Annemarie Torcivia - RE/MAX  Trinity



Posted by Annemarie Torcivia on 10/9/2017

When you drive through a new housing development does it seem like all of the homes are enormous compared to when you were growing up? You're not alone. In fact, over the last 40 years, average home sizes have increased by over 1,000 square feet. In other words, you could fit an entire small house inside of the amount homes have grown in size.

Why do Americans love huge houses?

It's counter-intuitive that home sizes should keep growing larger. Bigger houses mean higher prices, more maintenance, and more expensive utilities. To understand why, we need look no further than the automobile industry. In spite of the fact that larger vehicles cost more to buy, use more gas, and do more harm to the environment, people still buy bigger and bigger trucks and SUVs. There are a few reasons why. One is that they can afford to (or they can at least afford the payments). Another reason is cultural. For the most part, bigger meant better in American culture--until recently. Recently, many Americans have begun saying they would prefer smaller sized houses. That desire hasn't entirely caught up to the people building the homes, however. And even as simple living trends and the "tiny house" phenomenon gain traction, building contractors still stand the most to gain from large houses and the people with the money to build houses continue to build big to stay aligned with the other homes in their neighborhood. There are other obstacles in place for people who want a smaller house. Some counties around the U.S. now enforce minimum square footage requirements to uphold the building standards of the area. So, people hoping to move to a particular suburban area but don't want a huge house might be out of luck.

How big of a home do I need?

There are a lot of things to consider if you're buying a home. Size and cost often go hand-in-hand, but even if you can afford a larger home, do you really need the space? Here are some questions to ask yourself to determine how large of a house you really need:
  • Do I or will I have a family? Kids need space. They need bedrooms and places to play. The size of your family is going to be a huge factor in choosing the size of your home.
  • Do I need all this stuff? Many people use their homes like storage containers. Think about the last time you moved and what you brought with you. Now determine how often you used the things you brought. Odds are you have a lot of items just sitting around taking up space that you don't really need.
  • Do I have hobbies that take up a lot of space? Woodworking, working on cars, playing drums... these are all examples of hobbies that call for some leg room.
  • Am I a dog person? Just like kids, pets tend to take up some room. Larger dogs and energetic dogs require more room, both outside and inside the house.
  • Do I have time to keep up with the maintenance? Bigger houses means more windows to clean, more toilets to scrub, more grass to mow... you get the idea. You might find that you'd rather have a beautiful and well-kept small home than a hard-to-maintain huge one.





Posted by Annemarie Torcivia on 5/1/2017

Buying a home is one of the biggest decisions you will make in your life, financially and otherwise. When you buy a home you're deciding on the region you want to live in, where you might want to raise children, and the people you'll live around for likely many years. You're also signing up for all of the responsibilities that come with a home: utility bills, issues and repairs, cleaning the house, maintaining the yard... the list goes on. So, before plunging into a mortgage, check off all the items on this checklist to determine if you're ready for home ownership.

The First Time Home Buyer's Checklist:

  1. I know where I want to live. Determining the location of your home is one of the most important factors that goes into home buying. Most decisions are influenced by your job/career, but things like family, friends and weather are all important things to consider. Aside from knowing where you want to live, you'll also need to know how long you want to stay. As a general rule, if you don't plan on staying in your home for at least 5-8 years it could be cheaper and easier to rent until you find somewhere you'd like to settle in.
  2. I have my finances under control. You don't need to be wealthy to buy a home, but you do need to have a strong understanding of your personal finances. In a spreadsheet, write down your total savings, monthly income and monthly expenses (including groceries, transportation, bills, and loans). Find out what type of mortgage and downpayment you can afford at your income level.
  3. My income is dependable. When you apply for a home loan the bank will look into this for you. But you should also want to make sure you can continue to afford your mortgage payments. How dependable is your job? Are there a lot of job opportunities in your field and in your area? These are all questions that help you determine the stability of your income.
  4. I have a good credit score. Your credit will be a big factor in getting approved for a home loan. Building credit seems complicated but it's based on four main things: paying bills on time, keeping balances relatively low, having a long record of repayment, and not opening several new cards or taking on multiple loans in a short period of time.
  5. I'm pre-approved for a loan. Getting pre-approved isn't mandatory, but it offers many benefits. First, it shows lenders that you are a safe person to loan money to. Second, it will give you insight into what banks think of your finances and will give you an idea of what price range you can safely buy in.
  6. I'm prepared for the responsibilities of owning a home and willing to learn. If you're handy around the house and can fix anything, that's great. What's more important, however, is that you have the time and willingness to learn new skills that will help you become a good homeowner.





Posted by Annemarie Torcivia on 4/10/2017

If you're anything like me, your household pet is like a member of the family. Most of us have a soft spot for our pets. When they're hurt we feel their pain. When they're sick we get worried sick about what might be wrong. A difficult part of owning a pet is that since we can't verbally communicate (aside from some commands and accolades) we aren't able to always read how they're feeling. Fortunately, much work has been done when it comes to understanding the nonverbal languages that our animal companions speak. Reading body language and understand your dog's bark and cat's meow can help you be a better pet owner and a better companion to your dog or cat. In this article, we'll let you in on some little known facts about what the body language of your pet means.

Do you speak dog?

