Check our our July Magazine. Filled with Current Listings, Recipes, Home Tips, and more! Give The Payne Team a call 410-936-0055
PAYNE TEAM
REAL ESTATE OF COLDWELL BANKER REALTY
Issue 10
CURRENT LISTINGS, RECIPES, HOME TIPS, AND MORE
The Payne Team RE Direct: (410) 936-0055 Office: (410) 543-4545 ThePayneTeamRE.com
INSIDE THE JULY ISSUE!
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We Specialize in Single Family Homes Unimproved Land Commercial Properties Poultry Farms & More!
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The Payne Team understands that your real estate needs are among the largest financial decisions you will make in your life. We take that responsibility to heart going the extra mile to ensure a smooth transaction. The Payne Team prides themselves with providing top notch real estate representation for our clients. We are local real estate experts specializing in residential, commercial, farms, and unimproved land. Having come together as a team in 2021 it didn't take long for The Payne Team to have an impact on the local real estate community. We have been constantly a Top 20 Performer in the Mid-Atlantic region for Coldwell Banker. The Payne Team was, also, a Finalist in Coastal Style magazine as the Best Real Estate Team in Wicomico County.
Rob Payne Team Lead-REALTOR
Angela Payne REALTOR
Rachael Fritts Marketing Mgr/Admin
Ryan Basch REALTOR
Aaron Bergeron REALTOR
SCENES THE
BEHIND
Rachael Fritts DESIGNER AND EDITOR
Rachael graduated from Regent University with a Degree in Business Marketing in 2021. She has been with The Payne Team as a Marketing Manager since 2019.
Shawn Hunt LOAN OFFICER-THE HUNT TEAM
SVP, Area Manager NMLS ID# 1098459 M: (443) 783-0910
shunt@cmghomeloans.com www.HuntTeamMortgage.com CMG Home Loans | NMLS ID# 1820
Ryan Basch REALTOR & MARKET ANALYST Ryan holds a degree in Mechanical Engineering from the University of Delaware. He transitioned to real estate in 2021 to join the family business after 17 years in various technical and business leadership roles with multi-national companies.
BUDGET FOR A HOUSE BERRY ICEBOX CAKE CMG HOME LOANS DIY PATRIOTIC TIE DYE RECENTLY SOLD PUZZLES CALENDAR CONTENTS
MARKET INSIGHT FEATURED LISTINGS BBQ CHICKEN SANDWICH REVIEWS
HANDYMAN HOW-TO CURRENT LISTINGS 4TH OF JULY SAFETY
Scan the QR Code for our FREE First-Time Home Buyer guide! Filled with everything you need to know
about the home buying process & how to get pre-approved!
MARKET INSIGHTS APPLYING DATA SCIENCE TO BETTER UNDERSTAND OUR LOCAL MARKET Despite rising inventory, prices continue to march higher. Demand shows no signs of slowing down even in the face of stubborn interest rates, so we are poised for an interesting summer ahead.
All transaction data & data visualizations are based on information from Bright MLS for the period 1/1/2018 to 5/31/2023 Unless otherwise noted, data includes “Active” or “Closed” transactions from Wicomico, Worcester, Somerset, Dorchester and Sussex Counties
AVERAGE SOLD PRICE Average pricing in our area is up for the 6th consecutive month.
Remarkably, the average price YTD is up 55% compared to the same period in 2018. Worcester, Wicomico and Dorchester saw gains on average in pricing. The average price in Dorchester soared in May spurred by a few luxury waterfront sales. Sussex and Somerset saw declines, but fairly small and not enough to shift the overall market trend.
# OF HOMES SOLD
May sales rebounded after a fairly weak April with a similar number of homes sold to May'22. Overall, 2023 is still off the pace of 2022 by about 25%
Active listings continued to grow through May and the beginning of June. INVENTORY
Not surprisingly, a primary driver of this inventory is the increase in activity for coastal vacation and resort properties being listed for sale as we enter summer. HOW ARE BUYERS PAYING FOR THEIR HOME?
