Northeast Georgia Real Estate BlogRecently posted or modified blog postshttps://www.hermesrealtygroup.com/blog/Copyright HermesRealtyGroup.com2023-11-28T06:34:15-07:00tag:hermesrealtygroup.com,2012-09-20:5968I Tried This Pro Cleaner’s Easy (and Painless) Technique to Clean Baseboards(original article courtesy of <a href="https://www.apartmenttherapy.com/easy-way-clean-baseboards-pro-cleaner-37326484">apartmenttherapy.com</a>)
Among household cleaning tasks I strongly dislike, <a href="https://www.thekitchn.com/baseboard-cleaning-hack-dryer-sheets-23360199">cleaning baseboards</a> is high on that list. But unlike other, less noticeable cleaning tasks I dread, like <a href="https://www.thekitchn.com/best-method-cleaning-oven-23296454">deep cleaning the oven</a> or the toilet, clean baseboards have a special power of making the entire room (or even the whole house!) feel drastically cleaner. It’s easy to put off cleaning them, but it’s super worth it when you finally do. And I have some great news: Believe it or not, there’s an easy way to get them sparkling clean — without breaking your back.
One of the reasons baseboard-cleaning is so often procrastinated is because there isn’t a super-straightforward way to do it. Any time you’re cleaning something that has multiple small surfaces that are tough to get into, especially when dust and pet fur are like to stick to the surface, the job is tedious. On top of the dust and dirt clinging to them, baseboards also tend to garner scuff marks that require even more rigorous attention. But luckily, I recently found this savvy <a rel="noopener noreferrer" href="https://www.tiktok.com/@cleanthatup/video/7249490173954772266" target="_blank">TikTok video</a> where Brandon of <a rel="noopener noreferrer" href="https://www.tiktok.com/@cleanthatup" target="_blank">Clean That Up</a> demonstrates three different ways to clean baseboards — including one I had to try immediately: with a damp microfiber cloth rubber-banded to a broom. And according to the comments on the video, I’m not the only one whose mind was totally blown.
I grabbed my favorite broom, a <a rel="noopener nofollow sponsored" data-link-type="product" data-product-id="TextLinkProduct:4967378896027648" target="_blank" href="https://www.amazon.com/Libman-Precision-Angle-Broom-Dustpan/dp/B001AKVBFC?ots=1&asc_campaign=AT-37326484&asc_refurl=https%3A%2F%2Fwww.thekitchn.com%2Feasy-method-clean-baseboards-23584258&asc_source=&tag=apartmentth0a-20" class="product-link" data-gtm-product-id="TextLinkProduct:4967378896027648" data-gtm-product-name="[PLACEHOLDER NAME]" data-gtm-product-retailers="Amazon" data-gtm-product-url="https://www.amazon.com/Libman-Precision-Angle-Broom-Dustpan/dp/B001AKVBFC" data-ml-dynamic="true" data-ml-dynamic-type="sl" data-orig-url="https://www.amazon.com/Libman-Precision-Angle-Broom-Dustpan/dp/B001AKVBFC?ots=1&asc_campaign=AT-37326484&asc_refurl=https%3A%2F%2Fwww.thekitchn.com%2Feasy-method-clean-baseboards-23584258&asc_source=&tag=apartmentth0a-20" data-ml-id="0" data-ml="true" data-xid="fr1701178103678ifc">Libman precision broom with a dustpan</a>, wet my microfiber cloth, and squeezed it so it was just damp, then rubber-banded it around the head of the broom.
It took a bit of trial and error to get the microfiber cloth secure around the bristles of the broom. I realized quickly that I needed to wrap my rubber band twice around the cloth so it wouldn’t slip. I also found that I needed to have the rubber band pretty high up on the cloth so it didn’t flop over. Even with my cloth as securely attached as I could get it, I had to readjust every once in a while — but it was well worth it.
Although I had high hopes, I was floored by how well this method worked. I expected the damp microfiber to be really good at lifting dust, dirt, and pet hair from the baseboards, and it was. I also expected that the bristles under the microfiber cloth would bend and conform to the different surfaces on the baseboard. They totally did. Similarly to how a <a href="https://www.thekitchn.com/butter-knife-tiktok-hack-23209958">microfiber cloth wrapped around a butter knife</a> helps clear out crevices full of crumbs, the bristles of the brush wrapped around the baseboard trim and cleared off each and every intricate surface.
Another thing I liked about this cloth-wrapped-broom method was that, unlike when using a duster, I could apply some pressure to the broom. Especially when they haven’t been cleaned in a while, a bit of elbow grease is often needed to get that clinging dirt off.
The very best part of this method, though? Not having to bend down or be on my hands and knees to do it. The broom was so comfortable to use and the angle made it easy to address the corners. My daughter saw what I was doing and said that it was “such a good idea!” so I know it not only felt efficient and effective, but it looked it too.
While the microfiber cloth wrapped around the broom removed the dirt and fur from the baseboards, there were still some tougher scuffs that I would probably have to use a Magic Eraser to remove. But I’ll tell you this: After testing out the method in the kitchen — where baseboards tend to get especially messy — I couldn’t stop myself from doing it in every other room of the house, thanks to the easiest method I’ve ever tried.
2023-11-28T06:30:09-07:002023-11-28T06:34:15-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:59089 Types of Mold You Should Learn About(Original article courtesy of <a href="https://www.homedit.com/cleaning/types-of-mold/">HomeEdit.com</a>) Whether you’re moving into a new home or doing spring cleaning on yours, it’s always important to look for mold. This type of fungus can be a problem for a house structure and the health of the homeowners. Mold deteriorates and weakens the wood, drywall, and insulation, compromising the integrity of the building. Additionally, when mold spores are released into the air and inhaled, they can trigger allergic reactions and respiratory problems.
