T. Jay Johnson Jr. - RE/MAX Property Promotions



Posted by T. Jay Johnson Jr. on 7/26/2019

With jobs, school projects, extra-curricular activities, after-school programs, and shopping, most families would rather eat on the run. Swinging through a fast food restaurant on your way to the next thing might be all you can fit in most evenings. But an ever-growing body of evidence points to the fact that shared time at the dinner table, as a family, improves family life, assists in weight control and helps children learn to communicate.

Family dinner also gives an opportunity for teaching moments: those organic times you can instill your values into your children. Here are some benefits that come with eating together.

  • Self-esteem. When the family sits around a table, each person is facing the group. When anyone speaks, the others automatically look at them. So, when your children tell you something at the table, they more often believe that you actually hear them, and you automatically acknowledge it if even simple by your gaze.
  • Sharing food together teaches children to wait their turn, to take portions for themselves while leaving equal portions for other family members, and to make certain everyone gets enough to eat. After all, they can see everyone else's plate, so an empty plate is more evident than when everyone is staring at the television or out the car window.
  • Communication. Because you control the background noise in your home, you can facilitate communication. A noisy restaurant might be difficult for a family member to talk over, but in your own home, you can set the noise level at dinnertime.
  • Eating together more often directly correlates with healthy eating patterns. Home cooked meals often include more vegetables and fruits, and less processed foods that are healthier for all family members.
  • The American College of Pediatricians publishes research that shows family eating time promotes less drug use, smoking, alcohol consumption, and other high-risk behaviors among teens, and less teen depression.
  • In small children, sharing the family table improves language acquisition and development while teens sharing family dinner seven times a week are almost forty percent more likely to receive higher grades in school.

Regularly sharing meals together gives the whole family an opportunity to share in the lives and interests of the other family members. Because the parents make the “rules” at the family table, children and teens (and adults) are less often absorbed in their electronic devices and spend more time actually interacting with other family members. Memories often form around shared times of breaking bread.




Tags: dinner   kids   family fun  
Categories: Uncategorized  


Posted by T. Jay Johnson Jr. on 7/25/2019

This Single-Family in Fitchburg, MA recently sold for $215,000. This Colonial style home was sold by T. Jay Johnson Jr. - RE/MAX Property Promotions.


75 Smith St, Fitchburg, MA 01420

Single-Family

$204,900
Price
$215,000
Sale Price

7
Rooms
3
Beds
1
Baths
Tucked away...on a Dead End street. Clean and neat. The owners have lovingly cared for this home over the years. Improvements include a NEW ROOF in 2006, NEW FURNACE in 2012, NEW SIDING in 2006, and HOT WATER TANK replaced in 2014. 1st Floor Master Bedroom, Dining room, Kitchen, and Living room with Pellet Stove are on the 1st Floor. 2 additional Bedrooms and Family/Play Room are on the 2nd level. Enjoy convenient access to a freshly painted and updated 10x12 Deck just off the kitchen. Great for outside dining/entertaining. Enjoy the level yard with Above Ground Pool, Patio, and convenient/accessible Storage for lawn and pool items . NuPro windows. Circuit breaker panel wired with generator power inlet box. Generator will convey. Close to Shopping, Dining, FSU, Movie Theater, and more. 5 Minute drive to Commuter Rail.

Similar Properties





Categories: Sold Homes  


Posted by T. Jay Johnson Jr. on 7/19/2019

Many people spend most of their times indoors and don't pay attention to the quality of air that they breathe in. Some also do not consider the quality of the air as something important until it becomes an issue. According to the findings of NASA, indoor air pollutants form part of the top risks to public health.

Indoor air is sometimes stagnant with poor ventilation, and this gets neglected because it doesn't seem like an issue. Stale air can cause sickness or make you feel uncomfortable. Cleaning the air around the home can be done using a natural and easy method. The trick involved in improving the air quality of a home or office has to do with the use of houseplants. Some houseplants help to improve the air quality of our space.

Looking at the houseplants ordinarily, they seem like they are not doing anything, but they are performing an air-purifying function. They work at improving the quality of our air by taking in carbon dioxide and other particulates from the atmosphere and release the much-needed oxygen into the environment. Here are five plants that improve our health and wellness that also require little shade, water, and care: 

Aloe Vera 

Aloe Vera is an important, all-purpose plant that is easy to maintain. The plant thrives well, and its leaves can be used to treat wounds and sunburns. This plant can grow to about three feet without much demand for water – you can decide to water the plant once in a week or two, and it won't be adversely affected. 

