Denise "Civitello" Ditta

03/22/2024

The best time to sell week this year is April 14-20 and is expected to have the ideal balance of housing market conditions that favor home sellers, more so than any other week in the year.

Historically, homes during this prime week tend to sell 10.4% higher than the year's start.

In these cities, homes could sell for up to 20% higher, full report here: https://rltor.cm/af3uj5

See how much your home is worth and find a trusted agent: https://rltor.cm/5d9nlz

06/28/2022

Should I Use My 401k to Buy a Home?

Buying A Home
Should I Use My 401k to Buy a Home?

May 17, 2022
Buying a home can be a financial stretch. With soaring home values and rising interest rates, many potential first time home buyers find saving for a down payment increasingly difficult. For many people, the main source of savings is in the form of a 401k and tapping into this resource for a home purchase is one way to find the down payment necessary to finance a new home; but should you use your 401k to buy a home? Experts are conflicted.
A 401k is a retirement savings plan offered by employers which takes pre-tax earnings and deposits it into an investment account for use in retirement. The money in a 401k account can be accessed by either taking out a loan against the balance or by a straight withdrawal. A withdrawal before the age of 59.5 is also subject to a 10% penalty.
Taking out a loan from a 401k account may be a viable option for potential home buyers. For one thing, a loan from your 401k should not count against your borrowing power. You also don’t need to qualify because you are borrowing from yourself. The amount you can borrow is limited, for example 50% of the balance, and typically must be repaid within 5 years. The other option is a simple withdrawal; the 10% penalty is incurred, but the value is not usually limited.
Saving for a down payment can be challenging. Using your 401k to help may be a great option. Speak with your financial advisor and see if this is the right financial move for you.
Our Real Estate professionals are knowledgeable and ready to assist you with your buying or selling needs.
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06/27/2022

When the weather heats up, it’s the perfect time to whip up light and refreshing salads. From fruit to pasta to all those fresh, leafy varieties – there’s no limits to what you can toss and serve this summer. Here are just a few delicious and inspiring salad ideas.

Keep it Fresh and Fruity
There’s nothing more refreshing in the summer than perfectly ripe berries. Luckily, just about any berry can be used in a salad. A great one to try is a strawberry feta tossed salad. The ingredients are simple, and the end result is a healthy, sweet salad that is sure to impress. Although it calls for strawberries, you can definitely toss on a fruit of your choice. Think blueberries, raspberries and even peaches.

Pass the Pasta
A great summer get-together is not compete without an amazing pasta salad. One simple showstopper is a pesto pasta caprese salad. There’s nothing like fresh garden basil, which is highlighted in this lovely summer dish. The addition of sweet grape tomatoes, fresh mozzarella balls, pesto and olive oil are sure to make this a huge hit. Not only does it taste amazing, but it’s also photo worthy. Again, you can get creative and throw in some spices and other veggies, but honestly just sticking to the recipe on this one is really the way to go.

Did Someone Say Salad for Dessert?
You know what they say, everything old can be made new again. So, start going through grandma’s recipe books, because there’s bound to be a couple of dessert salads that you can modernize with ease. Take for instance, this pineapple pretzel fluff recipe. Talk about a refreshing new take on the dessert salad. This recipe calls for canned pineapple, but you can always go the extra mile and choose fresh. These types of dessert salads are the perfect addition to any summer barbecue.

As you plan your summer days, make sure and toss in a few of these fun summer salads – pun intended. Enjoy!

SALAD SALAD RECIPES SUMMER SALAD

06/24/2022

COME JOIN ME
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07/23/2021

05/04/2021

Getting ready for May 5th!!

04/19/2021

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04/03/2021

Monday symbolises new starts and beginnings.

Your morning thoughts this Monday will set the tone of your week, so let’s make this Monday one of the good ones.

Show the power of a positive attitude and soar toward your goals.

Happy Monday everyone!