To ensure your house’s and its occupants’ safety, it is crucial to recognize mold’s presence and its risks.
9 Different Types of House Molds
Here’s a list that provides information about the most prevalent types of molds commonly found in houses.
<a href="https://www.homedit.com/cleaning/types-of-mold/#Aspergillus">Aspergillus</a>
<a href="https://www.homedit.com/cleaning/types-of-mold/#Cladosporium">Cladosporium</a>
<a href="https://www.homedit.com/cleaning/types-of-mold/#Penicillium">Penicillium</a>
<a href="https://www.homedit.com/cleaning/types-of-mold/#Stachybotrys-Chartarum-Black-Mold">Stachybotrys Chartarum (Black Mold)</a>
<a href="https://www.homedit.com/cleaning/types-of-mold/#Chaetomium">Chaetomium</a>
<a href="https://www.homedit.com/cleaning/types-of-mold/#Fusarium">Fusarium</a>
<a href="https://www.homedit.com/cleaning/types-of-mold/#Mucor">Mucor</a>
<a href="https://www.homedit.com/cleaning/types-of-mold/#Rhizopus">Rhizopus</a>
<a href="https://www.homedit.com/cleaning/types-of-mold/#Trichoderma">Trichoderma</a>
1. Aspergillus
Aspergillus can be recognized by its yellow-green color to blue-green colors and cotton or wool texture. They can grow on various surfaces, including walls, insulation and HVAC systems.
This type of mold typically produces allergic reactions. However, its effects can accelerate to more severe conditions such as Aspergillosis, a lung disease.
2. Cladosporium
Cladosporium is a mold type found indoors and outdoors and recognized by its black, greenish-black, gray or brown colors. It thrives in areas with high humidity and can grow on various surfaces, including walls, wooden materials, fabrics, and carpets.
It is one of the most prevalent molds detected in indoor environments. Individuals with allergies or compromised immune systems may be more susceptible to Cladosporium-related health problems.
3. Penicillium
Penicillium has a characteristic odor, blue-green, white, yellow or pink hues and a powdery texture. It’s often found indoors and can contaminate leather and cloth items.
While certain Penicillium species are used to produce antibiotics, others can cause health issues. Prolonged exposure to its spores can lead to respiratory problems, allergies, and asthma-like symptoms.
4. Stachybotrys Chartarum (Black Mold)
Stachybotrys Chartarum is a greenish-black mold that grows on material with a high cellulose content, such as fiberboard, gypsum board, and paper.Black mold thrives in areas with excessive moisture. That’s why it’s often associated with water damage such as leaks, condensation, water infiltration, or flooding.
This mold is known for its toxigenic properties. Inhalation or direct contact with its spores can cause respiratory issues, allergic reactions, skin irritation, headaches, and fatigue.
5. Chaetomium
Colonies of Chaetomium usually have a cotton-like texture with colors ranging from white to grayish-brown or black. This mold is commonly found in water-damaged buildings, particularly in areas with high moisture levels. They also grow on materials that have cellulose, such as drywall, wallpaper and <a href="https://www.homedit.com/cleaning/get-rid-of-mold-on-wood/">wood</a>.
Some species of Chaetomium can produce mycotoxins, which may cause health issues such as allergies, respiratory problems, and skin irritation. It’s extremely recommended to avoid prolonged exposure to Chaetomium spores.
6. Fusarium
Fusarium can be found indoors and outdoors in various colors, including pink, white, or reddish. It typically thrives in damp environments and can colonize multiple materials, including carpets, wallpaper, and plant debris.
Curiously, fermented fusarium is edible and used as a meat substitute by vegetarians and vegans. However, the house fungi may lead to health problems when inhaled or ingested. Exposure to Fusarium can cause allergic reactions, eye irritation, and respiratory issues.
7. Mucor
Homeowners can recognize mucor because of its yellow or white cotton texture. Like fusarium, mucor grows in damp environments, particularly with organic matter such as decaying plants or food. You can find it on ceiling, walls, insulation, and food items.
Mucor is known for posing a risk to food safety and can contribute to the spoilage of stored food items.
8. Rhizopus
Rhizopus is a humid-environment mold recognizable by its fuzzy colonies with a black or grayish color. It’s known for spreading and growing fast on organic materials such as fruits, vegetables, and bread.
While Rhizopus is generally considered non-toxic, it can cause allergies, aggravate existing respiratory conditions, and contribute to food spoilage.
9. Trichoderma
The white and green Trichoderma mold is found in indoor and outdoor environments, usually damp areas with high cellulose content. Its colonies grow on surfaces like wet drywall, wood, or carpeting. You can also find it in the soil of your garden.
Trichoderma is also considered non-toxic to humans. However, it doesn’t excerpt from allergic reactions in some individuals with respiratory problems or skin irritation symptoms. It can also contribute to the deterioration of building materials.
How To Identify Mold
If you’ve just suffered any water damage, people in our house suffer from respiratory issues, or you live in an aged building, identifying mold will be useful. Some tips on identifying fungus include the following:
Learn how they look. Mold often appears as discolored patches or spots on surfaces. Depending on the species, it can be black, green, yellow, brown, or white.
Recognize their odor. A strong, musty odor often accompanies mold growth. If you notice a persistent musty smell in a particular area, it could indicate the presence of hidden mold.
Beware of allergic reactions. As mentioned earlier, if you or other occupants of the house experience unexplained allergic reactions, such as sneezing, coughing, itchy eyes, or respiratory issues when spending time in a specific area, it could be a sign of mold presence.
Tips For Preventing Mold Growth
Sometimes, prevention can take a lot of work. However, it’s the best way solution to future mold problems. Here’s how to prevent mold from growing in the first place:
Fix water leaks. Fix any possible leaks in roofs, windows or pipes. You can also ensure proper drainage around your home’s foundation to prevent water accumulation.
