My Thoughts on Reverse Mortgages

I recently read an article in Investopedia entitled “5 Signs a Reverse Mortgage Is a Bad Idea” and I thought I might learn something new about reverse mortgages. All I saw was a “glass half full” explanation of them. Let’s be honest, every financial tool is not perfect for every situation, and if you are over 62, you may be considering a reverse mortgage, so let me tell you what I think about them. Then, read other opinions and decide for yourself.

What is a reverse mortgage? Let’s start with what is a mortgage? (just in case). If you are clear what a mortgage is, skip to the next paragraph. A Mortgage (called a Deed of Trust in some states) is a loan, secured by real estate, and they were really made popular after the Great Depression when the time to repay was stretched from 5 years to 30 years. That’s right, many years ago, if you could not pay off your house in 5 years you couldn’t buy one, and the Federal Government stepped in to create the 30 year mortgage in order to increase homeownership. When you buy a home, most people borrow most of the money and the repayment is usually spread out over 30 years. We won’t get too deep into amortized interest here, so suffice it to say that for the first several years, most of your payment goes to pay interest, and a small portion goes to pay down the amount you need to repay (principal). Usually, your real estate taxes and homeowner’s insurance are also bundled into that payment. You also might pay a fee called Mortgage Insurance, which is essentially an insurance policy in case you can’t pay your mortgage and they need to begin collection proceedings. Yes, they can take your home away if you do not pay your mortgage (that’s fair, right?).

So, what is a reverse mortgage? Well, it’s a mortgage that works in reverse… With a mortgage, you start with a high balance, and pay it down. If you stay in mortgage for the full 30 year term and never make extra payments, at the end of the term, you no longer owe a mortgage payment (you still owe real estate taxes and homeowner’s insurance). In a reverse mortgage, you start with a low loan balance (as low as zero if you have paid your house off already) and your balance increases as you receive money. You must start with at least 50% equity, so if your home is worth $400,000 and you owe less than $200,000, you have enough equity. You could also use a reverse mortgage to buy a $400,000 home with a $200,000 down payment and, because the house is going to pay you, you do not need to have good credit or income.

What? Why would I receive money from my house? That sounds like a scam to me!

Based on my conversations with people, there are 4 primary reasons people don’t get a reverse mortgage when they should, and the above reason is

#1. People think it must be a scam, so let me explain why a bank would send you money. Remember, the loan is secured by real estate, and banks are just investors who are in business to make money by loaning it out. And if you remember that you must be 62 or older to obtain a reverse mortgage, then you’ll realize that you are closer to the end of your life than the beginning, and reverse mortgage is only valid while you are alive and living in the home. When you die, the bank loan must be paid off. The 2 most common ways this happens is that your heirs pay off the loan by getting a new mortgage, or they sell the property. If there is any money left over after selling it, the heirs get to keep it. However (and this is pretty cool) if there is not enough money from the sale to pay off the loan, your heirs do not owe the difference. Now you can see, it makes business sense for a bank to offer a reverse mortgage.

#2 (THIS IS FALSE) People think the bank will eventually foreclose on me and kick me out! As long as you are alive and living in the home, the bank cannot take it away from you. The worst thing they can do is stop sending you money if they have sent you the maximum they originally agreed upon, and very often, by the time they have sent you that amount of money, the home has gone up substantially in value, however it is possible that you stop receiving money. In fact, if you really beat the odds and live to a healthy 150 years old, the bank will just have to wait until you die (or voluntarily move), in order to get the mortgage paid back. Of course, interest will continue to accrue, but remember, your heirs do not owe the difference if the sale does not bring in enough to pay what is owed.

