We want to wish everyone a Merry Christmas and a Happy NEW Year from all of us @Nilsonhomes.
Enjoy a little humor and a relay fun production of “A Visit from St. Nicholas” by Clement Clarke More.
The holiday season is the season of giving, and one group that is known most for giving is the U.S Marine Corps Reserve Toys for Tots Foundation. Toys for Tots collects toys from people all around the US and then hands them out to underprivileged families.
“The campaign goes from now till a week before Christmas, and we’re asking the public to go to either their local post office, fire department, police department where there is a box there and give one, brand new, unwrapped toy — or as many as they’d like to give — so they can all be put together and supplied to families that need it,” Butch Yamali said.
To find other Drop-Off locations in the Ogden, head over to the local Toys For Tots page. On this page you’ll have the ability to make a donation, find information about volunteering, find any local events, and discover the nearest drop off locations. Help make this Christmas special to a child in need.
According to the Consumer Product Safety Commission (CPSC), more than 25,000 residential fires and more than 300 deaths are caused each year by space heaters. In addition, more than 6,000 Americans every year go to the emergency room for burn injuries caused by room heaters.
The following infographic further illustrates the dangers of using alternative heating sources such as electrical heaters and wood stoves during the cold winter months, and goes on to explain how to prevent home fires by using alternative heating sources safely and following recommendations for smoke and carbon monoxide alarms.
Some of the tips in the infographic include;
- Hire a certified professional to install, clean, inspect, and service your heating equipment and chimneys annually.
- Never use extension cords to power space heaters.
- Keep children and pets from space heaters and fire places.
- Don’t use your oven to heat your home.
- Protect the area around your fire place by placing a glass or metal screen in front of it.
- If you’re leaving the room be sure to turn the space heater off first.
- Never sleep with a space heater on.
- Keep all flammable materials at least three feet away from heating sources.
- Use only the fuel recommended by the heater manufacturer.
- Install smoke alarms on every level of your home, inside bedrooms, and outside sleeping areas and place a carbon monoxide alarm in a central location outside each sleeping area and on every level of your home.
The National Association of Home Builders recently release this statement from Chairman Kevin Kely on new downpayment loans. Due to new loan guidelines put in place by Fannie Mae and Freddie make, potential homeowners are able to obtain mortgages with a down payment of only 3 percent. This reduction of upfront case will allow families to start their dream of homeowner ship a few years early! Now many families won’t have to sink their funds into an apartment while they wait to save enough money to purchase a home of their own.
NAHB December 9, 2014 – Kevin Kelly, chairman of the National Association of Home Builders (NAHB) and a home builder and developer from Wilmington, Del., today issued the following statement regarding announcements by Fannie Mae and Freddie Mac of programs to purchase mortgages with downpayments of as little as 3 percent:
“NAHB commends Fannie Mae and Freddie Mac for instituting new loan guidelines that will allow creditworthy borrowers to obtain mortgages with a downpayment of 3 percent. One of the biggest obstacles to achieving homeownership is the ability to come up with a downpayment. By reducing upfront cash requirements while establishing tough but fair underwriting guidelines that include a number of safeguards, Fannie and Freddie will open the door to homeownership for more American families, particularly first-time home buyers and younger households.”
Join the Saint Joseph Catholic Church December 16th at 7:30 pm to welcome ABC’s “Rising Stars” singing sensational group, Beyond 5!
Beyond 5 is a Christian and Gospel pop group and they have agreed to donate a benefit concert in Saint Joseph Catholic Church’s honor, with all proceeds going to the building fund for the Religious Education Center. They still need to raise an additional $400,000 in order to complete their center, and you ca help by purchasing a ticket to see the show! Beyond 5 will be performing hits from their newest album, “Faithful”.
Tickets are $15 at www.eventbrite.com….
If you require any special assistance please contact them at 801-399-5627.
Watch the Beyond 5 video on YouTube
Did you know that every year, hospital emergency rooms treat about 12,500 people for injuries, such as falls, cuts, and shocks related to holiday lights, decorations, and Christmas trees? Did you know that Christmas trees are involved in about 300 fires annually, resulting in 10 deaths, 30 injuries, and an average of more than $10 million in property loss and damage? Or that every year, hostpital emergency room treat around 12,500 people for injuries related to holiday lights and decorations (cuts, falls, shocks, etc.)?
Don’t let these statistics scare you from having a beautifully lit up home this season! Driving around Utah you’re sure to see dozens of gorgeous homes decorated with beautiful holiday lighting, and there is no reason you should have to miss out simply because of the potential dangers. These dangers can be avoided by hiring a professional to decorate your home for the holidays. You can avoid the potential dangers involved in putting up holiday decorations by hiring a professional to decorate your home. Hiring a professional holiday decorator comes with many benefits; you will avoid the risks involved when putting up holiday decorations, you won’t have to take the time out of your day to put the decorations up, you won’t have to find a place to store the decorations when the holidays are over, and your décor will always be new and you have the option of changing up your decorations every year! Some decorators have supplies for both indoor and outdoor decorations, so be sure to shop around for the perfect decorator!
If you’re interested in having a professional light up your home this season, Christmas Decor by Chads Sprinkling Supply is a great professional holiday decoration agency that has been lighting up Ogden’s holiday homes for years.
Take a look at Neave Holiday Decorating’s Christmas decor infographic before decorating your home for the holidays. Here are 12 reasons you should hire a professional Christmas decorator this year.
