The Sentinel: Housing

Redecorating your home |
Tips for Choosing the Right Color Palette for Your New Home's Interior

SNS - Moving into a new home is an exciting opportunity to create a space that reflects your personality and style. Selecting the perfect color scheme for your interiors is one of the most important choices in shaping your home's ambiance. Colors shape a home's aesthetic and influence emotions, creating a comfortable and inviting atmosphere. Whether decorating a cozy apartment or a spacious house, understanding how to select and combine colors can transform your living space into a true haven.

The Psychology Behind Colors

Colors carry meaning and evoke emotions, making them a powerful tool in interior design. Warm tones such as red, orange, and yellow can create a sense of energy and warmth, ideal for communal areas like the living room or dining room. On the other hand, cool tones like blue, green, and purple promote relaxation and are perfect for bedrooms and bathrooms. Neutral shades like beige, gray, and white are versatile, providing a timeless backdrop that complements bold accents. When choosing the right color palette, it’s helpful to consider how different hues can affect your mood and the overall feel of your home.

Consider the Size and Lighting of Your Space

Room size and lighting play a crucial role in how colors appear. Lighter shades make smaller rooms feel more spacious, while darker hues add depth and coziness to larger spaces. Natural light can enhance warm tones, making them feel more vibrant, while artificial light often works better with cooler shades. Before deciding on your color scheme, observe how light interacts with your walls throughout the day. This insight will help you choose hues harmonize with your home’s unique characteristics.

The Importance of Harmony in Design

Harmony ensures that the colors in your home flow seamlessly from room to room. Sticking to a unified palette with complementary shades creates a cohesive look that ties your space together. For example, if you choose earthy tones for your living room, consider carrying a similar theme into adjacent areas. This approach doesn’t mean every room must be identical, but a consistent theme will make your home feel more cozy.

Choosing Accent Colors for Depth and Interest

Accent colors are a fantastic way to add personality and flair without overwhelming the space. Once you’ve settled on a base palette, choose one or two accent colors to highlight specific areas or features. For example, a neutral beige room can come to life with teal cushions or a mustard-colored rug. These pops of color can be easily updated over time, giving you flexibility as trends and personal preferences evolve.

Choosing the Right Color Palette: Experimenting with Color Swatches

Before committing to a specific shade, experiment with color swatches. Paint small sections of your walls or use peel-and-stick samples to see how different options look in your home. This step lets you visualize the final result and ensures that your chosen palette complements the room’s furniture, flooring, and decor. Sampling is invaluable for avoiding costly mistakes when choosing the right color palette.

Using Texture to Enhance Your Palette

Color isn’t just about paint; texture is important in how hues are perceived. Matte, glossy, or textured finishes can dramatically alter a color's appearance. For example, a matte navy wall exudes sophistication, while a shiny finish adds a modern, polished touch. Incorporating texture through fabrics, rugs, and decorative items can enrich your color palette, making your home feel layered and inviting.

Adapting Trends to Your Style

Trends in interior design change frequently, but it’s essential to focus on what resonates with your style. While bold, bright colors may be fashionable, they may not suit your home or personality. Instead of fully committing to trends, incorporate them in small doses, such as through accessories or accent walls. This approach ensures your home feels timeless while allowing room for experimentation.

Moving to a New Home

Relocating provides a clean slate to design your dream home. However, moving can be complex, especially when dealing with fragile items like furniture and decor.

Hiring professional movers can make the transition smoother. Heart Moving is a reputable moving company that handles the logistics, allowing you to focus on the exciting aspects of settling in, such as creating the perfect color scheme. Their team ensures that your belongings are packed, transported, and unpacked carefully, giving you peace of mind. Also, the company offers tailored services to accommodate special requirements, such as handling antiques or oversized items, ensuring a seamless moving experience from start to finish. Entrusting this part of the move to experts ensures your belongings arrive safely and reduces stress during a busy time.

Planning a Color Palette for Every Room

Each room in your home serves a different purpose, so it’s essential to plan your color palette accordingly. For the kitchen, consider shades that promote energy and cleanliness, such as whites, yellows, or soft blues.

In living rooms, warm tones or neutrals create a welcoming environment, while bedrooms benefit from calming colors like lavender or sage green. Bathrooms are a great place to experiment with crisp, refreshing hues like aqua or pale gray. Tailoring your choices to the function of each space ensures your home feels both practical and aesthetically pleasing.

