How to Lower Your Heating and Cooling Costs

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How to Lower Your Heating and Cooling Costs in your Gilbert Homes

Posted on march 6, 2015

When temperatures drop below freezing or rise to the point of sweltering, does it seem like your wallet develops leaks? If keeping your home comfortable year-round taxes your budget or tempts you to forgo comfort, you need to find a better way.

Try implementing simple methods to lower your heating and cooling bills.

Save on Air Conditioning
If you didn't have to heat or cool your home, you could easily cut your energy bills in half, as the Department of Energy points out. Few people want to return to the days before air conditioning and central heat, however. The problem, then, is balancing comfort with affordability. Try implementing these cooling strategies to save money while keeping cool.

Raise the AC temperature. Most experts suggest setting your thermostat to about 78 degrees when you're at home and around 85 degrees when you will be gone four hours or longer. For every degree higher you set the thermostat, you may save 1 to 3 percent on your energy bill.

Get a tune-up. As much as you may hate to spend the money, having your central air or window air conditioning unit serviced before the start of the cooling season will keep it operating efficiently and help ensure it doesn't break down at the worst moment possible.

Create wind chill. Moving air always makes you feel a little cooler. Purchase, install and run fans to help cool off even with the thermostat set higher. For ceiling fans, set the blades to spin counterclockwise, creating a cooling downward breeze. Turn off fans when you leave the room for more than a few minutes to conserve energy.

Take advantage of cool nights and mornings. If the temperature outside is lower than inside, turn off the AC, open the doors and windows, and allow the outside air to come in. Not only is fresh air healthy, but you can keep your house from heating up too early in the day.

Develop a green thumb. Trees and shrubs beautify your property and, when planted strategically, help shade your home. Shade means less need for summer cooling. Also, plant shade trees or shrubs around your AC unit so that it doesn't have to work as hard.

Block your windows. Save soaking up the sun for time spent outdoors. Inside, draw curtains to block out the sun. Look into window film to block sunlight and insulate the glass. Blinds, shades, shutters and other options exist as well.

Save on Heating
Don't let winter's frigid temperatures make your energy bills soar sky-high. Focus on a few strategies that keep the cold at bay while preventing the heat from leaking out of your home.

Lower your heating thermostat. When heating your home, keep your thermostat set at 68 degrees. At night and when you leave the house for four hours or longer, try setting it for between 55 and 60 degrees (if you have pets, you may want it closer to 60).

Have your furnace serviced. Even if it seems to work fine, having your furnace or heating system checked and serviced at the start of every heating season helps prevent unexpected breakdowns and ensures it operates efficiently.

Reverse your ceiling fans. Using ceiling fans isn't just for summer. In the winter, reverse the ceiling fan so the blades spin clockwise. This forces the warm air down as it sucks the cool air up toward the ceiling.

Install storm windows. Your windows are responsible for losing a tremendous amount of energy. New, energy-efficient windows are best if you can afford them. If you can't, install storm windows (and doors) in the winter to help prevent heat loss.

Get a snake. Don't like snakes? You'll like this one: Draft-stopping snakes fit along the bottom edge of a door to prevent drafts. Even a rolled-up towel will work.

Year-Round Heating and Cooling Efficiency
Change your filters. Changing HVAC filters is critical. Changing your filters will prevent dust and dirt from clogging the system and causing inefficiency.

Learn to use caulk and weatherstripping. Check for drafts around windows, doors, and places where wiring, plumbing and other items enter the home. Caulk and weatherstripping will stop much of the air leakage. Use expanding foam insulation where appropriate.

Seal your ductwork. Duct tape only goes so far. Hire a professional or seal your ducts with sealant and special tape to increase your energy efficiency.

Add some insulation. Unless your home was built recently, it may not have the insulation it requires. Insulation matters in both hot and cold weather. Add insulation, especially in the attic, to lower your heating and cooling bills. Calculate your insulation value by measuring the thickness and multiplying by the material's R-value. Compare to the Department of Energy's guidelines.

Get a new thermostat. A programmable thermostat can save you a significant amount of money by automatically adjusting the temperature according to your schedule.

Have an energy audit performed. A professional energy audit identifies where your home is losing heat. Many local energy companies offer free or low-cost audits to their customers.

Many people find it challenging to set their thermostat higher in the summer and cooler in the winter. Once your body adjusts, the new temperature won't be as difficult to maintain. Consider adjusting the setting by 2 degrees at a time over a period of weeks. Before you know it, you will be used to the new normal and enjoying every dollar you save.

Get more Green Living tips at www.SweeEastValleyHomes.com

Swee Ng, is a Gilbert resident specializing in win-win real estate transaction through great communication and fighting for his clients' best interest. After all, this is more than real estates, this is about your life and your dreams.

If you are looking to buy or sell your home in Gilbert AZ, we hope you will consider us.

Click here to View Gilbert AZ Homes for Sale

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Weekend DIY Projects to Improve Your Gilbert AZ Home Value

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Weekend DIY Projects to Improve Your Gilbert AZ Home Value

Posted on December 29, 2014

The best home improvements are those that have a high return on the investment. Remodeling Magazine publishes an annual Cost vs. Value Report, analyzing the ROI of 35 separate remodeling projects. You can even look at the return based on your region.

The report is based on the assumption that you're using professional labor to perform the remodel. You'll get an even higher return on your dollar, when it's time to sell your home, if you do the job yourself.

We've compiled our own list of DIY projects that buyers like, you'll enjoy in the meantime, and you can accomplish in a weekend. To keep it simple, we focused on two areas of the home that are key when it comes time to sell: the entryway and kitchen.

Upgrade Your Entry
As potential buyers walk up to your home, they can't help but notice the door. Upgrading to a new entry door is the perfect weekend DIY project. Even better, it's one of the projects listed on the Cost vs. Value Report, year after year, as a remodel that returns most of the investment upon the sale of a home.

According to the 2014 Cost vs. Value Report, a replacement steel door recoups 96.6 percent of the investment, while a new fiberglass door will offer an ROI of 70.8 percent.

However, the report factors in labor to determine how much of the cost is recouped. When you install the door yourself, your return can only be higher.

Even if you've never done anything similar, hanging a door isn't beyond your capabilities. Expect to spend less than a day on this project.

Touch Up the Kitchen
Everyone seems to gravitate to the kitchen, and many buyers consider it the most important room in a home.

For the first time in a decade, a minor kitchen remodel increases home value by almost as much as the money spent to accomplish it, according to the "Minor Kitchen Remodel" analysis included in the Cost vs. Value Report. Keeping in mind that the figures include labor costs, the report claims an average ROI of 82.7 percent on the project.

Any single item on our list will make a noticeable difference in the feel and value of your kitchen.

Refinish your cabinetry. Modern veneer kits make resurfacing cabinet boxes fairly easy. Take off the doors and remove the drawers first. After installing the veneer, put new drawers in place. Add new knobs and pulls as well. The result: new-looking cabinets at a fraction of the cost.

Replace the countertops. Depending on the new counter surface selected, replacing a countertop is fairly simple and not likely to take more than a day or two.

Install new sink hardware. A mid-priced sink and new faucet freshen up the look of an older kitchen. Don't be afraid to try a different style or material.

Go shopping. New appliances can only increase your home value. Focus on ovens and cooktops that offer greater energy efficiency.

Focus on the flooring. As much traffic as the kitchen witnesses, the floor gets worn out easily. Consider installing new flooring to raise the value of your home.

When contemplating remodel projects, keep in mind that it's possible to over-improve a home, depending on the neighborhood and real estate market. Compare your home's features to those of nearby homes to get a better idea of what will prove valuable – or not – in your area.

View more Home Owner tips at www.SweeEastValleyHomes.com

Swee Ng, is a Gilbert resident specializing in win-win real estate transaction through great communication and fighting for his clients' best interest. After all, this is more than real estates, this is about your life and your dreams.

If you are looking to buy or sell your home in Gilbert AZ, we hope you will consider us.

