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End-Of-Year Giving!

by Tucker Robbins


With just a little more than a month left in the year, many begin to think about charitable donations.  Once you’ve decided on an amount to give, there are a few things to keep in mind:
 

 

  • 1. Did you give last year?  Do a quick check of the organization’s website, or give them a call to see what sort of strides they’ve taken.  If you’re not satisfied, or don’t see progress, consider another charity. 
     

  • 2. As difficult as it can be to narrow your donation to one organization, a larger gift can be more beneficial as one gift, instead of spreading your donations around. 
     

  • 3. Keep in mind that there are thousands of charities who don’t have it in their budgets to advertise.  Consider giving to a local charity, or a national one that’s lesser known. 
     

  • 4. Once you’ve narrowed down your list, call the charities if you can’t find their mission statements online, and ask questions.  It’s the best way to get the information you need. 
     

  • 5. Although there’s nothing wrong with giving to your alma mater or the hospital that took such great care of a family member, find out if your local homeless or domestic violence shelter needs help.  These kinds of organizations usually struggle to make ends meet in providing services. 
     
     

  • 6. Make sure your charity is legitimate, and it’s very important to check their finances. Charity Navigator’s website will let your search a charity’s name and get feedback. 
     

  • 7. Because donations are tax-deductible, the IRS has a search tool that allows you to see what organizations are eligible for tax-deduction gifts. There are other handy options, such as seeing what organizations are no longer allowed to be considered exempt. 
     

  • 8. Avoid scams--charitable giving is at a high at the year’s end, and crooks abound.  Use the above IRS search tool to make sure your charity is legitimate charity. 
     

  • 9. Keep receipts, check stubs or letters of thanks for when you’re filing taxes.  If your donation isn’t monetary, but something valued at over $5,000, the IRS requires an appraisal for your deduction. 
     

  • 10. Do you volunteer? Any out-of-pocket directly related expenses--even mileage--are tax deductible.  
     

  • 11. Keep in mind that last-minute online donations made December 30-31 are eligible for a tax write-off.  

 

Deciding who should benefit from your generosity can be a tough or easy decision, depending on what you already know. Just look for charities that depend on your generosity to keep their doors open, or who need your physical presence to be successful.  Giving isn’t always about money.  

 

Courtesy of New Castle County DE Realtor Tucker Robbins.   

 

Safely Decorating with Outdoor Lights

by Tucker Robbins


It’s time to get the holiday house decorating in high gear, and you may have bought new light strands, but plan on mixing them with ones you have, or adding LED lights.  Safety is important this time of year, and m
aking the days merry and the nights bright means taking a few precautions. 

 

  • 1. Check your old lights for frayed wires, nicks or cuts along the outer cord, and broken bulbs. Broken bulbs can be replaced, but toss the frayed strands, or those with cuts. 
     

  • 2. Decorating the exterior of your house means the lights you use must be made for outdoors.  Check the packaging or tag on the string to make certain. 

  •  

  • 3. Use clips or hangers that are UL-approved--do NOT nail, tack, or staple lights to any fixture. 
     

  • 4. If you’d like to light a tree in your yard, make absolute certain no power lines run through the branches, and keep any lighting at least ten feet from power lines. 
     

  • 5. Make sure your extension cords are specifically made for outdoor use, and have a three-pronged ground plug.  Your receptacle should be a ground fault circuit interrupter (GFCI) outlet in case of electrical overload, it will shut off power.  Portable outdoor GFCI’s are available for very little cost at Amazon. 
     

  • 6. Read and heed all labels when it comes to connecting strings of lights.  If the label says only three can be connected to one another, start a new chain of lights after the third strand is in place.  Also keep in mind that only strands with the same number of bulbs should be connected--in other words, don’t connect a 100-strand with two 25-strands. 
     

  • 7. Keep extension cords away from high-traffic areas, and out from under welcome mats or pavers. 
     

  • 8. Many people start decorating long before Christmas, but be aware that most non-commercial light strands are only safely exposed to the elements for 90 days.  Any longer, and deterioration to the insulation will begin.   
     

  • 9. Avoid using a metal ladder if you’re having to get up high with your lights--use wooden or fiberglass instead. 
     

  • 10. Never leave lights on when you’re not at home, or asleep.   
     

  • 11. If you’re considering adding LED’s to your holiday display, make sure you don’t mix connecting with incandescent.  Going all-LED will be costlier upon start-up, but will save money on your power bill, as well as in replacement costs--LED’s can last up to twenty years. 

 

You don’t want a friendly neighborhood competition to turn into disaster, nor do you want a classic Clark Griswold power outage at home.  Know your home’s electrical limits, and use common sense and care while you’re decorating. 