The Role of Accessories in Enhancing Colors

Accessories can tie a room together and emphasize your chosen palette. Curtains, throw pillows, artwork, and rugs are excellent tools for reinforcing your theme. Adding houseplants or decorative vases in complementary colors can further enhance the visual appeal and bring a touch of nature into your space. These items also allow for easy seasonal updates, giving your home a fresh look without the need for major renovations. When selecting accessories, aim to balance bold and subtle to avoid a cluttered appearance.

Creating a Home You Love

Choosing the right color palette is about more than aesthetics; it’s about creating a home that reflects your taste and lifestyle. By understanding the psychology of colors, considering lighting and size, and planning for harmony, you can craft an interior that feels cohesive and personal.

Experimenting with textures, accessories, and trends ensures your design remains dynamic and adaptable. Whether you're starting fresh or updating your existing space, choosing the right colors will transform your house into a place you’re proud to call home.

How to avoid fraudsters when you are in financial distress

Photo: RDNE Stock/PEXELS

StatePoint - Although fraudsters will prey on anyone, many tactics specifically target those facing financial hardship in the wake of a natural disaster.

To help you avoid becoming a victim when you’re most vulnerable, Freddie Mac is providing these tips and insights:

Watch Out for Common Disaster-Related Scams

As the intensity of severe weather events increases, understanding common disaster-related scams can help you avoid them. These include:

High-Interest Loans for Repairs: In this scam, someone may offer to loan you money for home repairs, often at a high interest rate, while you wait for your insurance money. In return, they ask for a post-dated check, your auto title or your tax refund. Although this may provide short-term relief, it’s an example of predatory lending because the high interest rates could end up costing you more in the long term. Read any contract before signing it, and make sure you understand the total cost of the loan, including its terms and fees.

Repair Contractor Prepayment: In this scam, your home repair contractor may ask you to sign a “direction to pay form” that allows your insurance company to pay the contractor directly, even before the repair work is completed. This can leave you vulnerable to incomplete or poor quality work. To avoid this scam, read your contract carefully and do not authorize the full payment amount until you are satisfied with the final product.

Requests for Financial Information: In this scam, a person claiming to be a government employee or disaster relief professional may request financial information, saying they need it to help you recover from a crisis. Protect yourself by never giving anyone your personally identifiable information by phone, email, text or in person without confirming their identity. For example, ask for identification and independently call the entity the person claims to work for.

If You’re Struggling to Pay Your Mortgage, Beware of Fraudsters

If you’re struggling to pay your mortgage after a natural disaster or due to other circumstances and you are facing foreclosure, be on the lookout for two common types of fraud.

Foreclosure Rescue Fraud: In such a scheme, someone may falsely promise to be able to save your home from foreclosure. The fraudster will commonly:

Require you to sign the title to your home over to them.
Ask you to sign unfamiliar documents.
Ask you to share personal information.
Charge you rent to stay in your home.
Offer to pay your delinquent mortgage by purchasing your home.
Promise that you can repurchase your home when your financial situation improves.

Fraudsters orchestrating these schemes pose as professionals and promise to stop foreclosure, often at a high price. However, they don’t deliver on their promises. As a result, you could lose the title to your home and be at risk of foreclosure.

Loan Modification Scams: Loan modification scams may operate similarly to foreclosure rescue fraud. In these scams, fraudsters collect an upfront fee and promise to work with your loan servicer on your behalf. They claim that they can obtain a loan modification that reduces your payments.

If someone other than your loan servicer (the company listed on your mortgage statement) offers you mortgage assistance, don’t provide your information.

If you are struggling with your mortgage payment, contact your lender, a certified HUD housing counselor or a housing finance agency. These trustworthy resources can present you with real options to help avoid foreclosure.

Unfortunately, fraudsters have made it their business to prey on pain. With the right knowledge, you can help ensure that no one takes advantage of you when you’re down on your luck.

Commentary |
Airbnb is driving up housing costs for all of us

In the early years, staying in other people’s houses felt like an act of rebellion against corporate hotel chains.

by Sonali Kolhatkar

Americans have been on a vacation binge since the easing of COVID-19 restrictions. In particular, the vacation rental company Airbnb is thriving. Late last year, the company posted its highest-ever profits.

Sonali Kolhatkar

Meanwhile cities are seeing rising rents, unaffordable home prices, and increased homelessness. Authorities are now linking these crises in part to Airbnb — and some now are passing strict regulations.

