Sunday, July 13, 2014

The Ten Commandments When Applying for a Real Estate Loan

The Ten Commandments When Applying for a 

Real Estate Loan 


1. Thou shalt not change jobs, become self-employed or quit your job.

2. Thou shalt not buy a car, truck or van (or you may be living in it)!

3. Thou shalt not use charge cards excessively or let your accounts fall behind. 

4. Thou shalt not spend money you have set aside for closing.

5. Thou shalt not omit debts or liabilities from your loan application.

6. Thou shalt not buy furniture.

7. Thou shalt not originate any inquiries into your credit.

8. Thou shalt not make large deposits without first checking with your loan officer.

9. Thou shalt not change bank accounts.

10. Thou shalt not co-sign a loan for anyone.


Saturday, July 12, 2014

Bathroom Make-over for Less than $100

Home Staging Advice -

Bathroom Make-over for Less than $100

 

Bathroom are usually overlooked when it comes to home staging.
To have a big impact, it is usually the simple changes that can have a huge impact.

First, it is extremely important that your bathroom be sparkling clean and that all personal items are put away. 

Second, fresh towels can make a great first impression and can tie together the color in a bathroom.

Third, paint is always a great way to improve the look of any bathroom.
Bathroom Before Interior Redesign and Home Staging
Here is the Bathroom Before

Bathroom Afer a Kate's Home Staging Redesign
Here is the Bathroom After


By removing the clutter, painting the walls a more neutral color, and a few well placed accessories, this bathroom has been transformed.


Friday, July 11, 2014

America's Homes Are Bigger Than Ever

America's homes are bigger than ever

June 5, 2014: 1:20 PM ET
average home size 30 years

America's biggest homes are getting even bigger.

The average size of homes built last year hit 2,600 square feet, an all-time high that surpassed even the housing bubble years, when homes averaged around 2,400 square feet, according to the Census Bureau.
But there is a clear difference between the days when everyone was building McMansions and what's happening post-housing crash.
First of all, the rich have gotten richer.
"If you had a lot of money in the stock market, it has doubled since 2009," said Stephen Melman, director of Economic Services for the National Association of Home Builders.
And many have used those riches to buy even bigger places, he said.
At the same time, relatively few first-time homebuyers -- the biggest market for smaller homes -- are able to buy homes, said Melman. Many young buyers are having trouble getting mortgages or are heavily in debt with student loans.
Related: Priced out: 'I can't afford a home in my town'
As a result, the market for smaller homes, of 1,400 square-feet and less, has shrunk to just 4% of homes built. That compares with 9% in 2005.
Why millennials love apartments
Meanwhile, extremely large houses -- 4,000 square feet and up -- have been making up a much larger slice of the new homes built.
Last year, these mega homes accounted for more than 9% of new homes. In 2005, they represented 6.6% of homes built.
Houses that are a little smaller but still verging on mansion territory, those between 3,000 and 4,000 square feet, made up 21.7% of new homes in 2013, up from 15.6% in 2005.
Related: America's growing affordability gap
Not only are the homes bigger, they have more rooms as well. There's the obligatory playroom, the home office, the den and the FROG, or family room over the garage.
And, of course, few children have to bunk up in an older siblings' room these days. Only 59,000 homes built last year came with less than two bedrooms, compared with more than a quarter million with four bedrooms or more.
"It's like growth is accelerating," said Melman.

Thursday, July 10, 2014

9 Ways to Cool Down Air-conditioning Costs

1. Improve Plantings Around Your House

     "Most heat that accumulates inside a house comes directly from the sun shining onto the roof or through windows, and heating the house directly," says John Krigger, owner of Saturn Resource Management, which offers energy conservation training in Helena, Mont.
Planting leafy trees around the building's exterior will stop the sun from reaching inside your home. "Even for the cost of going to the nursery and buying a 15- to 20-foot-tall tree, trees are still the best value," Krigger says.
      If the trees or shrubs shade your air conditioner, you could boost your AC's efficiency by up to 10 percent, according to the U.S. Department of Energy.

