Paul W Sullivan & Assoc



Posted by Paul W Sullivan & Assoc on 5/2/2021

Photo by Louis Hansel @shotsoflouis on Unsplash

Looking for a soup for all seasons? Let Zucchini Potato Soup fill the bill. It's low-fat and light yet filling. It's power-packed with nutritious goodness, and enhanced with the perfect blend of spices and herbs.

This recipe serves a party of 6 or more. If you have a food processor or a blender, you can make it. Here's how.

Step 1: Gather Your Ingredients

To create a robust soup base, you will need:

  • 5 medium-sized zucchini squashes
  • 4 large carrots
  • 2 white or yellow onions
  • 5 medium-sized potatoes
  • ½ cup fresh parsley, chopped
  • ½ cup fresh basil, torn or chopped 
  • 2 Tbsp. tarragon and a pinch of cayenne pepper
  • Organic, cold-pressed olive oil
  • A clove of garlic, chopped
  • Pepper and salt
  • Step 2. Prepare the Vegetable Broth 

    Wash and coarsely chop your zucchini squashes, potatoes, carrots and onions. There is no need to peel the potatoes unless you prefer doing so. Sauté these vegetables together with a generous dash of your best olive oil, or heat them up in a non-stick pot if you'd prefer to go oil-free. As your vegetables become just slightly browned, add the parsley, pepper and salt.

    Add enough water to cover these ingredients and create a savory broth.

    Cover the pot.

    Allow broth to simmer for 25 minutes. 

    Drain, while reserving the broth.

    Step 3. Prepare the Hearty Soup

    Sauté the chopped clove of garlic in a pan lightly lined with olive oil until the garlic is golden brown. Add the zucchini-carrot-potato mix. Toss in the chopped basil and tarragon.

    Add a pinch of cayenne pepper and salt and pepper to taste. 

    Stir well.

    Blend reserved vegetable broth into the soup.

    Step 3. Simmer and Cool

    Allow soup to simmer, partially covered, for 15 minutes. 

    Let the soup cool down. Pour just over half of the cooled soup into a food processor and purée the mix.

    Pro tip: Why cool the soup before pouring it into a food processor or blender? Steam can quickly rise out of hot mixes and fill up the machine, splatter out and cause burns. Plus, pouring anything super hot into machines with plastic parts just isn't an appealing idea, even if the machine parts are all food-safe. So, if you want to speed the cooling process, use ice and a large spaghetti strainer and pour the mix through it.

    Step 4. Heat and Serve

    Add the puréed part of the mix back into the pot with the rest of the soup.

    Heat and stir for 3 minutes.

    Serve hot. This soup goes well with a fluffy bowl of couscous, rustic rolls or homemade bread.




    Tags: Cooking   recipes  
    Categories: Uncategorized  


    Posted by Paul W Sullivan & Assoc on 4/25/2021

    A home inspection report may prove to be a difference-maker for a property buyer, and for good reason. With an inspection report in hand, a property buyer will need to decide whether to proceed with a home purchase or rescind a homebuying proposal. Therefore, a property buyer must allocate time and resources to review a home inspection report so he or she can make an informed homebuying decision.

    Ultimately, there are many reasons why a homebuyer should trust the final results of a property inspection report, and these reasons include:

    1. A home inspection is conducted by a property expert.

    A home inspection is conducted by a property expert who will perform a deep evaluation of a house. As such, a home inspector will provide a homebuyer with a comprehensive report that details his or her findings.

    For homebuyers, it often is beneficial to search for a top-rated home inspector. This inspector likely will provide an in-depth report that outlines a house's strengths and weaknesses. A homebuyer then can use this report to make an informed decision about how to proceed with a house.

    2. A home inspection is used to assess all aspects of a house.

    A home inspection generally takes several hours to complete. During this evaluation, a home inspector will look at a home's foundation, heating and cooling systems and other aspects of a house. By doing so, a home inspector will be able to identify any underlying issues with a residence.