Just as companies like Uber were once touted as a way for working people with cars to earn a little extra spending cash, Airbnb offered the promise of supplementary income for those with an extra room or converted garage.

I’ve rented several Airbnb homes over the 15 years since the company was founded. In the early years, staying in other people’s houses felt like an act of rebellion against corporate hotel chains. The privacy, convenience, and often lower cost enabled tourists with tighter budgets to enjoy family vacations that otherwise might have been unavailable.

Now, however, the market is increasingly dominated by a small number of corporate “hosts” and professional property managers — wealthy elites and corporate entities that scoop up large numbers of properties and turn big profits by renting them out to travelers.

And that’s driving up housing costs for everyone.

Stephanie Synclair, a 41-year-old Black mom from Atlanta, recently made the news for becoming a home-buyer — not in her hometown, but in Palermo, Sicily.

In spite of having a budget of $450,000 — no small sum — Synclair had no luck buying a home in Atlanta, where properties are among the most overpriced in the nation. Atlanta’s housing market is dominated by investors and cash-rich corporations who scoop up practically every home listed at $500,000 or less, many of which are then transformed into Airbnb listings for tourists.

So Synclair now plans to retire in her $62,000 home on the other side of the planet instead.

"Staying in other people’s houses felt like an act of rebellion against corporate hotel chains," Kolhatkar said. Affordable, off-the-beaten path rentals once had their quirky charm until corporations invaded the short-term rental market.

Photo: Theo Rivierenlaan/Pixabay

A 2017 study of New York City by the watchdog group Inside Airbnb concluded that the Airbnb model also fuels racism in the housing market. “Across all 72 predominantly Black New York City neighborhoods,” the group found, “hosts are five times more likely to be white.” But the “loss of housing and neighborhood disruption due to Airbnb is six times more likely to affect Black residents.”

To curb such inequities, New York City, which already had strict rules about short-term rentals and subleases, passed a law in 2023 requiring Airbnb to ensure that hosts obtain permission to rent out housing. If it fails to do so, both the host and the company are hit with hefty fines.

While this means potentially higher hotel costs for out-of-town visitors, it could also free up rentals for long-term residents. According to The Guardian, this may already be happening, just months after the law went into effect in September.

While cheaper vacation stays are certainly desirable for those of us who love to travel, vacationing is a privilege in the U.S. More than a third of Americans, a 2023 survey found, are unlikely to take a summer vacation. And of those, more than half say they simply can’t afford it.

A 2019 Economic Policy Institute study pointed out that “Airbnb might, as claimed, suppress the growth of travel accommodation costs, but these costs are not a first-order problem for American families.” What is a first-order problem is affordable housing.

While regulating Airbnb will not mitigate all economic injustices facing Americans — such as suppressed wages and a lack of government-funded health care — it certainly will move the needle in the right direction.

Sonali Kolhatkar is the host of “Rising Up With Sonali,” a television and radio show on Free Speech TV and Pacifica stations. This commentary was produced by the Economy for All project at the Independent Media Institute and adapted for syndication by OtherWords.org.

Guest Commentary | Will you face 2024 with fear or fearlessness?

by Glenn Mollette, Guest Commentator

Wages are not keeping up with the cost of living. The cost of groceries, fast food, building materials, and most anything you can name has increased dramatically.

Millions of Americans are Social Security recipients. The modest increase coming in January will feel like a drop in the bucket. Every little bit helps and it will truly be a little bit compared to the financial needs of senior adult Americans.

Almost every day we see the national reports of the thousands of undocumented immigrants flooding our country, This does not make us feel very secure. Our government could stop this but they don’t. We have the ability to stop this insane invasion of America but for some reason our leaders obviously want the masses to keep coming. This is fearful. How will these people survive in America? Where will they live? Are there jobs for all these people? Is this really fair and helping them when so many of them will have to sleep on the streets of our major cities? I don’t see how. Will this invasion become the eventual end of the America we have enjoyed, without a shot being fired?

Politics is not comforting to most Americans. Who can we trust? Is anybody telling the truth? Are all politicians liars and thieves? Do they all have nasty baggage in the closet? Are there any real leaders that we can respect and admire without having to look down or look away when we mention their names? Yes, there are those we believe in but none of them are perfect and most are far from perfect. Of course, no one is perfect. This is nerve wracking for Americans, especially in such a crucial election year.

We are constantly bombarded with pleas for support. Currently it’s Ukraine. Ukraine obviously needs help. It’s difficult for us to fathom billions of dollars for Ukraine when we won’t secure our own borders and protect our own citizens. How does this make sense?

