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Dorothy B. "Dot" Rhone
Century 21 Covered Bridges Realty, Inc.

ABR, CRS, CRB, GRI, e-PRO, SRS, SFR, One America
Office:  570-784-2821 x 19
Cell and Text: 570-204-0279
Email: Dot@DotRhone.com
Licensed in PA # RM421649

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Welcome to the premier resource for all real estate information and services in the area!  I am Dorothy B. "Dot" Rhone, Broker/Owner of Century 21 Covered Bridges Realty, Inc. in Bloomsburg, PA.  I hope you enjoy your visit and explore everything my website has to offer!  Here you will find everything you need to know when buying or selling a property in Columbia, Montour, or lower Luzerne county in Pennsylvania in one place!  To get familiar with our local real estate values, here you can view all the current homes on the market in our multiple listing service, as well as see properties that have recently sold. 

Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of all available properties in the area, or use my Dream Home Finder form and I'll conduct a personalized search for you.

If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home.  

Whether the circumstance is marriage, a new job, a growing family or retirement, most people move as a result of a major life change.  This is a potentially stressful and exhilarating time for a buyer or seller.  Buyers and sellers need a trusted friend in the real estate process, “Because Life Changes.”  I am responsible for guiding them through the details of the technical and, at times, emotional side of their real estate transaction, give them all the facts, then let them make the decision that works best for their lifestyle.  Ultimately, they ask me to help them manage this major change for them—to be their “Agent of Change.”   With 30 years experience, I am ready to help!  Contact Dot Rhone today!


Testimonials Page

My wife and I were real estate novices before buying our first home. After 20 minutes with Dot we knew everything we needed to know! She was professional, helpful, patient, and an excellent advocate when the seller was not acting in our interest. At every stop along the way to homeownership Dot thoroughly explained our options, and every referral she offered us, from mortgage broker to inspection company, was as professional and thorough as she was. We are truly grateful that we had Dot on our team! Mike and Eleanor Vogt
While Dot was handling my home purchase here in Columbia County my mom was selling her home in Snyder County with another agent from a different realty company. I was in the unique position to compare my experience with Dot to that of my mom's with another agent. My mom's experience was a nightmare for her. I came very quickly to appreciate Dot's consummate professionalism, strong sense of values and ethical conduct, knowledge and expertise, and genuine care for me as a client. I will never live to see the day when I can thank Dot enough for helping me sail through the purchase of my first home with ease and peace of mind. She is the best, in my opinion! Matthew Swinehart
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Real Estate News!!!

Latest Realty News from NAR

Improvements for Independence: Make Your Home More Accessible

(Family Features)—Being safe and comfortable at home is a large part of living well. Home modifications and repairs can help everyone, especially older adults and people with disabilities, maintain an independent lifestyle and prevent accidents.

Many older adults prefer to stay at home for as long as possible, but too often don’t think about whether their homes will meet their needs as they age. Making improvements for independence before they are needed is a good way to ensure that a home is ready for aging in place. Forward-thinking improvements may also help prevent falls, which often cause the need for long-term care.

Many changes, such as adding grab bars in bathrooms, can be done without a major redesign or full-blown renovation. Depending on your circumstance, it may also make sense to consider things like widening doorways and lowering countertop heights for someone who uses a wheelchair.

Here’s how you can get started:

Home Assessment
Before making any changes, assess the entire home. This checklist can help identify areas that might need improvement. Everyone has different needs, but in general, a “no” answer may be cause for action.

  • Are exterior walkways and entrances well-lit?
  • Is there a step-free entrance to the home?
  • Are entrance doors easy to lock, unlock, open and close?
  • Does the main floor include a kitchen, bedroom and full bathroom?
  • Are doorways wide enough for someone using a wheelchair, walker or service animal?
  • Are hallways, staircases, bathrooms and the kitchen well-lit?
  • Is wall-to-wall carpeting secure and in good condition?
  • Are area rugs secured to the floor with grips?
  • Are walkways free from obstructions and hazards like cords and furniture?
  • Do stairways have sturdy handrails on both sides?
  • Can bathroom and kitchen cabinets be easily reached?
  • Is there a step-free shower entrance?
  • Are grab bars available in or near the shower and toilet?
  • Do showers have non-slip mats or adhesive strips?
  • Will smoke detectors provide visual as well as audio alerts?
  • Are telephones and emergency supplies easily accessible on all floors?

