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Real Estate Agents Agree: These Are the Top Home Features Buyers Always Look For – Shared Article

Key Points

Elevated, stylish designs beat traditional or overly personal features.

Buyers prioritize natural light, outdoor space, and charm.

Practical features like mudrooms and soundproofing are also important.

I read this article HERE. By Sarah Lyon

Not all home features are created equal: There are some that will majorly stand out to prospective buyers and others that may seem promising yet will ultimately fall by the wayside. Today’s buyers, real estate agents tell us, are especially focused on properties that offer plenty of natural light, outdoor gathering spaces, and lots of character and charm, among other features.

Read on to learn more about the six features—some of which are a bit unexpected—that three agents notice buyers focusing in on time and time again.

Meet the Expert

Lauren Auresto is a real estate agent with Better Homes and Gardens Real Estate Gaetano Marra Homes.
Cy Karrat is a real estate agent with Dallien Realty.
Allison Freeman is a real estate agent with The Premier Property Group.

Natural Light

Natural light is priceless, quite literally, and it majorly stands out to home buyers, agents say. “It’s amazing how often buyers walk into a home and instinctively exhale when sunlight pours through large windows,” says Lauren Auresto, a real estate agent with Better Homes and Gardens Real Estate Gaetano Marra Homes. Cy Karrat, a real estate agent with Dallien Realty, agrees, and says that when his buyers are transitioning out of dark apartments, the presence of abundant natural light in particular becomes a top priority in their home search.

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Outdoor Living Spaces

Sometimes, it’s not only about what’s inside a home—a property’s outdoor features play a significant role in wooing buyers, too. The pandemic really revived backyard living, Auresto says, and ample outdoor space is key for many. “Buyers light up at the sight of a thoughtfully designed outdoor space,” she says. To really make an outdoor area great, she adds, ensure it’s equipped with privacy, good lighting, and WiFi.

Shallow Pools

While pools are more popular in certain areas of the country over others, they can still definitely be a selling point. But these days not just any type of pool will do, says Allison Freeman, a real estate agent with The Premier Property Group. Prospective buyers are partial to shallow pools made for sports and lounging as opposed to more traditional deeper pools.

Character and Charm

character-filled living room with fireplace — Credit: Erin Williamson Design

You may think that buyers want every inch of a home to be perfect, but in reality, what people often really crave is a bit of character, Auresto says. “They’re tired of cookie-cutter new builds and love details that add soul,” she says, highlighting features like built-in bookshelves, window seats, and statement lighting as instant winners among prospective buyers.

Freeman feels similarly, adding that charm is also a major part of the equation. “We live on social media,” she says, so “whether it’s decor, natural light, or a charming exterior, ‘cute’ sells.”

Keep in mind that there’s a big difference between character and personalization, though. Auresto says that sellers need to remember to steer clear of too much of the latter to ensure that any buyer will be able to envision creating their own life in your home.

Noise Level

Peace and quiet is at the top of many people’s lists. When a buyer is touring a condo building or townhouse in particular, noise levels may be one of their top concerns, Karrat says. “Many want to know how well the building is insulated, and whether they’ll hear footsteps upstairs or noise from neighboring units,” he says.

Functional Mudrooms

mudroom with cabinet and hooks — Credit: Design by Jessica Nelson / Photo by Carina Skrobecki

Today’s buyers are all about the practical, and when they see a well-designed mudroom, they’re likely to fall head over heels for it, says Auresto. “Once an afterthought, these functional spaces have become a quiet luxury,” she says. Bonus points for mudrooms equipped with hooks, drawers, charging stations, and even laundry bins, she says. “It’s not glamorous, but it’s the kind of feature that makes a house functional.”

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We Asked Designers What All Welcoming Homes Have in Common—And We Wish We Thought of This Sooner – Shared Article

Key Points

Layer lighting and display personal accents to make the space feel welcoming and lived-in.

Pair function and style with a console table, art, and simple storage for an inviting entryway.

Use greenery, soft textures, and cohesive decor to add warmth and balance.

I read this article HERE. By Ashlyn Needham

Maybe it’s the stage of life I’m in now, where I’m a homeowner, but I love how intentional it seems everyone is making their home’s design. Beautiful entryways are my love language, and I love those that set the tone for the rest of the house as soon as you walk in.

Creating an entryway that feels cozy and inviting starts with knowing the rules. After speaking to a few designers, I learned that there are a few things all welcoming homes have in common.

Here are six ways you can make your entryway feel more welcoming to make a statement about your home that’s reflective of you.

Meet the Expert

Morgan Blinn is the Lead Designer at Rumor Designs in Steamboat Springs, Colorado.
Yvonne Harty is a luxury interior designer at Harty Interiors in Sacramento, California.

Balancing Beauty and Function

things all welcoming homes have in common — Credit: Desiree Burns Interiors

Like most people, you want the entrance of your home to make an impressive statement for guests when they arrive, but also an area that you can use. Entryways come in handy to quickly stow your shoes, coats, mail, or other odds and ends as soon as you enter.

After all, you live there! That’s why Yvonne Harty, interior designer at Harty Interiors, says to embrace the “lived-in look” for a welcoming entry that feels like home.

“Welcoming homes aren’t perfect showcase homes where everything is staged beautifully,” she says. “Instead, they feel lived-in and collected with furniture pieces placed to encourage conversations.”

What are the best collected furniture pieces to showcase beauty and function? Harty says a console table with a large piece of art or mirror, decor, and fresh flowers goes a long way in this space.

“A welcoming home starts with a step through the front door,” Harty says. “Entryways are a great opportunity to wow guests and instantly make them feel welcome.”

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A Streamlined Design

While you’re embracing the casual glamour of everyday living, don’t forget to make the overall design streamlined. Morgan Blinn, lead designer at Rumor Designs, recommends choosing pieces that are cohesive in nature so everything feels curated and tied together.

