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“There is something infinitely healing in the repeated refrains of nature - the assurance that dawn comes after night, and spring after winter.”
― Rachel Carson
> Photo by Regina Matarazzo
> 1803 portrait of George Washington by Gilbert Stuart.
APRIL 30, 1789
THE DAY GEORGE WASHINGTON BECAME THE COUNTRY’S FIRST PRESIDENT
By John L. Moore
THE SENATOR’S SURPRISE VISIT
In early 1789, as the federal government began organizing in New York, William Maclay, a surveyor-turned-politician from Harrisburg, traveled to Manhattan to become one of Pennsylvania’s first two U.S. senators.
Ratified in June 1788, the U.S. Constitution took effect on March 4, 1789, with New York as the nation’s temporary capital.
Maclay made it a point to be present on the first day that the U.S. Senate convened at Federal Hall, a building on Wall Street where the Congress would meet. He had arranged for lodgings in a Lower Manhattan rooming house within walking distance of “The Hall,” as members of Congress soon called the building.
A surprise awaited Senator Maclay some weeks later. It was April 28, a Tuesday. “I had dressed and was about to set out,” the senator said later. To his astonishment, “General Washington, the greatest man in the world, paid me a visit.”
Washington had not yet taken the oath of office as president. He had entered the rooming house, looking for Maclay. “I met him at the foot of the stairs,” Maclay said.
Just then, the senator’s roommate, U.S. Rep. Henry Wynkoop of Bucks County, came in. Wynkoop and Maclay welcomed the president-elect warmly. “We asked him to take a seat,”
But Washington, who had arrived in Manhattan only five days earlier, declined. He explained that he had stopped only for a moment, and that he was riding around the city to greet all the members of Congress.
“He excused himself on account of the number of his visits. We accompanied him to the door,” Maclay wrote in his journal that night. “He made us complaisant bows, one before he mounted and the other as he went away on horseback.”
Washington had arrived in New York to great fanfare. He had come directly from his home in Virginia when notified of his election. He would be inaugurated on April 30, which was just two days away.
However brief, Washington’s courtesy call on Maclay became a memorable event in the senator’s life, which had many notable occasions.
In 1758, as a 21-year-old soldier during the French and Indian War, Maclay had crossed the Allegheny Mountains, all heavily forested, ready for battle in what has become western Pennsylvania. A lieutenant in a battalion headed for the Ohio River Valley, he was one of hundreds of Pennsylvania troops marching alongside British regulars in an expedition led by Gen. John Forbes. The campaign forced the French to evacuate Fort Duquesne at present-day Pittsburgh. Washington had taken part in the same campaign.
“Without a quorum, the Senate and House could neither elect officers nor count and certify the votes cast for president and vice president by members of the new Electoral College.”
During the Revolution, Maclay twice served under Washington’s command. “He took part in the battles of Trenton and Princeton,” according to historian Lewis R. Harley. These took place in December 1776 and January 1777, respectively.
Maclay lived in Sunbury, a frontier village on the Susquehanna River, for more than a decade. “From 1781 to 1785, he represented Northumberland County in the Pennsylvania Assembly, while in 1786, he was a member of the Supreme Executive Council of the State,” Harley reported in his 1909 monograph, “William Maclay, United States Senator from Pennsylvania, 1789-1791.”
During the late 1780s, Maclay acquired 200 acres in presentday Harrisburg and moved there, Harley said. When his fatherin-law, John Harris Jr., requested his help in creating a new town, “Maclay proceeded to lay out the town of Harrisburg,” Harley said.
A portrait depicting Maclay in mid-life shows him as balding with dark hair. In an age when a man was considered tall at six feet, Maclay “was six feet and three inches in height, light complexion, while his hair, in middle age, appears to have been brown, and was tied behind or clubbed,” said Edgar S. Maclay, a distant relative who edited the 1890 edition of Maclay’s journal.
In January 1789, the state legislature elected Maclay as one of Pennsylvania’s first U.S. senators. Robert Morris of Philadelphia was the other senator.
During the Senate’s initial term, it was decided that one senator from each state would have a six-year term and that the other would have a two-year term. “The question as to who should hold the long term of office was decided by lot,” according to Edgar Maclay. Maclay drew the shorter term, and Morris, the longer one.
Maclay and Morris traveled to New York to take their seats in the Senate, which was scheduled to hold sessions at Federal Hall. The building had been New York’s old city hall and had been repurposed for use by the new Congress.
Ten states had ratified the Constitution by then, but when the Senate convened on March 4, only Maclay, Morris, and six other senators showed up. In the House of Representatives only 13 representatives turned out. Neither chamber had a quorum. Without a quorum, the Senate and House could neither elect officers nor count and certify the votes cast for president and vice president by members of the new Electoral College. Consequently, “the meeting of Congress was adjourned,” reported New York historian Thomas E.V. Smith.
“Daily adjournments continued until the 1st of April when the House, having a quorum of thirty members, organized and chose as speaker Frederick Augustus Muhlenberg of Pennsylvania,” Smith reported. “No quorum appeared in the Senate until the 6th of April.”
With the required number of federal lawmakers finally at hand, the two chambers met in joint session on April 6. They counted the Electoral votes, and certified that Washington had been elected president, and John Adams, vice president.
2025 PHOTO CONTEST ENTER YOUR BEST SHOTS
Your photos could be seen by more than 26,000 readers when you enter them in Pocono Living Magazine’s Annual Photo Contest. The contest is open to amateur photographers only. (Those who do not earn a majority, over half, of their income as photographers).
You may enter no more than 15 images, so choose your best shots.
Categories are “Scenics”, “Wildlife”, “Florals”, and “Historical Structures”.
Only photographs that are representative of the Pocono Mountains should be submitted. Individual photos should be attached to an email message and sent to: larry@poconomagazines.com. Photos submitted must be high resolution, (300 dpi), jpg or tiff files or they cannot be used. You must include your full name in the title with each photo submitted as you would like it to appear in the magazines. We will contact you for your mailing address to receive your prize if your photo is chosen as a winner in the contest.
Winning photos, along with the names, and hometowns if available, of each winner will appear in the October/November 2025 issue of PoconoLivingMagazine and the PoconoMagazines.com website. Some lucky participants may have their photo featured as a cover on PoconoLivingMagazine!
Your photos could be seen by more than 26,000 readers when you enter them in Pocono Living Magazine’s Annual Photo Contest.
RULES OF THE CONTEST:
1. Contest open to amateur photographers only.
2. Contest opens April 1, 2025 and closes August 1, 2025.
3. Enter electronic files by email to: larry@poconomagazines.com.
One photo at a time.
4. Submitted photos must be as an attachment to an email message, (not within the body of the email), and be high resolution (300 dpi), jpeg or tiff files.
5. Please include your contact information (phone number, mailing address & email address) with the submission.
6. Each contestant may submit no more than 15 photographs. Choose any combination of categories.
7. Photos submitted may be judged for inclusion in this year’s contest, and in all future year’s contests, so you have several chances to be a winner.
8. Entered photos must have been taken recently, from January 2015 to present and be of a scene or subject found in the Pocono Mountains only.
