Daily Archives: April 24, 2014

Down to Earth Farmers Markets | Cross River Realtor

 

JAN2014-DTE-E-Mail-Masthead_(722x226pxl)FRESH-2-(1

Sale on Country-Style Pork Ribs + Local Honey in Ossining;
Trotta Pasta + Pie Lady & Son in Mamaroneck
+ More
April 24-30th, 2014

DowntoEarthMarkets.com
Onions- April-2014
What’s New and On Sale This Week

Black & White Chocolate Explosions
Back by popular demand

Meredith’s Bread



Ground Beef Jerky
one pound packages

SALE: $4.00 OFF per pound!
Reg: $26/lb; NOW $22/lb
Kiernan Farm

Pork Ribs – Country-Style
SALE: $1.50 OFF per pound

Reg: $10/lb; NOW $8.50/lb

Kiernan Farm

Wild Ramps, Ramp Pesto &
Ramp Sausage

Stone & Thistle Farm


Click on a Market to see all vendor and event details…

Westchester
County

Mamaroneck – OPEN NOW

Saturdays thru May 3rd
9:00 am to 1:00 pm


Rockland
County


Ossining

OPEN ALL YEAR AROUND
Saturdays
9:00 am-1:00 pm


Larchmont

OPENING DAY: MAY 10th
Saturdays
8:30 am-1:00 pm

Piermont

OPENING DAY: MAY 11th
Sundays
9:30 am-3:00 pm

L
Croton

OPENING DAY: MAY 11th
Sundays
9:00 am-2:00 pm


Rye

OPENING DAY: MAY 11th
Sundays
8:30 am-2:00 pm

Spring Valley

Coming in July

Tarrytown/Sleepy Hollow

OPENING DAY: MAY 24th
Saturdays
8:30 am-1:00 pm


New Rochelle

OPENING DAY: JUNE 20th
Fridays
8:30 am-2:30 pm


Headed to the city soon?

Visit a Down to Earth
Farmers Market in NYC!

Announcements
Mother’s Day Weekend: May 10th & 11th

We’re getting ready to open four farmers markets over Mother’s Day Weekend:
Larchmont, Rye, Croton-on-Hudson, and Piermont. These openings are earlier than in years past, and to celebrate the timing with Mother’s Day, we’re hosting “Make Mom a Card!” events at the markets. We’ll have great music, too. Visit the Down to Earth Markets Calendar for full details. See you there.

Stay tuned to all market happenings via our Down to Earth Markets Facebook page
and follow us on Twitter @DowntoEarthMkts.

Welcome Back, Wild Ramps. Sure is Nice to See You.
washedramps
Photo courtesy of Amy Cotler, The Locavore Way

Spring is nature’s way of saying, “Let’s party!”
– Robin Williams

And our first guest has arrived. This week, Tom Warren of Stone & Thistle Farm wrote in with the news that he’ll have ramps at our farmers markets this weekend. It will be the first time in 2014.
After a long, frigid winter, the Earth is opening back up.

Ramps are a part of the onion plant family and are also known as “wild leeks”. According to Deborah Madison in Vegetable Literacy, “they like moist, sandy soils, preferably near a stream.”
Lucky for us in the Northeast, we’ve got quite a bit of this landscape. Ramps usher in our spring. As they set the table, shortly the other guests will arrive: asparagus, nettles, fiddleheads, and garlic scapes. In most cases, these are foods from the wild. Our farmers markets are stocked by Mother Nature, as local growers and foragers bring what is available from around here, at this time.

When we eat seasonally, we get to connect with nature’s rhythm — to cherish its limited editions. We say this not in an overly precious way, but rather to celebrate what we are all given by nature. The first foods of spring are full of vibrant colors and tastes that will only be here for a short while. And that’s reason to party.

Ramp Aioli
by Stone & Thistle Farm

Serves 4

Ingredients

2 tsp fresh lemon juice
1/4 tsp cayenne pepper
1 egg yolk from pastured hens
1/2 cup olive oil
6 ramps, whites only (reserve greens for another use – perhaps diced into scrambled eggs)
Minced Kosher salt and freshly ground pepper to taste

Instructions

Whisk together the juice, cayenne pepper, and yolk in a mixing bowl. While whisking, slowly drizzle in 1/2 cup oil until sauce is emulsified; stir in ramps. Season with salt and pepper, and set aside. Enjoy.

Note: The wild foods, such as ramps, offered at Down to Earth Farmers Markets are thoughtfully foraged. In the name of a good thing, the foods are collected in a way that ensures future harvests. If you have any questions about the process, ask your favorite vendor.