CONVENTIONAL IS KING
Across all five counties this year, exactly half of buyers purchased their home with a Conventional loan. Over 1/3 of purchases were Cash, and as we will see below, the coastal and second home markets influence this heavily. Government-backed loans (i.e. FHA, VA, USDA) make up just 12% of total loans. That doesn’t mean it’s a deal-breaker if that is the best fit for your situation. With some of the recent changes to FHA rules, FHA loans have seen some fee reductions and favorable interest rates, so be sure to consider all options with your lender.
WICOMICO COUNTY
WORCHESTER COUNTY Worcester is a different market with condos making up about half of the sales. And 95% of condo sales are cash or conventional. And FHA loans are only 2% compared to 22% in Wicomico.
In Wicomico, where the bulk of sales are for primary residences, government- backed loans, especially FHA, are much more common. Cash is still used in 1 out of 4 sales.
Thanks for reading this month's Market Insights. As always, my inbox is open for questions! Any real estate market question is welcome - Reach me at 443-614-4327 or email me Ryan.payneteam@gmail.com
Featured Listing
4725 Tyaskin Rd. Tyaskin MD. 21865 4 BD 2.5 BTH 3,321 SQFT OFFERED AT $429,900
Still time to be moved in to enjoy summer activities! Newly renovated from top to bottom. This 4-bedroom & 2 1/2-bath, 3,321 sqft beauty has been upgraded with excellence in every room. This home feature a gourmet kitchen, open floor plan, and views of the water. A Gorgeous entry level primary bedroom with walk-in shower and soaking tub. The upstairs features a huge open living space with wet bar, 3 additional nicely sized bedrooms, as well as a large bathroom. As if that’s not enough, this home comes with a spacious mud room and an attached car garage for your storage needs. Just a short stroll to Tyaskin Park and Wharf and less than 2 miles from Cedar Hill Marina, you can be enjoying your water related activities in minutes. The westside community also features 2 more public beaches and a second marina as well. This home truly needs to be seen to be appreciated! Schedule your showing ASAP!
Angela Payne 443-359-0350 Angela.payneteam@gmail.com
Scan to view listing!
Slow Cooker BBQ Chicken Sandwich
Sandwich
Slaw
2 1/2 lbs chicken breasts or tenders 1 1/2 cups BBQ sauce 1/2 sweet onion, sliced 1 tablespoon smoked paprika 1 tablespoon garlic powder 1 teaspoon kosher salt 1 tablespoon brown sugar 1 teaspoon dried oregano 6 buns or sandwich rolls 3 tablespoon, butter softened
3 cups coleslaw 1/2 cup mayonnaise 1 chipotle pepper, diced in adobo sauce 1 tablespoon lime juice Salt and pepper to taste
In a small bowl mix paprika, garlic powder salt, brown sugar and oregano, mix until combined Add sliced onions to the slow cooker and place the chicken on top. Sprinkle the seasonings on the chicken. Pour bbq sauce over the chicken. Cover and cook on high 3-4 hours or low 5-6 hours. In a small bowl add the mayo, chipotle, and lime juice; whisk until combined and set aside. Remove chicken to a cutting board and shred with two forks. Place chicken back into the slow cooker and stir to coat with the sauce. Spread the softened butter over the buns. Heat a skillet or griddle to medium-high heat and add the buns butter-side down into the skillet. Cook 2-3 minutes or until golden brown. In a small bowl add the mayonnaise, chipotle pepper and lime juice and mix until combined. In a medium bowl add the cabbage, cilantro and dressing and mix until combined. Add salt and pepper to taste. Slaw
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What our clients are saying
Rob was amazing! My partner and I bought our first house with him and the process has been nothing but seamless! I reached out to another realtor wanting to tour a house ASAP and he was out on vacation and was unresponsive so I took the chance to find a new agent on Zillow and I was matched with Rob! He not only let us tour the property day of but we closed in under 11 days!! Super great service, thank you Rob!!
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Handy Man How-To With Agent Aaron Bergeron! How to Replace a Window Screen
Tools Required Screen Material Utility Knife Scissors
Wheel Screen Tool
Spline
Flat Head Screwdriver
Step 1: Remove Window or Door Screen from Frame The method for removing your particular screen will vary. For our window screens, there are small spring-loaded pins that hold the screen in the window frame. To remove the screen, the pins are pulled and the screen is released from the frame. It takes about 15 seconds, once you find the pins.
