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Your security camera may show you crystal clear footage of someone stealing a package. But what good is that if the package is already gone? An AI-powered home security system can resolve this issue by actively responding to threats at home rather than only recording them. And according to a new Vivint study of 1,004 Americans, 82% would pay more for this type of technology . And, nearly half, 47%, would trust AI to respond to a threat before they even see the alert. “Thanks to AI, modern home security systems can identify people, pets, packages, vehicles, and even environmental factors such as rain or leaves, rather than alerting the user when any motion is detected. This can allow homeowners to respond immediately and take the appropriate action right away,” says Chris Carney , CEO and founder of Abode Systems , a DIY home security company in Naples, FL . So, is an AI-powered security system worth the extra cash? It all depends on where you live, what you want to protect, and how much you’re willing to spend. What can AI-powered security systems do that traditional ones can’t? A traditional camera acts as a witness, but AI-powered security acts more like a guard. “A standard system records footage and maybe sends you a motion alert, but it’s on you to watch it and decide what to do. AI-systems, on the other hand, are built to make that judgment call themselves, in real-time,” says Philip Kolterman , chief information officer at Brinks Home in Broomfield, CO . This means a camera can tell the difference between your dog running across the yard, a car passing on the street, and a person walking up your driveway who doesn’t belong there. Once it makes that distinction, it can act on it immediately, whether that’s with flashing lights, playing a recorded voice warning, or sounding a siren—all before you even look at the alert. “Some of the more advanced setups can even watch a package after it’s dropped off and send a warning if someone lingers near it too long. This kind of live response is just not possible for a traditional, passive camera system,” Kolterman explains. Is it worth paying more for one? According to Kolterman, AI-powered home security cameras generally cost 10% to 50% more upfront than traditional models—roughly a $10 to $30 difference The primary cost difference usually comes from monthly subscription fees needed to power these smart features, which typically run $3 to $15 per month for a single camera or $10 to $30 for a whole-home plan. If those features help you prevent a problem rather than simply record it, the extra cost may be justified. “A recording is great after the fact, but it doesn’t get your packages back or stop someone from walking onto your property in the first place. If deterrence actually stops the incident from happening, that’s a lot more valuable than a video of it happening,” says Kolterman. That said, if you live somewhere with a lot of foot traffic, frequent deliveries, or you’ve already had a theft or attempted break-in, the extra cost tends to pay for itself pretty quickly. However, if you’re in a low-traffic, gated, or otherwise low-risk area, you may not need the full active-deterrence package to feel secure. A traditional security system acts as a witness, but AI-powered security acts more like a guard. (Getty Images) Limitations to consider This biggest drawback of an AI-powered system is a false sense of security. These systems deter a lot of would-be intruders, but a determined criminal isn’t necessarily going to turn around because a light flashed or a voice told them to leave. “AI-powered deterrence lowers your risk, but it doesn’t eliminate it, and homeowners shouldn’t treat it as a replacement for locking their doors and securing windows,” explains Kolterman. There’s also a practical side that’s easy to overlook. Automated audio warnings and bright lights can lead to noise complaints from neighbors. And typically the smartest features—the ones actually doing the detection and decision-making—run through a subscription. This means that if you stop paying, you often lose the AI functionality even though the hardware is still sitting on your wall. What to do if you’re interested in an AI security system Before you buy an AI-powered security system, take a close look at what you’re actually paying for. “A lot of AI features that offer real-time detection and response options live behind a monthly subscription, so the upfront price of the hardware is only part of the cost,” says Kolterman. Don’t forget to ask how many units you’d actually need. A single camera might not cover a long driveway or a yard with a lot of blind spots, and you’ll want the deterrent features to have real visibility and audio range where it counts, not just at the front door. “The system should also be able to identify frequent guests, like family members, close friends, and recurring service providers so it knows not to trigger and worry you for no reason when these people come into view,” explains Carney. Whatever you do, make sure you’re paying for a reputable system, not a marketing gimmick labeled AI. “A well designed security camera system should provide early detection, instant alerts and notifications, and some kind of response that will deter the intruder from committing an incident,” says Mike Halbouni , security camera and telecommunications expert at PoyntGuard Security in London, ON . Lastly, don’t make a decision solely on price. “Remember, this is an investment, and it’s better to purchase the right system the first time around than to have regrets later on,” Halbouni adds. #AdamsCameron #Since1963

