If mortgage rates stay below 4%, while prices rise and inventory remains tight, we could see a real estate market in 2020 that is even stronger than 2019 with homes prices increasing again, perhaps even 7% or more. That's good news for sellers. Buyers should think about taking advantage of these record-setting low interest rates now.

Now is the time to buy or refinance while interest rates remain at all-time lows. Well valued and priced inventory will sell rapidly across the holidays and into the winter season. The psychological highs and lows surrounding buying or selling a home today are tremendous. Both buyers and sellers need solid advice from a professional who can filter the noise and help them make intelligent, informed decisions.

Automatic and Programmable Thermostats

In our modern, high tech society, we don't think much about some of the electronic gadgets in our homes. Take, for example, the ever present thermostat--a staple of North American households for decades. It usually takes the shape of an unassuming box on the wall, but that modest device controls the comfort of your family on the coldest day in January and the hottest day in July.

Don't Pay Another Cent in Rent To Your Landlord

It's a dream we all have - to own our own home and stop paying rent. But if you're like most renters, you feel trapped within the walls of a house or apartment that doesn't feel like yours. How could it when you're not even permitted to bang in a nail or two without a hassle. You feel like you're stuck in the renter's rut with no way of rising up out of it and owning your own home.