2. Clothe Your Windows

     Solar screens, or mesh-like window screens, intercept up to 70 percent of solar energy before it gets into the house, Krigger says. Window screens are particularly effective on east- and west-facing windows, according to the U.S. Department of Energy.
     Window films are another option. They are transparent, metalized sheets that reflect heat before it can be transmitted through glass.
     However, windows must be shut for window films to work, while solar screens do double-duty, keeping sun and insects out even with windows open.

3. Flip a Switch

     Go ahead, get comfortable. Lower your air conditioner's thermostat setting to 78 degrees Fahrenheit when you're at home. But let that number rise to a warmer temperature at night or when you're away from home. You can save 5 percent to 15 percent on your air-conditioning bills by raising the temperature setting on your thermostat when you're away and don't need cooling, according to the Department of Energy.

4. Fan It

      No need to invest in fancy fans. Krigger says the key is to circulate air inside the house. If possible, locate fans on your house's upper level and open windows on a lower level. If you live in a one-story house or apartment, you should close windows near the fan and open windows in rooms far from the fan, preferably on your home's windward side, according to the U.S. Department of Energy.
     Moving air also helps evaporate the sweat from your skin, says Paul Scheckel, an energy efficiency consultant in Montpelier, Vt., and author of "The Home Energy Diet."
    "Evaporational cooling is an incredibly efficient process for removing heat, and our bodies do it all by themselves. A little help can increase the cooling effect," Scheckel says.

5. Chill in the Basement

     Camp out in your basement, says Stan Cox, author of "Losing Our Cool: Uncomfortable Truths About Our Air-Conditioned World (and Finding New Ways to Get Through the Summer)." In your eco-cooled basement, a television, couch or futon and a cold drink may be all you need.
     However, Scheckel says don't open basement windows when outdoor air is heavy with humidity. "Warm, moist air will cause condensation on cool surfaces such as basement walls, ultimately increasing the humidity in your home," he says.

6. Don't Bake or Cook On the Stove

     Skip the stove-top boiling and oven baking, Cox says. Decrease indoor heat by making microwave nachos or eating a cool salad. If you must boil pasta for tomorrow's potluck, cook in the evening.
     After cooking, turn on the kitchen exhaust, and use the bathroom exhaust fan after a hot shower. "Remove heat and moisture at the source," Scheckel says. "Reducing humidity can help increase comfort."

7. Maintain or Replace Your AC

     "AC efficiency is mostly a function of the technology," Scheckel says. "Keep the filter clean to allow for good air movement and keep the unit level so the condensation drains properly."
     If you replace your older room air conditioner with a newer unit, you could cut your energy costs in half, according to the Department of Energy. Look for a high-energy-efficiency ratio, or EER, or an Energy Star-qualified unit. Higher EER ratings mean a more efficient air conditioner. Energy Star refers to a system adopted by the U.S. Environmental Protection Agency and Department of Energy to identify energy-efficient products.

8. Let Humidity Set Your AC Space 

     Set the AC fan speed on high, except on very humid days, says the U.S. Department of Energy. On humid days, set the speed on low. The slower air movement through the air-condition equipment removes more moisture from the air, improving comfort in your home.

9.  Splash in the Bath

      Hop in the shower, spray yourself with a water bottle or use a cool cloth on the back of your neck. And if you don't chill out right away, don't give up, says Cox, the environmental writer and scientist. "Our comfort range depends on the temperatures we have experienced in recent days and weeks," he says. "The body and mind adjust to rising temperatures."

Wednesday, July 9, 2014

How to Protect a Basement From Flooding

1. Focus on prevention. Long before you're in a flooding situation, look around your property for ways to divert rain water away from your home. Important considerations are extending rain gutter down spouts away from your home and making sure the grade of your yard surfaces slope away from your home. 

 

2. Clean the rain gutters in the spring and after all the leaves have come down in the fall. Blocked gutters will cause all of the roof water to dump directly against your foundation, increasing the likelihood of basement flooding. 