What if you are still alive and want to move? Just like any home you own with a mortgage, sell the home, pay off the mortgage, and move. No problem. Which brings me to reason

#3. There are high upfront fees to get a reverse mortgage. Now these high fees, spread out over many years, seem reasonable to me. And let’s be honest, when I die, I can’t take the rest of the money with me, so personally, I am ok with spending that money today to not have a house payment in my later years and create some additional income. Which brings me to reason

#4 If you get reverse mortgage, you are spending your children’s inheritance (or at least some of it). This is a true statement! The more you spend while you’re alive, the less your heirs will receive when you are gone. So here is how I view this; when you’re gone, (depending on what you believe) you will not get to watch them spend it anyway, so if you want them to enjoy your money, why not have them enjoy it with you? Get the reverse mortgage and use the money to spend your last years creating wonderful memories with the ones you love! Also, as a parent, I believe it is my job to teach my children the life skills they need to surpass my accomplishments, not to just leave them a pile of money when I am gone.

Closing thoughts:

I am not 62 yet, and at some point, after I turn 62, I fully intend to get a reverse mortgage. I have paid into my home for years and I will feel good when it pays me back.

To be clear, there are legitimate reverse mortgages and there are certainly reverse mortgage scams out there too, so if you want to talk to a reputable reverse mortgage lender, just let me know and I will be happy to recommend someone, after all I’m Jeff Howard – you’re Realtor for life.

Do you have a need for commercial / industrial / retail buildings or land? Are you ready to buy or sell a home? Do you want 3 cash offers? We can help you with all of that… just call us at 702 SELL NOW or click on this link to my website http://www.702SellNow.com

Choose to have an amazing day….Jeff

What is a Bug Zapper and how do You Use It?

I would think most people know what a bug zapper is, however, I recently talked to a guy who had never heard of one. There’s also a chance that you’ve never actually used one in real life and have just seen them used in an ad or cartoon or a TV show. Bug zappers have sort of become a part of pop culture, usually indicating that a character lives in a very rural setting and more often than not comes from the poorer side of the tracks. So let’s get rid of that mental image right now. Bug zappers are actually very useful tools that can make your home and yard a bit more comfortable when bugs that bite are out looking for a nibble in the heat of summer or even for those annoying flies that just won’t go away.

How Bug Zappers WorkWhile the “zap” in the name gives away a large part of how bug zappers work, the system is a bit more complex than just tossing out some voltage and killing wayward bugs. Inside the average bug zapper is an ultraviolet light source, which depending on the model of the zapper could be a light bulb, a fluorescent light tube or even UV LEDs. It’s this light source that attracts insects to the device, causing them to fly in between a grid of wires in hopes of reaching the light within. This is where the zap comes in; the grid contains electrified wires that provide a small shock to any insects that fly inside.  This kills them and causing them to drop onto a removable tray for easy cleanup.

Keep in mind that this is just a general description of how they work, and different models may have additional features such as scent or pheromone cartridges designed to attract specific types of insects. There also may be some differences in design between bug zappers intended for indoor use and those designed to use outside. Some small units may even be battery powered or built into the form factor of a flyswatter to make killing specific insect pests easier.

Placing Bug ZappersFor stationary bug zappers, there are two main types: Indoor units and outdoor units. Indoor bug zappers are typically only needed in residential homes if you have problems with bugs in certain areas (such as flies in the kitchen or flying bugs coming in through sliding doors in the summer.) If that’s the case, a bug zapper can be placed around the area where you have the largest problem or near the most obvious entry point.

Outdoor bug zappers are much more commonly used by homeowners, especially during the summer when everyone wants to spend time outdoors. The best locations to place bug zappers outdoors are typically around the edges of the area where you plan to spend time, such as the outskirts of a pool or play area, so that insects will be drawn to the zappers instead of the people within that perimeter. It can also be beneficial to place a bug zapper near outdoor tables where you’ll be serving food, just so long as it’s far enough away that wayward zapped bugs won’t fall out and land on the table. Garden hangers and shepherd’s hooks can be used to hold up the bug zapper units wherever you place them.

Personally, I am a big fan of the tennis racket looking zappers… those don’t attract the bugs, you have to “hunt” them, so it’s more like a game with those!

Bug Zapper SafetySince bug zappers use electricity, keep in mind that you’re likely going to need extension cords to provide them with the juice they need. This means that you’ll need cords that are rated for outdoor use, as well as a grounded outdoor outlet to plug them into. It’s also important that the zappers are mounted in such a way that pets or children aren’t going to grab them; even though bug zappers don’t provide enough of a zap to be dangerous to people or pets, it could still hurt or startle them.

