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July 31, 2020

Housing Market Trending

Three of the Latest Reports Show Housing Market Is Strong

Three of the Latest Reports Show Housing Market Is Strong | MyKCM

The residential real estate market is remaining resilient as the country still struggles to beat the COVID-19 pandemic. Three separate reports recently revealed how the housing market is still showing growth. Here’s a look at each one.

1. Ivy Zelman’s Real Estate Broker Survey

The survey explains that purchaser demand remains strong:

“This month’s overall homebuyer demand rating…was easily the strongest sequential gain in our survey history…Strength continues to be led by the entry-level…While high-end demand is less robust in an absolute sense, there has also been relative improvement, with contacts attributing incremental improvement to the stock market’s rebound, record low mortgage rates and luxury customers trading out of high-priced cities.”

2. The National Association of Home Builders Housing Market Index

The index reveals that builder confidence has returned to levels last seen prior to the pandemic:

“In a strong signal that the housing market is ready to lead a post-COVID economic recovery, builder confidence in the market for newly-built single-family homes jumped 14 points to 72 in July, according to the latest National Association of Home Builders/Wells Fargo Housing Market Index (HMI). The HMI now stands at the solid pre-pandemic reading in March before the outbreak affected much of the nation.”

3. The realtor.com Housing Market Recovery Index

This index leverages a weighted average of four key components of the housing industry, tracking each of the following:

  1. Housing Demand – Growth in online search activity
  2. Home Price – Growth in asking prices
  3. Housing Supply – Growth of new listings
  4. Pace of Sales – Difference in time-on-market

It then compares the current status “to the last week of January 2020 market trend, as a baseline for pre-COVID market growth. The overall index is set to 100 in this baseline period. The higher a market’s index value, the higher its recovery and vice versa.”

The latest results came in at 101, with realtor.com explaining:

“The U.S. Housing Market has recovered from the immediate disruption caused by the COVID pandemic and returned to January 2020 growth levels.”

Bottom Line

Real estate brokers, home builders, and industry data all agree that the housing market has surged back to pre-COVID levels, showing growth, strength, and incredible resilience.

Posted in Market Updates
Feb. 10, 2020

Does Aging in Place make sense

Does “Aging in Place” Make the Most Sense?

Does “Aging in Place” Make the Most Sense? | MyKCM

 

A desire among many seniors is to “age in place.” According to the Senior Resource Guide, the term means,

 

“…that you will be remaining in your own home for the later years of your life; not moving into a smaller home, assisted living, or a retirement community etcetera.”

 

There is no doubt about it – there’s a comfort in staying in a home you’ve lived in for many years instead of moving to a totally new or unfamiliar environment. There is, however, new information that suggests this might not be the best option for everyone. The familiarity of your current home is the pro of aging in place, but the potential financial drawbacks to remodeling or renovating might actually be more costly than the long-term benefits.

 

A recent report from the Joint Center for Housing Studies of Harvard University (JCHS) titled Housing America’s Older Adults explained,

 

“Given their high homeownership rates, most older adults live in single-family homes. Of the 24 million homeowners age 65 and over, fully 80 percent lived in detached single-family units...The majority of these homes are now at least 40 years old and therefore may present maintenance challenges for their owners.”

 

If you’re in this spot, 40 years ago you may have had a growing family. For that reason, you probably purchased a 4-bedroom Colonial on a large piece of property in a child-friendly neighborhood. It was a great choice for your family, and you still love that home.

 

Today, your kids are likely grown and moved out, so you don’t need all of those bedrooms. Yard upkeep is probably very time consuming, too. You might be thinking about taking some equity out of your house and converting one of your bedrooms into a massive master bathroom, and maybe another room into an open-space reading nook. You might also be thinking about cutting back on lawn maintenance by installing a pool surrounded by beautiful paving stones.

 

It all sounds wonderful, doesn’t it? For the short term, you may really enjoy the new upgrades, but you’ll still have to climb those stairs, pay to heat and cool a home that’s larger than what you need, and continue fixing all the things that start to go wrong with a 40-year-old home.