10. Judging will take place in August and September 2025.
11. Winners will appear in the October/November issue of Pocono Living Magazine.
12. Contestants will retain all rights to their photography, but agree that Pocono Magazines, LLC and Pocono Mts. Publications, LLC may use their photos from time to time in the magazines that they publish and on the Pocono Magazines.com website provided proper credit is given to each photographer.
Questions? Email the editor at: larry@poconomagazines.com
Photo by Ray Caswell
> Painting shows George Washington taking the oath of office as first president of the United States on April 30, 1789. Members of Congress and other dignitaries stand in the background.
part two
SUMMONING WASHINGTON
With the Electoral votes finally counted, Congress directed Charles Thomson, who had been secretary of the old Continental Congress, to personally inform Washington of the results. To do this, Thomson traveled to Washington’s home at Mount Vernon in Virginia and delivered an official letter informing him “of your unanimous election to the office of President of the United States of America.” (The letter was written by Sen. John Langdon of New Hampshire who had served as the Senate’s president pro tempore.)
Thomson left Manhattan on April 7, apparently on horseback. The 240-mile journey to Virginia took eight days. He said later that conditions along the way– “tempestuous weather, bad roads, and…many large rivers I had to cross”–“much impeded” his progress. His itinerary took him across parts of New Jersey, Pennsylvania, Delaware, Maryland and Virginia. The rivers he crossed included the Hudson, the Delaware, the Schuylkill, the Christina and the Potomac.
Thomson said that when he arrived at Mount Vernon at noon on April 14, “I found His Excellency at home.” He gave Langdon’s letter to Washington, who read it and wrote a short reply, saying that he would accept the office and would soon leave for New York. “I propose to commence my journey on Thursday morning, which will be the day after tomorrow.”
Presumably, Washington’s response was given to an express rider to deliver to Congress days before Washington himself would arrive in Manhattan.
Bound for New York, Washington left Mount Vernon on April 16, accompanied by his private secretary, Colonel David Humphreys, and Thomson. It’s likely that Washington also took an enslaved man along as his personal servant.
All along the way, well-wishers lined the road, some waiting for hours to see Washington pass. People applauded and cheered as he rode by. Local celebrations feted him as he traveled north through Wilmington, Philadelphia, and Trenton.
The last leg of the journey was ironic. In November and December of 1776, British and Hessian soldiers had pushed a retreating Washington and the Continental Army across New
> Amos Doolittle engraving shows Federal Hall on Wall Street in New York on April 30, 1789. George Washington is taking the oath of office on a second-floor balcony.
> U.S. Sen. William Maclay of Pennsylvania attended Washington’s inauguration and wrote about it in his journal.
Jersey toward Trenton and into eastern Pennsylvania. Now the president-elect traveled over much of the same countryside, but in reverse. He moved north from Trenton, headed toward New York Harbor where, at Elizabeth Point, a group of dignitaries awaited him. Also, 13 river pilots–one for each state–each dressed in white uniforms, stood ready to row him across the Hudson in an open boat called a barge.
The trip from Mount Vernon to Elizabeth Point had taken eight days. On the afternoon of April 23, a crowd of thousands lined the New York waterfront. When Washington left New Jersey, a cannon was fired at Elizabeth Town to signal spectators in Manhattan that he was on his way.
“It was attended with the New Haven and Rhode Island (mail) packets and a number of boats and barges decorated in the most beautiful manner.”
Washington’s boat, powered by a sail as well as by the oarsmen, passed the Battery on the tip of Manhattan, moved into the East River, and pulled into Murray’s Wharf at the foot of Wall Street.
“The general’s barge had an awning hung round with red morene (woolen) curtains,” Dr. James Cogswell said in a letter written that night. “It was attended with the New Haven and Rhode Island (mail) packets and a number of boats and barges decorated in the most beautiful manner.”
One of the ships, a Spanish sloop called the Galveston, fired a 13-gun salute after the presidential barge went by.
Lower Manhattan was awash with spectators. ““From the Battery to the Coffee House, where the general landed, the ships, docks, and houses were crowded with people as thick as they could stand,” Cogswell said. “The guns of the Battery were fired as soon as the general passed, and all the people upon the Battery gave three huzzas.
“The cheers were continued along the Battery unto the place of landing, as the barge passed,” Cogswell said. “I was on board Captain Woolsey’s ship, … and had a very fine prospect.”
The doctor managed to get a good look at Washington. “The general was dressed in blue, with buff-colored under-clothes,” he said.
> George Washington was at home when official news arrived at Mount Vernon that he had been elected president. Edward Savage painting shows the mansion at Mount Vernon on a hill overlooking the Potomac River at far left. (Courtesy of The Mount Vernon Ladies’ Association.)
> Howard Pyle painting depicts congressional messenger Charles Thomson at Mount Vernon on April 14, 1789, as he informs George Washington of his election as first president of the United States.
“Immediately upon his landing, thirteen guns were fired from the dock, and the whole city rung with repeated huzzas,” Cogswell said.
An elegant residence, already being called the President’s House, awaited Washington. It was a three-story rental property on Pearl Street close to the East River.
“The procession immediately formed and proceeded from the Coffee House into Queen Street and then to the President’s House,” said Cogswell, a vice president of New York’s Society for the Relief of Distressed Debtors.
Eliza Morton, a teenage girl in 1789, years later remembered watching Washington go by. “I was at a window in a store on the wharf where he was received,” she said. A carriage was standing by to take Washington to the President’s House, “but he preferred walking through the crowded streets, and was attended by Gov. (George) Clinton and many officers and gentlemen.”
She described the occasion as a moment of great exuberance. “He frequently bowed to the multitude, and took off his hat to the ladies at the windows, who waved their handkerchiefs, threw flowers before him, and shed tears of joy and congratulation.”
Cogswell reported that later Washington “was conducted… to the house of Governor Clinton, with whom his Excellency dined.”
part three
INAUGURATION DAY
Washington’s inauguration took place on April 30, 1789, in Federal Hall, where renovations were still under way.
Since the states would be sending more representatives to the House than to the Senate, the House chamber was larger: shaped like an octagon, it was 61 feet deep, 58 wide and 36 high. In contrast, the smaller Senate chamber was 40 feet long, 30 wide and 20 high with an arched ceiling.
Work on the second-floor Senate chamber had been completed when Congress convened. Smith reported that two staircases–one public, the other private–led to the Senate chamber and related lobbies.
The senators sat on chairs arranged in a semi-circle that faced a chair designated for the president of the Senate, who was also the vice president of the U.S.
There were three windows along the front of the chamber, and three along the back. “Those in front open into a gallery 12 feet deep guarded with an elegant iron railing.” It was on this gallery overlooking Wall Street that Washington took the oath of office.
As he prepared to leave his rooming house that morning, Senator Maclay happily anticipated the inauguration. “This is a great, important day,” he said later. “About 10 dressed in my best clothes.”
The Senate was scheduled to convene at Federal Hall in late morning–at 11:30, to be exact. When Maclay arrived, “the crowd (was) already great.”