Click here to View Gilbert AZ Homes for Sale

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Measuring Gilbert AZ House Value of a View

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Measuring Gilbert AZ House Value of a View

Posted on December 22, 2014

Suppose you own a castle on the flats and your brother owns one high atop a hill that features amazing, unobstructed views. Aside from location, the two castles are identical. Which one has the higher resale value?

If you guessed that it's the hilltop castle, you are correct. When valuing two similar pieces of property, location is king and everything else is secondary.

While it's easy to say that the home with the view is "worth more" than the home without one, there are no rules on how much value the amenity adds.

Waterfront Views at Val Vista Lakes, Gilbert AZ

Agents and Appraisers
Real estate professionals are at odds over this. Some claim that there is no premium for a view while others say that a view can add up to 15 percent to the value of the home over others lacking the amenity.

Researchers Mauricio Rodriguez and C.F. Sirmans reject the notion that a view has no impact on home value. Their study, published by Texas Christian University, shows that a view adds between 5 to 8 percent to the market value of a home.

Professional appraisers—those folks that tell your lender how much your home is worth—are given vague guidance by the Appraisal Institute that when valuing a property they must consider the view. What the institute doesn't tell them, however, is how to arrive at that value.

Then there is the fact that a view may be distasteful. An auto dismantler or a rundown apartment building out of the dining room window, for instance, will drag down the value of a property. Either way, views are challenging to measure, whether that view is good or bad.

View Orientation
Is what you're seeing out the window located close or far away? Patrick Brown and Beverly McCabe, in a report prepared for the American Appraisal Institute, claim that a close-up view is worth more than a faraway view. For instance, the Golden Gate Bridge right outside your window is worth more than if the bridge were located several miles away.

The pair also finds, though, "In some contradiction, a near view of a prized view object is preferred over a far view, while the ability to see a far distance is prized over a vista that is foreshortened."

Then there is the orientation of the view from within the home. A view from the back of a house influences the home's value more than a view from the front, according to the pair.

"What really counts is the (ground level) view from the back, because that's where people live," Ernest V. Siracusa, a Southern California real estate market analyst, tells MSN.com.

This is because almost no one spends much time in the front of a house; most of the "living" goes on at the rear. Siracusa claims that he would give a view from the front of the home "zero view premium."

The additional value is added if the view is from areas of the home that are used the most, such as the master bedroom, dining room and kitchen.

The Worth of a View
After spending years studying the subject of the value of a view in newly constructed homes, Siracusa has come up with a range to measure the value added for different types of views and view orientations. It runs from 1 percent to 2.5 percent for a home overlooking open space to 15 to 20 percent for a water view, as long as the view is unobstructed.

He goes on to point out that if that view is of the ocean, the home may command up to 30 percent more than similar homes without the view.

That's helpful information for builders who are attempting to put a price on new construction, but what about older, existing homes?

Earl Benson, Western Washington University marketing and finance professor, may have hit on the answer. He tells Marilyn Lewis of MSN Real Estate that his studies of Bellingham, Wash. assessor's records combined with his own calculations showed that a home in that area with a water view would sell for $117,600 more than a home that lacks that view.

Put that house on the shore of either the ocean or a lake, and it would command a whopping $253,280 more at close of escrow than if it were located somewhere less attractive.

While the value of a residential view fluctuates depending on orientation, the subject of the view, and the amount of obstruction, studies seem to show that the amenity does add to the resale value of a home.

If you're fortunate enough to live in a room with a view, ensure that your real estate agent factors it into the calculations she performs to determine market value.

More Home Tips at SweeEastValleyHomes.com

Swee Ng, Realtor Keller Williams Realty who live, work and play in Gilbert AZ specialize in Residential Resale, First Time Home Buyer and Investment Homes.

If you are looking to buy or sell your home in Gilbert AZ, we hope you will consider us.

Click here to view Homes with View for Sale in Gilbert AZ

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Does a Hot Tub Increase Gilbert AZ Home Value?

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Does a Hot Tub Increase Gilbert AZ Home Value?

Posted on November 26, 2014

It's considered something of a luxury, and there's little wonder why: Hot tubs aren't exactly cheap. Depending on the size and other details, it may cost well over $1,500 for the tub alone. (Some outdoor, in-ground models can run $20,000.)

Then there's electricity and other needs, not to mention installation, delivery, preparing an area for it, and anything else you desire.

But having a hot tub increases your home's value, right? Well, maybe not. It does have certain advantages, however.

How Does a Hot Tub Affect Your Home Value?
There's no single rule for calculating how much installing a hot tub will increase the value of a given home – if it does at all. Some hot tubs may, depending on various factors.

Is it a portable hot tub?
So-called "portable" hot tubs are, as a rule, considered personal property and as such offer no added value to the house and land. And what is a portable hot tub? Any hot tub displayed on a showroom floor is a portable hot tub. It can be moved and relocated even if it is heavy and requires special equipment to deliver it to your home. Contrast portable hot tubs with permanent hot tubs: A permanent hot tub sits in the ground, much like an in-ground swimming pool. The plumbing is typically built-in as well. An in-ground hot tub may increase your home value, although generally not as much as you invested in the tub.

Is the hot tub built-in?
Even a "portable" hot tub may add real value to your home if it's built-in. If removing the tub will cause extra construction to close or cover the hole in the deck, patio, wall or such, then it is considered built-in and may increase the home appraisal. Even then, the exact amount may vary.

Where do you live?
The climate you live in also influences the affect a hot tub may have on property value. In northern climates, for instance, outdoor swimming pools don't always get much use. It's simply too cold most of the year. A hot tub, on the other hand, is a pleasant retreat in the coldest of winters – even if it is outdoors.

Residents of hot, southern climates probably won't appreciate a hot tub in the same way. In such markets, a swimming pool will likely raise your home value more than a hot tub.

Calculating Your Hot Tub's Value
Sometimes value is difficult to calculate. For some homeowners, the cost of installation or lack of resale value is secondary to the comfort and benefits of having a hot tub.

Even when they don't increase property value, hot tubs have another real benefit: They generate interest. Homes with hot tubs may get more inquiries when the home is up for sale.

To calculate a ballpark estimate of your hot tub's value once installed, the best thing to do is to consult a certified home appraiser. Real estate professionals may also be of assistance. They are aware of home value trends in your area at any given time and likely know if comparable homes in your neighborhood feature hot tubs. (If they do, then not having a hot tub could actually detract from your home value.)

How to Increase the Value of Your Hot Tub
When it's time to sell your home, of course you want it to look as nice as possible. Spruce up your hot tub to make it more appealing to potential homebuyers:
Replace old or damaged hot tub covers. Simply changing the cover can make a hot tub look more inviting.

Clean the tub thoroughly. Depending on the material, wash and shine the exterior. Wipe down the interior to remove algae, stains or other problems, and chemically treat the water or even change the water if necessary. Remove any debris in and on the hot tub before any home viewings.

Landscape around outdoor hot tubs. Present your spa area as a tempting retreat from the surrounding world. Build a fence to shelter it from neighbors, install mood lighting, plant greenery, make a brick or concrete path leading to the tub – anything that will help blend the tub into the home environment and increase appeal.

In the final analysis, if you're struggling with the thought of spending the money on a hot tub, ask yourself how long you plan to remain in your home. If you can't foresee selling and moving for a number of years, the actual financial return may be secondary to your enjoyment in the meantime.

Find more tips on SweeEastValleyHomes.com

Swee Ng, Realtor Keller Williams Realty who live, work and play in Gilbert AZ specialize in Residential Resale, First Time Home Buyer and Investment Homes.

If you are looking to buy or sell your home in Gilbert AZ, we hope you will consider us.

Click here to view Homes for Sale in Gilbert AZ

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Design Tips for Your Children's Playroom

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Design Tips for Your Children's Playroom

Posted on November 4, 2014

When designing a Gilbert Home's playroom for your children, there are some key factors to consider. This is a room where your children will learn, grow and flourish both physically and socially. It's important to craft an inspirational, fun and safe environment. Combine these elements to create a playful, carefree environment in your Gilbert AZ home.

