by Tammy Murphy | Mar 31, 2026 | Belmont, BLOG, Buyers, Centerville, Clearcreek Township, Current Events, Estate Planning, Kettering, Miami Township, Miamisburg, Neighbor Chat, Networking, Oakwood, Oregon District, Real Estate News, Real Homes to Love, Sellers, Senior Living, South Park, Springboro, Sugarcreek Township, Washington Township, West Carrollton
🏡 Declutter to Dollars: Turns “Stuff” Into Cash…
Declutter to Dollars is a new service designed to help homeowners sell household items with less effort and less moving. Whether you are downsizing, right-sizing, or simply ready to clear space, this structured approach allows items to be sold in place, through a virtual storefront, or via a Pop-Up setting for smaller items—creating a more convenient and efficient way to transition.
If you’ve ever thought…
👉 “What am I going to do with everything in this house?”
👉 “I know there’s value here, but it feels overwhelming…”
You’re not alone.
One of the biggest challenges homeowners face—whether preparing for a move, downsizing, or simply reclaiming space—is not the home itself…
…it’s everything inside it.
That’s exactly why we created Declutter to Dollars.
This is a simple, structured way to:
✔ Turn unused household items into cash
✔ Clear space without the chaos of traditional sales
✔ Avoid last-minute stress before a move
As an added service through our brokerage, Declutter to Dollars fills a gap in the current market by offering a flexible, organized alternative to traditional consignment and resale. With options for in-home sales, virtual listings, and Pop-Up opportunities, this service is tailored to the type and volume of items—providing a customized approach that works for each client’s situation.
No crowds. No guessing. No overwhelm.
👉 You can preview how this works here: https://rh2l.com/declutter-to-dollars/
Preview our Inventory here: https://rh2l.com/store-items-available/
(This page is currently in testing and not yet linked on the main site—so you’re getting an early look.) AND YES, I welcome your FEEDBACK!!
💡 Why This Matters
Most people don’t realize how much value is sitting right in their home.
Furniture, décor, clothing, and everyday items can quickly add up—but without a plan, it often gets pushed aside or donated without a second thought.
Declutter to Dollars gives you a way to:
👉 Simplify your space
👉 Create extra cash
👉 Move forward with clarity
“Sell in place. Simplify your space. Move forward.”
🎯 SPECIAL OFFER
🎉 No Consignment Fees – Limited Time
To introduce this new service, I’m offering:
👉 NO consignment fees for the month
If you’ve been thinking about clearing things out, this is the perfect opportunity to try it—without added cost.
(In the future, this service will include a base setup fee and consignment structure—but for now, I’m opening this up to clients who want to take advantage early.)
📣 If You’re:
- Thinking about selling
- Downsizing
- Cleaning out a home or helping a family member
- Or just ready to reclaim your space
👉 Let’s talk.
I’ll help you create a simple plan to turn what you no longer need into something valuable.
Reply to this email or reach out directly to get started.
by Tammy Murphy | Jul 26, 2025 | Estate Planning, Neighbor Chat, Real Homes to Love, Sellers, Senior Living
Downsizing Sounds Simple — So Why Do So Many People Regret It?
When you hear the word “downsizing,” you probably picture something positive:
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A simpler lifestyle
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Lower bills
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Less to clean and manage
And sure — all of that can be true.
But here’s the thing no one talks about:
Downsizing is just as emotional — and sometimes more complicated — than moving into your first home.
Because it’s not just about square footage.
It’s about shifting your lifestyle, your priorities, and sometimes your identity.
The Real Cost of “Just Getting Out”
Many homeowners tell me they’re ready to “get out of this big house” or “finally let go of all this stuff.”
But when we dig deeper, what they’re really saying is:
“I’m not sure what comes next… and I just want someone to help me make sense of it.”
If that’s you — I hear you.
I’ve worked with dozens of clients who made quick downsizing decisions… and ended up regretting parts of the process they didn’t think to plan for. And the frustrating part? These regrets were 100% avoidable.
It’s Not Just a Move — It’s a Life Shift
Selling your longtime home isn’t just about packing boxes. It’s about:
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Releasing a version of your life that may have worked for decades
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Letting go of items tied to memories, not just utility
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Planning for health, energy, and lifestyle needs you haven’t even experienced yet
It’s not scary. But it does deserve some thoughtful prep.