 

Last month, in their Retirement Report, Kiplinger addressed the point,

 

“Renovations are just a part of what you need to make aging in place work for you. While it’s typically less expensive to remain in your home than to pay for assisted living, that doesn’t mean it’s a slam dunk to stay put. You’ll still have a long to-do list. Just one example: You need to plan ahead for how you will manage maintenance and care—for your home, and for yourself.”

 

So, at some point, the time may come when you decide to sell this house anyway. That can pose a big challenge if you’ve already taken cash value out of your home and used it to do the type of remodeling we mentioned above. Realistically, you may have inadvertently lowered the value of your home by doing things like reducing the number of bedrooms. The family moving into your neighborhood is probably similar to what your family was 40 years ago. They probably have young children, need the extra bedrooms, and may be nervous about the pool.

 

Bottom Line

Before you spend the money to remodel or renovate your current house so you can age in place, let’s get together to determine if it is truly your best option. Making a move to a smaller home in the neighborhood might make the most sense.

Feb. 6, 2020

536 Fairways Circle Creve Coeur 63141

https://my.matterport.com/show/?m=5Yhxen4ji8W

Posted in Market Updates
Jan. 7, 2020

Newsletter Jan 2020

https://newsletter.homeactions.net/archive/newsletter/15067/7848261/2070082

Jan. 7, 2020

Newsletter Jan 2020

https://newsletter.homeactions.net/archive/newsletter/15067/7848261/2070082

Dec. 29, 2019

When a House Becomes a Happy Home

When a House Becomes a Happy Home

When a House Becomes a Happy Home | MyKCM

We talk a lot about why it makes financial sense to buy a home, but more often than not we’re drawn to the emotional reasons for homeownership.

No matter the size or shape of a living space, the feeling of a home means different things to different people. Whether it’s a certain scent or a favorite chair, the feel-good connections to our own homes are typically more important to us than the financial ones. Here are some of the reasons why

1. Owning your home offers stability to start and raise a family

From the best neighborhoods to the top school districts, even those without children at the time of purchase may have this in the back of their minds as a major reason for choosing the location of the home they purchase.

2. There’s no place like home

Owning your own home offers not only safety and security, but also a comfortable place where you can simply relax and kick-back after a long day. Sometimes, that’s just what we need to feel re-charged and truly content.

3. You have more space for you and your family

Whether your family is expanding, an older family member is moving in, or you need to have a large backyard for your pets, you can take all this into consideration when buying your dream home, so the space truly works for you.

4. You have control over renovations, updates, and style

Looking to actually try one of those complicated wall treatments you saw on Pinterest? Tired of paying an additional pet deposit for your apartment building? Maybe you want to finally adopt that fur-baby puppy or kitten you’ve been hoping for. Who’s to say you can’t do all of these things in your own home?

Bottom Line

Whether you’re a first-time homebuyer or a move-up buyer who wants to start a new chapter in your life, now is a great time to reflect on the intangible factors that make a house a happy home.

Nov. 8, 2019

Fit Flavor Conquering your Sugar Cravings

 

Overcoming Sugar Addiction

As we all know, eating large amounts of sugar is anything but wholesome for the body, especially when refined or processed. Though, for whatever reason, we find it hard to resist these sweets and that’s truly because it is everywhere. Whether we are consuming sweet desserts, snacks or drinks, studies have finally shown that sugar is in everything. Not only is this the case, but it has been found to have actual addictive properties which makes it even harder to say no to them. Just like a person with a drug addiction, once we stop consuming sugar, our body immediately craves it. 

 

So how do we control these intense cravings? Just in time for the holiday season, we will teach you what’s actually going on in the body when we eat sugar and learn how to realistically control your addiction to it. 

 

What is Sugar? 