Step 2: Remove the Old Spline
Use your flat head screwdriver to help grab an end of the old spline that is inside the screen’s channel, then pull out the old spline along the perimeter of the screen.
Step 3: Remove the Old Screen
Using the old screen as a template, use scissors to cut the new rescreening material. Give yourself about an inch of extra material around the entire perimeter of the old screen. It’s better to have a little too much material, than too little. The excess screen will be trimmed off at the end. Step 4: Cut New Re-screening Material Step 5: Use Wheel Screen Tool to Situate New Screen Material in Frame The screening wheel tool has two wheels. For this task, use the side with the narrower wheel, not the side which has the wider wheel with the channel in it. Simply move the wheel around each side of the screen frame, pushing the screen down into the channel. This step makes the next one, putting in the spline, easier. And it ensures your rescreening material will cover the frame appropriately before we move forward.
Step 6: Install Spline Now we will install the spline, which is the rubberized, rope-like material that will hold the new door or window screen into place in the frame. If you are using the old spline, then you already know the length of your spline is correct. If you are using new spline, you can either cut it to match the length of the old spline OR just wait til the spline is installed and cut the excess at the end. This is probably the best option.To install the spline, you will use the wheel tool, and more specifically, the wider wheel with the channel. Place the end of your spline into a corner of the frame and use the wheel tool to push the screen down into the channel.To wrap the spline around the corners, the method I find easiest is to use a flat head screwdriver to push the spline down into place. It works a little easier than the wheel tool in the tight corners.You will continue in this fashion, using the screwdriver in the corners and the wheel tool to push the spline into place around all four sides of the frame. You will want to go over each side a couple of times with the wheel tool to ensure that the spline is situated all the way into the channel. Step 7: Use a Utility Knife to Cut Excess Rescreening Material With the screen now securely installed into the window or door frame, we can now cut the excess rescreening material from around the perimeter of the frame. Do this using a utility knife, preferably with a new blade. Hold the knife parallel to the surface of the new screen and just above the spline. Cut along the frame. Step 8: Re-Install Screens
CONGRATS! You just Changed your First Window Screen!
AARON BERGERON Need help with a bigger project? Just give me a call!
410-251-2029
CURRENT LISTINGS
4725 Tyaskin Rd. Tyaskin MD. 21865 4 BD - 2.5 BA OFFERED AT $429,900
1504 Tulip Dr. Salisbury, MD 21804 4 BD - 2 BA OFFERED AT $359,900
8701 Shadow Ln. Delmar, MD 21875 4 BD - 3.5 BA - 3,159SF OFFERED AT $520,000
30210 Charles Barnes Rd. Westover, MD 21871 3 BD - 3 BA OFFERED AT $359,900
Want to see your home here? Call us today for a FREE Market Analysis on your home! Direct: (410) 936-0055 Office: (410) 543-4545
LOOKING TO FARM? Check out our Farm Listings!
Poultry Farm with TWO Homes on Property!! Each Home 3 BD 2 BTH
31262 Morris Leonard Rd. Parsonsburg, MD. 21849 3 BD - 2 BA - 2,304 SF-16.55 Acres OFFERED AT $599,000
3523 Chateau Dr. East New Market, MD. 21631
OFFERED AT $2,000,000
9060 Taylor Rd. Delmar, MD. 21875 OFFERED AT $700,000
23864 Ocean Gateway. Mardela Springs, MD. 21837 OFFERED AT $725,000
Check out our Land Listings! LOOKING TO BUILD?
0 Rockawalkin Ridge Rd. Salisbury, MD. 21801 OFFERED AT $61,900
0 Shadow Ln. Delmar, MD 21875 OFFERED AT $80,000
0 Blue Heron Way. Eden, MD 21822 OFFERED AT $99,000
21465 Nanticoke Rd. Tyaskin, MD. 21865 OFFERED AT $59,000
Give us a call for more information! C: 410-936-0055 O: 410-543-4545
4TH OF JULY SAFETY
WATER HAVE A SOURCE OF WATER CLOSE BY FIRE
NEVER LIGHT FIREWORKS NEAR DRY GRASS
CLOTHES BE CAREFUL OF LOOSE CLOTHING AROUND FIREWORKS
WIND BE AWARE OF WINDY CONDITIONS
HAPPY 4TH OF JULY
ENJOY TIME WITH FAMILY & FRIENDS!