Color & Theme
Consider your child's personality and preferences – and embrace them! Use vivid and bold colors such as red, blue, green, pink or yellow. Use them as your primary wall color, or go with a more neutral shade and accent with these hues. Consider decorative wallpapers as another option, displaying numbers, letters or other child-friendly patterns.

Themed playrooms are another popular option. This is where you really need to unleash your imagination. Consider a sports theme or even a Western ­or race car theme. Choose a garden or princess theme, or consider replicating a favorite fairy tale. Have murals painted on the walls or purchase themed decals that can be easily changed or removed.

Safety First
Creating a safe environment for your children is a top priority. Keep electrical sockets covered and consider using curtains as opposed to blinds. The loosely hanging strings on blinds can present a strangulation hazard if not properly secured. Choose age-appropriate toys and furnishing to help prevent accidents.

Organizing Tips
Don't let the playroom overwhelm you. Strategize in advance how to store books, toys and art supplies in order to avoid unwanted chaos. Keeping it organized not only helps maintain your sanity, but also creates a more enjoyable experience for your child.

One option is to separate the playroom into sections, each with a designated purpose. There might be a section for making art with an easel or table and chairs. A comfy seating area gives your child a place to enjoy books and quiet time. And a carpeted, open area makes it easy to play with toys or make up imaginative games.

Colorful baskets, buckets or labeled plastic bins in varying sizes make wonderful storage options. They are also a great way for your children to learn their colors and necessary sorting skills.

Shelving or cubbies in assorted sizes are a must. They are great for storing just about anything. Keep items such as plush animals, books and puzzles organized loosely on a shelf, or neatly stack your bins and baskets to hold things like toy cars, Legos, play dough and art supplies. Keeping storage bins organized will help your child remember where things go, making cleanup easier.

For oversized items, large toy boxes work great and keep floor space free. Consider hanging organizers with individual sleeves for items such as CDs or card games that require added protection.

Have fun with your playroom design. Use your creativity to fashion a captivating environment that inspires your children to have fun while learning.

Get more tips at SweeEastValleyHomes.com

Swee Ng is a Gilbert resident specializing in win-win real estate transaction through great communication and fighting for his clients' best interest. After all, this is more than real estates, this is about your life and your dreams.
If you are looking to buy or sell your home in Gilbert AZ, we hope you will consider us.

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Paint to Sell: Painting Tips to Ensure a Quick Home Sale

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Paint to Sell: Painting Tips to Ensure a Quick Home Sale

No matter how much you rearrange or decorate a room, nothing affects appearance like a fresh coat of paint. When you enter a house, your eye may be drawn to little decorative touches, but all the staging in the world will fall flat if your paint is drab, dirty, or goes against the potential buyer's taste. Considering that a gallon of paint is only about $25, it's also an inexpensive way to give your home a makeover.

Choosing Colors to Appeal to Homebuyers
Using colors that make the buyer feel "at home" will help you sell your home more quickly. You want them to look at each room and be able to literally see themselves and their belongings fitting inside your walls. Inspire a feeling of peace and relaxation, and part of the sale is already done!

Neutrals and soft colors create a soothing, calm atmosphere. Homebuyers can more easily visualize the paint colors they want when other colors aren't bombarding them at every glance.

Avoid bold, vibrant or dark colors. Even pure white can prove overwhelming. Stay away from trendy colors no matter how good they look to you.

Keep in mind color psychology. Not only do certain colors calm you, but the shade can also affect the room itself. Light colors make a space appear larger. Dark colors, on the other hand, make the room feel smaller. Of course, sometimes a darker color is good if you want a certain effect. A cozy den with a darker color and a bright, cheery kitchen with a lighter color may work best to highlight each room's appeal.

Neutral Shades
Even with neutrals, you still have a variety of colors to choose from. Off-white is a popular, all-purpose color, but it's not the only one. Beige, tan, eggshell and ecru are other colors that work well with almost any style. But your choices range even further: pale shades of blue, green, yellow and gray, for instance, can blend with the house and complement the room. Aim for colors that don't overpower the room or furnishings. Keep the color variations to a minimum to lend a sense of continuity to the house. If every room is a different color, it can prove overwhelming. It's much better to pick two or three colors to use throughout the house.

Painting Tips
Take the time to paint properly. Mask off areas that will be left unpainted. Throw down floor and furniture coverings to ensure you don't create damage during the process. Most importantly, prep the wall properly.

You may wish to spread a primer first to block bold colors. If the walls don't require color or stain blocking, sanding the walls slightly or washing with a solution of trisodium phosphate are other options. Both sanding and washing with TSP will remove dirt, oils and other contaminants that prevent the color from adhering well and looking good.

While you paint, take time and care to cut in the corners and avoid drips. Aim for the best paint job of your life – it will be worth it when the buyers sign on the dotted line!

If you can't afford to repaint your entire house, concentrate on a few select areas. The first room the buyer enters is the place to start – remember, first impressions count! Consider painting cupboards, trim and doors along with key rooms. Let your instincts guide you. Look around at other homes for ideas. If your home has a "parade of homes" that local builders showcase, you can glean a lot of tips in a short amount of time.

With a minimum investment, a little time and elbow grease, it shouldn't take long for you to have your home ready for its next owner.


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Swee Ng, Realtor Keller Williams Realty Sonoran Living specialty in Residential Resale, First Time Home Buyer and Investment Homes.
Visit www.SweeEastValleyHomes.com for your Gilbert Real Estate needs.
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8 kitchen remodeling ideas for under $500

Frugal ideas to remodel the kitchen
Remodeling a kitchen may sound like a big, expensive project. But the truth is that there are ways to breathe new life into an old kitchen without spending much money.

"A kitchen remodel can be done on any budget," says Lowe's spokeswoman Jaclyn Pardini. "The secret to success lies in careful planning. Conduct research ahead of time, find your inspirations, and know which projects you can complete yourself and which ones you'll leave for an expert."

Naturally, there are limits to what you can do on a budget. But many home-remodeling experts stress that moderately handy homeowners with just a little cash to spend can make a big difference in their kitchen. And if the work looks good, you're adding equity to your home, according Erin Davis, lead designer for Mosaik Design & Remodeling in Portland, Ore.

Here are eight kitchen remodeling projects that cost $500 or less.

Spruce up your walls
If your kitchen feels old, there's no better remedy than a coat of paint.

"Paint is by far the best bang for your buck," Davis says. "One of my design teachers once told me that a gallon of paint is worth $500 (in terms of) the value it brings to a space. Not only does it instantly change the feel of a space, but if you do it yourself, it will cost virtually nothing."

For about $100, a less time-consuming upgrade is to add molding to the area where your cabinets meet the ceiling.

"If you're handy with a table saw, it would only take you an afternoon to add a chunky piece of crown molding to the tops of your upper cabinets," says Atlanta-based DIY blogger Kelly Marzka, who runs View Along The Way. "This is an easy way to make inexpensive cabinetry feel like custom pieces."

Freshen up cabinets
New cabinets may sound expensive, but most DIYers know cabinets are one of the easiest, most cost-effective ways to revamp a kitchen.

One simple trick is to add or replace the hardware on existing cabinets.

"Hardware is like jewelry for your cabinets," Davis says. "You'll be surprised at how different your cabinetry looks with updated hardware."

Changing hardware is easy, and you can choose from many styles without spending more than a few dollars per piece.

Another, more involved, option is to paint the cabinets, which will make them look new without replacing them.

"All cabinets, even laminate ones, can be painted if you use a strong primer," says Jay Hart, CEO of Sold with Style, a New York home design firm.

Supplies should run less than $100. But before you paint, it's important to prep. Remove the doors from the cabinets, cover the hardware or remove it, and be sure to sand away old paint.

Float a new look for the sink
You don't have to be a plumber to give your kitchen sink a makeover, but you do have to be somewhat handy, according to Jamie Gold, a certified kitchen designer in San Diego and the author of "New Kitchen Ideas That Work."

You can replace the faucet on your sink rather easily in about an hour. But, says Gold, the costs vary dramatically. "Depending on the quality and features of the faucet, you could spend anywhere between $150 and $500."