Processed (Refined) V. Natural (Unrefined) Sugar

Processed sugars are exactly what they sound like. They are smaller molecules of sugar that have been processed or broken down, allowing them to be absorbed into the blood at a very quick rate, shooting our blood sugar levels high. Examples of refined sugar include processed, white sugar, white flour, and fructose corn syrup.

 

On the other hand, natural sugar has been left in its raw form. Some great examples of natural sugar include honey, agave, and fruit. Typically, this type of sugar is much higher in fiber, water, and various nutrients such as antioxidants, phytonutrients, vitamins, and minerals. Compared to refined sugars, natural sugars have a much lower number on the glycemic index scale. This means that natural sugar has less of an immediate impact on the bloodstream and slows down the typical “crashing” effect processed sugar delivers. All in all, if we’re going to sweeten anything we eat, choose this type of sugar. 

 

Is All Sugar Created Equal?

As you could have guessed, not all sugar is created equal. This is because the simplicity of the structure of a sugar molecule determines how quickly it is broken down. Sugar is metabolized at different rates and we feel very different if we break it down too quickly. 

 

What happens when we eat a big bowl of white pasta? We feel extremely full at first and then exhausted because our body is trying to utilize the sugar in the bloodstream and turn it into fuel.  

 

Have you ever felt exhausted from eating an apple? Probably not. 

 

How Does Sugar Affect The Body?

Sugar is considered an inflammatory food meaning it causes inflammation. It also increases your triglycerides and blood sugar levels in the blood. Sugar has been shown to promote cancer growth, diabetes, excess weight and obesity, metabolic syndrome, gastrointestinal illnesses, cardiovascular disease, depression, anxiety, tooth and gum decay, and even can cause acne. Aside from all the chronic health concerns, it is physiologically addictive. In 2008 studies confirmed sugar, in fact, is chemically addictive. Studies have even said that sugar can be 8x more addictive than the drug cocaine. 

 

What Makes Sugar So Addictive?

Sugar is addictive because, just like other addictions, it causes a release of dopamine in the brain which is the primary neurotransmitter involved in addiction--it gives us the feeling of pleasure. When we stop eating sugar, we stop releasing dopamine. When we stop releasing dopamine, the feeling of pleasure ceases and we begin having the withdrawal effects. What do we do to get those feelings of pleasure back? We eat more sugar and become dependent on it to feel pleasure and happiness. 

 

What’s even scarier – people who consume sugar often develop a tolerance to it, causing you to need more to actually feel the pleasure effects.

 

So, what do you think? Is sugar actually addictive? The answer is clearly yes, due to the withdrawal & dependency effects it has on the body when we stop eating it. The amount of addictiveness sugar has on a person depends on you and your personality. Therefore, it might affect some more people than others. (example: just because a person drinks alcohol doesn’t automatically make them an alcoholic) 

 

 

Tackling Sugar Addiction

How do we stop giving into sugar cravings and ultimately stop the development of a sugar craving all together? 

Become an investigator - Identify sources of sugar in your intake and make a conscious effort to reduce this as much as possible. This means you will need to read nutrition labels on all foods. 

Reflect - Find out how much you really are consuming on a daily basis. Keep a journal or utilize food logging apps like MyFitnessPal and Loseit. 

Identify the foods you are addicted to - What I like to call “trigger foods”. Each person will be different. Common symptoms of sugar withdrawal include: irritability, fatigue, headaches, insomnia, and feeling foggy. 

In the future, in public sugar situations like a holiday party - Ask yourself “Am I really hungry or do I just feel a craving coming on?” This takes reflection but the more you understand yourself, the better you are able to know when a sugar craving is coming on. 

 

 

Cut Out Sugar Completely?

That can be pretty challenging, but we can definitely cut back on unnecessary refined sugars. The American Heart Association recommends the following maximum amounts of sugar that should be consumed in a day:

Men: 150 calories per day (37.5 grams or 9 cubes).

Women: 100 calories per day (25 grams or 6.35 cubes).

The average American consumes 4 – 5x that amount every single day. 

