Join bloggers Amanda and Corey Hendrix as their family embarks on a new homebuying journey. From previously living in older homes that require plenty of love (and renovations), they’re looking at opening up their option into new build territory.
While most of us are familiar with new-car smellâthat distinct scent of a brand-new automobileâhome buyers might have caught a whiff of another scent entirely during their home-shopping spree: new-house smell.
What exactly is new-house smell? Also known as new-construction smell, it’s essentially a combination of smells given off by the many materials that go into building a houseâthings like fresh paint, carpet, wood, and adhesives. If thereâs any new furniture in the home, that could be contributing to the smell as well.
But is new-house smell unhealthy to breathe in, day after day? Here’s a closer look at what new-house smell is made of, and how to get rid of it, too.
What is new-house smell?
Before we dive deep into new-house smell, letâs take a step backâway backâand look at what causes anything to smell in the first place.
Bill Carroll Jr., an adjunct professor of chemistry at Indiana University, says all smells come from molecules in the air that your nose can detect. The molecules must evaporate to get into the air, and the more likely they are to evaporate, the more volatile they are and the easier they are to inhale and detect as odors.
âIf you can smell it, itâs because of a molecule in the air,â Carroll says. âThe fact that itâs in the air means that it is a volatile compound at least to some extent.”
As scary as “volatile” sounds, it doesnât necessarily mean a substance is dangerous or explosive. Carroll says it simply means that something can easily evaporate into the atmosphere, thus releasing an odor. For example, he says metals arenât very volatile, which is why you probably donât smell much (hopefully) if you sniff your stainless-steel refrigerator. Other materials like paints, adhesives, and plastics, however, are more highly volatile.
Are VOCs dangerous?
While new-house smells aren’t necessarily dangerous, there is some concern about certain types of volatile organic compounds, or VOCs, that exist in some building materials (e.g., paint, carpet, and furniture). Some have been linked to health issues, including cancer and central nervous system damage in people (e.g., construction workers who don’t wear face masks) exposed to high quantities of such materials.
“When you talk about VOCs that raise health concerns, that goes more to a substance’s inherent toxicity or reactivity,” Carroll says. “Itâs the difference between smelling a banana and smelling paint stripper, for example. They’re both volatile, but they have very different toxicities.”
“Regardless of odor, the ability of some of the VOCs emitted from any of [building] products and materials to cause health impacts or create other dangerous conditions varies greatly, depending on several factors,” according to the Environmental Protection Agency. “These factors may include the type and amount of VOCs emitted, the toxicity of the individual and combined VOCs, the ventilation rate in the space, the type and amount of other materials in the space, occupant level of exposure and length of time exposed, and the health of the exposed occupants.”
However, this is definitely not to say that a new-house smell will make you sick.
Watch: Get Smoker’s Smell Out of Your House for GoodâHere’s How
The good news is that because of concerns raised over certain dangerous VOCs in the past 40 to 50 years, thereâs a been a strong movement to reduce them. Carroll says thatâs most apparent in regard to paint. While oil-based paints used to emit high levels of VOCs and the odor would linger for a long time, todayâs paints contain virtually no VOCs and their odor dissipates more quickly.
In general, that means new houses today have much less of a pronounced smell than they did a years agoâand are less hazardous. For the overwhelming majority of the population, the odor is at worst a nuisance.
To reduce any potential indoor airârelated health impacts from VOCs, the EPA recommends using low-emitting products and building materials and increasing ventilation. The agency also offers further information on VOCs and indoor air auality.
How to get rid of new-house smell
âIf you like new-house smell, thatâs OK,â Carroll says. âIf you donât, itâs important to remember that the solution is dilution.â
He says for an empty house, that means opening the windows to air things out, and usually in a matter of days that new-house smell will disappear. Another solution is to âbakeâ a new home. Since some VOCs evaporate more quickly at higher heats, this technique has a homeowner turn up the heat in the unoccupied house for a few days while running fans to push them out the windows. Running exhaust fans and using an air purifier may speed things up, too.
Carroll says what’s more concerning than new-house smell, however, is what you bring into your place on your own.
âThe greatest source of VOCs is the stuff you bring into your house,â Carroll says. Items such as furniture, cleaners, waxes, and fragrances expose people to far more VOCs over the course of a lifetime.
