The Case for Buying into the real estate market now

Posted by george on April 11, 2009 under Uncategorized.

 The fact that something can be done and others are doing it is no substitute for thinking things through for yourself and those who depend on you. Consider this: The best time to buy in a real estate cycle is the time of maximum pessimism or on some charts this is described as Despondancy/Depression.  The stages of the buying cycle are: Optimisim and then Excitement followed by Euphoria (worse time to buy), Panic , then Fear, Denial, and finally coming to a state of Despondancy/Depression.   The followint article puts this tried and proven theory in todays context. 

Click on the following link to read. Article from the Wallstreet Journal

Free Web Sites That Make Life Easier

Posted by george on April 11, 2009 under Uncategorized.

If you have sites to suggest that “Make Life Easier” please emial to georgefrazier@LNF.com  They will be added to this ongoing list.

Mint.com

A secure financial management tool pulls data from your checking accounts, savings accounts, credit cards, mortgages, and other loans to help you track expenses.

 

Zenbe.com

Have multiple e-mail addresses?  View all your mail in one inbox, and check it with Facebook and Twitter from the same screen.

 

GetDropBox.com

Back up your important documents and email.  This tool syncs with your computer to save documents.

 

Inhabit.com

For home owners who want to go green, this eco-friendly design blog provides tips and inspiration.

 

Billshrink.com

Discover hidden fees in your credit card accounts and cell phone bills, and get recommendations for lower-cost alternatives. 

 

GasBuddy.com

Do some comparison shopping before you fill up.

 

FotoFlexer.com

Touch up your photographs, create effects, and adjust lighting to crate high quality images worthy of marketing materials.

 

**from Realtor April 2009 edit.

Provenance – A House by House History of Mayfield.

Posted by george on April 9, 2009 under Uncategorized.

If you have a story attached to your house in Mayfield that you think is part of the lore and history of Baltimore, please write it up and email It will be added to this post under it’s own title.   

 

2109 Kentucky

Have you noticed the monument recently moved from Lake Clifton High School to 33rd Street?  It has been reinstalled directly across the street from the YMCA.  It is called the Good Shepard by the renowned Baltimore sculptor Grace Turnbull.  The sculpture commemorates the artist’s affection for Lizette Woodworth Reese, a one time resident of 2109 Kentucky Avenue in Mayfield.  This was  her summer house.   The date of her ownership is being researched and will be edited in to this article when found.    Thanks to the research by Richard Smith on Crossland it was discovered that Ms. Reese purchased 2109 Kentucky in 1897, living there 20 years before selling the house John Richwien in 1917.

Grace Turnbull and Lizette Reese, sculptor and poetess had much in common.  Both were born and raised in Baltimore, 1880 and 1856 respectively. Both lived long lives  as Baltimore City residents, both remained lifelong  independent women  and both artists  reached a national audience.  Grace Turnbull had works exhibited in the New York Metropolitan, the Corcoran Gallery and the Baltimore Museum of Art.  Lizette Reese is the author of 15 books of poetry and prose.  She was named the National Honor Poet in 1934 and had the distinction of receiving high praise even from the acerbic H.L Mencken “She was one the greatest living American poets.” 

 

I have been reading her book of prose A Victorian Village   which takes place when Lizette was growing up in Waverly around 1871.   Her prose descriptions have the hand and expansiveness of a poet.  Regarding the woman who sold her mother soap and pins every Fall she writes “From the striped shawl on her head to the thick shoes on her feet she was a flash of color, a March wind pushing through the rooms, a wild seller of tame, familiar household wares, a territory herself.  She swore stout oaths; she shrilled all the gossip of the roads…”

                                               The Prize

Lizette Reese taught in the Baltimore City school system for 45 years after  her graduation  from Goucher College.  For many years there was a high school poetry award given in her name.  It has unfortunately fallen by the wayside at poetries demotion to the larger challenges facing our educatiors.  Does anyone have an interest  in resurrecting a similar competition in honor of Lizette Reese within Mayfield. 

I will leave you with a small poem about the smallest of things that leaves a memory to that moment. in time.  Like a  moment when you were 20 remembered at 60.   

             AFTER

Oh, the littles that remain!

