Was that my last watch?

November 23, 2012

I’ve gone through a number of watches in my life, most of them relatively inexpensive (one could say cheap, but how crass is that) watches from Timex and the latest from Gruen. The newest watch, the Gruen, was I believe about $30 at Kohl’s. It has a Quartz-based time-keeping mechanism, so I assumed ti was fairly accurate. It seemed to be while it lasted.

The watch is still ticking away accurately but the cheap expansion band that it came with has broken. At $29 for the whole thing, it is likely not worth trying to get the band repaired and I’ve started thinking maybe this is the time (no pun intended, although hat was a good inadvertent one) to get rid of wrist watches for good.

Almost no one younger than 20-25 wears a watch anymore. They look at their phone instead. Modern smartphone, and for that matter almost all phones these days, have the time displayed when they are in idle mode. So not only do modern kids do everything on importance to them through their phones, they also use it in place of a watch.

So, now I’m faced with the dilemma of what to do about telling me the time. I almost always have my phone with me; so checking it will give me that information; however, I find myself constantly checking my non-blank wrist to see what time it is. Old habits like that die hard.

I may just have to break another old habit and move along with the tide of the 21st Century. I’ll let you know if I can get along without my wristwatch. Hey, by the way , do you know what time it is?

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Posted by Norm Werner

Get help for your parties

November 21, 2012

We’re entering the heavy party season, which will last right through New Year’s Day. I recall when I used to party hardy, but now I hardly party. Some of that is because of the work involved in throwing a party and some due to concerns about getting a ticket (and heaven forbid a DUI) for driving home after a few too many.

As a service to my Web site visitors (and to my readers here), I have posted some Seasonal Business Referrals on my Move to Milford Web site. Check them out if you need help throwing a great party that everyone can enjoy without worrying.

As you are planning your party you will probably come up with a list of things that you need, but don’t have – extra tables and chairs and other things that you really only need once for the party. Don’t run out and buy anything. Call Paula Phaneuf at Uncle Buck’s Party Rental – 248-666-5432 or visit them on the Web at www.unclebucksparty.com and rent it for the night. There’s probably not anything that you need that Paula can’t supply to make it a memorable party.

The first is for a local catering service – Two Women and a Tray. Milford-based  Wendy Brown can not only cater the food for your party, but she can also supply servers, if needed. Check the company out at http://www.freewebs.com/twowomenandatray/  You can relax and have a great party if you don’t have to worry about the food.

Contact Wendy at 248-894-0531 or email her at wb2womenandatray@comcast.net

Another great touch to add class to a party and some peace of mind is to have a SafeServ certified bartender to serve your guests and keep and eye out for someone who is having too much. Heather Marquis is a professional (and Michigan ServeSafe Certified) bartender who will bring that little extra to your party. She can mix up specialty cocktails or just be there to serve your guests beer and wine – all with a smile that will light up the room.

You can reach Heather on her Web site – http://heathershappyhour.weebly.com/ or on Facebook at http://www.facebook.com/heathershappyhour or call her at (248) 242-3887

The final service that you may wish to consider or recommend to friends involves the driving home part. No one wants to get pulled over and perhaps get a DUI ticket on their record. The local business SnowBird Drivers has a service that provides drivers for the night. Snowbird Drivers was co-founded by George Hayden and Rick Tymoc originally to provide the service of driving people’s cars to Florida or other warm climes in the winter. They have since added quite a few services, including fleet car moves and this designated driver service. They use you car and basically drive you to and from the party. They don’t go to the party and don’t drink while on duty, so you get a sober driver to make sure that you get home safely. The cost is certainly less than what a DUI will cost you. Call 248-381-4099 or Toll Free: 866-381-4099.

So, get out of your hardly party rut and party hardy again! With the help of these folks you can relax and enjoy your party as much as your guests do.

 

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Posted by Norm Werner

Dealing with Dumb and dumber…

November 17, 2012

It is so tiresome to have to spend my time fixing Microsoft’s problems. One would think that after 30+ years of making PC operating system software Microsoft could get it right enough to keep the system operating, even if there are upgrades to stuff (especially if it’s Microsoft stuff to begin with). Yet I have struggled for two days, going to on-line forums and trying the advice that I found there to get sound back on my HP laptop – all to no avail.

