How to Protect Your Home Against Flooding

Few places in the country are considered free from flooding, so protect your home and family.

Flooding is the most common natural disaster in the United States, causing $2.7 billion in losses between 2001 and 2010, according to the National Flood Insurance Program, a government-sponsored pool that provides flood insurance to home owners.

Your homeowners insurance policy doesn't cover flooding: You generally need to buy a separate flood insurance policy. The key to reducing flood damage is to take precautions, which in many cases you can accomplish in a few hours to a few days.

Protect Your Home

It's not a good idea to bet the odds - 20% of flood claims come from places where the flood risk is low, according to floodsmart.gov. Check with your insurance agent to see what flood insurance will cost you. If you live in a community that participates in the National Flood Insurance Program, you can buy an NFIP flood policy. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding, according to NFIP.

Protect Yourself

If you live in a high-risk area, it's a good idea to have a "go-bag" ready in case you need to leave quickly. Include:

            •A few changes of clothing for you and family members

            •Insurance policy numbers

            •Phone numbers of your agent

            •Your insurance company's main number

            •Essential toiletries

            •Money to get you through a few days

It's also wise to have an evacuation route mapped out and to have a location to which you can go, such as a loved one's home or hotel. Always follow the direction of local and state authorities if ordered to evacuate. Remember: Your possessions and your home are small comfort if your family is injured or worse.

Preventative measure: If you believe water will begin to accumulate in your home, shut off power at the main electrical panel in your home, says Bill Begal, owner of Begal Enterprises, a Rockville, Md., disaster restoration company. But never stand in water to do so - if the area around the box is already flooded, leave it alone.

In addition, know what to do in the first 24 hours after a flood to avoid additional risks to your health and home.

Keep Water from Damaging Your Home with Flood Control Tips

Before your rainy season or spring thaw begins, take these 10 steps to protect your home from water damage:

1. Fix leaks immediately. Leaky roofs and foundation cracks allow water to get into your home, which can weaken the structure and provide a perfect habitat for mold. When you see wet spots on the ceiling or cracks in the foundation, fix them as soon as it's safe to get up on the roof or the material is dry enough to repair. Check that roofing shingles are secure.

2. Spring for extra roof protection. When it's time to replace your roof, spend a few hundred dollars more to install a rubber roof underlayment, a waterproof barrier that goes under the shingles and protects the roof from water intrusion.

3. Close foundation cracks with mortar and masonry caulk or hydraulic cement, which expands and fills gaps completely and costs only a few dollars. Don't patch solely with mortar or cement, which may crack again. If water is a recurring problem, be sure to investigate other solutions for issues like wet basements.

4. Clear gutters and drains. Keep gutters and drainage systems clear to carry water away from your home. Check storm drains on your street, as leaves and debris can block them, causing water to collect.

5. Invest in a battery-powered sump pump. Sump pumps let you pump water out of your home and can be an excellent defense against flooding - unless they're powered by electricity and the power is out. Battery-powered sump pumps are a relatively inexpensive ($150-$400) solution.

6. Catalog possessions. Using a digital camcorder or camera, create a home inventory for insurance. Inexpensive digital cameras start at about $100. Although traditional video and photographs are adequate, they can be bulky to carry and may get damaged if left in a flooded home. Digital files can be stored on a small USB drive and kept in your go bag, sent to a friend or relative for safekeeping, or stored on an online backup system like idrive.com or opendrive.com, which offer a small amount of space to store files for free or a larger data storehouse for $50-$60 per year.

7. Move expensive items to a safer location. If you have a second floor or an attic, moving furniture, photographs, and artwork to a higher level will protect your possessions in all but the most severe floods. Elevate furnaces and water pumps when they're installed, if possible, to a height of 12 inches above the highest known flood level for your area, suggests FEMA.

8. Anchor your fuel tanks. Unanchored tanks can float, rupture, and release fuel. Once the power sources of system units like furnaces and water heaters are disabled and the units cooled, you can also wrap them in waterproof tarps to mitigate water damage.

9. Prevent sewer backup. Install (or have a plumber install) sewer or septic line check valves, which allow waste to flow only one way. Plan to spend $100 or more per valve to have a pro install them, or do it yourself for $10-$15 each to ensure sewage can't back up into the standing water in your home. Install at a point in the pipe that's easy to access for repair.