    It usually is beneficial to ask questions during a home inspection as well. If you strive to learn from a home inspector, you can boost the likelihood of making the best-possible decision about whether a house is right for you.

    3. A home inspection offers insights that property buyers may struggle to obtain elsewhere.

    Although a homebuyer may visit a house more than once before submitting an offer to purchase, a home inspection represents a learning opportunity unlike any other. A house inspection enables a homebuyer to examine a residence both inside and out with a property expert. Then, this buyer will receive an extensive inspection report that he or she can review prior to finalizing a house purchase.

    If you're preparing to search for a home, you may want to hire a real estate agent. This housing market professional will be able to guide you along the homebuying journey. And once you reach the point where you need to conduct a house inspection, a real estate agent will help you find a top home inspector in your city or town.

    Of course, a real estate agent will respond to your homebuying concerns and questions too. As a result, a real estate agent will help you take the guesswork out of buying a house.

    Ready to find and purchase a home? Before you finalize a house purchase, perform a home inspection Ė you'll be glad you did. Because if you review a home inspection report, you can determine the best course of action relative to a home purchase.




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    Posted by Paul W Sullivan & Assoc on 4/18/2021

    Dotting the I's and crossing the T's on a home loan application may seem like a daunting task, regardless of whether you're a first-time or experienced homebuyer. However, those who know what to expect when they fill out a home loan application may be better equipped than others to obtain a home loan that matches or exceeds their expectations.

    When it comes time to fill out a home loan application, you'll need to provide a variety of information, including:

    1. Personal Information

    Allocate the necessary time and resources to provide as much personal information as possible on your home loan application. That way, you can make it easy for a lender to create a file for all of your home loan information.

    Typically, your lender will ask for your Social Security number, date of birth, current housing information and school information. Provide accurate personal information at all times, and if you're uncertain about how to answer certain questions, consult with a home loan expert for additional support.

    2. Employment Information

    Where have you worked, and how much have you earned while you've worked for various companies in the past? As you complete your home loan application, you'll need to provide employment information to verify your current and past employment and income.

    Usually, a lender will want you to provide the names, addresses and telephone numbers for any employers over the past two years. This will allow a lender to verify employment as part of the home loan application process.

    You also will need to offer copies of your two most recent pay stubs to a lender. This will enable the lender to confirm your current income.

    Lastly, if you are self-employed, you likely will need to provide a lender with a profit and loss statement for the past two years.

    3. Financial Information

    Tax forms, bank account information and asset details are some of the key parts of the financial information section of a home loan application.

    Ultimately, the financial information section helps a lender verify if you have any outstanding credit lines, rental property and much more. This information will help a lender make an informed decision about your loan application and determine how much you are eligible to receive toward the purchase of a new house.

    If you ever have questions at any stage of the home loan application process, don't hesitate to reach out to a home loan expert for help. This professional will be able to offer comprehensive insights to help you complete a timely, accurate home loan application.

    In addition, your real estate agent may be able to put you in touch with various lenders in your area. With this housing market professional at your side, you can learn about different lenders and find one that can help you get the right home loan.

    Finalizing a home loan application may seem like an uphill struggle. But if you act as a diligent homebuyer, you should have no trouble reviewing all sections of a home loan application. And as a result, you can provide a lender with relevant information and boost your chances of getting the perfect home loan.




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    Posted by Paul W Sullivan & Assoc on 4/11/2021

    Fireplaces are often seen as a necessity for homebuyers. It adds charm and decorative as well as physical warmth to a home. More than half of new homes have a fireplace. If your home doesnít have a fireplace, you may wonder if installing and maintaining a fireplace is worth it. Will it add value to your home? There are a few things you need to consider before you decide to take on this project.


    Value


    Keep in mind that fireplaces are not directly accounted for during a home appraisal. Yet, they add value to a home. Home buyers will pay more for homes that have fireplaces. Depending on the location of your home, a fireplace can increase the value of the property by a significant amount- up to thousands of dollars.


