Home Maintenance for Your Hardwood Floors

One of the best and biggest investments in your home – is the flooring.  Take care of your hardwood today and it will last generations.  If you have any updating questions – curious which updates bring more value to your home?  Contact The Caton Team – we’re happy to help!  -Sabrina

How To Care for Your Hardwood Floors

Hardwood is one of the oldest flooring materials and is still considered one of the best. Hardwood floors are natural, beautiful, and durable, especially if you maintain them. With good maintenance, they will last longer, look better, and add value to your home.

Make daily dusting and sweeping, with a scratch-free cloth or broom, part of your daily maintenance routine. When you need to vacuum hardwood, be sure to use the soft brush attachment, never the rotating brush roll, or as it’s known in older vacuums, the beater bar. Then, as needed, mop with the wood floor cleaning product recommended for your floor’s type and finish.

Wood floors need a protective finish. Unfinished wood floors require finishing with a protective sealer immediately after installation. Factory-finished floors are sanded, sealed, and ready to use right out of the box. If you have solid hardwood, you may need to add a finishing coat every few years, or eventually sand and refinish decades down the road. If you have engineered hardwood, which is a veneer, sanding and refinishing may be an option one-time only, depending on the thickness of the veneer.

Tips for Cleaning Your Hardwood Floors

  • Use only wood floor care products; never use vinyl or tile cleaning products.
  • If you prefer a natural cleaner, like vinegar and water, do your research. Your floors must be well sealed, and the vinegar-to-water pH balance can’t be too acidic, and you must wipe the floors dry immediately.
  • Most experts advise that you don’t use water to wet or steam mop wood floors.

Tips for Protecting Hardwood Floors

  • Use felt or rubber protectors on the bottom of furniture legs and never drag furniture on wood flooring.
  • Use area rugs in high-traffic areas, in front of exterior doorways, as well as in front of the kitchen sink.
  • Remove shoes at the door, especially high heels or cleats.
  • Slow down fading by keeping direct sunlight off your floors. Use window coverings to redirect, diffuse, or block UV light. UV-resistant finishes are also available.
  • Keep dogs’ nails trimmed, or restrict them from hardwood areas.
  • Wipe up spills immediately; standing liquid can damage wood floors.

Tips for Scratches and Squeaks

  • For deep or surface scratches, touch up using a stain stick for wood that matches your floor’s finish.
  • For squeaky floors, if possible, it’s best to repair from underneath which may need to be done by a professional. There are products that include a combination of lubricant and powder, which you can try using on the surface between the planks, but effectiveness may be limited.

Homeowner Tips

I read this article HERE

Got Questions? The Caton Team is here to help.

Call | Text | Sabrina 650.799.4333 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Effective. Efficient. Responsive. The Caton Team 🏡  How can The Caton Team help You?

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| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third-party information not verified.

7 Things Every Homeowner Should Do Once a Year

Look how responsible you are

When you bought your house, there were a million and ten things you needed to do. (Hi, inspection, mortgage application and downstairs bathroom conversion.) But over the years, auto-pilot has set in, and those driveway pavers you always meant to replace are still staring you in the face. Stay on top of your home maintenance to-dos by making sure you tackle each of the following once a year.

Clean your gutters

Old frisbees. Dead leaves. Dead rodents. (Ew.) Nasty stuff can accumulate in your gutters, and keeping them clear is super important for getting snow and rain off that fancy new roof you just replaced. Here’s the best part: If you get them cleaned right now, you won’t have to think about them again until 2017.

Steam clean your carpets


Yes, you’re a hygienic person who generally doesn’t track gross stuff into her house. But over time, buildup has a way of accumulating–especially in snowy or dusty regions, or if you’ve got children or pets. Rent a steamer (or hire a professional), and relish in a pile that’s as plush and vibrant as the day you bought it.

Wash your windows… like, for real


Again, you’re probably already Windex-ing the inside of those suckers on a weekly or monthly basis. But the outsides need love, too. Most modern windows pivot inward, so you can wash the whole thing from inside your house. But if you live in an older building and can’t get to windows on the second or third floor, hire a gent with a squeegee and a ladder.

Empty all your drawers


OK, this one isn’t just for home owners, but anyone who lives in a house should really be in the habit of emptying and assessing every drawer one time per calendar year. Tackle it room-by-room, taking everything out, deciding if you really need it, then purging accordingly before neatly repacking.