Interest rates may come down in 2024 but will they come down enough? A seven percent rate on a $40,000 car is a tough payment for many Americans. The housing market is struggling. Who can afford a $350,000 house along with a seven or eight percent loan? Obviously not many as home sales are badly slumping right now.

There is a lot to scare us in this world. Cancer, diabetes, neurological diseases, and more. When we do get sick there is the price tag that comes with waging a medical war to survive. So often, people postpone going to the doctor because they don’t want to see the medial bills and this ends up being a very unhealthy and often deadly decision. The whole scenario is fearful.

However, life is not to be lived in fear. Fear freezes us, paralyzes us, and overcomes us. We seldom move forward when frozen by fear. My hope for all of us is that we might overcome fear in our lives and dethrone the beast from ruling over us in 2024. My hope for you is that you might have the power of God in your life in such a way, that his presence will be greater in you than all the fears we are facing in the world. May you have this power in you in such a way that you will face this next year with strength and fearlessness.

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He is the author of 13 books including Uncommom Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.

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The ultimate guide for moving to a college town in Illinois

PhotoNews Media/Clark Brooks

SNS - You've got your letter of acceptance in hand for graduate school at the university of your choice or a new job in college town. Are you ready to embark on an exciting adventure in higher education in the coming spring semester or next August?

Moving to a college town is more than just a change of address. Regardless it you are an incoming freshman, transfer student, or graduate student pursuing an advanced degree, moving to a environment can be a transformative experience. Below is a comprehensive checklist for making that big move to campus and ensuring a seamless transition. This guide was developed with you in mind to help navigate the often-overlooked aspects of college-town life.

Researching the college

Embarking on your college journey begins with a crucial step in our checklist for moving to a college town: thorough research. Picture yourself going on an exciting expedition. Arm yourself with the knowledge to make informed decisions. Explore the campus layout virtually. Trace your footsteps from lecture halls to coffee shops, workout facilities and your college team's stadium.

Next, check out the academic world. What courses resonate with your passions and aspirations? Seek out professors who inspire you and research their work.

The student union is a great place on campus to meet new people and find organizations that fits your intersts.

PhotoNews Media/Clark Brooks

Finally, explore student organizations and clubs, discovering where your interests align. On campus, there is a niche for everyone, from debate societies to club sports teams to cultural clubs. Here, you will make new friends, too, some for life. Overall, your college experience is as unique as you are, and this knowledge empowers you to find the perfect fit.

Finding suitable housing

From on-campus dorms to off-campus apartments or rental houses, there's a match for your preferences and budget. Consider proximity to classes, amenities, and transportation. Do you prefer the convenience of walking to campus, or are you open to a short commute? Think about roommates, too, whether you're sharing with friends or going room with a complete stranger. Clear communication and shared expectations make for harmonious cohabitation whether it is your BFF from high school or some you just met.

Budgeting as part of the checklist for moving to a college town

Budgeting is the compass that will guide your financial journey as you prepare to move to a college town. Begin by creating a comprehensive and detailed budget that covers all your expenses. Factor in your rent or housing costs, utilities like electricity, water, internet, groceries, transportation, and personal expenses. Don't forget about textbooks, school supplies, and any course-related expenses. Allocate funds for entertainment and leisure activities, too — because, face it, having fun is important.

Track your spending using apps or spreadsheets to monitor every dollar in and out of your accounts. That helps you stay on top of your finances, preventing calling mom or dad for extra cash when those nasty surprises occassionaly pop up. Consider setting up a separate savings account for emergencies or unexpected costs at a local bank. It's your safety net if things don't go according to plan. Be disciplined and realistic about your budget. Adapt and adjust as you go along, making necessary tweaks to ensure your financial well-being.

Planning the move to college town

The first thing you will want to do is create a detailed checklist that outlines every step, from researching housing options to packing essentials. Be proactive and start early to avoid last-minute stress. In addition, consider hiring professional movers, like Beltway Movers Maryland states that this will help your transition go super smooth. It is smart to label your boxes for easy unpacking. Notify your current and future utility providers, if necessary, about your relocation and ensure you have all the necessary services in your new place before arrival.

At the same time, purge unnecessary items during the packing process. It's a great opportunity to declutter and streamline your belongings. Prepare an essentials box with items you will need right away upon arrival. Include toiletries, clothes, important documents, and any daily necessities.