A more dramatic option, and one that requires a little more muscle, is to replace the whole sink. The project will take a few hours, and it should run you between $250 and $500 for a new sink.

Update the lighting
If you've ever thought your kitchen might look better in a different light, you may be on to something, according to Davis.

"It is amazing what a great light fixture can do to a room," Davis says. "Just swapping out new fixtures in the existing locations is the most affordable way to go. Another good idea is to add recessed can lights to a kitchen to improve the general lighting."

If you're changing fixtures, Davis says most homeowners can do it pretty quickly on their own with some basic instruction. But adding recessed cans might get a little tricky for a novice. Thankfully, each high-quality recessed light installed by an electrician should run about $150, which includes materials and labor. And if you don't feel comfortable doing anything electrical yourself, Davis says it's possible to hire a good electrician for up to $95 an hour.

Renew counters and floors
New counters and floors will probably test your kitchen remodel budget and your handiwork. But if you're up for it, either one of these changes can have a dramatic impact on your kitchen's appearance.

At about $2 a square foot, Hart says homeowners shouldn't overlook vinyl flooring, which "has come a long way."

When it comes to countertops, homeowners have even more budget options. Granite tile can give you a granite look without the price of a granite slab, says Gold, who adds that you can tile over existing tile if you rough up the underlying surface with a sander.

Similarly, Davis points out that you can install laminate countertops on top of existing counters. Hardware stores sell countertops for as little as $45 per section. And if you're looking for an installation tutorial, the experts say you can find a lot of quality presentations on YouTube. Just remember to keep a laptop or tablet handy as a reference.

Buy (almost) new appliances
Changing an appliance will push the outer limit of any budget. But if you're willing to accept minor imperfections, it is possible to pick up a new appliance for less than $500.

"You can update appliances by going to a 'scratch-and-dent' store where they sell new appliances at a steep discount due to minor cosmetic flaws," Gold says.

The term refers to cosmetic blemishes that preclude retailers from selling the appliances as new, but when it comes to functionality, the buyer is getting a new product.

Unfortunately for your budget, unless you're talking about a new refrigerator, you may have to hire someone to install the new appliance, which could add a few hundred dollars to the project.

Add a backsplash
You may not think the wall space behind your sink offers a lot of design potential. But the truth is that adding a backsplash is one of those small changes that can have a big impact.

"One of the easiest ways to spruce up a kitchen is to change the backsplash," says Christine Tse, an interior designer in New York City. "This small change will instantly change your kitchen from drab to fab."

The cost will depend on the size of your backsplash and the type of material you choose. Coming from New York, Tse says she's fond of subway tiles, which can run about $350 for 12 square feet. If you want something high-end like white Carrara marble, you should plan on spending about $450. But if you want to keep costs down, you can hunt around for options in the $200 range.

You'll need to block out a day to do the job, or two days if the tiles need grout work. But the good news is you don't have to be a tile expert to put in a backsplash. A lot of hardware stores run free weekend classes that show you how to do these projects.

Install more storage
If you're strapped for storage in your kitchen, you probably aren't doing yourself any favors in the aesthetics department.

"Clear the clutter by moving cookbooks and other clutter off of the countertops and adding some floating shelves to the walls," says Dorothy Myers, a Realtor and interior designer at Sky Real Estate in Washington, D.C. "There are all kinds of wonderful storage solutions to organize kitchen cabinets and to move those often-needed items off of the countertop and into the cabinets or onto the walls that will be functional and beautiful."

The shelves you pick will drive the cost, but Myers says you can pick up thick floating wood or glass shelves for about $40 each. Thinner, less expensive shelves can be had for as little as $5 apiece.

A moderately handy homeowner should be able to do the project in a few hours, according to Myers.

"Just make sure that you anchor the shelves to studs to ensure that the shelves can hold some weight, if your wall is drywall," Myers says.

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How To Design A Kid-Friendly Backyard

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How To Design A Kid-Friendly Backyard

One of the pleasures of having a home is the space that a backyard provides for activities with family and friends. A backyard can be a great place for kids to burn off energy, explore the outdoors, and simply relax.

When children are small, care should also be taken to ensure their safety. The following are things you can do to design a kid-friendly backyard that is both fun and safe.

Maximize Exercise Space

It's tough these days for children to get enough exercise, but an area dedicated to lawn makes a more kid-friendly backyard. Provide enough space to run around, play tag, or throw a ball. The shrubs around this activity area should be tough, thorn-free, and able to withstand occasional abuse from balls or kids running into the beds.

Plant Fruits and Vegetables

Getting kids to eat their fruits and vegetables can also be a challenge. Why not make eating colorful, nutritious food more interesting by letting children grow their own fruits and vegetables? Tomatoes, potatoes, carrots, raspberries, and blueberries are all easy to grow. When children see fruits and vegetables go from seed to plate, they are more likely to eat them.

Create Interesting Garden Spaces

Is there anyone who hasn't played hide-and-seek? Providing a lawn isn't the only way to ignite a child's sense of play and creativity. Gardens can be divided into "garden rooms." Think of the lawn as the living room of the backyard, but you can also create a cozy nook with a bench surrounded by shrubs. This kind of space might provide a great kid-friendly place to read a book or the perfect hiding place for that next game of hide-and-seek.

Provide Protective Fencing

Designing a kid-friendly backyard is also about safety. When young children are present, it's important to provide protective fencing that not only keeps them from wandering off, but also keeps strangers and stray pets from coming into the backyard.

Provide Guardrails on Decks and Site Walls

Generally, building codes call for guardrails on any raised surface, deck, or wall that is 30 inches above the ground or adjacent surface. Handrails are needed on any staircase with four or more steps. The openings on guardrails and handrails must be sized so that a 4-inch sphere cannot pass through in any direction. This is also true for fence pickets.

Don't Plant Poisonous Plants

Babies and toddlers are always putting things in their mouths. Leaves, bark, colorful flowers, and berries can all look very enticing to curious, young children. Before planting any plant in your backyard, do a little research. Look the plant up in a plant encyclopedia or online and see if it is poisonous. Some very common plants are poisonous: daffodils, daphne, foxgloves, and rhododendrons, just to name a few.

Don't Allow Unrestricted Access to Pools and Water Features

Babies and small children can drown in a surprisingly small amount of water. Therefore, it's important to supervise children around swimming pools, hot tubs, fountains, and water features. These water-based amenities can provide hours of enjoyment, but their location and access to them should be carefully planned to prevent accidental drowning. Provide locked doors or gates where appropriate to prevent small children from playing in water unsupervised.

Designing a kid-friendly backyard involves finding ways to inspire creativity and play within a safe environment. It's as easy as that. Now go outside and play!

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Adding Art Deco Style to Your Living Room

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Adding Art Deco Style to Your Living Room

Made popular in the 1920s and 1930s, the elegance and glamour of art deco design can be resurrected in your home today. Art deco swept the interior design world in Europe and the United States beginning in the mid-1920s. Signature elements of the design include distinct geometric shapes, shine and a bold reflection of world culture and modernism.

The famous art deco buildings of Miami are standout examples of this design, but there is much more to this style than those structures and pastel colors. The lavishness and sleek glory of the art deco lifestyle highlights contrast and drama at its finest.

Designing your living room in art deco style makes a statement in all areas of the room.

Floors

In many ways the art deco living room begins with the floors. Linoleum tiles, lacquered wood, or polished parquet wood is the base for the rest of the room. Today, linoleum and parquet wood get a bad reputation for being cheap or ugly because of inexpensive peel-and-stick options available at big-box stores. That is not the case with these floors.

The materials that make up the art deco floor are made of high quality products that are durable with a heavy sheen. Linoleum tiles or wood pieces are arranged in patterns to create interest in the room. Checkered or border patterns are good tile options. Classic black-and-white tiles can work well with this style. Wood patterns can be alternating dark and light squares or planks, the traditional herringbone pattern, or any number of other patterns. Large area rugs with outstanding geometric shapes, Egyptian zigzags, or sunbursts often secure the room or delineate areas of the living space. Circular rugs can break up the angles of the rest of the room.