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Nearly half of Americans are open to buying a 3D-printed home—and, at least 49% would consider one that fits their location and budget, according to a recent survey by LendingTree . More than one-third (36%) also think these types of homes would make homeownership more affordable within the next 10 years. “3D-printed homes are the future, and the future is here,” explains Lance Thrailkill, co-founder at PRINT3D Technologies in Allen, TX . While a 3D-printed home might sound fascinating, it may not be the right fit for everyone. That’s why it’s a good idea to educate yourself on how it compares to a traditional home and weigh its potential benefits and drawbacks. What is a 3D-printed home? Put simply, a 3D-printed home is a property with walls that are created with a 3D printer. In traditional construction, workers would frame the house, install sheeting and drywall, finish the drywall with a smooth or textured surface, and add an exterior finish which is typically masonry. With a 3D-printed home, however, a 3D printer squeezes out specialized concrete layer by layer. It shapes durable walls quickly—usually in a matter of weeks—directly from a digital blueprint. It’s important to note that a 3D-printed home does not necessarily mean the entire house comes straight out of a printer. In most cases, printing is focused on structural wall elements, while foundations, roofing, windows, plumbing, electrical systems, insulation, and interior finishes still require conventional construction methods. Pros and cons to consider 3D-printed homes aren’t much cheaper than traditional homes as the printer is only one part of the construction process, according to Thrailkill. Site preparation, foundations, utilities, labor transportation, finishing, and land can still be expensive. Where these homes truly shine, however, is their energy efficiency and durability. They’re more likely to withstand high winds and fires than traditional homes. They’re also far more resistant to mold, termites and other rodents. Plus, they’re faster to build and offer more design flexibility as 3D printing can create unusual shapes, curved walls, and other unique designs that would be more expensive and time-consuming with traditional construction methods. Before you opt for a 3D-printed home, understand that it will be difficult to change your floor plan during a remodel, unless some of the interior walls are built conventionally. In addition, you might not like the "beaded look" or "pancake layered look.” “Fortunately, we’ve overcome these aesthetic concerns by developing a rotary printhead that can print a square bead that closely resembles brick,” Thrailkill explains. 3D-printed homes aren’t much cheaper than traditional homes as the printer is only one part of the construction process. (Houston Chronicle via Getty Images) How to buy a 3D-printed home If you’re interested in a 3D-printed home, you can buy one in an existing community from companies like ICON or Mighty Buildings . In the future—once 3D construction becomes more popular—it’ll be easier to purchase a plot of land and hire a company to build your dream home. When you do decide to invest in a 3D-printed home, do your research. It’s your responsibility to understand warranties, local zoning laws, lender financing policies, and the insurance requirements. Also, consider how you’ll handle repairs down the road as there aren't many roofing contractors, window installers or painters familiar with this particular brand of concrete. Depending on your budget and preferences, you may also want to explore alternative options, such as modular or prefabricated homes. These are particularly appealing if your goal is to make homeownership more affordable. #AdamsCameron #Since1963

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3 Things You Can Actually Control About Your Mortgage Rate Right Now

If you’re trying to buy a home, affordability is probably what keeps you up at night. And as you watch mortgage rates tick up again lately, it’s fair to wonder if you should just hit pause and wait for them to go down.

For now, though, they’re headed the other way. Mortgage News Daily data shows how rates have risen this year (see graph below):

a graph of a moving rateAnd if you’re wondering why? There are actually a number of reasons.

Mortgage rates are impacted by the situation overseas, economic data, inflation numbers, oil prices, and even decisions from the Federal Reserve (who recently decided to hike their Fed Funds Rate – which often affects mortgage rates too). As Danielle Hale, Chief Economist at Realtor.com, explains:

“The pressure on mortgage rates was here even before the Fed rate hike, and it doesn’t show signs of relenting. . .”

Now, that’s probably not what you wanted to hear. But, it doesn’t mean there’s nothing you can do. While you can’t control where rates go from here, you absolutely can control several things that shape the rate you actually get.

So where should you focus? Let’s walk through it.

Work on Your Credit Score

Your credit score plays a big role in the rate you qualify for, and even a small improvement can make a real difference in your monthly payment. As Freddie Mac puts it:

“Generally, the higher your credit score the more options will be available to you, including better loan terms and a lower interest rate.“

So, make sure you do what you can to keep your credit score up. If you’re not sure where your score stands right now, or how to improve it, talk to a trusted loan officer.

Explore Your Loan Options

The type and term of your loan both affect your rate. Conventional, FHA, VA, and USDA loans each come with their own requirements and rates, and your term (15, 20, or 30 years) changes both your payment and the total interest you’ll pay. The structure matters, too. A fixed-rate loan holds the same rate over time, while an adjustable-rate loan usually starts lower and can move later on. Bankrate explains it this way:

“. . . rates on fixed-rate loans are typically higher than introductory rates on adjustable-rate loans because the fixed-rate lender takes on the risk that rates could increase during the loan’s term. Likewise, government-backed FHA, VA and USDA loans sometimes have lower rates because they have a government guarantee or insurance that cuts the lender’s risk.“

It’s important to explore your options with a lender to see what makes the most sense for you. Just be sure to balance your goals, your possible rate, and any potential tradeoffs before making any decision. You may even want to talk to multiple lenders to see how the options vary.

Consider a Newly Built Home

Another path to a lower rate comes down to the kind of home you buy. Many builders are buying down mortgage rates, which lowers your monthly payment. It’s just one way they’re trying to attract buyers and get their homes sold.

According to Realtor.com, buyers of newly built homes landed a lower average rate last quarter than buyers of existing homes (see graph below):

a graph of a graph showing a number of housesa graph of a graph showing a number of houses

If a lower rate is your goal, it may be worth asking your agent to show you some new build communities that are offering this type of incentive locally.

Bottom Line

You can't control where mortgage rates go, but you can control your credit, your loan, and the kind of home you buy. Working with a trusted lender can help you lock in the best rate you qualify for. And when you’re ready to make a move that fits your budget, connect with a local real estate agent.

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The DeLand area, nestled in the heart of Volusia County, Florida, continues to evolve as a prime destination for commercial real estate investments. With its blend of historic charm, growing population, and strategic proximity to major corridors, properties within a 15-mile radius offer diverse opportunities for investors seeking stable returns. This article explores key emerging sec...

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