 

Tips for Conquering Your Sugar Cravings:

Find healthy swaps to your specific food cravings. Example: Dark chocolate chips in a handful of mixed nuts instead of a candy bar.

Pair natural sugar with lean protein and heart healthy fat. If you’re going to have an apple, cut it up with some heart healthy fat like peanut butter. This slows the breakdown of sugar and keeps you satisfied longer.

Hold-off for 15-20 minutes when sugar cravings hit - They come on suddenly, they’re very overwhelming and typically short lived. Distract yourself. If you must consume something, drink water but get out of the kitchen. Ask yourself am “I really hungry or am I just craving sweets?” 

Purchase single serving foods you crave because completely cutting all foods out makes us want it more. This all or nothing mentality causes us to feel too restricted and leads to binge eating later, ultimately “falling off” the healthy lifestyle we are trying to build. Enjoy ice cream every once in awhile – go out, have it. Leave it there and come home. Do not keep tubs of ice cream in your fridge because you will eat it all. On the other hand, identifying trigger foods and eliminating them completely might be the best way to tackle cravings.

Have purposeful, scheduled snacks. Often times we go too many hours between meal times and end up overeating once we finally sit down. Purposefully snacking prevents this from happening. Keep snacks at your desk, in your purse, in the car etc. (in emergency to help tackle cravings and an unplanned schedule)

Become a nutrition facts label & ingredient list reader. Only 48% of consumers truly know how to read a nutrition facts label. Read the nutrition facts label to look out for total sugar and added sugar. READ THE INGREDIENT LIST to identify sources of added sugar and be able to tell the difference from natural sugar. Example: foods like yogurt, pasta sauce can be crazy high in sugar so you have to watch out. 

Think about your drink. Sugar-sweetened beverages contribute to the greatest source of added sugars in the diet and are completely empty calories. The body doesn’t seem to recognize calories very well when they’re delivered in liquids; you don’t feel as full. Suggestions for sweetening your food and drinks:

Sugar in the raw

Stevia (stevia in the raw)

Truvia or truvia nectar (half honey and half stevia)

Honey or agave (natural but lower GI than white sugar/flour) 

 

 

In conclusion, take a closer look at what you are currently eating to see where you can eliminate unhealthy and unnecessary added sugars. Remember not all sugar is created equal. Choose natural sugar, like a banana, and pair it with healthy fats, like peanut butter or a lean protein (like greek yogurt) to manage your blood sugar levels. Sugar is added to almost everything so try to consume real food with minimal ingredients. A healthy lifestyle is not all or nothing when it comes to food. Take steps towards eliminating unnecessary sugar from your diet--your cravings will go down and you won’t need as much to feel/taste the sweet effects when you do have natural sugar. 

 

If you feel like you need a plan to tackle your sugar addiction, or any aspect of your nutrition, consider nutrition counseling with a licensed and registered dietitian.

Be healthy, 

Allison Lesko RD LD

Licensed & Registered Dietitian

fit-flavors | Director of Nutrition

allison@fit-flavors.com | (314) 744-9048

fit-flavors.com 

Posted in Market Updates
July 31, 2017

Curious About Local Real Estate?

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Curious about local real estate? So are we! Every month we review trends in our real estate market and consider the number of homes on the market in each price tier, the amount of time particular homes have been listed for sale, specific neighborhood trends, the median price and square footage of each home sold and so much more. We’d love to invite you to do the same!

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You can sign up here to receive your own market report, delivered as often as you like! It contains current information on pending, active and just sold properties so you can see actual homes in your neighborhood. You can review your area on a larger scale, as well, by refining your search to include properties across the city or county. As you notice price and size trends, please contact us for clarification or to have any questions answered.

We can definitely fill you in on details that are not listed on the report and help you determine the best home for you. If you are wondering if now is the time to sell, please try out our INSTANT home value tool. You’ll get an estimate on the value of your property in today’s market. Either way, we hope to hear from you soon as you get to know our neighborhoods and local real estate market better.

Posted in Market Updates