The Senate met, and “the vice president (John Adams) rose in the most solemn manner.”
” The comment prompted Sen. Charles Carroll of Maryland “to declare that he thought it of no consequence how it was in Great Britain.”
While they waited for Washington to arrive, the senators discussed how they should behave during the inauguration and related ceremonies. Sen. Richard Lee of Virginia remarked that when the king of England addressed Parliament, “the Lords sat and the Commons stood.” The comment prompted Sen. Charles Carroll of Maryland “to declare that he thought it of no consequence how it was in Great Britain.”
Writing in his journal that night, Maclay reported details of these off-the-record conversations. The journal shows that as the discussion ended, members of the House filed into the chamber and joined them. Senators sat on one side of the room, House members on the other.
As they awaited Washington, the Speaker of the House was introduced, followed by introductions of the representatives. Then the waiting began in earnest. “Here we sat an hour and ten minutes before the president arrived,” Maclay said.
Washington finally entered the chamber. He passed between the senators and representatives, “bowing to each. He was placed in the chair by the vice president, the Senate with their president on the right, the Speaker and the Representatives on his left.”
Adams “rose and addressed a short sentence to him. The import of it was that he should now take the oath of office as president.” Adams “finished with a formal bow, and the president was conducted out of the middle window into the gallery.”
The senators and representatives, along with Governor Clinton and Robert R. Livingston, chancellor of the State of New York, accompanied Washington and Adams onto the balcony.
Thousands of people thronged the street below. They watched as “the oath was administered by the chancellor,” Maclay reported. The crowd then “gave three cheers.” They waved their hats and cheered again “on the President’s bowing to them.”
With the oath taken, the president, vice president, members of Congress, Clinton and Chancellor Livingston returned to the Senate chamber. “The president took the chair, and the senators and representatives their seats,” Maclay reported. “He rose, and all arose also, and (he) addressed them.”
Washington began by saying, “Fellow citizens of the Senate and of the House of Representatives.” He read from a hand-written text, which the National Archives has preserved.
Washington had turned 57 in February, and he told the Congress that he had truly wanted to remain at Mount Vernon, “the asylum of my declining years,” but found himself unable to resist when “summoned by my country” to become its first president.
He discussed the nation’s need to preserve “the sacred fire of liberty” and to help it achieve “the destiny of the republican model of government.” He said he saw these as essential to the success of “the experiment entrusted to the hands of the American people.”
Washington stressed that he wouldn’t accept a salary. He would, however, be amenable to monetary reimbursements “limited to such actual expenditures as the public good may be thought to require.”
In writing about the inauguration that night, Maclay described Washington’s wardrobe. (“He was dressed in deep brown, with metal buttons, with an eagle on them, white stockings, … and sword.”) He also focused on Washington’s demeanor and behavior as he spoke rather than on the content of the speech.
An experienced and effective speaker himself, Maclay was struck by what he interpreted as the president’s discomfort. “This great man,” he said, “was agitated and embarrassed more than ever he was by the leveled cannon or pointed musket. He trembled, and several times could scarce make out to read, though it must be supposed he had often read it before.”
Maclay added other details. As he spoke, Washington fidgeted with his fingers and made at least one awkward gesture with his
“Washington stressed that he wouldn’t accept a salary. He would, however, be amenable to monetary reimbursements”
hands. In Maclay’s opinion, these gestures detracted from his speech. “I sincerely, for my part, wished … that this first of men had read off his address in the plainest manner, without ever taking his eyes from the paper, for I felt hurt that he was not first in everything.”
As a formal address given to Congress, Washington’s speech was a short one. As transcribed by the National Archives, it only ran 1,129 words.
Following the speech, Washington, Adams, members of Congress, an assortment of congressional aides, constables, marshals, and other dignitaries all walked to St. Paul’s Chapel, an Episcopal church on Broadway.
Maclay described the walk as “a grand procession” that was “well conducted and without accident.” Security was tight. “The militia were all under arms, lined the street near the church, made a good figure, and behaved well.”
At Saint Paul’s, “prayers were said by the bishop,” the senator said..
This was a reference to the Rt. Rev. Samuel Provoost, the Episcopal bishop of New York.
In planning for the inauguration, organizers had advocated a nighttime celebration that included fireworks, but many New Yorkers had objected. They remembered when fire in September 1776 had burned much of the town. They expressed “some alarm because of the danger of fire and accident,” Smith said.
Even so, “a display of fireworks at the Fort (in Lower Manhattan)…for two hours and included rockets, wheels, tourbillions, fountains, serpents, cascades, and many other pyrotechnic devices,” Smith said.
As Maclay remarked, “In the evening there were grand fireworks, and after all this the people went to bed.”
JOHN L. MOORE
John L. Moore continues to pursue his lifelong interests in Pennsylvania’s colonial history and archaeology. The Northumberland writer has published 15 nonfiction books about Pennsylvania during the 17th and 18th centuries. His most recent book, “Border War,” is the seventh volume in his ongoing Revolutionary Pennsylvania Series. It is available in bookstores and online at the Sunbury Press Bookstore. Over the years John has participated in archaeological excavations of Native American sites along the Delaware and Susquehanna Rivers. A professional storyteller, he specializes in telling historically-accurate stories about real people and actual events in Pennsylvania history. These include the true story of Frances Slocum, a 5-year-old girl who lived as a Native American after being kidnapped by Indians during the American Revolution. Frances Slocum State Park near Wilkes-Barre was named for her.
Lake
SPRING INTO STAIN SEASON WITH THE HOTTEST OUTDOOR COLOR OF 2025
Courtesy of BPT
Photo
Exterior wood requires regular upkeep to prevent weather damage and preserve its longevity. Coming off a long winter of snow and rain, it's important that homeowners tend to their decks and outdoor furniture to maximize the lifespan of their wood.
Spring marks the ideal time for homeowners to prepare their outdoor spaces for the warmer months ahead. With BBQs, summer holidays and dinner parties just around the corner, homeowners are looking to level up their exteriors with a new stain.
"In addition to its functionality, wood stain can noticeably transform an outdoor space," said Ashley McCollum, color expert. "Whether you're updating your deck, furniture or fence, a new finish can significantly enhance your curb appeal."
“There’s been a notable shift over the years from light, muted colors toward richer, deeper hues that exude warmth and comfort”
Before embarking on a stain project, it's important to select the color and level of transparency that will achieve the desired finish, specific to each wood type.
According to the color experts for popular woodcare brands Olympic Stains, Pittsburgh Paints & Stains and Flood wood finishes, this year, homeowners are searching for fail-proof stain colors that empower them to design their spaces with ease. While modest blacks and subtle white oaks previously dominated the color space, homeowners appear more drawn toward warmer stains that complement their modern, minimalist eras while adding depth and character to their spaces.
"There's been a notable shift over the years from light, muted colors toward richer, deeper hues that exude warmth and comfort," said McCollum. "Like in their homes, people are trying to add bolder colors to personalize their spaces."