Trim your trees

Next-door neighbor Frank hates when your sycamore cascades over his tool shed. Trim that puppy once a year for the health of your tree (a heavy bow is never a good thing) and, of course, your neighborly relations.

Schedule the exterminator


If you think you only need to talk to Larry the Roach Guy when you’ve actually got creepy crawlers, think again. Getting your house checked and treated preemptively for bugs gives you a much better chance of not finding something disgusting (or paying thousands of dollars for termite damage) down the road.

Check out an open house in the neighborhood

Even if you plan to live in your home until they take you out on a stretcher, it’s always a good idea to get a sense of the market. Plus, aren’t you dying to know what Kenny and Margaret did with that hideous wood-paneled rec room?  You know you want to.

I read this article HERE

Got Questions? The Caton Team is here to help.

Call | Text | Sabrina 650.799.4333 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third-party information not verified.

Is Artificial Grass Right for You?

Artificial grass has come a long way since AstroTurf first hit the playing fields (and maybe your grandmother’s patio). With the ongoing drought in the West, the new, improved artificial grass is becoming more and more popular for sunny, low-rainfall areas, as well as with pet owners, and people who are just tired of lawn maintenance. Today’s synthetic grass is colored and textured to look like various grass types, so you can likely get a look very similar to what you could grow naturally. It is not without its drawbacks, however. Artificial grass is not cheap. Installed costs can run from $10 to $20 per square foot. Compared to natural grass, it can take up to seven to eight years to recoup the initial cost of artificial turf. It isn’t easy to install either, so it might not be the best DIY project.

Best Uses for Artificial Grass

Artificial turf is a good solution if you have an area where grass simply won’t grow because conditions are shady or wet. Artificial grass is a popular option with dog owners for pet runs, or if you have multiple dogs that are wearing out your natural lawn. Artificial greenery is also a great option for places like a small patio or outside space. It also works great for defined shapes within a yard where real grass edges can be tough to mow and keep weed-free.

Pros:

  • No need to water your lawn
  • No weeding or mowing
  • No need for fertilizers or pesticides
  • Looks very similar to natural grass: soft, even, and green
  • Does not get muddy or rutted (and keeps your house cleaner)

Cons:

  • Expensive
  • Needs to be cleaned off with water and sanitizing agents (more frequently if you have dogs)
  • Not easily recycled
  • Heats up in direct sun
  • Banned by some homeowners associations and municipalities

artilawn

The Bottom Line

If you love the look of green grass and plan to be in your house for a while then it’s worth considering an artificial lawn. For pet owners, it can be a great solution, but remember it can’t absorb and break down pet urine, so it will require washing (which does take water). Although it’s not maintenance-free, it certainly requires less maintenance than real grass. Remember to check with your city or HOA about their rules for artificial grass.

I read this article HERE

Got Questions? The Caton Team is here to help.

Call | Text | Sabrina 650.799.4333 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Effective. Efficient. Responsive. The Caton Team 🏡  How can The Caton Team help You?

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Get exclusive inside access when you follow us on Facebook & Instagram

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third-party information not verified.


Home Repair No-Nos: Repair Tips for Every Homeowner

Are you a first-time homeowner? Have you purchased a new-to-you home? Either way, you have a lot to do. When you’re starting out as a new homeowner, it can be hard to know the right things to do and NOT to do when it comes to home maintenance, cleaning, and general upkeep. Here is some guidance to help you know what not to do.

New Homeowner No-Nos – Inside

Sealants

Needlessly applying sealant to surfaces can permanently discolor stone, concrete, and glass, to name a few. Never use sealant on natural materials like quartz, plastic materials like laminates, or commercial acrylic products such as Formica and Corian. Generally, most materials will not need reapplication of sealants very often. Instead, test surfaces using water to check if it’s time to reseal. For example, if water on a kitchen countertop no longer beads, it may be time to reapply.

Drain Cleaners

Chemical drain cleaners contain active ingredients that can damage plumbing. Drain cleaners may seem like easy, short-term fixes for clogs, but they can lead to long-term, costly problems. And the chemicals in drain cleaners are just plain bad for the earth. Instead, invest your money in a good plunger, a drain snake for tougher clogs, and if those plumbing tools don’t work, call a plumber.