Contact potential roommates or neighbors to introduce yourself and establish a connection before moving in. Keep important documents (like your lease, ID, and financial records) organized and easily accessible during the move.

Public transit is a student's best friend in many college towns like on the campus of the University of Illinois. The MTD system provides transportation throughout the twin city community.

PhotoNews Media/Clark Brooks

Getting around town and campus

Finding housing and transportation before you move is a key part of the checklist for moving to a college town. Will you rely on your car, or is public transportation more your style? Consider the cost, parking availability, and environmental impact.

If you're considering biking, explore bike-friendly routes and invest in a sturdy lock. It's a fantastic way to stay fit and eco-conscious while getting around.

Public transit is a student's best friend in many college towns: research bus and subway routes, schedules, and passes. Most colleges offer student discounts that can lighten your financial load.

Ride-sharing services like Uber and Lyft, provide flexibility without the commitment of owning a car. They are perfect for occasional trips or late-night study sessions. Walking is eco-friendly and a great way to discover hidden gems around your campus.

Check out the weather

Start by checking the average temperatures in your college town throughout the year. Will you deal with chilly winters, scorching summers, or mild, temperate weather? Also, rainfall patterns matter. Are you moving to a place with frequent downpours or a more arid climate? Knowing this will help you prepare with the right clothing and gear.

Also, consider the local terrain. Does your college town experience heavy snowfall, and do you need to prepare for icy sidewalks and roads? Or will you need sunscreen for those sunny days? Keep an eye on the area's weather trends and extreme events. Is it prone to hurricanes, tornadoes, or wildfires? Understanding these risks will also help you prepare and stay safe.

Weather apps and local news sources are invaluable for real-time updates. Knowing what to expect means you're always ready for whatever Mother Nature throws your way. So, grab your raincoat or sunscreen and embark on your academic journey in style, come rain or shine.

From researching the college's culture to budgeting wisely, every step of this checklist for moving to a college town contributes to a successful relocation. In your college town, you'll find an academic community and a dynamic environment waiting to be explored. Every experience is a stepping stone toward a bright and promising future, from the classrooms to the local hangouts.

So, embrace this exciting chapter with enthusiasm and confidence. You're equipped with knowledge and insight to make informed choices, ensuring your college experience is fulfilling and rewarding.

Four signs you need a new roof over your head

Communication-76/Pixabay

SNS - A roof is one of the most important components of any home. It protects the structure and its inhabitants from harsh Illinois weather, debris, and even pests. However, over time, roofs can become damaged due to age or extreme conditions.

Knowing when it’s time to re-roof your house can save you money in the long run, as well as protect your home’s structural integrity. In this article, we will discuss the signs to look out for that indicate when you should consider re-roofing your home. Here are four signs when you need re-roof your home or rental property.

#1 Cracked or Missing Shingles

Shingles are thin strips of material that form the surface of your roof. It looks like overlapping triangular tiles. If you notice that your shingles are cracked, missing, or curling up on the edges, then it’s a sign that they need to be replaced. This can happen due to age or exposure to extreme weather conditions such as hail and wind. Missing shingles can also result from poor installation or poor maintenance.

While this can be an easy fix, you still need to consider hiring experienced roofing contractors like Mighty Dog Roofing to ensure that your shingle replacement is done correctly. If you don’t replace your missing or cracked shingles, then it can lead to more damage and cost more money in the long run.

#2 Sagging Roof

If you notice that your roof is sagging, it could be a sign of a structural issue with your roof decking, which supports the entire roof structure. If this is the case, it’s crucial to have a professional to inspect your roof right away, as sagging can lead to catastrophic damage and costly repairs.

It could also be due to poor ventilation or inadequate insulation, both of which can contribute to premature wear and tear on your roof. In any case, it’s best to have a professional inspect your roof and determine the cause of the sagging so that it can be addressed promptly.

#3 Sunlight Coming Through Your Roof

If you notice that sunlight is coming through your roof, then it’s time to re-roof. This could mean that there are gaps or holes in your roof that need to be patched. These gaps can allow moisture and pests into your home, as well as cause energy loss due to heat escaping from the house.

The good news is that patching these holes or gaps can usually be done relatively quickly and inexpensively. However, if there is extensive damage to the roof, then it may be time to consider re-roofing your home.

#4 Age of Roof

The age of your roof can also be a factor in determining whether or not you should re-roof. Most roofs are designed to last around 20 years, and after that, they can start to deteriorate due to age and weather conditions. If your roof is more than two decades old, it’s probably time to consider re-roofing your home.