Scent of mint out in the lane;

Flare of window; sound of bees;

These, but these.

 

Three times sitting down to bread;

One time climbing up to bed;

Table-setting o’er and o’er

This thing; that thing; — nothing more.

 

But just now in the lane,

Oh, that scent of mint was plain.

 

 Lizette Wordworth Reese

Celery Baked Chicken for Two

Posted by george on April 7, 2009 under Uncategorized.

A recipe born of  our refrigerator.  

2-3  skinless chicken breasts

Basmati or Uncle Bens rice – 1 cup cooked

¼ cup almonds – slivered

1/2 rutabaga or more, if you love rutabaga or none ,if not. – Peel & slice in ½ inch rounds and halve those – microwave 1 min 20 sec. in a little olive oil.

5 stalks of celery cut into 2 inch pieces.  Braise in chicken stock, if you want avoid any stringiness.

1 medium onion sliced into rings & separated.

 

Combine the following and reserve:

 Enough celery leaves to make 1/3 of a cup chopped finely.

1/2 shallot – minced

a pinch of tarragon

pinch of celery salt

 

Salt and pepper the chicken breasts – and brown in a little oil on high heat.

Replace chicken with sliced almonds and toast – making sure almonds scour up the leavings and hold aside – Replace the almonds from the pan with the minced shallot and celery leaves mixture.  Sautee for 2-3 minutes in a little butter and reserve.

 

Add the almonds and rutabaga to the steamed rice with some salt and pepper

 

Lay down the 2 inch pieces of celery in a broiling pan or suitable baking dish.  Top with the rice mixture, then the browned chicken.  Place the onion rings along  the edge of the rice and bake for 30 minutes at 350.  Cover for the last 20 with tin foil.  Remove chicken and slice in 1 inch pieces and reassemble on the rice.  Using about a half a teaspoon of the celery leaf mixture, coat  each slice of chicken on the cut sides and you are ready to serve.  

 

Excellent eaten with  squash. Cut at least 1 inch thick and flavor with thyme, s&p. 

Sautee in olive oil for 3 minutes turn and cover.  Cook under a lid on low heat until ready.

A Visit to the Holiday House

Posted by george on March 28, 2009 under Uncategorized.

The Holiday House 6427 Harford Road has done it again: a huge platter of food and two beers for $10.90.    

I have a weakness for Baltimore haunts,  like the Holiday House; a crowd of regulars who seem to have grown up together, reasonable prices and an atmosphere  friendly enough to relax in.  The crowd at the bar last Tuesday evening  around 6:00 were in their  50’s, all regulars by the number of greetings to those who entered the establishment.  The waitress handed me a menu and the man to my right volunteered some adivce pointing to the the specials for the evening on a black board.

 I took his advice and ordered the meatloaf platter.  The platter itself is one of the largest I have seen and it arrived full. Two one inch (I measured)  slices of meat loaf, a load of mash potatoes and a passel of string beans with brown gravy to cover.  Nothing great and nothing off putting about it!   I left with a lunch for tomorrow and grateful to find another piece of Baltimore that had not changed, except for the smoke.

A recipe: Going out for dinner…..these days.

Posted by george on March 23, 2009 under Uncategorized.

 

The restaurant at home.

 

 To prepare the meal…Under steam a head of cauliflower so it’s still on the firm side.  Toss the florets in some ¾ cup sliced mushrooms you have sautéed in  2 tablespoons  olive oil or less.    Put a lid on it.

Take your good frying pan and sautee 1 or 2 shallots in olive oil / butter.Throw in a good handful of parley you’ve chopped with the minced needles from 1 inch of rosemary – Mayfield’s most abundant herb!  Don’t need to cook this long. 

 Push this up along one side of the pan off the heat and add two skinless salt & peppered chicken breasts.  Brown the chicken then roll it around to coat with the parsley/rosemary shallot stuff from the side of the pan.  Now transfer the chicken to your toaster oven  & set at 350.  Should be done in about 15-20 minutes if chicken was well browned, but check it.

  A couple  minutes before they are done  melt a thin slice of Bucheron goat cheese on each of the brown breasts. It does not require much.   Whole Foods and most specialty cheese chops will carry it. The dinner goes restaurant when you add that cheese.