The following infographic from LARK Technologies has some simple tips and advice on how to remain healthy on Thanksgiving. From simple food alternatives to activity and eating tips this guide can help you start your New Year’s health resolution a couple of months early.
The holiday season signals the time of year when consumers are often at the highest risk of falling victim to hackers and scammers whose schemes can fool even the most experienced online shoppers. This infographic from Veracode advises web merchants and consumers on how to avoid Black Friday and Cyber Monday attacks.
NAHB, 2014 – A growing economy, rising household formations, low mortgage rates and pent-up demand will help single-family housing production to rev up in 2015 while a growth in renters will keep the multifamily market at cruising altitude or higher, according to economists who participated in yesterday’s National Association of Home Builders (NAHB) 2014 Fall Construction Forecast Webinar.
“Single-family builders are feeling good. They are not overly confident, but confident enough to keep moving forward,” said NAHB Chief Economist David Crowe.
He added that the single-family sector will finish out the year much stronger than it began and set the stage for a robust 2015.
“This is mostly due to significant pent-up demand and steady job and economic growth that will allow trade-up buyers who have delayed home purchases due to job insecurity to enter the marketplace,” said Crowe.
A Bright Outlook
NAHB is forecasting 991,000 total housing starts in 2014, up 6.6 percent from 930,000 units last year.
Single-family production is expected to rise 2.5 percent this year to 637,000 units, increase an additional 26 percent next year to 802,000 and reach 1.1 million in 2016.
Setting the 2000-2003 period as a benchmark for normal housing activity when single-family production averaged 1.3 million units annually, single-family starts are expected to steadily rise from 48 percent of what is considered a typical market in the third quarter of 2014 to 90 percent of normal by the fourth quarter of 2016.
Multifamily starts, which Crowe said are now at a normal level of production, are projected to increase 15 percent in 2014 to 356,000 units and hold steady next year.
Meanwhile, the NAHB Remodeling Market Index, which averages ratings of current remodeling activity with indicators of future activity, matched its all-time high of 57 in the third quarter of 2014 and has been above 50 for six consecutive quarters. A reading above 50 indicates that more remodelers report market activity is higher (compared to the prior quarter) than report it is lower.
NAHB is forecasting that residential remodeling will post a 3.4 percent decline in 2014 over last year, due in large part to slow activity in the first quarter caused by an unusual harsh winter throughout much of the nation. Residential remodeling activity is expected to rise 2.7 percent in 2015 and an additional 1.3 percent in 2016.
Housing Will Soon Be Undersupplied
Taking an even more bullish outlook, Mark Zandi, chief economist at Moody’s Analytics, said that prospects are good for continued gains in overall economic and housing activity.
“The reason is that job growth is quite strong,” said Zandi. “Currently, we are creating about 225,000 jobs per month, or 2.75 million per year. That is double the pace necessary to reduce unemployment and under employment, which augers very, very well for housing demand and the housing market more broadly.”
With the current supply of housing running just over 1 million units on annualized basis, Zandi said that this figure is well below what is needed for the longer run.
In the aftermath of the Great Recession, new household formations were depressed as the number of Millennials living with their parents or doubling or tripling up in apartments soared to about 3 to 4 million above normal, according to Zandi. As the economy continues to improve and these 18-to-34 year-olds begin to form their own households, this will boost overall demand for new housing construction.
“In a normal year, there should be demand for 1.7 million units,” he said, adding that each single-family home generates about 3.5 jobs over the course of a year and every multifamily unit produces 1.5 jobs over the same period.
Taking this one step further, Zandi said that increasing the housing stock by 700,000 units to meet this unmet demand would create 2.1 million jobs, which “would reduce unemployment by 1.5 percentage points.”
By the end of 2017, Zandi expects mortgage rates to rise from their current rate of about 4 percent back to their “equilibrium” of 6 percent, which he noted would be very consistent with a solid job market and solid housing market.
“The housing market will be fine because of better employment, higher wages and solid economic growth, which will trump the effect of higher mortgage rates,” he said.
He added that single-family starts could be closing in on 1 million units by the end of 2015 and multifamily production could go as high as 500,000 units.
Housing and Jobs Go Hand-in-Hand
Delving beneath the national numbers, Robert Denk, NAHB’s assistant vice president for forecasting and analysis, noted the housing recovery will vary by state and region.
“We are getting back to the point where economic conditions are dictating the strength of local housing markets,” said Denk. “It is very clear that those states with higher levels of payroll employment or labor market recovery are associated with healthier housing markets.”
Energy-producing states—North Dakota, Texas, Louisiana, Montana and Wyoming—where job growth is strong are also at the forefront of the housing recovery while Iowa and other farm belt states supported by agricultural commodities are also running above the nationwide average.
Meanwhile, states such as Nevada, Arizona, New Mexico, Alabama, Rhode Island and New Jersey that are coping with weak labor markets are also struggling to get their housing activity back on track.
Housing nationwide bottomed out at an average of 27 percent of normal production in early 2009 and the gradual and steady housing recovery now underway across the land will bring nationwide single-family housing starts to 68 percent of normal by the fourth quarter of 2015 and 90 percent of normal by the end of 2016.
In another way of looking at the long road back to normal, by the end of 2016 the top 40 percent of states will be back to normal production levels, compared to the bottom 20 percent, which will still be below 75 percent.