Before You Sell, Watch This
I just recorded a quick 3-minute video that breaks down the three biggest regrets people have when they downsize too soon. It’s short, direct, and based on real-life stories I’ve seen over and over again.
Watch VIDEO here:
Even if you’re just thinking about downsizing — you’ll be glad you saw this first.
Grab the Free Checklist That Goes With It
To help you take the next step — with clarity — I’ve created a Downsizer Readiness Checklist. It covers the emotional, financial, and logistical parts of this process that most people overlook.
✅ Know what to keep, donate, or toss
✅ Think through your health and aging needs
✅ Avoid financial surprises
✅ Make the move with purpose, not panic
Download the checklist here
You Deserve to Downsize With Confidence
If you’ve outgrown your current space — or it’s outgrown you — you deserve a next home that supports your lifestyle and your peace of mind.
And you don’t have to figure it out alone.
Let’s talk through your options — no pressure, just a real conversation about what’s right for you.
Call or Text Tammy at 937-838-0997
Or email me directly at [email protected]
by Tammy Murphy | May 28, 2025 | BLOG, Estate Planning, Neighbor Chat, Real Estate News, Real Homes to Love, Senior Living
Understanding Dementia: How to Identify the Early Signs and Keep Your Loved One Safe at Home
When you begin to notice small changes in the behavior or memory of a loved one, it can be difficult to know whether these are simply signs of aging or something more. Dementia, particularly in its early stages, can often be subtle, and as a family caregiver, it can be overwhelming to navigate these concerns. While it’s natural to wonder if the changes are related to dementia or another condition, understanding the early warning signs and knowing what you can do to ensure the safety and comfort of your loved one at home can help ease the uncertainty.
What is Dementia?
Dementia is an umbrella term for a group of symptoms that affect memory, thinking, and social abilities, severely impacting a person’s daily functioning. Alzheimer’s disease is the most common cause of dementia, but other conditions, such as vascular dementia, Lewy body dementia, and frontotemporal dementia, can also cause similar symptoms.
Early Signs of Dementia: What to Look For
The early stages of dementia can be subtle, often involving small memory lapses or changes in behavior that may be hard to differentiate from typical age-related changes. However, there are some key signs to watch for:
- Memory Loss: Forgetting recently learned information, important dates, or appointments. Family members may also notice a person frequently asking the same questions.
- Difficulty Planning or Solving Problems: Struggling with tasks that require concentration, such as balancing a checkbook or following a recipe.
- Confusion with Time or Place: Becoming disoriented about dates, seasons, or locations.
- Decreased Judgment or Decision-Making: Making poor decisions, such as leaving the house in inappropriate clothing or handling money recklessly.
- Withdrawal from Social Activities: A person may become more withdrawn or lose interest in hobbies, work, or socializing with others.
- Mood and Personality Changes: Feeling confused, depressed, anxious, or fearful, and experiencing rapid mood swings.
Creating a Safe Home Environment
For family caregivers, one of the most important things to address when caring for a loved one in the early stages of dementia is home safety. Dementia-related changes in memory, judgment, and perception can make the home a hazardous place, but with careful planning, you can minimize risks while allowing your loved one to age in place.
Here are some precautions you can take to make your home safer:
- Remove Clutter: Clear away tripping hazards like loose rugs, electrical cords, or clutter that could cause falls.
- Install Grab Bars: In the bathroom, add grab bars next to the toilet and in the shower to prevent falls.
- Label Household Items: Use labels or signs for rooms, cabinets, and drawers to help your loved one identify where things are.
- Use Timers and Reminders: Set up automatic timers on lights and appliances to help manage the home’s routines and avoid leaving appliances on.
- Create a Calm, Familiar Environment: Keep the layout of the home as simple and predictable as possible to help reduce confusion. Familiar items, like family photographs, can provide comfort.
Getting Help: The Alzheimer’s Association of the Greater Miami Valley
As a family caregiver, you don’t have to navigate the challenges of dementia alone. The Alzheimer’s Association of the Greater Miami Valley is here to provide support, resources, and guidance as you care for your loved one. From educational materials to support groups, they offer valuable services that can help you better understand dementia and provide the assistance needed to maintain your loved one’s quality of life.
Here are some of the ways the Alzheimer’s Association can help:
- Caregiver Support: Connect with other caregivers who understand the challenges you’re facing, and receive guidance on managing daily care.
