Thanks to Earth Fairy Entertainment for donating to our raffle!

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Be sure to thank the Earth Fairy team at the picnic while they're keeping the kids busy with face painting, bounce house, and the circus magician performance!  Then, fingers crossed you'll win a gift certificate of $100 toward a bubble show during our raffle!  

www.earthfairyentertainment.com

Thank you Reverend Nat for your donation!

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Check out Reverend Nat’s Cherry Cider at the bar during the picnic and fingers crossed you’ll win a gift card to visit the tap room!

We've got 3 gift cards to Reverend Nat's taproom! Stop in for a flight of hard cider, they have 12 on tap!  Don't forget to try some of the Sour Cherry cider we'll be serving at the picnic!

www.reverendnatshardcider.com

 

Thank you Dr. Mario and Shephard Clinic for being a consistent supporter of our raffle!

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Mario Tomaino supports our community in many ways, but primarily by keeping us healthy and pain free.  The Shephard Clinic has donated a very generous package that includes an office visit and consultation, X-rays if needed, 30 minute massage, and chiropractic adjustment - a $350 value!    

www.shephardchiro.com

Homeowner's Insurance Deductible Explained!

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How to Choose the Right Homeowners Insurance Deductible Explained

Homeowners insurance deductibles are an essential aspect of owning a home. With insurance owners select the amount of coverage they want to help protect their home and belongings, and the cost for this coverage is included in the monthly mortgage payment. While homeowners insurance is a common piece of the real estate puzzle, there are some components of the insurance coverage that are not so cut-and-dried.

The homeowners insurance deductible selected by the homeowner can change the financial responsibility of both the insurance company and the owner, as well as dictate the total cost of coverage over time. For these reasons, it is important to know how to choose the right homeowners insurance deductible from the start. Here’s what you need to know about your deductible.

Homeowners Insurance Deductibles

As part of each homeowners insurance policy, the insurance company offering coverage allows homeowners to select the deductible they prefer. A homeowners insurance deductible is the amount of money paid by the homeowner out of pocket when a claim is made. All other costs associated with a claim are paid by the insurance company, up to the policy’s limits.

To put a homeowners insurance deductible in real-life terms, think of it as the amount a homeowner must contribute to a financial loss due to fire, theft, or another disaster. For instance, if damage to the home took place and the insurance company estimated the repairs to cost $8,000, that amount would be covered by both the insurance company and you as the homeowner. With a $2,000 deductible, you would pay the first $2,000 related to the repairs and the insurance company picks up the remaining $6,000.

There are two types of homeowners insurance deductibles to be aware of as a homeowner. The first is a dollar-based deductible, which follows the example listed above. You select a dollar amount that you are comfortable paying from options provided by one of the best homeowners insurance companies.

The second type is a percentage-based deductible. With this option, you choose a percentage you are willing or able to pay should a claim be made against the policy; the insurance company pays for the remaining percentage of the claim. Homeowners pay the deductible, whether dollar- or percentage-based, each time a claim is filed for damage or loss.

Read Full Article: How to Choose the Right Homeowners Insurance Deductible Explained


Good people are hard to find in business, we've got 2 for you!

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We’d like to introduce Heather and James Roth to you and the Nurture Community! James and Heather just moved to Portland and were introduced to us by some close friends and community members. The Roths are currently looking for new career opportunities and we are hoping to make some connections through the power of our community! Bios below, but let me say that these people will be a blessing to anyone they work with. They are enthusiastic, kind, and so very interesting. Check out their amazing work history and life experience below. Thanks for spreading the word and keeping your ears open for any opportunities! Thanks, all!

Heather Roth is a woman who defines grit.  Originally from Brooklyn, NY, Heather graduated from Clark University in Worcester, MA with her degree in Government and International Relations.  After graduation she moved to Washington, DC to work on Capitol Hill for former New York Senator Daniel Patrick “Pat” Moynihan.After four years on Capitol Hill, Heather joined Share Our Strength, a non-profit, working to ending childhood hunger and poverty.  As a Program Manager for their national food and wine event, Taste of the Nation, she worked with hundreds of local volunteers in all aspects of event production from logistics, marketing, to corporate sponsorship.  In this role she was exposed to some of the nation’s best chefs and restaurateurs in the hospitality industry; inspiring her to make another leap – this time pursuing a career as a Pastry Chef. 

