Own NY Real Estate Blog

Dec. 3, 2024

Guest Post - Year End Financial Review with Dan Schein

"Great businesses don’t just ride out the market—they adapt, pivot, and position themselves for success. Your finances are no different. Now’s the time to review your investments and ensure your portfolio is ready for a strong 2025."

Key Investment & Portfolio Strategies:

1. Year-End Portfolio Review

Take a look at your portfolio’s performance this year. Are you still on track with your goals? Rebalancing can help you maintain your target asset allocation.

  • Pro Tip: Rebalancing isn’t just about reducing risk—it’s about keeping your strategy sharp and aligned with your long-term vision.

2. Analyze Asset Location

Tax efficiency matters! Make sure tax-efficient investments are in the right accounts—like tax-deferred or taxable accounts.

  • Quick Tip: Consider consulting on where to place bonds vs. stocks to maximize tax savings.

3. Consider a Roth Conversion

This could be a smart move if you’re in a lower tax bracket this year. Converting traditional IRA funds to a Roth IRA can offer long-term tax benefits.

  • Why It Matters: Pay taxes now at a potentially lower rate and enjoy tax-free withdrawals down the road.

4. Contribute to a 529 Plan

If you have kids, contributing to a 529 plan before year-end can give you tax advantages while saving for future education expenses.

  • Bonus Tip: Even if you’re not sure about education plans, a 529 can be a flexible tool that might surprise you with its benefits.

Fine-tuning your investments is like getting a tune-up for your car—keep things running smoothly so you can focus on the road ahead. Let’s connect for a personalized investment review to make sure you’re on track!

Email us for Your Year-End Checklist: daniel.schlein@allianceadvisorygroup.com

Call to Schedule a Review!

"Investing is not about beating others at their game. It’s about controlling yourself at your own game." – Benjamin Graham

Daniel Schlein, RICP 

Managing Associate & Financial Advisor 

CA Insurance License #4136642  

Phone: (716) 817-7109   fax: (716) 817-7117  

Mobile: (716) 913-3013    

Website: www.allianceadvisorygroup.com 

 

Address: 600 Delaware Avenue, Buffalo, NY 14202 

 

 
 
Feb. 6, 2022

Tips For Cleaning A New Home

You’ve found the house, won the bid, signed the papers, and paid the dues -- it’s now yours; but it is riddled with messes, stains, odd wonders, and other touches that have no relation to you. It’s time to make this house your home, and it starts with cleaning.

Image source: Getty Images Pro via Canva. com

Your simple, yet essential, home cleaning supplies list:

  • Rags
  • Abrasive scrub pads
  • Cheap toilet brushes (definitely throw these out after using)
  • Disinfectant 
  • Rubber gloves
  • Spray bottles
  • All purpose cleaner
  • White distilled vinegar
  • Bathroom cleaner
  • Toilet paper (because you’re going to need to go while you clean)
  • Garbage bags
  • Vacuum and/or mop
  • Carpet cleaner (rentable from most major hardware stores)

This initial cleaning job isn’t the most environmentally-friendly, as it’s advised to throw out the toilet brushes after this one cleaning, as well as some of the heavy-soiled rags. But hey, it gets the dirty job done. 

Where to start house cleaning

If you think it’s clean, it’s probably not; and things you’ve never cleaned before, you’ll want to clean now more than ever. 

 

If you don’t have early access to your new home, find a designated area to be the space for all of your boxes. This way, you can clean the rest of your home without boxes or furniture being in the way. Unpack any essentials (toiletries, bedding, changes of clothes, etc.), so you can access them easily while you’re living and simultaneously working there. Afterward, plan on doing a deep clean of this space after you clean the rest of the house and clear out your designated room of all of your boxes. 

Dusting your home

A great first step with cleaning is dusting. Dusting is a first step because any dust that goes into the air and settles elsewhere will be picked up in later steps. Don’t leave any ledge or crevice undusted. Aim to dust all of these main spaces: 

  • Ledges, window sills and trim, baseboards
  • Light fixtures: fans, shades, chandeliers
  • Railings
  • Hard-to-reach spaces, such as cathedral ceilings and deep corners

 Microfiber is the best cloth to dust with, as it will capture and hold onto all dust and dirt. Another alternative is single-use items, such as Swiffer dusters. 

 

For air ducts and returns, vacuum brush attachments work well to rid all edges and crevices of dust and build up. This is especially important for efficiency of your HVAC system, as well as decreasing the amount of air pollutants inside your home. 

 

Image source: Tylim. n.d. Getty Images Pro via Canva. com

 

A great dusting hack for ceiling fans is to use a pillowcase. Simply put the pillow case around each blade one at a time and pull the pillowcase toward you. This will pull all buildup off of the fan blade and drop it inside of the pillowcase. When done, turn it inside out and shake it outdoors or into a garbage can before throwing it into your washing machine. 