“A well-curated entrance features practical, minimal pieces for a welcoming first impression,” she says.

You don’t have to showcase luxurious accent pieces or expensive furniture, but make sure all the pieces complement each other to define the space.

Greenery

A simple way to make a home feel welcoming and cozy is with some greenery. Setting a plant or two in your entryway along a table or on a shelf, maybe even in decorative planters tucked in the corner, goes a long way in design.

“Adding greenery instantly energizes a space, enhancing empty corners, shelves, and entryways,” says Blinn. “For those without a green thumb, high-quality faux plants work just as well.”

And it’s an easy way to add color naturally to the room!

Soft Textures

One thing you’ll notice in welcoming homes is the soft textures that feel natural and cozy.

Harty says, “Texture and natural materials instantly add warmth and make a home more inviting. It’s important in design to balance the room.”

She suggests layering your entryway with materials like linen, leather, or natural wood.

“Think soft rugs, pillows, throw blankets, table linens, window treatments, decor, or fresh flowers. Your guests won’t want to leave!”

Layered, Decorative Lightning

Decorative lighting is the perfect piece to make a statement, elevate your style, and make your home welcoming functionally—and Harty says it’s the most underrated design detail in most homes.

“Layer lighting with ambient, task, and accent lighting, warm light bulbs, wall sconces, and lamps sprinkled throughout the home,” Harty says. “This will definitely create a cozy and welcoming atmosphere. This way, different types of lighting can be chosen based on the time of the day or mood.”

Personal Touches

Lastly, what truly makes a home feel welcoming and inviting when guests first step in is a home that reflects you.

According to Harty, heirloom furniture pieces, artwork, family photos, or travel mementos make a home feel lived-in and encourage conversations. Thrift or antique stores are the best places to find items that resonate with your personal style or the look you’re trying to achieve in your entryway.

It’s also a great place to find a variety of items you and mix to create a design that’s unique to your home.

Whatever you decide to showcase as your personal touches, Blinn to definitely adopt the “less is more” philosophy.

“Focus on ambient lighting, touches of personality, and creative elements while maintaining an uncluttered space,” she says. “Clearing away excess decor that creates visual chaos is essential for creating a peaceful, inviting space.”

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Time Management Tips for the Holiday Season – Shared Article

I read this article HERE. By Jennifer Weinberg

Does anyone else feel like once October hits, the rest of the year speeds by? Between fall festivals, client appreciation events, open houses, and prepping for the holidays, it’s easy to feel like you’re running on autopilot. The busy season in real estate doesn’t really stop—it just changes shape. And before you know it, Thanksgiving and the new year are right around the corner.

Let’s start with the most important step: setting expectations early—before your calendar fills up completely.

Set Expectations Early

Take a look at your calendar and break down your work, social, family, and community commitments for the next few months. You may have to pass on a few things—and that’s okay! Prioritize what matters most and let go of the rest. Communicate with your colleagues, clients, and loved ones when priorities overlap. For example, if you’re waiting on a client’s offer while attending your child’s fall concert, let the other agent know the best way to reach you.

Time Block Your Work Hours

Designate specific blocks of time for business activities—and protect them. Resist the urge to move or shorten those hours unless something truly brings you joy, business, or both. Your time blocks might shift week to week, but maintaining consistency will help you stay on track. And remember: even during the holidays, active transactions and prospecting remain top priorities.

Set a Timer for Tasks

Once you’ve blocked your work hours, make them count. Set a 15-minute timer, silence distractions, and tackle one task at a time. You’ll be amazed at how much you can accomplish when you’re laser-focused. Most of the time, the task takes less effort—and less time—than you expect.

Batch Your Gift Giving

If you batch your social media content, you already know the value of planning ahead. Use the same approach for holiday gifting. Pick one homemade or easy-to-assemble gift—like chocolate bark, spiced nuts, or banana bread—make it in bulk, and package it for teachers, colleagues, neighbors, and clients. You’ll save time and still give something thoughtful.

Reflect and Reset

The final months of the year are a great time to reflect on what worked, what didn’t and what you want to do differently next year. Schedule time for review and rest—you’ve earned it.

What are your go-to strategies for staying balanced and productive through the year’s busiest months?

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Home Prices Keep Rising: 10 Markets Seeing the Sharpest Increases – Shared Article

Record-high housing wealth continues, with the majority of the nation’s metros posting home price increases in the third quarter. Find out where prices are climbing the most.

I read this article HERE. By: Melissa Dittmann Tracey

Home prices continue to climb—good news for homeowners but a growing challenge for home buyers. Seventy-seven percent of the nation’s 230 metro markets saw home prices rise in the third quarter, edging up slightly from 75% in the second quarter, the National Association of REALTORS® latest quarterly report showed on Thursday.

Nationally, the median price for a single-family existing home reached $426,800, up 1.7% from a year earlier.

“Prices continue to rise, contributing to record-high housing wealth,” says Lawrence Yun, NAR’s chief economist. In the last five years alone, homeowners have gained an average of $140,900 in wealth, previous NAR research shows. That growing equity is fueling a wave of cash buyers, now at record levels—accounting for 30% of all home sales in September alone, according to NAR.

Yun notes that the highest home price increases in the third quarter tended to be where for-sale inventory is tightest, notably in the supply-constrained Northeast, as well as several markets in the Midwest, where home prices tend to be more affordable.

