Tag Archives: Blog

#TBT: How Pittsburgh Got It’s “H” Back

DHREA 19/07/2018

PittsburghHistoricalMarker

 

Thanks to the United States Board on Geographic Names, big cities and little towns alike lost a lot of character in the late 1800s. In 1891, with President Benjamin Harrison’s stamp of approval, the board decided to change a few things about how towns and cities should be named. One of the newly adopted rules impacted Pittsburgh, and in typical Pittsburgher fashion, we demanded we get “our” Pittsburgh back. Let’s all be honest with ourselves…Pittsburg, PA, just doesn’t seem right, does it?

One of the newly adopted rules read as such: “IN NAMES ENDING IN ‘BURGH,’ THE FINAL ‘H’ SHOULD BE DROPPED.”

The city was happily using that “h” for more than a century! We had  newspapers, baseball teams, and buildings already bearing the consonant. “Too bad”, said the committe. Thus, Pittsburgh became “Pittsburg”.

Never going quietly into the night, the city said, “Not so fast, my friend.” While most cities weren’t bothered enough to fight for their heritage, Pittsburgh wouldn’t make the change to “Pittsburg” quietly. The city was originally named to honor William Pitt the Elder, but it was General John Forbes who did the naming. His Scottish background is the reason for that extra “h” (think Edinburgh). To edit the spelling to the German “burg” was akin to editing the city’s founding.

After 20 years of complaints, the Board finally overturned their previous decision on Pittsburg(h)’s controversial consonant on July 19, 1911. Town representatives even got a little sassy when they announced victory, claiming they were from “Pittsburgh, a city in Pennsylvania (not Pittsburg)”.

Never change, Pittsburg. We mean…PITTSBURGH!!!

 

Join 460+ other investors and connect with Alex Deacon on MeetUp! Click below!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
467 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

 

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#TaraMTG Tuesdays: Starter Homes vs Forever Homes

DHREA 17/07/2018

(Every Tuesday we feature a blog from one of our fantastic affiliates, Tara Mortgage Services!)

 

When you’re a first-time homebuyer, the first thing on your mind is probably, “how much home can I afford?” and rightfully so! Knowing how much you qualify for is the first step to buying a home.

But here’s another crucial detail to consider: should you buy a starter home or a forever home? 

Starter Home vs Forever Home: What’s the Difference?

You can think of a starter home as a jumping off point in homeownership. When you buy a starter home, you probably don’t intend to live there for more than a few years. 

However, with a forever home, you’ll likely plan on living there for many years –maybe even for the rest of your life! So when comparing the two options, have in mind how time you intend to live in the home and how that fits into your goals.

Reasons to Choose a Starter Home

Potentially More Affordable Than a Forever Home

Condos and small houses are a favorite starter home among first-time homebuyers. A smaller house is likely to fit your budget better, and if you’re single or have a small family, a one to two-bedroom may be all you need anyway.

A lower-priced, modest home means a smaller downpayment too! When you pair that with an FHA loan that requires as little as 3.5% down, you can see why some are willing to sacrifice space (for a while, anyway) to buy a starter home.

Desire to Start Investing In Your Future

You’d think that a mortgage payment is more than rent, but often the opposite is true. Even if the overall house payment is slightly higher than your current rent, what you get in return is so much more.

You can think of a mortgage payment as an investment in your future, and with every payment, you own more and more of the house.

Plus the real estate market helps you out by possibly increasing the value of your home. Can your rent payment do that?

Improve Your Investment Without Commitment

Even if you don’t make any improvements to your home, the market could work in your favor and increase the value. But if you want to help it along, consider making some upgrades!

The key to home improvements in starter homes is to focus on those with a reasonable return on investment. So before you gut out the bathroom for a complete remodel, look into less drastic upgrades like replacing the tile and sink.

Another thing to consider, at least for style purposes, is to use designs that most appealing to homebuyers. So if you replace the kitchen countertop, consider a neutral colored granite instead of a stark black one. You’ll want to save those personal touches for your forever home.

Reasons to Choose a Forever Home

Have or Plan to Have a Family

Space for a growing family is one of the most common reasons to buy a forever home. A condo for a 2-3 person family might be okay for a while, but eventually, you’ll want more space in case you add to your family, you want a yard for the kids to play in, or even just a large enough dining area entertain.

It’s a Buyers Market

When market conditions are in your favor, you definitely want to consider a forever home versus a starter home. Not only will get more home for your money, but you’ll have the piece of mind that you got the best rate and a payment you can afford.

