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Welcome to Capricorn Season! This time of year is known for putting in hard work, achieving and making plans for the up coming year.

Capricorn's most well-known traits are ambition, persistence, practicality and discipline. Let’s use this energy to kick off 2023 with a clean slate ready for achievement! A great way to set the stage is to spruce up your Home Office space. Keep reading for a list of decor tips to set you up for success.

1. Invest in a Great Chair

The chair you sit in all day can have the biggest impact on your productivity. Choosing something ergonomic or at least comfy will help motivate you to stay in the zone. Don’t be afraid to poach your chair of choice from another room in your house if you need to!

2. Paint the Walls a Color you Love

Forget "office beige": You need a color that gets your work motor humming. For some people, that's a bright, cheery color like orange or lime green. Others need a calming shade like botanical green or sea foam blue to perform.

3. Add Some Plants

According to a global study, workspaces that incorporate natural elements have a 15% higher well-being score and a 6% higher productivity than offices that don't include natural elements. Adding greenery to your workspace helps restore our attention and focus. It also brightens things up!

4. Set the Mood with Scents

Did you know that certain scents can positively affect the outcome of your work day? Peppermint and eucalyptus can increase concentration, citrus scents can increase energy, lavender can decrease stress, and more. Burn your favorite candle, spray some air freshener, or diffuse an essential oil to set the mood in your workspace each day.

5. Let there be Light

Good lighting is important for both your productivity and your mental health. Don’t be afraid to move some lamps around in your house to prioritize good lighting in your work space or office, or to turn your desk to face a window to allow natural light to reach you throughout the day. The key to good lighting is layering — a mix of natural light, a warm light source that illuminates the whole room, and a light that directly illuminates your desk.

6. Music

Don’t play your music out of your smartphone or laptop speakers — If you have a smart speaker or stereo system, move it into your office! It’ll upgrade the way you listen to your work playlist and help set a productive tone for your day.

7. Clean Up & Organize

Hang floating shelves on the walls to get papers and office equipment off the desk, and use vertical file folders on the desk to keep important papers within arm's reach. Are you a stacker or a filer? If you tend to make piles, get a nice basket to tame your mail, notes and papers. If you prefer a clean desktop, designate one drawer for your "to-do" papers. Wooden or metal cube storage is a fun alternative to bookshelves, since each space can be used for books, knickknacks or baskets of odds-and-ends. A trendy file cabinet and bins can also do the trick!

8. Access to Outlets

One of the office luxuries we often take for granted is access to plentiful outlets. If your home office is lacking outlets, steal a power strip from behind your living room couch or order one online. No need to stress yourself out with a dying laptop during a video call.

credit:

https://www.royalbuildingproducts.com

https://www.hgtv.com

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Welcome to Sagittarius Season! This time of the year is known for being the most optimistic, imbued with a sense of adventure. This shift of energy (away from intense Scorpio) will have us ready to take on the world!

One way to bring that sense of adventure into our home is by infusing your travels into your home decor. The need for adventure is something that is present in every day life, especially from November 22 - December 21, during Sagittarius season. For this reason, the best way for a traveler to feel good at home is to be surrounded by the things that remind them of the places they have been or that inspire upcoming trips!

1. Use Photo Prints in your Decoration

Polaroids are back! Photo prints are a great way to bring the special moments and atmosphere of your travels into your home decor. Photo prints are nostalgic yet modern in their reinvention, so it won’t look out of place if you put some around your home. It’s a great excuse to take pictures as happy reminders instead of letting them pile up on your phone. It will make you smile each time you see them while encouraging you to go and make new memories.

2. Choose Travel Themed Artwork

The famous interior designer Nate Berkus said, “Your home should tell the story of who you are, and be a collection of what you love.” We love this quote and couldn’t agree more! If you define yourself as a traveler, let it shine through your home. Not just as a way to show who you are, but also as a way for you to feel more comfortable and inspired in your own home.

And don’t stop there – inspirational quotes related to travel, globes, maps, travel guides – everything that conjures the feeling of going on a new adventure is a great decoration option that will fuel your passion to pursue those dreams.

