April 2020 Sandpoint 360

APRIL2O2O 2020 APRIL

yourguide guide to to everything everything local your local THE DAVIES REAL ESTATE TEAM

Unlock your NEXT adventure!

Stronger Together To all seniors that need a helping hand during this trying time, our team wants to help make a small difference in your life.

We will provide pick up and delivery to your doorstep only with your groceries.

Call our office to reserve a time for our team to pick up your groceries.

Place your order at Walmart; email your receipt to our office.

The Davies Real Estate Team

208.263.0701

Located on the corner of First & Superior in beautiful Sandpoint. “Look for Luke” the French bulldog

IdahoPanhandleRealty@gmail.com 101 W. Superior St., Sandpoint, ID 83864

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aints today come in a whole range of colors and finishes. While choosing a color can be difficult and even agonizing, choosing the correct finish for your application shouldn’t be.

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The rule of thumb used to be gloss for trim, satin for living spaces and semi-gloss for bathrooms and kitchens. Please don’t do this! The new paint finishes are mainly water-based acrylics and have been developed to be very, very durable, even in low-luster finishes.

While high-gloss paint can certainly be used for trim, it can also be used for a wide variety of techniques, including INTEREST FREE FINANCING FOR ONE FULL YEAR! “lacquering,” which entails layering a rich-pigmented oil(OAC. MINIMUM PURCHASE $299) based paint$299) to achieve a glossy, polished, jewel-like finish.

(OAC. MINIMUM PURCHASE While this sounds impressive, it is certainly not for everyone, FREE SET-UP | FREE REMOVAL | DELIVERY AVAILABLE and something that high gloss accomplishes very well is highlighting every little flaw in the drywall or woodwork.

This technique is best left to professional painters and INTEREST FREE FINANCING AVAILABLE! requires perfect smooth-finish drywall and doors without (SEE STORE FOR DETAILS) dings of any kind. Glossy paint is very unforgiving, and I seldom recommend it, even for trim work.

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Instead, I recommend a semi-gloss or even satin finish for trim and millwork. The smooth finishes of these paints do a great job of repelling dust and grime and can be easily wiped down, but they are not so glossy as to call attention to little flaws or nicks that most of us have lived with on our doors or baseboards.

As far as using satin or semi-gloss on bathroom and kitchen walls, don’t do it. These finishes can look cheap and are hard to touch up. It is far better to use a more matte paint that touches up easily than to use something with a high sheen to it. The thought is that the glossier the paint, the more waterproof it is, but this is no longer the case. Any paint you use today is going to have a level of water protection, as most are synthetic latex paints, otherwise known as acrylic.

In essence, we are coating our walls in thin layers of plastic.

BEFORE

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Stump Grinding LLC

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Now, does shinier plastic protect better from moisture than matte plastic? Not really.

Does that mean you should go with the flattest of the flat paints? Something with no sheen at all? I wouldn’t recommend going that direction either. Flat paints can show imperfections in another way—their lightabsorbing surfaces show any change in color or texture. In addition, they are particularly susceptible to fingerprints, grease, or cracks of any kind.

My recommendation when choosing paint is to stay away from the extremes. For walls and ceilings, choose a matte paint, something with a light sheen that is still washable. This will be your most flattering—and most forgiving—surface. It bounces just enough light around to be beautiful, while still being durable enough for most interiors. These finishes can be called matte, eggshell or sometimes velvet, depending on the brand. Ask the paint specialist for the finish they would consider their “washable matte.” They will know how to help you.

For trim and millwork, choose a satin or semi-gloss finish. This will be easier to care for and look good in the long term. It also contrasts nicely with a more matte wall paint.

Always keep a bit of each paint on hand for touch-ups (I like to keep mine in labeled mason jars under the sink), and don’t be afraid to wipe down your trim regularly with a mild abrasive-free cleaner. Usually a little dish soap and water will do the trick. This will keep your new coat of paint looking great well into the future.