Glass Cleaners

Here’s a little-known consequence to spraying commercial glass cleaner on mirrors:  The liquid can seep into the backing on many types of mirrors, leading to discoloring around the edges of the mirror over time and irreparably damaging the backing. Instead, simply dampen a microfiber cloth with warm water and immediately apply a dry cloth to remove excess water.

Bleach

Bleach is actually damaging to most elements and materials found in use in homes. Do not use bleach to clean sealants on granite and other stone surfaces, vinyl, linoleum, and laminate materials, colored grout, enamel, or acrylic surfaces in a bathtub. Never mix bleach with cleaners that contain ammonia! Doing so produces highly dangerous and toxic vapors. Instead, use a vinegar solution. Nothing is better or healthier for cleaning most surfaces in your home.

New Homeowner No-Nos – In and Out

Caulk

Using the wrong caulk can be damaging. That’s because there is a right caulk for the kitchen, bath, gutters, brick or concrete, mortar, and so on. The wrong caulk won’t adhere, or will breakdown, allowing moisture to seep in, or compromise the surface you’re caulking. Instead, ask your local hardware specialist for advice on buying the right caulk for your project.

Tools

Invest in well-made tools for your new home – a hammer, screwdriver set, ladder, and maybe a mower. Avoid buying inexpensive, knock-off brands even if you’re on a budget – they are not made to last. Instead, for budget-conscious homeowners, visit yard sales and look for used tools from quality brands, or start slow with a basic toolbox and build up your set over time.

New Homeowner No-Nos – Outside

Mulch

For your first landscaping project, do not over-mulch. Too much mulch can suffocate plants and prevent water from reaching roots. Instead, add mulch to no deeper than three inches.

Ivy

It may look charming, but ivy will keep growing. Eventually ivy will spread under a home’s siding or shingles, damage their integrity, and ultimately cost you, either in replacing siding, providing entry points for invading pests, or both! Instead, research how and where to thoughtfully plant ivy. A quick web search can also provide better alternatives for plants to safely grow along the base of your home. Note: Plants need to be placed two feet minimum away from the foundation.

Trees

Planting trees close to a home may look nice when the trees are young, but they grow, too! You need to consider the room that baby tree will need at maturity. Trees planted without thought to full height can grow roots that push up through your driveway, sidewalk, and foundation. Instead, plant each tree according to its height and root spread at full maturity. The Arbor Day Foundation has a handy tree spacing guide to help you ensure adequate clearance from your home, fencing, and so on.

Firewood

Do not store firewood right outside your home against exterior walls, otherwise you will invite termites and other pests into your home. Instead, keep firewood at least twenty feet from your home, or further if your property provides room to do so. Better to take a small hike out to the wood pile than let pests make an easy hike into your new home.

I read this article HERE

Got Questions? The Caton Team is here to help.

Call | Text | Sabrina 650.799.4333 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Effective. Efficient. Responsive. The Caton Team 🏡  

How can The Caton Team help You?

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

Get exclusive inside access when you follow us on Facebook & Instagram

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third-party information not verified.

How to Maintain Your Washer and Dryer

The washer and dryer are convenient home appliances that make your life easier. All you have to do is put your clothes in and they come out clean, right? Not quite. Similar to other places in your home that are meant for cleaning, such as your kitchen sink or shower, your washer, and dryer are breeding grounds for bacteria that, without regular maintenance, can leave your clothes dirtier than they were before you put them in. If you’re not cleaning your machines, they may not be cleaning as efficiently or as thoroughly as you might think. Take these simple steps to get the most out of your washer and dryer.

Don’t get hosed

Washing machine hoses are prone to damage, as the rubber can dry and crack over time, leading to a burst. Check your water hoses regularly for leaks or bubbles, and keep in mind that most manufacturers recommend replacing rubber hoses every two years. Routinely check your dryer vent hose to be sure that it is not kinked or bent in a way that can restrict airflow. Not only can a bent hose limit the flow of air out of the dryer, it can increase the risk of lint building up in the hose. If your dryer vent hose is made of vinyl or plastic, replace with a rigid or flexible metal vent hose, as vinyl or plastic hoses can be a fire hazard.