Using a bug zapper can be beneficial around the house, though it’s important to remember that not all bugs will be attracted to one. For other insect pests, calling in an exterminator or other pest removal pro can be a good idea. If you are having a insect problem that a bug zapper will not help with, contact me – Jeff Howard, your Realtor for life – and I can give you a recommendation for great bug people that can solve your problem.

Do you have a need for commercial / industrial / retail buildings or land? Are you ready to buy or sell a home? Do you want 3 cash offers? We can help you with all of that… just call us at 702 SELL NOW or click on this link to my website http://www.702SellNow.com

Choose to have an amazing day….Jeff

Window Coverings Help Beat the Summer Heat

We all love living in Las Vegas even during the hot summer months and keeping your home cool during the hot summer months can be an expensive prospect. This is especially true if you have large windows or rooms that have multiple windows that let sunlight in. While it’s great to have natural light during the day, it can work against your AC by heating up the air in those rooms at the same time you’re pumping cool air throughout the house. This can lead to your air conditioning running almost constantly throughout the day, and in some cases may even prompt an expensive HVAC upgrade if your current unit can’t keep up with the summer heat to your liking.

Various types of window coverings will help cut down your cooling costs during the summer without having to spend potentially thousands of dollars on a more powerful air conditioning solution. Window coverings can make a big difference in how much heat is added to your home through your windows. Not only does this have the potential to cut your cooling costs significantly, but it can enhance the overall style of your home as well.

Curtains, blinds, and other internal window coverings can have a significant impact on how much heat you gain from the sun during the summer. Medium to dark-colored curtains and drapes, especially those with white backings, block sunlight and heat gain significantly and can also help to hold heat in during the cold winter months. Blinds and rolling shades also offer some protection against heat gain, though their effectiveness depends on a number of factors including color, material, and reflectiveness.

Regardless of the covering type you choose, they are typically most effective when closed on south or west-facing windows, since these are the most likely to get direct sunlight during the hottest parts of the day. However, closing the curtains or blinds on any window receiving direct sunlight can have at least some beneficial effect.

One of the big problems with using coverings such as curtains and shades to prevent heat gain during the summer is that they block light and visibility as well as heat. If you still want to be able to see through your windows and enjoy some natural sunlight while preventing heat gain, a low-E window film might be a better option to meet your needs.

Low-E films are mildly tinted plastic films that have reflective particles of metal or metal oxide in them, reflecting UV rays while still allowing for some natural light and visibility. Because the UV rays are reflected back out into the outside, they are not able to heat up the air inside of your home. While the effectiveness of low-E films can vary depending on the manufacturer, thickness of the film, and how well they are installed, it’s estimated that some low-E films can reduce summer heat gain from sunlight by as much as 70 percent or more.

There are a variety of other upgrades you can make to your home that will also help to block UV rays and prevent unwanted heat gain during the summer. Functional exterior shutters that can be closed during the heat of the day can make a significant difference in solar heat gain, blocking the sunlight from actually reaching your windows in the first place. Awnings installed over windows can also block some light and heat, while still allowing for some visibility. Exterior solar screens are also an option, blocking UV rays and increasing your energy efficiency while preserving some light and visibility as well.

How do you find qualified window covering companies?  Or what if you just want an interior designer to help you make it all look great? Just ask me for recommendations, after all I’m Jeff Howard – you’re Realtor for life.

Do you have a need for commercial / industrial / retail buildings or land? Are you ready to buy or sell a home? Do you want 3 cash offers? We can help you with all of that… just call us at 702 SELL NOW or click on this link to my website http://www.702SellNow.com

Choose to have an amazing day….Jeff

Your HVAC Estimate Checklist

Close your eyes a feel the rush of cool air coming from your air conditioning system.  Now imagine that cool air turning lukewarm, or worse, won’t kick on at all? Oh no it may be time to get that ailing HVAC system replaced.