When you’re buying a home, it’s easy to feel overwhelmed by all the decisions you have to make. Are you looking for a fixer-upper or something move-in ready? City or country? Ranch house or townhome? Believe me, I get it. A home is one of the biggest purchases you’ll make in your life, and you want to feel confident making the right decision for you and your family. I’ve got some good news: Your home can absolutely be a blessing! You just need to make sure you’re financially prepared to buy it, and that you buy a house you can afford. Here's the reality: Drowning in a house payment every month turns that blessing into a curse really quickly. That’s called being house poor, and it means you won’t have enough money left over every month for other financial goals, like investing for retirement or even saving for a vacation. Yikes. How Do I Budget for a House? We’re about to walk through the five key steps to budget for a house. But first, I need to warn you—you should only buy a house when you’re debt-free with a full emergency fund. Otherwise, owning a home and covering the expenses that go along with it will be super stressful. Without that kind of margin in your budget, anything that goes wrong or needs repair (like a broken fridge or leaky roof) can turn an inconvenient expense into a full-blown money crisis. So before you start making your house budget, pay off all your debt and save up an emergency fund worth 3–6 months of your typical expenses. Once you do that, these five steps will set you up with a great plan for buying a home on a budget.
How much house can you afford? Take your monthly take-home pay and divide it by four. Ta-da! That’s how much of a monthly payment (including principal, interest, homeowners insurance, and HOA fees) you can afford on a house with a 15-year fixed-rate mortgage. (Anything more than 25%, and you run the risk of being house poor!) Our free mortgage calculator will give you a good look at the monthly payment you can expect for different home prices. How much of a down payment do you want to make? If you’re a first-time home buyer, you’ll want to save up a down payment of at least 5–10%. But if you can swing a 20% down payment, that’s even better—it’ll keep you from having to pay for private mortgage insurance (PMI), which can be pricey. Plus, a bigger down payment means smaller monthly payments on your mortgage. Who doesn’t love that? And don’t forget about extra money for closing costs and any other expenses that could pop up during the home-buying process. When do you want to buy a house? The way you set up your budget for buying a house will depend on when you’re planning to buy. For example, if you’re on the fast track to buy a house in 10 months, you’ll need to save more aggressively to reach your down payment. But if you don’t want to buy for a few years, you don't have to be quite as intense. Next, it’s time to do some math (hooray!) to figure out how much money you’ll need to save each month to reach your goal. Divide the amount you plan to put down by the number of months you plan to save. Step 1: Set Your Savings Goals The first step to budgeting for a house is figuring out your savings goals. Here are three easy questions to get started. Let’s look at an example to see how this works. Let’s pretend a married couple who each makes a $50,000 salary have a combined monthly take-home pay of $6,250. They decide to get aggressive and save up a 28% down payment over the next two years, so they can afford the monthly mortgage on a $200,000 house (with a 5% interest rate). Here’s what their savings goals would look like:
Home price goal: $200,000 Down payment goal: $56,000 (28%) Timeline goal: Two years/24 months Monthly savings: $2,333
Now, you may be thinking $200,000 isn’t a whole lot to spend on a house. But here’s the deal: You may have to adjust your expectations when you’re buying your first home. House prices have gone up a ton in the last few years, so you’re probably not going to wind up with your dream home right out of the gate. Don’t feel bad about buying a smaller, more affordable starter home if that’s what you can afford. And if you have to compromise on location, that’s okay too. Trust me: You’ll be so thankful you didn’t overspend on a house just because you wanted it to look and feel a certain way. Plus, you can always upgrade down the road when you can afford to! Step 2: Write Down Your Income Once you’ve set your savings goals, the next step in budgeting for a house is writing down your income. After all, you can’t make a budget if you don’t know how much money you’ll have to spend! So, sit down and add up every source of income you get each month. That includes your salary, any side hustles you have, and any other money you plan to make during the month. You want to account for every dollar you’ve got to work with.
Here’s what this step will look like for our example couple:
Paycheck #1: $3,125 Paycheck #2: $3,125 Total Income: $6,250
Step 3: List Your Expenses Now that you know how much money you’ve got coming in, it’s time to figure out where it’s all going to go by listing your typical monthly expenses. If you’re already living on a budget, then you’ve already completed this step! But if this is your first time making a budget, I promise it’s not as difficult as you think.
