Tuesday, February 16, 2016

Kids and Money

Money is one of those subjects that seems to get set aside to teach later, but money should be something taught starting young. Creating and understanding good money habits is very important in life, and this starts at home.

You can start as early as you want. Start them with piggy banks and encourage them to put any money they get into it. Once that is a habit, add a second piggy bank for just savings. When your child gets any money for chores or gifts, half should go into savings, half for spending. Once they get a little older you can add a third piggy bank for giving. Once they have enough to start a bank account, usually as low as $25, open one and have them deposit their money. Continue to do this monthly to get into a good habit of saving and putting it in the bank.

At New Dads United, being a good example means a lot. Take your kids to the bank with you to show them how you deposit money. Let them watch you do the bills so they understand that money isn’t disappearing into the bank. When you go shopping, point out price tags and show them receipts. These little things go a long way to helping them understand the real value of money.

Is there something that your child has been wanting, like a new scooter? Make a simple graph and chart their savings progress. Once they have enough to purchase it, pull their money out of the piggy bank and go shopping! Their pride of buying it themselves and handing the money over in exchange is truly priceless!

Learning about money is a lifelong journey. Start your kids young, so when they have to earn their way, they know the value of it. Join our Facebook Group: New Dads United to tell your ideas!

Monday, February 15, 2016

Avalon in Hunt Valley

If you live near or in Hunt Valley, you can’t miss the construction project going on at Hunt Valley Towne Centre. Luxury apartments are coming, and they will be in high demand!



AvalonBay is building a 5-story apartment building with 332 units at Towne Centre! This project is expected to be completed this summer and include many desirable features.

Avalon Hunt Valley describes the apartments as “Living Your Style”. The apartments are conveniently located at Towne Centre, and close to everything you need! There will be available studios and one, two, and three bedroom apartments. They feature stainless steel appliances, granite counter tops, and endless amenities. Do you like to work out? There will be a state-of-the-art fitness center. You will also have access to a nice pool and grilling stations throughout the landscaped courtyards.


If you are looking for more information on the new Avalon Hunt Valley Apartments, contact me, I am here to help!

Ian Lobas of The Lobas Group of Keller Williams Excellence.
2331 York Rd. Timonium, MD 21093.
410-560-5858 Brokerage

443-219-7059         

Friday, February 12, 2016

Learning to Bond with the Baby as a New Dad


As a first-time dad, it is hard to know if you are doing it right. It is also really hard to know if a bond is actually being made because the baby might look at everybody the same right now. At 2 months old, there isn’t much going on so how do you make a difference, and an impression in their life as a dad? At this point, most moms are on maternity leave so most of the baby’s time is spent with her. The Realistic Mama has some great ideas that I will touch on, and I added a few tips from a New Dads United point of view.

1. Reading is a great way to bond. At 2 months it mostly involves just cuddling with your baby and turning the pages. The baby is actually getting a lot out of this, and you are spending quality time to let her know she is worth the time.

2. Play! As they get a little older they get more interactive, but even laying on the floor during tummy time counts as playing. Smile and talk to her, and you will have her heart forever!

3. Get some fresh air. I know with the weather, this is a tough one, but sit outside for a few minutes and get a small change of scenery.

4. Take turns feeding the baby. I am currently going through trying this out as our baby has been nursing. It is hard to bond in that way when they are nursing, but with some extra effort and pumping, you can take over the night feedings for Mom and let her get some extra sleep. This also allows you to get some quiet baby-daddy time.


5. Switch up bedtime. Most babies are on some sort of bedtime routine. Take over for a few nights or a week if possible. Get her used to you putting her to bed now, and in the future that bond will show.

By making time for just you and the baby, you are not only creating a great bond, but you are giving Mom a much needed break from the demands of a new baby. How do you bond with your baby? Join our Facebook Group: Dads United to tell your ideas!