Day Vendors This Week

Mamaroneck

Flourish Baking Company
Pie Lady & Son
Trotta Pasta

Ossining

Hudson River Apriaries

Down to Earth Markets 173 Main Street Ossining, NY 10562 Phone: 914-923-4837
DowntoEarthMarkets.com

Mortgage Rates up slightly to 4.33% | South Salem Realtor

 

Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing average fixed mortgage rates following an uptick in the 10-year treasury note and amid a week of soft housing data.

News Facts

  • 30-year fixed-rate mortgage (FRM) averaged 4.33 percent with an average 0.6 point for the week ending April 24, 2014, up from last week when it averaged 4.27 percent. A year ago at this time, the 30-year FRM averaged 3.40 percent.
  • 15-year FRM this week averaged 3.39 percent with an average 0.6 point, up from last week when it averaged 3.33 percent. A year ago at this time, the 15-year FRM averaged 2.61 percent.
  • 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 3.03 percent this week with an average 0.5 point, unchanged from last week. A year ago, the 5-year ARM averaged 2.58 percent.
  • 1-year Treasury-indexed ARM averaged 2.44 percent this week with an average 0.5 point, unchanged from last week. At this time last year, the 1-year ARM averaged 2.62 percent.

Average commitment rates should be reported along with average fees and points to reflect the total upfront cost of obtaining the mortgage. Visit the following links for the Regional and National Mortgage Rate Details and Definitions. Borrowers may still pay closing costs which are not included in the survey.

Quotes Attributed to Frank Nothaft, vice president and chief economist, Freddie Mac.

“Mortgage rates edged up following the uptick in the 10-year Treasury note late last week. Existing home sales were essentially flat with a 0.2 percent decline in March to a seasonally adjusted annual rate of 4.59 million. However, new home sales fell nearly 15 percent in March to an annual rate of 384,000, well below consensus.”

Freddie Mac was established by Congress in 1970 to provide liquidity, stability and affordability to the nation’s residential mortgage markets. Freddie Mac supports communities across the nation by providing mortgage capital to lenders. Today Freddie Mac is making home possible for one in four home borrowers and is one of the largest sources of financing for multifamily housing. Additional information is available at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog FreddieMac.com/blog.

Should Uncle Sam really be subsidizing the American Dream? | Bedford Hills Real Estate

 

It may sound like heresy to some in the industry, but Catherine Rampell has a point in the Washington Post today – a home is not a good investment.

Calm down. That comes with a caveat – it’s not a good investment as an investment.

Catherine even quotes the highly regarded economist Robert Shiller:

The fact that Americans still financially fetishize homeownership baffles me. Never mind that so many people lost their shirts (among other possessions) in the recent housing bust. Over an even longer horizon, owning a home has not proved to be a terribly lucrative investment either. Don’t take my word for it; ask Robert Shiller , winner of the 2013 Nobel Prize in economics who previously became a household name for identifying the housing bubble.

“People forget that housing deteriorates over time. It goes out of style. There are new innovations that people want, different layouts of rooms,” he told me. “And technological progress keeps bringing the cost of construction down.” Meaning your worn, old-fashioned home is competing with new, relatively inexpensive ones.

Over the past century, housing prices have grown at a compound annual rate of just 0.3 percent once one adjusts for inflation, according to my calculations using Shiller’s historical housing data. Over the same period, the Standard & Poor’s 500-stock index has had comparable annual returns of about 6.5%.

Yet Americans still think it’s financially savvy to dump all their savings into a single, large, highly illiquid asset.

So yes, a home is a lousy investment in terms of returns next to other types of investments.

Rampell fails to mention, though, that if someone isn’t paying a mortgage, that same amount of money – or even more since renting is now more expensive than buying – is thrown away on rent regardless, unless you plan to live in a van down by the river.

But Rampell does have a point – the constant drumbeat of the voices that housing prices should, in perpetuity – continue to rise and at a rate faster than inflation is irrational on the face of it.

Homeownership makes sense because it makes sense, with a few markets being the exception. It’s value is self-evident not as an investment vehicle, but because 1) you won’t live long without shelter and 2) because unless you expect to be extremely transient, you build equity.

 

 

read more…

http://www.housingwire.com/blogs/1-rewired/post/29764-should-uncle-sam-really-be-subsidizing-the-american-dream

Experts say Colorado homes selling within days in hot real estate market | Katonah Real Estate

 

Real estate and mortgage experts in Denver say houses across the state are selling in days, leaving few options for potential buyers to choose from.

Coldwell Banker Managing Broker Andy Sommer said metro Denver is a true hot market — attributable to job growth in the region and low supply — because those who already own likely refinanced and have a great rate and have no desire to leave.

“Many of our listings are sold within the first day and most of them with multiple offers,” said Sommer. “People are set. They’re financially sound, they don’t have to go anywhere and they are solid in their jobs.”