You’re Ready to Set Roots

It’s comforting to know that you won’t be moving any time soon. You can settle in, make lasting friendships with your neighbors, upgrade your home just the way you like it knowing that this is your home to do as you please.

Of course, you always have the option to sell to buy again!

When you buy a forever home with a loan with Tara Mortgage Services, you’ll know that you’ve got an amazing deal with a mortgage payment you can comfortably afford, and you can breathe a sigh of relief that you’re finally home.

Still not sure if you should buy a starter home or forever home? That’s okay! The most important thing is that you get pre-approved for a home loan first. You’ll still have time to think about what home to buy, but you don’t want to miss out on current low rates! Contact Tara Mortgage Services today!

 

 

Join Alex Deacon’s Real Estate Investing Networking group today!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
467 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

 

 

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Today in Pittsburgh History: 3 Rivers Stadium Opens!

DHREA 16/07/2018

ThreeRivers

The landscape of Pittsburgh’s North Shore has definitely changed over the past 15-20 years. Before PNC Park and Heinz Field book-ended a modernized North Shore, Pittsburgh’s sports fanatics flocked to the most infamous of what was called “cookie cutter” stadiums…Three Rivers Stadium. Make no mistake, PNC Park and Heinz Field were a pleasant addition to the Steel City’s recent modernization process, and have really helped to revitalize the North Shore. However, a conversation could be made that when Three Rivers Stadium was torn down, so was one of the most iconic sports venues in North American history. As beautiful as the new stadiums are, the vibe at Three Rivers Stadium was untouchable.

After a 29 month build process, which included several setbacks, Three Rivers Stadium finally opened on July 16th, 1970. The visiting Cincinnati Reds defeated the Pirates 2-1. The new facility, which cost $50 Million (roughly $355 Million today), was designed to hold both the Pirates and Steelers more efficiently than the legendary Forbes Field could. Forbes was still an incredible and breathtaking atmosphere for baseball, however many felt the “baseball first” design was holding Pittsburgh’s football team back from achieving success in the NFL. In the first 10 years of the stadium’s opening, the Pirates and Steelers delivered a combined 6 world championships. Maybe there was something to that sentiment after all!

Three Rivers Stadium was also the home of the short-lived Pittsburgh Maulers USFL franchise, as well as special event games for the University of Pittsburgh Panthers football team. The Panthers also called Three Rivers Stadium their home for the entire 2000 season.

Three Rivers was notorious for holding huge concerts as well. The biggest names in music played Three Rivers Stadium. Performers like U2, Guns N’ Roses, Pink Floyd, The Beach Boys, Led Zeppelin, The Who, Stevie Wonder, The Eagles, The Rolling Stones, Bruce Springsteen and the E. Street Band, and many, many more. The final concert at Three Rivers Stadium was held on the 40th anniversary of the stadium’s opening, when then pop sensation N’Sync performed on July 16th, 2000. We can look back and laugh at the act in question now, but the reality is even in Three Rivers’ final days, the stadium was drawing the largest acts in the world!

Three Rivers Stadium was also the first stadium in MLB and NFL to use “tartan turf”, or, artificial turf. A few years later, the turf was replaced with the then-branded “AstroTurf”.

We can all agree that in it’s final days, Three Rivers was ready to be replaced. While bittersweet, it was time. On February 11th, 2001, in front of an estimated 50,000 fans (some would say more) who braved a chilly Pittsburgh morning, the stadium was imploded at 8 o’clock in the morning. Cheers and tears flowed through the surroundings of the North Shore, as fans of all ages reminisced with generations of family and friends. In it’s short 30 year window in Pittsburgh history, Three Rivers Stadium unquestionably left an “immaculate” mark.

If you’re suddenly feeling nostalgic, you can amazingly still visit the (recently expired) Three Rivers Stadium website…HERE!

 

Join Alex Deacon’s Real Estate Networking Workshop group on Meetup.com! Click below!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
466 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

 

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

 

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Great Tips For Finding Your Property Line

DHREA 11/07/2018

 

Good fences may make good neighbors, but accidentally erecting one on a neighbor’s property can lead to hard feelings, or even a lawsuit. Whether you want to build an addition, figure out who’s responsible for tree removal, or plant a border hedge, you need to know where your yard legally ends and the next guy’s begins. Here, we’ve put together the most common methods for figuring this out. Some are simple and inexpensive, adequate for satisfying your curiosity. Others demand skills and will cost a few bucks, but may be necessary for certain construction projects. Read on to learn how to walk the line—and ensure that your house and landscaping stay on your side of it.

