Danric Blog

Blog Archive for April, 2011

Cooking Healthy on a Budget

Categories: Financing | Posted: April 22, 2011 | Comments Off on Cooking Healthy on a Budget

One of the best habits you can start is planning your meals for the week in advance. That way, when you go shopping for groceries, you know exactly which ingredients you need and having that food on hand can prevent you from making less healthy impulse buys when meal time comes around.

When you go shopping, make sure you are only buying the things you need. Most food budgets are exceeded because families overbuy perishable foods, or impulse buys carefully marketed by your local grocery store chain around new homes in Montgomery, Al. The best plan you can have is to go to the grocery store with a list of the things you NEED for the week, but make sure you also plan for healthy snacks on hand. Bring a pen to cross things off of your list, and try not to make too many accommodations for other foods that may come up on your trip through the store.

Clipping coupons can also be beneficial, but only if the coupons are for items you and your family already consume. Marketing companies most frequently release coupons for novelties, like cookie dough, to encourage consumers to buy products they might not ordinarily purchase. Be sure to stay vigilant and stick to your grocery list.

Whenever you can, cook in bulk. This means less food will go to waste, you’ll spend less time cooking, and you’ll also have healthy leftovers to carry over into other meals or lunches.

Buying fruits and vegetables in season and from a local Farmer’s market can prove to be much healthier and cheaper than going to your run of the mill grocery store. Especially if you’re buying through a Farmer’s Market, your city provides all of the advertising for those farmers, and the cost of their goods does not need to be inflated to cover the costs of advertising or renting out a store front to serve new homes in Montgomery, Al.

Soba noodles are an Asian favorite. These noodles are made from buckwheat, which not only contain more fiber than bleached pasta or egg pastina, but they also contain iodine, as well. Soba can be used in stir-fry, as a side, or even as the main course.  Whether you’re making Mango Street Noodles, or Thai Peanut Curry, Soba makes for a versatile, cheap, and healthy starch.  Buying non-perishable staples, like rice, can also help you save money in the long run. The cheapest place to shop for imported goods would be a local Asian grocer or International foods market. Americanized grocery stores tend to mark up the price of imported goods by quite a large margin.

Pot roasts can also make for cheap and excellent meals. Brisket is perhaps one of the cheapest cuts of beef, but for a pot roast, cooking the meat at high temperatures for a long period of time breaks the meat down into a deliciously tender meal. Add some chopped potatoes, carrots, celery, onions, garlic, pepper, beef stock, a splash of red wine, and you have a fantastically tasty and abundant meal to enjoy in your new homes in Montgomery, Al.

TO BUY OR TO RENT?

Categories: Financing | Posted: April 22, 2011 | Comments Off on TO BUY OR TO RENT?

FOUR QUESTIONS TO CONSIDER WHEN DECIDING WHETHER TO BUY OR RENT A HOME:

“To buy or to rent?” Recent graduates, young couples, relocating professionals and others have all asked themselves this question at one point or another. While each option has its benefits, the decision to purchase an apartment, condominium or house as opposed to renting, is complex and based on a number of factors. According to a survey from October 2010 from the National Association of Realtors, nearly eight out of 10 respondents believe buying a home today is a good financial decision. The question that remains is whether or not now is the right time to purchase a home for you.

For most people, deciding to purchase a home is the largest financial decision of their lifetime. Before making the jump into homeownership, potential home buyers should consider the “soft” lifestyle issues as well as the “hard” financial ones. The professionals at Coldwell Banker Spinks Brown Durand and DanRic Homes have provided the following four financial and lifestyle questions to consider when determining if buying a home is the right decision for you:

 

1. Do you have a steady income? At or near the top of every potential homebuyer’s mind is whether or not they can afford to buy a home right now. Buying a home remains a sound financial decision for those with documented income and a good credit history, and a steady income can provide a strong backbone for the initial down payment and future mortgage payments. The “Affordability Radar” tool on coldwellbanker.com is a great way to begin this planning and assess how much home you can afford. Don’t hesitate to speak with a real estate professional even before you’re ready to buy a home. Along with a financial planner, a real estate professional can help you answer and uncover questions about the cost of homeownership.