Colors

Although any color can work with this style, there are a couple sure ways to go when choosing a color palette. Choosing a mellow cream or beige as the main color allows for bolder accessories or pops of brighter color throughout the room. Neutral color families also work well with lacquered wood and wood inlaid furniture. Bold wall colors tend to go well with metallic furniture and accessories.

Furniture

A few large pieces of furniture will easily fill an art deco living room. A large, streamlined sofa or loveseat flanked by comfortable yet sleek chairs will provide the seating for the room. A side table or coffee table, also in a glossy design, can be used to enhance the seating area. Glass, metal or unadorned wood make perfect tables for this room. Mirrored armoires can add a little luxury to the room and hide modern televisions and media players.

Accessories

Selecting accessories is easy and fun when you use your floors, color palette and furniture as a guide. Silver and chrome provide the shine that is indicative of the art deco style. Window treatments are downplayed with this type of décor. Simple drapes, cornice boxes or solid colored valances can act as accents for the windows. Leaving windows uncovered also works for this style. Fabrics should be solid colors or include some of the patterns mentioned earlier. Pillows and throws are places to use some of those pops of bold colors. Use framed movie posters, magazine covers, original artwork of the era, or art that channels its heyday to echo historic aspects of art deco design. Mirrored or shiny boxes can top tables or shelves alongside small statues.

Seek Out Art Deco Treasures

Making the old new again is the key to this style. Art deco originated at a time when artifacts of exotic cultures were being discovered and brought to Europe and the United States. Archeological finds provided inspiration for this style. Think of those Egyptian zigzags or the South American stucco influence of Miami's buildings. Visit antique stores, collectors or consignment furniture stores for international vintage pieces to add to your living room as focal points. These art and sculptural finds paired with the right furniture will create a perfect art deco setting.

Own It

The art deco style of today is still reminiscent of a certain swagger of times gone by. It's not lacey or romantic. When you incorporate art deco elements into your interior design, the result can be a style that is amazingly bold and sharp-angled, simple yet very sophisticated.

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Financially Responsible Ways to Pay Down Your Mortgage

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Learn about smart ways to pay down your mortgage in a way that benefits you the most.

So you're interested in a mortgage where you have lower interest rates, an earlier payoff date, and smaller monthly payments. Good news: There are a number of smart and financially sound ways this can be accomplished, according to national mortgage expert, Joe Gross, who launched the "Your Home - Your Future" radio show that talks about various mortgage topics.

"Yes, there are several good options available that can assist you in paying off your mortgage in a responsible manner," says Gross. "But you want to make sure that you choose one that will best fit your particular financial situation."

And although everyone's needs and financial situations differ, there are some facts about paying off your mortgage that apply across the board.

Check out our list of five smart ways to pay off your mortgage, along with reasons why.

Smart Tip #1: Consider if Refinancing is Right for You  
Refinancing could be a smart way to help pay off your mortgage, since some of the benefits of refinancing might include a lower interest rate, which means you could afford to pay off more of your loan in less amount of time.

And Gross says now is a smart time to refinance because interest rates are at a historical low.
Just how low? According to Mortgage News Daily, an organization that provides housing news and analysis, rates were at 3.62 percent as of March 19, 2013.

"If a person is currently paying 6 percent interest on their mortgage, they could get their interest lowered to 4 or 3.5 percent through refinancing," explains Gross. "As a result, their monthly payments will automatically be lower, and they will save money."

However, there are a few things you should consider before going through with a refinance, says Gross.

"What you need to look at is how much money you will save on a refinance, and based on that, make the decision," he says.

You'll also want to consider refinancing closing costs, which typically will run you about 3 to 6 percent of your amount loan, according to the Federal Reserve's mortgage refinancing guide. And if you can't recoup those costs with the money you save through refinancing, then it's probably not worth it.

Plus, he says, it's also important to look ahead and see how the refinance will affect your future. He warns that although you're saving money, you're also putting years back on your mortgage.

"Say, for example, someone has originally taken out a 30-year mortgage, and when they're down to say eight or nine years into the mortgage, they're going to take a lower interest rate and save money," says Gross. "But they're also going to add again the eight to nine years back, and they're starting over again with the 30. So you really need to consider these things before going through with a refinance."

Smart Tip #2: Make Extra Principal Payments or Change to Bi-weekly Payments
Making extra principal payments might be a good way to pay off your mortgage early, since you'll be paying less in interest overall. The principal payment goes directly toward the money actually owed on your mortgage - whereas a regular monthly mortgage payment goes toward both the principal and interest that is owed.

When you pay down your principal, you'll not only pay off your loan sooner, but you'll also save on interest - since the amount you pay in interest will be calculated based on a lower amount. And just one extra payment a year could help in the long run.

In fact, "If you have a regular job and you're not self-employed, and know exactly what your income is going to be each month, and you have a few extra dollars, I would say it pays to throw in an extra principal payment maybe once a year," says Gross.

But if coming up with the extra money to make that payment seems close to impossible, you may want to consider a bi-weekly payment plan - which has less of a shock on your wallet than just outright making an extra payment.

Here's why: With the bi-weekly plan, you make a mortgage payment every two weeks. So if your monthly mortgage payment is $1,200, for example, you would pay $600 every other week. And since there are 52 weeks in a year, you'll be making 26 payments - or 13 monthly payments - without really realizing it.

With either option, however, be sure to make a note that the extra payment should be going toward your principal. Otherwise, your lender may just put it toward both your principal and interest, which won't help as much in the long run.

So just how much can one extra payment per year pay off? Let's say you owe $200,000 on your 30-year fixed-rate loan which has an interest rate at 4 percent. If you made one extra payment per year, you could own your home four years sooner, and save over $22,000 over the life of the mortgage.

Smart Tip #3: Don't Pay Off Your Mortgage if You Can Get a Higher ROI elsewhere
Drag out your mortgage payments? At first, that might seem downright silly. But, in some circumstances it would be in the homeowner's best interest to not pay off their mortgage quickly.

One circumstance is if other investments will yield a better return, says Gross.

Gross offers an example: Let's say you currently have a mortgage where you're paying 4 percent interest, and it will cost you $50,000 to pay off your mortgage. If you have an investment opportunity that will yield a 6 or 12 percent return, it could be a smart option to invest that $50,000 instead of using it to pay off your mortgage, he says. That's because if you're borrowing at 4 percent and you have the opportunity to see even a 6 percent return on an investment, that's a potential 2 percent gain that could go straight into your pocket (after you pay taxes on it, of course).

Secondly, Gross says not paying off your mortgage quickly could also help lower your tax bracket.

"Right now, there's an interest deduction on your tax returns," says Gross. "So if you use the $50,000 to pay off your mortgage early, you lose the mortgage interest deduction on your taxes."

Smart Tip #4: Make Sure You Have Liquid Assets for Emergencies
Since life can be unpredictable, it's always wise to have available liquid assets - something that can be quickly converted into cash, such as stocks, bonds, treasury bills, and money-market fund shares - as financial backup in the event of an emergency or any other situation that would require ready cash.
And if you're using up your liquid assets to pay down your mortgage faster, you may want to rethink your strategy.

"You always want to have liquid assets," asserts Gross. "Typically I would suggest having at least three months of mortgage payments that are liquid. That's certainly important, because you never know when you might need some emergency cash."

So that means you might want to put the brakes on paying off your mortgage quickly if you're using your liquid assets to do so. If you find yourself in a situation where you have to borrow money in the future, it's highly unlikely that the cost of borrowing the money will be as low as your mortgage interest rate is.

via yahoo homes

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5 Dirt-Cheap Home Staging Ideas

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When it comes to selling your home, appearance is everything. But hiring a professional "stager" to prepare the home for prospective buyers can cost anywhere from $50 to $150 per hour, according to Jessica Page, a Realtor with Innovative Real Estate in Denver.

Fortunately, homeowners can take matters into their own hands.

Page, along with veteran Florida Realtor Jennifer Radice, of Coldwell Banker in Boca Raton, share expert tips for staging your home that cost next to nothing.