NAR’s report showed the following metros posted the largest year-over-year median price increases in the third quarter:

Trenton, N.J.: up 9.9% year-over-year
Lansing-East Lansing, Mich.: up 9.8%
Nassau County-Suffolk County, N.Y.: up 9.4%
New Haven-Milford, Conn.: up 9%
New York-Jersey City-White Plains, N.Y.-N.J.: up 8.1%
Manchester-Nashua, N.H.: up 8%
St. Louis, Mo.-Ill.: up 7.9%
Bridgeport-Stamford-Norwalk, Conn.: up 7.8%
Toledo, Ohio: up 7.7%
Cleveland-Elyria-Ohio: up 7.7%

The Regional Winners—and Where Prices Are Slipping Somewhat

Overall, in the Northeast, single-family home prices jumped 6% in the third quarter compared to a year ago, reaching a median of $540,100. The Midwest followed with a 4.2% annual median home price increase to $331,100.

On the other hand, home price increases were more modest, at 0.5%, in the South, reaching a median of $372,800, while the West saw a slight 0.1% decline, bringing its median price to $633,900.

Overall, 23% of the 230 metro areas analyzed by NAR recorded price drops in the third quarter—slightly fewer than the 24% in the prior quarter.

“Price declines are occurring mainly in southern states, where there has been robust new home construction in recent years,” Yun says. “Given the region’s faster job growth, these price drops should be viewed as temporary and as a second-chance opportunity for those previously priced out of the market.”

Affordability Still a Major Hurdle for Buyers

As home prices climb, buyers are stretching their budgets further to achieve homeownership. Mortgage rates, which started the year around 7%, have eased into the mid-to-low-6% range—offering some relief but not enough to fully offset rising prices.

In the third quarter, the monthly mortgage payment on a typical single-family home (with a 20% down payment) was $2,187—down 2.8% from the second quarter but still 2.2% higher than a year ago, NAR’s data shows.

First-time home buyers, lacking the equity from a previous sale, are being hit the hardest. According to NAR’s newly released 2025 Profile of Home Buyers and Sellers report, their share of the market has fallen to 21%, the lowest level since NAR began tracking in 1981. Prior to 2008, first-time buyers consistently comprised 40% of home sales. But limited inventory and steep affordability hurdles have pushed many to the sidelines.

“The historically low share of first-time buyers underscores the real-world consequences of a housing market starved for affordable inventory,” noted Jessica Lautz, NAR’s deputy chief economist, about the association’s latest findings.

For those first-time buyers who are able to complete a purchase, the financial strain is becoming clear. The typical starter home, which NAR places at $362,800 in its data, now carries a monthly payment of $2,146 (based on a 10% down payment)—up $45 from a year ago. First-time home buyers are devoting 37.4% of their household income toward their monthly mortgage payments—a level most financial analysts consider “cost burdened.”

10 Most Expensive Housing Markets

Coastal areas out West continue to command some of the priciest real estate in the nation. The following metros were the highest-cost housing markets in the third quarter compared to 2024, according to NAR’s latest report:

Bridgeport-Stamford-Norwalk, Conn.: $844,900, up 7.8%

San Jose-Sunnyvale-Santa Clara, Calif.: $1.9 million median; up 0.8% year-over-year

Anaheim-Santa Ana-Irvine, Calif.: $1.4 million; up 0.1%

San Francisco-Oakland-Hayward, Calif.: $1.3 million; up 0.5%

Urban Honolulu, Hawaii: $1.1 million; down 0.9%

Salinas, Calif.: $1 million; up 6.3%

San Diego-Carlsbad, Calif.: $1 million; 0% change

Los Angeles-Long Beach-Glendale, Calif.: $954,100; up 0.7%

Oxnard-Thousand Oaks-Ventura, Calif.: $935,700; down 1.2%

San Luis Obispo-Paso Robles, Calif.: $931,800, down 1.9%

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Mortgage rate averages break monthlong streak of weekly declines after Fed meeting stokes uncertainty – Shared Article

By Moira Ritter| I read this article HERE.

The 30-year, fixed-rate loan averaged 6.22%, according to Freddie Mac.

Homes in University Heights, Ohio. (Edward Debono/CoStar)

The monthlong mortgage rate downturn has come to an end.

As of Thursday, the 30-year, fixed-rate mortgage averaged 6.22%, according to mortgage giant Freddie Mac. It’s the first weekly increase in the measure since the first week of October. Even so, this week’s average is still lower than the same time a year ago, when the 30-year mortgage averaged 6.79%.

The 15-year, fixed-rate mortgage followed suit, rising to an average of 5.5% in the week ended Thursday. That’s higher than last week, but lower than a year ago, when it was 6%.

It was a similar story with daily mortgage rates, which typically show greater fluctuations than weekly averages.

As of Thursday, the 30-year, fixed-rate mortgage had fallen to 6.29%. It’s an example of just how volatile the measure is: On Wednesday, daily mortgage rates were near a two-month high. The 15-year, fixed-rate mortgage had also decreased compared to the previous day. It was at 5.82% as of Thursday.

The mortgage market is starting to show cracks

The last week has been a volatile one for the mortgage market.

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It started after the Oct. 29 Federal Reserve meeting, when the bank’s chairman, Jerome Powell, cast doubt on the chances that the Fed would cut the key interest rate again in December. While the Fed doesn’t set mortgage rates, its decisions and prognostications influence investor decisions that send ripple effects through the broader market.

So, when Powell said something that didn’t match up with market expectations last week, it sent investors scrambling, ultimately pushing mortgage rates higher.

What started as slight upward pressure on daily measures of mortgage rates has turned into a weeklong trend, though, and it’s been made worse by recent data about the economy.

Remember: The mortgage market is heavily affected by economic data. With the federal government still shut down, there’s been a lack of official data from government agencies. That said, other sources have taken on an outsized importance.

On Wednesday, ADP released data about the private-sector job market. That report revealed that private employers added 42,000 jobs in October. The 42,000 figure isn’t so important to mortgages — what is key is that the markets didn’t expect there to be that many job additions. Wednesday also brought data about the strength of the services sector. That report, too, was stronger than expected.