Improve ventilation. Ensure proper ventilation in areas with high moisture (bathrooms, kitchens, and laundry rooms) and install vent fans or range hoods to remove excess moisture and odors.
Clean and inspect regularly. Disinfect areas susceptible to mold growth, such as <a href="https://www.homedit.com/cleaning/mold-on-the-bathroom-ceiling/">bathrooms</a> (showers and tubs), kitchens, basements, air conditioning drip pans and refrigerator drip trays.
Although there are many <a href="https://www.homedit.com/how-to-get-rid-of-mold/">DIY ways to get rid of mold</a>, like chlorine bleach and distilled white vinegar, it is generally advisable to contact a professional mold inspector, especially if someone in the house is prone to allergies.
Professional inspectors can thoroughly assess your property, take samples, and provide expert guidance based on the type of mold. Contact a mold inspector near you if you want to start checking your property. 2023-11-06T10:38:09-07:002023-11-06T10:41:24-07:00Hermes Realty Grouptag:hermesrealtygroup.com,2012-09-20:5893Foreclosures and Bankruptcies Won’t Crash the Housing Market(original article courtesy of <a href="https://www.keepingcurrentmatters.com/2023/10/31/foreclosures-and-bankruptcies-wont-crash-the-housing-market/">Keeping Current Matters</a>)
If you’ve been following the news recently, you might have seen articles about an increase in foreclosures and bankruptcies. That could be making you feel uneasy, especially if you’re thinking about <a href="https://www.keepingcurrentmatters.com/2023/10/17/how-buying-a-multi-generational-home-helps-with-affordability-today/" rel="noopener noreferrer" target="_blank">buying</a> or <a href="https://www.keepingcurrentmatters.com/2023/10/18/what-are-the-real-reasons-you-want-to-move-right-now/" rel="noopener noreferrer" target="_blank">selling</a> a house.
But the truth is, even though the numbers are going up, the <a href="https://www.keepingcurrentmatters.com/2023/09/27/why-todays-housing-inventory-shows-a-crash-isnt-on-the-horizon/" rel="noopener noreferrer" target="_blank">data shows</a> the housing market isn’t headed for a crisis.
Foreclosure Activity Rising, but Less Than Headlines Suggest
In recent years, the number of foreclosures has been very low. That’s because, in 2020 and 2021, the forbearance program and other relief options were put in place to help many homeowners stay in their homes during that tough time.
When the moratorium ended, there was an expected rise in foreclosures. But just because they’re up, that doesn’t mean the housing market is in trouble.
To help you see how much things have changed since the housing crash in 2008, check out the graph below using research from ATTOM, a property data provider. It looks at properties with a foreclosure filing going all the way back to 2005 to <a href="https://www.attomdata.com/news/market-trends/foreclosures/attom-q3-and-september-2023-u-s-foreclosure-market-report/" rel="noopener noreferrer" target="_blank">show</a> that there have been fewer foreclosures since the crash.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2023-10-31_at_9.40.08_AM.jpg" width="1554" height="1154" />
As you can see, foreclosure filings are inching back up to pre-pandemic numbers, but they’re still way lower than when the housing market crashed in 2008. And today, the tremendous amount of <a href="https://www.keepingcurrentmatters.com/2023/10/12/growing-your-net-worth-with-homeownership/" rel="noopener noreferrer" target="_blank">equity</a> American homeowners have in their homes can help people sell and avoid foreclosure.
The Increase in Bankruptcies Isn’t Dramatic Either
As you can see <a href="https://www.uscourts.gov/news/2023/07/31/bankruptcy-filings-rise-10-percent" rel="noopener noreferrer" target="_blank">below</a>, the financial trouble many industries and small businesses felt during the pandemic didn’t cause a dramatic increase in bankruptcies. Still, the number of bankruptcies has gone up slightly since last year, nearly returning to 2021 levels. But that isn’t cause for alarm.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2023-10-31_at_9.44.01_AM.png" width="1550" height="1162" />
The numbers for 2021 and 2022 were lower than more typical years. That’s in part because the government provided trillions of dollars in aid to individuals and businesses during the pandemic. So, let’s instead focus on the bar for this year and compare it to the bar on the far left (2019). It shows the number of bankruptcies today is still nowhere near where it was before the pandemic. Both of these two factors are reasons why the housing market isn’t in danger of crashing.
Bottom Line
Right now, it's crucial to understand the data. Foreclosures and bankruptcies are rising, but these leading indicators aren’t signaling trouble that would cause another crash.2023-10-31T06:39:49-07:002023-10-31T06:45:22-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:5825What to Look For in Your Own Fixer Upper(Original article courtesy of <a href="https://www.housedigest.com/1398157/what-to-look-for-in-fixer-upper-joanna-gaines/">HouseDigest.com</a>) If you're a home improvement show devotee or even an occasional viewer, you might dream of finding your own diamond in the rough and renovating it to live in or flip. It can be a worthwhile endeavor from a financial standpoint, and some homeowners find it to be very rewarding to update an abode with their own personal remodeling touches.
To keep your pet project from turning into a budget-busting disaster, there are some things to look for in the property from the get-go. What's at the top of the list, according to ultimate "Fixer Upper" Joanna Gaines? The main focus should be structural soundness.
"One thing I want to stress is that every home has potential," Gaines says in an Architectural Digest interview, "But ultimately, the potential has to meet the total renovation budget realistically. Always get an inspection to make sure the home is structurally sound; we've seen foundation issues that will cost up to $20,000. If the cost of the structural issues is cutting too much into the total renovation budget, we know it's not 'the one' and encourage our clients to keep looking."