Know this: If youâre moving into a new home and get a whiff of that telltale new-house smell, it will eventually wear off, even if you do nothing. Promise.
The post What Is New-House Smell? A Reality Check on the Risks, and How To Get Rid of It appeared first on Real Estate News & Insights | realtor.comÂ®.
Getting a mortgage, paying your mortgage, refinancing your mortgage: These are all major undertakings, but during a pandemic, all of it becomes more complicated. Sometimes a lot more complicated.
But make no mistake, home buyers are still taking out and paying down mortgages during the current global health crisis. There have, in fact, been some silver linings amid the economic uncertaintyâhello, record-low interest ratesâbut also plenty of changes to keep up with. Mortgage lending looks much different now than at the start of the year.
Whether youâre applying for a new mortgage, struggling to pay your current mortgage, or curious about refinancing, hereâs what mortgage lenders from around the country want you to know.
1. Rates have dropped, but getting a mortgage has gotten more complicated
First, the good news about mortgage interest rates: âRates have been very low in recent weeks, and have come back down to their absolute lowest levels in a long time,â says Yuri Umanski, senior mortgage consultant at Premia Relocation Mortgage in Troy, MI.
That means this could be a great time to take out a mortgage and lock in a low rate. But getting a mortgage is more difficult during a pandemic.
âAcross the industry, underwriting a mortgage has become an even more complex process,â says Steve Kaminski, head of U.S. residential lending at TD Bank. âMany of the third-party partners that lenders rely onâcounty offices, appraisal firms, and title companiesâhave closed or taken steps to mitigate their exposure to COVID-19.â
Even if you can file your mortgage application online, Kaminski says many steps in the process traditionally happen in person, like getting notarization, conducting a home appraisal, and signing closing documents.
As social distancing makes these steps more difficult, you might have to settle for a âdrive-by appraisalâ instead of a thorough, more traditional appraisal inside the home.
âAnd curbside closings with masks and gloves started to pop up all over the country,â Umanski adds.
2. Be ready to prove (many times) that you can pay a mortgage
If youâve lost your job or been furloughed, you might not be able to buy your dream house (or any house) right now.
âWhether you are buying a home or refinancing your current mortgage, you must be employed and on the job,â says Tim Ross, CEO of Ross Mortgage Corp. in Troy, MI. âIf someone has a loan in process and becomes unemployed, their mortgage closing would have to wait until they have returned to work and received their first paycheck.â
Lenders are also taking extra steps to verify each borrowerâs employment status, which means more red tape before you can get a loan.
Normally, lenders run two or three employment verifications before approving a new loan or refinancing, but âI am now seeing employment verification needed seven to 10 timesâsometimes even every three days,â says Tiffany Wolf, regional director and senior loan officer at Cabrillo Mortgage in Palm Springs, CA. âTodayâs borrowers need to be patient and readily available with additional documents during this difficult and uncharted time in history.â
3. Your credit score might not make the cut anymore
Economic uncertainty means lenders are just as nervous as borrowers, and some lenders are raising their requirements for borrowersâ credit scores.
âMany lenders who were previously able to approve FHA loans with credit scores as low as 580 are now requiring at least a 620 score to qualify,â says Randall Yates, founder and CEO of The Lenders Network.
Even if you arenât in the market for a new home today, now is a good time to work on improving your credit score if you plan to buy in the future.
âThese changes are temporary, but I would expect them to stay in place until the entire country is opened back up and the unemployment numbers drop considerably,â Yates says.
4. Forbearance isn’t forgivenessâyou’ll eventually need to pay up
The CARES (Coronavirus Aid, Relief, and Economic Security) Act requires loan servicers to provide forbearance (aka deferment) to homeowners with federally backed mortgages. That means if youâve lost your job and are struggling to make your mortgage payments, you could go months without owing a payment. But forbearance isnât a given, and it isnât always all itâs cracked up to be.
âThe CARES Act is not designed to create a freedom from the obligation, and the forbearance is not forgiveness,â Ross says. âMissed payments will have to be made up.â
Youâll still be on the hook for the payments you missed after your forbearance period ends, so if you can afford to keep paying your mortgage now, you should.
To determine if youâre eligible for forbearance, call your loan servicerâdonât just stop making payments.