- Education & Resources: Gain access to information on dementia care techniques, safety tips, and medical care.
- 24/7 Helpline: Call the Alzheimer’s Association’s free, confidential helpline to speak with trained specialists who can answer your questions and provide advice on care options. 800-272-3900
Take Action Today: Join Us for Our Special Episode on June 1st
If you’re looking for more detailed guidance on caring for a loved one with dementia, we invite you to join us on June 1st for a special episode dedicated to aging in place and dementia care. We will explore practical tips, safety strategies, and resources to help you navigate the challenges of dementia caregiving while ensuring that your loved one remains as independent and comfortable as possible.
Don’t wait for the signs to become more pronounced—taking early action can make a world of difference for both you and your loved one. Join us on June 1st to learn more and connect with others facing similar challenges.
PLAN now to watch our next episode on June 3rd and get the support you need to care for those you love. Together, we can make sure that they age with grace and dignity, no matter what stage of dementia they are in.
by Tammy Murphy | Oct 28, 2024 | BLOG, Current Events, Neighbor Chat, Networking, Real Estate News, Real Homes to Love, Senior Living
As we dive deeper into the intricacies of property taxes, it’s essential to reflect on the broader implications of these increases beyond just the numbers on a tax bill. For many homeowners, especially those on fixed incomes, these rising costs can mean tough choices: deciding between making necessary home repairs or paying that ever-increasing tax bill.
So, what’s next for homeowners in Montgomery County? With the potential legislative changes on the horizon, there is a glimmer of hope. The proposed increase to the Homestead Exemption could provide much-needed relief, particularly for our elderly neighbors and those facing financial hardships. However, the question remains: will these changes be enacted swiftly enough to make a meaningful impact?
During our discussion with John McManus, it was refreshing to hear his insights not just as a treasurer but as a fellow community member. He highlighted the importance of transparency in how tax dollars are spent and the need for ongoing dialogue between local government and residents. “It’s not just about collecting taxes; it’s about ensuring that our community feels the benefit of those funds,” he emphasized.
This sentiment resonates deeply with many residents who feel disconnected from the decisions that affect their wallets. How can we bridge that gap? Engaging in community forums, reaching out to local representatives, and voicing our concerns can empower us as constituents. John reminded us that our collective voice has the power to drive change. As homeowners, we must remain vigilant and proactive, ensuring our interests are represented in these legislative discussions.
Moreover, as we navigate these challenging times, it’s crucial to explore ways to mitigate the impact of rising property taxes. Have you considered a property tax appeal? While it might seem daunting, many homeowners have successfully challenged their tax assessments with the right information and support. It’s worth investigating, especially if you believe your home’s valuation does not reflect current market conditions.
In conclusion, while property taxes may seem like an unavoidable reality, they don’t have to be a source of frustration. By staying informed, engaging with local leaders, and exploring available resources, we can work together to find solutions that benefit our community. Let’s continue this conversation—after all, it’s our community, and we all have a stake in its future.
Together, let’s advocate for change and support one another through these challenges!
by Tammy Murphy | May 27, 2024 | BLOG, Buyers, Current Events, Neighbor Chat, Networking, Real Estate News, Real Homes to Love, Sellers, Senior Living
A topic that is on everyone’s mind and in the middle of a lot of discussion is about Property Taxes, so “Let’s Talk About Property Taxes” here in the Montgomery County / Dayton Ohio Region specifically… We know (or have heard) that the increases seen this past year due to the continued uptick in the Seller’s Market – has netted about a 34% INCREASE in property tax basis. What does that mean for the average homeowner? Higher Property Taxes, of course. Now that increase you pay isn’t 34% but it is HIGHER and with no real legislation or “control” in place – OHIO is one of the states that this tax can continue to be a burden and negative impact on the future of properties – if not addressed!
Our State Legislation currently has at least 5 bills under consideration – to address Property Taxes. From raising the Homestead Exemption from its current $25,000-$38,000 to a HIGHER AMOUNT; to restricting the amount of increase for those who are Elderly or Disabled or Fixed Income; to potentially a hybrid version that combines a little of all the bills to one. EITHER WAY YOU SLICE IT – People are being TAXED higher than they see the value necessary – and with continued ballot votes that offer LEVY and ASSESSMENTS that can ADD to the Property Taxes, people are just fed up.