Pack away personal items
Packing away personal items is one of the simplest -- and cheapest -- things you can do to sell your house or condo quickly, according to Page and Radice.

"The reason you want to 'de-personalize' your home is because you want buyers to view it as their potential home," Page says.

Prospective buyers won't be able to picture themselves in the house if they're surrounded by dozens of photos of your children and grandparents.

"Pictures are extremely distracting. You cannot believe how long potential buyers will stop and stare at people they do not know in photos," says Radice, who also recommends removing any religious items from plain view.

"You want your home to show like a model," Radice says.

In addition to attracting the buyer, "you want the buyer's agent to enjoy showing the home. You never know whom they may have, if this particular buyer is not interested," says Radice, who is in the top 1 percent of Realtors nationwide.

The cost: $2 to $3 for a roll of packaging tape. You already have the scissors on hand and you can often score the boxes for free from a neighborhood store.

Clear away clutter
Ridding your home of clutter is another simple way to get buyers to focus on the bones of the house, not the titles in your CD collection.

"This is the hardest thing for most people to do because they are emotionally attached to everything in the house," Page says.

"After years of living in the same home, clutter collects in such a way that may not be evident to the homeowner. However, it does affect the way buyers see the home, even if you do not realize it. Clutter collects on shelves and countertops, and in drawers, closets, garages, attics and basements," she says.

Radice recommends removing items from countertops in the kitchen and bathrooms.

"If you have kids, get rid of the toys all around the house. For all you know, the buyers could be empty nesters," Radice says.

She suggests putting things in boxes and neatly stacking them in the corner of the garage. Anything extra should go in a small, rented storage unit.

Even better, ask a friend or relative to hang onto your items for free.

"Pack up 90 percent of your home," Radice says.

The cost: The price of a storage unit varies (around $45 a month for a 5-foot-by-5-foot unit).

Rearrange and neutralize rooms
Rearrange the rooms in your home to reel in prospective buyers. Make sure each room has a distinct, useful purpose.

Page suggests touring builders' models to see how the rooms are furnished.

"Builders are experts on preparing their product for prospective buyers," she says.

Radice says closets should be "neat and organized."

"The pair of shoes that you haven't worn in 10 years, get rid of," she says.

If your home has been painted recently, consider yourself ahead of the game. If not, take a paintbrush to the rooms that need it most. Sellers who paint the interior of their home will see a large return on the investment, Page says.

"Fresh, neutral paint on the walls, trim and doors is worth its weight in gold -- it makes everything appear clean and new," she says.

The cost: Anywhere from $12 to $50 per gallon for paint, plus another $10 to $50 for other painting supplies (primer, brushes, drop cloths, etc.) You can get back some of that money as a refund on your taxes for any items you donate to charity (such as those extra shoes in the closet).

Scrub and deodorize
No one wants to look at a dirty, smelly home -- especially not prospective buyers. So make sure your house or condo shines from top to bottom.

Page says cleaning and deodorizing a home before every showing "should be first and foremost."

The goal is to help buyers imagine themselves living in the home, Page says.

"When buyers see an unkempt home or smell something when they first walk in, they become turned off immediately," Page says. "They can rarely see past it to look at all of the great features in the home."

Radice suggests having the house professionally cleaned so that everything is spotless -- windows, sliding glass door tracks, garage, basement, ceiling fans, etc.

"This is worth the money spent," Radice says.

She also recommends baking cookies in the oven, bringing cinnamon sticks to a slow boil in a pot of water or using air freshener to mask smells before each showing. Ridding the home of litter boxes is also a must.

The cost: Varies by the location and size of the home cleaning service, but typically less than $100 to clean a four-bedroom, 2,500-square-foot home. Cookie dough runs about $3.

Enhance curb appeal
Whatever you do, do not overlook the home's exterior when selling.

"Curb appeal is just as important as cleaning the inside of the home -- it's the buyer's first impression of your home," Page says.

Radice agrees. "You only have one chance to make a first impression. There are so few buyers out there -- you want your home to stand out."

Mow the lawn, make sure the sidewalk and driveway are free of clutter and debris, and ensure the house number is easily visible.

It may also be beneficial to pressure-clean the exterior of your home, driveway and sidewalk, if needed.

Another valuable low-cost solution? Mulch.

"Mulch is cheap and covers a multitude of sins. It makes everything look trim and neat," Radice says.

The cost: Mulch costs around $3 per bag.The cost of renting a pressure washer varies, but you may be able to get one from a local hardware store for around $50 per day. It may cost double that to purchase a pressure washer. Professional cleaning with a pressure washer for a 2,500 square-foot-house may set you back about $250.

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Red Flag for Homeowner's Insurance

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If you own a home, you have homeowners insurance. What you may not know is that, like your home, your insurance policy needs maintenance and updating. Failing to update your homeowners insurance policy could cost you big bucks in the long run.

But how do you know when it's time to update your insurance policy? Generally speaking, significant upgrades to your home or changes in your life mean it's time to do an audit of your insurance coverage. Here are some situations where taking another look at your insurance policy is necessary:

1. You want to remodel your home.
Think remodeling your 5-by-8-foot powder room is no big deal? Think again. Even a small renovation like this can have a big impact on your homeowners insurance. Consider this: If your contractor and subcontractors don't have worker's compensation policies, they could sue you if they're hurt on your property. That means you could end up footing the bill for medical expenses, any necessary rehabilitation and wages lost while out of work.

Be sure to verify the insurance coverage of any and all contractors working in your home. The folks at Travelers Insurance say you should contact your insurance company if you find your contractors' coverage is insufficient. Ask them about extending the limits of the liability portion of your homeowners' insurance policy to cover you if someone is hurt on the job.

Homeowners insurance liability limits generally start at about $100,000, but some experts recommend that you purchase at least $300,000 worth of protection. If you want even more, consider purchasing an umbrella insurance policy, which provides broader coverage and higher liability limits. In many cases, you'll save money on the coverage by purchasing an umbrella policy, "regular" policy and auto or life insurance from the same agency.

If you're putting on an addition or making significant upgrades to your home, be sure to contact your provider before beginning the project. If that new addition burns to the ground before you've increased your coverage, you could be on the hook for the cost of rebuilding it.

2. You've gotten married – or divorced.
According to the Insurance Information Institute, these are two big life changes that warrant changes in homeowners insurance – albeit for different reasons.

If you're getting married, you'll be combining two households' worth of stuff, including potentially valuable personal belongings. You may also get some pretty expensive wedding gifts, which could necessitate more coverage. Take a detailed home inventory of your belongings, and discuss it with your agent. This inventory will give you an idea of how much coverage you will need as you embark on your new life together. (One thing to consider: The single policy will probably be less expensive than paying for homeowners insurance for two separate homes.)

This inventory is also helpful in the event of a divorce, since you can revisit it to determine the appropriate division of property. If your marriage ends, be sure to contact your provider for help unwinding auto, homeowners and life insurance policies.

A standard homeowners insurance policy includes coverage for your personal belongings, both on and off the premises (unless you've decided against off-premises coverage). Most companies provide coverage for 50 to 70 percent of the amount of insurance you have on the structure of your home, the Insurance Information Institute says. That means that if you have $100,000 worth of insurance on the structure of your home, you have $50,000 to $70,000 worth of coverage for your belongings.

An inventory of your belongings will help you decide if this coverage is enough. Keep in mind that expensive items, like jewelry or high-end heirlooms, might be covered only up to a certain amount. Once you've taken an inventory of your belongings, contact your insurance provider to decide whether or not you need additional personal property coverage based on the cost of your belongings.

3. There's a new (furry) addition to the family.
Bringing a new puppy home is exciting, but Fido could be a financial threat if you're not adequately covered. According to Insurance Information Institute data, dog bites accounted for more than a third of all homeowners liability claim dollars in 2011 – the latest data available – for a total of $479 million.