10. Install French drains. If you live on a slope and have a persistently wet basement or soggy lawn. A French drain collects water in your yard and diverts it safely away from your house.

Floods are a common challenge that many home owners will face at one time or another. However, by keeping your home in good repair, moving valuables out of water's way, and creating good drainage around your home, you can stop or reduce potential flood damage.

Article From HouseLogic.com | By: Gwen Moran

7 Smart Strategies for Kitchen Remodeling

Follow these seven strategies to get the most financial gain on your kitchen remodel.

Homeowners spend more money on kitchen remodeling than on any other home improvement project. And with good reason: Kitchens are the hub of home life and a source of pride.

A significant portion of kitchen remodeling costs may be recovered by the value the project brings to your home. Kitchen remodels in the $50,000 to $60,000 range recoup about 74% of the initial project cost at the home's resale, according to recent data from Remodeling Magazine's Cost vs. Value Report (http://www.costvsvalue.com).

A minor kitchen remodel of about $19,000 does even better, returning more than 82% of your investment.

To maximize your return on investment, follow these seven strategies to keep you on budget and help you make smart choices.

1. Plan, Plan, Plan

Planning your kitchen remodel should take more time than the actual construction. If you plan well, the amount of time you're inconvenienced by construction mayhem will be minimized. Plus, you're more likely to stay on budget.

How much time should you spend planning? The National Kitchen and Bath Association recommends at least six months. That way, you won't be tempted to change your mind during construction and create change orders, which will inflate construction costs and hurt your return on investment.

Some tips on planning:

Study your existing kitchen: How wide is the doorway into your kitchen? It's a common mistake many homeowners make: Buying the extra-large fridge only to find they can't get it in the doorway. To avoid mistakes like this, create a drawing of your kitchen with measurements for doorways, walkways, counters, etc. And don't forget height, too.

Think about traffic patterns: Work aisles should be a minimum of 42 inches wide and at least 48 inches wide for households with multiple cooks.

Design with ergonomics in mind: Drawers or pull-out shelves in base cabinets; counter heights that can adjust up or down; a wall oven instead of a range: These are all features that make a kitchen accessible to everyone - and a pleasure to work in.

Related: Test Your Ergonomic Design Knowledge

Plan for the unforeseeable: Even if you've planned down to the number of nails you'll need in your remodel, expect the unexpected. Build in a little leeway for completing the remodel. Want it done by Thanksgiving? Then plan to be done before Halloween.

Choose all your fixtures and materials before starting: Contractors will be able to make more accurate bids, and you'll lessen the risk of delays because of back orders.

Don't be afraid to seek help: A professional designer can simplify your kitchen remodel. Pros help make style decisions, foresee potential problems, and schedule contractors. Expect fees around $50 to $150 per hour, or 5% to 15% of the total cost of the project.

2. Keep the Same Footprint

Nothing will drive up the cost of a remodel faster than changing the location of plumbing pipes and electrical outlets, and knocking down walls. This is usually where unforeseen problems occur.

So if possible, keep appliances, water fixtures, and walls in the same location. ?? Not only will you save on demolition and reconstruction costs, you'll cut the amount of dust and debris your project generates.

3. Get Real About Appliances

It's easy to get carried away when planning your new kitchen. A six-burner commercial-grade range and luxury-brand refrigerator may make eye-catching centerpieces, but they may not fit your cooking needs or lifestyle.

Appliances are essentially tools used to cook and store food. Your kitchen remodel shouldn't be about the tools, but the design and functionality of the entire kitchen.

So unless you're an exceptional cook who cooks a lot, concentrate your dollars on long-term features that add value, such as cabinets and flooring.

Then choose appliances made by trusted brands that have high marks in online reviews and Consumer Reports.

4. Don't Underestimate the Power of Lighting

Lighting can make a world of difference in a kitchen. It can make it look larger and brighter. And it will help you work safely and efficiently. You should have two different types of lighting in your kitchen:

Task Lighting: Under-cabinet lighting should be on your must-do list, since cabinets create such dark work areas. And since you're remodeling, there won't be a better time to hard-wire your lights. Plan for at least two fixtures per task area to eliminate shadows. Pendant lights are good for islands and other counters without low cabinets. Recessed lights and track lights work well over sinks and general prep areas with no cabinets overhead.