 

3. Extend the rain gutter downspouts well out and away from your home. Do not connect the downspouts to your foundation footer drain tiles or to underground dry wells. This will only cause the roof water to further saturate the ground and cause flooding in your basement. 


4. Walk around outside in your yard during a heavy rain storm. Watch to see if water is ponding next to your home and if surface water is being directed toward your home. If this is the case, seek a local landscaper or excavation contractor for advice on ways to regrade your yard so the surface water is directed away from your home.


5. Provide emergency power. Install an automatic emergency generator to provide electric service for essential circuits like your furnace or electric heat, well pump, refrigerator, septic tank pump and sump pump in the case when power is lost. Without emergency backup power, you may return home to unnecessary basement flooding, frozen water pipes and a flooded septic tank. 

 

6. Install a sump pump. An automatic sump pump should help keep water leakage normal amounts of rainfall from building up in the basement. As long as the sump pump tank has an opening in the lid, the sump pump will act like a huge floor drain and keep the water from getting deep. 


7. Install a backup sump pump. The sump pump is your first line of defense against basement flooding. However, the most reliable sump pump available in the industry is still a mechanic device and can fail. A backup sump pump system, preferably with at least a battery-operated pump, configured with a switch device to begin working if the main is out of commission, greatly reduces the chance of flood. Some systems come with additional security features such as an alarm that goes off whenever the battery operated is started. 

 

8. Make an emergency family plan. Plan ahead with your family so that everyone has each other cell phone and other contact numbers. If you live in an area that is prone to historic flooding, plan ahead of time where you'll be able to stay until flood waters subside. Keep in mind that all your neighbors will probably need housing too. As local hotels are usually inundated during flooding events, try to arrange ahead of time with some local family members away from the flooding area to have temporary housing if ever needed.

 

9. Have flood insurance. Add flood insurance onto your existing homeowner's policy. Flood insurance is provided by the government and is fairly inexpensive. In the USA, if your home insurance agent does not provide flood insurance, contact FEMA (Federal Emergency Management Agency) for local agencies that do.

Tuesday, July 8, 2014

House Cleaning and Organization Tips for a Tidy Home

House Cleaning and Organization Tips for a Tidy Home

By Michelle Ullman

Tidy Home
In the busy home of an active family, messes can become hazards. Toys end up scattered across the living room floors, dishes build up in the sink and clutter accumulates on the counter. A messy house can feel like a nuisance, but consider this: did you know that a mess can sometimes create dangers to your safety, health and well-being? Household messes are more dangerous than you think; consider these household cleaning and organization tips for keeping a tidy and safe home:

  • Keep escape routes open. If a fire, earthquake, flood or other emergency strikes, every second counts. Keep main escape routes in your home accessible at all times. Remove clutter that may be hindering easy movement around doorways and windows in your home, and pick up toys, shoes, and other belongings each night to leave an unobstructed pathway for your family.

  • Remove fire hazards. Clutter, like stacks of newspapers, or mail, can turn into a fuel for fire if stored too close to a stovetop. Ensure that any flammable items are stored at a safe distance away from sources of heat like your hot water heater, fireplace or oven.

  • Watch for mold. This potentially harmful fungus thrives in damp, warm environments. Clutter holds in moisture and prevents you from seeing signs of trouble. According to the Centers for Disease Control and Prevention (CDC), when mold spores settle on wet surfaces like paper, cardboard and wood, the mold settles in and grows. Health impacts can range from nasal congestion and irritation to pulmonary fungal infections. Cut down on mold risks by tossing the clutter under your bathroom and kitchen sink. Keep an eye on your basement and garage too, these areas tend to accumulate clutter, and the humidity in these spaces can cause mold.