Talking to an HVAC professional about an air conditioning replacement can be intimidating. There’s a lot to know, and it’s probably not going to be cheap. But considering that a typical air conditioning unit lasts 10 to 15 years, what you invest today will help pay for itself in the longer term. That being said, it’s still important to know what to ask and the pitfalls to watch for.  The following should be your checklist.

Always Ask About Licensing and Insurance

Before you so much as let someone start to quote your HVAC job, ask about their licensing and insurance status. Not only will this save you a ton of time by weeding out anyone who isn’t actually a practicing professional, you’ll avoid issues that can arise if, for example, your HVAC is installed without a permit, or there’s a jobsite accident without proper coverage. HVAC installers should always be licensed according to your state and local guidelines.

Your installer should also carry the proper insurance policies. For example, a comprehensive policy will protect you should there be damage to your property as a result of a mistake made during the installation. And Workers Compensation insurance can also help by protecting you from being held liable should your HVAC workers have an accident on the job. Be aware that small shops don’t always carry Workers Compensation because of rules on who can be insured, so if your installer doesn’t carry Workers Compensation, be sure to get a liability waiver.

Your HVAC Estimate

As far as the estimate itself is concerned, there are several questions you should ask right up front. These questions and their answers should also be included on the estimate itself, as it serves as a sort of informal contract on the job you’re having done. Make sure you’ve hit these points:

  1. What’s the brand and SEER rating of the unit that will be installed? (Seasonal Energy Efficiency Ratio. This is the ratio of the cooling output of an air conditioner over a typical cooling season, divided by the energy it uses in Watt-Hours. It may also be called a Seasonal Energy Efficiency Rating.) If you’re having both your furnace and air conditioner replaced, ask about the fuel type and efficiency of the furnace, as well. If you’ve got a standard heating and air conditioning system, this is your opportunity to switch to something a bit more energy efficient, like a heat pump, so be sure to ask if there are other options that can use your existing ductwork.
  2. What size is the unit that will be installed? Make sure to note the size of the unit you’re having removed and how well it worked during its service. A single like-for-like replacement unit should be the same size if the performance was good, or should be adjusted slightly depending on your actual needs. Note that you will need a matching A-coil if you change air conditioner sizes without changing your furnace, too.
  3. Will you need ductwork? Ductwork can usually be reused, but as it gets older it can develop damage, come apart, or rust through, depending on the materials and conditions it’s subjected to. If any amount of ductwork is being replaced, make sure to have this noted and broken out in the estimate, because ductwork costs can add up fast. On the other hand, this is also a great time to add additional registers or cold air returns in older homes to help improve efficiency.
  4. What other things will be done while they’re working? HVAC companies do more than just install heating and air conditioning units. They can remove old furnaces left behind in crawl spaces, clean your ductwork, install smart thermometers, or provide you with electrostatic filters, just to name a few. If any of this work is being done, have it included in the estimate and later ensure it was completed as promised.
  5. Is there a warranty? Most importantly, make sure you have all the details on any warranties offered. Most HVAC systems will come with warranties on the individual parts, as well as a separate warranty on labor. This information can be extremely useful should your air conditioner need unexpected repairs, like a replacement control board or compressor.

How Do You Find Qualified HVAC People?  Well of course you ask me to recommend a couple of companies, after all I’m Jeff Howard – you’re Realtor for life.

Do you have a need for commercial / industrial / retail buildings or land? Are you ready to buy or sell a home? Do you want 3 cash offers? We can help you with all of that… just call us at 702 SELL NOW or click on this link to my website http://www.702SellNow.com

Choose to have an amazing day….Jeff

Barn Doors have moved to Cities and Suburbs

Barn doors in an apartment or a modern home – outrageously wonderful!  They are so versatile and can be used in every room in different ways.

They are one of the most sought-after features for homes of all styles. Whether you want an attention-grabbing entry, a space-saving solution, or an attractive way to divide rooms, there’s a sliding barn door appropriate for your home.

Here is a great idea for small apartments.  A very savvy apartment dweller used a set of sliding barn doors to separate the bedroom from the living space in her New York City apartment. When opened they cover two hidden closets.