Disinfect

Your standard laundry detergent is not enough to keep your washer clean and germ-free. Routinely disinfect it by running a clothes-free wash cycle with hot water and a cup of bleach. Not only will this disinfect your washer, it will help to remove soap buildup and keep your clothes smelling fresh.

This load is just right

Plan your loads carefully and aim to wash full loads without overfilling. A load that is too small will cause you to use more water to wash all of your dirty clothes and cut down on the life of your washer. However, a load that is too large means your washer will not clean as effectively and will cause your dryer to use more energy to dry everything. Aim to find that perfect balance for your machines.

Filter it out

Dryers need their lint trap cleaned after each load. When a lint trap is full, your dryer will require additional time to dry clothes and won’t be able to catch the lint from the new load. If left unattended too long, the lint buildup can be sucked into the ventilation system and may block airflow.

I read this article HERE

Got Questions? The Caton Team is here to help.

Call | Text | Sabrina 650.799.4333 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Effective. Efficient. Responsive. The Caton Team

🏡  How can The Caton Team help You?

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Get exclusive inside access when you follow us on Facebook & Instagram

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third-party information not verified.

How 3 Recent Bank Failures Could Impact Housing Market – From Realtor.com

The collapse of Silicon Valley Bank and others may drive mortgage rates lower, says NAR Chief Economist Lawrence Yun.

The demise of three banks last week has been sending shockwaves through an already fragile economy. Could it have an impact on real estate, too?

“The Silicon Valley Bank failure, along with a few other banks, means that the Federal Reserve cannot be so aggressive in raising its short-term interest rates,” says Lawrence Yun, chief economist of the National Association of REALTORS®. “Therefore, mortgage rates will decline.”

Mortgage rates had been steadily rising in recent weeks, with the 30-year fixed-rate loan averaging 6.73% last week, according to Freddie Mac. The Fed has been making a series of aggressive rate increases, which may indirectly influence mortgage rates, over the last few months. Home buyers have been up against affordability woes, as mortgage rates are nearly double what they were just a year ago.

But as of Monday, mortgage rates had fallen about 50 basis points lower than last week. Yun says that when there is a panic in the financial market, investors often shift money toward safer assets, which tends to be U.S. Treasury notes and bonds. Mortgage rates lately have tended to follow the movement of Treasury yields, which are falling.

“So, a panic in a sense leads to an automatic stimulus to the economy from lower interest rates,” Yun says in public comments on LinkedIn. “The housing sector nearly always responds to falling mortgage rates, especially when there are job additions to the economy.” And if rates do head lower, more home buyers undoubtedly would still enter the housing market in response, he adds.

Bank Failures Spark Panic

Last Friday, the shutdown of Silicon Valley Bank became the second largest bank failure in U.S. history and the largest since the 2008 financial crisis. The bank was known as a large supporter of tech startups. About 15% of the loans in Silicon Valley Bank’s portfolio were residential and commercial mortgages, The Real Deal reported. Signature Bank and Silvergate Capital, both big lenders in the cryptocurrency space, also shuttered their doors.

To help avoid mass panic, the Federal Reserve, Federal Deposit Insurance Corp. and Treasury Department created an emergency program to backstop all deposits using the Fed’s emergency lending authority. That granted depositors full access to their funds as of Monday, and the agencies vowed to make all depositors whole. Usually, banks only insure up to $250,000 per account ownership category through the FDIC, an agency that was created in 1933 after thousands of bank failures. In this case, the federal government’s move to backstop uninsured money has been viewed as an unusual step.

President Joe Biden has been offering assurance to Americans that banks are safe. He vowed on Monday to “strengthen oversight and regulations of larger banks so that we are not in this position again.”Meanwhile, the bank failures may be a sign of trouble ahead for the tech industry. “Some businesses reliant on funding from Silicon Valley Bank [and others] may lack capital to continue its business or have to cut back,” Yun says. There could be some job losses ahead as a result, especially among some California tech companies, he adds. Local housing markets may be hampered by those job losses. But “broadly across the country,” Yun says, “more home buyers will enter the market [because of] lower mortgage rates.”

SOURCE

Got Questions? The Caton Team is here to help.

Call | Text | Sabrina 650.799.4333 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out at your convenience for a personal consultation. Please enjoy our free resources below and get to know our team through our clients’ words. Testimonials

HOW TO SELL | HOW TO BUY

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Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, or concerns, or need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text, or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina | LinkedIn Susan

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

dThe Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third-party information not verified.