Sound which was working a few days ago just stopped  working recently. Oddly enough there was also one of those Annoying Microsoft Updates that took place just at about the same time. Now I’m trying to get sound back. It says it’s working when I do all of the recommended  troubleshooting, but no sound is coming out of the speaker or the headphones if I plug them in. I’ve uninstalled and reinstalled the CODEX driver for sound – nothing. I’ve run all of the recommended trouble shooting software  – nothing. I even bought RegCure to fix the registry (it found 1024 problems ion my computer and fixed them, but none had any impact on the silence).

I’m not sure what is next. It would be to junk this Microsoft/Intel  PC and get into an Apple PC, if I could afford it. Alas I’m stuck with this MicroTel mess that the modern PC has evolved into.

Today, after having tried for two days to fix the mess of Dumb, I hit Dumber from Comcast. All of a sudden my internet stopped working…sort of. I could get to some things but not others. I could get email but I couldn’t “see” my own web sites. At first I thought it must be the host for my sites, but they quickly responded that everything on their end was OK. So, I call tech support for Comcast and eventually got them to admit that the problems that I am experiencing were because of “the outage”. I asked what “the outage” was and of course it is the problem that is causing my problems…no explanation of where or why or when it will be fixed… just the vague explanation that things should be good in 2-3 days, unless I want to buy some chargeable tech support and then everything could be better right away. Now, I really didn’t buy into that, but it seemed a sleazy thing to even offer at the time.

So, I’m still suffering through “the outage”, which means that internet service comes and goes and is relatively random, in terms of what it is when it works. Now I have a mute PC that can only sometimes connect to the Internet and I’m at the mercy of Dumb and Dumber to make things better. I may have to move to an Apple PC on a 4GL public carrier network to get these problems resolved. I certainly have little faith that MiccoTel and Comcast will provide any real help. They are the problem, not the solution.

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Posted by Norm Werner

Milford Area Market Report

November 15, 2012

There are lots of articles about the national real estate market and the occasional article about the Michigan market; but how are we doing locally? Here’s my attempt to give you a snapshot of our local market. I invite you to visit my web site www.movetomilford.com if you want to see all of the statistics that I have been collecting all year long. I’ll use a combination of charts from Altos Research and my own local market data from the Multi-List Service, which I update and report weekly.

The Milford market (Township and Village) –

Year-to-date Stats thru November 11 –

Key – SEV = State Equalized Value (what the assessors thought they were worth), DOM = Days on Market, the last two are what the sellers ask and got per square foot for the homes

The Commerce Township market –

Year-to-Date Stats –

The Highland Township market –

Year-to-Date Stats

The White Lake Township market –

Year-to-Date Stats

Great stats and charts, but what does this all mean?

You can see just in four markets that are right next to each other how volatile and variable the real estate market is right now. The Milford market is generally up in home sales values; however the chart also points to both inventory and average sale values falling. That is because so much of the middle of the normal market is still frozen and what is selling lately has been mainly on the lower end. That inventory has fallen too, so right now it’s just hard to find a good house in Milford.

The Commerce market, which includes data from Walled Lake and Wolverine Lake, has sort of flat-lined out at the current level. At least that level was generally higher than the market has been, but the Commerce market is still dominated by lower end sales and enough foreclosures and short sales to keep values under $100/Sq Ft for the year. The Commerce market actually broke through the $100/Sq Ft barrier in October and you can see that if you go look at the archive of monthly stats that I keep at the www.movetomilford.com web site.

Highland Township’s market looks to be following a traditional supply vs. demand curve, with average sale values going up as the inventory comes down. The Highland market has actually been over $100/Sq Ft for three months now, but it was so depressed for a long while that it will take a bit before that is reflected in the Y-T-D stats. You can still get a fairly good deal on homes in Highland.

The White Lake market trails the rest and has yet to react to the falling inventory by showing higher average sale values. White Lake is another market that has been greatly impacted by foreclosures and short sales. The market is still about 40% distressed sales and you can still finds homes for under $90/SqFt. You will also find more lower-priced homes in White Lake than in the other three.