Check Sidewalks and Streetlights

Examine the lines that are cut in the sidewalk in front of your house. Often, the contractor who poured the sidewalk started and stopped on the property lines, so those cut lines may coincide with the edges of your property. As well, the appearance of the concrete on your side of the property may be slightly different from that on your neighbor’s side. Streetlights, too, are often placed on property lines. While these visual clues are good indications of property lines, if you intend to build or install something on your land, you’ll need additional verification.

Visit the Local Zoning Department

The zoning department is the municipal office that records plats: the maps, drawn to scale, that show land division. Unless your home was built more than a hundred years ago, you can probably obtain a copy of your block and lot plat for a minimal fee. This will give you the exact dimensions of your lot—in other words, the property you legally own—in relationship to other lots on your block.

Retrace the Surveyor’s Steps

When the surveyors were laying out the original plat, they determined a starting point for all the lots on your block. You can retrace the original surveyor’s steps by locating the starting point, which will be labeled on the plat as either the “common point” or the “point of beginning” (POB). It is often the center point of a side street. The original surveyor’s measurements will all be listed on the plat. With a long measuring tape, follow the plat as you would a treasure map, measuring your physical property as you go. Your measurements should correspond with the ones on the plat.

Locate a Hidden Survey Pin

Survey pins are thin iron bars, two to three feet long and sometimes capped with plastic, which the original survey crew inserted on the property lines. If you have access to a metal detector, move the device over the ground along the sidewalk to the curb to locate the survey pin. Pins may be buried just under the surface, or up to a foot below. A few days before you dig, however, you must call 811, the free, federally designated number that will route you to your local utility company. Ask the utility company to come out and mark any buried lines so you don’t unintentionally hit one. There’s no charge for this service, but if you damage a buried utility line, you could end up having to pay to repair it.

Beware of Moved Survey Pins

Survey pins are not foolproof markers. Over the years, previous owners, utility workers, or even a tree-removal company may have dug up a survey pin and reinserted it nearby, or just tossed it aside. Your actual property line, however, does not change just because someone messed with the survey pin. For example, if you locate survey pins 60 feet apart on opposite sides of your property but the plat says your lot is 50 feet wide, one of those pins may have been moved, and your property is still just 50 feet across.

Dig Out Your Deed for Additional Info

In older neighborhoods, property owners may have purchased or sold off portions of their yards. Locating a survey pin won’t give you this information, but the most recent legal description recorded on your deed will list any such changes. If you don’t have a copy of your deed filed with your homeowner records, get one at the register of deeds office, often located within your county courthouse.

Consider the Metes and Bounds Survey

If your deed features a metes and bounds survey—a survey that describes the exact distances and directions from one established point on your property line to the next—you’ll have all the information you need to locate your property lines. Unfortunately, this type of legal description is notoriously difficult to comprehend unless you’re a surveyor.

The metes and bounds survey cites a starting point, located at one of corners of your property. From there, the survey will give you detailed directions and distances to help you locate the rest of the corners and boundary lines of your property. It’s similar to a connect-the-dots game, except you do it on foot, not on paper. You’ll need a long measuring tape as well as a good-quality directional compass so you can move systematically from point to point.

You’ll find that a metes and bounds survey reads like a Bret Easton Ellis novel…quite confusing. A typical survey may tell you to “commence” from the point of beginning (POB), “running thence westerly 100 feet, thence southerly at an interior angle of 55 degrees to a point,” and so on until it brings you back to the original starting point.

Bring in a Professional Surveyor

Before you drive yourself too crazy with the metes and bounds survey, know that the only legally binding method to determine exact property lines (essential if you intend to build an addition to your house) is to have a professional survey. Local building codes will determine how close to your property line you can legally build. A professional survey could cost from a few hundred to more than a thousand dollars, depending on the size of your property and the complexity of the survey. Costly, perhaps, but adding to your dream house while keeping in your neighbors’ good graces is priceless!

 

Alex Deacon’s Real Estate Investment and Networking Group is rapidly growing! Join over 450 other realestate professionals today!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
464 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

 

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

 

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#TaraMTG Tuesdays: 10 Credit Score Myths DEBUNKED!

DHREA 10/07/2018

(Every Tuesday we feature a blog from one of our fantastic affiliates, Tara Mortgage Services!)