2023 Housing Market Forecast – shared article

SOURCE

If you’re thinking about buying or selling a home soon, you probably want to know what you can expect from the housing market this year. In 2022, the market underwent a major shift as economic uncertainty and higher mortgage rates reduced buyer demand, slowed the pace of home sales, and moderated home prices. But what about 2023?

An article from HousingWire offers this perspective:

“The red-hot housing market of the past 2 ½ years was characterized by sub-three percent mortgage rates, fast-paced bidding wars and record-low inventory. But more recently, market conditions have done an about-face. . . . now is the opportunity for everyone to become re-educated about what a ‘typical’ housing market looks like.”

This year, experts agree we may see the return of greater stability and predictability in the housing market if inflation continues to ease and mortgage rates stabilize. Here’s what they have to say.

The 2023 forecast from the National Association of Realtors (NAR) says:

While 2022 may be remembered as a year of housing volatility, 2023 likely will become a year of long-lost normalcy returning to the market, . . . mortgage rates are expected to stabilize while home sales and prices moderate after recent highs, . . .”

Danielle Hale, Chief Economist at realtor.comadds:

“. . . buyers will not face the extreme competition that was commonplace over the past few years.”

Lawrence Yun, Chief Economist at NAR, explains home prices will vary by local area, but will net neutral nationwide as the market continues to adjust:

After a big boom over the past two years, there will essentially be no change nationally . . . Half of the country may experience small price gains, while the other half may see slight price declines.”

Mark Fleming, Chief Economist at First American, says:

“The housing market, once adjusted to the new normal of higher mortgage rates, will benefit from continued strong demographic-driven demand relative to an overall, long-run shortage of supply.” 

Bottom Line

If you’re looking to buy or sell a home this year, the best way to ensure you’re up to date on the latest market insights is to partner with a trusted real estate advisor.

The Caton Team is here to help. Our Silicon Valley Market is unique, so if you’re thinking of buying or selling – let’s chat about your options.

Got Questions? The Caton Team is here to help.

Call | Text | Sabrina 650.799.4333 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out at your convenience for a personal consultation. Please enjoy our free resources below and get to know our team through our clients’ words. Testimonials

HOW TO SELL | HOW TO BUY

 How can The Caton Team help You?

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

Get exclusive inside access when you follow us on Facebook & Instagram

HOW TO SELL during COVID-19HOW TO SELLHOW TO BUY during COVID-19- HOW TO BUY MOVING MID PANDEMICTRUST AGREEMENTS and HEALTH CARE DIRECTIVESOUR TESTIMONIALS

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pintrest | LinkedIN Sabrina | LinkedIN Susan

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.

3 Time Management Tips That Actually Work

written by JAMES CLEAR

Time management can be tough. What is urgent in your life and what is important to your life are often very different things.

This is especially true with your health, where the important issues almost never seem urgent even though your life ultimately hangs in the balance.

  • No, going to the gym today isn’t urgent, but it is important for your long–term health.
  • No, you won’t die from stress today, but if you don’t get it figured out soon, you might.
  • No, eating real, unprocessed foods isn’t required for you to stay alive right now, but will reduce your risk of cancer and disease.

Is there anything we can do? If we all have 24 hours in a day, how do we actually use them more effectively?

And most importantly, how can we manage our time to live healthier and happier, do the things that we know are important, and still handle the responsibilities that are urgent?

I’m battling with that answer just like you are, but in my experience there are three time management tips that actually work in real life and will help you improve your health and productivity.

Time management tips

1. Eliminate half-work at all costs.

In our age of constant distraction, it’s stupidly easy to split our attention between what we should be doing and what society bombards us with. Usually we’re balancing the needs of messages, emails, and to-do lists at the same time that we are trying to get something accomplished. It’s rare that we are fully engaged in the task at hand.

I call this division of your time and energy “half-work.”

Here are some examples of half-work…

  • You start writing a report, but stop randomly to check your phone for no reason or to open up Facebook or Twitter.
  • You try out a new workout routine. Two days later, you read about another “new” fitness program and try a little bit of that. You make little progress in either program and so you start searching for something better.
  • Your mind wanders to your email inbox while you’re on the phone with someone.

