T. Jay Johnson Jr. - RE/MAX Property Promotions



Posted by T. Jay Johnson Jr. on 7/19/2019

Many people spend most of their times indoors and don't pay attention to the quality of air that they breathe in. Some also do not consider the quality of the air as something important until it becomes an issue. According to the findings of NASA, indoor air pollutants form part of the top risks to public health.

Indoor air is sometimes stagnant with poor ventilation, and this gets neglected because it doesn't seem like an issue. Stale air can cause sickness or make you feel uncomfortable. Cleaning the air around the home can be done using a natural and easy method. The trick involved in improving the air quality of a home or office has to do with the use of houseplants. Some houseplants help to improve the air quality of our space.

Looking at the houseplants ordinarily, they seem like they are not doing anything, but they are performing an air-purifying function. They work at improving the quality of our air by taking in carbon dioxide and other particulates from the atmosphere and release the much-needed oxygen into the environment. Here are five plants that improve our health and wellness that also require little shade, water, and care: 

Aloe Vera 

Aloe Vera is an important, all-purpose plant that is easy to maintain. The plant thrives well, and its leaves can be used to treat wounds and sunburns. This plant can grow to about three feet without much demand for water – you can decide to water the plant once in a week or two, and it won't be adversely affected. 

Spider Plant

The Spider plant is ideal for those without green thumbs. It is one houseplant that is easy to grow and maintain. The plant thrives in bright and indirect light. It removes harmful formaldehyde as well as xylene from the atmosphere and keeps air fresh, especially where the ventilation is poor.

Garden Mum

The Garden Mum plant purifies the air, removing harmful gases like benzene, ammonia, Xylene, formaldehyde from indoor air. They are well-known, inexpensive, and can be planted outside once they finish blooming.

Bamboo Palm 

The Bamboo palm requires full sun as well as a bright light to flourish. They grow as high as 12 feet, removing a considerable amount of impurity from the air.Peace Lily They are perfect beginner plants that produce attractive white blooms and flourish without much care. They purify the air by removing trichloroethylene, benzene, formaldehyde, and ammonia from the air. 

Visit your local gardener today to choose a house plant to keep your home air fresh.




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Posted by T. Jay Johnson Jr. on 7/12/2019

Paying off a mortgage early is a dream of many homeowners. By making larger payments on your home loan, you can cut years off of your loan term and save thousands of dollars in interest payments that you can use toward savings or investments. But in an economy that has seen decades of wage stagnation and increasing costs of living, it can often seem like an unattainable goal.

With some planning and initiative, however, there are ways to pay off your home loan before your term limit.

In today’s post, we’re going to talk about three of the ways you can start paying off your mortgage early to avoid high interest payments and save yourself money along the way.

1. Refinance your mortgage

If you’re considering making larger payments on your mortgage, it might make sense to look at refinancing options. Most Americans take out 30-year, fixed-rate mortgages.

If you can afford to significantly increase your mortgage payments each month, you could refinance to a 15-year mortgage. This will save you on the number of interest payments you’ll have to make over the years. But, it will also help you secure a lower interest rate since shorter term mortgages typically come with lower interest rates.

This option isn’t for everyone. First, refinancing comes with fees you’ll have to pay for upfront. You’ll have to apply for refinancing, get an appraisal of your home, and wait for the decision to be made.

But, you’ll also have to ensure that you can keep up with your higher monthly payments. If your income is variable or undependable, it might not be the safest option to refinance to a shorter term mortgage.

2. Make extra payments

An option that entails less risk than refinancing is to simply increase your monthly payments. If you recently got a raise or are just reallocating funds to try and tackle your mortgage, this is an excellent option.

Depending on your mortgage lender, you may be able to simple increase your auto-pay amounts each month, streamlining the process. Otherwise, it’s possible to set up bill-pay with most banks to automatically transfer funds to your lender.

3. Bi-weekly payments or one extra payment per year

Making bi-weekly instead of monthly payments is an option that many homeowners use to pay off their mortgages early. Bi-weekly payments work by paying half of your monthly payment once every two weeks.

The vast majority of homeowners make 12 monthly payments per year. But by switching to 26 bi-weekly payments, you can effectively make 13 full monthly payments in a year without seeing too much of a difference in your daily budget.

This doesn’t seem like much savings in the short term, but let’s take a look at how much you could save over the term of a 30-year mortgage.