This was the perfect time to have our guest speaker, John McManus, the Montgomery County Treasurer, on our recent podcast The Real-Tea – and was he an enjoyable treat to share! His view and perspective on things is coming from a place of “the people” and to hear that he UNDERSTANDS our perspective and feels the PINCH with us, was a welcome and unexpected benefit. I don’t know about you – but having someone in this position who understands and can relate to the plight of the people is certainly advantageous! I say we keep him in the position for a few more terms!?
Take a listen / look at our podcast – there was so much information we had to do a second episode – so don’t miss that one either!
https://youtu.be/U1aT_0Oenx0
https://youtu.be/lSq9D0f3hIQ
Here’s a few of the tidbit details you may want to check out as well:
Do you know how much of your property tax goes to the school district?? 60% ! And levies can either increase or decrease additional funds for this purpose: New levies are making an INCREASE, or a RENEWAL is keeping the level as current. Montgomery County receives 2-4 %
Depending on your property location, the following ALSO receive a portion of your property taxes: Cities, Townships, Parks and Recreation, Emergency Services, Human Services, and Schools including Sinclair and / or Miami Valley Career Tech.
To see what YOUR property tax goes to cover specifically:
- Go to www.mcauditor.org
- Click on Property Search (proceed to site)
- Search By Address (enter your property address as directed)
- Select the Parcel for your property.
On the left side bar – Select the LEVEY DISTRIBUTION and you will see the breakdown of where your property taxes are being distributed.
BEWARE OF SCAMS:
County Recorder’s Office: Fraud Alert Notification System: Recordings filed against your property will be an immediate notification to you so that you can QUICKLY see if there is fraudulent activity against your property.
Sign up for this FREE SERVICE @ https://go.mcohio.org/applications/recorder/fraud/
County Auditor’s Office: Buy with Confidence – a program to offer homebuyers information and resources to avoid being taken advantage of when buying property. https://www.mcohio.org/1480/Buy-With-Confidence
DON’T BUY HOUSES OF FACEBOOK MARKETPLACE or CRAIGSLIST without doing your DUE DILIGENCE TO VERIFY!
John’s passion project is with Financial Literacy for Adults and Children… This is a FREE Program that can be arranged to present information and education on understanding money / budget and financial planning. Contact the County Offices at 937-225-4010 to schedule.
by Tammy Murphy | May 14, 2024 | BLOG, Current Events, Estate Planning, Facing Foreclosure, Neighbor Chat, Networking, Podcast, Real Estate News, Real Homes to Love, Sellers, Senior Living, Short Sale
Reverse Mortgages: Unveiling Insights and Pitfalls… At first glance, Reverse Mortgages may seem like a beneficial financial option, especially for seniors looking to tap into their home equity. However, our episode uncovers the hidden complexities and potential risks associated with these arrangements. Through a detailed analysis and invaluable insights, we empower you with a deeper understanding of Reverse Mortgages.
Our mission is clear: to equip you with the knowledge necessary to make informed decisions. By dissecting the intricacies of Reverse Mortgages, we provide you with the tools to navigate this financial option with confidence and clarity. Whether you’re considering a Reverse Mortgage or simply curious about its implications, this episode is a must-listen.
Join us as we unravel the mysteries surrounding Reverse Mortgages and offer practical advice to help you avoid common pitfalls. By staying informed and aware, you can protect yourself and your assets while making sound financial choices for the future.
Tune in to our podcast episode and gain a deeper understanding of Reverse Mortgages. Don’t let the allure of quick cash overshadow the importance of due diligence and informed decision-making. Your financial well-being is paramount, and we’re here to guide you every step of the way.
** This episode is dedicated to Mildred Elrod, mother of Tammy Lilly, and the subject case of today’s topic. Her passing in December of 2023 brought to light not only the issues of a Reverse Mortgage; but it spotlights the unconscionable preying on our seniors. From their real estate holdings to potential inheritance by family; the government’s insatiable appetite to misrepresent a “solution” that ultimately is a scheme to deteriorate what should be the people’s rights of ownership, wealth accumulation and future generation of wealth inheritance. **
You Tube: https://youtu.be/yrZUlpTG7fo
Spotify: https://podcasters.spotify.com/pod/show/real-homes-to-love/episodes/The-Real-Tea-SPECIAL-Episode-on-Reverse-Mortgages-e2im43i