Good thing is, modern roofs are made of much more durable materials than those used in the past and can last for up to 50 years with proper maintenance. So, when it’s time to re-roof, you can be sure that your new roof will last a long time.

How to Re-roof Your House

The first step to re-roofing your home is to contact a roofer for an inspection. A professional roofer will be able to assess the condition of your roof and advise you on the best course of action. This could mean anything from repairing small issues to completely replacing the roof.

If it’s determined that you need to re-roof, then the roofer will be able to recommend materials and products that are best suited for your home. It’s important to take their advice, as they have a lot of experience in this field and know what works best. Once you have decided on materials and products, the roofer will be able to provide you with an estimate for the cost of the project.

Common Cost for Re-roofing

The cost of re-roofing your home will largely depend on the size of your roof, the materials you choose, and any additional services like repairing existing damage. Generally speaking, re-roofing projects can range from a few thousand dollars to over $10,000 depending on the size and complexity of the job.

Re-roofing your home is not an easy job and it is very important if there is a need. By keeping an eye out for signs of damage and taking action to address any issues, you can help ensure that your roof lasts as long as possible and protect the value of your home.

If you suspect that your roof may need to be replaced, then don’t hesitate to contact a professional roofer for an inspection and advice. With the right materials, a good plan, and proper maintenance, you’ll be confident knowing that your new roof will protect your home for years to come.

Four tips to selling your home in today's market

Price for nice homes predicted to decline

Photo: Francesca Tosolini/Unsplash

NAPSI -- The real estate market is cooling down: Home inventory rose 9.6% between May and June. Interest rates are up. Thirty-year mortgage rates rose to 6.29% a week ago to their highest level since October 2008. And, inflation is still a problem for much of the country.

"The housing market in Illinois is showing signs of a return to normal conditions," Daniel McMillen, Head of the UIC Stuart Handler Department of Real Estate (SHDRE) said in a housing price forecast for the state to Illinois Realtors. "Prices have declined since their peak in June, sales are declining, and foreclosures are increasing. Our prediction is that house prices will continue to decline modestly over the next few months, while the number of sales will show its usual late-year slowdown."

Consequently, potential buyers are delaying their searches and home sellers are facing some daunting challenges.

But the good news is that these challenges are not insurmountable. Amanda Zachman, founder and executive director of MV Realty in Delray Beach, Florida, offers four guidelines to help you sell your home quickly—in any market.

1. Don’t overprice your home. Many homeowners hope to capture the attention of a single buyer willing to pay an inflated listing price but they end up scaring away potential buyers. And if you do attract a buyer at the inflated price, you’ll limit your negotiating power because the buyer has no competition. A better strategy is to list your home at a price equal to or slightly below market value; homeowners who do so often start a bidding war.

The lesson: "You will likely end up with a higher sales price if you begin with a lower list price," says Zachman.

According to Redfin, last month just 37.3% of homes in Illinois sold below asking price.

2. Find a good agent. Yes, you can sell your home without an agent. But should you? The answer is a decisive “no.”

Homeowners offer 6% less than the asking price of an FSBO because they believe they are entitled to a built-in discount since no agent is involved. A seasoned, licensed agent has comprehensive knowledge of the local market and will make the selling process as lucrative, painless and surprise-free as possible.

During a recent sale, for example, Zachman noticed a charge of $6,000 from a title insurance company on the closing statement. She realized that since the sellers had purchased the home less than three years ago, they could use their last policy. Her catch eventually saved the sellers $2,000.

"It’s unlikely that an inexperienced agent would have noticed this," she remarks. To assess the experience of potential agents, Zachman recommends careful research: "Do they know your area? Have they sold other homes in your area? What customer ratings have they earned? These seem like obvious questions, but they’re easy to forget when you’re eager to start the listing process."

3. Take your time. Speaking of eagerness, don’t rush to put your home on the market if it’s not ready. "Don’t list a messy or cluttered house," Zachman cautions. "You want to make sure that it’s orderly, show-ready and professionally photographed. Cellphone photos just won’t cut it."

She adds that the listing should contain all relevant information and that homeowners are prepared to respond to an offer. According to Zachman, "the most important timeframe for a listing is the first 14 days. You need to put your best foot forward so that the listing doesn’t get stale.”

