Dewey Beach, DE homeowners who regularly watch the “Today” show or Fox Business, or who listen to NPR’s “All Things Considered” on the drive home from work may already be familiar with the views of Liz Weston, a regular contributor to ATC and a number of other leading media outlets. Her best-selling book, “Your Credit Score-Your Money & What’s at Stake” is a years-long bestseller, rating 4+ stars on Amazon. 

Weston, who is also a best-selling author, frequently unearths practical takes on day-to-day household financial matters. One recent research report appeared in nerdwallet.com under the tantalizing title, “The 3 Biggest Financial Decisions You’ll Ever Make.” Unexpectedly, the momentous choices she revealed aren’t directly financial in nature. They don’t deal with things like opening a savings account or picking stock market winners. Instead, all three are key lifestyle decisions that research shows are directly correlated with financial stability:

1.      Education level. Over the 24-year period from 1990 to 2013, the median net worth of the families studied soared for those highly educated—and dropped for the others. The difference between those who didn’t finish high school and two- or four-year college grads was striking.

2.      Marital status. Married people showed almost double the net worth of those who never wed. Even so, —divorced persons were worse off than never-marrieds for as long as ten years after the split.

3.      Homeownership. The decision to buy and retain a home “can have the biggest impact on your wealth.” By the final year of the study, the gap between the net worth of homeowners and others was $195,000 for the homeowners versus $5,400 for renters.

That these lifestyle choices wind up being crucial financially won’t come as a surprise to Dewey Beach, DE homeowners. Helping make the most of that decision is where I come in. I do hope you’ll give me a call! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com

Readwrite.com is an engaging online publication that examines all sorts of brain-teasing futuristic innovations. They write about everything from Facebook (“started as a place to meet people at your college…then the place to meet the people you used to know at college…now it’s not quite clear what it’s for…”) to mapping Mars in 3D.

One of their beats is the future of real estate. So their recent examination of the “Internet of Things,” How IoT is Infiltrating the Real Estate Market, looked to offer a wary examination of IoT—“The Internet of Things”—as a subversive disrupter of the way traditional Dewey Beach, DE real estate business is conducted.  

 The Internet of Things is the technology that enables a galaxy of devices to connect to the web to perform “smart” functions in a coordinated manner. Readwrite’s piece described how IoT is “popping up everywhere”—seeping its way into many diverse industries. It explored four key areas where IoT inroads are “having a profound impact on real estate”: 

·         Energy efficiency. “Smart” lighting, for instance, adjusts lighting to respond to changing conditions, and WiFi-enabled water heaters allow owners to control times of day when hot water will be needed—and when not. Similarly, plumbing sensors can be installed to measure temperature changes to determine usage patterns.  

·         Maintenance costs. IoT monitors can track usage and sense irregularities in equipment performance—then send automatic alerts when maintenance is indicated.

·         Decision-making. In this arena, all of a given Dewey Beach, DE property’s IoT systems can be coordinated to analyze a home’s condition and prospects for the future. It will provide owners, Realtors®, and house hunters with “all the information they need” to compare home evaluations.

·         Beacon tech. This technology uses Bluetooth devices placed throughout a home capable of transmitting information (everything from square footage to 360-degree virtual tours) via the Internet. Potential homebuyers whose phones come within Bluetooth range could link to begin viewing a property “before the Realtor arrives to begin a showing.”  

The last two examples are interesting and potentially valuable, but since nothing can replace the experience of an in-the-flesh walkthrough accompanied by your own real estate agent, the arrival of such “infiltrations” should be only mildly disruptive.

Canny Dewey Beach, DE buyers may not be planning to sell their new home anytime soon, but they are aware that innovations may impact its value in the future. Along those lines, it’s my job to stay abreast of where Dewey Beach, DE real estate is headed—and emerging IoT innovations are a growing part of that. Call me anytime! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com

The headline promised “Ways to Dramatically Lower Your Home Insurance Costs”—there were six of them—and indeed, it was followed by some sage economic advice. Insurance isn’t often accompanied by high drama, but CNBC’s website can be forgiven for the hyperbole. The guidance for Dewey Beach, DE homeowners was useful.  

