Home in the country

Feeling stir-crazy? Now is the perfect time to evaluate where you live. Are you in a densely populated area? Do you long for a bigger yard? Dream of having some waterfront, or a huge pole barn to work on your projects? Most importantly, you may just be needing some personal space!

This home in the country has all those things and much more. This listing is similar to my own home, which I have been grateful for over the past few months. I have immensely appreciated the space around me: the peace and serenity of country living, especially during trying times.

If all this sounds enticing to you, you will definitely be interested in this Byron waterfront home. Great schools, peaceful country living, waterfront paradise, and your own space.

Please click below for more information or call

https://www.zillow.com/homes/14246-Duffield-Rd-Byron,-MI,-48418_rb/

Ben Anderson The Drury Group 810-908-7155

 

Country Waterfront 225k

Waterfront oasis of 1.3 acres, with mature trees on the Shiawassee River
in a beautiful country setting at 14246 Duffield road. This home is in Argentine township and is located in Byron Schools. It has a 40′ x 25′ pole barn with electricity, chimney, and cement floors. Master bedroom, bathroom, and one other bedroom are on the main floor. Upstairs has two bedrooms and a bathroom. Enclosed deck & exterior deck allow for maximum enjoyment of nature. Please call 810-908-7155 for a showing.

Blockchain Bounce

If you haven’t had the chance to look at the bitcoin market lately it has really been moving. I track Bitcoin, Ethereum, and Litecoin. Speculators say the market is affected by the news of the coronavirus. Just like the price of gold can go up after a disaster or international incident so does the price of blockchain currency. The Federal Reserve has a lot to do with the change in the price of gold along with many other things but so does global uncertainty (Source 1). Thanks for your time.

Ben Anderson

The Drury Group

810-908-7155

Source 1: Williams, Sean, 9-20-18, https://www.fool.com/investing/2016/10/13/7-common-factors-that-influence-gold-prices.aspx

Bitcoin as an Educational Investment Tool

Just a short article about Bitcoin this week. Lately, bitcoin has really moved up and down over the last week. I still don’t recommend it to anyone who is not comfortable with technology or online transactions. I am recommending it as a way to teach your kids about how to build credit and save money. The apps are free but the discussions you will have with your children are priceless. I am not endorsing setting up an account for kids but rather watching the market with your kids. This week they learned about how you can own part of a company, do nothing in the company, live no where near the company, and make money by purchasing part of a company. Next week we discuss blue chips stocks but I will keep using the bitcoin app as an illustration. Most phones have the stock market app preloaded (not bitcoin) and that could be used as a tool. The clearer you are able to explain this to your kids they better off they will be in the future. Showing your kids how either market works will help you explain general investments to anyone.

Have a great weekend.

Ben

Hubbard Lake Lot for Sale

On this lake you can enjoy one of the top five, lake restaurants in Michigan (Churchill Pointe Inn) or relax on the beach. You can also enjoy some amazing fishing or go water skiing on one of the top twenty largest inland lakes in MI. Located near the Huron National Forest this gem could be a start to a base camp for so many adventures.
Beautiful 80′ frontage on NW shore of Hubbard Lake. Nice deep lot (80’X455′) partially wooded. Lot has 4″ well and septic system, 30×40 insulated and wired pole barn with 12×36 lean-to. Bathhouse has full bath with washer and dryer included. Great building site with beautiful sunrises and great swimming. Dock also Included.
call Bill at 810-577-7031 for more information.

 

What will be the housing style in 2020

Change will continue to happen. The article below points out up and coming trends of 2020. Fixing up your kitchen and bathrooms is, in my opinion is one of the fastest ways to get a  return on investment next to building curb appeal. All my clients so far seem to love the open floor plan and this article says more and more people are diving up their living space up. I also like how they mention we are starting to bring more nature into our living spaces. Let me know what you think of the article or what you think future trends will be by adding your comment to this blog.

Thanks for your time,

Ben Anderson

The Drury Group

810-908-7155

https://realestate.usnews.com/real-estate/slideshows/interior-design-trends-to-look-out-for?int=undefined-rec

10 acres of land, Byron Schools

Nature lovers come take a look a this rolling 10 acre parcel (under 200k) with a 1456
sq. foot home, nestled in a pine setting. The acreage is rolling and has a multitude of various kinds of wildlife. What a great place to enjoy the outdoors, trails to walk and enough space for a few outdoor toys. Home has 2 bedrooms and 1 bath. Rustic and comfortable, with enough room to add a 3rd bedroom. a large detached garage with a wood heated workshop makes this a perfect workshop. There are 2 other out buildings for more storage, one of which has doubled as a hunting blind. Open fields have been used for hay. Lots of pines surround home and a large cement pad that can take at least 3 to 4 vehicles for parking. off the beaten path offers lots of privacy. Home has 100 amp service, new hot water heater and furnace is approx. 10 years old. Septic to the east of the home, well to the west.
$189,000.00
If you are interested please call Ben Anderson at 810-908-7155 if your interested.