If your deferment period is ending and youâre still unable to make payments, you can request delaying payments for additional months, says Mark O’ Donovan, CEO of Chase Home Lending at JPMorgan Chase.
After you resume making your payments, you may be able to defer your missed payments to the end of your mortgage, OâDonovan says. Check with your loan servicer to be sure.
5. Don’t be too fast to refinance
Current homeowners might be eager to refinance and score a lower interest rate. Itâs not a bad idea, but itâs not the best move for everyone.
âHomeowners should consider how long they expect to reside in their home,â Kaminski says. âThey should also account for closing costs such as appraisal and title insurance policy fees, which vary by lender and market.â
If you plan to stay in your house for only the next two years, for example, refinancing might not be worth itâhefty closing costs could offset the savings you would gain from a lower interest rate.
âItâs also important to remember that refinancing is essentially underwriting a brand-new mortgage, so lenders will conduct income verification and may require the similar documentation as the first time around,â Kaminski adds.
6. Now could be a good time to take out a home equity loan
Right now, homeowners can also score low rates on a home equity line of credit, or HELOC, to finance major home improvements like a new roof or addition.
âThis may be a great time to take out a home equity line to consolidate debt,â Umanski says. âThis process will help reduce the total obligations on a monthly basis and allow for the balance to be refinanced into a much lower rate.â
Just be careful not to overimprove your home at a time when the economy and the housing market are both in flux.
The post 6 Things Your Mortgage Lender Wants You To Know About Getting a Home Loan During COVID-19 appeared first on Real Estate News & Insights | realtor.comÂ®.
If you’re planning to buy or sell a house or a rental investment property, you might consider hiring a real estate attorney.
A real estate lawyer can provide legal protection. They can help you navigate the home-buying process, which can be complex.
In fact, many states require a real estate lawyer to be present at closing.
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Even if you live in a state that doesn’t require you to have a real estate attorney, it’s important to have one by your side.
But it’s also important to know who you’re dealing with, what they can do for you, and what’s in it for them.
Real estate attorneys can help structure transactions and closing. They will review documents well in advance before the closing to make sure there are no errors.
Real estate lawyers, however, can only represent one of the parties. The buyer and the seller’s interests can often be in conflict. Therefore, the attorney should never represent both parties.
Besides representing you in sales transactions, real estate attorneys can represent you in a courtroom as well.
During the home-buying process, disputes between the buyer and the seller may arise that will have to settle in court.
The real estate attorney’s qualifications
A real estate attorney, just as any lawyer, has attended 3 years of law school. In law school, they take courses in law in general, including real property and other real estate classes.
During law school, they may do internships at law firms which specialize in real estate law.
Once they graduate law school, they take to bar exam in the state they want to practice in.
Once they become licensed to practice, they can work in a law firm specializing in real estate law.
The real estate lawyer’s fees
A real estate attorney can charge by the hour or a fixed fee. How much their charge for their services depends on their reputation, their level experience, the level of complexity.
Regardless of the fee, your attorney will discuss it with you. Their hourly fee is typically between $150 to $350.
They’ll draft a retainer agreement and make the necessary disclosures before you can retain them.
The attorney’s role in real estate transaction
Real estate attorneys can have many roles. Their roles will vary depending on whether it is a simple transaction or a complex one, and whether a real estate broker is involved.
In some cases, a real estate broker can handle many aspects of real estate transactions. If that case, the real estate attorney’s role is often limited.
In other instances, the real estate lawyer plays a crucial role in all phases of the real estate transaction.
Nonetheless, a real estate attorney’s roles include acting as a legal counselor, negotiator, advisor and coordinator.
Real estate attorney as a legal counselor
A real estate attorney acting as a legal counselor can handle drafting the proposed contract. If there is a broker involved, the broker will prepare the contract.
But, your attorney will review it for any proposed changes. Your lawyer can also draft the deed and examine title documents.
If you retain a real estate agent or broker, your attorney may also review the broker’s agreement before you sign it.
Real estate attorney as a negotiator
If you hire a real estate lawyer before you sign a contract or before engaging in any contract negotiations, your attorney will assume that role. All communications from the other party or his or her attorney will be directed to your lawyer.
Your attorney will negotiate proposed changes to the contract, including the price of the house. They will review any mortgage contingency clauses.
