Susan Brown & Stephanie Smith - Kinlin Grover Real Estate



Posted by Susan Brown & Stephanie Smith on 7/12/2018

Whether you live in a huge mansion or a modest cottage, your home is your castle, and you're entitled to be safe and secure at all times!

Unfortunately, there is a criminal element in society which can pose a potential threat to homeowners (and renters) who fail to take precautions.

While each individual has to decide for themselves what security measures are necessary for their own safety and that of their family, everyone can benefit from developing a sense of heightened awareness. This is not a difficult thing to do; it simply requires you to focus extra attention on the need to keep your home and family secure. As an old song lyric by Kenny Rogers reminds us, "Trust in God, but lock your door."

By nature, we are all "creatures of habit." It's easy to lose sight of the big picture and allow ourselves to be lulled into a sense of false security. No matter how safe you think your neighborhood is, you're inviting trouble if you habitually leave your doors unlocked. In the same way you may be conscientious about turning off the stove when you're finished using it, getting in the habit of locking your doors (and windows) before you leave the house or go to bed is also a good safety practice. Just that simple thing done on a consistent basis can drastically reduce your chances of becoming a crime statistic.

Shedding light on the subject

Another easy and inexpensive way to fortify home security is with lighting. Your house and property should never be pitch black at night because it makes your home look more vulnerable and unprotected. Creating the impression that someone is home -- whether they are or not -- can be as simple as turning on a couple lights before you leave the house, connecting your lights to a timer that will automatically turn on and off at designated times, or installing a system that enables you to control your home's security remotely. Motion-activated outdoor spotlights can also be an effective deterrent.

One of the many advantages of having a high-tech home control system is that you never have to worry about forgetting to lock your doors, turn on the lights, or adjust your thermostat; you can do it from virtually any location. If you're not technically inclined, you can have a system installed and monitored by a home security company (Make sure to compare prices, services offered, and customer reviews first, though.)

Some homeowners even opt for a video surveillance system, which is one of the most effective ways to keep tabs on your property. Implementing that sort of security system doesn't fit everyone's comfort zone or household budget, but home automation, in general, is an option worth considering and learning more about.

Whether you decide to stick with old-fashioned techniques or try the latest high-tech methods of keeping your home secure, your most important resources are awareness, alertness, and a good set of locks on your doors and windows.





Posted by Susan Brown & Stephanie Smith on 7/5/2018

You have probably been claiming the standard deduction on your taxes up until the time you bought a home. Now that you’re a homeowner, you may want to start itemizing your deductions. Your property investment will help you to start saving money in a new way. There are many different kinds of tax breaks that are available to you. Here’s the breakdown of some of the best deductions:  


Mortgage Interest Deductions


Many times, the biggest tax break comes from deducting mortgage interest. As a homeowner, you’re able to deduct interest on up to $1 million worth of debt that was used to purchase or make improvements to your home. Each January, your lender will send you what’s called a form 1098. This lists the mortgage interest that you paid during the previous year. The form should include the amount of interest that you paid from the date you closed on the home through the end of year. 


Real Estate Tax Deductions


You’re able to deduct the local property taxes that you pay each year from your April tax forms as well. If you pay your property taxes through an escrow account, you’ll receive a statement from your lender. If you happen to pay your taxes directly, however, you’ll need to keep good records. You may have also reimbursed the seller for taxes that were paid on the home in the year you purchased it. This can be be included on your real estate tax deduction form. Payments into your escrow account cannot be deducted, as these are just set aside for future tax payments. 


Mortgage Insurance Premiums Can Be Deducted 


If you make a down payment that’s less than 20% of the home purchase price, you may have to pay monthly premiums for mortgage insurance. This is an extra fee that protects the lender if the borrower defaults on the loan. The good news is that these premiums are tax deductible. 


Home Improvement Projects May Be Deductible


You should save your receipts for all of the home improvements that you make throughout the year. This can be anything from windows to landscaping to new energy efficient heating systems. While you may not be able to make these deductions right away, if you make a large profit when you sell your home, the IRS could tax you. You’ll want these deductions available to you if this happens to save money.   


Energy Saving Homes Get Deductions Too 


Any energy saving home improvements that you make can give you an additional tax break. You can earn tax credits worth up to $500. Tax credits are more valuable than deductions since credits actually reduce your tax bill dollar-for-dollar. Other improvements work on a percentage-credit based on the cost of the improvements and the type of project that was done.        




Categories: Uncategorized  


Posted by Susan Brown & Stephanie Smith on 7/1/2018

Picture Perfect in Sandwich Village! Step inside this sparkling 3 bedroom, 2 full bath Ranch featuring wood floors, gas fireplace living room with large picture window framing the front yard & covered porch. Gorgeous new kitchen with granite, white custom cabinetry, stainless appliances & accents. Dining area with slider to back deck & yard for entertaining. New Nest thermostat controls the gas heat & central A/C to keep you cool on a hot summer day. Exterior freshly painted & stained, new front porch, circular driveway, 1c gar with freshly painted floor. Central vac, huge unfinished basement offers endless possibilities. Level lot with new plantings & lawn area. Desirable neighborhood only minutes from Historic Village and beautiful Northside beaches. Can be sold furnished pls inquire.

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Posted by Susan Brown & Stephanie Smith on 6/30/2018


51 Chipman Rd, Sandwich, MA 02563

Sandwich (village)

Single-Family

$425,000
Price

5
Rooms
3
Beds
2
Baths
Picture Perfect in Sandwich Village! Step inside this sparkling 3 bedroom, 2 full bath Ranch featuring wood floors, gas fireplace living room with large picture window framing the front yard & covered porch. Gorgeous new kitchen with granite, white custom cabinetry, stainless appliances & accents. Dining area with slider to back deck & yard for entertaining. New Nest thermostat controls the gas heat & central A/C to keep you cool on a hot summer day. Exterior freshly painted & stained, new front porch, circular driveway, 1c gar with freshly painted floor. Central vac, huge unfinished basement offers endless possibilities. Level lot with new plantings & lawn area. Desirable neighborhood only minutes from Historic Village and beautiful Northside beaches. Can be sold furnished pls inquire.
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by Susan Brown & Stephanie Smith on 6/30/2018

This IS THE ONE! Adorable 2 bedroom, 2 full bath Ranch on a lovely level landscaped lot. Fireplace living room with wood floors opens to kitchen with cherry cabinetry and space to cook! Lovely sunken family room off kitchen with slider to back deck and fenced in yard. Updated bath on the first floor, one bedroom with wood floor, closet & slider to side yard & the other bedroom with wood floor and closet. Downstairs is a mostly finished walkout basement with a full bathroom, office/den with wall to wall carpet and a fabulous kitchenette/wet bar for entertaining. The yard is full of mature plantings, fire pit, stone walls irrigation & patio. Shed & room to add future garage! Updates incl; new roof 2018 and heating system 4 yrs young. Only a minute to beautiful Snake Pond for summer fun!

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