On a 30-year fixed mortgage of $200,000 with a 4.03 annual interest rate, you would make a monthly payment of $958.00 and a bi-weekly payment of $479.

Over 30 years of an extra monthly payment, you could save nearly $20,000 on the total interest amount and pay off your mortgage almost 5 years early.




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Posted by T. Jay Johnson Jr. on 7/10/2019


Lot 18 Royalston Rd, Phillipston, MA 01331

Land

$29,900
Price

1.80
Acres
Residential
Land Type
Opportunity to build your dream home. Enjoy nature on this wooded lot with young trees and ample frontage. Shopping and other amenities nearby. Buy now, build later. Located just 5 minutes from Rt 2.
Open House
No scheduled Open Houses

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Tags: Real Estate   Land   Phillipston   01331  
Categories: New Homes  


Posted by T. Jay Johnson Jr. on 7/9/2019


136 Jewett Hill Rd, Ashby, MA 01431

Single-Family

$359,900
Price

7
Rooms
3
Beds
2/1
Full/Half Baths
Come see this lovingly cared for Colonial in the quiet town of Ashby. Enjoy country living on almost 2 acres. On the main level of this home you'll find a living room, Formal Dining Room, Kitchen w/ ISLAND, and Separate Eating Area. Sliding doors lead to a 12x17 DECK that overlooks the rear yard. You will also find a convenient 1ST FLOOR LAUNDRY in the half bath. Upstairs you'll find a Master Bedroom complete with WALK IN CLOSET, a Full Bath w/ TILE flooring, and linen closet. Two additional Bedrooms and another Full Bath make up the 2nd level. Need more space? Relax or entertain in the FINISHED LOWER LEVEL. This area also provides easy access to the POOL and yard. Enjoy a short drive to Mt Watatic and Willard Brook. Stables and walking trails nearby. TITLE V PASSED.
Open House
No scheduled Open Houses






Tags: Real Estate   Single-Family   Ashby   01431  
Categories: Price Change  


Posted by T. Jay Johnson Jr. on 7/5/2019

A smart home device may prove to be a great pick-up, regardless of the size or location of your house. Yet finding an affordable smart house gadget sometimes can be difficult. Fortunately, there are lots of things you can do to acquire economical smart home devices, such as:

1. Conduct an In-Depth Search for Budget-Friendly Smart Home Devices

A diligent shopper will have no trouble finding smart home devices that fall in line with their finances. In fact, they may be better equipped than other shoppers to quickly acquire high-quality, and cost-effective, smart house gadgets.

Of course, it often helps to check out smart home devices multiple manufacturers. This will allow you to weigh the pros and cons of different smart home gadgets. Plus, you can boost the likelihood of finding a smart home device that delivers a great combination of affordability and dependability.

2. Search for Smart Home Devices at Online and Brick-and-Mortar Retailers

Online retailers like Amazon sell a broad array of smart home gadgets – everything from smart light bulbs to smart robot vacuums. If you search for smart house devices online, you may find terrific gadgets at low prices.

Furthermore, brick-and-mortar retailers are available in cities and towns nationwide. These retailers hire friendly, knowledgeable sales representatives who can teach you everything you need to know about different smart home gadgets. Such as getting the assistance you need to find the right smart home device based on your budgetary and personal needs.

3. Keep an Eye Out for Deals

As new smart home device models become available, previous models may be offered at discounted rates. Thus, if you watch out for new smart home device releases, you may find the prices of past models will be lowered accordingly.

In addition, smart home device prices may be reduced in conjunction with various holiday promotions. If a retailer wants to boost its Christmas sales, for example, it may offer discounts on a wide range of smart house gadgets.

4. Purchase a Pre-Owned Smart Home Device

A pre-owned smart home device may work just as well as a brand-new model. At the same time, a pre-owned smart house gadget may be available at a fraction of the cost of a new model.

If you shop for pre-owned smart home devices, proceed with caution. Whenever possible, you should test a pre-owned smart home device before you buy it. Conversely, if you purchase a pre-owned smart house gadget from an online retailer, ensure that you can return the device if it does not work properly upon arrival.

Clearly, there are many things that you can do to purchase smart house devices without exceeding your budget. As you check out the smart home devices at your disposal, use the aforementioned tips. By doing so, you can find and buy affordable smart home devices that may serve you well for an extended period of time.




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