Cost and Contractors
Minor improvements can cost between $150-$2,000, and major renovation costs vary depending on the job. However, many contractors offer reduced rates or sliding scale fees based on income and ability to pay. Public and private financing options may also be available.

If hiring a professional, remember to get a written agreement with specific tasks, a timeline and cost estimate. Make sure the contractor is licensed, bonded and insured for the specific type of work.

More information about home modifications, including financial assistance, can be found at eldercare.gov.

Source: Administration for Community Living

For the latest real estate news and trends, bookmark RISMedia.com.

The post Improvements for Independence: Make Your Home More Accessible appeared first on RISMedia.

The Best Way to Invest Money You May Not Ever Need

(TNS)—Having money sitting in an individual retirement account that you won’t need to spend anytime soon—or maybe you’ll never want to spend—is a First World retirement problem.

Yet financial advisers have answers for the well-heeled retirees who find themselves in this fortunate situation.

If you are in that lucky group, consider these strategies on the best way to invest with your IRA or other retirement accounts when you don’t really need the money.

Take a Bigger Risk
If your primary goal is maximizing what you leave behind to your heirs or charity, you have more freedom than most.

If you don’t need the money right away, you can be more aggressive with your investing, says Jamie Hopkins, a professor at The American College of Financial Services and co-director of the New York Life Center for Retirement Income.

While the conventional wisdom for retired investors is to stick to a mix of about 60 percent bonds and 40 percent equities, if you won’t need to spend the money, Hopkins advises putting 80 percent in stocks and 20 percent in bonds.

If your money is in a target-date fund with a target set at the year you retired or were scheduled to retire, at this point it is probably mostly invested in bonds. If you like the set-it-and-forget aspect of a target-date fund, Hopkins suggests that you simply move your money to a target date 2050 fund, which will have a bigger allocation to stocks.

Consider a Roth Rollover
Beginning at age 70, the IRS requires you to take required minimum distributions, or RMDs, from your traditional IRA and pay taxes on the money. Instead, consider converting your traditional IRA to Roth IRA, on which RMDs aren’t required.

Do it over a five- to eight-year period, says certified financial planner Leon LaBrecque, CEO of LJPR Financial Advisors in the Detroit area. “You’ll still owe the IRS taxes when you convert, but you’ll have more strategies to manage—and lower—the bill.”

If a Roth conversion doesn’t seem like the right idea for you, LaBrecque suggests that you ask your accountant to estimate how much you’ll owe in RMDs over the next five to 10 years and invest that amount conservatively, so you’ll have it when you need it. Then you can safely be more aggressive with the remainder.

“After you have dedicated money to the RMD, I’d invest the rest in equities,” LaBrecque says.

Choose a QLAC
Qualified longevity annuity contracts, or QLACs, can be purchased within an IRA or other tax-advantaged retirement fund. These are a type of deferred annuity that will provide you with a regular income later in retirement. You don’t have to start taking the money until you are 85, and, in the meantime, the amount used to purchase the QLAC is sheltered from RMDs.

“I like them,” says Hopkins. “Put $125,000 (the maximum allowed by the IRS) in a QLAC, and you are protected from RMDs for the next 15 or 20 years (until you turn 85).”

What if you don’t make it to age 85? “Buy it with a return of premium so if you die earlier than expected, your heirs get the money back. It’s a good longevity hedge,” Hopkins says.

The return on investment isn’t great, he adds, but wealthy people tend to live longer than others, making it a better investment for them.

Think Really Long-Term
When determining the best way to invest money you don’t think you’ll need, consider the risks that everyone else needs to worry about: inflation and longevity.

“You might be retired for longer than 30 years,” says Maura Cassidy, vice president of Retirement at Fidelity Investments. “You have to keep ahead of it; you need inflation coverage.”

In other words, someday you may need that money. Cassidy says that while you might invest less cautiously than some people whose margins are thinner, you shouldn’t go crazy.

If you have more than you need, consider delaying the day when you invest more conservatively, she says.

“Our research indicates that retirees should be at 60 percent bonds, 40 percent stock allocation at age 65. That’s a good allocation for 15 or 20 years. Then you should sell off even more equities, so that by the time you are 80, you’re at 80 percent bonds and 20 percent equities.”

But if at age 80, you still don’t need the money, she says, “Slow it down. You might wait until age 90 to go to 20 percent equities.”

Visit Bankrate online at www.bankrate.com.