Your credit score is one of your most powerful tools for planning your financial future –mostly because it determines the terms of loans like mortgages. Unfortunately, there’s a lot of misunderstandings about FICO scores, and it can lead you to miss out on the benefits of your credit.

Myth #1 Checking Your Credit Lowers Your Score

There’s a difference between you checking your credit and a creditor checking your credit. When you apply for credit, the creditor conducts “a hard inquiry” to review your rating. Only hard inquiries affect your score. Inquiries stay on your report for 24 months, but only the ones from the past 12 months affect your score.

The good news is that one or two inquiries a year are nothing to worry about. But have been applying for credit or loans more than three times a year, it may start lowering your score.

Myth #2 Your Debt-to-Income Ratio Affects Your Score

Debt-to-income ratio is the amount of monthly debt obligations, like car payments, compared to your monthly gross income. Credit bureaus don’t have access to your income so there’s no way for them to factor it into your score. DTI ratios are most often used to determine how much home you can afford. Considering this, it’s a good idea to lower your debt to get a larger loan. However, when it comes to your credit score, your debt-to-income doesn’t affect it.

Myth #3 The Higher the Debt, The Lower the Score

Not all debt is the same! Debt from a mortgage, even a $300,000 mortgage loan, is considered “good debt” because a home is a financial investment. $15,000 credit card debt, on the other hand, is bad debt.

Keep your credit balances low, preferably below 15% of the credit limits, and you’ll be on your way to maintaining your FICO high.

Myth #4 Paying Off Collections Raises Your Score

This one is surprising. Once a collection agency is involved, your score is going to take major hit. Even after you pay off or settle the debt, the delinquency will still show on your report. The only way to remove it is by disputing it with all three major credit bureaus. It’s not easy but worth the effort!

Myth #5 Your Credit Becomes Joint with Your Spouse

When You Get Married Getting married doesn’t automatically include your spouse on your credit nor does it add you on theirs. If you want to be added to their account and possibly reap the benefits of their credit score, your spouse needs to call creditors to have them add you. 

Myth #6 A Better Job Means You’ll Have a Better Score

Despite credit bureaus having your employers information, they don’t have access to your salary or yearly income. So a better paying job won’t affect your credit score. On the other hand, higher income could mean you can now pay down debt –and that definitely increases your credit score! 

Myth #7 If You Don’t Use a Credit Card, You Should Close It

The longer your credit’s open, the better it is for your score, so you never want to close credit cards. However, creditors may end up closing it if there’s no activity so try to use it (and pay it off) every month to keep it open.

Myth #8 Opening a Credit Card will Hurt Your Score

This myth is a little tricky. While opening a new credit account will make your score drop initially, it’s only temporary. After a few cycles of payments, your new credit will start to rise again and even improve from where it was in the first place.

Myth #9 One Late Payment Won’t Lower Your Score Much

Payment history is the most significant factors in your FICO score. Even just one payment that’s late by 30 days lowers your score by 50 points or more. Don’t let this happen to you! Set up a reminder or automatic payment schedule and avoid making this costly mistake.

Surprised by some of these credit myths? We bet you’ll also be surprised by how much you qualify for and the great terms Tara Mortgage Services offer (even with less than perfect credit). Contact Tara Mortgage Services today!

 

Connect with over 460 Real Estate Investors! Join Alex Deacon’s MeetUp group today!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
463 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

 

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

 

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DHRE Health Corner: Mindfulness Always Matters

DHREA 09/07/2018

age of distractions

 

The legendary American poet known to the world as “Snoop Doggy Dogg” once prophetically said, “I got my mind on my money, and my money on my mind.”

Wise, wise words indeed. But, while your mind is on your money, what are you doing for/with your mindfulness? There is a huge difference, and both should be equally healthy and focused.

So…what is “mindfulness”?

Mindfulness is basically the practice of being consciously aware in the present moment, without judging your experience. It’s about being ‘mindful’ of every detail in the here and now. This helps us reconnect with the simplicity of life, by living in the moment. By achieving this state of awareness, we can enjoy a sense of peace within.

But…why is this important?

Mindfulness gives us a glimpse into the moments that really matter. And, rather than trying to fight or change the way we feel, we can find more peace with non-judgemental acceptance. It’s human nature to try and change things. Quite often, we’re a slave to the emotions, distractions, and the internal dialogue within us. Thus, we’re not really free.

We’ve partnered with John Parrot over at RelaxLikeABoss.com to bring you a fantastic blog John has written. It’s well researched, written, and filled with great information. Being mindful can enhance every aspect of your life, and John delivers great practices and exercises to help strengthen this trait.