Kitchen cleaning tips

Before you stack your plates and glasses into your new kitchen, remind yourself that the former owners very likely did not clean out the cabinets thoroughly. Alternatively, if it’s a new build, there’s bound to be remnants of construction dust and debris. 

 

Depending on the level of debris or grime, you can use a vacuum attachment to clear out all crumbs and dust. Afterward, use a gentle cleanser and soft rag to clean the cabinets. This is when the white vinegar comes in handy! Dilute with warm water and use on the cabinets with a soft rag and a soft toothbrush for creases and corners. Never soak the cabinets and avoid all metal hardware and hinges from getting soaked as much as possible. Be sure to dry the cabinets with a clean, dry towel afterward; and it’s best to leave all cabinet doors and drawers open to air out and fully dry out after you clean them.

 

Other kitchen uses for white vinegar include using on countertops, as a rinse aid in the dishwasher, as well as doing a short dishwashing cycle with a cup of white vinegar inside to help break down and clear out any soap scum and lime buildup. Your diluted white vinegar mixture is also great for cleaning the inside of your fridge and freezer, as well as your kitchen floor, whether it’s tile, linoleum, or hardwood. 

 

Steps for cleaning your home bathroom

Bring in your armload of single-use cleaners, rags, and brushes because THIS is when you’ll really want to use them. Just like the kitchen and the dishwasher, using warm water to dilute white vinegar is a great cleaner that’s gentle on surfaces yet tough on soap scum, lime and other buildup. Use this confidently on any surface in your bathroom. 

 

Other great cleaners that can break through build up are gel-based toilet bowl cleaners. Use this with the toilet brush that you intend to discard after cleaning your bathroom(s) for the first time. Be sure to get under the toilet seats, around the base of the toilet, and the toilet tank. 

 

Repeat this approach with your bathroom cleaner of choice or the vinegar cleaner for the sink, counters, showers and tubs. Don’t forget to clean the inside of the vanity and any medicine cabinets or shelving, as well.

Getting peace of mind for clean home carpets

It doesn’t matter who you are or your level of cleanliness, carpets get dirty, and there’s no stopping that. You can, however, be diligent about vacuuming them and the routine of carpet cleaning. It’s recommended to do this at least once a year (spring cleaning!), but for households with high traffic, pets, and/or children, it’s advised to do this more often and as needed. 

 

Start by renting a carpet cleaner, if you don’t already own one, from your local hardware store. Most rent these out by the hour or by the day. If you are a household with pets or children, you may want to invest in one to keep on hand for any stains, spills, spots, and for your routine cleaning. 


Image source: Oxford, Bill. n.d. Canva.com

Use your chosen cleaner as directed on all carpeted areas, including area rugs. Repeat as needed to lift and remove dirt. If possible, open windows and doors of these areas for a decreased drying time. For tough stains, try a designated carpet stain remover for on-the-spot treatment before doing the full carpet cleaning. Other methods that work well are free and clear powder laundry detergents mixed with warm water. You can also sprinkle baking soda dry on top of carpets before cleaning to help lift odors and dirt from the carpet fibers.

Most frequently forgotten home cleaning steps

Things that tend to be forgotten?

  • Hard to reach places, like cathedral ceiling ledges, high beams, fans and chandeliers.
  • Interiors of cabinets and closets.
  • Carpets and rugs.
  • Tracks for sliding doors and windows
  • Exterior of windows
  • Doorknobs and handles

House cleaners to keep stocked

Here’s a list of household cleaners that you’ll want to keep on hand:

  • White vinegar
  • Baking soda
  • Scrub pads and toothbrushes
  • Rags of all textures and sizes
  • Free & Clear powder laundry detergent
  • Castile soap for multipurpose

 

Image source: Dolmatov, Vasyl. n.d. Canva.com

Posted in Community
Oct. 8, 2021

Equal is Greater!

Own NY Real Estate is dedicated to operating as an inclusive and diverse company. We are focused on ensuring all employees, contractors, and clients are treated as equals; regardless of age, ability, gender, sexual orientation, religion, ethnic background or class. 

We’re always growing our network and will continue to build an inclusive culture that celebrates and values the diversity of our region.

Posted in Community
July 31, 2017

Curious About Local Real Estate?

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Curious about local real estate? So are we! Every month we review trends in our real estate market and consider the number of homes on the market in each price tier, the amount of time particular homes have been listed for sale, specific neighborhood trends, the median price and square footage of each home sold and so much more. We’d love to invite you to do the same!

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You can sign up here to receive your own market report, delivered as often as you like! It contains current information on pending, active and just sold properties so you can see actual homes in your neighborhood. You can review your area on a larger scale, as well, by refining your search to include properties across the city or county. As you notice price and size trends, please contact us for clarification or to have any questions answered.

We can definitely fill you in on details that are not listed on the report and help you determine the best home for you. If you are wondering if now is the time to sell, please try out our INSTANT home value tool. You’ll get an estimate on the value of your property in today’s market. Either way, we hope to hear from you soon as you get to know our neighborhoods and local real estate market better.

Posted in Market Updates