Nation’s Housing: Congress leaves many short sales in limbo

Congress may yet retroactively extend the debt forgiveness law this summer or in a post-election lame duck session. Or even next spring. Tax analysts and lobbyists say that there is strong support for renewing mortgage forgiveness relief, and that the odds are better than even that it will happen.

Then again, with a fractious Congress, there’s just no guarantee.

For complete article, visit  http://www.washingtonpost.com/realestate/homeowners-planning-short-sales-confront-a-rift-in-congress-with-major-tax-consequences/2014/06/05/731928fa-ea8a-11e3-b98c-72cef4a00499_story.html

 

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25 Uses for Epsom Salts

Magnesium Sulfate, aka Epsom Salt, is one of the worlds hidden wonders! It gets it’s name from the place it was discovered, Epsom England, a small borough in Surrey, where the salt was produced from the springs that bubble up and meet non-porous London clay.

“Epsom salt is made up of magnesium and sulfate, which can help improve health in numerous ways. A lack of magnesium—which helps regulate the activity of more than 300 enzymes in the body—can contribute to high blood pressure, hyperactivity, heart problems and other health issues, doctors warn. Sulfate is essential for many biological processes, helping to flush toxins and helping form proteins in joints, brain tissue and mucin proteins.” Epsom Salt Council

Think its just for bath salts and in-grown toe nails – think again! This little sprinkle of natural goodness is as versatile as MacGyver.

Epsom Salt can be found at your local grocery store, pharmacy and even your garden supply store. It has a wide array of uses, and although each may be manufactured differently they are all the same chemically. Usually a two and a half pound container will run you $3 more or less.

For the Garden

1. Get Rid of Raccoon’s –   If the masked marauders are poking around your trash can, take a few tablespoons of Epsom salt and spread it around the cans. It will deter that pesky raccoon; they don’t like the smell of the stuff. Remember to reapply after it rains.

2. Deter Slugs   Sprinkle Epsom salt where they glide and say good bye!

3. Make your grass greener – Epsom salt, which adds needed magnesium and iron to your soil, may be the answer to your green lawn. Add 2 tablespoons to 1 gallon to water. Spread on your lawn with a garden sprayer and make sure it soaks into the grass.

4. Bigger, better, and more produce – Studies have shown Epsom salt increases production of peppers, tomatoes and blooms. 1 T per a gallon of water sprayed on your plants every 1-2 weeks can create show stoppers.

5. Soil prep – 1 cup per 100 feet will help create the perfect gardening mix for this summers bounty. Use a fertilizer spreader and mix into soil.

For the Home

6. Clean bathroom tiles – Epsom salt will get rid of that grungy look. Mix it in equal parts with liquid dish soap, then dab it onto the offending areas and start scrubbing. Epsom salts work with the detergent to scrub and dissolve the grime.

7. Remove burnt food from pots and pans – Scrub pan with about 1/4 tablespoon of Epsom salt and some warm water and rinse. Viola!

8. Regenerate a car battery – Give your battery a little more life with this potion – Dissolve an ounce of Epsom salt in warm water to make a paste and add it to each battery cell.

9. Frost your windows for Christmas – Mix 1 1/2 cups boiling water with 1 cup Epsom salt and 3 Tablespoons of liquid dish soap. Apply the mixture to your windows with a sponge – for a realistic look, sweep the sponge in a arc at the bottom corners. When the mixture dries, the windows will look frosted.

10. Do some awesome winter crafting thanks to Epsom salt and modge podge.

Personal Uses

11. Face cleaner – To clean your face at night, mix a half teaspoon of Epsom salt with your regular cleansing cream. Just massage into skin and rinse with cold water

12. Homemade skin mask – Puree 1 Egg white, 1/2 Teaspoon Pantothenic acid powder (Vitamin B-5),  1  Teaspoon Aloe Vera gel, 1  Teaspoon Epsom salt, 1 Ripe Tomato, chopped, and 2 drops Thyme oil. Apply to face for 15 minutes then rinse off. This is especially good for acne problems.

13. Foot Soak – Sooth aches, remove odors and soften rough skin with a foot soak. Add 1/2 cup of Epsom salt to a large pan of warm water. Soak feet for as long as the water is warm. Rinse and dry. Also helps with toe nail fungus, like athlete’s foot.

14. Skin exfoliate – Massage handfuls of Epsom salt over your wet skin, starting with your feet and continuing up towards the face. Have a bath to rinse.

15. Remove excess oil from hair – Epsom salt soaks up excess oil from your hair. Add 9 tablespoons of Epsom salt to 1/2 cup of oily hair shampoo. Apply one tablespoon of the liquid to your hair when dry; rinse with cold water. Pour lemon juice or organic apple cider vinegar through the hair, leave on for 5-10 minutes, then rinse.

16. Hair volumizer – Combine equal parts of deep conditioner and Epsom salt. Warm in a pan. Work the warm mixture through your hair and leave on for 20 minutes. Rinse.

17. Soak sprains and bruises – Epsom salt will reduce the swelling of sprains and bruises. Add 2 cups of Epsom salt to a warm bath and soak.

