Ernest Fernandez
Ernest Fernandez

Louisville Real Estate Blog by Ernest Fernandez, Realtor®

6 Internet Safety Tips for Kids

6 Internet Safety Tips for Kids

Time at home during the COVID-19 pandemic has kids spending more time online for remote learning and socialization, especially on the days when outdoor activities aren’t an option.

With screen time increasing, you’ll want to make sure your little ones have a solid understanding of internet safety and why it matters. Keep your kids, tweens, and teens from engaging in risky online behaviors with these tips.

  1. Know What They’re Up To — Understand your kids’ Internet habits. Know what sites they visit for school and for fun, and talk to them if you see something unusual.
  1. Set Strong Passwords— Explain...

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Spread the Holiday Cheer

The holiday season may look and feel a little different this year, but that doesn’t mean the jolliness has to be left in the past. Keep the joyful spirit alive with these decor ideas, activities, and more seasonal fun that are as heartwarming as a cup of cocoa.



Make the most of being indoors by embracing what makes this time of year so special: decorating! Whether you’re someone who’s amped and ready the day after Thanksgiving or part of the late-decorating-tradition crowd, these ideas are sure to spark a bit more holiday cheer.

Focus on a minimalist aesthetic

If the thought of zeroing in on one specific look throughout your space seems boring, think again, because it can actually have the opposite effect. A pared-down aesthetic in every...

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Use the Power of Positive Thinking to Improve Your Life

Everyone has a choice to make when they wake up in the morning. Will today be a good day or a bad day? A “good day” all starts with positive thinking. A negative mindset translates into bad thoughts that will adversely affect our mood. But an optimistic mindset can be easily achieved. Here are some great tips to keep your mind happy and your thoughts positive!


The first step on the road to positive thinking begins with visualizing one’s wants in life and how to fulfill your goals. Keeping your goals in mind has been proven to contribute to a more successful life.

– Organizing a journal of all accomplishments, no matter the size, will give you a sense of fulfillment.

-Not only journaling accomplishments but also writing down goals and how you will go about achieving them, this gives your mind a road map and focuses your mind to follow through.

-At the risk of sounding cheesy, leaving motivational sticky notes for yourself around the house is a great way to keep spirits high. Quotes like, “if you can’t change your situation, change your attitude” – Maya Angelou, or “The pessimist sees the difficulty in every opportunity. The optimist sees the opportunity in every difficulty.” –Winston Churchill, are great for inspiration.

It’s okay to not be okay

Another part of positive thought is living mindfully and being conscious of your feelings. The key is to accept that not everything is going to go your way, which will produce negative emotions, but that is okay. Take the setbacks and learn from them. Rather than punishing yourself for making a mistake, turn something negative into a positive. Reframing your state of mind when you are plagued with negative thoughts...

A Surprising Shift to the ‘Burbs May Be on the Rise

A Surprising Shift to the ‘Burbs May Be on the Rise | MyKCM

While many people across the U.S. have traditionally enjoyed the perks of an urban lifestyle, some who live in more populated city limits today are beginning to rethink their current neighborhoods. Being in close proximity to everything from the grocery store to local entertainment is definitely a perk, especially if you can also walk to some of these hot spots and have a short commute to work. The trade-off, however, is that highly populated cities can lack access to open space, a yard, and other desirable features. These are the kinds of things you may miss when spending a lot of time at home. When it comes to social distancing, as we’ve experienced recently, the newest trend seems to be around re-evaluating a once-desired city lifestyle and trading it for suburban or rural living.

George Ratiu, Senior Economist at notes:

“With the re-opening of the economy scheduled to be cautious, the impact on consumer preferences will likely shift buying behavior…consumers...

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Will This Economic Crisis Have a V, U, or L-Shaped Recovery?

Will This Economic Crisis Have a V, U, or L-Shaped Recovery? | MyKCM

Many American businesses have been put on hold as the country deals with the worst pandemic in over one hundred years. As the states are deciding on the best strategy to slowly and safely reopen, the big question is: how long will it take the economy to fully recover? 