Typically, homeowners insurance policies cover dog-bite liability as part of the standard coverage. But if your limit is $100,000 and the claim costs you $300,000, you're responsible for that $200,000 – whether it's legal fees or damages.
Since the personal liability coverage available through a standard homeowners policy isn't always enough, the institute advises dog owners to consider purchasing a personal excess liability policy, otherwise known as a personal umbrella policy – or PUP. This policy, which, according to Allstate, can cost as little as $1 per day based on the state you live in, kicks in when your regular insurance hits its coverage ceiling.

If you're bringing home a dog, it's worth it to discuss getting a PUP, too – it could save you thousands of dollars if Fido bites one of the neighbors.

These aren't all the scenarios which should prompt an insurance audit. As a general rule, it's worth looking over your policy once a year – even if you haven't gone through any huge life changes. When in doubt, contact your provider to discuss your coverage options.

via yahoo homes

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The Best Affordable for Countertops

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When you’re remodeling a kitchen on a budget, laminate is the best affordable option for countertops.

Nowadays this tried-and-true material comes in a wider array of designs than ever before, from beautiful solid colors to interesting wood looks with embedded texture to lovely stone patterns with a variety of finish options.

Before selecting laminate as a countertop material, it’s helpful to know the plusses and minuses. We asked Kent Brasloff, principal of New York-based design firm Ask Kent and Co., and vice president of programs for the New York chapter of the National Kitchen & Bath Association, to share his insights on buying laminate countertops. Here’s what he had to say:

What is laminate?
A combination of plastic and paper—interestingly, though, generally not recycled—and sometimes board. These materials are formed into a thin layer and colored or manufactured with naturalistic or textured designs. This layer is then laminated to particleboard or chip board.

What makes laminate a good choice for countertops? 
It's flexible and can be used in a variety of ways and in a variety of spaces: a kitchen, bath, work room or laundry room. Laminate can also be used on a shop table or as a furniture surface. Available in a multitude of colors and textures, it's easy to work with and can be cut into any shape, including forms with sharp corner points or with a smooth radius. It's quite durable.

What is the difference between a low-cost laminate and an expensive one? 
The key difference between high- and low-end laminates is generally the finish of the material. Higher-end products offer greater variety in luster or sheen and texture. They also come in a broader range of colors. The cost of the laminate will be affected by whether or not there is a built-in backsplash and how high or low the backsplash may be.

What are the maintenance requirements for laminate countertops? 
To clean the surface, use a damp cloth or sponge and a mild soap or detergent. To remove difficult stains from coffee or tea, use a mild household cleaner and baking soda mixed into a paste, scrubbing with a stiff nylon bristle brush and being careful not to mar the surface finish.

Stubborn stains may call for gently rubbing the spot with a cotton ball that has been saturated with undiluted household bleach or nail polish remover. Prolonged exposure of the laminate surface to bleach will cause discoloration, so always rinse thoroughly with warm warm water and wipe dry. Do not use steel wool and other abrasive materials or harsh chemicals, such as a rust remover. Also, avoid placing hot pots and pans on the surface, as its level of heat resistance is limited.

What are the pros for choosing laminate? 
Its durability, range of color and design options, flexibility to accommodate unique shapes, and ease of installation.

Its cons? 
On the downside, laminate shows scratches, which usually be cannot filled or repaired. And to some people it can look "cheap" or "papery". It hasn't been popular for quite some time in the US, but it is stilled used extensively in Europe, often in high-end contexts. Also, it gets brittle and chips with age.

How much does it cost? 
A fair range would be between $35 and $40 per linear foot at retail. Of course cost may be affected by the intricacy of the design and whether the counter will have a "self" or "beveled" edge. Cost will also be impacted by countertops with a lot of corners, a wide radius, or a built-in backsplash. Laminates with standard finishes are more affordable than those with upgraded finishes.

What are its installation requirements? 
After the contractor installs your cabinets (or support structure), the countertop area will be templated and made to fit for installation by a professional.

via yahoo homes

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6 Energy-Saving Projects For Your Home

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Save on home energy bills
You've heard the usual energy-saving advice: Buy only Energy Star-rated appliances, replace incandescent light bulbs with those curly fluorescents, shop for cheaper electric providers (if you can in your town). But numerous low-cost, energy-saving strategies escape homeowners' attention.

Energy experts say about 35 percent of heating and cooling is lost through the roof, and more escapes through the walls, windows, doors and by air leaks. "Making your home energy-efficient means starting with the basics, and the most important of these are the proper sealing of air leaks and insulating sufficiently for your climate," says Ronnie Kweller, who was spokeswoman for the Alliance to Save Energy in Washington, D.C., at the time of the interview. "Those steps can cut heating and cooling bills by up to 20 percent."

Here are some of the best bang-for-the-buck ways to save on home energy bills.

Insulation redux?
Unless it's thoroughly water-damaged, fiberglass insulation rarely needs replacing, though that doesn't stop unsavory contractors from recommending changing it out. Go ahead and fluff out those areas that have been compressed from excessive attic tromping because fiberglass insulation needs trapped air to be effective.

You can benefit by adding extra insulation. If yours is less than 9 inches thick (R 30), adding another layer could deliver significant extra savings. However, any thickness beyond 16 inches (R 50), except for those living far north in America, is typically unnecessary.

With a little how-to research, installation is relatively easy, but be sure to wear a mask and gloves, and don't cover any vents -- and don't fall through the ceiling! Fiberglass insulation can range from 50 cents to $1 per square foot, but the blown-in variety can cost nearly double that.

Draft day
"Air infiltration" is fancy lingo for "drafts." One time-tested way to detect air infiltration is to hold a lighted candle a few inches from doors, baseboards, window frames, pipes and vents -- after turning off all fans, heating and air conditioning. If the candle flickers or is blown out, sealing is needed.

Use a caulk gun (sometimes old caulk must be removed first) to seal gaps in walls and windows, and add weatherstripping under gaps in doors. Drafts around vents indicate that the vents might be the wrong size. You can have them replaced or add foam insulation around them. These efforts are best left to pros unless you're exceptionally handy.

Another avoid-the-draft tip: Use heavier drapes over windows in winter.

Tech smarts
A programmable thermostat that adjusts temperatures automatically will set you back between $60 and $120, but save you about $180 a year, according to Energy Star. That's a quick return on investment.

Smart thermostats are pricier, varying from $275 to $400, but they let you change settings remotely anywhere you have an Internet connection. They're handy for folks with fluctuating schedules or who tend to entertain clients, family members and other guests at home on an impromptu basis.

Some smart thermostats have monitoring systems that track energy use in various circuits around the house, so you can make adjustments where needed. Before taking that plunge, consider smartphone apps that allow you to dim lights and control thermostats, power strips and other connected devices from your phone.

"Smartphone apps can put energy efficiency at your fingertips at a reasonable cost," Kweller says.

Slay the 'vampires'
Standby power, also called "vampire" or "phantom" power, is consumed when electrical devices idle in standby mode. These phantoms can suck the life out of your energy budget, accounting for as much as 10 percent of the average home's electricity use.

Most computers, video game consoles and other gizmos with standby connections have settings that you can adjust to power-saving mode. Do so. Older power strips and adapters (typically those warm to the touch) with standby current should be replaced.

Tactical landscaping
Strategically planted trees can literally overshadow home energy waste. The original layouts and tree positioning of most lots were governed by builders' profit models, not energy savings, so it's up to homeowners to position clusters of trees to shade windows and rooftops in summer. These natural insulators can reduce the air temperature surrounding homes by as much as 9 degrees.

Deciduous trees, which provide shade in summer, then shed their leaves to admit sunlight in winter, are the best choice in most climates. Evergreens are more effective in providing windbreaks that reduce chilly northerly winds, as long as they are positioned away from the house at a span that's from two to five times the trees' heights.

What's more, shading your outdoor air-conditioning unit can increase its efficiency by 10 percent. The U.S. Department of Energy says that such energy-efficient landscaping provides a return on investment in about eight years.

Get audited
Consider an energy audit, especially if the energy bills are still high after you have spent a bundle on windows or on a heating, ventilation and air-conditioning system. Some utility companies offer free audits that aren't as thorough as audits performed by competent private companies, which charge around $400.