Classic American Fine Dining
A popular choice that is most known for transcending design styles, Oxford Brown, was revealed as the top trending stain color for 2025. As a warm, earthy hue that evokes a rustic vintage charm, Oxford Brown is ideal for wood that has lost its luster over time. Its design versatility makes it well suited for exterior spaces that are both future-inspired and classic designs.
"Oxford Brown can adapt to both a modern, rustic look or an aged, historic style," said McCollum. "Its timeless and adaptable properties harmonize with all environments, making it a truly versatile choice for anyone looking to level up their exterior."
After selecting a color, there is an option of transparency type. Oxford Brown is available as a semi-transparent and solid stain, so homeowners and DIYers can select the option best suited for their project.
For a rich finish that enhances the wood grain, woodcare experts recommend Oxford Brown in a semi-transparent stain and sealant, such as Olympic Maximum, Pittsburgh Paints & Stains Paramount or Flood Wood Finishes Pro. For a deeper, alternative look better suited for weathered wood, homeowners can opt for Oxford Brown in a solid ready-mix stain.
Photo Courtesy of BPT
Homeowners and DIYers can consider updating their outdoor spaces with one of the following stain projects:
* Beautify your deck and furniture. Choosing the right stain color and transparency can enhance the natural beauty of the wood. A semi-transparent stain adds a subtle color and enriches the deck's natural grain, while a solid stain provides maximum protection to aging wood surfaces.
* Protect your pergola against the elements. While rain can warp and crack wood, leaving residues of mold and mildew, the harsh sun can be just as damaging for your pergola. Intense heat can dry and discolor the wood, causing it to split and turn gray. It's recommended to stain and seal your pergola every one to three years to protect it against these harsh conditions and preserve its natural beauty.
* Revive your fence from years of weathering. Fences can easily detract from a house if the wood looks faded and unkept. A semi-transparent or solid stain can add major curb appeal, reviving wood that has lost its luster over time in three steps (See www.olympic.com/advice/how-to-stain-a-fence).
This year's stain color of choice for homeowners and DIYers, Oxford Brown, is available at The Home Depot, Menards, PPG Paints stores and independent retailers.
INSTALLING BATHROOM TILE LIKE A PRO
Courtesy of Family Features
Updating the flooring can help infuse new life into tired, outdated bathrooms. For an upscale, polished look that doesn't have to break the bank, consider installing tile flooring.
Before you get started, you'll want to make some decisions about the look and feel of your flooring:
Ceramic or stone? Weigh factors such as porosity, how slippery the surface may be when wet and how well it retains heat or cold. Ultimately, your decision hinges on the needs and uses of your family.
Complement or contrast? Define the overall style you want as well as the colors and tones that will help best achieve your vision.
Big or small? Generally, the larger the tile, the fewer grout lines, and too many grout lines in a smaller space can create the illusion of clutter. However, smaller tiles can eliminate the need to make multiple awkward cuts, and small tiles are perfect for creating accent patterns or introducing a splash of color.
When you've got your overall look and materials selected, keep these steps in mind as you begin laying the flooring:
Prepare your subfloor. Use a level to check for uneven spots; you need an even surface to prevent cracks in the tile or grout as well as rough spots that could pose tripping hazards. Use patching and leveling material to create a consistent surface. Apply a thin layer of mortar then attach your cement backer board with screws. Cover joints with cement board tape, apply another thin layer of mortar, smooth and allow to dry.
Ensure square placement, draw reference lines on the subfloor using a level and carpenter square. Tile should start in the middle of the room and move out toward the walls, so make your initial reference lines as close to the center as possible Mark additional reference lines as space allows, such as 2-footby-2-foot squares.
Do a test run with your chosen tile by laying it out on the floor. There arecolor variations in most tile patterns, so you'll want to verify each tile blends well with the next.
“Updating the flooring can help infuse new life into tired, outdated bathrooms. For an upscale, polished look that doesn’t have to break the bank, consider ins talling tile flooring.”
Photo Courtesy of Dan Counsell on Unsplash
Mix tile mortar and use the thin side of a trowel to apply mortar at a 45-degree angle. Use the combed side to spread evenly and return excess mortar to the bucket. Remember to apply mortar in small areas, working as you go, so it doesn't dry before you're ready to lay the tile.
When laying tile, use your reference lines as guides. Press and wiggle tile slightly for the best adherence.
Use spacers to create even lines between one tile and the next, removing excess mortar with a damp sponge or rag.
“Define the overall style you want as well as the colors and tones that will help best achieve your vision.”
As you complete a section of tile, use a level and mallet to verify the tiles are sitting evenly.
Let mortar dry 24 hours before grouting.
Remove spacers then apply grout to joints, removing excess as you go.
Allow grout to dry per the manufacturer's instructions then go back over tile with a damp sponge to set grout lines and clean grout residue.
Once grout has cured - usually at least a couple weeks - apply sealer to protect it.
Find more ideas and tips for updating your bathroom at eLivingtoday.com.
Window Replacement
THINGS HOMEOWNERS SHOULD LOOK FOR
Courtesy of BPT
I s your home drafty? Are your windows sticking or hard to open and close? Do you get fogging between the windowpanes? Energy bills creeping higher and higher? These are all signs your windows may need to be replaced. It's a major undertaking and can be a confusing one. You'll find a wide array of styles, materials and more out there. How should you go about choosing the best windows for your home? It's a combination of form and function, according to Kate Land, vice presidentproduct and innovation at Cornerstone Building Brands - a leading manufacturer of exterior building products in North America, including Simonton® Windows & Doors.
"First and foremost, new windows need to be functional and easy to use," said Land. "Beyond that, it's about quality, durability and aesthetics. Getting it wrong can be a very expensive mistake."
That's why it's crucial to spend some time on the front end of the process thinking about exactly what you want and need from your home's new openings to the outside world. From functional differences to the overall look to energy efficiency and more, the pros representing Simonton recommend seven things to look for when choosing new windows.
“Look for windows with enhanced weather resistance and accelerated drainage”
QUALITY.
The Good Housekeeping Seal has been the gold standard of product endorsements for 125 years. Consumers see that designation and can be assured they're buying the highest quality product they can buy. The Simonton 5500 and 6500 Double Hung, 6200 Sliding and DaylightMax® Sliding windows have earned the Good Housekeeping Seal for their superior quality, exceptional energy efficiency, and robust safety and security features. This endorsement isn't given out lightly. Products go through hundreds of hours of review and lab testing at the Good Housekeeping Institute to ensure they meet the strict, high standards necessary to earn the Seal. According to Good Housekeeping, Simonton windows earned the Good Housekeeping Seal for their stylish designs, exceptional performance and optimal energy efficiency, backed by a strong track record of reliability.
WINDOW FUNCTION.
How do you want your windows to operate day-to-day? With double hung windows, the bottom and top sash open and tilt in for easy cleaning, making this style ideal for multi-story homes. Casement windows feature easy-to-reach handles that allow you to simply crank open the window. There are also single hung, sliding, awning, bay and bow, mulled and custom combination windows, each offering unique benefits.
ENERGY EFFICIENCY.
