Zone of Saturation defined by dictionary.com is: the ground below the water table. Well for the sake of comparison, the housing market is in the “Zone of Saturation.” There are currently more people selling their homes, than people buying homes. But is this about to change?
“The housing market is going to shock people. Once we get the ball rolling it becomes easy to roll” stated Lieberman, former head of monetary analysis at the Fed Bank of New York. According to Bloomberg Businessweek, December 28, 2010, Fed’s hope holding interest rates low will finally stimulate the housing market. Bloomberg predicts housing starts will reach a three-year high in 2011.
Most American make New Year’s Resolutions, many of us don’t verbalize these goals, but in the back of our minds we say “This year I’m going to…” Have you ever noticed that resolutions tend to be the same or at least have a similar theme year after year? Well, this year, I’m NOT going to have a New Year’s Resolution to start 2011. I’m going to have a Year-End Review of 2010.
New Year’s Resolutions are about what we want to be/happen, a Year-End Review is about what is/has been. By March most of us have lost sight of our resolution because we didn’t plan ahead and base our goals on our current reality. By doing a Year-End Review, I am going to evaluate what really happened during the previous year, define what is important to me based on where my energy was spent in 2010, and focus my intent on the changes I want to make in my life.
Here is a brief description of how to do a Personal Year-End Review: (I have chosen 3 different areas to review based on the most common resolutions: personal time/organization, budget, weight loss/fitness)
- Using your calendar/date book, write down all the important events that happened in 2010. This could include: vacations, meetings, appointments, major purchases, parties, home renovations, don’t forget recurring appointments (like gym time), etc.
- Review the list you’ve just created. What are you most proud of, what do you wish you had spent more time/energy doing, number the top five events of 2010.
- Compare balances: bank account balances, credit card balances, principle balances on mortgages/home equity lines, and loans. Compared to the end of 2009 to the end of 2010, how much have you saved/paid.
- Compare your physical fitness: call your doctor’s office if need be to get your health information. Compare your blood pressure, cholesterol, weight and waist measurements for 2009 to 2010. If you don’t have this info for 2009, write down 2010’s so you have it for 2011!
Now that you have your 3 lists, look at your calendar for 2011. It is an open slate, make it what YOU want!!
Here are some links to give you other ideas of how to do a Personal Year-End Review:
“Oh, today ain’t too bad. The sun is pretty warm as long as you’re moving around. Now Wednesday, the wind! Man didn’t the wind blow! We’d have the box all lined up, and the wind would gust and blow it a foot out! You wouldn’t think the wind could move something that weighs 30,000 pounds…”
On a winding road in the mountains in the heart of Maine, the Schiavi Home Builders crew works to button up a home we are building for a hardworking Oxford Hills family. This home is one of the last homes to be set in 2010 and is now in its third day. Wednesday blew in as the coldest day so far this winter, but that didn’t stop our crew.
“So Carl, how many layers are you wearing?”
“ah, 2 on bottom, 3 on top. Kimball probably has 5 on!”
The easy banter between the crew members is evidence of thousands of hours logged on construction sites together. Combined, our crew has more than 21 years of being part of this company. Our construction crew handles all aspects of building from setting homes, framing decks, building additions, sheds & garages, to finish carpentry such as trim, custom mantels & shelves.
The sales staff at Schiavi Home Builders may be the face of the company, but “The Crew” is the heart. Our construction crew has made Schiavi’s what we are today Schiavi Home Builders.
The summer to-do list for most homeowners is longer than the summer is. While winter seems to drag on and on. The cold winter months can be used to do several projects inside your home and free up some of your time in the summer.
- Painting/wallpaper. Be sure to ventilate the areas you are working in.
- Flooring. Contractors are typically slower in the winter months. There are several types of flooring that handy homeowners can install themselves, and save a lot of money in doing so.
- Adding accessories, new lighting or fixtures. Small changes like new knobs on cabinets can have a big impact on the feel of a room. Compare your light fixtures, faucets, cabinet pulls, door knobs, curtains and rods to those you like in magazines & retail stores.
- Updating the laundry room. Adding prebuilt cabinets and shelving to your laundry area is a great value and convenience.
- Organize, organize, organize. Anytime is a great time to organize your home. Look at each room, determine where the clutter is coming from and decide how best to deal with it. Set up a key hanger and charging station for your phones near your entry door. Coordinate it with a place to sort your mail. Use a basket to toss toys into in the family room to clear up clutter (use a coordinating smaller basket for pet toys).
- Now is a great time to look ahead at your summer projects and start the planning process. You may be able to find great deals on materials for walkways, patios, outdoor lighting, etc.
There are many variables in the timeline of building a new home. For the purpose of demonstration and discussion, let us lay out those variables in a mathematical equation if you choose to be the general contractor for your new modular home:
You + Bank + Builder + Surveyor + Excavation Co. + Well Co. + Septic Co. + Concrete Co. + Crane Co. + Electrician + HVAC Co. + Plumber = New Home
Now, let us lay out the variable in a mathematical equation if you choose Schiavi Home Builders to be the general contractor for your new modular home:
You + Bank + Schiavi Home Builders = New Home!