Friday, July 26, 2013

Don’t Pass Up Your “Almost Perfect” Dream Home


When I first started my hunt for the perfect home I asked my mom, “Is buying a house sort of like trying on a wedding dress? Will I know for sure when I find the right one?” My mom laughed and said, “No. It isn’t going to feel like a wedding dress.” She explained that no matter what, even if I found the “almost perfect” house, I was going to have doubts. This is the biggest purchase of my life up until now and it is going to be a bit nerve wracking. To help combat our first time home buyer nervousness, my mom advised my husband and I to make a list of pros and cons and to try to stay analytical rather than emotional.

Buyers may have a very specific idea in mind when they are begin looking at real estate listings and shopping for a house. In some cases, they may find their “almost perfect” dream home that is missing one amenity or feature that makes them turn away. However, passing up a property that would be otherwise perfect if it had a pool or granite countertops can cause buyers to miss out on many opportunities.

So before dismissing a great home, individuals should consider whether there are alterations they can make themselves after they have purchased a property. One of the best pieces of advice I was given was

“Look at the bones of the house. If the house has good bones you will have an easier time looking past cosmetic issues.”

Space Issues

Buyers may request a certain amount of square footage or number of bedrooms, but some experts say focusing on these features too heavily can cause individuals to overlook other ways they can use the space. For example, buyers who are looking for a four-bedroom home may pass up a home that has four rooms, only one of those areas may not be classified as a bedroom because it lacks a closet. In these cases, the home may be more affordable and buyers can easily convert the space into a guest room, office or playroom for children.

In addition, square footage may also quickly prompt buyers to turn away. However, utilizing space wisely can make a home appear larger than it actually is. Other time-tested methods, such as using light paint colors, downsizing furniture and maximizing storage space can also make smaller homes look and feel larger. Purchasing a smaller home with all the desired amenities may also save buyers some money in the end.

Home Features

While most shoppers are looking for homes with top notch appliances and amenities, it may be more cost-effective to conduct renovations yourself as opposed to buying a fully updated home.  For example, putting in granite countertops, building a deck and adding a master bath are all projects new homeowners can undertake once you move in. Not only can you potentially save money, but you’ll also be able to add personal touches and customize the home to make it truly yours.  The same is true for other DIY features, such as installing a fence or building a garage. When home buyers are shopping for a property, it may be helpful to pay attention to the layout of the home and think of whether they can save money by undertaking these small projects on their own

Buying a home should be one of the most exciting experiences of your life. It is easy to get caught up in finding “the perfect home” but this causes unnecessary stress. Make a list of what is important to you and try to check off as many of those variables as you can. Trust me. Once you move into your house, you will make it feel like a home in no time.

Good luck and happy house hunting!

July 25 / 2013

Wednesday, July 17, 2013

How to Use a Programmable Thermostat to See Real Savings


A programmable thermostat can help you rake in the energy savings, but there's a hitch: You've got to pick one you'll actually use.


It's official: The programmable thermostat is the VCR of our day. Why? We think they're too complicated.
According to a study by the Lawrence Berkeley National Lab, nearly 90% of Americans say they've rarely (or never) programmed their thermostat because they're not sure how to do it.

But it's really not that hard, and it's definitely worth doing because it can save you up to 15% a year on energy costs.

The first step is to pick the thermostat that best suits your scheduling needs so you can "set it and forget it," an approach the U.S. Energy Department advocates to get the most savings.

Picking the Right Thermostat

There are four types of programmable thermostats, each with a distinctive scheduling style:
          7-day programming. Best for individuals or families with erratic schedules, since this is the most flexible option. It lets you program a different heating/cooling schedule for each day of the week. Average price range: $55-$125.

          5-1-1 programming. One heating/cooling schedule for the week, plus you can schedule a different heating/cooling plan for Saturday and Sunday. Average price range: $35-$78.

          5-2 programming. Same as 5-1-1 programming, except Saturday and Sunday will have the same heating/cooling plan. Average price range: $28-$30.

          1-week programming. You can only set one heating/cooling plan that will be repeated daily for the entire week. Average price range: $20-$23.