18. Splinter remover – Soak in Epsom salt, it will draw out the splinter.

19. Get rid of blackheads – Here’s a surefire way to dislodge blackheads – Mix 1 teaspoon of Epsom salt and 3 drops liquid iodine in 1/2 cup boiling water. When the mixture cools enough to stick your finger in it, apply it to the blackhead with a cotton ball. Repeat this three to four times, reheating the solution of necessary. Gently remove the blackhead and then dab the area with an alcohol based astringent.

20. General stress relief – Nothing draws out stress like bath salts. As the magnesium soaks into your body it reverses the effects of stress on your body, replenishing magnesium levels, decreasing adrenaline, and producing serotonin. Make your own bath salts by mixing 16 ounces all-natural bath salt and 15-30 drops of essential oil (especially those that induce relaxation). Store in a glass jar and use 3 times a week for maximum results!

21. Relieve gout pain and inflammation – 2-3 teaspoons of Epsom salts into a basin of hot water (as hot as you can stand). Soak for about 30 minutes

22. The new aloe vera – Use on mosquito bites, bee stings, mild sunburn and poison ivy by soaking a cotton washcloth in a cold water Epsom salt solution (2 tablespoons per cup) for the affected area.

23. Eye health -Rinse your face with a solution of Epsom salt and warm water can help heal cataracts, conjunctivitis, and sties.

24. Detox (aka laxative) – Mix approximately 2 tsp. of Epsom salts in 1 cup of warm water until it dissolves, then drink. Do not repeat this cleanse  more than once per day, and always drink extra water!

25. Grow more – Add 1/4 cup Epsom salts (magnesium sulfate) to 1/2 cup boiling water stir until it dissolves. Pour over sponge in shallow dish and place in a warm sunny spot. As the water evaporates your crystals will grow. Just be sure to check crystals against the original before “harvesting.”

26. BONUS – Take a detox bath with this herbal remedy.

Source: http://preparednessmama.com/25-uses-for-epsom-salts/

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Call the Stovall Team today to help execute your Real Estate Goals.

We can be reached at 714.343.9294 714.393.5377  or visit our website at stovallteam.com

 

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Home Price Index Report

Most homeowners across the nation have been enjoying an upswing in their home values, and home-sale prices are expected to continue rising for at least the next several months, according to CoreLogic’s latest Home Price Index Report.

The report, which analyzed data through February 2014, showed home prices– including distressed sales-were an average of 12.2% higher compared to the same time last year.

Home prices showed the highest annual appreciation gains in these five states:

  • California-19.8%
  • Nevada-18.5%
  • Georgia-14.2%
  • Oregon-13.8%
  • Michigan-13.5%

This report predicted home prices, when including     distressed properties, would see a rise of 10.5% from March 2013 to March 2014. When excluding distressed properties, prices are expected to rise 9.3%. CoreLogic expects home prices will continue to rise over the next several months, leveling off by year’s end. Home prices have increased year-over-year for 24 consecutive months, although through February they were still 16.9% below the peak levels reached in April 2006, according to CoreLogic. Realtor.com’s National Housing Trend Report for February 2014 showed home sellers’ growing confidence in the market as the number of homes for sale increased….

“Although prices should remain strong in the near term due to a short supply of home on the market, price increases should moderate over the next year as home equity releases pent-up supply.” Mark Fleming, chief economist for CoreLogic, said in a statement.

Homeowners who struggled to build equity in their homes during the recession may be able to breathe a sigh of   relief now as the market continues to stabilize and buyers and sellers gain confidence.

Homeowners looking to sell their homes have adequate time to prepare their home, contact the Stovall Team today and start the selling process. The CoreLogic report anticipates month-to-month price growth nationwide until at least the end of the year.

Sources: Micah Stovall -Stovall Team, CoreLogic’s Home Price Index Report, and Realtor.com

 

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What Do You Want in A Neighborhood?

Fountain Valley Real Estate, Micah Stovall, Steve Stovall, Stovall Team Real Estate, What do you want in a Neighborhood?, Orange County Real Estate

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Home Insurance with a Skateramp, Pool, Trampoline

Enjoying Southern California Weather is easy all year long!

Fortunately, we can enjoy our outdoors well and often. It’s not uncommon for our homes to have pools and slides, jungle gyms and swing sets, skate ramps and trampolines, all getting plenty of use throughout the year. We certainly get our monies worth out of them! But, do you ever stop to consider the great deal of financial exposure behind these fun recreations? They are risks meant to be taken. Never the less, we need to protect ourselves from their potential exposures. It is important to be aware that you could be held liable for an accident or mishap on your property such as a slip and fall, an injury on a jungle gym or in a pool, your dog getting a little unfriendly with someone, and so on. Fortunately, there are easy and affordable ways of accomplishing this financial protection.

The easiest and most obvious example is your  homeowners insurance policy. Most homeowners policy products automatically include a liability insurance endorsement, which protects your financial security. Your homeowners insurance includes a limit on this coverage, usually $300,000 per incident.

At a glance, you might be comfortable with that limit, however, a lot of expense can go into a liability claim, all of which accumulate  towards that limit including attorney fees, medical expenses,  punitive damages, and settlements. If your limits don’t cover the claim, your assets and equities  may be liquefied, and wages  garnished from your own pocket. As an advocate for peace of mind, you may want to consider raising your limit to $1,000,000 or more, depending on your net worth and wages, which can cost as little as $250 per year. Now, that’s some easy relief to relax with this summer!

Source: Jennifer Stanford, Stanford Insurance Agency. Ca license #E334471072

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