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Wood Block Frankenstein Monster Halloween DIY Craft   Creepy Wood Block Frankenstein Monster: DIY Halloween Craft   Wood blocks to create DIY fun Halloween characters and monsters   Are you looking for a spooky project to do this Halloween? Check out this Wood Block Frankenstein Monster DIY craft! This creepy decoration is a great way to transform any room in your house into a haunted scene. This craft is easy to make and takes just a few hours to complete. You'll need a few supplies, including wood blocks, paint, and adhesive. Once you've assembled your Frankenstein monster, you can start scaring your friends and family this Halloween!   These Halloween-themed wood blocks make the PERFECT holiday craft and decoration for kids and adults alike!!   These Easy Halloween DIY EEK Wood Blocks look adorable with your other Halloween decor. It's super simple and looks impressive when done.   Quick Link https://youtu.be/4vP3_uC_Zak - Thank you for joining Lucy and me today. Hope to see you next time. Contact Information Joan@CraftingWithJoan.com www.CraftingWithJoan.Com YouTube Home Page: https://www.youtube.com/channel/UC4qZqe4AOindr0xA88XbgtQ Facebook: https://www.facebook.com/craftingwithjoan Instagram: https://www.instagram.com/craftingwithjoan/ Pinterest: https://www.pinterest.com/craftingwithjoan/ Blog: https://craftingwithjoan.blogspot.com/ Copyright © 2023 Crafting with Joan All rights reserved. Want to change how you receive these emails? You can update your preferences or unsubscribe from this list.

 😀 Make these beautiful DIY projects 😀

DIY Super Easy Fun Tootsie Pop Ghost Treats How Do You Make Ghosts Treats Then you can make these super easy Tootsie Pop ghosts!  Great as fun & straightforward Halloween treats, favors, and decorations.  And a great Halloween craft for the little ones. How do you make a ghost with Tootsie Pop? These fun lollipop ghosts made from tootsie pops make perfect gifts for your child's classroom, co-workers or to give out to trick-or-treaters!   This craft for kids is a beautiful way to prepare for Halloween treats! · Includes polyester sheets, googly eyes, and chenille stems.    Wrap the paper towel around a Tootsie Pop, and place a piece of yarn under the wrapped Tootsie Pop, right under the 'Pop' part. Tie the yarn in a bow and trim the 'tails' to your liking. What is this? Then, draw a little ghost face with the black marker. - Thank you for joining Lucy and me today. Hope to see you next time. Contact Information Joan@CraftingWithJoan.com www.CraftingWithJoan.Com YouTube Home Page: https://www.youtube.com/channel/UC4qZqe4AOindr0xA88XbgtQ Facebook: https://www.facebook.com/craftingwithjoan Instagram: https://www.instagram.com/craftingwithjoan/ Pinterest: https://www.pinterest.com/craftingwithjoan/ Blog: https://craftingwithjoan.blogspot.com/ Copyright © 2023 Crafting with Joan All rights reserved. Want to change how you receive these emails? You can update your preferences or unsubscribe from this list.