Look for energy-efficient dual-pane windows, Low-E glass, argon gas and warm-edge spacers to improve your home's comfort and lower energy costs. Choose ENERGY STAR® certified windows with advanced glass features for optimal efficiency, solar control and comfort in any climate. ENERGY STAR Most Efficient windows showcase the top-performing certified products with select Simonton window styles with optional triple-pane glass recognized as ENERGY STAR Most Efficient in 2024.
MATERIALS.
Should you get wood, fiberglass, aluminum or vinyl windows? Which is best? Vinyl windows have several advantages, making them a standout choice. They're energy efficient, low maintenance, extremely durable, affordable and come in a variety of sizes, colors, finishes and hardware to match your home's aesthetic.
WEATHERABILITY .
Given the unpredictable weather much of the country has been experiencing lately, you need to know your windows can take whatever Mother Nature dishes out. Look for windows with enhanced weather resistance and accelerated drainage like the Simonton 5500 Double Hung windows, which can help whisk water away from windows even in heavy rain. For coastal areas prone to hurricane-force winds, Simonton StormBreaker Plus impact-resistant windows help protect your home against high winds and flying debris.
SECURITY.
This usually isn't the first thing on homeowners' minds when choosing windows, and many people don't know options exist. Make sure your windows have passed forced entry resistance tests for added peace of mind. Some windows, including the Simonton DaylightMax and 6200 Sliding, include an AutoSense lock that self-latches when the window is closed. Also, choose impact-resistant laminated glass that helps protect against forced entry.
CURB APPEAL.
Consider your home's architectural design and choose windows that match its aesthetic. A good place to start is to look at your current windows and choose replacements that mimic that style.
These seven must-haves will guide you to make the right decision about outfitting your home with new windows. Visit Simonton Windows & Doors for inspiration.
DOOR DESIGN TIPS TO ENHANCE YOUR HOME’S BEAUTY & VALUE
When choosing doors for your home, remember that careful selections can improve not only your home’s beauty and value, but also your quality of life. Here are a few door types to consider, along with their benefits:
Elevate with exterior French doors: French doors double the design impact, and elevate the front entryway and curb appeal of any home. Manufacturers like ProVia offer customizations on every element of French doors so you can make a truly unique statement. Start by choosing from various styles, materials
Courtesy of StatePoint and finishes. Then, consider the addition of sidelites, transoms and decorative or privacy glass. Given how many factors you have control over, it’s helpful to use a design tool to configure the door of your dreams. Visit provia.com/design-center to get started. Rest assured, no matter what your end results look like, there are a few factors you won’t have to worry about with ProVia doors: durability and energy efficiency. Virtually every possible combination of door style, glass, sidelite and transom is built to last a lifetime and is ENERGY STAR certified.
Photo Courtesy of StatePoint
Protect with storm doors: Storm doors provide doors and homes with an extra layer of protection from moisture, heat, wind, rain and other elements. Everyone has different requirements though. Fortunately, storm doors can be individually customized to meet your practical and aesthetic needs. Depending on where you live, factors like the thickness and construction of the storm door can make a big difference in its performance. You’ll also want to investigate your glass and screen options for added fresh air circulation in your home. While storm doors are often thought about more in terms of their functionality, it’s important to keep in mind that varying hardware options, styles and paint finishes allow you to seamlessly blend yours in with the aesthetic of your home.
“Depending on where you live, factors like the thickness and construction of the storm door can make a big difference in its performance.”
Bring the outside in with sliding glass patio doors:
Want to bathe your home interiors with light and the beauty of your natural surroundings? One of the most effective, lowmaintenance ways to do just that is with vinyl sliding glass patio doors. Those from ProVia are tested against the most stringent industry standards for air and water infiltration, wind load resistance, ease of operation and more. This means you’ll have lower heating and cooling costs and increased comfort all while offering your household full, unparalleled views of your outdoor spaces. Customization options, such as the materials and colors of the interior frame and the type of glass you choose, can help you tailor the look and functionality of your sliding glass doors.
For more design tips, visit provia.com.
For a true return on your home improvement project, consider how a door replacement can elevate your home’s style while protecting it from the elements.
Photos Courtesy of Rebecca Hastings
A HIDDEN GEM FOR
luxury travelers
By Rebecca Hastings
Sometimes, you need an escape that feels like a dream—a place where luxury meets nature, where every detail is carefully curated to make you feel special. I found what I was looking for the moment we pulled up to the gate at Winvian. Just a short drive from the Poconos, this stunning retreat tucked in the woodsy hills of Litchfield County, Connecticut, offered the perfect blend of indulgence, tranquility, and adventure.
A Grand Welcome: First Impressions of Winvian Farm
Met by name at the car, the staff led my husband and me into the historic building to relax by the fireplace and enjoy a drink while checking us in. Once everything was set, our guest assistant, Ilaria, led us to our cottage on the 113-acre property. While Winvian is steeped in history, dating back to the late 18th century, it feels effortlessly modern in its approach to hospitality. The estate, still owned by the Smith family, has been transformed into an exclusive getaway, where every corner whispers elegance and charm.
Exploring Winvian’s Unique Cottages
One of the most extraordinary aspects of Winvian is its collection of 18 uniquely designed cottages, each with its own theme and story. We stayed in Camping Cottage, and let me tell you—this was no ordinary camping trip. The moment we walked in, we were greeted by a glowing fire, an arched ceiling painted to look like the changing sky, and floor-to-ceiling windows framed with faux trees to make you feel like you’re outdoors. It was the most luxurious space we’ve ever stayed in.
A highlight of Winvian is the unique cottages you can choose from. Each one was designed by a different architect with a theme to reflect its unique feel. The Woodland Cottage has a natural stone waterfall, a sunken tub, and a warm wood interior
that connects you with the surrounding woods. The Golf Cottage offers a different luxury experience, with golf-inspired details and a putting area. Each 950-1250 square foot cottage offers unforgettable lodging, but one is particularly surprising.
Helicopter Cottage does more than bring in aviation details; it brings in a fully restored 1968 Sikorsky HH37 Sea King Pelican helicopter. As we toured the cottages, we were shocked to walk into the large building and see the helicopter seamlessly incorporated into the space. The interior of the chopper houses a bar, pull-out couch, and entertainment area. We couldn’t resist climbing into the cockpit to explore all of the buttons and levers. It’s no surprise this cottage is a favorite for families.
Relax, Unwind, & Recharge at Winvian’s Award-Winning Spa
As much as I loved the cottage, the award-winning spa offered the ultimate escape from everyday life, exactly what I needed on this getaway. I booked a massage, and from the moment I stepped into the tranquil space, I felt my tension melt away.
It’s no surprise Winvian’s spa was named the best in the world by Condé Nast. The staff was wonderful, showing me the relaxation areas and ensuring every detail was perfect. Sitting with a cup of tea in the greenhouse-like space after my massage, I felt like I had been transported to another world.
Farm-to-Table Dining at Its Best
Hearing about great food and experiencing it are two different things. As my husband and I arrived for our dinner reservation, we were ushered through a maze of upstairs rooms in the historic heart of the property. Settled by a crackling wood fireplace, we enjoyed the simple elegance of the main restaurant.