 Transfer the cauliflower and mushrooms into the skillet you browned the chicken in to pick up those juices to complete.  Serve with candles, your good china and a green salad.  For two.   

Shopping List

2 skinless chicken breast
a head of cauliflower
a box of mushrooms – your choice
a few shallots and a bunch of parsley
 ¼ lb Bucheron or a fairly strong goat cheese
hunt down  a little fresh Rosemary.
Optional: barrel can of Heineken or the large Sapporo for the cook’ s pleasure during prep time. 

Getting Out – Along Harford Road -

Posted by george on March 19, 2009 under Uncategorized.

      Creativity and entrepenurial drive is alive and well in  NE Baltimore.
                                                
                                           ˜˜˜˜˜˜˜˜˜˜˜˜˜
From Regina Lansinger Director of Hamilton Lauraville Mainstreet Program

 

 Pub Restaurant & Hamilton-Lauraville Art Crawls

                                May 7th & 8th

 We have the Art Crawl coming up the 2nd week of May. This is the 3rd one for Hamilton, but this year, we are adding Lauraville. It is being advertised as the Hamilton-Lauraville Art Crawl.  Other aspects of the Art Crawl will include the unveiling of the mosaic mural on the Hamilton Gallery. Bob Curran has accepted our invitation to do the unveiling. That takes place on Friday, May 8th starting at 6pm. Grind On & Harford Liquors will be joining forces to have a ticket-only wine tasting at Grind On, music on the side.

 

On Thursday night May 7th, we will sponsor the “Foodapalooza” – which is a pub-restaurant crawl. Each restaurant will prepare their own dish (small quantity) and set their prices. HLMS is providing a free shuttle bus from 6-9pm, which will take participants to every restaurant/pub on the Main Street. Our tag line is “The More you Eat, the More you Art.” This was a very big success for Hamilton last year and I’m hoping it is more popular this year. Baltimore Eats will be helping to promote this. I want people to stop at all the restaurants, not just their personal favorites. We need to spread the wealth to keep everyone in business.

 

  Harbel Flea Market May 9th & More – Free Shuttle

This is taking tremendous organization on HLMS’ part. I like Chris’ idea and will be willing to talk to him about it.
Then, on Saturday May 9th, we will again provide a free shuttle to run up & down Harford Road. Harbel is having a flea market, HLMS is having an Art Festival at Faith Community, Red Canoe is having a book signing, and with a little luck, there might be something happening on the empty lot across from Safeway – no guarantee about that. In addition, HLMS and PNC bank are planning a game “Search Party” which is like a scavanger hunt. There will be a $10 charge to play the game. Winner gets dinner at the restaurant of their choice up to $100. To win, players must come in with the most accurate answers in the best time. Families can play, too. The shuttle bus should be very helpful in getting people up & down the road.

Hiring a Realtor

Posted by george on March 17, 2009 under Uncategorized.

Hiring a Realtor

 Realtors are too often hired because a home owner happened to be talking about wanting to sell his house to a friend and the friend recommends a friend who is a realtor.  A sure bet is when the home owner has a cousin who lives Timonium and is realtor.  How could he not?  For some reason these types of situations takes care of the ‘I can trust this person’ and the whole competency question

 I would argue that the choice of a realtor to sell your house ought to be based on both objective reasons and subjective ones.  Take a look at the following check list to make a more thoughtful evaluation.

 ∆How experienced is the realtor in selling houses in a) your neighborhood b) your area of town?  Understanding of the market regarding pricing cannot be gleaned from a spread sheet of past sales.  One must know the housing stock and knowledge of private sales, where the sales came from, what realtors know the area one should be marketing to.  Secondly selling real estate has very much to do with selling the location.  Knowing and being enthused about what the area has to offer is important.

 ∆Is the realtor being honest about condition issues that will detract from the sale?  Are you okay with hearing the truth? Is the realtor pricing the house according to what you want or what the market indicates?  Being 7%+ over market will add months onto the sale.