In addition, your real estate attorney can negotiate the following matters:
Personal property to be included;
Repairs before closing;
The closing date;
You may not get a mortgage commitment within the stipulated date in the contract. So, your attorney may negotiate an extension of time to obtain the mortgage;
You may need an early possession of the house. Your lawyer can negotiate that.
Real estate attorney as an advisor
You, as a client, may not need strictlegal advice. You may just want your lawyer to be present for general advice. If you’re a first time home buyer or an elderly buyer, your attorney can also act as an advisor.
Real estate attorney as a coordinator
Your attorney can also act as your coordinator. Residential closings involve a lot of steps. And not everyone involved will follow them.
So, one of your real estate lawyer’s role is to contact the brokers, the title insurers, the mortgagees. They will also monitor the progress of obtaining financing, title policy, etc.
They will also contact the other attorney to make sure all parties are ready for the closing.
Your attorney’s responsibilities before closing
If you hire a real estate lawyer to represent you either as a seller or buyer, his or her responsibility before closing include the following:
Make sure you, as a buyer or seller, can fulfill the requirements imposed by the real estate sale contract
Review the title insurance;
Check the mortgage commitment;
Monitor status of the contract contingencies;
Examine closing documents for accuracy;
Coordinate closing date and time with the mortgage lender, seller and buyer’s broker;
If buyers will not attend the closing, obtain power of attorney for property to cover documents to be signed at closing;
Get wire instructions for payment of balance due at closing
In case a dispute arises between the parties, the real estate attorney can represent you in court.
Issues that might arise include damages and earnest money forfeiture, specific performance, misrepresentation, etc.
Do I need a real estate attorney?
Some states require a real estate attorney to be present during closing. They include Massachusetts, Maine, Alabama, Connecticut, Delaware, Georgia, Florida, Kansas, Kentucky, Virginia, West Virginia, South Carolina, Rhode Island, Pennsylvania, New York, North Dakota, Mississippi, New Hampshire, and New Jersey.
If you don’t live in any of these states and the District of Columbia, it’s really up to you if you want to hire a real estate attorney. If you’re just trying to save money and can barely afford to buy a house, you’re probably don’t need a real estate lawyer.
But if your real estate transaction is complex, a good real estate attorney can be an asset.
The bottom line…
Some states do not require you to have a real estate attorney during closing. However, it’s worth the cost hiring one especially if you’re buying a house in foreclosure.
Work With A Financial Advisor Near You
If you have questions beyond hiring a real estate attorney, you can talk to a financial advisor who can review your finances and help you reach your goals. Find one who meets your needs with SmartAssetâs free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.
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The post What Does a Real Estate Attorney Do? appeared first on GrowthRapidly.
Vinegar isnât the only super performer in your kitchen.
Windex â that simple $3 spray you keep under your sink â can be used to clean the interior of your car, to detail jewelry and even to unstick zippers.
Your store shelves probably carry several varieties of Windex, so if youâre cleaning fabric, stick with the clear version, and if youâre using it for a car, use the Windex Ammonia-free Glass Cleaner.
Aside from those suggestions, any of the Windex variations will do the job.
Here are 9 surprisingly effective uses for that familiar blue (or sometimes clear) bottle.
1. Moving Large Pieces of Furniture
Los Angeles-based interior designer John Linden uses Windex to slide large items that are stuck or too heavy to move.
âAll we need to do is to spritz some in front of the objects we want to move before pushing the item,â Linden says. Heâs then able to easily move that piece of furniture to its place.
As long as you use the ammonia-free version of Windex, you can use it on any type of flooring, including hardwood.
2. Cleaning Carpets and Upholstered Furniture
You thought Windex only worked on glass? Linden says heâll often spray Windex onto small stains, leaving it for 20 minutes to soak. Then he wipes right off the furniture.
Make sure to use the clear formula for this, as the blue formula may leave its own stains.
3. Insect Repellant
The smell of ammonia is strongly disliked by many insects, says Andrew Barker, founder of Homeowner Costs. As a result, Barker suggests spraying Windex by open windows and doors to keep bugs at bay.
4. Clean Your Car
Windex is also a great cleanser for cars, says Deidre Fisher, owner of Simply Bliss Cleaning in Salt Lake City, Utah. Use it on window and mirror smudges, on dashboards, the steering wheel and any plastic and leather surface.