The four-course meal was luxurious with seasonal ingredients, many of which were harvested on-site. Every bite was a masterpiece: silky, house-made pasta, perfectly seared beef that melted in my mouth, desserts crafted by the in-house pastry chef, and stunningly plated extras that were as beautiful as they were delicious.
If you’re looking for a more casual lunch, dinner, or just a drink, Maggie’s Tavern is the spot. The large wood fireplace and leather sofas invite you to relax while the shuffleboard table begs you to have a little fun. Whether you sit at the bar or outside on the stone terrace, the food and drinks will be just as exceptional as the atmosphere.
“Sometimes, you need an escape that feels like a dream—a place where luxury meets nature, where every detail is carefully curated to make you feel special.”
In the morning we enjoyed breakfast alongside a sunny window overlooking the property. Greeted with coffee, tea, and homemade treats like chocolate croissants and banana bread, we chose multiple things to try from the menu, each one adding to the exquisite dining experience.
Personalized Luxury with the Guest Assistant Experience
One of the things that truly set Winvian apart was the Personal Guest Assistant Program. Ilaria made our stay seamless, anticipating every need before we even voiced it—from reservations to thoughtful, personal touches that made us feel truly special. It was this kind of service that turned a wonderful getaway into an unforgettable one.
Ilaria can help arrange activities to do both at the resort and offsite. Winvian offers unique experiences like cooking classes, mixology, candle making, stained glass workshops, and even activities like private yoga and fencing. If you’re looking to explore, she can arrange the use of bikes or even the Volvo experience that allows the use of a Volvo SUV or a chauffeured Volvo trip to a nearby attraction like a brewery.
I have never experienced this kind of service prior to my visit to Winvian. Ilaria was available for whatever we needed and any questions we had, arranging every detail. Having a Personal
Guest Assistant elevated an exceptional getaway to something
Why Winvian Should Be Your Next Getaway
While there are charming small towns and hiking trails nearby, we found it nearly impossible to leave the resort. Between the crackling fireplaces, jacuzzi tubs, and the pure luxury of it all Winvian was the ultimate escape.
If you’re looking for a quick but indulgent getaway, Winvian is the perfect destination. Whether you’re seeking adventure, relaxation, or simply a place to reconnect with yourself and loved ones, this secluded retreat offers it all.
While my trip was the perfect couple getaway, Winvian would be a wonderful solo trip, friend trip, or even a family experience. You can even bring your dog! However you travel, Winvian is a destination you won’t want to miss. It’s not just a place to stay—it’s an experience, one that lingers long after you leave.
Rebecca is a former teacher and mom of three who is passionate about authenticity, faith, and family. Her books are available on Amazon and she has been featured on sites such as The Washington Post and Parents. In real life, she can often be found typing words, driving her kids places, or wherever there is chocolate.
START GROWING PRODUCE AT HOME
Courtesy of Family Features
Growing your own produce is an all-around smart practice, from the money you'll save at the grocery store to the contributions you can make toward a cleaner planet.
Maintaining a garden takes some effort, but it's a project even a beginner can tackle with ease. Consider these tips to start growing your at-home garden:
1. Select a perfect spot.
You'll want to place your garden in an area where you see it often so you're reminded to weed and care for it regularly. Find a flat area you can access easily, where erosion and other pitfalls (including hungry wildlife) won't be a problem.
2. Choose between ground and containers.
There are pros and cons to gardening in containers vs. the ground, and there's no universal right choice. Rather, the best garden depends on your goals and preferences. A ground garden usually offers more space and may provide a better growth environment for roots. However, a container garden is often easier to maintain and may be all you need if you wish to grow just a few plants.
3. Understand the importance of quality soil.
You may think any dirt will do, but keep in mind the soil you plant in will be the primary source of nutrients for your produce. Not only that, but quality soil provides stability so
Photo Courtesy of Family Features
plants can root firmly and grow healthy and sturdy to support their bounty. Quality soil also allows for ample drainage. Organic matter like compost, leaf mold or aged manure all help improve soil quality.
4. Keep water close.
Lugging water can quickly eliminate the pleasure of tending your garden, so be sure you're situated near a hose. You'll know it's time to water when the soil is dry about an inch below the surface.
5. Plan for plenty of sun.
A bright, sunny spot is a must, since most vegetables, herbs and fruits depend on six or more hours of sun every day. Remember the sun's path changes throughout the year, and as trees and foliage grow, they may produce more shade with each growing season.
“Maintaining a garden takes some effort, but it’s a project even a beginner can tackle with ease.”
6. Consider what you'll grow.
Starting with veggies you know you like is a smart starting point since you'll be pouring sweat equity into making them grow. Over time, you might add new varieties, but early on, keep your focus on foods you know you like so you can see a meaningful return and avoid waste. You'll also need to consider what you can grow to maturity within your area's growing season. If necessary, you might want to start transplants you can nurture indoors before moving them outside when the temperatures allow.
7. Plant according to a calendar.
Knowing how long it takes different foods to mature will help you create a planting calendar. You don't want to harvest everything at once, and if you stagger planting and replant what you can, you'll have a garden that produces food for your family for a longer period of time.
Find more helpful tips for managing your home and garden at eLivingtoday.com.
THERE’S NO PLACE
LIKE THE MOUNTAINS FOR THE HOLIDAYS.
Celebrate the holidays surrounded by great company and even better cuisine in the Pocono Mountains. From romantic dinners by candlelight to farm-to-table experiences, our local chefs are serving up something for every palate. Visit PoconoMountains.com to see all of our mouth-watering dining options and make your reservation.
HOW TO PICK THE RIGHT PLANTS FOR YOUR LOCATION
Courtesy of StatePoint
When planning your yard or garden, you likely focus on the what and the where. After all, a beautiful plant in a prime location enhances curb appeal and even bragging rights.
You may pay less attention though to understanding how your location, or plant hardiness zone, impacts your garden’s success. To help ensure your plants don’t just survive, but thrive, the experts at lawn care equipment manufacturer Exmark are sharing the following insights about plant hardiness:
What is Plant Hardiness?
Plant hardiness is the secret sauce of any healthy outdoor space. Plant hardiness is the ability of a plant to survive adverse growing conditions such as drought, flooding, heat and cold. Have you ever watched with frustration as a late-season temperature dip leaves your beautiful buds with a serious case
of frostbite? Plant hardiness zones were developed to help landscapers, gardeners and lawn care enthusiasts avoid this heartache.
American farming contributes billions of dollars to the gross national product annually, which is one reason why the USDA has long monitored weather data. If determining when the average final frost may occur for every region in the country is worth billions, what could that same knowledge mean for your garden? Well, choosing plants with hardiness levels appropriate to specific planting zones gives you the best chance of cultivating healthy, beautiful plants.
What is My Growing Zone?
The United States is divided into 13 zones. Zones 1-6 being the coldest, and 7-13 the warmest. Zone 1 averages -60 degrees
Photo courtesy of Unsplash
F while zone 13 never drops below 70 degrees F. A general guideline is to plant anything designated for your zone or lower, but never higher. Know what zone you live in and make a point of checking the tag on the back of the plant or seed pack before planting.