Tags: Baby, New Baby, New Dad, Baby Bonding, Ian Lobas

Thursday, February 11, 2016

Picking a Mortgage Company


The first thing you should think about when buying a home is getting a mortgage. Every home purchase comes with one, but you want to make sure you are using a reliable and honest company. This is a 30-year commitment in most cases, so doing your homework can pay off.

Why do you need a good mortgage company? There are many reasons why it is important to research the company. A home loan is a very large loan, and there are a lot of terms written out, sometimes in fine print. This can catch you off guard down the road. Some mortgage companies might be dishonest and take advantage of you. This can cost you more money, cause you to pay additional fees, and up your interest rate. These are only a few reasons. So how do you know if the company is a good one?

Do your homework and research the company. Once you start thinking about buying a home, you will notice the amount of mailings you receive from mortgage companies, the number of commercials geared toward it, and how many calls you will get if you apply online with a mortgage broker for a pre-approval. Don’t trust the ads, do the legwork to get a great company.

Asking for referrals is one way to get the scoop on a company. Ask friends, family, and coworkers. They most likely have some input on a company whether good or bad. Ask me! I have been in the real estate business and have mortgage companies that I trust and rely on daily. I would love to introduce you to a great company!

Decide if you want a big or small company. If you like a more personal service, use a smaller local company. If you want to get it done faster and more streamlined, use a larger company. There are great mortgage companies of both types, so this is a personal preference. Some larger companies will offer things like online bill pay or automatic deduction.

Check on the company’s reputation. Are they accredited? Have they had any problems with the Better Business Bureau? What is their standing with the Chamber of Commerce? Check their website for reviews, and Google the company to see what people are saying. Use the Internet to your advantage. In this day and age, there is more information available than you can ever need. Search for information on the company, and see what comes up.

Customer service is something that you definitely want to verify is good. Dealing with a mortgage company that is short staffed, rude, or uninformed is not a good experience. Do a test call and feel them out. Ask some general questions about mortgages and loan terms. See if you are stuck on hold awhile, rushed off the phone, or if they are rude. See if they put you on hold to find out answers to your questions. Do they know what they are talking about? After the call, sit down and write down what your first impression was. First impressions are usually the most reliable.


When you are ready to start your mortgage company search, give me a call. We at The Lobas Group are here to help you with your real estate needs! If you are unsure what your options are, call me, Ian Lobas at (410) 560-5858 or email me at listwithian@gmail.com. You can also visit us at our website for available listings and additional information.

Friday, February 5, 2016

The Magical 5 S's That Every New Parent Should Know About


Harvey Karp is the author of the bestselling book, The Happiest Baby on the Block. Karp offers a simple solution that will calm your newborn and get him to sleep by re-creating the noise, movement and snug environment of the womb. If you’re a sleep-deprived new parent, and most of us are, the help that Dr Karp offers for soothing crying or fussy infants and getting them to sleep is invaluable. Karp, an assistant professor of pediatrics at the University of Southern California School of Medicine, describes the first few months after birth as the "fourth trimester." Babies are out of the womb, he says–but they're really not ready for our world.
"Our newborns are smushy little creatures who must be 'evicted' from the womb three months before they’re ready so their big heads don’t get stuck in the birth canal," he says. We assume that newborns need calm and quiet, but the place from which they've just emerged is quite an active and noisy place.
"Most babies doze much better when surrounded by some of the soothing sensations they enjoyed in the womb. These sensations work so well because they turn on a calming reflex–an off-switch for crying and on-switch for sleep that all babies are born with."

The “Happiest Baby” method, aka the 5 S’s are: swaddle, side or stomach position, shush, swing, and suck.

The five S's: Swaddle (#1)
What it is:
Wrap your crying or fussy baby snugly, arms at her sides, in a thin blanket. Babies can also be swaddled with their arms loose, but Karp says it's essential to wrap your baby's arms inside the blanket.