The six dramatic homeowner insurance cost-cutting items were a mixed bag—with three of them boiling down to variations on a single theme:

·         Do your homework—and do so every year. When your agent sends you the annual renewal notice, that’s your cue to take the time to give your current coverage a critical once-over. Another point was aimed at the same idea: Talk to your insurance agent every year; as was the third point: Shop around every few years. Web portals (CNBC names Insure.com and InsuranceQuotes.com) can make gathering quotes easier than used to be the case. But a caution is in order: check the reputations of low-quoting companies.

One study turned up the fact that the majority (two-thirds) of U.S. homes are underinsured by an average of more than 20%. Stricter Dewey Beach, DE building codes can make rebuilding an older home 25%-50% more costly. That kind of shortfall would be dramatic! The other key points were aimed at preventing such an outcome:

·         Hike your deductible. This strategy is aimed at allowing Dewey Beach, DE homeowners to hike their coverage without increasing the premium. Since making small claims is a sure way to increase next year’s premium, most people don’t make them, anyway—so increasing your deductible makes good economic sense.

·         Get every discount. Bundling your auto insurance with the same company is already well-“dramatized” in ads, but some others—like having upgraded your roof or windows or having made energy-efficient alterations—can result in premium savings, too.

·         Consider flood insurance. Dewey Beach, DE homeowners who aren’t in an officially designated flood zone may not think about it, but typical policies do cover wind damage and exclude flood damage.  

Another result of keeping Dewey Beach, DE insurance policies up to date is actually pretty undramatic—it’s the peace of mind it brings. Feel free to call to chat whenever questions arise about your own Dewey Beach, DE real estate matters! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com

Here’s an idea from one homeowner who’s just completed a complicated exit from a sizeable house to a smaller property. It’s a last-minute strategy that could be helpful for Dewey Beach, DE readers who are planning a similar downsizing move.

Currently, the Boomer generation leads the pack of Dewey Beach, DE downsizers who face similar associated challenges. They’re emotional as well as practical—and this idea could be helpful on both scores.

The challenge of downsizing comes with paring down all the sheer scale of household bric-a-brac that builds up over the course of daily living. Some of the stuff may be saleable, but especially lately, because downsizing is becoming so rampant, most is not. The old, non-electronic ingredient scale may be perfectly functional but is currently more likely to end up in a landfill instead of on anyone’s kitchen counter. Why it wasn’t disposed of when the spiffy newer gizmo took its place is just human nature—we hesitate to throw things out when they still work!

But for older Dewey Beach, DE downsizers, there’s an emotional dimension to the process. When you’re wading through those boxes that haven’t been opened for ages to see if they’re of value, you find yourself with a dilemma. You can’t just toss all those cartons filled with envelopes jammed with pictures of bygone days—even when you know only a few are true gotta-save keepers. Every carton may have an irreplaceable family heirloom tucked in there alongside its eminently disposable cousin—but as a practical matter, when the moving van will soon be idling in the driveway, unless you are a hyper-organized person, the amount of time it would take to go through everything won’t be left.

The solution this householder found was to locate a storage facility halfway between the old home and the new. In their case, moving from a 6,000 square foot property to one half that size an hour’s drive away was aided greatly by temporarily renting a 10’x20’ unit. The space wound up being packed with assorted chests, cartons, pieces of luggage. There were even gardening tools that might or might not be useful in the new property—they would be stored until a few months of experience determined whether they’d be valuable or not.

Having this “halfway” solution can relieve a good deal of the deadline-induced stress that any move entails. Another stress reducer is being able to rely on an experienced real estate pro helping with all the other details of buying and selling any Dewey Beach, DE property. I’ll be standing by to help! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com