Let’s look at the possibilities. Here are the three types of recoveries that follow most economic slowdowns (the definitions are from the financial glossary at Market Business News):

  • V-shaped recovery: an economic period in which the economy experiences a sharp decline. However, it is also a brief period of decline. There is a clear bottom (called a trough by economists) which does not last long. Then there is a strong recovery.
  • U-shaped recovery: when the decline is more gradual, i.e., less severe. The recovery that follows starts off moderately and then picks up speed. The recovery could last 12-24 months.
  • L-shaped recovery: a steep economic decline followed by a long period with no growth. When an economy is in an L-shaped recovery, getting back to where it was before the decline will take years.

What type of recovery will we...

How Technology is Helping Buyers Navigate the Home Search Process

How Technology is Helping Buyers Navigate the Home Search Process [INFOGRAPHIC] | MyKCM

Some Highlights:

  • A recent survey revealed that buyers are still considering moving forward with the home buying process, even if they can’t see the home in-person.
  • While they still prefer to physically see a home, virtual home tours and accurate listing information top the list of tech specs buyers find most helpful in today’s process.
  • Let’s connect today to determine how technology can help power your home search.

Today’s Homebuyers Want Lower Prices. Sellers Disagree.

Today’s Homebuyers Want Lower Prices. Sellers Disagree. | MyKCM

The uncertainty the world faces today due to the COVID-19 pandemic is causing so many things to change. The way we interact, the way we do business, even the way we buy and sell real estate is changing. This is a moment in time that’s even sparking some buyers to search for a better deal on a home. Sellers, however, aren’t offering a discount these days; they’re holding steady on price.

According to the most recent NAR Flash Survey (a survey of real estate agents from across the country), agents were asked the following two questions:

1. “Have any of your sellers recently reduced their price to attract buyers?”

Their answer: 72% said their sellers have not lowered prices to attract buyers during this health crisis. 

2. “Are home buyers expecting lower prices now?”

Their answer: 63% of agents said their buyers were...

Think This Is a Housing Crisis? Think Again.

Think This Is a Housing Crisis? Think Again. | MyKCM

With all of the unanswered questions caused by COVID-19 and the economic slowdown we’re experiencing across the country today, many are asking if the housing market is in trouble. For those who remember 2008, it's logical to ask that question.

Many of us experienced financial hardships, lost homes, and were out of work during the Great Recession – the recession that started with a housing and mortgage crisis. Today, we face a very different challenge: an external health crisis that has caused a pause in much of the economy and a major shutdown of many parts of the country.

Let’s look at five things we know about today’s housing market that was different in 2008.

1. Appreciation

When we look at appreciation in the visual below, there’s a big difference between the 6 years prior to the housing crash and the most recent 6-year period of time. Leading up to the crash, we had much higher appreciation in this country than we see today. In fact, the highest level of appreciation most recently is below the lowest level we saw leading up to the crash. Prices have been rising lately, but not at the rate they were climbing back when we had runaway appreciation.


Recession? Yes. Housing Crash? No.

Recession? Yes. Housing Crash? No. | MyKCM

With over 90% of Americans now under a shelter-in-place order, many experts are warning that the American economy is heading toward a recession if it’s not in one already. What does that mean to the residential real estate market?

What is a recession? 

According to the National Bureau of Economic Research:

“A recession is a significant decline in economic activity spread across the economy, lasting more than a few months, normally visible in real GDP, real income, employment, industrial production, and wholesale-retail sales.”

COVID-19 hit the pause button on the American economy in the middle of March. Goldman Sachs, JP Morgan, and Morgan Stanley are all calling for a deep dive into the economy in the second quarter of this year. Though we may not yet be in a recession by the technical definition of the word today, most believe history will show we were in one from April to June.

Does that mean we’re headed for another housing crash?

Many fear a recession will mean a repeat of the housing crash that occurred during the Great Recession of 2006-2008. The past, however, shows us that most recessions...

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