Jim Perkins, with First City Mortgage-Megastar Financial said northern Colorado is the same story.

“The most I’ve heard on one property was 16 offers on one house,” said Perkins.

For buyers who find something, experts say keep your eyes on it and make a move quickly, because if you don’t someone else will.

The most in-demand price range for buyers right now is anywhere in the $200,000 to $300,000 range — even up to $350,000.

If a home goes up for sale at that price and it’s priced right, experts said sellers are looking at an average of eight offers within two to three days.

 

read more…

http://www.thedenverchannel.com/news/local-news/experts-say-colorado-homes-selling-within-days-in-hot-real-estate-market04232014

So Helpful: A Map of Housing Prices at Every London Tube Stop | Bedford NY Real Estate

In a big city, it can be tough finding an affordable apartment near work, especially if you want to use public transit to commute. A new map tool developed in London is making that search a little easier. Created by the apartment search website Find Properly, the tool reproduces the London Tube map, with rental and house prices (and links to property listings) detailed for each station. Click on the station, and the map reproduces the different prices at each stop along the line, creating a graph that sometimes looks like rolling hills and sometimes like a set of alpine peaks and chasms.

(If you’re having any trouble seeing or using the embedded map above, click here for the full version)

While the prices (and do note that they are listed by week instead of month) could make your eyes water, the map is nonetheless a remarkably helpful tool. Commuters can decide how many Tube stops and changeovers away from work they’re prepared to live, then work out what they can afford within that area.

Even for people who know London well, a map like this can blow assumptions out of the water by showing the gap between a neighborhood’s reputation and its actual prices. People have long paid very high prices, for example, in the North London hilltop district of Hampstead, attracted by its village-like 18th century streets and massive woodland park. The map shows that the neighborhoods further down the same hill – once considered a second-best overflow area – can cost even more. It also turns out that the South London area where I live is actually more expensive than the nicer neighborhood next door (time to move, perhaps?).

Browsing the map, some clear trends develop. Across town, rent rises and falls are far less spiky than those for house prices. This is especially true for one-bedroom apartments, less so the more bedrooms you add – though the figures don’t take into account the smaller size of city center apartments. For cheaper housing, you’re generally better off looking in the Far East of London. And for bargains? You’re best off looking in another city entirely.

 

 

read more…

http://www.theatlanticcities.com/technology/2014/04/so-helpful-map-housing-prices-every-london-tube-stop/8949/

 

Spring clean your way to being fit | Pound Ridge Real Estate

 

Skip the gym and bust out the broom: These household activities torch up to 200 calories in just 30 minutes—nearly double the amount you’d burn pumping iron in the gym. Keep the routine up on a weekly basis and you’re bound to banish both extra clutter and inches. Read on to find out which projects will put a dent in your to-do list and prep your body for spring’s skin-baring clothing.

 

read more…

 

http://healthyliving.msn.com/fitness/spring-clean-your-way-to-fit

Building a Fire Pit | Bedford Corners Homes

 

Getty Images

You could just build a fire somewhere, then put it out when you’re done. Or you could buy one of those metal basins at a place like Williams-Sonoma. But by actually digging into the dirt and constructing a pit whose sole purpose is to contain a campfire — by permanently incorporating it into the tiny speck on the earth that belongs to you — you are making a commitment. A commitment to your family, a commitment to your friends, and a commitment to having fun.

1. Decide whether or not to check if local laws permit the building of a fire pit in your yard.

2. Pick a location. Not under a tree. Some corner of the yard where you envision friends sitting around reminiscing about old times with love and friendship, plus old jealousies bubbling just beneath the surface.

3. Measure the hole. The diameter should be four feet or five feet. Make an X, with the axis at the center of what will be your fire pit. Use string to mark a circle on the grass around your X. Measure all of these with a tape measure or your feet, which are probably about a foot long if you have big feet.

4. Dig the hole. It should be about ten inches deep, with the sides gently angled out, like a bowl with a flat bottom.

 

read more…

http://living.msn.com/home-decor/diy-decorating/how-to-build-a-fire-pit-1

 

Do-it-yourself design projects that are less crafty | Chappaqua Homes

 

Pinha lamp

To create its customizable Pinha lamp, the London studio Raw-Edges took advantage of cork’s unique properties. As an insulator with low heat conductivity, it’s safe to wrap around virtually any bare lightbulb without the risk of burning the whole house down. And the fact that it makes a great pincushion gave the duo the idea for its shape: Four tiers provide the perfect platforms for tacking on a shade of your choosing, from graph paper to vintage maps.

 

 

 

read more…

http://living.msn.com/home-decor/diy-decorating/do-it-yourself-design-projects-that-are-less-crafty-more-cool#2