Perennials Versus Annuals
There’s a reason you see palm trees in Sarasota, Florida, not Saginaw, Michigan. When it comes to perennials, it’s not about when the first frost is, but how cold it gets, and whether that plant can survive and thrive through winter.
“After all, a beautiful plant in a prime location enhances curb appeal and even bragging rights.”
Plant hardiness zones are less important however when it comes to annuals. Because these plants are only meant to last one growing season; waiting until after the average first frost date will save you from having to re-plant. Know that even if your plant survives the frost, it may never match the photo you saw advertised at the nursery.
Planting Zone Rule of Thumb
Plant hardiness zone maps are, well, all over the map. Consider the number assigned to your zip code as a starting point. You may live right at the break between one zone and the other. When in doubt, guess too low, rather than too high. In the South, the heat stress a plant not made for the conditions. Your particular geography can also affect your hardiness zone, like if you live on a hill or in a valley.
For more insights, check out the USDA Plant Hardiness Zone Map, and watch “Find Your Plant Hardiness Zone,” an episode of “Backyard Smart,” an original series from lawn care equipment manufacturer, Exmark. To watch the video, visit Backyard Life, which is part of a unique multimedia destination with a focus on helping homeowners improve their outdoor living spaces. There you can also download additional tips and view other Exmark Original Series videos.
Understanding what plants will thrive in your climate is essential to a healthy landscape. Fortunately, free resources abound to help you plant successfully.
“Getting your lawn and garden care underway now can make those warmer, sunny days feel closer in no time.”
Photo Courtesy of Family Features
SPRING LAWN & GARDEN CARE
Courtesy
of Family Features
If cooler weather has you longing for sunny days outdoors, take heart. Once spring rolls around, you can prepare your yard for months of warm-weather enjoyment with these tips.
CLEAR THE YARD
Remove any leaves, rocks or sticks that may have accumulated then cut the grass as short as you can.
DETHATCH
Use a thatching rake to remove dead roots and grass.
TREAT WEEDS
Apply herbicide to treat weed-infested areas. Allow the weed killer to work for about a week then rake to remove dead weeds.
ADD SEED AND FERTILIZER
Depending on your lawn’s needs, overseed or spot seed to fill in thin spots. Use a grass variety that matches your climate for best results. Select and apply fertilizer consistent with your grass type then water thoroughly.
CLEAR GARDEN BEDS OF DEBRIS
Remove leaves and other matter that piled up in your garden during the cooler months. Gently turn the soil and work in fresh fertilizer.
START PLANTING
Early spring is the time to divide perennials and plant hardier vegetables, such as onions and potatoes. You can also start indoor seeds, if necessary, and move plants outdoors when the weather permits.
Getting your lawn and garden care underway now can make those warmer, sunny days feel closer in no time. Find more seasonal tips for prepping your yard at eLivingtoday.com.
BILLY’S TIPS
Lawn & Garden
You cared for your lawn all summer long, but your work isn’t finished just yet. Here are a few items to add to your to-do list this fall.
1. Rake
Raking the leaves is a must. (Seriously, you have to do it!) But don’t forget about clearing out flower beds, too. Leftover weeds and plants make great homes for pests, like mice, so remove them before you end up with any unwanted visitors.
2. Trim
Fall is the perfect time to trim any dead or potentially troublesome branches. You should also prune trees and shrubs and cut back perennials that have already bloomed.
3. Mow
Your lawn still needs one good mowing before the first snowflakes fall. Cut your grass back short, which will help it dry out more quickly in the spring.
4. Protect
Snow, ice, and wind can do a number on plants. Protect new plantings and trees and shrubs with weak branches for the winter by surrounding the base of the plant with mulch. Then wrap the plant in cloth, like a sheet or burlap, to protect it from the harsh winter elements.
5. Plant
Thinking of adding something new to your landscape? Many shrubs and bulbs thrive when planted in the fall, so don’t be afraid to plant this time of year.
Canfield’s Pet & Farm 315 Main Street, Stroudsburg, PA 570-421-1821
Photo
Courtesy
Keep your garden vibrant all season long with these cold weather-resistant plants.
As winter continues to keep temps fluctuating, many gardeners assume their work is done until spring. However, plenty of plants flourish in colder months, bringing color and texture to even the coldest winter landscapes. Whether you're looking to brighten your outdoor space or maintain a thriving garden year-round, selecting the right winter-friendly plants is key to cold weather beauty and spring blossoms.
With the right plants and preparation, you can enjoy beautiful greenery and even colorful blooms throughout the coldest months. Proper planning also helps protect your landscape investments from seasonal damage.
WINTER GARDENING FACTS
Cold-hardy plants can survive freezing temperaturesCertain species, like evergreens and hellebores, are built to endure harsh weather conditions.
Some flowers bloom even in winter - Plants like camellias and winter jasmine add pops of color to an otherwise dormant landscape.
Soil preparation is crucial - A layer of mulch insulates plant roots, helping them withstand frost.
Winter gardening requires less maintenance - With slower plant growth and fewer pests, winter landscapes are easier to manage than summer gardens.
BEST WINTER-TO-SPRING PLANTS FOR YOUR GARDEN
Hellebores (Lenten Roses): These hardy perennials bloom in late winter, showcasing elegant pink, purple and white flowers.
Camellias: Their bright red and pink blooms appear in late fall and continue through early spring.
Winter Jasmine: Producing cheerful yellow flowers, this plant thrives even in freezing temperatures.
Pansies and Violas: These frost-resistant flowers add vibrant colors to flower beds and pots.
It’s not just a day of shopping here in the Pocono Mountains—it’s an experience. Wander our historic streets. Explore our art galleries. Find unique local goods. And stop for a bite at one of our top-rated neighborhood restaurants along the way. Discover all of our shopping and sights now at PoconoMountains.com.
Evergreens (Holly, Boxwood, Juniper): Provide year-round structure and greenery, even in snow-covered landscapes.
FLOWERS THAT WILL STAY STRONG IN SPRING
Crocus - One of the first signs of spring, these hardy flowers pop up even when there's still a chill in the air. They come in purple, yellow and white.
“With the right plants and preparation, you can enjoy beautiful greenery and even colorful blooms throughout the coldest months.”
Snowdrops - These delicate flowers often emerge while there's still snow on the ground, making them perfect for the transition to spring.
Daffodils - Bright and cheerful, daffodils bloom early in the spring and are fairly cold-resistant.
Primrose - These early bloomers offer color in various shades, often starting in late winter or very early spring.
Photo by Annie Spratt on Unsplash
COLD-WEATHER GARDENING TIPS
Choose the right plants - Look for native species or varieties bred for winter endurance.
Use mulch for insulation - A layer of mulch helps regulate soil temperature and protect roots.
Water before freezing temps - Moist soil retains heat better, reducing frost damage.
Provide wind protection - Strong winter winds can damage delicate plants, so consider placing windbreaks or using burlap wraps.