More major issues that can crop up in a fixer upper:
Foundation problems can indeed be costly to remedy. That's not the only type of hidden issue you might run across in a fixer-upper, though. Older homes can have problems with electrical wiring hidden within the walls, or the electrical system as a whole may not be up to snuff when it comes to modern appliance and tech requirements. Plumbing and sewer systems are other areas that may need improvements that can be costly to address.
All these issues should be uncovered by a professional home inspector. During the inspection, the attic, crawlspaces, and other areas you don't typically see in a walk-through with a real estate agent will be examined for hidden issues for you to consider. Each one has the potential to eat into your allowance for repairs and renovations, so it's important to discover everything before sealing the deal on a fixer-upper.
Other budget-busting issues to consider when purchasing a fixer upper home:
What other major cost considerations should you take into account when contemplating a fixer-upper? For one, it can be risky to buy a home with roof damage — making sure it doesn't need to be extensively repaired or replaced is imperative. The air conditioning and heating system should also be in good working order since they can be expensive to replace. Broad repairs to patios, decks, driveways, and pools (which may require a separate inspection) can also add thousands of dollars to your punch list. Hidden damage from insects like termites, even if the pests have already been eliminated, can also be expensive to repair. After your inspection, you can also call in pros to specifically address any problem areas and get estimates on what it might take to repair them.
These factors may not be deal-breakers if you fall in love with a fixer-upper. But as Gaines suggests, you should be acutely aware of how each one of these types of repairs will eat into your budget. If you're way over, it's often best to keep looking.
2023-10-03T07:31:52-07:002023-10-03T07:35:22-07:00Hermes Realty Grouptag:hermesrealtygroup.com,2012-09-20:5813How to pay for home improvements2023-09-26T10:44:49-07:002023-09-26T10:49:37-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:5615The 10 Best-Selling Sherwin-Williams Paint Colors of All Time(original article courtesy of <a href="https://www.bhg.com/best-sherwin-williams-paint-colors-7549505">BHG.com</a>)
Choosing the right paint color can be a challenge, but starting with a brand's most popular shades can help narrow down your choice. After all, these paint colors are popular for a reason. To help inspire your next room refresh, we chatted with Sue Wadden, director of color marketing for <a href="https://www.sherwin-williams.com/" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Sherwin-Williams</a>, to learn about the brand's most popular paint colors of all time.
Whether you're searching for the perfect beige to create a <a href="https://www.bhg.com/rooms/bedroom/color-scheme/soothing-bedroom-paint-colors/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">soothing bedroom retreat</a> or you're on the hunt for a <a href="https://www.bhg.com/best-dark-paint-colors-7101054" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">dark and moody shade</a> for a formal dining room, this list includes a little bit of everything. The fan-favorite paint colors work across multiple spaces and are versatile enough to be used on walls, trim, millwork, cabinetry, and exteriors.
From light and bright neutrals to deep, sophisticated shades, these are the top 10 best-selling Sherwin-Williams paint colors of all time.
1. Accessible Beige
<img src="https://assets.site-static.com/userfiles/3652/image/AccessibleBeige-f70f1cc257b44a49936c48d6eac77ad2.jpg" width="750" height="1125" />
"Unlike many beiges, this fan-favorite color has undertones of gray that can give any space a warm, snug feel and pairs great with earthy tones", Wadden says. If you're looking for <a href="https://www.bhg.com/decorating/color/neutrals/neutral-paint-colors/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">a neutral</a> that adds color and saturation, that also works with both a warm and cool color palette, <a href="https://www.sherwin-williams.com/en-us/color/color-family/neutral-paint-colors/sw7036-accessible-beige" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="2" rel="nofollow noopener" target="_blank">Accessible Beige</a> is a winning choice.
Paint Color: <a href="https://www.sherwin-williams.com/en-us/color/color-family/neutral-paint-colors/sw7036-accessible-beige" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Accessible Beige by Sherwin-Williams</a>
2. Iron Ore
<img src="https://assets.site-static.com/userfiles/3652/image/IronOre-101eddfad4df4cf5b9135a6aa7c27486.jpg" width="750" height="500" />
<a href="https://www.sherwin-williams.com/en-us/color/color-family/neutral-paint-colors/SW7069-iron-ore" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Iron Ore</a> is a deep shade of charcoal gray that has a mysterious quality and creates an air of sophistication. Because of its cool depth, Wadden recommends using it sparingly in well-lit spaces or <a href="https://www.bhg.com/home-improvement/exteriors/curb-appeal/exterior-color-combinations/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">on exteriors</a>. Boost your home's curb appeal with a fresh coat of Iron Ore on the front door or give your kitchen cabinets a moody makeover with this timeless neutral.
Paint Color: <a href="https://www.sherwin-williams.com/en-us/color/color-family/neutral-paint-colors/SW7069-iron-ore" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Iron Ore by Sherwin-Williams</a>
3. Natural Linen
<img src="https://assets.site-static.com/userfiles/3652/image/NaturalLinen-9101eb01f540450489be870836c1df76.jpg" width="750" height="1121" />
If you're on the hunt for the ultimate shade of beige, look no further than <a href="https://www.sherwin-williams.com/en-us/color/color-family/yellow-paint-colors/SW9109-natural-linen" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Natural Linen</a>, an ever-popular Sherwin-Williams neutral. Its greige undertones keep it fresh and modern, and Wadden attributes the color's popularity to its subtle breezy feel. She recommends pairing the color with <a href="https://www.bhg.com/decorating/color/basics/color-and-wood-tone/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">light wood tones</a> in your home to emphasize its warm and airy nature.