 ∆How will the Agent market the house?  An agent marketing his listings to other agents is useful.  Experienced realtors typically have good agent networks.  Print advertising is giving way in effectiveness to advertising on the internet. A detailed plan to market your property on the internet that will drive buyers to Open Houses and reach other agents is important.  Providing to the home owner a weekly or bi monthly report of these activities and on showings should verify these efforts. 

 ∆What brokerage is the agent aligned with? The larger brokerage houses offer some advantages over the smaller ones.  More reach to their web sites, a larger network of realtors who are insentivized to sell fellow agents listings and the fact that larger brokerage house usually provide more oversight of their agents.

 ∆Can you listen to this agent’s advice and discuss the matter honestly?  This I believe is critical to a successful relationship between a realtor and his client in getting the house sold for the most money in the shortest time frame.

 ∆What is the Agents’ web site like?  How will it help sell your house?  This will also give you some indication of how internet savvy the agent is.

Aging in Place versus Selling in Mayfield

Posted by george on October 30, 2008 under Uncategorized.

As a realtor I have noticed seniors share many of the same needs that arise when a decision is made to stay in their home (aging in place) or to downsize and move into a facility designed for seniors. It is not uncommon for family members to wind up dealing with the resulting housing, financial and legal affairs that arise. Finding a good team of professionals who specialize in elder issues is always sound advice. See resources listed below.

Mayfield has a significant number of seniors who have chosen to stay as long as they are able in the neighborhood that holds so many of their memories. Many have neighbors who will offer the support of checking in on them.

Extend the Life of Your Home

The following modifications can extend those years at home:

  • Ramp all thresholds
  • Improved lighting
  • Lever door handles and rocker light switches for those with poor hand strength
  • Floors & bathtubs add trip proof no-slip mats
  • Support bars at toilet and tub
  • Handrails at all steps

There are contractors who specialize in modifications for those who want to stay in their homes.

Local Resources

  • Organizing: for those seniors who have chosen to move, the often difficult and agonizing decisions of what to sell or give to family members and what to keep will prove challenging. There are profession organizers who specialize in this process. The good ones understand the emotional difficulties involved as well as having a good grasp of what downsizing is required making the transition far less traumatic.
  • Elder Law: elder law is a specific area of the legal profession that should be consulted by the family or the individual. Often working hand in hand with an accountant to manage resources, protect assets and minimize taxes.
  • Realtors: Realtors who want to work with seniors need to understand and be experienced in the who panoply of issues touch on above. Choosing a Realtor who has take and passed the Maryland State Realtor Board approved two day seminar “Working with Seniors in Real Estate Transactions” should be a prerequisite. George Frazier is a realtor with Long & Foster and a graduate of the class on elder real estate.

Other Resources for Seniors

Who might want to live in Mayfield?

Posted by george on September 15, 2008 under Uncategorized.

 
Lake Montebello
Lake Montebello

Is Mayfield the neighborhood you are looking for?

 If you don’t want to be bothered with a yard or raking leaves, we have lots of leaves, this neighborhood might not be for you. New houses? No. These were built in 3 development stages from 1892 to 1952.

However, if you like the idea of living in the city within 10 minutes of downtown in a neighborhood bordered on 3 sides by an 18 hole golf course, a 4-acre lake encircled with a track for recreation and a 5-acre athletic field for soccer games and baseball games, then you should probably take a closer look at Mayfield.

Have children?  You should take an even closer look as there are a number of school choices in the area including Mayfield’s own St. Francis grades Pre-School to Eighth grades. 

There are a range of housing types and prices from large houses on 1/3 acre lots, to smaller detached houses and duplexes.  Prices range from$170K for a fixer, $225-$275 for a large duplex and $325-$500K for one of the larger detached houses.

This web site gives an introduction into types of houses in the neighborhood, schools in the area, and nearby shopping and recreation opportunities.

To learn more about what is available and what will soon be available in Mayfield you can call George Frazier on his cell 410-925-6162.

Hooper Memorial Field

Protected Recreation Lanes Lake Montebello

                          

 

 

             

 

 

                                                      

                                             

Lake Clifton 18 Hole Golf Course

Lake Clifton 18 Hole Golf Course

YMCA with Pool - 1.5 mi from Mayfield

YMCA with Pool 1.5 mi. from Mayfield