Showing posts with label Homeownership Matters. Show all posts
Showing posts with label Homeownership Matters. Show all posts

Friday, December 7, 2012

8 Tips for Keeping Pests Out of Your Home

There are of course many, many different kinds of pests out there that want to get into your house. Depending on what part of the country you live in, its climate, and your own propensity for taking out the trash, you may end up dealing with a relatively benign infestation of easily squish-able ants or the repeated clawing of a possum looking to bust through the floor of your raised home for reasons only a possum knows. Below are eight things you can do to keep a broad range of unwanted critters outside of your home where they belong.


1 Seal your home:


Mice, rats, and cockroaches are just a few of the lovely visitors who can find their way into your home through the tiniest of cracks, including cracks in your foundation and between your walls and floors. Caulking, a foam sealant, or steel wool are all materials you can use to effectively seal up those cracks. As an added bonus, by sealing up your home you save energy, which in turn saves you money on the cost of heating or air conditioning your home.


2 Keep food in canisters:


Pests can get into food even when it’s shelved in cupboards that close and contained in its cardboard or plastic packaging. Hard canisters, either metal or plastic, are a great alternative for storing and keeping food fresh and deterring mice or cockroaches. As an added preventive measure, you should regularly wipe down any area where food is shelved and stored in your home.


3 Rake soil and mulch away from house:


To keep pests like termites and other insects out of your home, keep soil and mulch raked away from the structure of your house. Experts suggest you keep firewood at least 20 feet away from your home and five inches off the ground in order to deter termites. You should also keep your gutters cleaned out, your bushes trimmed back, and your lawn regularly mowed.


4 Clean under kitchen sink:


The space beneath your kitchen sink can be both moist and cluttered, which is a combination pests love. Take a half hour to remove all the stuff from beneath your sink and clean the area thoroughly. Check for leaks and be sure to seal up any cracks where a pest might enter.


5 De-clutter:


Pests love to hang out in piles of stuff, including newspapers, cardboard, and dirty clothes. Make it a project each season to do a serious cleaning of your home, throwing out or better yet recycling stuff that has piled up over the months. If you discover droppings as a result of your cleaning, you’ve got pests and may need to call an exterminator.


6 Vacuum:


Vacuuming regularly ultimately won’t get rid of an infestation of fleas or bedbugs, but as a preventive measure, it’s extremely effective and only costs whatever you end up paying for the electricity you use. To make sure any pests you sucked up don’t return to your environment, after each vacuum, be sure the empty the vacuum bag outside.


7 Clean and plug drains:


When water subsides in the sewers, cockroaches, sometimes euphemistically referred to as “water bugs,” can find their way into your home by climbing up out of your drain. Keeping your drains clean is a smart thing to do regardless, and doing so will also help deter these unwanted visitors. Try using a combination of baking soda and vinegar to clear and clean your drains, and use a chemical product like Drano just once a month. When not in use, keep those drains plugged!


8 Call an exterminator:


Keep in mind that some pests are just impossible to eradicate without professional help. If you own a home, consulting with and hiring an exterminator is a good investment, especially in areas of the country where termites are prevalent. A good exterminator will closely inspect your home for pests and treat it accordingly, depending on what evidence he or she finds of an infestation.


Tuesday, July 12, 2011

Could You Have Liens Against Your Property Without Knowing It?

Sometimes when a seller goes to transfer their home they get an unwelcome surprise: mystery liens. Realtor® Christine Shoemaker explains that some home sellers may have liens against the property they may not even be aware of:

Most purchase agreements allow the seller up to 30 days to clear up liens against the property that they might not know anything about. Just last week we had a closing where the homeowners had paid off their mortgage but there was a lien against the property for a line of credit they they never even used and didn’t know was there! Without some quick action by me and the owners of the property this situation could have easily delayed the closing adding additional hardships for both buyer and seller.

Did you know that it can take up to two weeks to ‘close out’ a equity line of credit even if there is a zero balance?! Hard to believe but true. In this age of hyper-vigilant banking practices most lenders want extra time to make sure you didn’t make some last minute purchases using your line of credit after you sold the house. So, if you’re thinking about selling and you think you don’t owe your mortgage lender any money it might be to your advantage to sit down with your local branch manager and make sure.


Read more: Could You Have Liens Against Your Property Without Knowing It? | REALTOR.com® Blogs

Wednesday, February 23, 2011

Shopping Tips for Buying a Home Warranty

Home warranties can be attractive to home owners or buyers who are looking at purchasing a property. These service contracts can cover all of a home’s major systems, such as the furnace or air conditioner, and will cover needed repairs if the appliance breaks or damaged.

Some sellers are offering a home warranty to try to lure buyers.

But not all home warranties are the same. Experts say you should carefully weigh costs, policy allowances, and customer feedback before making a decision so that you ensure you’re getting the best deal. Home warranties cost about $250 to $500 a year.