You'll need a program for both the cooler months and the warmer months.
 TIP: Before buying a programmable thermostat, identify the type of equipment used to heat and cool your home so you can check for compatibility. For example, do you have central heating and cooling, or just a furnace or baseboard heating? Otherwise, you may not reap the rewards of energy savings and may risk harming your heating and cooling (http://www.houselogic.com/maintenance-repair/preventative-home-maintenance/heating-cooling/) equipment.
Related: More Ways to Take Back Your Energy Bills
 Programming the Thermostat
Most programmable thermostats have a pre-programmed setting that's supposed to be for the typical American family. But what family is typical these days? You need to adjust the thermostat's settings so it's in sync with the life you and your family lead instead of some mythical family.

Programming options are based on:
          Wake Time

          Sleep Time

          Leave Time

          Return Time

The U.S Department of Energy suggests the following settings in order to shave up to 15% off your energy bill:

Winter months:
          For the hours you're home and awake, program the temp to 68°F.

          Lower by 10° to 15° for the hours you're asleep or out of the house.

Summer months:
          For the hours you're home, program air conditioning to 78°F.

          For the days you don't need cooling, manually shut off the AC. Keep in mind, it will kick back on if the house gets too warm.

          Program the AC to shut off during the hours you're out of the house.

Here are a few programming timing tips that can help you create the best set-it-and-forget-it heating and cooling schedule for your home:
          Shut down heat or air conditioning 20 to 30 minutes before you leave home each day.

          Turn on heat or air conditioning 20 to 30 minutes before you come home each day.

          Reduce the heating or cooling 60 minutes before you go to sleep each night.

          Increase heating or cooling about 30 minutes before you wake up each morning.

Spend time tweaking your program for a few days to make sure it feels right.
TIP: With a Wi-Fi-enabled thermostat, you can control your home's temperature while on the go. That way, you're not wasting energy if you're running late or forgot to create a new program before going on vacation.
FYI: A furnace does NOT have to work harder to warm a house after the temperature has been set low during the day.
Thermostats That Make Programming Easier
Want something that's simpler? Newer more high-tech models have simplified the process:
          The Nest Learning Thermostat: It creates a custom heating and cooling schedule for your home based on motion detection technology. Plus since it is Wi-Fi, it can be controlled remotely. Price: $250.

          Honeywell Wi-Fi Smart Thermostat: This device makes it easy to create a custom heating and cooling plan. Unlike conventional programmable thermostats, it has a large color interface that displays a simple menu that walks you through all the programming steps. It also "learns" your home and will send you personal notifications if the temperature is not right, or if there's a power outage. Price: $199.

FYI: Thermostats made prior to 2001 may contain mercury. To see if your programmable thermostat contains mercury, check with the manufacturer. If you decide to dispose of a thermostat that contains mercury, check out how to do so safely in your area at Thermostat Recycling Corporation (http://www.thermostat-recycle.org/). (Not sure why mercury is so bad? Here's the skinny: It's toxic and it never breaks down. When it enters the waste stream, it permanently damages the ecosystem.)

Related:
          Are Smart Meters Dangerous? (http://www.houselogic.com/blog/saving-energy/are-smart-meters-dangerous/)

          How to Reduce Your Water Heater's Energy Use (http://www.houselogic.com/home-advice/water-heaters/water-heater-energy-saving-tips/)

          The Biggest Air Leak in Your Home You Don't Know About (http://www.houselogic.com/home-advice/insulation/biggest-air-leak-home/)

Have questions or need help programming your thermostat? Below are tech support numbers for popular manufacturers:
          Honeywell: Wi-Fi Models: 1-855-733-5465

          Honeywell: All other thermostats: 1-800-468-1502

          Hunter: 1-888-830-1326

          White Rodgers: 1-800-284-2925

          Trane: 1-877-288-7707
Article From HouseLogic.com


By: Deirdre Sullivan
Published: July 12, 2013

Monday, July 15, 2013

5 Awesomely Easy Landscaping Projects


Ramp up your curb appeal with cool landscaping projects you can easily pull off in a weekend.
Project #1: Install Rigid Flower Bed Edging

The setup: A crisp edge where the lawn meets the flower beds looks great and eases mowing. Opt for rigid edging - the flexible plastic stuff looks amateurish from day one.
Use a charged garden hose to lay out a smooth curve.

Tip: A "charged" garden hose full of water makes for a smoother, kink-free curve; charge up by turning on the spigot but leaving the sprayer off.

With the hose as your guide, use a lawn edger or spade to cut away excess sod and make an incision for the edging. Tap in the edging with a rubber mallet and add the stakes. Trim the edging with a hacksaw, using a speed square to mark for cuts.