While that’s generally a good thing for the economy at large, it’s not so good for mortgage rates, explained Matthew Graham, chief operating officer of Mortgage News Daily.

“Rates tend to benefit from economic weakness,” he wrote in a Wednesday blog post. “As such, when reports are stronger than expected, it pushes rates higher, all else equal.”

Even with the recent shakeup, it’s important to consider the bigger picture: Mortgage rates are still lower than they were earlier this year and at this time last year.

That said, homeowner demand for refinances has more than doubled since last year, according to data from the Mortgage Bankers Association. Purchase applications, too, are up from a year ago.

Writer Moira Ritter

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NAR Members Sound the Alarm on the Effects of the Government Shutdown – Shared Article

I read this article HERE.

Responses from more than 600 real estate professionals describe the negative effects of closing crucial housing, loan and insurance programs offered through FHA, HUD, VA and NFIP.

On Oct. 22, a few weeks into the federal government shutdown, the National Association of REALTORS® issued a Call For Information to its full membership to take the pulse on the ramifications for real estate professionals and their clients.

Unlike a traditional Call For Action (CFA), which prompts members to simply click and send a message to their members of Congress, this request invited NAR members to share their own stories about how the government shutdown was impacting their clients, businesses and communities.

“What’s at stake for housing and homeownership nationwide is important for Americans to thrive and step into their dreams,” wrote one member. “Our government must reopen for the people.”

The response rate was remarkable: 641 members from all 50 states, Washington, D.C., and Puerto Rico submitted firsthand accounts, representing 386 local associations—about 35% of all associations nationwide. While engagement metrics differ from a one-click CFA, the volume and depth of these NAR member responses underscored the power of REALTORS® as trusted messengers on the front lines of the housing market.

The Call For Information shows:

35.6% of stories mention one of more federal housing programs, like the Federal Housing Administration (FHA), U.S. Department of Housing & Urban Development (HUD), Internal Revenue Service (IRS), National Flood Insurance Program (NFIP), U.S. Department of Agriculture (USDA), and U.S. Department of Veterans Affairs (VA).
The most frequently cited impacts were USDA, VA, NFIP/Flood Insurance and FHA.
There were over 60 stories highlighting hardship, family strain, or the domino effects of delayed transactions.
259 unique associations were represented in responses (approximately 24% of local boards)

Collapsing Deals, Low Morale

Perhaps unsurprisingly, most responses were from high-population states including Florida, Texas and California.

One North Carolina agent, who is a REALTOR®, explained that home sales are being delayed due to holdups in NFIP flood insurance renewals and USDA loan approvals, two essential programs for the state’s coastal and rural areas. In some North Carolina communities, almost every financed home purchase relies on one or both of these federal services. As a result, deals are collapsing, and families are losing the homes they’ve worked tirelessly to obtain.

The effects extend well beyond the housing market: Many North Carolinians, including military families and federal employees, are struggling to afford basic necessities, while local small businesses that depend on their spending are seeing steep drops in revenue. “The financial strain is real, the morale is low, and the longer this continues, the harder recovery will be for working families and small businesses alike,” the member reported.

Many other members reported similar experiences, with clients often feeling uncertain about the real estate market and experiencing a lack of consumer confidence. This uncertainty frequently led to stalled transactions, disrupting multiple deals, and affecting buyers, sellers, agents, lenders and contractors alike.

‘A Train Wreck’ for Escrows, Military Families and Local Businesses

“As a REALTOR®, I am seeing firsthand how the federal government shutdown is disrupting the housing market,” one member in California said. “As a NAR member, I want to help illustrate the real impacts the shutdown has had on my business, clients and community—such as delayed FHA, VA or conventional loans, especially without access to government flood insurance. Military families are being stifled by this shutdown, with delayed loans and added strain to their finances. This is a deterrent for our military service members who give their lives willingly to serve this country. Sellers are unsure about proceeding due to market volatility and concerns about affordability. So many buyers are being impacted as the buyer pool has diminished.”

The member continued: “Additionally, in California, obtaining flood insurance has become a major problem, so having sources available from the government has allowed us to close our escrows. However, without these options, due to the shutdown, it’s a train wreck for our escrows leaving us with delays and obstacles to struggle to get our escrows closed.”

Chipping Away at the Foundation

The shutdown may be centered in Washington, but its costs are being paid in every community across America.

“The National Association of REALTORS® urges Congress to come together and pass a clean, bipartisan continuing resolution or a long-term funding package to restore stability to the housing market and the broader economy. Every day that passes without action chips away at the foundation of the American Dream,” says Shannon McGahn, NAR executive vice president and chief advocacy officer.

Michael Rauber

Michael Rauber is manager of advocacy communications at the National Association of REALTORS®.

Content by Michael Rauber

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

10 Hottest Home Design Trends to Watch for 2025 – Did the Take Off? – Shared Article

Find out what styles are taking shape in home interiors and exteriors for the year ahead. With the year slowly coming in an end – did these trends take off?

Many different styles are influencing today’s home trends, from rounded walls and furnishings to traditional styles mixed in with bolder textures and colors. The home remodeling site Houzz recently released its 2025 home design predictions. Here’s what made their list as the top trends to watch for next year:

1. English-style kitchens

These cozy kitchens feature cabinets in rich woods as well as historical paint colors, such as moody blues and deep greens. “You’ll also find natural countertop materials, like soapstone and butcher’s block, as well as large range alcoves, wood ceiling beams and collected looks that appear pieced together over time,” the Houzz report notes.

Photo credit: John Keeble / Getty Images

2. Rounded furnishings

Gentle curves and rounded edges continue to be grounded in the popularity of organic modern styles. Expect to see more circular coffee and dining tables, finished off with cylindrical legs. Also, Houzz designers predict bulbous sofas and accent chairs and oblong mirrors.