High Water in Michigan and its Effect on Homes.

Having surfed along the coast of Michigan since 1992, I always dreamed of having a house overlooking one of the Great Lakes. I spent most of my time in the South Haven/St. Joseph area. I noticed the changing shoreline as I got older, but when my family rented out a house atop a bluff, that is when the reality set in. The house we rented was not level. After a quick once-around the property, we noticed the back of the house was very close to hanging off of a cliff. We still had a safe weekend surfing and exploring local cuisine; the only trouble we had was the crazy hike of stairs to the beach. You can really travel anywhere on the west coast of Michigan and see the cliffs which appear to be held together by roots (except near river mouths).

On a related note, I wasn’t surprised to see several articles recently on how the water level is up three feet from last year, and in occurence is the worst erosion the National Weather Service has seen since 1986 (1 weather.com). The rising water levels are not limited to the lakefront homes on the west side of the state. This year we had too much rain. It has been clogging up drainage tiles all over mid-Michigan. Whether you have a crawl space or a basement, this year has been pretty hard when it comes to our over-saturated water table.

I’ve made the north-south trek on M-13 (Durand-Montrose) since I was a kid and have always seen large fields of crops spanning each side of the road. Over the past year it was sad to see the number of farmers who couldn’t put in their crops due to the large amount of rain.  The fields were just too muddy for planting.  How does that have an effect on the suburbs/city?  Water everywhere has to go somewhere, and you can’t stop it.  All that being said, there are things you can do to manage an over-abundance of rain.

When it comes to getting lots of rain, one of the biggest threats to your home can come when you don’t have gutters that span out six feet from the house. If your gutters aren’t routed properly, instead of guiding water away from your home, they could basically be dumping the water right down to your foundation, leading to basement leaks or flooding.  Be sure to check that where the water is being displaced is 6 feet from your home’s exterior.

Another problem is when you get too much water, it can overwhelm your sump pump.  It is a good idea to have a battery back-up system, so that if your power goes out, your pump will still be getting that pesky runoff away from your foundation.  You also want to be sure you have enough horse power to handle the larger amounts of water.  The area your home is in, depending on the grade, elevation, etc. will determine the specific need for your pump.  My home is located in an area with very high gravel content, as well as being located next to a lake, so we actually need no sump pump at all.  Our area drains so well it has never been needed.  On the flip side, my dad lives in a lower elevation area and the grade around his home does not carry as much water away from it as mine does.  In his case, he needs 2 two sump pumps; they are able to be used as needed.

Laser-levels can be helpful in determining how well the water will naturally flow away from your house, by making sure it is located in a higher area than the surrounding grade.  If you need a laser-level to find effective gravity drainage, you can buy/rent one from your local hardware store.

In closing, the movement of water, waves, and wind will continue to shape the land despite our efforts, but a little preparation can help protect your investment.

  1. Found on 11-19-19, Brackett, Ron, 10-27-19, https://weather.com/news/news/2019-10-27-lake-michigan-dune-erosion-threatens-homes

Reduced Price for Sale in Byron

Attention first time home buyers and investors this listing is back on the market in the Byron area for THE REDUCED PRICE of $84,900. Come and check out this spacious 3 bedroom, 2 bath home in quiet downtown Byron. It features an open-concept floor plan with large living areas, closets, bedrooms, and bathrooms. Manufactured home on full basement. Walking distance from Byron schools.  Note to investors the owner has rented this home for approximately 20 years. The last rate was $700 a month which included water and sewer.

Capital Gains Tax

Understanding how the capitol gains tax works will help you prepare for retirement. I listened to a podcast about travel hacks where they mentioned you should consider your kids ages when planning a trip to Disney or any other big destination because air fares/tickets/entertainment are cheaper for younger kids. It didn’t make me want to march my kids to Disney World before they are three years old so I can save a couple thousand dollars. It did however make me aware, I could save some money just by planning ahead (2). This is the same approach I am taking to understanding capital gains. When it is understood that you can save money by holding onto a house for over a year (considering what your stocks have made/lost) it is worth learning. Now that doesn’t include taxes, cost of maintaining, or wear and tear. It is worth doing a budget that will help your money work for you. Below is a hyperlink to a site which has all the charts and examples to help understand how you can make the capital gains tax work for you (1).

 

 

  1. https://thecollegeinvestor.com/23577/capital-gains-tax-brackets/
  1.  Choose Fi, podcast by Jonathan Mendosa & Brad Barrett