Are Home Flippers Get Burned In The Housing Market?   By Dennis Dahlberg Broker/RI 623-582-4444 M NMLS 1018071 AZMB 0923961 August 29, 2023  After an abrupt end to the US housing boom, home flippers who were winning big just months ago are now racing to stem losses. Since January, the doubling of mortgage rates has crushed buyer demand and depressed values in investors' most favored locations, from Phoenix and Las Vegas to Jacksonville, Florida. It's a swift turnabout for flippers such as those stuck with homes to sell and loans to pay. Investors say, "It's a high-risk, high-reward business — and now we're facing the high risk, and I'm just praying for break even." Flippers with loans must repay them, and rising interest rates make carrying costs even more significant. Their troubles can reverberate across the market: Just as investors bid prices higher on the way up, they can accelerate the move downward. For most fix and flippers, the focus will be on selling, and the faster, the better. A small number will keep buying even though finding truly undervalued homes is near impossible and a guessing game of how far the market will drop. Home-flipping activity reached a record at the start of the year, making up one in 10 transactions, surpassing the levels in the last bubble, according to Attom, an Irvine, California-based data provider, which tracked sales of properties that previously sold within the last 12 months. While the share remains elevated, it fell to 8.2% in the second quarter of 2023. Conditions have deteriorated more since then, with mortgage rates near the highest level in 20 years. Demand has cooled particularly fast in Sun Belt markets such as Phoenix, Jacksonville, and Atlanta, pandemic boom areas where affordability has been strained. Fix and Flippers made up about 14% of transactions in those regions in the second quarter, but those shares sank in July and August, according to more recent monthly data provided by Attom. Phoenix property investors have had to slash prices after the slowdown caught investors. A lot of investors are getting hammered. Losses will grow, but even thin margins are a big problem when you're a full-time flipper. We have hard-money loans with 10% to 14% interest rates. It's a constant dance — do I wait it out, or does the price drop? Both cost money. For the most part, investors are paying back their loans, said Matt Prosory RI/Broker at Level 4 Funding, a hard-money lender in Phoenix, Colorado, and Texas. The default rate was 1.25%, which has climbed to 2.5% in the past two months. But it remains below pre-pandemic norms. Matt said fix and flippers with nicely renovated turn-key properties will stand out in this market. But it will be painful for those who overpaid, counting on rapid appreciation to make them money, he said. "Lots of them, in hindsight, were making bad buys. Anybody fix and flipping right now must look closely at the property pricing: Price it to sell. Today is not the time to get greedy.   Phoenix flippers are trying to put things in perspective. Flippers have purchased much more over the last two years than they will likely lose. Fix and Flippers are giving back the money they made. I ask my flippers if flipping is dead or at least dying. Here in the Phoenix, Arizona, metro area, I have watched the margin on deals become slimmer and slimmer. During the past few years, television shows and seminars have flooded the flipping market with people who believe flipping homes is an easy way to riches. Trustee auction prices are near MLS prices (retail), and I cannot believe what people are paying. I recommend that flippers take an extended vacation and return later to see how the market is going.   Matt Prosory RI/MLO/Broker NCO Enterprises LLC Dba Setabay Private Hard Money 26731 N 90th Drive Peoria AZ 85383 Telephone: 623-582-4444 NMLS 2062278 NMLS 1118493 Equal Housing Opportunity. This is not a Good Faith Estimate nor a Guarantee to lend and should not be considered as such. Costs, rates, estimates, and terms can only be determined after completing an application. Actual payments will vary based on your situation and current rates. APR for loans ranges from 7.99 - 29.5% and is based on Credit Score, Down Payment, LTV, and Income. Mortgage rates could change daily. For more accurate and personalized results, please call 623 582 4444 to talk to a licensed mortgage expert. Terms and conditions of all loan programs are subject to change without notice. NCO Enterprises LLC Dba Setabay Private Hard Money 26731 N 90th Drive Peoria AZ 85383 Telephone: 623-582-4444 NMLS 2062278 NMLS 1118493 This email is for the exclusive use of the intended recipients and may contain privileged and confidential information. If you are not an intended recipient, please notify the sender, delete the email from your computer, and do not copy or disclose it to anyone else. Your receipt of this message is not intended to waive any applicable privilege. Neither this email nor any attachments establish a client relationship, constitute an electronic signature, or provide consent to contract electronically unless expressed by Matt Prosory RI/CEO, in this email or an attachment. To the extent this message includes any tax or legal advice. This message is not intended or written by the sender to be used, and cannot be used, for legal or tax purposes or advice. This email is an advertisement.

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 😀 Make these beautiful DIY projects 😀

Get Ready for Halloween with this Quick and Easy DIY Wooden Jack O'Lantern Craft Make DIY wooden Jack-o'-lanterns, simple wooden blocks made to look like Jack-o-lanterns. These little wooden jack-o-lanterns will delight and add spooky decor to your house this Halloween. Are you looking to create a spooky fall atmosphere in your home? This easy DIY wooden Jack-o'-lantern is the perfect way to do just that! With just a few simple wooden blocks, you can create a Halloween masterpiece that will make everyone's eyes light up! In this video, we'll show you how to make these creepy wooden Jack-o'-lanterns in just a few easy steps. We'll also provide a step-by-step tutorial on creating the perfect fall atmosphere in your home! Whether you want to add a little Halloween cheer to your home or create a creepy atmosphere for trick-or-treating, this DIY wooden Jack-o'-lantern is the perfect project.   Quick Link https://youtu.be/gZrbJukHCiM - Thank you for joining Lucy and me today. Hope to see you next time. Contact Information Joan@CraftingWithJoan.com www.CraftingWithJoan.Com YouTube Home Page: https://www.youtube.com/channel/UC4qZqe4AOindr0xA88XbgtQ Facebook: https://www.facebook.com/craftingwithjoan Instagram: https://www.instagram.com/craftingwithjoan/ Pinterest: https://www.pinterest.com/craftingwithjoan/ Blog: https://craftingwithjoan.blogspot.com/ Copyright © 2023 Crafting with Joan All rights reserved. Want to change how you receive these emails? You can update your preferences or unsubscribe from this list.