Specs and cost: Steel -- $1.25 per lineal foot; aluminum -- $2.25 plf; rigid plastic or fiberglass -- $1.65 plf.

Tools: Garden hose, flour or powdered chalk, lawn edger or spade, shovel, speed square, hacksaw, rubber mallet, hammer.

Time: 1 day to edge a typical yard.
Read on for more easy landscaping projects:
Add an Earth Berm (http://www.houselogic.com/home-advice/landscaping-gardening/easy-landscaping-projects/2/)
Build a Wall for a Raised Bed (http://www.houselogic.com/home-advice/landscaping-gardening/easy-landscaping-projects/3/)
Install a Flagstone Path (http://www.houselogic.com/home-advice/landscaping-gardening/easy-landscaping-projects/4/)
Add a Brick Tree Surround (http://www.houselogic.com/home-advice/landscaping-gardening/easy-landscaping-projects/5/)
 Project #2: Add an Earth Berm
The setup: Create an eye-catching front yard feature by shaping a few cubic yards of topsoil into an undulating berm. Topped off with mulch groundcover, and bushes, a berm adds interest and buffers street noise.

Use a charged hose to outline the berm. Remove sod a couple of feet in from the perimeter. Add a few mounds, but max out at 3 feet high.

Specs and cost: Three cubic yards of soil is enough for a good-sized berm. Expect to pay $15-$20 per cubic yard and $15-$60 for delivery -- a total of $60-$120.

Tip: Don't be tempted by those bags of topsoil at the home center: At $2.50 per cubic foot, a cubic yard (27 cubic feet) will end up costing you $67.50.

Have a cubic yard of mulch dropped off as well ($15-$20). A dozen periwinkle starts, plus a few boxwood bushes and evergreens, will set you back another $140.

Total for an 18-foot-long berm: $215-$280.

Tools: Wheelbarrow, spade, shovel, garden rake, trowel.

Time: A day to form the berm, another half-day for planting and mulching.
Project #3: Build a Wall for a Raised Bed
The setup: A stacked flagstone wall for your raised beds has an old-world look that mellows any landscape. Best of all, you don't have to be stonemason to build one.

Begin by laying out the wall with stakes and mason's line. Tamp a level bed of sand for the first course. As you add courses, stagger joints at least 3 inches. Set each course back ¼-inch so the wall leans backward slightly. Once finished, back the wall with landscaping fabric before filling with topsoil.

Specs and cost: Choose a stone of consistent thickness. Flagstone might be limestone, sandstone, shale -- any rock that splits into slabs. A ton of 2-inch-thick stone is enough for a wall 10 feet long and 12 inches high.
Cost: About $300 for stones and sand.

Tip: Permanent retaining walls should be backed by pea gravel for drainage. In some locations, walls taller than 3 feet high require a building permit.

Tools: Stakes and mason's line, spade, shovel, a 2-by-4 that's 8 feet long, a 4-foot level, garden rake, tamper.

Time: 1 day for a 10-foot-long wall that's 12 inches high.

Want to see some cool retaining walls? Check out our slideshow, 8 Retaining Wall Ideas. (http://www.houselogic.com/photos/landscaping-gardening/retaining-wall-ideas/)
 Project #4: Install a Flagstone Path
The setup: For a welcoming addition to your yard, add a flagstone pathway. Use a charged garden hose to mark a meandering path about 3 feet wide. Arrange flagstones within the path so they are 2-4 inches apart and mark their location with sprinkled flour.

Tip: Sprinkling flour over the stones creates a "shadow" outline on the ground. When you remove the stones, you'll have perfect outlines for cutting away the sod.

Cut away 3-4 inches of sod beneath each stone, add a layer of sand, and level the flagstones as you place them.

Specs and cost: For a 40-foot path about 3 feet wide, plan on 2 tons of flagstones and about a cubic yard of coarse sand. Cost: About $550.

Tools: Garden hose, flour, spade, trowel, level.

Time: 1 day for a 40-foot path.

Want more detail? Get the inside scoop on our start-to-finish DIY paver project (http://www.houselogic.com/home-topics/diy-paver-project/).
Project #5: Add a Brick Tree Surround
The setup: Installing a masonry surround for a tree eases mowing and looks great. All it takes is digging a circular trench, adding some sand, and installing brick or stone.