Photo credit: Melissa Tracey

3. Arches

Fitting right in with the curvier home trend are arched walls and home accessories. Arches, in particular, are adding “a touch of playfulness and [helping to] soften harsh angles to generate a welcoming, cozy feel,” the Houzz report notes. Arches can be added to home doorways, windows, niches, cabinets and millwork details. Also, arched accessories, like arched mirrors, headboards and chairs, are bringing in scalloped silhouettes that hug spaces.

Photo credit: Melissa Tracey

4. Shower rooms

Showers have been featuring frameless glass enclosures, but homeowners looking for greater privacy are embracing a “shower room.” “This style of shower has a glass door leading into a fully enclosed space that creates an intimate, spa-like look and feel,” the Houzz report notes. “A shower room allows features that require a more sealed-in design, such as steam and sauna functions and aromatherapy and chromotherapy.”

5. Kitchen range alcoves

These range alcoves include a recessed or niche area—sometimes arched—and are often flanked by countertops and side walls. “This feature adds a substantial architectural element to a kitchen, creating a focal point and allowing for a natural stopping point for, and containment of, a striking backsplash design,” the Houzz report notes.

Photo credit: Erik Snyder / Getty Images

6. Woven and mesh cabinet fronts

“Woven and mesh details add texture and visual interest,” Houzz notes. “We’re seeing it frequently used to help break up expanses of cabinets, especially in kitchens.” It’s also being used in bathroom vanities, furniture and even window treatments. Designers say that natural woven materials can soften hard edges and provide a warm counterpoint to cold surfaces, creating more cozy and welcoming spaces.

Photo credit: Suchada Tansirimas / Getty Images

7. Narrow wet rooms

Wetroom bathrooms—typically a shower and tub in a spacious shower area—have grown in popularity in recent years. But wet rooms are now being added in smaller, narrower spaces, too. “Placing a tub at the back of a long room, with a separate shower in front, gives homeowners with tight spaces a wet room arrangement that looks and feels more luxurious than the standard shower-tub combo,” the report notes.

Photo credit: Ibrahim Akcengiz / Getty Images

8. Wood-infused architectural warmth

Adding “warmth” into an interior has become a popular buzzword in home design, marking a shift away from cool whites and grays. Color trends are moving more into off-whites, creams, beiges, tans and browns. “Paired with warm neutral palettes, earthy tones and organic colors, we’re seeing wood elements used as ceiling beams, trim, millwork, wall paneling, posts and cabinetry to add architectural warmth to spaces throughout the home,” according to Houzz’s report.

Photo credit: Melissa Tracey / 2024 New American Home

9. Layers of color, pattern and texture

Maximalist styles are layering in bold color, patterns and textures. The “design approach celebrates abundance and allows homeowners to furnish their homes with pieces that reflect their personalities,” Houzz notes. For example, grooved wall and ceiling paneling are being done in bold colors, and more patterns are entering everything from drapery and rugs to furniture and pillows.

Photo credit: Melissa Tracey

10. Multiple outdoor cooking options

Homeowners want more than just a grill for backyard dining. They’re increasingly using other outdoor cooking methods, such as pizza ovens, smokers, ceramic kamado-style barbecues and Argentinian-style gaucho grills that use wood or charcoal.

Photo credit: Melissa Tracey

I read this article HERE. By: Melissa Dittmann Tracey

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Planning for Long-Term Care Expenses – Shared Article

Long-term care (LTC) is a reality many people face as they age, yet few adequately prepare for its financial implications. While it isn’t always a pleasant situation to think about and can bring up a lot of emotions. Planning for LTC expenses is crucial to making sure you or your loved ones receive the necessary care without depleting assets.

Keep reading, and we will share the costs, funding options, and strategic steps to prepare for long-term care and make an informed decision for you and your family.

Why Planning for Long-Term Care is Essential

The average annual cost of a private room in a nursing home exceeded $100,000 in 2023, while assisted living facilities averaged $60,000. Home care services can also exceed $25 per hour. These are not small numbers and need to be planned for. Here are a few things to consider:

Longevity: As life expectancy increases, more individuals require extended periods of care.
Financial Risk: Long-term care expenses can drain retirement savings without a plan, leaving families financially vulnerable.
Peace of Mind: Early planning reduces stress and ensures access to preferred care options.

Understanding Long-Term Care Services

LTC includes a variety of services designed to help individuals with standard daily living activities, like bathing, dressing, and meal preparation. These services are generalized categorized as:

Home Care: Assistance provided in the individual’s home, ranging from part-time help to 24/7 care.
Assisted Living: Residential facilities offering everything from housing, meals, and assistance with daily activities.
Nursing Homes: Facilities providing round-the-clock medical care and assistance.
Memory Care: Specialized services for individuals with dementia or Alzheimer’s disease.

Each option comes with different price ranges and cost structures, making it important to evaluate which suits your needs and budget.

Factors Influencing Long-Term Care Costs

As mentioned above, the pricing structure will vary depending on the facility and care needed, here are a few factors that can influence the overall cost:

Location: Urban areas and high-cost states typically have higher care costs.
Type of Service: Skilled nursing facilities cost significantly more than basic home care.
Duration of Care: The average length of LTC for individuals is about three years, though it varies widely based on health conditions.
Inflation: Health care costs often rise faster than general inflation, impacting future care expenses.

Funding Options for Long-Term Care

Understanding how to fund long-term care is central to effective planning. Here are common options:

Personal Savings and Assets

Many individuals rely on personal savings, investments, and home equity.

Drawbacks: Rapid depletion of assets and potential inability to cover extended care.

Long-Term Care Insurance

Long term care insurance offers coverage for LTC expenses, including home care, assisted living, and select nursing facilities.