PROTECT YOUR HOME AND GARDEN YEAR-ROUND
Just like your garden, your home needs protection during winter. Mercury Insurance offers coverage options to help homeowners safeguard their property from seasonal risks, such as freezing temperatures and storms.
To learn more about protecting your home and landscape, visit www.mercuryinsurance.com.
STEPS TO CREATE YOUR HOME BUYING BUDGET
One of the most important steps to take while house hunting is to create an intentional budget that accounts for both upfront costs and recurring expenses. Doing so will help you find a home that meets both your lifestyle needs and financial situation. Here’s how:
• ASSESS WHAT YOU CAN AFFORD: A common way to generally estimate the price range of a home you can afford is to multiply your annual gross income (what you earn before taxes) by three to five, according to Fidelity. Understand that mortgage rates will have a big impact too. Lower rates can substantially increase your purchasing power. Lenders set an interest rate for each person based on several factors, such as credit score. A higher credit score could mean a lower interest rate or better loan term.
• ACCOUNT FOR UPFRONT COSTS : When budgeting, account for these one-time upfront costs you’ll pay after your offer is accepted:
The down payment: This is typically between 5% and 20% of the home’s purchase price. However, qualified borrowers can put down as little as 3% with options such as Freddie Mac's Home Possible or HomeOne mortgages. Both require private mortgage insurance, which is an additional expense to consider.
Earnest money deposit: Earnest money, also known as a good faith deposit, amounts to approximately 1%-2% of the purchase price of the home and is a sum you submit with your offer to show the seller you’re serious. During closing, the amount you pay in earnest money can be applied toward your down payment or closing costs.
Courtesy of StatePoint
Photo Courtesy of (c) Ridofranz / iStock via Getty Images Plus
Home inspection: The home inspection, which will be your responsibility, typically costs between $300 and $450, according to recent estimates from Rocket Mortgage, and will tell you about the home and its potential issues. Your realtor should be able to recommend several well-qualified inspectors.
Closing costs: Closing costs are what you will pay to the people representing your purchase, such as your lender and real estate agent. Also known as settlement fees, closing costs typically amount to 2% to 5% of the purchase price, and you may be able to roll them into your loan. Work with your lender to find the approach that best fits your financial situation.
“Create
an intentional budget that accounts for both upfront”costs and recurring expenses.”
Moving expenses: Whether you hire professional movers or DIY your move, online resources such as Realtor.com’s moving cost calculator can help you estimate potential costs. When hiring movers, get quotes to ensure you are getting a fair price and to avoid moving fraud.
• PLAN FOR ONGOING EXPENSES : Once you’re in the home, you’ll be responsible for making monthly payments. These may include your mortgage principal, interest, property taxes, homeowners insurance, private mortgage insurance, escrow payments and homeowners association fees. Most lenders agree that you should spend no more than 30% of your gross monthly income on these expenses, though this number will depend on your financial situation. You’ll also need to save for regular maintenance expenses, such as appliance upkeep.
• LEAVE ROOM FOR FLEXIBILITY: Be sure to factor in savings for repairs or replacements of big-ticket items, such as your roof or HVAC system. Such flexibility in your budget can also help you weather financial emergencies, such as job loss, illness and other unexpected circumstances.
• USE TOOLS TO GUIDE YOUR DECISION: To help you answer the critical question of how much home you can afford, use Freddie Mac’s home affordability calculator found at myhome. freddiemac.com. This free online resource also offers a wealth of essential information to guide you at every stage of your home journey.
As you hunt for the home of your dreams, stay prepared and informed. One essential aspect of doing so is to set a realistic budget that accounts for the true costs of homeownership.
Photo courtesy of Getty Images
SUPPORT DOGS’ HEALTH AS THEY AGE
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While you may look at your dogs and see the same little puppies you brought home years ago, the reality is they age the same way people do, and if you count in “dog years,” sometimes even faster. The aging process for dogs can mean graying whiskers and less ball chasing, but it may also mean adjusting to changing health needs.
As dogs approach their late adult and senior years, it’s important to adapt the ways they’re cared for so they can enjoy happy and healthy lives. To fully support your dog’s lives as they age, consider this advice from the pet experts at Zesty Paws.
ENJOY ENRICHMENT AND EXERCISE
Whether your furry friends prefer a friendly game of fetch or a long walk around the neighborhood, exercise is key for dogs of all ages. As dogs mature, some of the high-energy bursts may fade, but continuing with low-impact exercises can help them stay in shape both physically and mentally.
Stay active by walking to support joint health and mobility and keep regular grooming appointments to support healthy skin and coat. Don’t forget enrichment activities to help stimulate their minds, too. Try hiding food or treats in puzzles or toys, or schedule play dates with other dogs so they can get active and socialize.
EXPLORE THE BENEFITS OF FUNCTIONAL PET SUPPLEMENTS
Dogs, just like humans, have a molecule in their bodies called nicotinamide adenine dinucleotide (NAD+), which supports cellular function, energy and repair mechanisms. NAD+ levels naturally decline throughout the aging process, but to help negate these effects and support cellular health regeneration in dogs, Zesty Paws created a supplement to support healthy aging for dogs.
Powered by Niagen to help reinvigorate cellular energy, the Healthy Aging NAD+ Precursor system brings a little of their puppyhood back through support of normal cellular, metabolic, brain and heart, skeletal and muscle health. This innovative system of supplementation offers pet parents a fun and unique way to support their dog’s golden years.
ADAPT YOUR DOGS’ DIETS TO MATCH LIFE STAGES
A healthy and balanced diet is important for dogs of all ages. With that in mind, there are subtle nuances at different life stages that call for ingredients and food blends to match dietary needs. For example, puppies typically require foods with more protein and fats to help fuel their growth.
Adult dogs may need food that is more focused on addressing issues like gut health, weight control, dental hygiene and other needs. Then, as pets mature into their senior years, you may
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need to consider foods with added support for their hips and joints or a lower-calorie diet to help alleviate weight concerns due to decreased activity.
BE DILIGENT ABOUT REGULAR VET APPOINTMENTS
While pet parents already know the importance of keeping up with routine veterinarian visits, these check-ins with a health professional can take on increased significance for aging pets.
“Adult dogs may need food that is more focused on addressing issues like gut health, weight control, dental hygiene and other needs.”
It’s recommended to schedule regular appointments with your vet so he or she can conduct physical examinations to monitor your pet’s well-being, and this time also provides an opportunity for you to discuss any changes you’ve noticed in your pet’s routines. Just like you, your adult dogs should have a complete examination at least once a year.
STICK TO ROUTINES
Just as you have certain things you do each day, like brushing your teeth and making your morning coffee, dogs can also benefit from having their own routines. Whether it’s a morning walk or weekly bathing, having a routine can reinforce previous training for adult dogs and help them continue to learn new behaviors.
Routines based on exercise, enrichment, training and grooming can help ease the tension of other life changes such as travel, moving or new house guests and allow dogs to feel more confident and comfortable. For these aging pets, having and maintaining a routine can also be helpful for consistency and reducing nervousness.
To learn more ways to support your pet’s health and well-being, visit ZestyPaws.com.