3. Suitcases are Always a Great Option

We can’t talk about travel-related items without talking about suitcases. Apart from their primary function, suitcases can be great decoration items, especially antique-looking ones. A retro suitcase will add a cinematic and romantic touch to your decor. Not to mention it obviously doubles as functional storage space!

4. Get Graphic with City Maps

Have you ever noticed the design of city maps? They’re artistic, have famous city icons, as well as great logos and typography. Instead of discarding them, why not save them, frame them and make a wall gallery out of them? They’re not only unique home décor, but they also act as special mementos of places you’ve visited.

5. Collect Travel Books

Travel books will transport you back to your favorite destinations or give you the gumption to plan that next adventure. Great travel books have amazing photos so that you recall these places at their best. We all know art books are often used as coffee table books and to adorn our bookshelves, so make it your personal preference and collect travel books.

6. Homewares from Abroad

Collecting artisan goods when you’re traveling is a particular joy that travelers relish. From hand-crafted ceramics, to cushion covers, these goods can become some of your most special and prized possessions. This is because they’re more than just material things, they hold the memories and stories of the day were bought on that trip.

7. Keep Some Postcards for You

There has always been a romantic vibe to postcards. They are reminiscent of another time, but to this day they are ubiquitous, light, and a cheap souvenir you can collect while traveling. Once you’re home, simply string up a postcard collection up with some twine and wooden pegs as a simple way to fill your house with travel mementos!

We believe there is a romantic vibe to postcards. They are indeed reminiscent of another time but to this day they are ubiquitous, light, and a cheap souvenir you can collect while traveling. Once you’re home, simply string up a postcard collection up with some twine and wooden pegs as a simple way to fill your house with travel mementos!

When visiting a place, look for the postcards with the most beautiful images or even those with retro-inspired designs to complement your home décor.

via: www.amaliahomecollection.com

32:T141e,

The housing market is going through a transition. Higher mortgage rates are causing more moderate buyer activity at the same time the supply of homes for sale is growing.

And if you aren’t working with an agent, you may not realize that. Here’s the downside. If you’re not informed, you can’t adjust your strategy or expectations to today’s market. And that can lead to a number of costly mistakes.

Here’s a look at some of the most common ones – and how an agent will help you avoid them when you sell.

1. Overpricing Your House

Many sellers set their asking price too high and that’s why there’s an uptick in homes with price reductions today. An unrealistic price will deter potential buyers, cause an appraisal issue, or lead to your house sitting on the market longer. An article from the National Association of Realtors (NAR) explains:

“Some sellers are pricing their homes higher than ever just because they can, but this may drive away serious buyers and result in unapproved appraisals . . .”

To avoid falling into this trap, partner with a pro. An agent uses recent sales of similar homes, the condition of your house, local market trends, and so much more to find the price that’ll attract more buyers and open the door for multiple offers and a faster sale.

2. Skipping the Small Stuff

You may try to skip important repairs, thinking you can pass the task on to your buyer. But visible issues (even if they’re small) can turn off potential buyers and result in lower offers or demands for concessions. As Money Talks News says:

“Home shoppers like to turn on lights, flush toilets and run the water. If these basic things don’t work, they may assume you’ve skipped other maintenance. Homes that appear neglected aren’t likely to fetch top price.”

If you want to get your house ready to sell, the best place to turn to for advice is your agent. They’ll be able to do a walk-through with you and point out anything you’ll need to tackle before the photographer comes in.

3. Not Looking at Things Objectively

Buyers today are feeling the pinch of high home prices and mortgage rates. With affordability that tight, they may come in with an offer that’s lower than you’d want to see – especially if you didn’t stage, price, or market the house well.

It’s important you don’t take this personally. Getting overly emotional can put the sale at risk. As an article from Ramsey Solutions says:

“Remember, a buyer’s offer is not a reflection of their opinion of your home or your housekeeping abilities. . . The sale of your home is strictly a business transaction. If they start out with a low offer, don’t take it personally and get emotional. Instead, channel that energy toward negotiating. Work with your agent and make a counteroffer.”