 

Courtesy of New Castle County DE Realtor Tucker Robbins.

Minimize Holiday Waste

by Tucker Robbins

From Thanksgiving to New Year’s Day, over 1 million tons of extra waste are generated in the United States! How can we reduce that number? It may take some effort on our part, but we can definitely cut back on what we use and throw away during the holidays! 

 

Gift-Giving 

  • - Besides gift cards, give presents that are about presence: a weekend getaway reservation, a year’s pass to a museum or local amusement park, memberships to spas, or concert tickets. 


  • - Thrift shopping is one way to reuse items, and treasures can be found by visiting thrift stores often. Other places to shop for bargains are social media marketplace groups as well as websites that specialize in resale. 


  • - Stop using store-bought gift wrap! Check out these alternatives from How Stuff Works. If you must by anything, look for inexpensive reusable tins, boxes, and gift bags. 


  • - If a gift you have purchased needs batteries, include a set of rechargeable batteries and charger. Rechargeable batteries are becoming more affordable, especially in the smaller battery sizes, and they keep nasty battery waste from going to our landfills. 

 

Holiday Decorations 

  • - Do not throw out a set of lights just because one-half of the strand is not working. Learn about how to check them over, as well as inexpensive tools that are made specifically for repairing lights. If they are truly burnt out, find a recycling center for them instead of sending them out with the garbage. 


  • - Live trees are used in almost half of American homes, but they should not be sent to a landfill.  Learn about different ways to reuse the tree, or contact a conservation group to see if they can use it for wildlife. 

 

Getting Together 

  • - Instead of disposable dinnerware, why not break out the “good” dishes?! Ask everyone to pitch in once the meal is over, and clean-up will be a breeze. 


  • - Recently, many are becoming more aware of food waste. We can cut back on what we throw away by planning well for our meals and party menus and thinking creatively with leftovers. Try using the "Guest-savethefood.com. 

 

Cutting back during the holidays goes against what our society tells us about how we should spend these next few weeks, but even little things like using unconventional gift wrapping for just three gifts can add up. This year, commit to making three changes to reduce holiday waste, and next year, add three more to your list. Consider it a gift to the environment! 

 

Courtesy of New Castle County DE Realtor Tucker Robbins.

Pets and Holiday Food

by Tucker Robbins


The time of year is upon us when we gather together and indulge in our favorite foods.  It’s so easy to slip Fido or Kitty a little scrap now and then, but it may not be such a good idea.  See this list for human foods that may or not be good for your pets
. 

 

  • 1. Turkey may be an ingredient in some pet foods, and a bite or two of cooked, white meat is a nice treat. The skin, however, contains fat as well as spices that can cause an upset stomach, or worse, pancreatitis.  If they get turkey, remove the skin. 
     

  • 2. If you’re celebrating with prime rib, or ham, a few bites of meat without herbs or spices is a nice snack.  
     

  • 3. Bones of any kind can be a real danger because of splintering, and could cause choking as well as a perforated digestive system. 
     

  • 4. Gravy is a yummy treat poured over their regular food, but limit it to a few tablespoonsful.  Gravies are usually too salty for animals, and are high in fats. 
     

  • 5. Before you turn your baked sweet potatoes or pureed pumpkin into pies, pass a spoonful or two along as a treat.  Both are rich in vitamins and high in fiber, and are a great anytime snack. 
     

  • 6. Onions are a definite no--they contain thiosulphate, which is quite harmful to dogs and cats. 
     

  • 7. Stuffing may not only be too carb-rich, but the onions, garlic and spices that most stuffing’s contain can be toxic your pets. 
     

  • 8. Going sugar free? Make sure your artificial sweetener doesn’t contain xylitol, and if it does, make absolute certain your pet doesn’t eat anything it’s an ingredient in. 
     

  • 9. Baked goods contain too much sugar, or may have chocolate, which shouldn’t be fed to either cats or dogs in the slightest amount.  Call your vet if you think they may have eaten anything containing chocolate. 

 

We usually end up going a bit overboard on Christmas, but it doesn’t have to include our pets.  The extra people in the house and hustle and bustle in the kitchen can be a bit much for pets, anyway.  Provide a quiet corner for them so they can get away for a while.  When you sit down for your meal, make sure guests know not to feed the four-legged beggars with the sad eyes. 

 

If you really want to include your beloved canine in your family meal, try this little doggy casserole from The Bark, and cats will enjoy these turkey jerky nibblers that are easy to make! 

 

Courtesy of New Castle County DE Realtor Tucker Robbins.   