Our canine companions tend to let us know how they're feeling. When they're scared they lower their tail and cower. When they're happy they attach us while licks. However, there are many misconceptions about the body language of dogs. Here are some important ones every dog owner should know:
  • Yawning. As humans, we yawn when we're tired. Dogs also share this trait. But if you own one you've probably noticed them yawning much more frequently than we do. This is because they also yawn when they're unsure of a situation, if they're around someone new, and if they're trying to diffuse tension.
  • Whale eye. This is phenomenon occurs when your dog tilts her head and stares out of the corner of her eye, exposing the whites of her eyes. This can be mistaken for a "cute puppy" look, but it normally means they are afraid.
  • Face-licking. As humans we tend to see face-licking as a sign of affection. In dogs, however, it is more likely a friendly sign of appeasement. It is usually seen in puppies and if it carries on into adulthood it can be problematic if your dog frequently licks other dogs' faces who might not appreciate the gesture.
  • Tail position. Horizontal can mean the dog is alert. Facing upwards can mean dominance and aggression. Tail down can mean the dog isn't feeling well or is sad. Tail tucked can mean fear and aggression.

What's your cat thinking?

Cats tend to be a bit more subtle in their communication than dogs (with the exception of when they're hungry and meowing incessantly). However, if you pay attention you can still get a glimpse into how your cat is feeling. There are three main indicators you should notice when trying to read your cat: the tail, eyes, and ears.
  • Tail. A cat's tail will tell you a lot about their mood. A tail standing up and wagging means a cat is happy. However, a straight up, rigid tail can mean a cat who is aggressive. Similarly, a cat who is thumping their tail or waiving it with force can also be trying to show dominance and aggression.
  • Eyes. Cat's eyes are very intense and expressive. Dilated pupils and a focused look can mean the cat is surprised or scared, but can also mean it is hunting something. Relaxed pupils, blinking eyes, or closed eyes, however all mean that the cat feels comfortable and not threatened.
  • Ears. Ears pointing up are somewhat ambiguous; it can mean playfulness or attentiveness. Ears pointing back, however, are a sign of fear and aggression.




Tags: home   pets   dogs   cats   animals   dog   pet   cat  
Categories: Uncategorized  


Posted by Annemarie Torcivia on 8/15/2016

Pets are part of the family. They look to us for food, protection, and a daily routine. In return, we get the joys of having a tiny, furry best friend (or in my case a huge, slobbering goofball of a dog). When you want to go away on vacation, however, pets become an added layer of planning that makes the process much more stressful and complicated. The good news is you have options. Depending on your pet, your destination, and your financial situation, some options may be better than others for you. In this article, we'll go over pet planning for when you go away on vacation so you can rest assured knowing your pet will be safe so that you can do what vacations are meant for: relax.

Where are you going?

Depending on your destination and the type of pet you have, it might be possible to bring your animal friend along. Pet friendly hotels, bed-and-breakfasts and rental homes are all ways that allow you to keep you and your pet together during vacation. If you don't have the money to spend on expensive hotels, you could try out campgrounds or staying with a friend or relative in the area. There are also websites designed for couch-surfing that sometimes allow pets.

What's your pet's personality?

We hold pets to a pretty high social standard. If someone scooped you up and took you to a strange place away from your family for a week you might be a little nervous, right? Your pet is no different. Depending on your pet's comfort level, boarding could be an option. However, it's a good idea to test this out for just a night before going away on a long vacation. Similarly, you could try having your pet stay at a friend or relative's house for a sleepover to gauge their reaction. Training and conditioning could be all it takes to help your pet feel comfortable away from you or your home while you're on vacation.

Calling in a sitter

A less expensive option to boarding your pet is to have a pet sitter stay at your home while you're away. Odds are you might have a teenager or college aged relative who wouldn't mind having your home to themselves for a week to get away from their parents and siblings. If you aren't lucky enough to have a relative who's up to the job, you can almost definitely find someone on pet sitter websites or on Craigslist. People who work from home, or college students are often happy to stay at your place and watch your pets for a small fee. They get free TV and WiFi for a week, and you get the assurance that your pet and home is being taken care of; everyone wins. If you're worried about leaving your pet with a stranger, don't worry--we understand. Fortunately, most sites come with references and testimonials and you can always meet your pet sitter in person before handing them the keys to your home.




Tags: home   pets   dogs   cats   house   pet sitting   vacation  
Categories: Uncategorized  


Posted by Annemarie Torcivia on 3/3/2014

What in the world is home automation?  Almost everyone knows what a timer on an outside lamp post is for, you can program your outside lights to turn on when the sun goes down and back off in the morning.  There are lots of ways to setup lighting to prevent waste and still maximize the benefit.  So what if you whole house could be managed and from one place or even when you aren't at home?  The kids left some lights on when they left for school, and you can turn them off from your phone, with some systems. A product known as X10 has been around for quite some time now, now there are other options.  Home depot has their own products and even Google is making contributions these days.  The whole idea is convince, for example there are products that work with the X10 system that allow you to change the lighting in your home from an iPhone or Android device, you can use this from anywhere you phone works. Setting up a system like this can start to prove costly.  The more devices you want to control, the more expensive the project ends up, naturally.  You should also be aware some products require a moderate level of know-how in the electrical sense.  One of the most useful products is a replacement switch; changing one should always be done with care and proper precautions of course. Spend some time and figure out what your goals are with your project, it can be as simple as putting a few outdoor lights on timers to being able to control and monitor everything in your house no matter where you are.  It's a fun idea at the very least.