Itâs also great for cleaning the screens and dials. âI just recommend spraying the cloth first and not the electronics directly,â Fisher says.
5. Washing Makeup Brushes
Makeup artist and lifestyle blogger Kerrin Jackson has been using Windex to clean her brushes and airbrush parts for more than a decade.
âThey make light work of breaking down the alcohol-based makeups and heavy-duty body makeup products that can sometimes be stubborn and difficult to clean from the inner workings of the airbrush parts,â Jackson says.
6. De-greasing Your Kitchen
Use Windex on your exhaust fans and range hoods in your kitchen, suggests Diana Rodriguez-Zaba, president of ServiceMaster Restoration by Zaba, a cleaning company in Chicago.
Rodriguez-Zaba suggests spraying Windex on the surfaces and letting it stand for 5-10 minutes, then wiping it clean and rinsing with water to remove any remaining chemical residue.
7. Cleaning Your TV Screen
Got a dusty TV? Dust is usually very prevalent on televisions because everyone is scared to clean them. But spray some Windex on a soft cloth and youâre good to go, says Abe Navas, general manager of Emilyâs Maids, a house cleaning service in Dallas.
8. Removing Stains From Clothing
It works well for red wine, tomato sauce, ketchup and more, says Jen Stark, founder of Happy DIY Home, a gardening and home improvement blog.
âYou can lightly spray the stain with Windex and let it sit for 15 minutes, as long as the clothing item isnât a delicate silk,â Stark said. âGet a clean cloth and blot at the stain before rinsing it in cold water.â
Follow this by washing the clothing as recommended. Make sure you use clear Windex for this task.
9. Cleaning Patio Furniture and Outdoor Surfaces
Benjamin Nguyen, owner of Full Color Cleaners, says he uses Windex to clean his patio furniture, making it look as good as new. It will clean everything from the furniture to outdoor surfaces, including brick.
For this task, go the extra mile and snag the Windex Outdoor Concentrated Cleaner, which is a 32 oz. spray bottle that attaches onto a hose ($27.66). Spray onto your aluminum siding, your brick, your windows â and with this tool, you wonât even need a ladder to do it.
Danielle Braff is a contributor to The Penny Hoarder.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
After moving from Nashville, Tennessee to Portland, Oregon, Branden Harvey shares his experience of moving from one side of the country to the other. From talking about the good, the bad, and the ugly of moving and how Homes.com can help you, Branden gives you advice for making the leap.
We are African-Americans and want to retire to a diverse area with moderate population, warm, beach, culture. We can afford a better-than-average lifestyle and want to feel accepted in our new community â hopefully somewhere with high walkability and homes with character. And maybe near a major airport…. for lots of traveling.
Let me know what you come up with.Â Thanks.
We all know there are plenty of beach towns in the U.S., but finding one with personality is a bigger challenge.
Iâm going to leave out some obvious places, like Miami Beach and, though less diverse, Hilton Head. On the West Coast, no Southern California. Too obvious. Plus, while you can afford a better-than average lifestyle, home prices there are so high that they could hamper your travel budget. The same goes for Sag Harbor and the Hamptons more broadly (plus youâd still have winter on Long Island).
Instead, Iâll look for some off-the-beaten path possibilities. Iâm sure readers will have their own suggestions.
As always, explore the area in all seasons, and be realistic about the retirement budget. When you find your dream place, ask which areas are susceptible to flooding during hurricanes and other storms.
The Atlantic: Wilmington, North Carolina
Check out the Cape Fear region, which includes Wilmington as well as beach towns like Carolina Beach and the more upscale Wrightsville Beach.
WilmingtonÂ is growing quickly and at 123,000 people has more than half of New Hanover Countyâs population. The share of those 65 and older are roughly in line with the U.S. average. Look for a place where youâll catch a breeze off the Intracoastal Waterway or the ocean to counter the summer humidity â so not too far inland.
Youâll have no shortage of cultural offerings, starting withÂ Thalian Hall, theÂ Cameron Art MuseumÂ and theÂ Wilson Center. The University of North Carolina Wilmington, which has 17,000 students, lets those 65 and olderÂ audit classes for free, while itsÂ Osher Lifelong Learning InstituteÂ offers shorter courses to those 50 and older.