Benefits:
- Protects savings and assets.
- Offers flexibility in care options.
Considerations:
- Premiums can be costly and may increase with age.
- Policies often require medical underwriting, limiting access for those with pre-existing conditions.

Medicaid

Medic aid was a state and federally funded program for low-income individuals. It covers nursing home care and some home-based services.

Limitations:
- Requires spending down assets to qualify.
- It may limit access to certain facilities and services.

Medicare

This option covers limited LTC services, such as short-term skilled nursing care after hospitalization.

Not a comprehensive solution for long-term care needs.

Health Savings Accounts (HSAs)

Tax-advantaged accounts, such as HSA’s, can be used for qualified medical expenses, including some LTC costs. They are best suited for individuals who start contributing early as it follows you whenever you leave a job.

Hybrid Insurance Policies

Combine life insurance or annuities with long-term care benefits. Hybrid insurance policies offer payouts for long-term care or a death benefit if care isn’t needed.

Pros:
- Flexible use of funds.
- No “useless” premiums if care isn’t required.

Strategies to Plan for Long-Term Care Costs

Lanning for long term care requires some strategy and planning, but it is doable and should not be too stressful. Here are a few strategies to follow to make your long term care costs manageable and not have anything hit you or your family by surprise.

Start Early
- The earlier you plan, the more options you have.
- Younger individuals can secure long-term care insurance at lower premiums.
Evaluate Needs and Risks
- Assess family medical history and personal health to estimate potential care needs.
- Consider whether staying at home or moving to a facility aligns with your preferences.
Create a Budget
- Estimate future costs based on current care expenses and inflation.
- Include long-term care as a line item in your retirement budget.
Involve Family Members
- Discuss care preferences with family members to set expectations and align on potential caregiving roles.
- Clarify financial contributions from family, if applicable.
Explore Legal Protections
- Work with an estate planner to establish legal protections, such as trusts, to shield assets while qualifying for Medicaid.
- Consider appointing a financial power of attorney to manage assets if incapacitated.
Leverage Professional Advice
- Financial planners specializing in elder care can provide tailored solutions.
- Insurance brokers can help identify suitable LTC insurance policies.

Plan for Care

Planning for long-term care expenses requires foresight, financial discipline, and informed decision-making. By understanding all of the costs, exploring funding options, and adopting proactive strategies, you can secure quality care while protecting your financial future. Start planning today to ensure you’re prepared for the future.

I read this article HERE.

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

The Psychological Effects of Debt and How to Cope – Shared Article

So, you’ve found yourself in debt—and enough debt that you’re constantly worrying about it. Know that you’re not alone. As of the end of 2024, the average American household held an all-time high debt amount of $104,215. When everyone around you is in debt, it can become easy to normalize it. But debt can harm more than just your wallet; it can negatively impact your mental health as well.

Why Do People Get Into Debt?

People can get into debt for many reasons, good and bad. Some of the most common reasons are:

Keeping Up With the Joneses: With the rise of social media, now more than ever, comparing your life to those around you is inevitable. And when everyone seems to be going on vacations every few months, driving luxury cars, and always wearing the latest fashion trends, it’s easy to get swept up in spending just for appearances.
Debt to Advance Yourself: Not all debt is bad. Generally speaking, mortgages and student loans can be seen as “good debt” because they’re used to advance your life.
Necessary Resources: Sometimes, you must go into debt to acquire something you need for daily living or working, such as a car or a laptop.
Business Ventures: People who want to launch a business often have to get a loan to get it started.
Job Loss: Unexpected job loss can result in someone using credit or loans to pay their bills while they search for their next position.
Divorce: Divorce is expensive because of legal bills and the splitting of assets. This sudden change in finances can lead a person into debt as they adjust to their new normal.
Poor Financial Management: Not understanding the basics of finances, such as living within your means, can result in debt.
Easy Access to Credit: Having easy access to credit, especially at a young age when you may not understand interest, can lead to overspending.
Emergency Expenses: Without an emergency fund, an emergency expense can force you into debt.

The Role of Mental Health

And you can’t talk about debt without mentioning mental health. Your mental stability can greatly impact your ability to make responsible decisions. Some examples of mental health impacting your finances are:

Someone who is depressed might stop paying their bills on time, causing interest to accrue.
Shopping addiction is a real mental health condition that often causes the person to spend beyond their means.
Someone with bipolar disorder might max out all their credit cards when going through a manic episode.
An individual who suffers from substance abuse addiction might go into debt as they feed their cravings.
Individuals with dementia often forget to manage their bills, causing accounts to be sent to collections for repayment.

The Psychological Effects of Debt

Money can’t buy happiness, but not having enough money can surely bring on a host of mental health problems. It can feel all-encompassing when you have overwhelming debt and can’t see a way out. Some of the mental health effects of being in debt are:

Increased Stress: Worrying about your finances constantly is stressful. Prolonged stress can lead to many physical and psychological health problems.
Relationship Problems: One study found that 54% of people believe that a partner with debt is a valid reason for divorce. Financial stressors can lead to the breakdown of relationships with partners, friends, and family for various reasons.
Depression: Studies have shown there’s a direct correlation between financial stress and depression. Worst of all, it can feel like a never-ending cycle because some people cope with their depression by spending more.
Sleep Issues: You may struggle to fall asleep or sleep too much because you’re so worried about your finances.
Anxiety and Self-Esteem Issues: Those with debt can feel increased anxiety as well as decreased self-esteem. Both of these issues can lead to daily unhappiness.

How to Cope Mentally With Debt

Debt happens. Remember that your self-worth isn’t tied to your bank account. Still, staying in debt isn’t a solution either. As outlined above, even if your mental health isn’t suffering yet, there’s a good chance that psychological issues will arise the longer you maintain debt.