Why it works:
Swaddling soothes babies by providing the secure feeling they enjoyed before birth. After months in that confining environment, Karp says, "the world is too big for them! That's why they love to be cuddled in our arms and to be swaddled." 
Done as Karp recommends, swaddling keeps your baby's arms from flailing and prevents startling, which can start the cycle of fussing and crying all over again. It also lets your baby know that it's time to sleep.
Swaddling helps babies respond better to the other four "S's," as well.

How to do it:
Karp suggests swaddling baby for sleep, every time. Always lay baby down to sleep on her back. Avoid overheating by using a thin blanket and making sure the room isn’t too warm.
Swaddling is not hard to do but some practice may be necessary to get a technique that is safe and effective. The idea is to swaddle baby snugly so that they can’t wiggle out, but leave enough room at the bottom of the blanket for them to bend their legs.

Watch a doctor demonstrate the simple art of swaddling, see a how-to-swaddle slide show, or use our article for further reference. You'll be an expert in no time!

You can also search for Harvey Karp's Happiest Baby videos online or watch his DVDs to learn how to swaddle.
Do swaddle your baby for naps, for the night, and when she's crying. Don't swaddle when she's awake and happy. Karp says most babies can be weaned off swaddling after four or five months.
Swaddling alone usually isn't enough to make the magic happen. On to the second “S”.

The five S's: Side or stomach position (#2)

What it is:
Now that you've swaddled your baby, you can begin to calm your crying or fussy baby by putting him on his side or stomach.

Why it works:
To reduce the risk of SIDS, experts recommend putting babies to sleep on their back. But because newborns feel more secure and content on their side or tummy, those are great positions for soothing (not sleeping).

How to do it:
Hold your fussing or crying baby in your arms in a side or tummy-down position in your arms, over your should or on your lap. Use this "S" only for soothing your infant. Never put him on his side or stomach when he's asleep. Once he falls asleep, move him onto his back.

Sometimes swaddling and being held in a side or stomach position is enough–but if not, move on to the third "S": shush.

The five S's: Shush (#3)

What it is:
A sound that calms and comforts your baby, helps stop crying and fussing, and helps your baby go to sleep and stay asleep.

Why it works:
Newborns don't need silence. In fact, having just spent months in utero–where Mom's blood flow makes a shushing sound louder than a vacuum cleaner–they're happier, they're able to calm down, and they sleep better in a noisy environment. Not all noises are alike, however.

How to do it:
At its simplest, you apply the "shush" step by loudly saying "shhh" into your swaddled baby's ear as you hold her on her side or tummy. Put your lips right next to your baby's ear and "shhh" loudly (usually while gently jiggling her–see "S" #4).
Shush as loudly as your baby is crying. As she calms down, lower the volume of your shushing to match.
In addition, Karp recommends play a recording of white noise while your baby sleeps. Some sounds are much more effective than others, however. He says that fans, sound machines, and recordings of ocean waves may not work, and recommends sounds that are more low and "rumbly" (like the sounds in the womb). Experiment and find what works for your baby. There are several White Noise apps available for your devices with several sounds available.
Play the sounds as loud as your baby is crying to calm her down. To accompany sleep, play them as loud as a shower.
As your baby gets older, you can continue the use of white noise. "Sound is like a comforting teddy bear. Play it for all naps/nights for at least the first year," Karp says.
Holding your swaddled but fussy baby in a side or stomach position and shushing in her ear may be all your baby needs to calm down. But if you still need more magic, you can add "S" #4: swing.

The five S's: Swing (#4)
What it is:
A baby swing might be your first thought, but that's not what this "swing" refers to. Instead it actually refers to jiggling your swaddled baby using very small, rapid movements.

Why it works:
In utero your baby was often rocked, jiggled, in motion. That makes "S" #4 familiar and comforting. In combination with the first three S's, it can do wonders when a baby is upset.

How to do it:
Do this while shushing (or playing white noise to) your swaddled baby in a side or stomach position. Be sure to support your newborn's head and gently jiggle–do not shake–your baby. Karp describes it as more of a "shiver" than a shake, moving back and forth no more than an inch in any direction.