When it comes to the four expenses you'll cover first, start with food, transportation, housing and utilities aka the stuff we all have to pay for.
After you account for those four budget essentials, think about any other major categories you spend money on each month. This can include subscriptions, clothing, entertainment, routine car maintenance, eating out, and (most importantly) generosity. And since you’re saving for a house, one of the categories on your budget will need to be “house savings.”
Once you finish listing out the categories, you’ll need to figure out how much you’re going to spend on each of them. If you’re not sure how much money you should put toward a particular category, look at recent bank statements and receipts—that will give you a good idea of how much money you’ve been spending in each area. And don’t forget to plug the number you got from step one into your “house savings” category! Let’s go back to our example of the married couple who each makes $50,000. Here’s what their home budget might look like after completing this step of the process.
As you probably noticed, they’re currently planning to spend more money than they actually make. We don’t want that! Luckily, the next step will help them (and you) get back on track.
Temporarily stop investing. Consistently saving for retirement over time is a major key to a good financial game plan. However, if you want to pause investing while you focus on saving for a house, that’s A-OK. Just make sure you pause your investing for no more than three years (and go right back to investing 15% of your income every month as soon as you buy a house). Eat at home more often. You already know eating out is way more expensive than cooking at home. Now, there’s nothing wrong with eating out, but taking fewer trips to restaurants is a great way to save a whole lot of money (just make sure you add a little extra to your grocery budget). Limit your paid subscriptions. It feels like there are a million different streaming services to choose from these days. And even though most of them are less than $10 a month, they can add up quickly. So, if you’re looking for an easy way to cut down on expenses, canceling some subscriptions is a great way to do that. Not only are there lots of great free streaming services available, but chances are you don’t need Netflix, Hulu, HBO Max and Disney+. Step 4: Make Adjustments If this is your first budget, there’s a good chance you’ll wind up with more money going out than coming in when you list your expenses—just like the couple in our example. That means you need to do one of two things: increase your income or decrease your expenses. But don’t worry! There are several ways you can spend less and make more. Many of which aren’t even that difficult. To start, you can increase your income by getting a side hustle, asking for a raise, working overtime, selling items you don’t need, and plenty of other ways, too. When it comes to lowering your expenses, there are obviously lots of different things you can do. I cover several of the best ones in my free 14-Day Money Finder, where I’ll send you a practical tip on saving money every day for two weeks. But for now, here are three of my favorite ways to spend less while saving for a house:
Small changes like these can really add up, you guys! Don’t believe me? Let’s go back to our example couple.
Say the couple takes all three of those steps to cut back on expenses and they each start a side hustle that earns $225 a month. Here’s what their updated budget would look like:
Pretty big difference, huh? With just a few small tweaks, this couple went from being nearly $1,500 underwater on their budget to having a zero-based budget that will let them make a 28% down payment on a new home in just two years. Step 5: Track Your Progress Okay guys, just one more step. Once you’ve made your home budget, you can’t stop there! For this whole thing to work, you’ve also got to stick to the budget and track your progress. That means you’ll need to review your transactions throughout each month to make sure you’re staying in line with the amounts you’ve set for each category of expenses. If you’re sticking to your budget every month, you should also be on track to hit the saving goals you set in step one. That means it won’t be long before you’re ready to buy a house. That’s so exciting!
No Bake Summer Berry Icebox Cake
Ingredients
19 oz graham crackers 8 oz cream cheese, softened 2 (3.4 oz) packages vanilla instant pudding 2-1/2 cups cold milk 12 oz Cool Whip (or homemade whipped cream) 3 cups fresh strawberries, sliced
1-1/2 cups fresh blueberries 2 oz white chocolate chips
Instructions
1.