If you’re in debt, here are steps you can take to protect your mental health:

1. Make a Plan

Your debt will always feel overwhelming as long as it looms over you with no end in sight. You need to make a plan immediately on how you’ll become debt-free. There are lots of free resources available online that can help you walk through your options. (Tip: research the avalanche and debt snowball methods.)

No matter how long or slow the journey is, you can feel a huge sense of comfort knowing that you’re making progress. You’ll feel in control of your life again and empowered that you have what it takes to improve your financial situation.

2. Talk to Others

One of the biggest impacts debt can have on you is within your relationships. Maybe your partner doesn’t understand why you don’t talk as much to them about your feelings. Or, your family is upset with you for not coming on the next family trip. Or, friends don’t understand why you’re so depressed all the time. Your struggles with your debt can impact how you feel and interact with those closest to you. And if they don’t know what you’re going through, it can cause tension and even break ups.

Be open with those in your life. Tell them about your debt and your plans to pay it off. You’ll feel a huge sense of relief getting the secret off your chest. And your loved ones will be able to support you better as you make changes.

3. Seek Support

Being in debt can bring on many feelings of shame. You might be embarrassed that you got to this point and that you now have to make cutbacks. Even after opening up about your debt with loved ones, you might still feel all alone in this struggle.

Consider finding online support in debt repayment communities and forums. You’ll receive a lot of comfort in realizing just how common getting into debt really is. You’ll find solidarity in reading about other people’s stories. And, hearing how others got out of debt can be a great source of inspiration for you.

Your Financially Stable Future Awaits

You don’t have to live in debt forever. Getting out of debt can improve your life in so many ways. Not only will your debt-related mental health issues disappear, but you’ll have security and comfort knowing that you can afford to pay your bills. The hard work is worth it, so start making a change today.

I read this article HERE.

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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.

Top 25 Smart Home Innovations – Shared Article

As these technologies hit the market, they promise to transform homes into smarter, more sustainable spaces.

Here’s a curated list of the most exciting smart home solutions unveiled this year.

1. Airthings Renew

The Airthings Renew is an advanced air quality monitor that detects pollutants, temperature and humidity in real-time. Designed to integrate seamlessly with HVAC systems, it provides actionable recommendations for maintaining a healthy indoor environment. Its intuitive mobile app means users can monitor air quality from anywhere.

2. Anker EverFrost 2 Electric Cooler

Anker’s EverFrost 2 is a portable electric cooler designed for extended use without ice. Its high-capacity battery provides long-lasting refrigeration, making it a good choice for outdoor adventures and emergency situations. It’s energy efficient and compact in design, suitable for a variety of home sizes and types.

3. Eufy 3-in-1 E20 Vacuum

Eufy’s 3-in-1 E20 is a multi-functional home cleaning solution that combines vacuuming, mopping,and air purification. It offers powerful suction and intelligent navigation for efficient cleaning. The air purifier adds an extra layer of utility and ensures cleaner air in your living space.

4. Govee Table Lamp 2 Pro x JBL

Govee’s collaboration with JBL brings consumers the Table Lamp 2 Pro, a fusion of audio and lighting technology. The lamp features RGBIC lighting—a type of LED lighting that allows for multiple effects—synched with high-quality sound for immersive experience.

5. Reolink Duo 3 WiFi Camera

The Reolink Duo 3 WiFi Camera features a dual-lens system that provides a 180° panoramic view in 16MP resolution. Dual-band Wi-Fi 6 allows for smooth streaming and faster connections. The camera also includes motion detection and smart alerts to enhance home security by keeping homeowners informed in real time.

6. Lockly Vision Prestige

Lockly’s Vision Prestige smart lock integrates 3D facial recognition, a 2K video camera and Apple Home Key compatibility. Its dual-camera setup seamlessly monitors visitors and packages. Biometric and multi-access control options make it a secure and versatile solution for smart homes.

7. Aqara Panel Hub S1 Plus

Aqara’s Panel Hub S1 Plus acts as a central smart home command center with Matter and Zigbee compatibility. Its intuitive touchscreen interface simplifies managing multiple devices and routines. The hub integrates with various ecosystems, making it a flexible addition to any setup.

8. Flic Duo Smart Button

The Flic Duo Smart Button introduces intuitive control with customizable gestures and presses for over 30 commands. Compact and easy to use, this singular device lets users manage a range of smart home devices, from lighting to music.

9. Roborock Saros Series

The Roborock Saros Series combines advanced vacuuming and mopping features with AI-powered navigation. The OmniGrip robotic arm can remove obstacles, while VibraRise 4.0 technology goes to work on a deep cleaning. These intelligent robots redefine efficiency in home cleaning.

10. GE Lighting Reveal Bulbs

GE’s enhanced Reveal LED bulbs deliver vibrant, balanced lighting with improved energy efficiency. Their advanced phosphor blend highlights colors and textures in every room. Available in various shapes and sizes, these bulbs are set to hit the market later this year.

11. LIFX Luna

LIFX Luna is a lamp that offers dynamic color options and customizable lighting effects for tailored ambiance. It integrates with popular smart home platforms, allowing users to create personalized scenes. Its energy-efficient design ensures minimal environmental impact.

12. Ecobee Smart Thermostat Essential

Ecobee’s Smart Thermostat Essential combines affordability with smart climate control features. Integrated with voice assistants, the thermostat allows users to adjust temperatures remotely. Its energy-saving technology makes it a practical choice for cost-conscious homeowners.

13. Swann Doorbell Camera

Swann’s Doorbell Camera enhances home security with HD video and two-way audio. Its motion detection system alerts homeowners to visitors or potential intrusions. Easy installation and compatibility with existing security systems make it an accessible addition for many smart homeowners. The doorbell camera uses AI-driven SwannShield voice assistant technology, which adapts to your preferences, handles visitors and delivers personalized responses.