Be sure to explore theÂ Gullah Geechee Cultural Heritage Corridor, which stretches from Wilmington to Jacksonville, Fla., and is home to cultural groups descended from enslaved peoples from West and Central Africa.Â Poplar Grove PlantationÂ is one local site.
Winter days get into the 50s, with average lows in the 40s. Average highs in July are in the 80s.
Hereâs whatâs on the housing market now inÂ WilmingtonÂ and inÂ New Hanover CountyÂ using Realtor.com (which, like MarketWatch, is owned by News Corp.).
As for travel, whileÂ Wilmington has an airport, youâll have more choicesÂ flying from RaleighÂ two hours away.
The Gulf of Mexico: Gulfport, Florida
Floridaâs popularity with retirees is no secret, in part because itâs affordable and has no state income tax. But all too often, home means living in a high rise or a gated community.
Gulfport, though, is described asÂ how Key West was before it became overrun with tourists.
This town of 12,000, just west of St. Petersburg, is your artsy, funky, walkable spot in the middle of the Tampa Bay metro area and its 3 million people. Youâll also find plenty of retirees; 30% of Gulfportâs residents are 65 or older.
Gulfport comes with sunset views from its own (man-made) strip of sand over Boca Ciega Bay so, yes, itâs on the Gulf side of Florida but technically not on the Gulf of Mexico. But opposite the bay is St. Pete Beach, whichÂ gets raves from TripAdvisorÂ (a local says head to the Pass-A-Grille section at the southern tip). When you tire of that, there are more white-sand beaches to sink your toes in, including Siesta Beach in Sarasota an hour south (andÂ Dr. Beachâs pick in 2017 for best beach in the U.S.) as well as Caladesi Island State Park (No. 6 on Dr. Beachâs list this year) an hour north.
And if you just want to walk, donât overlook theÂ 45-mile Pinellas TrailÂ that stretches from St. Petersburg to Tarpon Springs and goes through the northern edge of Gulfport.
For bigger getaways, thereâsÂ Tampa International Airport.
To get a sense of the local housing market,Â hereâs whatâs for sale now, again using Realtor.com.
As you explore the Tampa area, also check out Safety Harbor, a town of 18,000 on the western side of Tampa Bay with its own walkable downtown, and Dunedin (pronounced Duh-nee-din) north of Clearwater thatâs also popular with retirees. You know thereâs plenty of cultural offerings in a metro this size. One that might be easy to overlook: theÂ Dr. Carter G. Woodson African-American MuseumÂ in St. Petersburg.
The Pacific: Oahu, Hawaii
If year-round pleasant weather is the priority, Hawaii canât be beat. Average highs are in the 80s year-round, and average lows bottom out in the mid-60s. Of course thereâs no shortage ofÂ beautiful beaches.
When you tire of water, take advantage of wonderfulÂ hiking opportunities. And while the focus of your international travels might shift toward Asia, you may want to spend more time just staying, discovering Hawaiian culture andÂ exploring some of the national parks.
You admittedly wonât find a big population of African-Americans here, butÂ Hawaiians have a much more open and fluid view of race and diversityÂ than many of us on the mainland.
Start your search for your retirement life on Oahu Island. About a third of the islandâs million residents live in Honolulu itself,Â one of the countryâs most diverse and affluent citiesÂ and the birthplace of President Barack Obama. Curious aboutÂ sites associated with himÂ in some way?Â Here are even more.
Youâll find plenty of cultural offerings in Honolulu (including some ofÂ Hawaiiâs best festivals, as voted by readers of Hawaiâi Magazine), plus the state university (those 60 and older can audit classes for free).
Thereâs even Costco, if thatâs your thing. Oh, andÂ that Elvis statue…
Yes, thereâs the cost of getting everything to Hawaii â some things will be even more expensive than parts of California. HereâsÂ what the local housing market looks like.
If Honolulu is too pricey, consider some of the smaller towns on the island. Or check out the less-populated (and cheaper) Big Island, also known as Hawaii Island. Start with theÂ Kalaoa area.
The post We Want a Diverse Area With Moderate Population, Warm, Beach and CultureâSo Where Should We Retire? appeared first on Real Estate News & Insights | realtor.comÂ®.