"My patients call this the 'Jell-O head' jiggle," he says.
In Karp's opinion, other types of movement (being rocked in a rocking chair, swung in a baby swing, or carried in a sling, for example) are useful for calm babies, but this gentle jiggling is more effective for a wailing baby.
There's one more "S" in Karp's system; "S" #5: suck. Add #5 as needed.

The five S's: Suck (#5)

What it is:
Mostly self-explanatory: This simply means giving your baby a pacifier or thumb to suck on.

Why it works:
Some babies love to suck and find great comfort in it. If your baby is in that camp, sucking may help her relax and calm down.

How to do it:
Give your swaddled baby a pacifier or your thumb if she's upset and seems to want to suck. In combination with being held on her side or tummy, being soothed with loud shushing or white noise, and being gently jiggled, sucking may do the trick.
Pacifiers reduce the risk of SIDS, so it's okay to let your baby keep the pacifier in bed.

What else you should know about Harvey Karp's five S's

The five S's only work when they're done exactly right, Karp says. He compares babies' calming reflex to the knee reflex that doctors test with a little hammer: It only works when the knee is hit in exactly the right spot. If it's hit an inch too high or low, there's no response.
If you do all five correctly, Karp says, his technique works for 98 percent of babies. (He recommends that the other 2 percent talk to their doctor.)
Remember that not all five S’s may be necessary. Some babies only need one or two of the S’s. Every baby is different, so experiment so find out what works for you and your baby.
Karp’s method is aimed at babies in the first four months of life. After that, it may still work but the magic is no longer as potent.

As a new, sleep-deprived parent myself, I’m open to investigating any technique or product that promises baby magic. Especially if it leads to more sleep! Please feel free to comment or share your fail-proof solutions for soothing a baby or making the parent life easier. You can email me at Ian@thelobasgroup.com or call me at 443-463-5506 

Friday, January 8, 2016

1723 Clarkson St. Custom, Well Built, One of A Kind. Just Listed For Sale!

Welcome to 1723 Clarkson St. Welcome Home!

From the moment you start the drive down Clarkson St, you will notice one particular house that stands out from the rest. Off to the right stands 1723 Clarkson. A gorgeous, well thought out, well built home with all the amenities and features you expect in your next home. 

 Built in 2008, the owner didnt want just the average renovation, he wanted 100% custom. Nothing left from the original structure except for the brick walls. So he instructed the builder to gut everything inside from the basement all the way up including the roof. They started with a front and 2 side walls and created everything else you see inside the house from scratch paying attention to even the smallest details. 

 Because the owner liked tall ceilings, the builder did something rarely seen downtown. A house built within a house. Yes, the entire home is actually built within the brick walls, not onto them. Raised 2 ft higher than your average home, the basement actually has taller ceilings than most homes first floor. This feature allowed the owner to get the ceiling heights he wanted as well as not have to disturb the existing brick or put the floor joists into the brick. 

 Then they focused their attention to the finishes and this house looks amazing! Every inch of this house was purpose built and well thought out before starting construction. Lets step into 1723 Clarkson for a tour that is guaranteed to impress even the most discerning buyer. 

Exterior:
 Standing out front of 1723 Clarkson your already in amazement because of the exterior feature that is truly unique to this home. Look up, its got a balcony off the front for views to the west, south and north to the city skyline. You will also see the energy efficient windows encased into the brick surrounds, not just mounted inside. This house is extremely energy efficient. 

First Floor:
 Step inside the home and that is when you will notice that its not like walking into any other house that you have seen. Its bigger! That's because it was raised 2 ft to get more height out of the basement. As you glance around in amazement, you will notice the gorgeous wood floors that flow seamlessly throughout the first floor. Look to your right and left, there are custom features everywhere you turn. Built in TV & speakers, Crown Moulding, Chair Rail, Recessed Lighting and tons of outlets are just a few of the many features you can see. 