4. Being Unwilling To Negotiate

The supply of homes for sale has grown. That means buyers have more options, and with that comes more negotiation power. As a seller, you may see more buyers getting an inspection, requesting repairs, or asking for help with closing costs today. You need to be prepared to have those conversations. As U.S. News Real Estate explains:

“If you’ve received an offer for your house that isn’t quite what you’d hoped it would be, expect to negotiate . . . the only way to come to a successful deal is to make sure the buyer also feels like he or she benefits . . . consider offering to cover some of the buyer’s closing costs or agree to a credit for a minor repair the inspector found.”

An agent will walk you through what levers you may want to pull based on your own goals, budget, and timeframe.

5. Not Using a Real Estate Agent

Notice anything? For each of these mistakes, partnering with an agent helps prevent them from happening in the first place. That makes trying to sell your house without an agent’s help the biggest mistake of all.

Real estate agents have experience and expertise in pricing, marketing, negotiating, and more. That knowledge streamlines the selling process and usually results in drumming up more interest and ultimately can get you a higher final price.

Bottom Line

To avoid these mistakes, work with a real estate agent who will guide you every step of the way.

33:Tfba,

Cleansing Your Home With Sage

Congratulations! Now that you’ve recently purchased a home or just moved into your new rental, you might be wondering “How do I cleanse my new space from old energies and bring harmony into my life?” Look no further! I will explain the easiest way to quickly refresh the energies inside your home, specifically using Sage.

Sage has been known to have powerful antimicrobial and antibacterial qualities. It can also improve mood as well as cognition and can even serve as an insect repellent. On a spiritual level, burning sage wards off negativity and toxicity. It clears the slate for more positivity to enter your space.

Steps for Cleansing Your New Home with Sage-

Prepare Your Materials – It is best to create a sense of ceremony when cleansing a new home. Gather your materials – sage, something to light it with, and a heat-proof burning surface like an Abalone Shell or a pan.

Open All Doors and Windows – Before you light your sage, open all doors and windows so the unwanted energy you’re trying to clear has somewhere to go. This is also to keep the smoke from settling in your home.

Light Your Sage – When you’re ready to light your sage, hold your smudge stick at approximately a 45-degree angle. Light your sage, allowing it to burn for about 30 seconds before gently blowing out the flame so it smolders.

Bless Yourself First – This step is key in order to cleanse the home properly. Your aura will need to be cleansed and balanced before doing any kind of spiritual work. Once your smudge stick is smoldering, direct the smoke waves around your body, beginning with your head and working down towards your feet. Breathe deeply while doing this, focusing on cleansing your body of negative energy.

Bless Your Home – You are now ready to begin cleansing your new home. Begin at your front door and move clockwise around your house. Gently wave your smoking smudge stick in the air, focusing additional time on corners. Take care to smudge the interior of your closets and often forgotten spaces like garages and laundry rooms. You want to get smoke into every corner of your house. As you sage, you may wish to say a blessing such as, “I clear away any and all negative and low vibrational energies inside my home. I call in love, happiness and abundance. May this home continue to be filled with beautiful memories and joyful experiences."

Gently Extinguish Your Sage – Returning to where you began and gently put out your smudge stick, either by letting it smolder out or by applying pressure to the tip. Give thanks and gratitude for the gift of your new home and the blessings in your life.

I am dedicated to helping my clients find the home of their dreams while encompassing all that is holistic during their journey. Let me know how I can help you! If you'd like to set up a more thorough space cleansing/blessing I invite you to e-mail me at denizsellsflorida@gmail.com or fill out the Contact Form on this page.

Deniz Kilic

Holistic Realtor | Astrologer | Space Clearings | House Blessings

40 SW 13TH ST., STE 101, Miami, FL 33130

Direct: (917) 703-7777

denizsellsflorida@gmail.com

www.denizsellsflorida.com

34:T171a,

While the Federal Reserve is working hard to lower inflation, the August data shows the inflation rate was still higher than expected. This news impacted the stock market and fueled conversations about a recession. It also played a role in the Federal Reserve’s decision to raise the Federal Funds Rate last week. As Bankrate says:

“. . . the Fed has raised rates again, announcing yet another three-quarter-point hike on September 21 . . . The hikes are designed to cool an economy that has been on fire. . .”