Paint Color: <a href="https://www.sherwin-williams.com/en-us/color/color-family/yellow-paint-colors/SW9109-natural-linen" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Natural Linen by Sherwin-Williams</a>
4. Evergreen Fog
<img src="https://assets.site-static.com/userfiles/3652/image/EvergreenFog-5bb43d4bb3884868bacee2b5cda388fa.jpg" width="750" height="750" />
Add color in a calming and sophisticated way with a fresh coat of <a href="https://www.sherwin-williams.com/en-us/color/color-family/green-paint-colors/SW9130-evergreen-fog" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Evergreen Fog</a>. Wadden calls it a versatile, chameleon color. "This color is the perfect balance between a neutral and a fun color", as it mixes greens and grays for a timeless look. Pair it with <a href="https://www.bhg.com/decorating/seasonal/fall/decorating-with-natural-elements/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">natural wood tones</a> and pops of shiny brass for an earthy yet elegant space.
Paint Color: <a href="https://www.sherwin-williams.com/en-us/color/color-family/green-paint-colors/SW9130-evergreen-fog" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Evergreen Fog by Sherwin-Williams</a>
5. Naval
<img src="https://assets.site-static.com/userfiles/3652/image/Naval-6736f8ab0bc0471492e001d062cc2cb3.jpg" width="750" height="750" />
<a href="https://www.sherwin-williams.com/en-us/color/color-family/blue-paint-colors/SW6244-naval" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Naval</a> is a longtime customer-favorite and a tried and true shade of navy blue. Wadden comments on the color's popularity, saying, "Blue is one of those colors that will never go out of style—especially this deep blue with cool gray-undertones". It's a versatile color that looks striking on a <a href="https://www.bhg.com/home-improvement/exteriors/curb-appeal/diy-front-door-ideas/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">front door</a> and window shutters, but it is just as well-suited for interiors. Wadden points out that the depth of the shade creates a meditative serenity and shares that the color is particularly popular for home offices or studies.
Paint Color: <a href="https://www.sherwin-williams.com/en-us/color/color-family/blue-paint-colors/SW6244-naval" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Naval by Sherwin-Williams</a>
6. Pure White
<img src="https://assets.site-static.com/userfiles/3652/image/PureWhite-d2fa5d24d7f04d3e9d3536472fc1057e.jpg" width="750" height="614" />
Whether you're looking for a white paint color for walls or trim, <a href="https://www.sherwin-williams.com/en-us/color/color-family/white-paint-colors/SW7005-pure-white" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Pure White</a> is crisp and bright without being stark. Wadden calls it the perfect <a href="https://www.bhg.com/rooms/living-room/makeovers/neutral-color/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">neutral backdrop</a> for any interior space and says, "This recurring fan-favorite is a timeless white that doesn't lean too cool or too creamy".
Paint Color: <a href="https://www.sherwin-williams.com/en-us/color/color-family/white-paint-colors/SW7005-pure-white" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Pure White by Sherwin-Williams</a>
7. Urban Bronze
<img src="https://assets.site-static.com/userfiles/3652/image/UrbaneBronze-e5982851d4e84754842c5441d9d7d3e9.jpg" width="750" height="563" />
For anyone wanting to incorporate darker colors into their home, Wadden suggests <a href="https://www.sherwin-williams.com/en-us/color/color-family/neutral-paint-colors/SW7048-urbane-bronze" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Urbane Bronze</a>. She explains that the brownish-gray color is rooted in nature and evokes down-to-earth tranquility that creates subtle sophistication. Pair the deep shade with <a href="https://www.bhg.com/decorating/color/paint/best-earth-tone-paint-colors/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">warm earth tones</a>, layered textures, and mixed materials for a cozy and inviting space.
Paint Color: <a href="https://www.sherwin-williams.com/en-us/color/color-family/neutral-paint-colors/SW7048-urbane-bronze" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Urbane Bronze by Sherwin-Williams</a>
8. Sea Salt
<img src="https://assets.site-static.com/userfiles/3652/image/SeaSalt-cc300162e7354b299be24d48c86952a5.jpg" width="750" height="1109" />
According to Wadden, homeowners have been loving the <a href="https://www.bhg.com/decorating/color/schemes/color-combos-using-green/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">color green</a>this decade. If you want to incorporate the color into your home in a more subtle, neutral way rather than using a bold and saturated tone, she suggests <a href="https://www.sherwin-williams.com/en-us/color/color-family/green-paint-colors/SW6204-sea-salt" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="2" rel="nofollow noopener" target="_blank">Sea Salt</a>. It's the perfect way to create a calm and serene space, and she points out, "This cool, muted green with blue undertones makes every day feel like a relaxing beach day."
Paint Color: <a href="https://www.sherwin-williams.com/en-us/color/color-family/green-paint-colors/SW6204-sea-salt" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Sea Salt by Sherwin-Williams</a>
9. Gauntlet Gray
<img src="https://assets.site-static.com/userfiles/3652/image/GauntletGray-6c6bd2d6c32548f9a69904bee9960d05.jpg" width="750" height="1125" />
Go dark and moody with <a href="https://www.sherwin-williams.com/en-us/color/color-family/neutral-paint-colors/SW7019-gauntlet-gray" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Gauntlet Gray</a>, a warm shade of gray that looks stunning against <a href="https://www.bhg.com/decorating/color/basics/selecting-trim-color/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">crisp white trim</a>. Wadden points out an unexpected quality of this color and says, "This striking gray color with warm greige undertones continues to be one of our most popular dark colors due to its surprisingly lively feel."