First Time Homebuyers Mortgage-Related Junk Mail

by Tucker Robbins

The stress and excitement of buying your first home has subsided, the boxes are unpacked, and your mail is being forwarded to your new address–the house is yours! So why are you getting mail regarding your new home purchase? Our guide will help you discern between what is relevant, and what you should toss: 

 

  • Why are you even getting all these unsolicited offers? Your home purchase is public record. All sorts of house- and mortgage-related “companies” are combing through those records daily, obtaining your information as soon as the deed is filed. 
     

  • Many of these offers come with your lender’s logo or name in bold print. Comparing contact information on paperwork you already have will help discern if it is a legitimate offer from your mortgage lender. 
     

  • Life insurance offers come in droves after purchasing a home, and you are the only one who can decide on what insurance company you choose. Contacting a reputable insurance agent in your local area is probably your best choice. 
     

  • Mortgage protection insurance (MPI) offers are sent to you as well. Such insurance sounds great, as it will pay off your loan in case of death. However, while your loan amount decreases, your MPI premium stays the same, so it would be a better financial decision to have a life insurance policy that is large enough to pay off your mortgage and take care of any other expenses. 
     

  • Many home warranty offers will inundate your mailbox as well. Do a little homework if you are interested, and your buyer agent can probably recommend a few companies. 
     

  • Do not just toss or shred anything you suspect may not be legitimate. Read the entire mail contents, look for spelling errors, generic information, and disclaimers–read everything, especially the fine print. Call your lender if you are not sure about something that looks official. 
     

  • If the former homeowner continues to receive mail at their old address, mark it “Return to Sender,” place it back in the mailbox, and allow the USPS or the company sending the mail to locate the former residents address. 

 

One great and secure tool you can use to stop receiving anything related to your finances (refinancing offers, credit cards, etc.), is OptOutPreScreen.com. A joint effort of credit companies Equifax, Experian, Innovis, and TransUnion, this site is free to sign up for five years or permanently.

 

Courtesy of New Castle County DE Realtors Tucker Robbins.

Easy Halloween Decorations

by Tucker Robbins

Halloween is quickly becoming the most popular holiday in the US.  You don’t have to break the bank for decorations, though.  There are many ways you can prepare for the fun-filled holiday with inexpensive, everyday items. 

 

  • 1. Save gallon milk jugs, and wash them out thoroughly.  Use permanent black marker to draw ghostly faces on the sides, then add a few rocks or marbles for stability. Place a string of battery-powered LED lights inside, and place the jugs along your walkway or steps for a ghostly path to your door. 
     

  • 2. Wrap white crepe streamers around your front door mummy-style. Cut two big eyes from white and black construction paper, and tape them to look like they’re peeking out of the strips.  Instant spooky! 
     

  • 3. Pumpkins are cheap and plentiful this time of year. Using child-safe carving kits, have the kids get in on the fun of carving a jack-o-lantern.  http://pumpkinlady.com has over 700 free templates to download and print. 
     

  • 4. Use black construction paper to cut out basic ghost figures, bats, owls or cats.  Tape them to your windows, and when the lights are on at night, the silhouettes can be seen from outside. 
     

  • 5. Make it look like specters are watching over your yard.  Keep a few paper towel or toilet paper roll tubes. Carefully using scissors, cut different eye shapes in them.  Tape glow sticks inside the tubes, and hide them in your shrubs and bushes. 
     

  • 6. Grab a straw wreath, a few bags of faux spider webbing and plastic spiders at your local dollar store. Wrap the wreath with the webbing, and criss-cross a few strands across the middle for a cobweb effect. Hang or hot glue the spiders in different places around the wreath, add a Halloween bow, and hang on your front door. 
     

  • 7. White tights can be repurposed as spider eggs.  Cut the tops off, leaving the legs open.  Add a baseball or softball to the toe, and glue or hot glue plastic spiders to the “sac.” Hang the eggs from trees (away from walking areas) or light fixtures for a really scary look. 
     

  • 8. Make some ghostly guests out of unused tomato cages.  Turn them upside down, and push a large <span class="SpellingError SCXW40208206" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; background-repeat: repeat-x; background-position: left bottom; background-image: url(" data:image="" gif;base64,r0lgodlhbqaeajecap="" 8aaaaaaaaaach5baeaaaialaaaaaafaaqaaaiilgaxcchrtcgaow="=&quot;);" border-bottom:="" 1px="" solid="" transparent;"="">styrofoam ball down onto the ground wires.  Add lights around the cage, and drape a piece of white cloth or old sheet over the cage. 
     

  • 9. Add plastic snakes, spiders and insects purchased from a dollar store to your welcome mat. 

