From Dennis and Jane Guertin | Guertin Family Realty | (952) 442-1300 |
It's a mix of fun and serious this month, with some creative Fall decorating ideas and an important update from the world of credit security. (More fallout from the massive Equifax security breach last year, but this time it's good news.)
Dennis and Jane Guertin
(952) 442-1300 Direct

 Natural Fall Decorating Ideas

With Fall in full swing and the Thanksgiving holiday season approaching, here are three creative and simple ways to spruce up your decor using elements from Nature.

Floral Pumpkin Centerpiece

The sky's the limit when it comes to what types of flowers, berries, and twigs you can use for this decor. Making these is an easy project that's fun for kids as well.

The Southern Living website has a good tutorial on how to do this with a lighter colored "Fairytale" pumpkin, for a more elegant look -  click here to see it.

Using Bird Seed In Clear Flower Vases

Who knew that bird seed was fashionable? Better Homes and Gardens shows a great example of how you can use bird seed as a filler to anchor dried flowers in a clear glass vaseClick here to see the photo on the Better Homes and Gardens website.

Another perk: Once you're done with the decor, the vase contents provide a nice meal for the neighborhood birds. :)

Candles Decorated with Cinnamon Sticks or Corn Husks


A quick way to spruce up simple decor is to decorate candles with sticks of cinnamon or colorful corn husks. (For corn husks it's best to use a candle that's in a glass container.) This is another activity that's easy and fun for kids.  Click here to see a nice example of the corn husk version from Midwest Living.

More Fall Decor Ideas

You'll find some unique Fall decor suggestions in the  "High Style, Low Budget: Thanksgiving Table Decorating" article on The Budget Decorator website.

 A New Law Makes Freezing Your Credit Easy


One year after the massive Equifax security breach, it's finally free and easy for consumers to freeze and unfreeze their credit at the three main credit bureaus. A law went into effect last month requiring them to freeze your credit within one business day of when you request it, and to stop the freeze within one hour after you ask them to end it.

Also called a "security" freeze, a credit freeze means that no one, not even you, can access your credit report. They are now free for everyone, including children under 16 and people for whom you have guardianship or power of attorney.

Freezes need to be requested separately from  ExperianTransUnion, and  Equifax. (Those links go to the correct page at each bureau.)

Tip:  A freeze is not the same as a "credit lock", which may incur monthly fees.

What Is a Fraud Alert?

A fraud alert is less restrictive, and simply tells businesses that run your credit to check with you before opening a new account. Under the new law, fraud alerts last for one year before they need to be renewed

Unlike a freeze, you only need to request a fraud alert from one credit bureau in order to have it set up with all three.

You can read more about freezes and alerts in this Federal Trade Commission article.

What the lawyers make us say: The information here is not presented as expert legal or financial advice. Please use your best judgment and consult professionals when necessary.
Recent Market Highlights

- U.S. home prices rose 6.0 percent year-to-year in July, according to a recent S&P/Case-Shiller report.  They rose 5.5 percent year-to-year in August,  according to CoreLogic, a data and analytics company.

- The national average 30-year fixed mortgage rate is in the 4.75 percent range.

The August Pending Home Sales Index decreased 2.3 percent year-to-year, according to the National Association of Realtors®.
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Links that Make Life Easier

Sometimes real estate-related, sometimes not... these are assorted links that come in handy:

14 Quick and Easy Pumpkin Decorating Ideas
Grab some artistic inspiration from these very creatively decorated pumpkins.

An easy-to-use file sharing service that allows you to send up to 2 GB for free without setting up an account.

Best Ground Beef Chili
A freezer-friendly meal that's great for potlucks or just warming up on a chilly day.

The Lighter Side


If you've ever watched someone overreact to something new, you'll relate to this comical video of an emu experiencing a sprinkler for the first time. Talk about some fancy moves!

Click here or on the image above to watch the video on the family-friendly Fluff Society's Twitter page. (You do not need a Twitter account to view the video.)

Your Resource for Real Estate
Are you thinking of buying or selling a home in the next year, or could you use some remodeling advice? Even if you just need the name of a good service provider, please remember that we're always here to help you. We welcome the opportunity to serve you, your friends and associates with our expertise and recommendations.

Please give us a call today at (952) 442-1300 if we can be of assistance!
Have a great day,

Dennis and Jane Guertin
Broker/Owner, REALTOR®, SFR, CBR, e-PRO, GRI, BA
Guertin Family Realty

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Guertin Family Realty | 71 Point Drive | Waconia | MN | 55387