    Location


    The location of a home really has a direct effect on how much value it adds it a home. When added to other amenities in your home, a fireplace can compound to make the home appear more luxurious. A fireplace is a must in a higher end home.  


    On the flip side, more modest homes may not need fireplaces. If a home needs many other improvements, a fireplace may not add much to the property. The amount of value a fireplace adds is very much dependent on the type of property itís being added to.       



    Cost


    Itís possible to add a fireplace to just about any home. The cost will vary by a large amount ranging anywhere from a few hundred dollars to tens of thousands of dollars. Specific requirements may exist within your city dictating how fireplaces must be installed. Keep in mind that everything from the type of fireplace thatís being installed to the height of the chimney must be considered. Look into things like:


    • Emission limits
    • Chimney height
    • Construction requirements
    • Permits
    • Type of installation

    Each requirement will add a bit more cost to the project, so itís best to do some research beforehand. 


    Getting The Maximum Value


    If you decide that adding a fireplace is the right decision for your property, there are a few ways to get the maximum return on your investment. First, you should build the fireplace in the room of your home thatís most used. This space would most likely be the living room or family room in most cases. Keep in mind that adding a fireplace can drastically change the look of a room.


    Whether youíre adding a fireplace or putting in an initial one, you can be sure that it will add value to your home in the form of attraction and home price.  





    Tags: fireplace  
    Categories: Uncategorized  


    Posted by Paul W Sullivan & Assoc on 4/4/2021

    If you want to purchase a home, it pays to establish a homebuying budget. By doing so, you can enter the housing market with a budget in hand and narrow your search for your dream house.

    Now, let's take a look at three best practices to help you create a homebuying budget.

    1. Look at Your Finances

    Your finances will play a major role in your ability to purchase a home. Thus, you should evaluate your current financial situation closely so you can map out an effective homebuying journey.

    Request a copy of your credit report Ė you'll be glad you did. You are eligible for a free copy of your credit report from each of the three reporting bureaus (Equifax, Experian and TransUnion) annually. Take advantage of this complimentary perk, and you can gain deep insights into your outstanding debt.

    If you have outstanding debt, try to pay this down as much as possible. That way, you can boost your credit score, which ultimately will help you improve your chances to acquire your ideal residence.

    2. Meet with Banks and Credit Unions

    When it comes to buying a home, meeting with banks and credit unions usually is a great idea. That way, you can learn about your home loan options and get pre-approved for a mortgage.

    Apply for a mortgage from several banks and credit unions. Then, you can receive various mortgage quotes and select one that suits you perfectly.

    Also, don't hesitate to ask plenty of questions during a lender consultation. Banks and credit unions employ friendly, knowledgeable mortgage professionals Ė all of whom are happy to help you make an informed mortgage decision. Therefore, if you're unsure about whether to proceed with a 15- or 30-year mortgage or can't decide between an adjustable- or fixed-rate mortgage, you can ask these mortgage professionals for expert advice.

    3. Consult with a Real Estate Agent

    A homebuying budget is tricky to establish on your own, especially if you are entering the real estate market for the first time. Fortunately, a real estate agent can help you plan ahead for all stages of the homebuying cycle.

    During a real estate agent consultation, a housing market professional will learn about your homebuying goals. Next, this professional will help you establish realistic homebuying expectations and ensure you can discover a great house at a budget-friendly price.

    Of course, let's not forget about the world-class support that a real estate agent provides after you kick off a home search, either.

    A real estate agent will set up home showings, keep you informed about open houses and offer homebuying recommendations and suggestions. Perhaps best of all, a real estate agent can negotiate with a seller's agent on your behalf to help you get the best price on a house.

    Ready to begin your search for your dream home? Use the aforementioned best practices, and you can craft a homebuying budget and start your homebuying journey.




    Categories: Uncategorized  




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