In an open-concept home, large sliding barn doors can be used to create a little privacy as needed, without permanently closing off the rooms. High windows on the door design allow for light to pass between the rooms.  What you need to find is an interior rolling barn-door hardware kit – the kits are sold in most hardware stores and Home Depot and Lowes.

Inside the kitchen of an older home the owners replaced old swinging doors to the pantry with a set of sliding barn doors. They included the hardware to add even more character. If you have a narrow kitchen, with a fully loaded grid of open shelves and cabinets, they can disappear behind a sliding barn door.

In a small space where every single inch counts, sliding barn doors come in handy. A well installed sliding barn door offers great space economy for whatever room you use it in. Of course, you need to have enough adjacent wall space for the barn door to slide over when it is opened. But this is often preferable to similarly space-saving pocket doors that require much more work to install or remove.

A friend of mine installed a one in front of her stairs, to reduce the noise coming from downstairs (her stairs were enclosed on both sides).

Another advantage of sliding barn doors is their support system. Sliding barn doors use a track for movement. The entire weight of the door is therefore distributed along the length of the track. This allows for the installation of heavier-than-usual doors without affecting stability of ease of movement. For places that need more security but are limited in space, a heavy sliding barn door would work just fine.

One small disadvantage of sliding barn doors is that they may not close as quietly as traditional doors. But a good contractor should be able to install it in such a way that noise is reduced to a minimum.

There is also, of course, the aesthetics side of the sliding barn door craze. Some sliding barn doors have this rustic outdoorsy feel that creates a stunning contrast when indoors. This contrast is especially noticeable when styled in a worn, rustic design that makes it seem like it was taken right from the barn outside and installed inside.

Do you have a need for commercial / industrial / retail buildings or land? Are you ready to buy or sell a home? We can help you with that, safely… just call us at 702 SELL NOW or click on this link to my website http://www.702SellNow.com

Choose to have an amazing day…. Jeff

Modern Countertops Need Modern Materials

When you and your friends walk into your kitchen, the first thing everyone sees is the countertop.  And they can make a big difference in how your kitchen looks overall. If you are thinking about refreshing the look of the kitchen, updating your countertops is a great way to revitalize the look. There are several materials used in modern countertops that will help your kitchen stand out. Here are just a few options to consider if you really want to give things a modern look.

Soapstone
Stone surfaces have long been a favorite material for kitchen countertops, but soapstone has come into its own in recent years. It’s heat and stain resistant like granite, non-porous (and thus liquid resistant), and has a softer texture than you’ll find with many stone surfaces. Just be careful, there are two different materials that are sometimes called soapstone; one of these is talc, this surface will not be what you want. The soapstone that you want to get is steatite, which fortunately is much more common when shopping for countertop materials.

Leathered Granite
Granite has been probably the most popular counter surface for years. It has always had the drawback of being a porous material, meaning you have to be careful with spills. Leathered granite solves this problem while giving the classic stone a modern update as well. The surface of the granite is slightly roughed by diamond-tipped brushes, enhancing the stone’s natural color while cutting back on some of the shine and closing those infamous pores. The end result is a durable stone countertop with a unique look and a slight texture that really does feel similar to leather.

Engineered Quartz
Like granite, quartz has been used as a countertop material for years. What’s the deal with engineered quartz? Unlike traditional quartz countertops, these are made with ground quartz mixed with resins to create a very hard and natural-looking surface. Colors can be added to create tints to match a wide range of decorating styles. Engineered quartz resists staining, corrosion, and damage from most cleaners. Just keep in mind that, like natural quartz, these countertops can still be damaged by heat.

Solid-Surface Acrylics
There are a few different brands of solid-surface acrylic countertops available, notably including Corian and Swanstone. These countertops mix acrylics with resin to create a stain-resistant surface that’s available in a wide range of colors, and that can be sanded to repair scratches or other small bits of damage. More importantly, the man-made nature of these countertops means that they can be easily customized to meet the specific needs of your home. Their main drawback is that they tend to be vulnerable to heat damage, given that they are made of plastic.