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www.edwardjones.com

FINAN

CIAL FOCUS

Time for Some Financial Spring Cleaning This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Caleb Bowman

S Why? Because we’re built for listening ment. pring is officially here—and for many of us, that means it’s time for some spring cleaning around our homes and yards. But why stop Edward Jones ranks highest there? This year, why not do some financial spring cleaning, too? in investor satisfaction with

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• Put your house in order. As part of your spring cleanup, you may want to check for damage on your roof, windows, siding and so on. But you also need to put your financial house in order, especially as it regards to protection. Do you have adequate life insurance? If not, your family could suffer if something were to happen to you. And have you thought about how you could pay for long-term care if you needed it? The average annual cost for a private room in a nursing home is about $100,000, according to the insurance company Genworth. To retain your financial independence—and also to help protect your grown children from possibly having to deal with these costs—you may want to explore some type of long-term care insurance.

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Contact me at 208-255-7405 to get started

To learn why By doing some spring cleaning around your home, consolidating you’ll lighten up your living space. And doing some financial spring cleaning may help you brighten your your retirement future.

Philosophy • “Declutter” your portfolio. As you go about accounts to sprucing up your house, you may find that you have Edward Jones is a licensed insurance producer in uses on quality investments Edward Jones a lot of clutter. Do you really need three mops? And all states and Washington, D.C., through Edward are you holding on to those old calendars for any D. Jones & Co., L.P. and in California, New Mexico makes sense, Study based on responses from more than 4,629 investors primarily invest with one of Why? Because we’re built for listening. good reason?

You’ll probably feel much better about who and Massachusetts through Edward Jones Insurance use the we’re built for listening. contact your surroundings when you declutter them—and 18 firmsyour included in the study.

The majority of the study was fielded inL.L.C.; December Agency of California, Edward Jones2018.

Insurance So what’s important the same may to be trueyou? of your investment portfolio. yourYour individual needs Agency of New Mexico, L.L.C.; and Edward experiences may vary. Rating may not be indicative of future performance and mayJones not Edward Jonesto For example, do you own several investments that s important you?

Insurance Agency of Massachusetts, L.L.C. Contact me at 208-255-7405 to get started. be representative of any one client’s experience because it reflects an average of experiences are virtually identical? If so, you might want to financial advisor consider ways to help diversify your holdings. While of responding clients.

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Your experiences may vary. Rating may not be indicative of future performance and may not be representative of any one client’s experience because it reflects an average of experiences of responding clients. Visit jdpower.com/awards.

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more than 4,629 investors who primarily invest with one of y. The majority of the study was fielded in December 2018. ng may not be indicative of future performance and may not ent’s experience because it reflectsCaleb an average of experiences L Bowman wer.com/awards.

Financial Advisor

Financial Advisor .

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Member SIPC

• Recharge your batteries. When you do your household spring cleaning, you may want to check the batteries on your smoke alarm, carbon monoxide edwardjones.com Member SIPC detector and other devices. And as part of your financial spring cleaning, you might need to recharge your own investment “batteries,” so to speak. In other words, increase the power you’re providing to your portfolio. You can do this in a few different ways.

First, you can increase your contributions to your 401(k) or similar retirement plan every time your salary goes up. You can also try to “max out” on your IRA contributions each year. (For 2020, you can put in up to $6,000 in an IRA, or $7,000 if you’re age 50 or older). Another way to increase your investment voltage is to make sure you’ve got adequate growth potential in your portfolio based on your goals and risk tolerance.

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Ask Yourself:

We Can Support Clients Who:

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An extensive criminal background and driving history is also performed.

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» » » » » » » »

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• • • •

Services

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• • • • •

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“IF YOU SAY, ‘THE LORD IS MY REFUGE,’ AND YOU MAKE THE MOST HIGH YOUR DWELLING, NO HARM WILL OVERTAKE YOU, NO DISASTER WILL COME NEAR YOUR TENT. FOR HE WILL COMMAND HIS ANGELS CONCERNING YOU TO GUARD YOU IN ALL YOUR WAYS; THEY WILL LIFT YOU UP IN THEIR HANDS, SO THAT YOU WILL NOT STRIKE YOUR FOOT AGAINST A STONE.”

Psalm 91: 9-12

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