Heather was quickly recognized as a leader in the industry being named Rising Star Pastry Chef by StarChefs.  Over the next few years she went on to serve as pastry chef at several prominent restaurants in DC, including the famed Michel Richard Citronelle, received the award for Pastry Chef of the Year by the Restaurant Association of Metropolitan Washington and was named by Gayot as one of the top 5 pastry chefs in the nation.  In 2009, Heather would meet James Roth, and they would marry the following year.  2010 proved to be an exciting year, both personally and professionally, as she was selected participate in a new Bravo TV series, “Top Chef: Just Desserts.

As much joy as working in the kitchen brought her, over time Heather started thinking about her next step.  In 2011, Heather joined L’Academie de Cuisine, a prominent culinary school in the DC area, as Director of Career Services.  In this role she was able to put to use her skills in recruitment, placement and relationship building for students, and recent graduates, entering the culinary scene.

During this time Heather was often approached for specialty cake and dessert orders and decided to put a name to this “side hustle”; Wildflour Fine Baking Company was born.  In 2016, Heather and James moved to Florida to care for her ailing father.  While there Heather continued to do pop-ups and special orders through Wildflour as well as freelance food styling and visual merchandising.  After his passing, Heather and James embarked upon a cross country roadtrip to regroup and heal.  It was on this trip when they instantly fell in love with Portland and decided to relocate to the area.  Heather is currently seeking to put her cumulative strengths to use in Events, PR, Marketing or Human Resources. Heather is excited for this new chapter and the adventure that lays ahead.

James Roth is the embodiment of a creative thinker and entrepreneur.  Born and raised in West Hartford, CT, James is a graduate of University of Connecticut.  After college he moved to New York City to work on Wall Street at Bear Stearns.  After three years of trading, James stumbled on what would become a passion and inspiration for his future business, wine. Over the next five years James worked at Morrell & Company, as a wine auction specialist, while moonlighting at the Windows on the World Wine School assisting famed wine expert, Mr. Kevin Zraly. James would attend New York University to focus on his business plan, management and operational skills.

In 2007, equipped with a passion for wine education and entrepreneurship, James relocated to the Washington, DC area where he would later meet his wife, Heather, and open his business.  In 2008, he opened Red, White & Bleu, a gourmet wine, craft beer, farmstead cheese and small batch charcuterie retail and catering company.  The shop thrived through the great recession and gained recognition from several publications such as The Washington Post, Washingtonian, Northern Virginia Magazine, Culture Magazine and the Falls Church Press.  Through his approachable attitude, fun blog and newsletter, and contributions to Edible Chesapeake James quickly created a following of gourmet enthusiasts. Always searching for high quality and exciting new products, James was the first retailer in the Mid-Atlantic to introduce Portland’s Olympic Provisions and Hotlips’ sodas.

James continued his business education as a consultant; assisting in the launch of three restaurants within two years time.  When his father-in-law became ill, James and Heather temporarily moved to Florida.  In 2019, left the east coast and relocated to Portland. They are both optimistic about their new beginning, appreciative to be in a place that resonates with them.  James is currently looking to pursue a career in sales or marketing within the technology industry.


2019 - Q1 Real Estate Market Report

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Are you ready for this?! It’s the video you’ve been waiting for! All of your Portland real estate questions answered in a tidy little video from your trusted advisor, Eric Cavanaugh! If you’d like to discuss specifics of selling your home or the best way to take Eric’s advice to buy now before rates increase, don’t hesitate to call or email for a meeting. We’re never too busy to chat with you or your friends and family!

2019 - Q1 Market Report

Happy New Year! Exciting announcements for 2019!

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Happy New Year!  We miss you!  Lots to share with you about the upcoming year, including our new video editing skills!   We'd love to hear what you think and please respond with any suggestions for our class series on goals setting and financial planning.  Cheers to a prosperous 2019 full of great friends and growing together every day! <3

New Year Video