I have voted. Have you?

American flag
American Flag

Every year the American Psychological Association takes a look at the leading causes of stress in the U.S., and publishes an annual report. According to this years report politics are a major stressor. I can relate to this but try to stay focused on other things.

“Seven out of 10 adults say the future of the nation is a significant source of stress in their lives and the issue crosses party lines: 80% of Republicans rated it a top stressor, so did 79% of Democrats and 73% of Independents.”  – Read more about it on the NPR website.

I think it is wonderful that we have so much in common across party lines.

Go vote today. If you live in Minnesota visit the MN Secretary of State website. Find out if you are registered and find out where to vote today. If you have voted track your ballet.

Let’s pray for a peaceful election with high voter turnout.

Are you tired of surveys?

I refuse to respond to surveys from the plumbers, electricians, and repair people. I am upfront about it. I just bought some windows and told the salespeople I won’t be filling out a survey when the work is done. I have occasionally offered to fill out a customer survey for $130.00.

Medical clinics and urgent care also send surveys that I don’t respond to.

As the person receiving service, the customer survey doesn’t provide value.

Most surveys are too long or they ask the wrong questions or both.

I don’t ask my clients to fill out surveys either. I do ask for feedback when appropriate but not in a demanding or forceful way.

Real estate professionals who use surveys get five-star ratings. It is almost impossible to find a real estate agent with a four-star rating. All agents with ratings have five-star ratings.

Move to Minnesota

MN state capitol bldg
Minnesota State Capitol building

Soon it will be very cold here in Minnesota but there won’t be any earthquakes, hurricanes, and no flooding until spring.  There are very few 100-degree days and they always occur in the summer. There aren’t any forest fires during the winter.  Move to Minnesota or the weather.

Minnesota’s mean elevation is about 1200 feet above sea level.

In most cases, homeowners can insure their property.

The unemployment rate is 3.3%, slightly lower than the national 4.1%. The cost of living in the Twin Cities is 6% lower than the national average. [rent cafe].

According to AI, the cost of living in Minnesota is 4% lower than the national average. Housing is 15% lower than the national average, and utilities are 4% lower. 

Minnesota has income taxes and we can expect to pay more for utilities, especially in the winter.

We have cold weather and warm weather and weather that is just right.

Top Employers in Minnesota

September 2024 Home Sales Minnesota

This just in from Minnesota Realtors, our state Realtor association.

Statewide, sales have hit their lowest level since 2011 Due to a combination of high mortgage interest rates, high prices, and fewer homes on the market. 

September Year-Over-Year Summary of Key Market Indicators: 

  • Closed sales: 5,718 (down 13.5%)
  • Median sales price: $350,000 (up 6.1%)
  • Average sales price: $406,489 (up 4.7%)
  • New listings: 8,556 (up 4.4%)
  • Pending sales: 5,623 (down 0.5%)
  • Days on the market: 39 (up 18.2%)
  • Homes for sale: 16,736 (up 10%)
Infographic of sept homesales
September 2024 Home sales

A frosty October morning

faucet

This tip is mostly for new homeowners or people new to Minnesota or are new to owning a home.

It is almost time to turn off the water to the outdoor faucets and disconnect any hoses. A light freeze or two probably won’t hurt your water spigots but when the temperatures get down into the 20’s watch out.

Here is what you need to do:

1.  Turn off the water from the inside of the house.

2.  open the spigot on the outside.

What happens if you don’t turn the water off?  Pipes can freeze and faucets can be destroyed by ice.  . . and it isn’t pretty.  Frozen pipes can burst and ice can damage faucets resulting in the need for expensive repairs. 

Leaving a hose attached can damage the spigot even if the water is turned off. I learned this lesson the hard way.

The good news is if you don’t know how to turn off the outdoor spigots you have time to find shut-off valves or call a plumber.

A quick look at the October 2024 housing market

Mortgage interest rates went down and then up a bit.

Mortgage interest rates

The number of homes on the market is rising and on average it takes twice as long to sell a house as it did a few months ago. Don’t get me wrong in most cases houses in St. Paul are selling in 30 days or less. Prices are not rising as quickly. We are still experiencing a seller’s market except in downtown St. Paul where the market is balanced.