Paint Color: <a href="https://www.sherwin-williams.com/en-us/color/color-family/neutral-paint-colors/SW7019-gauntlet-gray" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Gauntlet Gray by Sherwin-Williams</a>
10. Alabaster
<img src="https://assets.site-static.com/userfiles/3652/image/Alabaster-030ba0781a404065b92e77c36a1163bb.jpg" width="750" height="1109" />
For the right combination of warmth and brightness, you can't go wrong with <a href="https://www.sherwin-williams.com/en-us/color/color-family/white-paint-colors/SW7008-alabaster" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Alabaster</a>. "This color has become a go-to for homeowners wanting a bright white without sacrificing a warm coziness in a space", says Wadden, adding that the soft and warm nature of this balanced white makes it the perfect choice. It creates an inviting neutral backdrop when used on interior walls and also works well on kitchen cabinets.
Paint Color: <a href="https://www.sherwin-williams.com/en-us/color/color-family/white-paint-colors/SW7008-alabaster" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Alabaster by Sherwin-Williams</a>2023-07-18T08:12:20-07:002023-07-18T08:20:49-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:5541What Homebuyers Need To Know About Credit Scores(original article courtesy of <a href="https://www.keepingcurrentmatters.com/2023/06/22/what-homebuyers-need-to-know-about-credit-scores/">KeepingCurrentMatters.com</a>)
If you’re thinking about <a href="https://www.keepingcurrentmatters.com/2023/06/06/real-estate-is-still-considered-the-best-long-term-investment-1/" rel="noopener noreferrer" target="_blank">buying a home</a>, you should know your credit score’s a critical piece of the puzzle when it comes to qualifying for a home loan. Lenders review your credit to assess your ability to make payments on time, to pay back debts, and more. It’s also a factor that helps determine your <a href="https://www.keepingcurrentmatters.com/2023/06/07/the-main-reason-mortgage-rates-are-so-high/" rel="noopener noreferrer" target="_blank">mortgage rate</a>. An article from Bankrate <a href="https://www.bankrate.com/real-estate/what-credit-score-do-you-need-to-buy-a-house/" rel="noopener noreferrer" target="_blank">explains</a>:
“Your credit score is one of the most important factors lenders consider when you apply for a mortgage. Not just to qualify for the loan itself, but for the conditions: Typically, the higher your score, the lower the interest rates and better terms you’ll qualify for.”
This means your credit score may feel even more important to your homebuying plans right now since <a href="https://www.keepingcurrentmatters.com/2023/05/19/the-impact-of-changing-mortgage-rates-infographic/" rel="noopener noreferrer" target="_blank">mortgage rates</a> are a key factor in <a href="https://www.keepingcurrentmatters.com/2023/05/31/keys-to-success-for-first-time-homebuyers/" rel="noopener noreferrer" target="_blank">affordability</a>, especially today. According to the Federal Reserve Bank of New York, the median credit score in the U.S. for those taking out a mortgage is <a href="https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2023Q1" rel="noopener noreferrer" target="_blank">765</a>. But, that doesn’t mean your credit score has to be perfect. An article from Business Insider <a href="https://www.businessinsider.com/personal-finance/what-credit-score-is-needed-to-buy-a-house" rel="noopener noreferrer" target="_blank">explains</a> generally how your <a href="https://www.myfico.com/credit-education/credit-scores" rel="noopener noreferrer" target="_blank">FICO</a> score range can make an impact:
“. . . you don’t need a perfect credit score to buy a house. . . . Aiming to get your credit score in the ‘Good’ range (670 to 739) would be a great start towards qualifying for a mortgage. But if you’re wanting to qualify for the lowest rates, try to get your score within the ‘Very Good’ range (740 to 799).”
Working with a trusted lender’s the best way to get more information on how your credit score could factor into your home loan and the mortgage rate you’re able to get. As FICO <a href="https://www.myfico.com/credit-education/credit-scores" rel="noopener noreferrer" target="_blank">says</a>:
“While many lenders use credit scores like FICO Scores to help them make lending decisions, each lender has its own strategy, including the level of risk it finds acceptable. There is no single “cutoff score” used by all lenders and there are many additional factors that lenders may use to determine your actual interest rates.”
If you’re looking for ways to improve your score, Experian <a href="https://www.experian.com/blogs/ask-experian/what-is-the-average-credit-score-in-the-u-s/" rel="noopener noreferrer" target="_blank">highlights</a> some things you may want to focus on:
Your Payment History: Late payments can have a negative impact by dropping your score. Focus on making payments on time and paying any existing late charges quickly.
Your Debt Amount (relative to your credit limits): When it comes to your available credit amount, the less you’re using, the better. Focus on keeping this number as low as possible.
Credit Applications: If you’re looking to buy, don’t apply for other credit. When you apply for new credit, it could result in a hard inquiry on your credit that drops your score.
When you’re ready to start the <a href="https://www.keepingcurrentmatters.com/2023/06/02/reasons-to-own-your-home-infographic/" rel="noopener noreferrer" target="_blank">homebuying</a> process, a lender will be able to assess which range your score falls in and tell you more about the specifics for each loan type.
Bottom Line
With affordability challenges today, prioritizing ways you can have a positive impact on your credit score could help you get a better mortgage rate. If you want to learn more, connect with a trusted lender.2023-06-27T06:11:02-07:002023-06-27T06:13:03-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:5486What to Do When Movers Lose or Break Your Stuff(Original article courtesy of <a href="https://www.mymove.com/moving/costs-and-finances/movers-damage-claim/">mymove.com</a>) Moving to a new home always comes with stress. But when your favorite piece of glassware is shattered during the moving process or your expensive electronics arrive broken? That makes a stressful situation even harder.
There are no guarantees that your personal belongings won’t get damaged or destroyed during your move, even if you’ve hired a <a href="https://www.mymove.com/moving/moving-services/top-moving-companies/">professional moving company</a>. Fortunately, there are steps you can take to boost the odds that movers will reimburse you or replace your items if your possessions are damaged or lost during your move.
How to file a movers’ damage claim, step by step:
Before the move:
Step 1: Make a home inventory list.