While their actions don’t directly dictate what happens with mortgage rates, their decisions have contributed to the intentional cooldown in the housing market. A recent article from Fortune explains:

“As the Federal Reserve moved into inflation-fighting mode, financial markets quickly put upward pressure on mortgage rates. Those elevated mortgage rates . . . coupled with sky-high home prices, threw cold water onto the housing boom.”

The Impact on Rising Mortgage Rates

Over the past few months, mortgage rates have fluctuated in light of growing economic pressures. Most recently, the average 30-year fixed mortgage rate according to Freddie Mac ticked above 6% for the first time in well over a decade (see graph below):

The mortgage rate increases this year are the big reason buyer demand has pulled back in recent months. Basically, as rates (and home prices) rose, so did the cost of buying a home. That pushed on affordability and priced some buyers out of the market, so home sales slowed and the inventory of homes for sale grew as a result.

Increasing interest rates in South Florida are showing a trend in market correction. With a correction, comes more seller concessions, which is positive for home buyers. The days of waiving appraisal and loan contingencies may be a distant memory, as we move into the fourth quarter of this year and into 2023.

Where Experts Say Rates and Inflation Will Go from Here

Moving forward, both of these factors will continue to impact the housing market. A recent article from CNET puts the relationship between inflation and mortgage rates in simple terms:

“As a general rule, when inflation is low, mortgage rates tend to be lower. When inflation is high, rates tend to be higher.”

Sam Khater, Chief Economist at Freddie Mac, has this to say about where rates may go from here:

“Mortgage rates remained volatile due to the tug of war between inflationary pressures and a clear slowdown in economic growth. The high uncertainty surrounding inflation and other factors will likely cause rates to remain variable, . . .”

While there’s no way to say with certainty where mortgage rates will go from here, there is something you can do to stay informed, and that’s connect with a trusted Real Estate Advisor. They keep their pulse on what’s happening today and help you understand what the experts are projecting. They can provide you with the best advice possible.

Now, more than ever, working with an experienced Real Estate Agent that understands the changing market will be the deciding factor if your house will get the highest potential offer and sale.

35:T10ba,

The talk of a housing bubble in the coming year seems to be at a fever pitch as rising mortgage rates continue to slow down an overheated real estate market. Over the past two years, home prices have appreciated at an unsustainable pace causing many to ask: are things just slowing down, or is a crash coming?

To answer this question, there are two things we want to understand. The first is the reality of the shift in today’s housing market. And the second is what experts are saying about home prices in the coming year.

The Reality of the Shift in Today’s Housing Market

The reality is we’re seeing an inflection point in housing supply and demand. According to realtor.com, active listings have increased more than 26% over last year, while showings from the latest ShowingTime Showing Index have decreased almost 17% from last year (see graph below). This is an inflection point for housing because, over the past two years, we’ve seen a massive amount of demand (showings) and not enough homes available for sale for the number of people that wanted to buy. That caused the market frenzy.

Today, supply and demand look very different, and the market is slowing down from the pace we’ve seen. This offers proof of the sudden slowdown so many people are feeling.

What Experts Are Saying About Home Prices in the Coming Year

Right now, most experts are forecasting home price appreciation in 2023, but at a much slower pace than the last two years. The average of the six forecasters below is for national home prices to appreciate by 2.5% in the coming year. Only one of the six is calling for home price depreciation.

When we look at the shift taking place along with what experts are saying, we can conclude the national real estate market is slowing down but is not a bubble getting ready to burst. This isn’t to say that a few overheated markets won’t experience home price depreciation, but there isn’t a case to be made for a national housing bubble.

Bottom Line

The real estate market is slowing down, and that’s causing many to fear we’re in a housing bubble. What we’ve experienced in the housing market over the past two years were historic levels of demand and constrained supply. That led to homes going up in value at a record pace. While some overheated markets may experience price depreciation in the short term, according to experts, the national real estate market will appreciate in the coming year.

via: keepingcurrentmatters.com

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