Concrete
Over the last several years, concrete countertops have become very popular in modern kitchens. They can be made on-site to ensure that they match your unique kitchen perfectly, and their dense nature means your countertops can take a beating without suffering much damage. Textures, acid-stained colors, and more can be added to the countertops during the creation process, and additives or sealants can significantly reduce the porosity of the concrete itself. These countertops do occasionally have issues with cracking, though modern methods have reduced this significantly. Even when they do crack, however, most concrete countertops can be repaired on-site.

Your kitchen would look new and refreshed with any of these suggestions. Go ahead, try one!

Do you have a need for commercial / industrial / retail buildings or land? Are you ready to buy or sell a home? Do you want 3 cash offers? We can help you with all of that… just call us at 702 SELL NOW or click on this link to my website http://www.702SellNow.com

Choose to have an amazing day….Jeff

Would you like to have a spa-like bathroom?

Don’t you just love an invigorating shower?  Well then it may be time to consider a renovation to an expanded shower or a remodel of the entire bathroom.

One of the biggest trends in the last few years is to eliminate the tub and have a nice size walk-in shower.  You can have a bench and shelves for shampoo and body wash.

Then there are the options of shower heads.  The rain head is very popular, or you can have a normal showerhead, body spray hand held, plus you can combine two or three.  The groupings are endless (well not really endless, you know what I mean).

The entire process for the shower replacement takes about three weeks.  Most of the work is done off premises and then the ripping out of the tub and installation in your master bathroom should take about two days.

Now you are ready to put in a freestanding tub and I know that the claw foot tubs are quite popular. If you are going to replace the sinks experts suggest going with rectangular sinks as they look more modern and are larger.

Renovating the master bathroom is a good investment.  When you want to sell your home it adds money to the asking price, as long as the style is broadly appealing.

There are many companies that remodel bathrooms from just the shower to a total makeover.  Feel free to call me – Jeff “Vegas” Howard, your Realtor for life as I have a list of professional and reputable firms for you to consider.

Do you have a need for commercial / industrial / retail buildings or land? Are you ready to buy or sell a home? We can help you with that, safely… just call us at 702 SELL NOW or click on this link to my website http://www.702SellNow.com

Choose to have an amazing day…. Jeff

2 Big Things Happening for Las Vegas Today (and another certainly worth mentioning)

First, Clark County School District is having an online Town-hall meeting today. This is supposed to begin at 4:30 and run for an hour; it’s all about the 2020-21 school year. The public is able to ask questions in advance. For details, click this link. If you have kids enrolled in a CCSD school, I’m sure you’ll want to watch this.

Second, The Vegas Golden Knights return to training camp today and NHL play is scheduled to start August 1 to potentially October 2. The hockey on television, with six games a day available early on in the process, will be an incredible spectacle. For more details, click this link.

Vegas Golden Nights NHL team
That’s my son and I at a game at T-Mobile arena

Notable; If you miss live theatre as much as I do, you will want to know that tonight, as well as Sunday 7/19 & Monday 7/20, the Las Vegas Little Theatre will present “The Quarantine Monologues”. It will only be presented on-line and is a collection of original monologues themed on the COVID-19 pandemic and its effect on our lives. There were almost 90 submissions from all over the country and 15 monologues were selected to be performed. The list of monologues being performed as well as how to enjoy it can be found right here.

Live Theatre returns to Las Vegas (or theater if you prefer)

Do you have a need for commercial / industrial / retail buildings or land? Are you ready to buy or sell a home? We can help you with that, safely… just call us at 702 SELL NOW or click on this link to my website 702SellNow.com

Choose to have an amazing day….Jeff

Maximizing Your Kitchen Space

The kitchen is the heart of the home and now that we are all home more than we used to be, it serves basically as the center of operations for most families,  which means it is probably the most trafficked area of your home. The kitchen should be functional and appealing plus well planned out.