Regardless of where and how you fall into the trap of half-work, the result is always the same: you’re never fully engaged in the task at hand, you rarely commit to a task for extended periods of time, and it takes you twice as long to accomplish half as much.

Half-work is reason why you’re able to get more done on your last day before vacation (when you really focus) than you do in the 2 weeks previous (when you’re constantly distracted).

Like most people, I deal with this problem all of the time and the best way I’ve found to overcome it is to block out significant time to focus on one project and eliminate everything else.

I pick one exercise and make it my only focus for the entire workout. (i.e. “Today is just for squats. Anything else is extra.”)

I carve out a few hours (or even an entire work day) to deep dive on an important project. I’ll leave my phone in another room and shut down my email, Facebook, and Twitter.

This complete elimination of distractions is the only way I know to get into deep, focused work and avoid fragmented sessions where you’re merely doing half-work.

How much more could you achieve if you did the work you needed to do, the way you needed to do it, and eliminated the half-work, half-wandering that we fill most of our days with?

2. Do the most important thing first.

Disorder and chaos tend to increase as your day goes on. At the same time, the decisions and choices that you make throughout the day tend to drain your willpower. You’re less likely to make a good decision at the end of the day than you are at the beginning.

I’ve found that this same trend holds true in my workouts as well. As the workout progresses, I have less and less willpower to finish sets, grind out reps, and perform difficult exercises.

For all of those reasons, I do my best to make sure that if there is something important that I need to do, then I do it first.

If I have an important article to write, I grab a glass of water and start typing as soon as I wake up. If there is a tough exercise that I need to do, then I do it at the beginning of each workout.

If you do the most important thing first, then you’ll never have a day when you didn’t get something important done. By following this simple strategy, you will usually end up having a productive day, even if everything doesn’t go to plan. If you actually do the most important thing first each day, it is the only productivity tip you’ll ever need.

3. Reduce the scope, but stick to the schedule.

I’ve written previously about the importance of holding yourself to a schedule and not a deadline. There might be occasions when deadlines make sense, but I’m convinced that when it comes to doing important work over the long–term, following a schedule is much more effective.

When it comes to the day-to-day grind, however, following a schedule is easier said than done. Ask anyone who plans to workout every Monday, Wednesday, and Friday, and they can tell you how hard it is to actually stick to their schedule every time without fail.

To counteract the unplanned distractions that occur and overcome the tendency to be pulled off track, I’ve made a small shift in how I approach my schedule. My goal is to put the schedule first and not the scope, which is the opposite of how we usually approach our goals.

For example, let’s say you woke up today with the intention of running 3 miles this afternoon. During the day, your schedule got crazy and time started to get away from you. Now you only have 20 minutes to workout.

At this point, you have two options.

The first is to say, “I don’t have enough time to workout today,” and spend the little time you have left working on something else. This is what I would usually have done in the past.

The second option is to reduce the scope, but stick to the schedule. Instead of running 3 miles, you run 1 mile or do five sprints or 30 jumping jacks. But you stick to the schedule and get a workout in no matter what. I have found far more long-term success using the this approach than the first.

On a daily basis, the impact of doing five sprints isn’t that significant, especially when you had planned to run 3 miles. But the cumulative impact of always staying on schedule is huge. No matter what the circumstance and no matter how small the workout, you know you’re going to finish today’s task. That’s how little goals become lifetime habits.

Finish something today, even if the scope is smaller than you anticipated.

Time Management Tips That Actually Work

There are thousands of time management apps and productivity gadgets. You’ll find more calendars, reminders, and task lists than you know what to do with. But in my experience, the most effective and practical time management tips are simple.

When it comes to living a healthy and productive life, I do my best to focus on three time management tips…

  1. Eliminate half-work and focus deeply.
  2. Do the most important thing first.
  3. Stick to your schedule and build the habit, no matter how small the accomplishment.

How have you managed your time better and accomplished more at work, at home, or in the gym? Let us know YOUR Tips!

SOURCE MINIMALISM PROCRASTINATION PRODUCTIVITY SELF-IMPROVEMENT

Got Questions? The Caton Team is here to help.

Call | Text | Sabrina 650.799.4333 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out at your convenience for a personal consultation. Please enjoy our free resources below and get to know our team through our clients’ words. Testimonials

HOW TO SELL | HOW TO BUY

 How can The Caton Team help You?