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Posted by Norm Werner

Give universally but help locally…

November 12, 2012

There are so many very good causes begging for our attention and contributions these days. Almost all are legitimate, although some charity appeals come from fund-raising companies that keep as much as they pass on to the actual underlying charity. The really big causes – cancer, heart disease, muscular dystrophy and such – have huge fund-raising machines going all of the time. They are worth causes and giving to them will make you feel better; however, it’s a short-lived feeling because you just ship your donation off to somewhere and don’t really see how it’s used or any results from your small contribution to the cause. Still, we all need to support those big efforts because they will benefit us all.

There are also lots of local charities and organizations doing good works right in our community. With those, there are not only opportunities to give money; but, also lots of opportunities to o hands-on service work; the kind of work that will give you good feeling that will stick with you for a long time, because you get to see the results.  A couple examples in our area are the Community Sharing Outreach Center Food Pantry and the local Meals on Wheels group.

The Community Sharing Outreach Center appears to be a local group that was started back in 2004 as an outgrowth of programs being run by local churches. It has expanded and added services and now offers the following services:

  • Food/Pet Food – Available once a month and in emergencies
  • Clothing – Available during open hours
  • Emergency financial assistance – This includes evictions, utility shut off and other emergencies.
  • Case Management- Needs assessment, advocacy, networking with and referrals to other agencies for optimum assistance for clients.
  • Educational Assistance – Tutoring in core subjects (K-12), assistance for adults preparing for GED testing.  Tutoring is available for all Huron Valley Schools students who participate in the Federal Lunch Program. You do not need to be a client.
  • Focus Hope – Monthly food distribution site for those over 60 and under 6.
  • The Emergency Food Assistance Program – TEFAP distribution site providing extra food to clients quarterly.

It has been noted here before that the Community Sharing Pet Food Pantry is the only one of its kind in the state that also provides pet food to needy families that otherwise could not afford to keep their family pets.

The Community Sharing Outreach Center is located in Highland at 2029 N. Milford Rd in the old middle school building. They also have a Milford location, which is a community vegetable garden, at the corner of Milford and GM Roads. You can learn more about the Community Sharing Outreach Center and the opportunities that it offers to serve at their web site – www.community-sharing.org .

The local Meals on Wheels organization is part of a larger, national effort to make sure that food gets to shut-ins and seniors. You may visit the national web site at http://www.mowaa.org/  . Locally the web site is http://www.mealcall.org/meals-on-wheels/mi/milford.htm .

This is a simple idea, to make sure that seniors and shut-ins don’t go hungry; however it takes a lot of work by a lot of volunteers and a lot of contributions to buy the food that is needed. I’ve put a flyer on my Move to Milford web site about the volunteer opportunities for Meals on Wheels at http://www.movetomilford.com/meals_on_wheels.html .

People who need meals can call two locations – the Milford Senior Center at 248-685-9008 or directly to the Meals on Wheels coordinator at 248-684-0705. If you are able and interested there are plenty of opportunities to help with this effort. I can tell you, based upon my personal experience of delivering food baskets to needy family through my church, that nothing will give you a better feeling that seeing the smiles of people who were facing another day of hunger if you weren’t there with some food. Call them today and volunteer to make, pack or deliver food to those who are shut-in.

Another avenue for local volunteering that will make you feel great is through the many local organizations with a focus on programs for children and families, such as the Carl’s Family YMCA, the Milford Library, and the Community Education and Recreation through the Huron Valley School District. There are links to all three of those organizations and their program calendars on my web site – www.movetomilford.com. I’m sure that all of them can always use more help.

Local, membership-based service organizations like the Rotary Club and the Optimists, as well as organizations like the Knights of Columbus also have multiple fund raising events for worthy causes throughout the year. And, of course, all of the local churches are always working quietly behind the scenes to help families in need. Churches run on volunteer help, so ask how you can help at your church.

There is an old saying that I’ll paraphrase by saying “you get back by giving.” No amount of money in your paycheck can make you feel as good as you’ll feel by volunteering for organizations like these and helping others. Yes, we still need to give money to these and other worthy causes, both local and national; but it’s these local organizations that need and can use your help and time to make a difference. Call one of them today and ask how you can volunteer. So, rather than just hand off some money; get the hands-on experience of actually doing the work. It’s great!