The following are tips on how to have a kitchen that works for you and your family:

  1. Kitchen islands help enhance the kitchen in many different ways.  They help define the space the kitchen plus they also give you additional work and dining areas.  Many families like to change it up when it comes to eating meals adding bar stools to the kitchen island and gives a bar-like feeling to many dining experiences. If your house does not have room for a large island, you can buy smaller ones that are on wheels from many retailers.
  2. Extendable tables provide flexibility without have to put in table leafs.  All you have to do with an extendable table is lift and slide with a base table that expands.  Very good for projects you give the kids to do and still be in the same room.
  3. Eat-in kitchens have a very wide appeal with all types of families – couples, singles, and families with kids.  It is more casual than going into the dining room and is more highly functional.  You can figure out what type of table fits your needs better… a round or rectangular table.  The kind of materials the table is made of is also important – you want something that is easy to clean.  Glass tops are very popular, they create a sense of lightness.
  4. Lighting in the kitchen is important and chandelier lighting both sensible and esthetically pleasing.  Putting it on a dimmer is great for giving the room atmosphere.
  5. Mirrors and artwork help add a finishing touch to the space as they do in other areas of your home.
  6. You should think about a timeless look with a soothing color palette.  Many people go for white, taupe and grey a very neutral color scheme.  If you like more color try soft yellow or add a splash of red orange or even green – the colors found in nature.

Real estate is still being bought and sold.  Safety is our top priority.  The Jeff Howard Group will make a one-on-one appointment with you when you want to visit a property in person and we use masks, gloves and booties and of course social distancing.  Meetings can be done via Zoom or another platform, signing can be electronic and many homes have virtual tours set up for you to see – if they don’t, I can go and take a video for you.

Do you have a need for commercial / industrial / retail buildings or land? Are you ready to buy or sell a home? We can help you with that, safely… just call us at 702 SELL NOW or click on this link to my website http://www.702SellNow.com

Choose to have an amazing day….Jeff

no foolin’ – I Got 3 months of Fender Play online guitar lessons for FREE (and you can too!)

There’s no catch! You don’t even have to give them a credit card number! Start learning guitar, bass and/or ukulele at home via your smartphone or computer today. Don’t have an instrument? Post on Nextdoor or Facebook to see who has one collecting dust (someone does… I guarantee it). Just make sure you sanitize it well before using it. And there’s even an app you can download that helps you magically tune your instrument!

Guitar  Image credit: William Iven from Pixabay

The current global situation has many people with a lot of spare time on their hands. To take their minds off of the current situation, many people are turning to music to help keep their spirits up. Surely, you’ve watched videos of various professional and amateur musicians entertaining themselves and others. So why not ensure this forced downtime is as productive as possible and learn a musical instrument? Worried about disturbing the rest of the house? That’s why this instrument is perfect! It’s not the drums or a trumpet! I took an old guitar into a bedroom and closed a door while my girlfriend was studying something new online in another room that she had always wanted to learn… she said I did not bother her at all.

According to this report from Fender, there are so many benefits to learning and playing the guitar; from reducing stress and inspiring creativity, to boosting your immune system, to help stave off Alzheimer’s disease. (their words, not mine).

Image credit: Kevin McIver from Pixabay

When this offer first hit the streets, Fender had limited the number of free subscriptions available to just 100,000. In an amazing demonstration of generosity, they’ve just increased the offer to 500,000. If you or a loved-one missed out the first time, don’t let it pass you by this time.

Fender Play features an ever-increasing bounty of easy-to-follow, instructor-guided videos to help new musicians get underway, as well as developing players who are a little further along on their musical journey. I took 1 guitar lesson here in Las Vegas a few years back and found Fender’s online instruction much easier to follow

“How do I get started?”, you ask? Just visit fender.com/playthrough to redeem your code. Once you have your code you can download the app via Google Play or the App Store and sign into your account. You can also sign into Fender Play via web/desktop.

Image credit: Lubov_ph from Pixabay

Learning songs is a fundamental part of musical development and, in addition to the lessons, the Fender Play library is packed with jam tracks by artists from America to ZZ Top, and there are current artists like Ed Sheeran, Sia and Shawn Mendes. If you’ve been looking for a new hobby or a way to get creative during the uncertain weeks and months ahead, the Fender Play app could be the virtual music teacher you’ve been waiting for.

Hopefully there will be a few silver linings come out of this global pandemic, and if the world has more musicians, I happen to think that would be amazing!

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Choose to have an amazing day….Jeff