Start by documenting all of your belongings in a centralized place. Make a few copies of this <a href="https://www.mymove.com/moving/packing/how-to-make-packing-list/">inventory list</a> — one for yourself and one for your movers. This will help you track which items were lost or didn’t make it to your new location.
Step 2: Take photos of your belongings.
Make an album with photos of your valuables to go along with your home inventory list. Stamp these photos with the date and time. This will help you prove damages during the moving claims process if your items are nicked, scratched, or shattered during the move.
If you do file a complaint with your moving company, the claims adjuster handling this will want to see the condition of your damaged items before the move. Your case will be weaker without this photographic evidence.
Step 3: Get additional moving insurance.
The basic coverage moving companies are required to provide by law won’t get you very far if you’re looking to protect your stuff. Consider purchasing added coverage, or take out a separate <a href="https://www.mymove.com/moving/moving-services/guides/what-is-moving-insurance/">moving insurance</a> policy. This will add to your moving bill but will pay off if your items are damaged or destroyed.
The most comprehensive type of insurance, and most expensive, is full-value protection. Under this coverage, your movers will either reimburse you for the full current value of your items, repair damaged items so that they are restored to their previous conditions, or replace your damaged or lost items with new versions.
If you didn’t purchase full-value insurance, your moving company might reimburse you at a lower dollar amount. If you only purchased what is known as released-value insurance, for instance, your movers will set the value of your items at 60 cents a pound. If your flat-screen TV is destroyed during the move, then your movers will only reimburse you 60 cents for each pound that TV weighs.
After the move
Step 4: Look over your bill of lading with a fine-toothed comb.
On moving day, when the work is done, your movers should provide you with an itemized list detailing the items they moved and the condition in which they arrived. This is known as the bill of lading. Look this list over carefully.
If you notice that the moving company scratched furniture or an item is missing, note these problems on the list. This will provide additional evidence should you need to file a claim with your movers. If you notice an item that’s been lost during the move, note that, too.
If you fail to note damages on this paperwork, this doesn’t mean that you can’t still file a claim. But documenting your concerns on the bill of lading will boost the strength of any claim you file.
Step 5: Start the process right away.
The faster you file, the sooner you’ll get to a resolution. According to the Federal Motor Carrier Safety Administration, you have nine months from the date of your move to <a href="https://www.fmcsa.dot.gov/sites/fmcsa.dot.gov/files/docs/Rights-and-Responsibilities-2013.pdf" target="_blank" rel="noreferrer noopener">file a claim</a>, but we recommend starting the process as early as possible.
“You will generally need to contact the mover within 24 hours of delivery and provide an itemized list of what was damaged as well as proof of damage,” said Nick Valentino, VP of Market Operations at <a href="https://www.getbellhops.com/" target="_blank" rel="noreferrer noopener">Bellhop Movers</a>.
Step 6: File a written claim with your moving company.
The first step is to contact your moving company and ask for the official paperwork to file a claim. All movers will have such paperwork and will have an official process for handling complaints.
List your damaged items on your movers’ paperwork. Make sure to include damage done to your new home, too. If movers scratched your kitchen walls or put divots on your bedroom floor, list this, too. The moving company is responsible for damage done to your home.
Step 7: Take photos of the damage.
Again, photos are your friend. Take plenty of photos of your damaged items and include them in your complaint. Include any photos you took of these items before the move. This is a key part of documenting the damage that was done to your items or home.
Be aware that movers usually aren’t liable for damage to items inside boxes that you packed yourself. If the plates inside a box you’ve packed arrive at your new home in pieces? You won’t get reimbursed if you packed that box yourself before the move.
Step 8: Await a reimbursement offer.
Once you fill out that paperwork and send it in, the claims process officially starts. Your movers will usually assign a claims adjustor to investigate your complaint. You can expect to receive your reimbursement offer from the moving company no more than a week after you file your complaint.
If you’re happy with your moving company’s offer, accept it. If you’re not, tell your movers. They might counteroffer. If they don’t, and you’re not satisfied, you can file a civil lawsuit to recover your damages. This can be a long and costly process.
Note: Movers who handle an interstate move — a move from one state to another — must participate in an <a href="https://www.fmcsa.dot.gov/sites/fmcsa.dot.gov/files/docs/Arbitration_Program_Brochure.pdf" target="_blank" rel="noreferrer noopener">arbitration program</a>. Under this program, if you and your moving company can’t reach an agreement over reimbursement or replacement of damaged items, your claim will go before a neutral arbitrator. That arbitrator’s decision will then be final.
This is often a less expensive way to resolve a disputed claim. If you are unsatisfied with your movers’ resolution offer, you can also file complaints with the <a href="https://www.bbb.org/consumer-complaints/file-a-complaint/get-started" target="_blank" rel="noreferrer noopener">Better Business Bureau</a>, <a href="https://nccdb.fmcsa.dot.gov/nccdb/home.aspx" target="_blank" rel="noreferrer noopener">U.S. Department of Transportation</a>, and <a href="https://www.moving.org/sites/default/files/2021-04/ATA%20Complaint%20Form.pdf" target="_blank" rel="noreferrer noopener">American Moving and Storage Association</a>.
How long can movers take to deliver your items?
You and your moving company will come to an agreement on when movers will pick up your items and when they’ll deliver them. According to the FMCSA, your movers might use the term “<a href="https://www.fmcsa.dot.gov/sites/fmcsa.dot.gov/files/docs/Rights-and-Responsibilities-2013.pdf" target="_blank" rel="noreferrer noopener">delivery spread</a>” to set the timeline in which you can expect your items to be delivered to your destination.