Here are some more tips from experts in shopping for a home warranty:

▪ Find customer reviews. Web sites, such as homewarrantyreviews.com, provide reviews of home warranty companies. You also might check how each company is rated with your local Better Business Bureau.
▪ Check for extra fees. Will you have to pay a fee for service calls?
▪ Check the coverage allowance. Are there any exclusions to coverage? Will the allowance cover the entire cost of a broken appliance or just some of it? For example, if you have older appliances and mechanicals, will the policy cover the full cost of replacing it or just the depreciated value? If the policy only covers the depreciated value when a 20-year-old furnace dies, for example, the reimbursement may not be enough to buy a new one. Also, verify what appliances are all included in the coverage. Some companies will allow you to add coverage for swimming pools, while others won’t.

"The biggest thing is awareness of what the exclusions are," Greg McBride, a senior financial analyst at Bankrate.com, told the Chicago Tribune. "The mere presence of a warranty, by nature, tends to have exclusions. Being aware of that can aid in the decision-making process."

Source: “When Home Warranties Are Worth It,” Chicago Tribune (Feb. 8, 2011)
http://www.realtor.org/RMODaily.nsf/pages/News2011021105?OpenDocument

Tuesday, February 15, 2011

February 2011 Do-It Yourself Home Maintenance List

February is a great time to accomplish simple tasks that will add to the value and appearance of your home. We hope that you are enjoying the unique experience of being a homeowner! We have done a little research and have compiled a list of quick, easy projects that you might enjoy!
If you need additional tips or advice, please feel free to call us anytime at 812-499-9234 for Rolando and 812-499-0246 for Kathy. We would be happy to hear from you and would love to offer any guidance that we can!

FIVE QUICK AND EASY HOME IMPROVEMENT PROJECTS

Go green:
A few changes to the landscaping of your home can make a world of difference! You might want to consider planting some fruit trees in the backyard, adding a touch of color with some bright and unusual flowers or perhaps finally starting the vegetable garden you've always dreamed about.
 Add a touch of color:
Feeling creative? Why not give the family room, bedroom or bathroom a whole new look? By focusing on the improvement of one room at a time, you'll find that what can seem like an overwhelming job becomes fun and simple. Repainting a single room can be inexpensively completed over a single weekend.
 Bright and beautiful:
Replacing the light fixtures in your house with personally selected pieces can drastically increase your home's beauty and value. Choose a cohesive look for the entire house, or decorate room by room! The installation of new fixtures is generally a quick do-it-yourself task.
 Tile it up:
While it might seem like a daunting task, installing new tile in a kitchen or bathroom can be easily accomplished with a little know-how and the right supplies. Your local home improvement warehouse will have everything you need to revamp and personalize the flooring of your choice!

The beauty beneath:
 Always dreamed of having beautiful hardwood floors? Choose a room, pull up the carpet, and you'll be on your way to accomplishing just that! Repairing, refinishing and staining the floor is a simple step-by-step process that you can achieve without the heavy expense of installing new wood panels.

While it might seem like a daunting task, installing new tile in a kitchen or bathroom can be easily accomplished with a little know-how and the right supplies. Your local home improvement warehouse will have everything you need to revamp and personalize the flooring of your choice!Replacing the light fixtures in your house with personally selected pieces can drastically increase your home's beauty and value. Choose a cohesive look for the entire house, or decorate room by room! The installation of new fixtures is generally a quick do-it-yourself task. Feeling creative? Why not give the family room, bedroom or bathroom a whole new look? By focusing on the improvement of one room at a time, you'll find that what can seem like an overwhelming job becomes fun and simple. Repainting a single room can be inexpensively completed over a single weekend.
A few changes to the landscaping of your home can make a world of difference! You might want to consider planting some fruit trees in the backyard, adding a touch of color with some bright and unusual flowers or perhaps finally starting the vegetable garden you've always dreamed about.

Tuesday, February 8, 2011

Forget the 'Starter Home,' New Buyers Want More

First-time home buyers once set out to buy a “starter home,” which refers to an entry-level property that is affordable and often needs some updating. But new buyers are forgoing the “room for improvement” home, and are getting more choosy in their home shopping.

Eighty-seven percent of first-time home buyers said they want to purchase a home that is move-in ready, according to a survey from Coldwell Banker Real Estate, which surveyed 300 first-time home buyers in the last year. First-time home buyers made up half of the market in 2010, according to the National Association of REALTORS®.


"There's a real 'aha' moment for sellers revealed by this survey that the condition and quality of their home matters a great deal to first-time home buyers," says Diann Patton, a consumer real estate specialist with Coldwell Banker Real Estate LLC. "On top of that, our agents have reported that on average, first-time home buyers now look at more than 11 homes before making decisions, which is higher than in the past. They can be choosy about what appeals to them and are recognizing the benefits of the low prices and wide selection of homes in many areas."

Location is a key deciding factor when looking for a home: 78 percent of new buyers said the home had to be in an area convenient to shops and services, according to the survey. What’s more, three-quarters of buyers said it was important to be near their workplace, and nearly two-thirds said it was important to be close to "highly rated" schools.

Many first-time home buyers said the current real estate market offered them more opportunity than they had expected. For example, half of new buyers said they found a home in a more desirable neighborhood than they expected; 61 percent were able to get the home at a better price; and 40 percent got more space than expected.

Source: “Coldwell Banker Real Estate Survey: First-time Buyers Demand New Kind of ‘Starter Home,’” Marketwire (Feb. 8, 2011) http://www.realtor.org/RMODaily.nsf/pages/News2011020801?OpenDocument