2. Do you plan to stay in a home for an extended period of time? With proper planning, a home purchase has historically proven to be one of the strongest investments one can make. Along those lines, it’s imperative to understand that investing in a home is much different than investing in a stock portfolio. Homes typically appreciate in value over time while the owner builds his or her equity through monthly mortgage payments. If you anticipate staying in a home for only one or two years, it doesn’t necessarily mean buying is not for you, but you are less likely to see a significant financial return on your investment.

3. Do you plan to sell a house in order to buy a house? A local real estate professional can help you understand current local market conditions and will help you make smart decisions when listing a home on the market. If you do not currently own a home that needs to be sold prior to purchasing a new one, now is a particularly smart time to buy. Even with lenders becoming increasingly more thorough in their approval process, mortgage financing is still widely available for those with a steady income and solid credit. High inventories and low interest rates give first-time homebuyers a tremendous amount of opportunity and flexibility in markets across the U.S.

4. How do your other options compare? For renters, calculating month-to-month housing expenses is as easy as inquiring about the monthly rent and average utilities. The calculation gets a bit more complicated when considering the monthly cost of owning a home. A real estate professional can help you understand a range of financial considerations from annual property taxes to the tax incentives for owning a home.

“There is no one right decision when it comes to renting versus buying a home,” said Darby Pippin, of DanRic Homes. “Each individual should take the time to look at their personal and financial situation to decide what will work best for their needs and lifestyle.”

DanRic Homes, located at 89 Durand Road, can be reached at (706) 882-7773 or online at www.danric.com. DanRic Homes has been building quality new homes the area for 37 years.

Easter Bunny on Lafayette Square this Saturday!

Categories: Community Events | Posted: April 18, 2011 | Comments Off on Easter Bunny on Lafayette Square this Saturday!

The Easter Bunny will be in downtown LaGrange on Lafayette Square this Saturday, April 23rd from 11:00 AM until 2:00 PM!

Bring your Easter basket to receive free surprise eggs! Adults can register for the Golden Egg Prize: a $200 Downtown LaGrange Gift Certificate!

Don’t forget your camera!

Sponsored by The Downtown LaGrange Development Authority. For additional information, please call (706) 298-4532.

Tips to Help You Save Money around the House

Categories: DIY Tips & Tricks | Posted: April 16, 2011 | Comments Off on Tips to Help You Save Money around the House

 

By making small changes around your house, you can streamline the efficiency of your home and spending habits so you can end up saving yourself money around  homes for sale in Opelika, AL.

  • Make sure you and your family turn off lights when you leave a room or home.  Also be sure to turn off TVs, Computers, and other electronic devices which suck a lot of energy to idle. Not only will this increase the lifespan of your electronic equipment, but it will also save you in utility bills.
  • Many people don’t realize it, but leaving certain electronic devices or charging cords plugged in constantly siphon power. Phone chargers are notorious for pulling electricity, even when your phone isn’t charging. Make sure to unplug all unnecessary cords to prevent energy leeching by unused equipment.
  • Buying food and supplies in bulk is almost always cheaper than buying them individually. Buying and cooking in large quantities optimizes the amount of food you can afford, and cooking in bulk and storing leftovers means you can save money and time. By having lunch and additional meals for the week prepared, you can spend less time cooking and you won’t find yourself ordering food out weekly than you have to.
  • Use the sun to your advantage.  When it’s hot and sunny, make sure to keep your curtains or shades drawn to prevent sunlight from warming your home, making your air conditioning unit work harder to keep  homes for sale in Opelika, AL  comfortably cool.
  • If you regularly water your lawn or garden, make sure you water in the morning.  This allows your soil to absorb more water because the evaporation point is highest during the midday zenith of the sun. Not only will it give your plants a greater chance to diffuse water from the soil, but it also means you will have to use less water.
  • Using coupons and paying attention to sales when anticipating a purchase can help you save money on items you were already planning on buying. Doing this for food and clothing purchases can be especially beneficial and save money. It helps get you into the mindset of planning and budgeting monthly expenses and optimize the discount opportunities available.
  • Weatherproofing your home can not only assist in promoting it’s structural integrity, but it can save you hundreds of dollars in air conditioning or heating costs. Some  homes for sale in Opelika, AL are designed with energy efficiency in mind already.  Making sure windows and doors are properly sealed and caulked can prevent leaks, and making sure floorboards, walls, attics, and basements are properly insulated and sealed can also keep the temperature of your home consistent and controlled.

