Clements Realty Group



Posted by Clements Realty Group on 2/21/2020

There are a lot of advantages to living in a low-crime neighborhood, such as family safety, peace of mind, and a minimal risk of getting your personal property stolen.

Perhaps the only downside of living in a relatively secure, desirable part of town is that you might let your guard down completely. When that happens, especially on a regular basis, you're creating a vulnerability that could eventually be taken advantage of. That's why is pays to be consistent when it comes to locking doors, teaching your kids good security practices, and always making your home appear as if someone's home.

Your home IS your castle and -- short of building a moat -- there are a variety of practical measures you can take to keep it safe and secure.

  1. Install a burglar alarm or home security system. There are a lot of options for making your home more burglar-proof, such as installing video surveillance cameras, window and door alarms, or a whole-house alarm system that alerts the local police department or alarm monitoring service of a break-in or other security breach. Virtually any security steps you take will help "tip the scales" in your favor, but a professional advisor from a reputable home security company can assist you in identifying potential vulnerabilities and choosing the options best suited for your budget, your degree of risk, and your comfort level.
  2. Plan ahead when going on vacation. Allowing your mail or newspaper deliveries to pile up on your front steps or driveway is like extending an open invitation to burglars who might be scoping out the area. Temporarily suspending your deliveries while you're away is a good starting point for keeping your house looking occupied in your absence, but you might also ask a trusted neighbor to keep an eye out for unexpected deliveries. If you really trust them, you could even give them a key to your house, in case they're inclined to water your plants and take care of your pets! (That would eliminate the need and expense of sending your dogs and cats to a pet-boarding facility.) One tactic that a lot of homeowners forget about when they're going away for a few days (or even just overnight) is to hook up an automatic timer to a few of their lights. That simple step will help ensure that their house isn't pitch black at night. There's also the more expensive strategy of having a home security system that can be activated and monitored from your mobile device. Do-it-yourself installation kits are available, but some homeowners prefer the technical support features that come with a professional home security service.
  3. Outside lights can be a deterrent. A few motion-activated outdoor floodlights placed in strategic locations around your home can significantly reduce the risk of night-time prowlers staying on your property for very long. Since one of their primary objectives is to remain undetected and low profile, bright spotlights that turn on when they approach the house will often be enough to send them on their way.
Other home security strategies may include changing all the door locks when you first move into a home, adopting a good watch dog to help scare away potential intruders, and keeping bushes and trees pruned so they don't provide convenient hiding places for would-be burglars.





Posted by Clements Realty Group on 2/18/2020


72 Barstow St, Salem, MA 01970

Rental

$1,700
Price

5
Rooms
2
Beds
1
Baths
Recently renovated second floor of two family in great north Salem neighborhood. Recently refinished hardwood floors throughout. Brand new kitchen and renovated bathroom in 2018. Plenty of closet and storage space. Gas heat/hot water and electricity paid by tenant. Off street parking, shared yard, and washer dryer hook up in basement all included. First month, last month, and half month broker fee required.
Open House
No scheduled Open Houses

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Tags: Salem   Real Estate   01970   Rental  
Categories: Price Change  


Posted by Clements Realty Group on 2/18/2020


7 Sewall St, Marblehead, MA 01945

Rental

$1,500
Price

4
Rooms
2
Beds
1
Baths
Available early January. Second floor deleaded 4room / 2bedroom apartment. Hardwood floors in living room and two bedrooms, tile in kitchen and bath. Kitchen features dishwasher, electric range and laundry nook for your washer dryer hook up, tenant must supply their own washer and dryer. Gas heat and hot water paid by tenant. No smoking. Listing agent provides application and requires $20 app fee per adult. First, half security, and half fee to Listing Office required. co-operating agent must seek separate fee from tenant.
Open House
No scheduled Open Houses

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Tags: Real Estate   Rental   Marblehead   01945  
Categories: Price Change  


Posted by Clements Realty Group on 2/15/2020


7 Sewall St, Marblehead, MA 01945

Rental

$1,700
Price

4
Rooms
2
Beds
1
Baths
Available early January. Second floor deleaded 4room / 2bedroom apartment. Hardwood floors in living room and two bedrooms, tile in kitchen and bath. Kitchen features dishwasher, electric range and laundry nook for your washer dryer hook up, tenant must supply their own washer and dryer. Gas heat and hot water paid by tenant. No smoking. Listing agent provides application and requires $20 app fee per adult. First, half security, and half fee to Listing Office required. co-operating agent must seek separate fee from tenant.
Open House
No scheduled Open Houses

Similar Properties





Tags: Real Estate   Rental   Marblehead   01945  
Categories: New Homes  


Posted by Clements Realty Group on 2/14/2020

Personal financial in your twenties comes with a steep learning curve. One minute youíre studying for your finals and the next youíre expected to suddenly know about APR financing, 401(K)s, and fixed-rate mortgages.

If youíre in your twenties and are facing these new challenges, youíre probably equal parts terrified and excited for the future. And, although it can be anxiety-inducing to step into the world of personal finance, you have one tool to your advantage that your parents and grandparents didnít have: the internet.

So, in this article, weíre going to give you some tips about buying a home and managing your finances in your twenties.

Have an emergency fund

You probably have a lot of things you want to save for. Down payments on mortgages and auto loans, saving money for traveling, beginning your retirement funds, and maybe even starting a family; theyíre all important investments that will take time and financial planning to achieve.

However, one thing that many young people neglect when they first start saving is an emergency fund. There are any number of things that can throw a wrench in your plans in your twenties. You might lose a job and have to live off of savings while hunting for a new one. Maybe something goes wrong with your car and it costs hundreds to repair. Or, you could have unforeseen medical expenses that arenít covered by your insurance. Regardless of the reason, having an emergency fund will help you stay out of unnecessary debt.

Itís recommended to have at least 6 months of living expenses saved in your emergency fund. Once you have this amount saved, itís a good idea to keep it in a separate account to avoid spending it on things that arenít exactly an emergency.

Donít live above your means

We all know that buying a house, going to college, and even buying groceries are all exponentially more expensive than they used to be. However, itís still important to try to adjust your lifestyle to the things you can afford.

This includes the vehicle you drive, the first home you buy, and even smaller purchases you make.

Avoiding lifestyle creep

Related to our last point about living above your means, lifestyle creep is the phenomenon that occurs when you get a raise or a higher paying job: the more we make, the more we spend. However, itís possible to avoid this trend by keeping your finances in check.

The next time you get a raise, make sure that money is put to use in either your retirement fund or savings account. This method is based on the goal of ďgiving every dollar a job.Ē When every dollar you earn has a purpose, youíre less likely to spend it on new video game consoles every six months.







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