His blog, along with a myriad of other great topics, can be found…HERE!

 

 

Alex Deacon’s Real Estate Networking Workshop group is growing and growing! Join today and network with over 450 real estate professionals!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
463 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

 

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

 

 

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Inexpensive Kitchen Renovations With Huge Impact!

DHREA 06/07/2018

Fridge

Upgrades to a kitchen can make any house or property feel more cozy or posh (yes, I went there), while greatly improving the value. The biggest misconception is these improvements come with a hefty price tag. With a little hard work and elbow grease, a kitchen can be renovated beautifully without breaking the bank. Check out some popular ideas below!

Paint The Fridge
Oftentimes, the most obvious of solutions go right over our heads. Repainting the refrigerator can modernize any kitchen, pull color-schemes together, and really make your kitchen pop. In fact, most appliances can be repainted. Just make sure to ensure you’re using the correct paint, as you’ll be looking for specialized appliance paint! There’s also a fun factor involved. If you have kids, imagine turning your refrigerator into a giant chalkboard! Find out how HERE!

Refinish Kitchen Cabinets
This means either sanding them down and re-staining them, or just painting them in a semigloss or glossy latex paint. For a bold change, ditch the white and try a pale blue, coral red, or even glossy black for a modern look. All you need is sandpaper, paint, and equal parts elbow grease and patience!

Buy Under Cabinet Lighting
As you can see, lighting can really make or break a kitchen. Consider lighting you can attach under the cabinets. Department stores are now selling inexpensive under cabinet lighting that utilizes wall outlets, and in most places, you can find energy efficient LEDs. Again, a very affordable way to modernize your kitchen.

Add A Kitchen Lamp
For a cost far less than permanent track lighting, add a flea market find. A pop-bright colored table lamp, a hanging kitchen chandelier, etc. You’d be amazed how this simple addition can change the whole look and vibe of the entire room while giving another personal touch to your kitchen.

Replace The Countertop/Sink
Not all countertops are made or cost the same, but there are affordable options if you are willing to put in a little work. It should be noted that replacing a countertop isn’t likely to add value to your house other than pleasing aesthetics, but we all enjoy customization, don’t we? These days, you can find a quality stainless steel or acrylic sink for around $100!

Remember…home renovations are not for everybody! Please use caution and avoid projects you are uncomfortable with!

 

JOIN ALEX DEACON’S REAL ESTATE NETWORKING GROUP ON MEETUP.COM!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
463 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

 

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

 

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#TBT: The Glory Days of The Green Weenie!

DHREA 05/07/2018

GreenWeenie

 

One thing about Pittsburgh will forever be true…we love superstitions. Especially when it comes to our sports teams. The Pirates have never strayed from embracing superstitions, and might lay claim to some of the most fun and interactive superstitions in Pittsburgh sports history. “We Are Family”, anyone? Most recently, fans have grabbed onto the “Power of the Zoltan” and used wrestler Daniel Bryan’s “Yes” chants to whip the crowd into a frenzy. The Buccos and their fans have always latched onto unique ideas, but let’s take a look at one of the most bizarre superstitious talisman the city has ever seen. Today, let’s celebrate the 50th anniversary of The Green Weenie.

Back in 1966, legendary Pirates broadcaster Bob Prince and trainer Danny Whelan indirectly co-created the gimmick after Prince observed Whelan doing something very peculiar…yelling at Houston Astros pitcher Dave Giusti while pointing and waiving a green, rubber hot dog at the right handed pitcher. During the next broadcast, Prince asked Whelan what he was doing, and the gimmick was born. Within weeks, Tri-State Plastics started manufacturing the idea, and “Green Weenies” were seen all over Forbes Field.

If you’ve never seen an original Green Weenie, imagine a hot dog shaped maraca you would waive at an opposing team to place a “hex” on them. Conversely, if you waived said hot dog shaped maraca towards a Pirates player, he would be graced with great success. You can’t make these things up.

Sounds totally insane, right? Here’s some “food” for thought. Even though the Pirates failed to win the pennant in 1966, Roberto Clemente won the National League MVP Award, Matty Alou won the National League batting title, Bill Mazeroski led the league in double plays, and Willie Stargell had his personal best year in batting. Well, hot dog! Maybe there was something to it after all!

