My previous post suggested that changing zoning and obtaining government approval for Accessory Dwelling Units (ADUs) is a new idea, but that’s not entirely accurate. ADUs have been around for a long time. We often think of them as modern inventions, yet they’ve existed for generations in various forms, including carriage houses, caretaker cottages, in-law suites, and apartments over garages. Throughout history, families have used these smaller spaces to accommodate relatives and staff.The core idea remains the same: a smaller, self-contained home on the same property provides flexibility, privacy, and additional living options. It’s interesting to note that when these structures were initially built, homeowners typically didn’t need formal approval. They could enhance their properties ... 11/11/2025

Why Buying a Home Before the End of the Year Can Be a Smart MoveYou might think the holidays are a quiet time for real estate, but actually, buying a home before the end of the year can have some significant advantages. First, there are tax benefits. If you close before December 31, you may be able to deduct mortgage interest, property taxes, and even points paid to lower your mortgage rate on this year’s taxes.  Every little bit helps when it comes to planning your finances.Then there’s the motivation factor. Many sellers want to wrap things up before the new year, so they might be more willing to negotiate on price or other terms. You might find a home that has been on the market for a while and is priced just right, because the seller wants a year-end closing.Interest rates are anoth... 11/14/2025

 This is for the assignment for Tuesday's Zoom meeting. We had another fun and lively sharing session with a baker's dozen of Rainers, all discussing and learning from one another. Kathy hosted the meeting while Eileen Burns did a fantastic job leading the roundtable discussion, encouraging each person to share their business plans for the upcoming year.  Each week, the associate editor of the Baltimore Jewish Times selects one of my blogs to feature, whether it's a recent one or something from years ago.While I have always included some image, either one of my own photos or a creation from iPiccy or another program, I've noticed that the pictures associated with my older posts are, well, old!So, when I receive a request to publish one of my old topics, I then have the fun of coming up ... 11/15/2025

 Maryland Homestead Tax Credit protects homeowners in Baltimore County and Baltimore City from significant property tax increases.When home values increase, so can your taxes.  Maryland's Homestead Credit limits how much your taxable assessment can rise. Even if your home value jumps significantly, your county can only tax a small portion of that increase each year, usually capped at 4% to 10%. That percentage is based on the county. This means your tax bill will rise gradually and predictably, avoiding sudden shocks. Maryland stands out because it offers protection from sudden property tax increases, rather than a flat tax break. This is beneficial for long-time homeowners, seniors on fixed incomes, and buyers in rapidly appreciating neighborhoods.More reasons to buy before the end of ... 11/17/2025