Ambient lighting: Flush-mounted ceiling fixtures, wall sconces, and track lights create overall lighting in your kitchen. Include dimmer switches to control intensity and mood.

Related: How to Choose the Best Bulb for the Job

  5. Be Quality-Conscious

Functionality and durability should be top priorities during kitchen remodeling. Resist low-quality bargains, and choose products that combine low maintenance with long warranty periods. Solid-surface countertops, for instance, may cost a little more, but with the proper care, they'll look great for a long time.

And if you're planning on moving soon, products with substantial warranties are a selling advantage.

Related:

 Kitchen Remodeling Decisions You'll Never Regret

 White: The Savvy and Chic Kitchen Color Choice

  6. Add Storage, Not Space

Storage will never go out of style, but if you're sticking with the same footprint, here are a couple of ideas to add more:

Install cabinets that reach the ceiling: They may cost more - and you might need a stepladder - but you'll gain valuable storage space for Christmas platters and other once-a-year items. In addition, you won't have to dust cabinet tops.

Hang it up: Mount small shelving units on unused wall areas and inside cabinet doors; hang stock pots and large skillets on a ceiling-mounted rack; and add hooks to the backs of closet doors for aprons, brooms, and mops.

7. Communicate Clearly With Your Remodelers

Establishing a good rapport with your project manager or construction team is essential for staying on budget. To keep the sweetness in your project:

Drop by the project during work hours: Your presence broadcasts your commitment to quality.

Establish a communication routine: Hang a message board on site where you and the project manager can leave daily communiqués. Give your email address and cell phone number to subs and team leaders.

Set house rules: Be clear about smoking, boom box noise levels, available bathrooms, and appropriate parking.

Be kind: Offer refreshments (a little hospitality can go a long way), give praise when warranted, and resist pestering them with conversation, jokes, and questions when they are working. They'll work better when refreshed and allowed to concentrate on work.

Article From HouseLogic.com | By: John Riha

Enjoy Your Life: Change Your Point Of View

“Two men look out through the same bars: One sees the mud, and one sees the stars.”- Frederick Langbridge, A Cluster of Quiet Thoughts

If you’ve placed second in a writing contest, will you jump for joy and push for better results the next time or will you be discouraged and find an excuse not to join again? In life, you are always filled with choices. You may opt to have a pessimist’s view and live a self-defeated life or you may decide to take the optimist’s route and take a challenging and fulfilling life.

So why nurture an optimist’s point of view? And why now?

Well, optimism has been linked to positive mood and good morale; to academic, athletic, military, occupational and political success; to popularity; to good health and even to long life and freedom from trauma.

On the other hand, the rates of depression and pessimism have never been higher. It affects middle-aged adults the same way it hits younger people. The mean age of onset has gone from 30 to 15. It is no longer a middle-aged housewife’s disorder but also a teen-ager’s disorder’ as well.

Here’s how optimists are in action and researches that back up why it really pays to be an optimist:

Optimists Expect The Best

The defining characteristic of pessimists is that they tend to believe bad events, which will last a long time and undermine everything they do, are their own fault. The truth is optimists are confronted with the same hard knocks of this world. What differs is the way they explain their misfortune—it’s the opposite way. They tend to believe defeat is just a temporary setback, that its causes are confined to this one case.

Optimists tend to focus on and plan for the ‘problem’ at hand. They use ‘positive reinterpretation.’ In other words, they most likely reinterpret a negative experience in a way that helps them learn and grow. Such people are unfazed by bad situation, they perceive it is a challenge and try harder.

They won’t say “things will never get better,” “If I failed once, it will happen again” and “If I experience misfortune in one part of my life, then it will happen in my whole life.”

Positive expectancies of optimists also predict better reactions during transitions to new environments, sudden tragedies and unlikely turn of events. If they fall, they will stand up. They see opportunities instead of obstacles.

People Respond Positively To Optimists

Optimists are proactive and less dependent on others for their happiness. They find no need to control or manipulate people. They usually draw people towards them. Their optimistic view of the world can be contagious and influence those they are with.

Optimism seems a socially desirable trait in all communities. Those who share optimism are generally accepted while those who spread gloom, panic and hysteria are treated unfavorably. In life, these people often win elections; get voted most congenial and sought for advice.