In later years, attempts were made to bring back the Pirates’ bizarre good luck charm. However, the gimmick never showed lasting power, which might be for the better. We’re the greatest city in the United States. We’re Pittsburgh, Pennsylvania! Give us Pittsburghers a Pierogi Race over a Green Weenie any day! 😉

 

Don’t miss out on the latest updates from Alex Deacon’s Real Estate Networking Workshops!!!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
461 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

 

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

 

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#TaraMTG Tuesdays: 7 Reasons To Refinance!

DHREA 03/07/2018

(Every Tuesday we feature a blog from one of our fantastic affiliates, Tara Mortgage Services!)

 

Do any of these 7 financial situations sound like you? If they do, then you might be ready to refinance your mortgage!

Top Reasons to Refinance Your Mortgage

1. Your Interest Rate is Higher than Current Mortgage Rates

Interest rates change, and in recent years, have adjusted in your favor! If your mortgage closed more than 5 years ago, the chances are that your rate is higher than current mortgage rates. Refinancing to lower the mortgage interest rate is the top reason that clients contact our office.

2. Looking To Lower Monthly Payment

When you refinance into a new loan, not can you get a lower interest rate but it also adjusts your monthly payments. For example, if your original loan was for 300k with a 30-year term and you’ve paid off 60k since then, your new mortgage will be for only 240k. What’s more, the clock for paying off the loan in 30 years restarts!

3. You Want to Make Home Improvements

A cash-out refi, home equity loan, or HELOC gives you access to the equity of your home. Each of these refinances options are different and one might be better suited for you than the other. Call our office for help deciding which refi is right for you.

4. You’re Nearing Retirement

If you’re approaching retirement age, a refi can lower your monthly payment into one you can afford more comfortably. If you’ve already paid off your loan, consider a reverse mortgage to help supplement your retirement income.

5. You Want a Fixed Rate

An adjustable rate mortgage starts low but eventually changes after a certain number of years, and usually, the rate goes up. Getting into a fixed-rate avoids these drastic changes and locks in a low rate for the life of your loan.

6. You Want to Pay Off Your 30-year Mortgage Sooner

Refinancing your 30-year fixed rate mortgage into a 10-year or 15-year mortgage will help you pay off your home sooner. Interest rates on 15-year loans can be as much as a full percentage point lower than a 30-year loan. This means that more of your payment goes toward the principle plus you also save money on interest!

7. Your Credit Score Has improved Since You Last Closed

Remember that your interest rate is largely dependent on your credit score. If it’s gone up since your closed your loan, that means that you likely qualify for a lower rate today! How low? Apply to find out! Use our free online application and we’ll let you know what rate you qualify for now.

There are many more reasons why people come to see us about refinancing their current loan. Want to find out if refinancing can help you out in your financial situation? Contact Tara Mortgage Services today for a no-obligation refinance consult!

 

Alex Deacon’s Real Estate Investing MeetUp Group is rapidly growing towards 500 members! Join today!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
461 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

 

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

 

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DHRE DIY Corner: Control Pesky Fruit Flies

DHREA 02/07/2018

FruitFlies

Vinegar attracts flies so it is a great way of luring them in and away from the rest of the house. To make a vinegar trap all you need is a some apple cider vinegar or malt vinegar, a glass, a plastic bag and a rubber band.

Pour a small amount (an inch or so) of apple cider vinegar into the glass. The cider vinegar has a nice, fruity aroma that fruit flies simply cannot resist. Using the scissors, snip the corner off the plastic baggie. This should created a hole just large enough for fruit flies to pass through, but not so large that it will be easy for them to escape.

Place the baggie over the glass, and position the hole you’ve cut over the center. Push the snipped corner down into the glass so the baggie forms a funnel in the glass, but doesn’t touch the vinegar. Use the rubber band to secure the baggie to the glass.

Place your vinegar trap in the area where you see the most fruit flies – near your garbage, produce bins, or compost container. If you have a heavy fruit fly infestation, you might want to make several vinegar traps, and place them around your kitchen and in other rooms where fruit flies are present.

Fruit flies will fly into the glass, pass through the hole in the baggie, and become trapped in the glass. Within a few days, you should notice an accumulation of dead fruit flies floating in the vinegar. Empty the trap as needed, and refill it with fresh apple cider vinegar. A few well-placed vinegar traps, along with good housekeeping practices to discourage fruit flies, should get your infestation under control quickly!

 

 

JOIN ALEX DEACON’S REAL ESTATE INVESTING GROUP ON MEETUP!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
461 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

 

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

 

 

 

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