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Posted by Norm Werner

Some things that amuse or interest me…

October 22, 2012

I think of lots of little things that I find amusing or interesting, but which wouldn’t, in and of themselves, justify a blog post. So, today I collected a bunch of them under the heading of a bit of this and that.

An Andy Rooney/George Carlin kind of morning…

Two people now passed that I enjoyed were Andy Rooney and George Carlin. Both had fun with words and our language. Andy used to go off on those “Did you ever notice…” riffs and George could make a single word the subject of 3-5 minutes of a comedy routine, although later in his career he seemed obsessed with just dirty words.

So, recently I was having sort of and Andy & George moment and I wondered how does one re-gruntle someone who has become disgruntled? I mean you can work with someone who has become disenchanted and perhaps re-enchant them, maybe on some enchanted evening; perhaps when you see a stranger; but what do you do with a disgruntled person to re-gruntle them?

And did you ever notice that you can help someone who is disorganized regain control and get some organization back in their lives; and often when someone becomes disoriented it just a matter of helping them stop and take a breath and think about where they are to help them reorient themselves. But, what of someone who becomes discombobulated? How does one go about re-combobulating that poor individual and how would one gauge when the combobulation process was done.

Of course one wouldn’t just replace someone who had been displaced, because the original person might then become misplaced; but we won’t go there.

“There is no Someday in the calendar.” (Ignacio)  from the blog Jack’s Winning Words

Jack went on to write about not putting off your dreams until Someday. I’d probably add that although there’s no Someday on the calendar it does have tomorrows aplenty and we all have a tendency to put off until tomorrow what we should do today. Do you have dreams that you’d like to get to someday but keep putting off until tomorrow?

The AARP-a-rtia…

We have a tequila bar in town – Tequilaritas – which has many different kinds of tequila on display and which features lots of special margarita drinks. I was there last week and got to thinking that, since I’m a senior they ought to have a margarita that is specially made for seniors. So I suggest the AARP-a-rita.

The receipe is as follows:

1 shot of tequila (take you pick of the huge selection)

1 shot of lime juice

3 shots of Ensure Clear

And  a dash of Metamucil (just to be sure)

Rim the glass with crushed Zantac

 

Down a couple of these and you’ll be happy, healthy and regular again, with no worries about heartburn later.

Finally, there’s been an ad running on TV lately for one of those testosterone replacement products for men, the kind where they ward women and especially women who may become pregnant not to touch the area where the product is applied, because it might cause unwanted hair to grow on the person doing the touching or cause other bad health problems. The ad ends with a slow pan from the waist up of the actress who is playing the wife of the man, who has applied the product; who is now shown in the background as the epitome of a viral male. I always think when I see that ad that it would be a hoot to see a bearded lady when the camera pans up. Well, oops!

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Posted by Norm Werner

Don’t let your errors become mistakes…

October 21, 2012

“An error doesn’t become a mistake until you refuse to correct it.”- Orlando A. Battista 1917 -1995, Canadian-American Chemist and Author.

I saw that quote in a post on ActiveRain.com, one of the real estate sites that I frequent and have a blog on. I’d probably add that you first have to acknowledge the error, which all too many of us have problems doing in the first place. You can’t move on to the correcting (or not) stage unless you first come to grips that you have made an error. In fact, it’s probably the refusal to admit the error that really turns it into a mistake. The refusal to correct the error just compounds the mistake.

It is human nature to have some trouble admitting to an error. Sometimes that can be as simple (and as obvious) as going in the wrong direction when trying to get somewhere. Of course, if you’re a man, admitting that you are lost and stopping to ask for directions is very hard. Another obvious error is “finishing” the assembly of something only to find that you still have some parts left over. Oops! 

person who misspokeSometimes the error may be very difficult to recognize. That happens a lot when human feelings are involved. Maybe the error was just a remark dropped innocently into a conversation. Maybe that remark was meant as a joke but wasn’t politically correct. It’s easy to miss that slight pause in the conversation or the flush on someone’s face as they react to something that you just said, but many times you’ll sense it.

You may not understand why something you said caused the reaction from the listener. It’s not always easy to figure out in the midst of the conversation how to recover or to correct the error. You may have to ask someone else, later, in order to find out what it is that you might have said that offended or caused the person that you were speaking with to react. Many times you’ll find that you’ve inadvertently hit a nerve that is still raw from some traumatic event in that person’s life, like a death or divorce or perhaps there are family things that you’ve somehow been insensitive to, like a having an autistic or special needs child in the family.