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

Get exclusive inside access when you follow us on Facebook & Instagram

HOW TO SELL during COVID-19HOW TO SELLHOW TO BUY during COVID-19- HOW TO BUY MOVING MID PANDEMICTRUST AGREEMENTS and HEALTH CARE DIRECTIVESOUR TESTIMONIALS

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pintrest | LinkedIN Sabrina | LinkedIN Susan

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.

Savings Strategies to Help You Reach Your Goals

Hello Friends! Thank you Ryan Dang of Wells Fargo for these tips:

No matter what you’re saving for, these strategies will help you get there.
– Set a Timeline. I.e. “By 2026, I will save $20,000 for a down payment on a home.
– “Calculate a monthly savings amount for each goal.
– Add the total monthly savings goals into your budget.
– Consider budget shifts to accommodate the new goals.
– Set up automatic deposit to your savings account.
– Aim to transfer at least 10% of each paycheck.
– Consider saving accounts that earn interest.

For short-term savings goals, consider low-risk accounts. These earn compound interest with higher APY.

– High-Yield Savings Accounts — Pays up to ten times the interest rate offered by traditional accounts.
– CDs (Certificate of Deposit) — Must leave funds in for full-term to avoid early withdrawl penalties in most cases.
– Money Market Accounts — Interest rates vary with the market.How long should you save for?

Savings Goal Duration
Emergency Fund Short-term
Vacation Short-term
Down payment Short-to-mid term
Education Mid-term
Retirement Long-term

Got Questions? The Caton Team is here to help.

Call | Text | Sabrina 650.799.4333 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out at your convenience for a personal consultation. Please enjoy our free resources below and get to know our team through our clients’ words. Testimonials

HOW TO SELL | HOW TO BUY

 How can The Caton Team help You?

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

Get exclusive inside access when you follow us on Facebook & Instagram

HOW TO SELL during COVID-19HOW TO SELLHOW TO BUY during COVID-19- HOW TO BUY MOVING MID PANDEMICTRUST AGREEMENTS and HEALTH CARE DIRECTIVESOUR TESTIMONIALS

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pintrest | LinkedIN Sabrina | LinkedIN Susan

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.

Email Fraud and how to Prevent It

No one ever thinks wire fraud will happen to them, but the fact is, one in three real estate transactions will be targeted by a fraudster. How can you protect yourself from becoming a statistic?

Watch out for impersonation. In one of the most common forms of fraud, hackers pretend to be somebody else and send false instructions to infiltrate your transaction. These emails may appear authentic, using similar domain names and imagery such as logos.

Tip! Emails from your Escrow Officer WILL have their company name as the email. Realtors may not – so it is best to SAVE ALL Contact info in your device so you know it is the correct email and phone.

Follow wiring instructions. Read wire instructions carefully and review them with your escrow officer. Tip! Always verify the wire instructions by calling a trusted number. Never send your financial information over unsecured email.

Look out for common email tells. Subtly different email domains, misspellings, and last-minute changes may all be signs of fraud.

Hover over links or attachments before clicking to verify the source. Independently verify phone numbers, program the title company’s number in your phone and only accept calls from that number.

If something seems suspicious… If you receive a message to change wiring instructions…

Call your escrow officer at an independently verified phone number and confirm.

Defend your email. Fraudsters gather information about transactions by watching emails behind the scenes. Security measures such as multi-factor authentication can make it more difficult for hackers to force their way into your account.

My 2 Cents – SAVE YOUR CONTACTS! Use a photo or emoji to know that they are the one calling or emailing you and that it IS from the correct source. If something feels off – Call Your Realtor or your Escrow Officer Directly.

Thank you First American Title for this info.

Got Questions? The Caton Team is here to help.

Call | Text | Sabrina 650.799.4333 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out at your convenience for a personal consultation. Please enjoy our free resources below and get to know our team through our clients’ words. Testimonials

HOW TO SELL | HOW TO BUY

 How can The Caton Team help You?

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

Get exclusive inside access when you follow us on Facebook & Instagram

HOW TO SELL during COVID-19HOW TO SELLHOW TO BUY during COVID-19- HOW TO BUY MOVING MID PANDEMICTRUST AGREEMENTS and HEALTH CARE DIRECTIVESOUR TESTIMONIALS

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pintrest | LinkedIN Sabrina | LinkedIN Susan

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.