Auburn Football 2011 A-Day Game tomorrow!

Categories: Community Events | Posted: April 15, 2011 | Comments Off on Auburn Football 2011 A-Day Game tomorrow!

Auburn Football 2011 will kick off with their annual A-Day Game Saturday, April 16 at 2:00pm CST!

Schedule of Events:

10 a.m.-1:30 p.m. Tiger Fan Fest
10 a.m.-1 p.m. Punt, Pass & Kick Contest
11:30 a.m.-1:30 p.m. Alumni Athlete BBQ
2 p.m. A-Day Game Kicks Off

Tickets for the 2 p.m. CT A-Day game, brought to you by Golden Flake, on April 16 are $5 for general fans and free for AU students with Auburn Ignited card. All tickets are general admission and can be purchased on game day. Tickets will also be available at: Anders Bookstore, Big Blue Bookstore, J&M Bookstore (both locations), Tiger Rags and University Bookstore.

For Parking, gate info and more events during A-Day please visit the A-Day Website: http://auburntigers.cstv.com/aday/

Additional information and other local Auburn, AL events can be found at:  http://www.aotourism.com/Calendar/Event.aspx?CEI=189

Market on Main in Downtown LaGrange returns!

Categories: Community Events | Posted: April 14, 2011 | Comments Off on Market on Main in Downtown LaGrange returns!
This Saturday, April 16th is opening day for the  Spring Market on Main! The Market will be open every Saturday from 8 am until 10 am. The Spring Market will feature fresh vegetables, homemade baked goods, unique plants, herbal teas and so much more!
The Market on Main is located in the Carmike Theater Parking lot in downtown LaGrange. If you would like to be a vendor at the market please contact the Downtown LaGrange Development Authority at (706) 298-4532 or cschirra@downtownlagrange.com
To download the Market Rules and application, visit the Downtown LaGrange Development Authority’s website at  www.downtownlagrange.com

How to Reduce Your Carbon Footprint

Categories: DIY Tips & Tricks | Posted: April 7, 2011 | Comments Off on How to Reduce Your Carbon Footprint

 

With Spring in full-gear, here are some helpful habits to help you take care of the environment.

1)      Use vegetable-based or biodegradable cleaning products around the house– You may not realize it, but most of those caustic chemicals we use for daily maintenance and cleaning usually wind up down the drain, in the garbage, or outside steeping into your water table.

2)      Composting– Set aside an area in your backyard to compost leaves and biodegradable waste, like eggshells, spoiled food, and banana peels. If you intend to use your compost pile for gardening at your new homes in Auburn, AL, you can even add earthworms to your compost pile to speed up the process and enrich your topsoil. Just be sure to keep extremely acidic waste like coffee grounds separate, as it can kill your earthworms.

3)      Water your lawn in the morning– This gives your soil and vegetation the chance to absorb the most moisture possible before the midday sun causes substantial evaporation. Not only will this save the environment, but also your wallet and your lawn.

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Save Your Tax Refund to Buy New Furniture!

Categories: Financing | Posted: April 5, 2011 | Comments Off on Save Your Tax Refund to Buy New Furniture!

You’ve seen the declining prices, you’ve taken note of the low interest rates, you’ve read the countless number of pros and like many other investment-savvy Americans – you’re realizing that now is the time to buy a new home.

So where do you start?

Well, many people will tell you that getting a down payment is your first order of business. Some might even suggest that you use your tax refund check for that sole purpose. But not this gal. Nope, I’m going to go in a completely different direction and recommend that you save that refund check for a rainy day, or even to buy yourself some new furniture for that new home.

Buy new furniture? She can’t be serious.

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