The key is not to let that error become a mistake, by refusing to acknowledge it and not trying to correct it. It may be hard to go back to someone with whom you had a conversation and made some remark that you later found was probably offensive or insensitive from their perspective; but it is important to do so. Otherwise they will forever have this little flag that says “jerk” in the back of their minds that is raised whenever they see you. Don’t let your error turn into an uncorrected mistake. You’ll feel better and so will they.

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Posted by Norm Werner

Where do you draw your line?

October 13, 2012

Scofflaws and Crooks…

Webster’s dictionary defines these two terms thusly –

scoff•law/ˈskôfˌlô/ noun: A person who flouts the law, esp. by failing to comply with a law that is difficult to enforce effectively.

crook noun : a person who engages in fraudulent or criminal practices

As a society we seem to almost be at comfort with scofflaws; while, of course, we dislike crooks. In either case we have people who are breaking the law; it’s just that scofflaws are probably breaking laws that we all break at times. Many of the infractions that scofflaws commit have to do with traffic laws – stop signs that seem just to be there to slow us down and annoy us, so let’s roll through without stopping, or those really annoying no turns on red signs (and laws) when there is no cross-traffic in sight. Those are laws that it is hard for local police to enforce; but, where do you draw the line and where does being a scofflaw cross over into being a crook?

If you think about it the word scofflaw really defines the person well – someone who scoffs at the law; someone who believes themselves to be above the law. One could argue that the ex-mayor of Detroit started as a scofflaw. It certainly appears from the various trials and testimony involved that he came to think of himself as above the law. It’s interesting how many people who achieve positions of power and authority allow that to happen in their lives.

There is another trait that seems to go hand-in-hand with scofflaw behavior – the loss of a moral compass (loss of character, if you will). Any reading about the events and people involved in things like the Enron meltdown or the recent real estate robo-signing scandal brings the term scofflaw (at a minimum) to mind; if not a complete breakdown of any morals that may have been involved and eventually criminal behavior as the subsequent trials proved.

I’ve written many times about the fact that I live on a corner that has four-way stop signs and a flashing red light above the intersection. Most people at least slow down quite a bit there and many even stop (but may do not, especially in the morning when kids are being dropped off at the Middle School). The next corner west of mine has four-way stop signs and no flashing light above and at least 2-3 times a week I witness people not even slowing down there. I suppose those are really scofflaws, they’re idiots; but that’s a theme for another post.

The point is that if you choose to roll through that corner or make the turn anyway at the light that has the sign stating “no turns on red”, what’s next for you? How do you stop yourself on the slippery slope leading towards crook (or do you)? Do you at least feel bad about it afterwards? That would be a start to getting your moral compass back to the forefront. Being a scofflaw is a bad thing, but the worst part is probably the damage it does to your character, whether you can see it or not. You are not just scoffing at the laws, but also thumbing your nose at all of the people who do comply with the laws that, after all, were put on the books by the representatives of the people. Shame on you!

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Posted by Norm Werner

Go simple and go small…

October 10, 2012

How small of a space could your family live in? That question was sort of asked and certainly answered in a recent web site article at HouseLogic .com about a family that built and is living in a 320 Sq Ft home in Virginia.

Now this is no one man-one women “family”; this is a family of four with a 90 lb dog all sharing 320 Sq Ft of living space – About the size of a modern master bedroom. The 8 foot by 21 foot home has a loft for sleeping, but everything else is in the 8 by 21 main floor. There is a nice outdoor patio area that they make extensive use of during the warmer months that helps a bit. The whole thing is heated by a 60” electric baseboard heater in the winter.

OK, so maybe this is an extreme example of downsizing; however, it does demonstrate that we can probably all simplify and downsize a bit. The couple that lives in this house with their children lost everything in the recession in Florida, so they were beyond just motivated to downsize. They made up their minds that they were not going to get into another deep debt situation on a home. The husband also had a reasonable set of building skills, so he did most of the work. They made extensive use of Craigslist to get cheap building materials.

Go read the story to see what they live in. It’s sort of like living in a camper trailer all the time. The family in the story already has plans to expand their lifestyle a bit by building a second tiny home of 16 X 24 foot, with a stand-up loft space (their current loft has only 3 foot of headroom).