  • Don't make pests feel at home: Bugs and pests can be sources of disease that can harm your family. The National Center for Healthy Housing warns that even dead cockroaches or roach droppings can cause gastrointestinal and respiratory illness, as well as cause asthma flare-ups in those susceptible to allergies. Old paper bags and cardboard boxes are favorite nesting spots for pests, so clear these out of your home. Wash the dishes and take out the trash daily. Remind family members to empty bedroom and bathroom trash receptacles and rinse dishes well before placing them in the dishwasher.

  • Know what you have: In a disorganized home, it's hard to know what you have. Get your family to pitch in and help clean up, then photograph and catalog your belongings with the Liberty Mutual Home Gallery App. The easy-to-use app makes record keeping a breeze, and can help simplify the process if you ever find the need to claim losses due to theft or damage.
Day-to-day living brings a bit of disorder to every home. Active families and busy schedules don't always leave a lot of time for cleaning. Take just a few minutes each day to clear away the mess, and keep your family safe from potential harm.

Monday, July 7, 2014

10 Kid-Safe Home Tips

10 kid-safe home tips to help Mom worry less (© Olga Bogatyrenko; Yaruta Igor)

10 kid-safe home tips to help mom worry less

By Scot Meyer of SwitchYard Media
The typical house can be a dangerous place for small children. Child-advocacy group Safe Kids USA says that every year, an average of 2,096 children in the United States die from injuries suffered at home.
The good news: That average has declined for the past 20 years, the organization says, and that trend can continue if parents take some simple precautions.
Here are 10 trouble spots to be aware of and tips for making sure home sweet home is also a home safe home.

1. Install a window guard

Install a window guard (© Scot Meyer)
© Scot Meyer
Each year, falls from windows kill 12 children younger than 10 years old and injure an additional 4,000, Safe Kids USA says. These falls are most common in big-city apartment buildings, but the American Academy of Pediatrics' Healthy Children website recommends that parents install guards on all windows above the first floor in suburban houses, as well.
"You also need to think about which window in each room you would use as an emergency exit in case of fire, and make sure whatever device you use on that window has a quick-release mechanism," says Meri-K Appy, president of Safe Kids USA.
Safe Kids USA says that fatal window falls declined by 35% in New York after the city passed a law requiring guards in windows of all apartments with children 10 or younger.

2. Add a gate to your stairwell

Add a gate to your stairwell (© Baby Bodyguards)
Photo courtesy of Baby Bodyguards
The American Academy of Pediatrics recommends that parents install stairway gates  to prevent falls. Appy says parents should place them at the top and bottom of the stairs.
Each year, about 103 U.S. children die from falls, and more than 2.3 million fall-related injuries are reported, Safe Kids USA says.
In addition to falling down stairs, infants are at risk from falls from furniture and from baby walkers, which the pediatrics academy recommends that parents not use.

3. Lock ovens and kitchen drawers

Lock ovens and kitchen doors (© Dorel Juvenile Group)
Photo courtesy of Dorel Juvenile Group
Parents can install special locks and knob covers that are designed to keep toddlers from opening the oven, turning it on or activating burners on the stove.
Most kitchen drawers and cabinets also should be secured, says Frederick Ilarraza, co-founder and president of New York baby-proofing firm Baby Bodyguards. It's OK for parents leave one drawer — far from the stove — unlatched for a child to explore, however, he says. This drawer can contain kid-friendly items, including plastic containers and plastic and wooden utensils.
"But you shouldn't allow (children) to play with pots and pans, because they won't differentiate between the pot they are allowed to play with and the one on the stove with steam coming out of it," Ilarraza says.

4. Turn down the heat

Turn down the heat (© Serenethos)
© Serenethos
The most common burn injuries for children younger than 4 come from hot liquid or steam, Safe Kids USA says. Although most scald burns are from hot foods and liquids spilled in the kitchen, hot tap water accounts for about 25% of scald burns and causes more hospitalizations and deaths than other liquid burns.
To prevent scalding in the kitchen and bathroom, parents can set the thermostat on their water heater to 120 degrees. Those who want an extra level of safety, or who don't have access to their building's water heater, can install special faucets and shower heads that shut down the flow when the water gets too hot.
"Young children's skin is thinner than adult skin," Appy says. "What might just feel uncomfortably hot to us can badly burn a child."