Tip: To create a nice, even circle around the base of your tree, tie a big loop of rope around your tree. Adjust the length of the loop so when you pull it taut, the free end is right where you'd like the outer edge of the surround to be. Set your spade inside the loop with the handle plumb - straight up and down. Now, as you move around the tree, the loop of rope keeps the spade exactly the same distance from the base of the tree, creating a nice circle.

Use the spade to cut into the sod all the way around the tree. Remove the rope, and dig out a circular trench about 8 inches deep and 6 inches wide. Add a layer of sand. Set bricks at an angle for a pleasing saw-tooth effect or lay them end-to-end. Fill the surround with 2-4 inches of mulch.

Curious what trees to plant? Our popular slideshow tells you which trees you should never plant in your yard (http://www.houselogic.com/photos/plants-trees/bad-trees/).

Specs and cost: This is an instance where buying small quantities of materials at the home center makes sense. Brick pavers cost $.50-$1 each - figure about 20 per tree. A bag of mulch, enough for one tree, costs $2.50.

Tools: Rope, spade, trowel.

Time: 3 hours per tree.
Article From HouseLogic.com
By: Dave Toht
Published: February 26, 2013

Thursday, July 11, 2013

Which Way Should Your Ceiling Fan Turn in Summer? The Cool Way!


Make sure your ceiling fans rotate in the correct direction to cool you in summer.
We're having a heat wave; so make sure your ceiling fans (http://www.houselogic.com/home-advice/heating-cooling/installing-ceiling-fans-at-home/) are spinning in the right direction to move air around the room.

Most fans (http://www.houselogic.com/home-advice/heating-cooling/ceiling-fan-home-cooling-benefits/) are reversible: One direction pushes air down, creating a nice summer breeze; the other direction sucks air up, helping you distribute heat in winter. There's normally a switch on the motor to change the fan's direction.

Is your fan turning in the right direction for summer?
          Stand beneath the running fan, and if you feel a cooling breeze, it's turning correctly.

          If not, change directions, usually by flicking a switch on the fan's base.

Typically, it's counterclockwise or left for summer and clockwise for winter, but the best method is to follow the steps above.
Funny note: We read on Yahoo! that one clever person used bubbles to see which direction his fan was blowing.
Article From HouseLogic.com



By: Lisa Kaplan Gordon
Published: June 28, 2012

Monday, July 8, 2013

What Will Waiting to Buy a Home Cost You?


At the end of June, mortgage rates for a 30-year fixed-rate mortgage jumped to 4.5 percent, up from 3.9 percent on June 1 — and a notable jump from the historically low 3.35 percent monthly average rate toward the end of 2012. However, while higher rates do mean an increase in monthly mortgage payments, experts are urging potential home buyers not to resign themselves to rentingfor the next few years just yet — it’s still a good time to buy a home.

These moderate increases in payments may still be manageable, particularly if buyers look at less expensive properties, or negotiate a lower price.

For example, the difference in monthly payments for a $200,000 home at 3.9 percent and one at 4.5 percent is just $70.03. If budgeted correctly, this could be a manageable expense.

Rick Allen, chief operating officer of Mortgage Marvel, is one expert who says now is still the time to buy a house. His platform records online mortgage loan applications, about a million transactions a year, which serves as a barometer for how well the housing market is doing. He says that refinances are down, as to be expected with a rate increase, but that “shouldn’t scare people off.”

“Relatively speaking, rates are still at or near historic lows,” says Allen. “A 4.5 percent mortgage is still an incredibly attractive rate at which to finance a home. From a real estate perspective, we’re not far off from recent lows, and we’re heading to improve real estate values. The combination of those two factors make this still a good time to buy.”

As the unemployment rate continues to decline, Allen says we’ll see more potential homeowners enter the market as well. Though Allen says “theoretically, rates could go through the roof or back down to the floor” but he personally believes we’ll see rates around 5 percent through the end of the year.

This is the early stage of the recovery of the housing market, and the rising interest rates encourage potential home buyers to be more decisive, and act quickly. As more homes are bought, supply decreases, so prices may rise even further. So if you’ve been thinking about buying a home, don’t lose your confidence, but it may be prudent to act quickly as rates continue to rise.

By Shelby Bremer | Credit.com – Sun, Jul 7, 2013 8:00 AM EDT