Spider Plant

The Spider plant is ideal for those without green thumbs. It is one houseplant that is easy to grow and maintain. The plant thrives in bright and indirect light. It removes harmful formaldehyde as well as xylene from the atmosphere and keeps air fresh, especially where the ventilation is poor.

Garden Mum

The Garden Mum plant purifies the air, removing harmful gases like benzene, ammonia, Xylene, formaldehyde from indoor air. They are well-known, inexpensive, and can be planted outside once they finish blooming.

Bamboo Palm 

The Bamboo palm requires full sun as well as a bright light to flourish. They grow as high as 12 feet, removing a considerable amount of impurity from the air.Peace Lily They are perfect beginner plants that produce attractive white blooms and flourish without much care. They purify the air by removing trichloroethylene, benzene, formaldehyde, and ammonia from the air. 

Visit your local gardener today to choose a house plant to keep your home air fresh.




Categories: Uncategorized  


Posted by T. Jay Johnson Jr. on 7/12/2019

Paying off a mortgage early is a dream of many homeowners. By making larger payments on your home loan, you can cut years off of your loan term and save thousands of dollars in interest payments that you can use toward savings or investments. But in an economy that has seen decades of wage stagnation and increasing costs of living, it can often seem like an unattainable goal.

With some planning and initiative, however, there are ways to pay off your home loan before your term limit.

In today’s post, we’re going to talk about three of the ways you can start paying off your mortgage early to avoid high interest payments and save yourself money along the way.

1. Refinance your mortgage

If you’re considering making larger payments on your mortgage, it might make sense to look at refinancing options. Most Americans take out 30-year, fixed-rate mortgages.

If you can afford to significantly increase your mortgage payments each month, you could refinance to a 15-year mortgage. This will save you on the number of interest payments you’ll have to make over the years. But, it will also help you secure a lower interest rate since shorter term mortgages typically come with lower interest rates.

This option isn’t for everyone. First, refinancing comes with fees you’ll have to pay for upfront. You’ll have to apply for refinancing, get an appraisal of your home, and wait for the decision to be made.

But, you’ll also have to ensure that you can keep up with your higher monthly payments. If your income is variable or undependable, it might not be the safest option to refinance to a shorter term mortgage.

2. Make extra payments

An option that entails less risk than refinancing is to simply increase your monthly payments. If you recently got a raise or are just reallocating funds to try and tackle your mortgage, this is an excellent option.

Depending on your mortgage lender, you may be able to simple increase your auto-pay amounts each month, streamlining the process. Otherwise, it’s possible to set up bill-pay with most banks to automatically transfer funds to your lender.

3. Bi-weekly payments or one extra payment per year

Making bi-weekly instead of monthly payments is an option that many homeowners use to pay off their mortgages early. Bi-weekly payments work by paying half of your monthly payment once every two weeks.

The vast majority of homeowners make 12 monthly payments per year. But by switching to 26 bi-weekly payments, you can effectively make 13 full monthly payments in a year without seeing too much of a difference in your daily budget.

This doesn’t seem like much savings in the short term, but let’s take a look at how much you could save over the term of a 30-year mortgage.

On a 30-year fixed mortgage of $200,000 with a 4.03 annual interest rate, you would make a monthly payment of $958.00 and a bi-weekly payment of $479.

Over 30 years of an extra monthly payment, you could save nearly $20,000 on the total interest amount and pay off your mortgage almost 5 years early.




Categories: Uncategorized  


Posted by T. Jay Johnson Jr. on 7/10/2019


Lot 18 Royalston Rd, Phillipston, MA 01331

Land

$29,900
Price

1.80
Acres
Residential
Land Type
Opportunity to build your dream home. Enjoy nature on this wooded lot with young trees and ample frontage. Shopping and other amenities nearby. Buy now, build later. Located just 5 minutes from Rt 2.
Open House
No scheduled Open Houses

Similar Properties





Tags: Real Estate   Land   Phillipston   01331  
Categories: New Homes