14. EcoFlow DELTA Pro 3

The DELTA Pro 3 portable power station has an output of 4,000W and an expandable storage capacity up to 48kWh. Features include quiet operation, fast charging and easy integration making it a viable choice for whole-home energy resilience. It’s a versatile solution for emergencies and daily use.

15. Kidde x Ring Smart Smoke Alarms

The collaboration between Kidde and Ring brings advanced smoke and CO detection to the smart home space. Real-time alerts through the Ring app and professional monitoring provided by Kidde enhance a home’s safety. The smoke alarms also promise faster and more precise detection, reducing false alerts while providing reliable protection.

16. ULTRALOQ Bolt Mission

The ULTRALOQ Bolt Mission smart lock uses ultra-wideband technology for precise, hands-free unlocking. Its Matter compatibility, NFC integration and voice control bring the future to consumers, today. Weather resistance and robust construction ensure durability and reliability.

17. Savant Proseo Shades

Savant’s Proseo Shades combine elegant design with advanced smart home integration. These window shades can be controlled via the Savant app or voice assistants. They add a touch of luxury while improving energy efficiency and privacy.

18. Ulticam IQ Floodlight Camera

Ulticam IQ combines edge AI technology with 2K video and dual floodlights for robust outdoor security. Its weatherproof design ensures durability in all kinds of climates, while customizable detection zones minimize false alerts. The camera also includes subscription-free, built-in storage for added convenience.

19. Honeywell Home X2S Thermostat

Honeywell Home’s X2S Smart Thermostat use-driven adjustments based on user behavior to enhance climate control. Its sleek interface and advanced sensors optimize energy use, and it is compatible with major voice assistants.

20. Mammotion Luba 2 AWD Robotic Mower

The Mammotion Luba 2 AWD offers homeowners hands-free lawn care with precise, boundary-free navigation. The mower’s four-wheel drive tackles slopes and uneven terrain, while app integration allows for operation from a smart device. Solar-powered charging enhances its eco-friendly design.

21. ThirdReality Keyboard with Matter Buttons

The ThirdReality Keyboard comes with programmable Matter-compatible buttons, ideal for property management. The system allows for simple, centralized control of lighting, security and HVAC systems. Its compact design and ease of use make it a hit for multifamily units.

22. SwitchBot Air Purifier and K20+ Modular System

SwitchBot’s air purifier offers filtration that captures 99.97% of airborne particles. It also integrates with the future-ready K20+ modular system, which allows users to add functions like humidification and scent diffusion, making it highly versatile. The purifier’s smart integration enables monitoring and control via an app for complete indoor air management.

23. Yarbo Modular Snow and Lawn Attachments

Yarbo introduced a modular robotic system with attachments for snow clearing, lawn mowing and leaf blowing. These battery-powered units adapt to seasonal needs, for an all-in-one solution for outdoor maintenance. With app control and GPS-based navigation, Yarbo simplifies yard care.

24. Lutron Caseta Smart Shades

Lutron’s Caseta Smart Shades provide luxury and functionality at an affordable starting price. These shades integrate with major smart home platforms and offer app or voice control for seamless operation. Their energy-efficient design enhances privacy while reducing energy costs.

25. reMarkable Paper Pro

The reMarkable Paper Pro bridges the gap between traditional note-taking and digital innovation. The paper-like display and advanced stylus technology is a good choice for managing schedules, jotting down ideas or even signing contracts. The lightweight, distraction-free design makes it a valuable tool for modern homeowners and professionals alike. The new pro version features millions of color ink particles, creating better saturation and depth.

CES 2025 emphasized the growing impact of smart home technology on modern living. From advanced energy management to innovative cleaning solutions, these products promise to offer significant improvements in convenience, efficiency and security.

I read this article HERE. By: Brandon Doyle

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

Meet the Expert

Natural Light

Don’t Miss

Outdoor Living Spaces

Shallow Pools

Character and Charm

Noise Level

Functional Mudrooms

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Meet the Expert

Balancing Beauty and Function

Don’t Miss

A Streamlined Design

Greenery

Soft Textures

Layered, Decorative Lightning

Personal Touches

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Set Expectations Early

Time Block Your Work Hours

Set a Timer for Tasks

Batch Your Gift Giving

Reflect and Reset

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The Regional Winners—and Where Prices Are Slipping Somewhat

Affordability Still a Major Hurdle for Buyers

10 Most Expensive Housing Markets

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The mortgage market is starting to show cracks

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Collapsing Deals, Low Morale

‘A Train Wreck’ for Escrows, Military Families and Local Businesses

Chipping Away at the Foundation

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1. English-style kitchens

2. Rounded furnishings

3. Arches

4. Shower rooms

5. Kitchen range alcoves

6. Woven and mesh cabinet fronts

7. Narrow wet rooms

8. Wood-infused architectural warmth

9. Layers of color, pattern and texture

10. Multiple outdoor cooking options

Got Questions? The Caton Team is here to help.

Berkshire Hathaway HomeServices – Drysdale Properties, Redwood City Ca.

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Why Planning for Long-Term Care is Essential

Understanding Long-Term Care Services

Factors Influencing Long-Term Care Costs

Funding Options for Long-Term Care

Strategies to Plan for Long-Term Care Costs

Plan for Care

Got Questions? The Caton Team is here to help.

Berkshire Hathaway HomeServices – Drysdale Properties, Redwood City Ca.

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Why Do People Get Into Debt?

The Role of Mental Health

The Psychological Effects of Debt

How to Cope Mentally With Debt

1. Make a Plan

2. Talk to Others

3. Seek Support

Your Financially Stable Future Awaits

Got Questions? The Caton Team is here to help.

Berkshire Hathaway HomeServices – Drysdale Properties, Redwood City Ca.

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1. Airthings Renew