 The rest of the magic is behind the walls. Owner and contractor worked closely to make this home as technologically advanced as they could. So they pre wired the entire house is HDMI, phone line, & CAT 5 lines. All neatly flowing and easily accessed in one centralized location in the lower level. Its an audio/videophiles dream! 

 Walk through the light filled living room, past the custom stairs and railing sporting iron spindles. Move into the dining room and kitchen. You can quickly see this custom kitchen has been built by someone who loves to cook and entertain. Custom cabinetry, Silestone countertops, Stainless Steel Appliances, Center Island Gas Cooktop, Recessed Lighting, Crown Moulding, Wainscoting and a built in TV pre wired for cable or cameras! 

Kitchen:
 You can see that there is a lot more space as you head towards the rear of the home. Its been bumped out an astonishing 15'! Remember this house was well thought out and purposefully with many things in mind. How many row homes in Baltimore have you seen with a walk in Pantry? This house has one as well as a laundry hookup pre plumbed and pre wired just in case you had room mates or guests and didnt want them to have to come up to your private suite to do the laundry. Then you have a beautiful half bath. This is 1 of 5 Bathrooms in the home! Finally on this floor you have the large, 2 car Parking Pad. When out on the pad, look up and you will see there are doors prebuilt into the rear of the house. Remember the owner thought of everything with the future in mind. He had the contractors put doors in the rear of the house on both the 2nd and 3rd floors just in case he wanted to build decks! Smart!

Bedrooms 1 & 2:
 Lets head up the beautiful staircase to the second level where you will find that the hallway and one of the bedrooms are decked out in beautiful hard wood flooring. Also notice that the ceilings are 9ft tall! Head to the front of the house for bright and airy Bedroom 1. Take a look at the large, ensuite bathroom, roomy closet and gleaming hardwood floors! You will also notice that the air ducts are recessed creating a tray ceiling. Head back out into the hallway and into Bedroom 2. This room has beautiful, luxurious carpet and its own en suite Bathroom as well as tray ceilings with recessed duct work and lighting. Notice the well thought of door to what could be your future 2nd floor deck! Move on back out into the hallway, we are headed to the top floor master suite !

Master Suite:
 Make your way up the custom staircase to the floor that was added to this already amazing home. This is where you will find the tranquil, private oasis that is the Master Suite! This full floor custom master, complete with 9ft ceilings, custom crown moulding, chair rail and 6in baseboards, was built with serenity, privacy, luxury and convenience in mind. Proceed through the master and follow the clean, lustrous hard woods to the stairs with French doors that welcome you to your Private Terrace. Step out onto the large terrace and enjoy expansive views of the city to the west, south and north. Bask for a second in the setting sun and imagine yourself enjoying a morning coffee or a late night glass of wine taking in all the beautiful images of the great city of Baltimore. 

Master Closet & Bath:
 Step back into the plush master suite and you will notice your Master walk in Closet. This is no ordinary closet, not only can you hang your clothes here, you can also clean them. Built into the closet as a full size washer and dryer! Step out of the closet and make your way on back to the other side of the master suite. Here you will find the custom master bathroom fit for royalty. Large and luxurious, this master bath sports wall to wall custom tile, a huge custom tiled shower, dual sinks on a custom vanity, built in TV and a door that leads to your future 3rd floor deck! You are definitely impressed!

Lower Level:
 Head back downstairs and lets take a look at the finished lower level. This spacious basement is complete with new carpet, 8ft of headroom, recessed lighting and a 10 x 10 storage area. The half bath has piping in place to become a full bath should you choose to add a 4th! The lower level area is pre wired for 2 TV's so no matter what you do, you will absolutely enjoy yourself. 

 This concludes our tour of the magnificent, luxurious, custom built dream home at 1723 Clarkson St in Baltimore. Offered by Ian R. Lobas of Keller Williams Excellence. Please get in touch with Ian for any questions you have about the home and to schedule a private tour. Click here for pics and more info!

Ian R. Lobas
The Lobas Group
Keller Williams Excellence
410-560-5858 Broker
443-463-5506 Cell
ian@thelobasgroup.com