4. Prepare for short-term inconveniences. Bad news for those who hate vacuuming: Your home should stay clean throughout the listing process.

“If you’re pricing your home appropriately, you can expect many showings and some will be at the spur of the moment,” Zachman points out. “But the right price leads to a fast sale, so you won’t be inconvenienced for long. Any effort you put toward mopping floors, washing windows and making beds will be well worth it.

"There are still ample opportunities for both buyers and sellers in this market," Zachman concludes. "If you follow these guidelines, you can successfully navigate through all kinds of market cycles. So, list at a reasonable price, work with an agent experienced in your market, remember that preparation is key, and expect a few inconveniences that shouldn’t last too long. Good luck!”

Don’t list a messy or cluttered house.

~ Amanda Zachman
MV Realty

City of Urbana application window open for government rescue plan dollars

URBANA -- Applications for American Rescue Plan Act (ARPA) funds available through the City of Urbana are accepted now through November 16. Urbana has $12.97 million to distribute to help those affected by the Coronavirus pandemic that started in March 2020.

"The city is seeking applications for organizations that will provide services meeting the funding goals. Rather than households or businesses seeking individual assistance, applicants should be organizations who will use the funds to facilitate one of the funding goals," according to the City of Urbana website.

The goals include:

Public Health and Safety

Improve accessibility of public recreation space and youth programming
Increase support for community violence interventions

Adequate and Affordable Housing

Reduce housing costs for those that need it most

Human Rights and Social Services

Increase availability and affordability of mental health services
Increase availability and affordability of food

Economic Recovery and Development

Increase job training and placement opportunities
Provide relief and support for local businesses

Sustainable Infrastructure

Invest in infrastructure to increase community health, safety, and future resilience

In the city's distribution plan, individuals or families that need help paying rent or businesses desiring assistance covering their expenses do not qualify for the program. Instead, funding from the Coronavirus State and Local Fiscal Recovery Funds (SLFRF) program, a component of the ARPA passed in March 2021, will be given to organizations with programs that assist with individual housing or provide small business assistance. There is no minimum or maximum funding amount, and the money can be utilized to cover expenses necessary to meet the city's stated goals.

Participating organizations can use the money for "facility investments, personnel, direct assistance to community members, internal capacity building, and administrative costs."

To apply for funding go to https://ccrpc.gitlab.io/urbana-arpa/apply/.

Guest Commentary: You don’t have to pay a king’s ransom for a house

by Glenn Mollette, Guest Commentator

Buying almost anything today is expensive because of the current supply and demand. Prices are too high on everything. Inflation is going through the roof.

Speaking of a roof, everyone needs one over their heads. A place to live is a common need and growing dilemma.

An elderly friend says she has had other elderly friends ask if they could move in with her? Her response is always, "I don’t want anyone else living with me," and she seems very happy.

Having to move in with family or a friend is less than ideal and is usually a strain on all involved. Sometimes it happens. Typically, the shortest possible tenure of the residency is better for all.

Renting is popular. Millions are renting apartments and houses. The average rent in the U.S. is $784 per month. Thirty-five percent of Americans rent. They pay just a little less than homeowners each year for their rent, maintenance costs, and renters insurance which averages $9,477.

Renting seems like a good plan because you shouldn’t have to worry about maintenance. Remember, everybody is short staffed these days and you may wait a while before someone shows up to fix your leaky toilet. Renters routinely complain about having to beg the property owner to do maintenance. Rent is not a secure way to live. Rent costs usually increase. The owners want to make more money.

Senior citizens rent apartments not far from where I live. They started out paying $550 for an apartment that included all the utilities. Most of them were thrilled. A lady who lives there now says they have increased the rent to $850 and she expects another increase this year. She moved out of her house that was paid for to live the so called "carefree" senior apartment life. It’s not turning out to be carefree.

Apartment owners set the rules. They might not allow pets or even children. You won’t be able to play your radio loud and there will be limitations on what you can do to the rental property. Plus, an apartment owner can decide they want to use your apartment for something or someone else and ask you to leave. This might be improbable, but it’s possible and who needs this kind of life insecurity?

Buying a house is expensive and this may not be for you today. New three-bedroom houses are selling for over $400,000 in a nearby Indiana neighborhood. Down the street a neighbor put his house up for sale asking $250,000 and there was a bidding war from others who wanted the property. The sellers reported they made much more than their asking price.

You don’t have to pay a king’s ransom for a house. Years ago, I bought a four-bedroom house for $80,000 with no money down on a land contract. The interest rate was 10 percent but it was mine and when I sold it, I made $10,000 on the deal.