So what’s the point of any of this for the rest of us? I think if you read the story and think about it you may start to think about all of the room and how much “stuff” that you have crammed into that space and how much you really need. Many of us probably live in much bigger spaces than we really need and all of us have more stuff than we know what to do with. I know that I do.

I’ve met people in my real estate business who’ve made the conscientious decision to simplify their lives, which included dramatically restricting their possessions. These are not people who are attempting to live in 320 Sq. Ft. tiny homes, but they are folks who don’t buy more space that they really need and who are also very deliberate and careful about what “stuff” they have. Not surprisingly they are also people who are in great financial shape. They do not have huge mortgages or maxed out credit cards; in fact, some have no credit cards at all and live on a cash basis.

People who live simple lives do not live the lives of hermits; in fact the ones that I know are very active and engaged in activities like kayaking, hiking and other outdoor activities. What they don’t have are closets full of clothes that they don’t actually wear or basements and garages full of other stuff that they don’t use. They have simplifies their lives.

Lots of retirees end up having to simplify when they finally decide to give up their McMansion and move to a condo.  Nothing forces simplification like giving up a few thousand Sq. Ft. of space. Those moves make for great garage sales. I would say that we all should probably hold a garage sale every 2-3 years and sell off anything that we haven’t used during the last year – that would make our lives simpler right away. You’d be amazed how much of your stuff falls into the garage sale category, if you do that. Once your excess stuff is gone I suspect you’ll be surprised that you don’t really miss any of it.

So I guess the moral of this post is that you can simplify your life and go small without having to live in a tiny house. Of course, if you do a good job of simplifying and getting rid of stuff you might be tempted to downsize from whatever size home you’re in now. I don’t have any 320 Sq. Ft. homes that I could show you right now, but there are some nice condos around 1,200 Sq. Ft. that might fit.

 

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Posted by Norm Werner

The year is 3/4 over…

October 2, 2012

With 2012 now ¾ over it’s time to see how we’re doing so far in terms of the housing market locally. The stats for September and the year-to-date are now posted for September on my Move To Milford Web site.

I wouldn’t call the stats bad, but there are things to be disappointed about – mainly the slowing pace of sales and average sales values that have started to decline again. We are also literally running out of houses to sell. Many people who would like to sell and move on can’t, because they are underwater on their mortgages and many people who would like to move up are still scared by the current economy.

Here’s the chart from Altos Research showing the Milford Market’s average home values and inventory levels. This chart was as of October 1.

         

You can clearly see the nice run-up that we had this summer in average home prices. You can also see that when the inventory level didn’t follow prices up, we stalled out and the market turned down again.

Almost the same thing has happened in the Commerce market, althought the Commerce market peaked a bit later than the Milford market. Distressed sales in the Commerce market have stayed above 40% for much of the year, while Milford and some other markets dipped down below 20% –

The Highland market followed a different path, with inventory initially trailing and then overtaking the sales average but both eventually declining dramatically. Highland sort of peaked out early, back in June; while both Milford and Commerce continued strong into August.

Finally there’s the White Lake market, which trailed all of the other markets but which is still on a roll. You can see the beginning of the same pattern with that market thought, since inventory remains stubbornly down.

I’ll do some further analysis of the data that I’m collecting and report more on any other trends that are apparent. In the meantime to see all of the sales data for the year go to www.movetomilford.com.

One interesting stat that I watch quite closely is the average sale price cost per square foot. In the depths of the recession almost all of the local markets had fallen well below $100/Sq Ft, some as low as the mid $70’s/Sq Ft. That was mostly driven by low foreclosure prices, but it impacted all prices. Now several of the markets that I track are back above $100/Sq Ft. with Milford leading the way with an average of $103/Sq Ft and a Median of $111/Sq Ft  in September. Good homes in excellent condition in Milford can now command prices in the $110 –  $115/Sq Ft range.

There has also been a dramatic increase in New Build sales as builders have jumped back into the market to fill the void left by owners who can’t, or are reluctant to, sell right now. It’s a good time to be a builder, if you can put a product on the market in the $200 – $300K price range – the sweet spot in our local market.

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Posted by Norm Werner

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