 

Spooking up your yard for Halloween doesn’t have to cost a great deal.  Whether you want frightening or fun, decorating with household or inexpensive dollar store finds can be a family project.  When the big night arrives, make sure you have plenty of candy, turn on your porch light, play some creepy music, and enjoy the evening. 

 

Courtesy of New Castle County DE Realtors Tucker Robbins and Carol Arnott Robbins.   

 

Photo credit: Reader's Digest, rd.com

Making an Offer is a Process

by Tucker Robbins


While you’re on the house hunt, every property you see just might be “the one.”  It’s a good idea to learn the different aspects of buying a house before you get into them.  Many discover that after they’ve made an offer of purchase, the process isn’t exac
tly as they’d envisioned! You’ll feel confident when you get to this step by following this guide: 

 

  • - The offer itself isn’t just a price you’re willing to pay for the property; closing date, closing cost contribution, contingencies, or the earnest money deposit are all things that are normally included when the offer is submitted to the seller. 
     

  • - Talk with your agent before you come to your initial price, because you don’t want to insult the seller with a very low offer, nor do you want to pay too much for the house. 
     

  • - Although you won’t always get a complete answer, knowing why the house is on the market can give you some leverage, so ask anyway. Some sellers are in a time crunch and are eager to sell and may take your first offer. 
     

  • - Keep in mind that there are legal aspects to writing a proposal.  Your Realtor will know all the aspects of this part of the process and will take you through each step. 
     

  • - It is very likely that the seller won’t accept your price if it’s less than what they’re asking.  If they want to sell and have no higher offers, they may choose to send a counteroffer.  The counteroffer step is nothing to worry about, if the negotiations are getting you somewhere.   
     

  • - Some sellers will counteroffer with their original asking price.  If this happens, you may have to walk away, as they have shown they’re not interested in moving away from what they want for the property.
     

  • - Don’t forget that you may not be the only buyers interested in the home!  Realtor.com® offers some advice on how sellers might handle multiple offers and some ideas on how to make your offer stand out. 

 

When your offer is accepted, it’s exciting, but there is still work to do!  Hopefully, you have pre-approval for a mortgage, making the buying process a much smoother one.  There are added costs associated with buying a home, so be sure you have your finances in order.  

 

Courtesy of New Castle County DE Realtors Tucker Robbins and Carol Arnott Robbins.   

 

Photo credit: jetdirectmortgage.com

Neighborly Advice in New Castle County DE

by Tucker Robbins

In days gone by, when someone moved into the neighborhood, casseroles, cookies, local information and cookout invites were offered by residents up and down the street.  With so many differences in today’s society, some people never even see their neighbors, let alone know their names.  Even if we don’t have “good” neighbors, let’s see how we can be one: 

 

Generally Speaking 

  • - First and foremost, keep your lawn and home maintained.  Don’t spend your first Saturday morning in the neighborhood mowing grass or hammering away at a project at dawn, but keeping your yard neat and your home looking good will let the other residents know you care about your home and community. 
     

  • - Noise plays a factor, especially if homes in the neighborhood are close together.  Keep music, children and animals quiet after 10 PM, and if you’re having a backyard gathering, take it inside if guests are still with you late into the evening. 
     

  • - Pets are a part of our families, but not everyone loves your frisky pup like you do. Keep dogs and cats off your neighbors’ property, and install fencing in the backyard if it’s not already there.  Clean up after your pet on walks. 
     

  • - Find out when trash pick-up is and take your cans to the curb on time.  No one wants to see (or smell!) overflowing cans or bags of garbage piled along the curbside.
     

Getting to Know You 

  • - Once you’ve gotten partially settled, if you see someone outside, introduce yourself.  Even if the neighbor doesn’t seem to want to be best friends, you can at least share what you do for a living, your name and phone number, so they’ll know your general schedule and how to get in touch with you if necessary. 
     

  • - Weather permitting, host a front porch gathering, and invite your neighborhood.  Offer light refreshments for the meet-and-greet, and have it in the afternoon before dinner time so no one feels pressured to stay.   
     

  • - Create a social media neighborhood group or join an existing one.  It’s a good way to see what’s going on, as well as getting to know those who don’t live in your immediate vicinity.   
     

  • - Communication is key when it comes to your neighborhood.  Let your closest neighbors know when you’ll be away, having a tree removed, planning on new construction, when you’re having a party, (invite them, whether they show up or not!), garage sale, or any other activity that can affect them and their surroundings. 

 

When you’re on a friendly basis with everyone on your street, it sure makes living there a lot easier.  Keep in mind the golden rule to treat others the way you’d like to be treated, and others will see that you’re respectful and friendly.  You’ll be helping not only keeping your community a great place to live, but living peacefully amongst your neighbors.