5. Ensure your smoke alarm works

Ensure your smoke alarm works (© Lasse Kristensen)
© Lasse Kristensen
Every bedroom should have a smoke alarm, as should any common area within 10 feet of the kitchen. Each floor of your home also should have a carbon-monoxide detector.
The National Fire Protection Association says that about 3,000 people die in the U.S. each year because of fires, and children younger than 5 are 1.5 times more likely to die in a home fire.
The association's research shows that nearly two-thirds of home-fire deaths were in residences with no working smoke alarms. Data from 2009 show when a smoke alarm was present during a home fire but did not go off, the failure was because of a dead or discharged battery 22% of the time, and the battery was missing or disconnected 53% of the time.

6. Tie down bookcases

Tie down bookcases (© Scot Meyer)
© Scot Meyer
Small children like to grab and climb, and those instincts make large pieces of furniture and other heavy objects dangerous.
"File cabinets have a mechanism that prevents more than one drawer from being opened at a time, but dressers and changing tables do not," Ilarraza says. "Bookcases can seem secure and are, so long as they are bottom-heavy. But once a toddler removes the bottom two shelves of (its) books, the piece becomes top-heavy and easily toppled."
To prevent toppling, parents can buy straps to hook bookcases, television stands and dressers to the wall. These are available where other child-proofing products are sold.
It's also wise for parents to put heavier items on lower shelves or place safe items in which children are interested on the bottom, so kids won't be tempted to climb.

7. Install bumpers on sharp edges

Install bumpers on sharp edges (© Scot Meyer)
© Scot Meyer
The American Academy of Pediatrics recommends removing sharp-edged or hard furniture from rooms where children play and installing bumpers on coffee tables and other hard edges throughout the house.
Ilarraza says that corners are especially dangerous because they can create puncture injuries. "Toddlers seem to have strong magnets in their foreheads that attract coffee-table corners," he says.
Soft foam corner protectors cost a few dollars.

8. Keep kids away from water

Keep kids away from water (© Darren Epstein )
© Darren Epstein
Unintentional drowning was the leading cause of injury-related death for children ages 1 to 4 in 2007 and the No. 3 cause for children ages 5 to 9, the National Center for Health Statistics says. The Centers for Disease Control and Prevention also says that more than 20% of the 3,443 drowning victims that year were 14 or younger.
Children can drown in less than 2 inches of water, the American Academy of Pediatrics says. Thus, bathrooms should be off-limits to unattended young children, who can drown in bathtubs, toilets and even in pails of water.
Parents also should surround their swimming pool with a fence that is at least 4 feet high on all sides and that has self-latching gates.

9. Place cords out of reach

Place cords out of reach (© mypokcik; Stephen Coburn)
© mypokcik; Stephen Coburn
Young children are at risk for strangulation and suffocation around the house, says the American Academy of Pediatrics, which urges parents to place baby cribs away from windows.
Cordless window treatments are a good idea, the academy says. If that is not possible, shade cords should be tied high and out of reach and not knotted together.
Electrical cords can be hazardous, too. Baby Bodyguards says that while many people realize the dangers of cords that dangle near a crib, they think nothing of putting plug-in baby monitors near or inside the crib. "They work just as well and often better from the other side of the room, where your child can't reach the cord from the crib," Ilarraza says.

10. Cover electrical outlets

Cover electrical outlets (© SafetyCaps)
Photo courtesy of SafetyCaps, www.safetycaps.com
Young children love to poke and prod, so it's a good idea to cover all electrical outlets to reduce the risk of shock.
"Most parents know to place caps in electrical sockets," Ilarraza says. "Unfortunately, many of the socket caps on the market today are the size of a quarter (and are) a choking hazard.
Ilarraza says he recommends a product called SafetyCaps, which are larger, so children cannot get them lodged in their throat. The caps also have holes to allow air to pass.
Surge-protector covers also are available.