Beat cream cheese and dry pudding mixes in large bowl with mixer until blended. Gradually beat in milk. Gently stir in Cool Whip or homemade whipped cream, reserving ½ cup. Spread a thin layer of Cool Whip in a 9x13 pan just to coat the bottom. Layer 5 graham crackers across the center of the pan, then 2 more- breaking them as needed to fit around the top and bottom edges. Spread a layer of pudding mixture over graham crackers and top with a layer of blueberries and sliced strawberries. Place graham crackers on top of berries, then pudding mixture, then layer of berries again. Repeat the graham-pudding-berries layers 1 more time (3 times total) and you should reach the top of the pan. Refrigerate for at least 4 hours or overnight until the graham crackers have softened completely. When ready to serve, melt white chocolate chips in a bowl as directed on package and drizzle over dessert. You can use a spoon to drizzle it over the tops of the berries or you can put it into a small zip-loc bag and snip off the corner for an easy "piping bag."
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How to Avoid EMAIL SCAMS & WIRE FRAUD Cybercrime is one of the fastest growing criminal threats in the united States, and one of the fastest growing cybercrimes is real estate wire fraud.
WHAT IS WIRE FRAUD? Real estate wire fraud often happens when criminals fake the identity of the title company, real estate agent, or closing attorney and send an email to the home buyer with instructions on how and where to transfer their money electronically. HOW TO PROTECT YOURSELF FROM WIRE FRAUD AND OTHER EMAIL SCAMS When it comes to wire fraud, prevention is key. Here are four ways you can protect yourself from cyberattacks and wire fraud hacks in under five minutes.
Shawn Hunt Senior Vice President, Branch Manager NMLS ID# 1098459 Branch NMLS# 2443130 shunt@cmghomeloans.com
Pay attention to detail. When receiving an email from a title company, closing attorney, real estate agent, or lender, pay close attention to the sender's email address. Often, fraudsters will change only one letter from the real email address, making it easy to miss with a quick glance. Be aware of any emails notifying you that the wiring instructions for the title company or attorney have changed. Instructions rarely change last-minute, and if they do, your attorney or title company should notify you by phone. Double check wiring information. Before making the final transfer, ensure that the wiring information is correct for whomever is receiving the funds. Again, verify this information verbally with someone who you know and trust. Confirm instructions verbally. Always verify wiring instructions verbally, whether on the phone or face-to-face. You should receive this confirmation from someone you trust and have been working with throughout the home-buying process, such as your real estate agent, attorney or loan officer. Play it safe. The best way to avoid wire fraud risks is paying for your down payment and closing costs with a certified check. If you ever have any questions or hesitations about your wiring transfer or any suspect email, let us know!
DIY Patriotic Tie Dye
Shirt Prep Start by washing the white shirts to remove any chemicals that may affect the dying process. A quick wash in the sink with laundry detergent will do just fine. Pick a Pattern You will want to ring out the water, but leave the shirts damp. Next, decide what design you want and get your rubber bands ready. Use smaller hair elastics to do sports and larger rubber bands to hold the swirls together.
Supplies Needed Rit All-Purpose Dye HOT Water Rit ColorStay Dye Fixative Plastic Squirt Bottles Rubber Bands Salt Baking Rack and Tray Measuring Cups and Spoons Microwave Plastic Gloves
Plastic Table Cover 100% Cotton T-shirts
Making the Dye Mix 2 cups of hot water with 2 tbsp of Rit Dye and 1 tsp of salt. Pour the mixture into the plastic squirt bottles.
Tie Dye Colors Demin Blue Cherry Red
Stars and Stripes
To create the Stars and Stripes pattern, begin by taking your small hair elastics and make tiny bunches at the top of the shirt. Take the bottom of the shirt and scrunch it up in the middle, and take larger rubber bands to create a stripes pattern.
Large rubber bands for stripes Tiny hair elastics making stars
Swirl Lay the shirt out flat, pinch it right in the middle and start to twist. Make sure the sleeves wrap the same direction as you are twisting. Use larger rubber bands to keep the swirl together. Use the Demin blue dye at the top of the shirt, making sure to keep the tiny bunches white. For the bottom stripes, use your Cherry Red and dye every other stripe.
If you want the Swirl shirt more white, leave some sections white. If you want more color, cover the top and bottom of the shirt in dye. Rinse
Leave your shirts wrapped in plastic wrap out to dry in the sun. Once they are dry, rise the shirts to get out all of the extra dye (Make sure to rinse thoroughly). Once the water runs clear, Remove the rubber bands and take a look at your new creations!
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1131 S Salisbury Blvd Ste B. Salisbury, MD. 21801 O: (410) 936-0055 CB: (410) 543-4545
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