©2017 Bankrate.com
Distributed by Tribune Content Agency, LLC

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Tips That Can Prepare You for Bringing a Puppy Home

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

Bringing home a puppy is exciting because he becomes a new member of the family, but raising one is hard work, so the whole family needs to pitch in and do their part. The new puppy needs to be fed, walked, bathed and more.

You’ll need to make sure each family member knows his or her job to help out. Plus, you’ll want to follow a few more tips to keep your puppy healthy and your home safe from any potential damage. This includes supplies to buy beforehand.

General Puppy Supplies
You’ll need to have some supplies on hand when the puppy comes home, such as:

  1. Crate
    Why is a crate important? The crate not only serves as a safe place for the puppy at night, but it can also help with the house and behavioral training. Learn more about crate training, so you’ll get the best use from this important tool.
  1. Leash
    Your puppy needs a leash for walks, but what type is best? A good start is buying a lightweight but strong leash at least 10 feet long. You can buy a longer leash as the puppy grows.

Use the leash to train your puppy to come back when called and obey commands when on walks.

  1. Food and Water Bowls
    You may think a bowl is just a bowl, but there are some things to consider. Plastic bowls often become chew toys. The chew marks left on the bowl can harbor bacteria that can make your puppy sick. Find a bowl that is dishwasher safe and chew-proof.

The shape of the bowl matters, too. Learn more about what shape is best based on the type of dog you’re bringing home.

  1. Toys
    Choosing safe toys for your puppy can get confusing. Keep in mind that puppies are aggressive chewers, and any toy he can tear into pieces becomes a choking hazard. Learn to recognize unsafe toys.

Care Supplies
You’ll also need several different supplies to specifically care for and keep your puppy healthy. Keep in mind the following:

  1. Bath Care
    Bath time can be stressful for both puppy and pet parent, and there are many things to consider. Should you bathe your dog in a sink or tub? Should towel dry or air dry?

Take some time to learn the best options for bathing your dog at home to avoid causing your puppy the anxiety of going to a groomer. As a bonus, this can serve as a great bonding time for you two!

  1. Puppy Pen
    Part of puppy care is making sure your pet gets enough exercise so he’s strong and healthy. If you don’t have a fenced area for him to run, consider a puppy pen that allows a little freedom to run outdoors.

A long line and tether can also be helpful to allow your dog room to run while remaining safe and confined to a certain area.

  1. Flea/Tick Treatments
    If you plan to take care of the pests yourself, you should take the time to learn about your options in flea and tick treatments for puppies. These treatments aren’t recommended until puppies are of a certain age, so make sure you know when and how to use these products safely.

House Rules
The house rules are for the family to follow. This way you know that each person understands what their responsibilities are to care for the new addition to the family:

  • Who will feed the puppy?
  • Is the puppy allowed on the furniture?
  • Who is in charge of training?
  • What correction is needed when the puppy makes mistakes?
  • Where will the puppy be during the day, and who in in charge?
  • Who takes the puppy for walks and where?
  • Where will the new puppy sleep?

Setting rules are the best way to ensure your routine is followed, so the puppy is cared for and learns to obey.

Puppies grow up to be loved family members, so it’s important to be prepared to care for your furry friend properly. Working as a team, the whole family can help make sure your new puppy is healthy and happy.

For the latest real estate news and trends, bookmark RISMedia.com.

The post Tips That Can Prepare You for Bringing a Puppy Home appeared first on RISMedia.

How to Give Your Bathroom a Tropical Vibe

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

Looking to redo your bathroom? Adding a tropical twist is all the rage these days. From lush houseplants to rich hues, now you can have a mini vacation every time you use the toilet. Here are a few tips to boost your island vibes.

Lush Plant Life
The No. 1 tip for a tropical vibe in your bathroom is to add indoor plants. Whether you train a creeping vine to travel across the wall or tuck a potted philodendron into the corner, plant life is key for that jungle vibe. Try lining succulents along the window, a rubber tree on the floor, or even add an orchid or shade-loving fern to your shower.

Natural Colors
For cabinetry, choose a rich brown to pair with your white walls and lush flora. Try a natural slate floor or slate tiles for your bathtub or shower.

Clean lines and open space are popular with tropical-themed bathrooms. Tuck toiletries into the cabinets and leave the walls bare. The only thing you can’t have too much of in a tropical bathroom is tropical plants.

Need more tropical bathroom inspo? Turn to Pinterest, of course!

Zoe Eisenberg is RISMedia’s senior content editor. Email her your real estate news ideas at zoe@rismedia.com.

For the latest real estate news and trends, bookmark RISMedia.com.

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