A modest house on a small piece of dirt can become your castle. You can work on it along the way. Overhaul the bathrooms, the kitchen and do some painting. You can redo the floors but all in your time and on your schedule. You just need a place where you can stay warm, dry, and rest. Owning your own house is not cheap. Paying for it, maintenance and property taxes all have to be considered, but at least it’s yours. If you want, you can have a pet, kids, or loud music. You can sleep in peace.

If you are renting, you are not alone. Most of us have rented at one time or another. I lived in an apartment for over four years. You do what works for you at this time in your life.

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Dr. Glenn Mollette is a syndicated American columnist and author of Grandpa's Store, American Issues, and ten other books. He is read in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization.

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This article is the sole opinions of the author and does not necessarily reflect the views of The Sentinel. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.

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Illinois rental assistance program covers up to 18 months for qualified applicants

by Lily Bohlke, Illinois News Connection

Illinois residents struggling to pay rent or facing eviction can find out if the state has funds or services to help.

Teri Ross, executive director of Illinois Legal Aid Online, said programs and amounts available vary depending on the city or county. She explained the state's program through the Illinois Housing Development Authority reopened this month and will stay open until January 9, and more people are eligible than may think.

"If you're worried that you might be above the income level, I'd make sure you check it first," Ross advised. "It's $75,000 annual income a year for a family of four. That's well above the poverty level to qualify."

Ross added there are two major differences with the current round of state rental assistance. It will cover up to 18 months of rent, whereas past rounds covered 15 months, and the documentation requirements are more flexible. If there are certain documents you cannot access, she said you can sign a statement to attest what you're saying about your eligibility is true.

In addition to state rental assistance, Ross noted the Court-Based Rental Assistance Program may help people who already have an active eviction case in court. She said some counties also have mediation services available to help landlords and tenants negotiate a path forward.

"The other service that you can get is something called Eviction Help Illinois," Ross noted. "That provides actual legal assistance, advice and representation from lawyers available to people, and landlords as well, who find themselves in these precarious situations."

According to recent Census Bureau surveys, more than 80,000 Illinois residents are at risk of eviction or foreclosure on their homes, and more than 220,000 have been unable to pay their energy bills.

Spending more than you make isn't a good thing

by Glenn Mollette, Guest Commentator

If your outgo is more than your income then your upkeep will be your downfall. A sure way to disable yourself financially is to spend more than your income.

If your income is $2500 a month then you can’t spend $3500 a month and come out ahead.

An old friend used to say, “You can’t borrow yourself rich.”

We have “wants” and “needs.” Needs must always outweigh wants. We need food and shelter, transportation and basic utilities to survive.

A person with a small income has severe financial pressure and must live on a strict budget. The person who has a lot of income still must determine a budget. The principal is the same for the person who has more income. Your outgo must not exceed your income. If you are earning $9,000 a month but spending $10,0000 you are going to end up in financial trouble.

With a very low income even the very basic needs become a luxury. Keeping the house warm or cool is a luxury. Buying good or healthy groceries are difficult. Buying gasoline to go to work is expensive. If you have access to a credit card, the pressure is great to put basic living needs on the card but the exorbitant fees and interest of credit card companies begin to quickly intensify your financial burden.

Your choices are few when it comes to good household budgeting.

Let’s look at a lean budget. Let’s say your income is $2,000 a month. You can afford the following: $500 a month in rent, $250 a month in utilities, $250 a month for a used car payment and $150 a month for gasoline. This gives you $850 a month to buy food on and buy basic auto insurance. You will have to go through your state medical insurance program and apply for free state health insurance because you can’t afford to buy health insurance.

You also have to figure out how to make more money. You have to work hard where you are and do good so you can get a better paying job. Or, you must gain additional income through a second job. With surging inflation facing our country this makes these numbers an intense strain. Consider living as close to your job as possible to save on transportation costs.

If your income is $5,000, $10,000 a month or more. Your strategy is easier. Your main goal must be to not buy a house or a car that stretches your income to the max. You don’t need the stress. Budget so you can afford to take a vacation or have a play day. Life is short!

Enjoy it along the way. How you budget and spend your money can make you financially unstable or you can live with a feeling of financial security.

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Dr. Glenn Mollette is a syndicated American columnist and author of American Issues, Every American Has An Opinion and ten other books. He is read in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization.

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