


    • MAKE A LIST - Going to the grocery store without a list of things you need will cause you to buy on impulse.

    • TAKE AN INVENTORY - Before going out he door, take an inventory of the items you need.

    • SHOP ALONE - A study showed that 65% of people who buy groceries when accompanied spend more money.

    • MAKE ONE WEEKLY TRIP - The more you buy the more your spend. Cut your shopping to smaller trips.

    • DON'T SHOP HUNGRY - You heard his before; it's true!

    • LOOK HIGH AND LOW - Grocery stores are a business, and more expensive item on the shelve are place at eye level.

    • GO GENERIC - Consider generic brands as it normally costs 10 to 15 percent less.

    • LOOK FOR MANAGER MARKDOWNS - These are a great source of savings.

    • CUT AND SLICE YOURSELF - Specially in fruits. Fruits that are cut and packaged are more expensive than if you do it.

    • USE THE ENVELOPE SYSTEM - Set aside your monthly food budget and place it in an envelope. Don't spend more.

    • BUY IN BULK - When possible plan ahead and buy case lots of the food items you use the most.

    • USE COUPONS - Yes, we know, it's a pain in the neck. But using coupons can save you up to $15 in one shopping trip.

    • TWO-FOR-ONE SALE - Look for these deals as long as you needs these items.

    • SHOP AT THE DELI - Need sliced cheese, or ham or sandwich meat? Have it sliced at the deli counter is cheaper than buying a precut package.


    More ways for saving money when buying groceries => Article

     

     

  • Just for Mississippi Veterans

    Just for Mississippi Veterans





    This new real estate program is just for Mississippi Veterans buying or selling homes. No hard feelings, but if you’re not a Mississippi veteran, past, present or family member, then the Mississippi Veteran Only Program Is Not For You.

    The Al & Dee Real Estate Group at Pinnacle Real Estate, lenders, and real estate service affiliates teamed up to provide a special discount program just for you. Whether you are buying or selling  homes, this program will put money back into your pocket.


    It is simple:
    - Available for home buyers and home sellers
    - No paperwork – just something showing you are a Veteran
    - No sign up fees
    - No difficulties
    - We literally built this program to give back to you!

    Al and Dee Allegue, founders of The Mississippi Military Only Program said, " The creation of this program has been a mission close to our hearts. There are many financial programs available to military veterans but no one knows about them! That is our mission: to educate Mississippi Veterans. Most would agree: YOU, for what you do, who you are, how you impact lives, and for the service to the community, deserve something special."

    Call their offices at 228.374.0002 or email them at al@alndee.com and receive a copy of their report, Helping Mississippi Veterans Buy and Sell Homes". This report outlines how Al & Dee will put thousands of dollars in your pocket when buying or selling a home. Again, this program is ONLY for Mississippi Veterans, past, present and their families. Because this report is copyright, it is not available to other real estate professional. If you are currently working with a real estate professional, please contact your agent and ask about this program.

    Call them at 228.374.0002 or visit their web site at http://alndee.com


  • Home Pre-Inspections Saves Thousands

    Home Pre-Inspections Saves Thousands



    Home Pre-Inspections Saves Thousands. Having your home inspected before you sell is critical specially on homes that remained after Hurricane Katrina.  The key to selling a property before all others competing for the same buyers is to use the have the home inspected, fixing any issues identified, then making the home inspection report available to any potential home buyer. Is it necessary for every house? No, but  in our 30+ years of experience we have been able to get a higher sales price for pre-inspected homes than those that are not.

    A home inspector will visually inspect your home. He can’t go behind any walls or tear out any drywall or flooring to look behind. So he visually inspects the structure to make sure it is sound. He will check the electrical systems to make sure everything is wired and grounded correctly and up to code – at the time it was installed or updated. He will check plumbing, all faucets and drains to make sure that they are functioning properly. And he will check all appliances that will convey with the house including kitchen and laundry. He will do a visual inspection of the roof to determine how much useful life it has remaining and will check the attic for any possible leaks. Finally he’ll check the heating and cooling systems to make sure that they are functioning properly and have been maintained. Additionally, there might be Mold, Well Water, Septic, and Chimney inspections.

    Just like a business does when preparing for sale, we treat your home like a business and our focus is to enhance the perceived value and thus the ROI (Return on Investment) of you home. The Al & Dee Real Estate Group | For more information check out our web site at www.alndee.com

     

     

  • Biloxi Children’s Mardi Gras Parade

    Biloxi Children’s Mardi Gras Parade


    Children’s Walking Parade on January 30th!


    If you’ve never seen the children parade in Downtown Biloxi throwing Mardi Gras beads, you have missed an incredible sight. Now is your chance. If you have children ages 12 and under applications are now available for the annual Biloxi Children’s Mardi Gras Walking Parade on January the 30th. Children and their parents can walk, bike, skate, or be pushed in strollers or wagons in this parade. You can pick up an application at our office at 770 Water Street in Biloxi. Our office is located on Water street between Half Shell and Mary Mahoney’s restaurants.

     

     

  • New Listing – Contemporary Design

    New Listing – Contemporary Design



    Private, secluded and extremely comfortable describes this Lakeview home located in secluded neighborhood. Two formal areas, spacious family room, and an adjacent open-style kitchen allowing for family interaction or privacy. Master Bedroom Suite and on-suite bathroom is located on the main floors with the rest of the bedrooms on the second level. This home is built on a premier fenced lot. It truly exudes the luxury and sophistication a home in a location as stunning as this deserves.

    Status: Active
    Price: $179,850
    Type: Residential
    Bedroom: 4
    Baths: 2.5
    Living Area: 2,321
    Lot Size: 102’ x 149’ x 52’ x 140’
    MLS#: 296299

    For more information on this listing, click here. Contact us for inquiries at 228.374.0002.

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