A thorough audit will test the integrity of the building using thermographic imaging and air-leakage testers on windows, floors, doors, skylights and walls. The findings will indicate which areas waste the most energy and help determine how to reduce costs. But first, vet the auditor carefully with a Better Business Bureau search and online user reviews.

Certified building analyst Richard Burbank, CEO of Evergreen Home Performance LLC in Rockland, Maine, says energy audits are particularly useful during homebuying due diligence. Enthusiasm over a great price on a distressed home can be quickly dampened when the buyer realizes the house is an energy hog. "We've seen a lot of buyers who are picking from the bottom of the barrel on foreclosures who especially need to pay attention," Burbank says.

via bankrate

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5 Ways To Screw Up A Mortgage Refinance

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A mortgage refinance boom is in full swing, as homeowners take advantage of record low rates by refinancing their home loans.

But a home loan refi is more complicated than it was a few years ago. Home values are lower and paperwork requirements are higher. It's easy to make mistakes while refinancing a mortgage.

To help you avoid some of the most common errors, here is a list of five things you shouldn't do when you refi.

Be unrealistic about your home's value
Deluding yourself about the value of your home is an excellent way to ruin a refi. Too many homeowners ignore falling home values in their neighborhood, convincing themselves their houses are worth at least what they paid for them.

In mortgage refinances today, the most common reason for denial is a home appraisal that comes in too low. The lender won't lend for more than the appraised value. And a lot of homeowners go into denial about the decreased values of their homes.

"Don't overestimate what the value of your home is. Don't kid yourself and think your house is worth $500,000 when it's really only worth $400,000," says Dale Robyn Siegel, author of the book "The New Rules for Mortgages" and owner of Circle Mortgage Group in Harrison, N.Y.

Dither about your rate lock
Homeowners who delay locking a good mortgage rate risk making a refi uneconomical.

While floating, you take the risk that mortgage rates will go up. Rates could rise enough so that it's no longer worth the time and expense of refinancing, says Bob Walters, chief economist for Quicken Loans.

Also, rate locks have expiration dates. So, it's a good idea to build a cushion of a few days in case there's a delay in the loan closing, says Dan Green, mortgage planner for Waterstone Mortgage in Cincinnati.

If you have a 30-day rate lock, it's better to set the closing date on the 28th day than the 30th day -- just in case there's a snag that delays the closing by a day or two.

Start renovating your house before the appraiser visits
Taking a sledgehammer to the interior of your home before the appraiser arrives is a good way to get turned down for a refi.

The appraiser delivers an estimate of the home's value on the day of the inspection. The house will be worth less on that day if the upstairs is a shambles or the bathroom fixtures have been ripped out. That's the case even if the renovations, when completed, will enhance the home's value.

"Don't start a renovation before the appraiser gets there," Walters says. "You'll see this sometimes when people are taking cash out and want to do a bunch of stuff. Do not do that, because if you've ripped out half the second floor and it's not in final condition, we can't close your loan."

If you plan to renovate, start after closing the refi.

Disappear and ignore the lender's calls
Want to throw your home loan into limbo?

"Go on vacation and don't tell the lender," Walters says.

Lack of communication will throw a pending mortgage into turmoil. "Remain accessible," Walters says. "Don't disappear. Sometimes people do."

A lengthy disappearance might have been a nonissue a few years ago, but it's not a good idea now. Lenders' paperwork requirements are more stringent than they were three years ago.

Expect the lender to ask for documents sometime between application and closing. It might be a request for your latest pay stub or an explanation of a big deposit into your checking account.

Stay in contact with the lender, and respond sooner rather than later to requests for more documentation.

Start over with another 30-year term
If you want to do long-term damage to your personal finances, start all over again by refinancing for a full, 30-year term. That way, you spend thousands of dollars on interest that you otherwise could have saved.

"The first question I say is, 'How long have you had that mortgage?'" Siegel says. "If they've had it for at least four to six years, I say, 'Look, I know you want to refinance, but at least let's do a 25-year, so you're not back at square one.'"

Then, she explains the monthly payment on a 20-year term, because after hearing the details "(they) might want that.'"

Reducing the term by just five years can yield big savings. On a $200,000 mortgage at 5 percent, you save $35,758 in interest by paying off the loan in 25 years instead of 30.

Pay off that home loan in 20 years instead of 30, and you save $69,733 in interest.

via bankrate

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Now's The Time to Refinance Your Mortgage

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If you've been thinking of refinancing, mortgage experts say now is the time to take action.

Improving economic conditions, potential rate increases, and expected changes to government programs means you may soon find it more difficult and expensive to refinance your mortgage.

"People who are still waiting to refinance will realize that rates might never be this low again in our lifetime," says David Lazowski, branch manager at Fairway Independent Mortgage in Boston, MA.

Still not convinced? Read on to learn why mortgage experts say you should refinance before spring arrives.

Reason 1 - Changes to Mortgage Insurance Premiums (MIP)
Is your mortgage more than 80 percent of your home's value? If so, upcoming changes by the U.S. Department of Housing and Urban Development could increase your refinancing costs if you wait to refinance.

In fact, effective April 1, 2013, the Federal Housing Authority's (FHA) mortgage insurance premiums are set to increase.

Currently, lenders require mortgages greater than 80 percent of the home value to be covered by mortgage insurance, and the homeowner pays the premium cost.

Richard Booth, a certified mortgage banker, explains how the increased premiums affect homeowners:

Borrowers with less than 20 percent equity will pay more, he says, impacting their budgets and ability to borrow funds. "The result will be higher monthly costs and thus borrowers will have their borrowing capacity reduced," Booth adds.

But that's not all: "Included in the many changes is the removal of the provision which permitted borrowers to drop their MIP once they reached a 78 percent Loan-to-Value (LTV), and the five year threshold," says Booth. This means that "many will be required to carry MIP for the life of the loan."

Reason 2 - Home Affordable Refinance Program (HARP) May Be Ending
If you qualify for a HARP refinance but haven't taken advantage of it yet, you may soon be out of luck. Our experts believe the HARP programs may be discontinued.

"The Home Affordable Refinance Program, designed to help homeowners who have lost value in their homes refinance into lower rates, has been rumored to be coming to an end," advises Booth.

Wade Lovell, a California mortgage broker, agrees that if you feel you are a candidate for a HARP refinance, don't wait to give it a shot.

"HARP 2.0 and other programs make it possible to refinance even if you are underwater by as much as 25 percent and some lenders will go even higher," Lovell says. "Without these programs, homeowners whose houses are now worth less than they owe would be unable to refinance their primary residences. These programs may be short term. Take advantage of them now."

Reason 3 - Benefits to Refinancing During Tax Season
This may come as a bit of surprise, but yes, there are some perks to refinancing during the tax season.

"One benefit of refinancing during tax season is that you will need many of the same documents needed to file your taxes," says Lazowski. "So while in the mind set of doing taxes, it makes good sense to get into the mind set of refinancing."

If you wait until after tax season to refinance, however, you may be in some trouble. For example, if you have a rate lock or guaranteed mortgage rate for a specified period of time, you may have to wait longer for the verification of your paid income tax, which is often required in a mortgage refinance application.

"After April 15th it will take you longer to get an IRS verification of your taxes being filed through a third party because of everyone filing their taxes on the due date," explains Lazowski. As a result, "This backs up the process and can take four to six additional weeks, causing rate locks to be tested."

Reason 4 - Impending Rate Increase
How would you feel if you discovered your decision to delay refinancing cost your family thousands of dollars in interest?

If rates rise, you could face just that situation. And unfortunately, you could be facing this dilemma sooner rather than later. In fact, according to Freddie Mac's "Weekly Primary Mortgage Market Survey," the interest rate for a 30-year fixed rate mortgage is already on the rise from 3.34 percent on January 3 to 3.56 percent on February 21.

It is data like this that is leading experts to anticipate a continued rate increase.

"Rates have started to move off of all time lows," Lazowski says. "With the economy improving it will come as no surprise that rates will move a bit higher. With that being said, rates moving a bit higher will help to spur both purchase and continued refinance activity."

via yahoo homes

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