Courtesy of New Castle County DE Realtors Tucker Robbins and Carol Arnott Robbins.   

Photo credit: cbjenihomes.com

Summer to Fall Changeover Outdoor Spaces

by Tucker Robbins

Summertime means spending time outside, and our outdoor living spaces reflect that. Just because it is almost fall, however, does not mean wrapping it all up and putting it away! There are many simple ways to transform porches, decks, and patios for use in cooler weather. Here are some simple ideas that will keep us outdoors a little longer. 

 

  • When the summer blooms of potted plants fade, repot the containers with ornamental grasses, decorative kale, pansies, marigolds, and chrysanthemums.
     

  • Cover pillows and cushions with washable covers in neutral tones with splashes of reds, golds, and greens to add fall color to an outdoor seating area. 
     

  • Drape light blankets over the backs and arms of seating for use on chilly evenings. 
     

  • The days are getting shorter, and good lighting for outdoor spaces is essential. Use LED-lighted torches, candles, and lanterns tables for soft, relaxing lighting without spending much money. 
     

  • Add a cozy outdoor area rug to ward off cold feet and add texture to the space.
     

  • Block chilly breezes with curtains! Create these simple no-sew outdoor curtains from drop cloths that can also be tied back to allow the sunshine in on warm days. 
     

  • Buying or creating a firepit invites everyone to sit around on a chilly evening. Get creative with ideas for 57 types of DIY firepits from morningchores.com. 
     

  • If an outdoor fire is not possible, outdoor heaters come in many styles and price ranges and use electricity or propane to keep everyone warm. 
     

  • Finally, when the pumpkin patches open, get a variety of pumpkins, gourds, and other fall produce, and tuck them into container plantings, or create a centerpiece or tablescape. 

 

Just because the days are shorter and nights are cooler does not mean the outdoors are not to be enjoyed! Spending time outdoors is proven to help alleviate stress, make us feel happier, and may help us sleep better, especially if we can catch the sunset and nightfall. Neglecting a much-loved outdoor space just because it is fall defeats the purpose; it was created to be used, and what better time of year to make the most of it than autumn? 

 

Courtesy of New Castle County DE Realtors Tucker Robbins and Carol Arnott Robbins.   

 

Photo credit: Better Homes and Gardens

Making Your New Neighborhood Feel Like Home

by Tucker Robbins

Congratulations! You’ve survived the process of leaving one home and finding another and the onus of packing everything up and then unpacking the same boxes.  You’ve found a new bank and a new doctor; you’ve investigated trash pick-up times, licensing requirements, and car registration; and your mail is being forwarded on a regular basis.  So far so good, but now that you’re somewhat settled in your home, it’s time to become familiar with your new environment.

The following tips are designed to help you become part of your new community and re-create the sense of belonging you had in your previous location.

  • Go online to learn about the new area and what it has to offer. Look at the city or chamber of commerce website. Research religious facilities, cultural opportunities, parks and outdoor activities, and so much more!
     
  • Acquire a regional map and drive around. Explore shortcuts and pinpoint the location of shopping malls, medical services, libraries, the post office, city offices, etc.
     
  • Talk to neighbors. Ask advice about home maintenance companies, babysitters, doctors, or the civic league or homeowners’ organization association.
     
  • Take a walking tour of your neighborhood. Introduce yourself to and initiate conversations with neighbors who are outside. Compliment their yard or ask directions, for starters.
     
  • Attend garage/yard sales in the vicinity of your home. Shoppers at these events are generally friendly and gregarious, so talk to them.
     
  • Read the local newspaper to discover places of interest and happenings in the area. Look for clubs or group meetings that focus on your interests--art, gardening, books, sports, crafts, e.g.
     
  • Join a recreation center or gym. Attend classes there or work out with a group that you know will share your interests.
     
  • Volunteer. Check with a church or synagogue, a hospital, library, or school near you. Volunteering is a terrific way to meet people and to make you feel an integral part of the community.
     
  • Give a house warming party and invite all your neighbors. Such an occasion is a good reason to finish unpacking and decorating your new home and a wonderful way to make friends..

Before long you will become familiar with your new environment and be comfortable there. Best of all, you will “belong” once again! 

Courtesy of New Castle County DE Realtors Tucker Robbins and Carol Arnott Robbins.   

Photo credit: istock

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Photo of Tucker Robbins Real Estate
Tucker Robbins
Berkshire Hathaway HomeServices
3838 Kennett Pike
Wilmington DE 19807
(302) 777-7744 (direct)