When The Going Gets Tough, Optimists Get Tougher

Optimists typically maintain higher levels of subjective well-being during times of stress than do people who are less optimistic. In contrast, pessimists are likely to react to stressful events by denying that they exist or by avoiding dealing with problems. Pessimists are more likely to quit trying when difficulties arise.

They persevere. They just don’t give up easily, they are also known for their patience. Inching their way a step closer to that goal or elusive dream.

Optimists Are Healthier And Live Longer

Medical research has justified that simple pleasures and a positive outlook can cause a measurable increase in the body’s ability to fight disease. Optimists’ health is unusually good. They age well, much freer than most people from the usual physical ills of middle age. And they get to outlive those prone to negative thoughts.

So why not be an optimist today? And think positively towards a more fulfilled life.

Why not look forward to success in all your endeavors? Why not be resilient? Like everybody else you are bound to hit lows sometimes but don’t just stay there. Carry yourself out of the mud and improve your chances of getting back on the right track. And why not inspire others to remove their dark-colored glasses and see life in the bright side?

Compliments of RealtyBlogContent.com

What You Should Know About Your Home and Your 2013 Taxes

It's the last year for three sweet home tax benefits, but the first for a way simpler home office deduction.

These days few things start a fight on Capitol Hill faster than taxes. Despite the fact that three important tax benefits used by millions of American homeowners are days from expiring, Congress is unlikely to do anything to re-up them any time soon.

So if you're eligible, tax year 2013 is possibly the last time to claim the private mortgage insurance (PMI) deduction, the energy tax credit, and debt forgiveness benefit, all of which all expire on Dec. 31, 2013.

At least there's one piece of good news for homeowners: If you have a home office, there's a new, simpler option for calculating the home office deduction for which you may qualify on your 2013 taxes.

Meanwhile, here's what you need to know about those expiring benefits as you ready your taxes:

PMI Deduction

This tax rule lets you deduct the cost of private mortgage insurance, which is what you pay your lender each month if you put down less than 20% on a home. PMI protects the lender if you default on the home loan. Your deduction could amount to a couple hundred dollars depending on your tax bracket and other factors.

Energy-Efficiency Upgrades

This sweet little tax credit lets you offset what you owe the IRS dollar-for-dollar for up to 10% of the amount you spent on certain home energy-efficiency upgrades, from insulation to water heaters. On the downside, the credit is capped at $500 (less in some cases). But on the bright side, the right improvement could lower your utility bills indefinitely.

Related: Take back your energy bills with these high-ROI energy-efficiency practices.

Debt Forgiveness

When you go through a short sale, foreclosure, or deed-in-lieu, your lender typically lets you off the hook for some or all of what you owe on your mortgage.

That forgiven mortgage debt is income, on which you'd typically have to pay income tax.

Suppose you're in financial distress and your lender agrees to let you short-sell your home, say for $50,000 less than you owe on the mortgage, and forgive you for the balance. Without the protection of the Mortgage Debt Forgiveness Act, you'll owe income tax on that $50,000.

It's likely if you had the money to pay income tax on $50,000, you'd have used it to pay your mortgage in the first place.

New Simplified Option for the Home Office Deduction

This may be the last year for the benefits above, but a new one kicks in for the 2013 tax year. If you work from home, you may qualify to use a new, simplified option for claiming the home office deduction when you file your 2013 taxes.

How much simpler is it? It lets you claim $5 per sq. ft. for up to 300 sq. ft. instead of having to compute the actual expenses of your home office using a 43-line form. To calculate the square footage of your office, just multiply the length of two walls. For example, an 8-by-10-foot room is 80 sq. ft. And at $5 per, that's $400.

Although using the simplified option is obviously easier, the basic requirements for claiming the home office deduction haven't changed. Your home office still must be used for business purposes:

            •Exclusively, and

            •On a regular basis.

Related: Which Home Office Set-Ups Qualify for a Deduction?

Why Might the Tax Benefits Not Be Renewed?

Although the expiring tax benefits were renewed retroactively in past years, that may not happen in 2014 because many in Congress would like to see comprehensive tax reform rather than scattershot renewals of individual provisions. This could delay a decision on the homeownership tax benefits until the big picture budget and tax issues are resolved.

So if you can, enjoy them now!

Article From HouseLogic.com | By: Dona DeZube