It’s important to list actual dates in your agreement. Don’t simply state that you want your items delivered “as soon as possible.” If your mover doesn’t pick up your items or deliver them on the dates specified, you can file a delay-of-shipment claim. According to the FMCSA, you’ll have to prove that the delay resulted in expenses that you had to cover.
How to avoid moving fraud and moving company theft
There are a variety of <a href="https://www.mymove.com/moving/moving-services/guides/protect-moving-scams/">moving scams</a> to look out for. A moving company might quote you one price for your move but then increase that fee once it arrives at your new home. The company might refuse to release your items until you pay the new fee. Maybe the movers load your goods and drive away, only for you to never see them again.
The best way to protect yourself from these scams? Do your research. Check with the Better Business Bureau before hiring a moving company. Look for online complaints about movers stealing or damaging items. You might also ask your neighbors, friends, and family members for recommendations if they recently completed a move.
It’s important, too, to <a href="https://www.mymove.com/moving-quotes/">get estimates from at least three moving companies</a>. A reputable moving company will ask for a detailed inventory before giving an estimate, and might even offer a virtual or in-person tour. If one company charges a suspiciously low amount compared to the others, be wary: That might be the sign of a shady company.
Be wary, too, when a moving company requests a large deposit before completing your move. You shouldn’t have to put up more than 20% of the move’s cost as an upfront deposit.
The bottom line
You want your move to proceed as smoothly as possible. The best way to ensure this is to document your items before and after your move. This way, if movers do damage your furniture, electronics, or kitchenware, you’ll have the evidence you’ll need to undo these mistakes.
Frequently asked questions
Q: What if a moving company breaks something?
A: If your movers break an item, you can file a complaint with your moving company. Your movers will reimburse you or replace the item, depending on the insurance you took out from the moving company.
Q: What do I do if movers lost my stuff?
A: If you discover lost or stolen items, contact the moving company immediately to file a claim. According to the FMCSA, you have nine months to file a claim, but don’t wait. Also, make sure you have documented evidence that you had the lost item, to begin with. Show the moving company photos or lists with the items on it.
Q: How do you start the moving claims process?
A: Call your moving company as soon as you notice damage to your items or home. Make sure, too, to list this damage on the inventory of moved items your moving company provides.
Q:Do homeowners cover moving damage?
A: Homeowners are not responsible for moving damage that they can prove was caused by their moving company. Homeowners whose furniture, electronics, or other items are damaged by movers should file a claim with their moving company to start the reimbursement process.
2023-06-13T06:57:49-07:002023-06-13T07:00:59-07:00Hermes Realty Grouptag:hermesrealtygroup.com,2012-09-20:5446Why Now is the Right Time to Buy a HomeIn the realm of real estate, timing can be a crucial factor when it comes to making one of life's most significant decisions: buying a home. With the current state of the housing market and several compelling factors aligning, there has never been a better time to consider purchasing your dream home. In this blog post, we will explore the reasons why now is the right time to take the leap into homeownership.
Increasing Home Values:
The real estate market has been experiencing steady growth, and home values have been on the rise. By purchasing a home now, you have the opportunity to invest in an asset that is likely to appreciate over time. As property values continue to climb, you can build equity and potentially enjoy substantial returns on your investment in the future
2. Mortgage Assistance Programs:
Various mortgage assistance programs and incentives are often available to first-time homebuyers or those with specific qualifications. These programs can help reduce upfront costs, provide down payment assistance, or offer favorable terms. By taking advantage of these initiatives, you can make homeownership more attainable and affordable.
3. Rent vs. Buy Analysis:
Renting a home may seem like a more flexible option, but in many cases, it can be more expensive in the long run. Conducting a rent vs. buy analysis can reveal the potential financial advantages of owning a home. By comparing your monthly rental payments to potential mortgage payments, you can often find that owning a home offers greater financial stability, as your payments contribute to building equity rather than lining a landlord's pockets.
4. Personal Stability and Freedom:
Owning a home provides a sense of stability and allows you to create a place that truly reflects your personality and lifestyle. You have the freedom to decorate, renovate, and make improvements to your home according to your preferences, without having to seek permission from a landlord. Additionally, homeownership offers the potential for long-term roots, community engagement, and a sense of belonging.
Conclusion:
Considering the current state of the housing market, now is an opportune time to make the dream of homeownership a reality. With increasing home values, a wide range of inventory, mortgage assistance programs, and the financial advantages of owning versus renting, the timing is ideal. Take advantage of this favorable market and secure your place in the world of homeownership today. Give us a call to start your home search! 678-825-42442023-05-29T17:23:47-07:002023-05-29T17:28:01-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:53819 Things You Should Never Clean with a Pressure Washer(original article courtesy of <a href="https://www.tomsguide.com/how-to/9-things-you-should-never-clean-with-a-pressure-washer">Tomsguide.com</a>)
When it comes to those heavy-duty cleaning jobs around the home, nothing can beat the power of a pressure washer. This handy tool will blast away dirt, grime and tough stains in no time, and all at a press of a button. Not to mention, saving you the efforts of manual labor!
But, while it can tackle the most demanding household jobs, there are certain things that you should never clean with a pressure washer. If you do, you could end up damaging or scratching surfaces, and cause more harm than good. Worse case, you could injure yourself if you don't use that pressure washer properly!
Typically, a pressure washer uses a highly pressurized water jet, and can be used for blasting away dirt, moss, lichens, algae and even gum from hard surfaces. These are particularly ideal for getting patios, decking, driveways, and stone tiles spotless, especially if you want to give your backyard a makeover this season.
So before you grab that pressure washer to handle your tough jobs, avoid these nine things you should never clean with a pressure washer.
1. Windows
Windows can easily get grimy, and while it might seem quick to spray the glass clean, never use a pressure washer. The high-pressure jet spray will be too powerful for fragile panes of glass, and may break or even shatter them.
Additionally, the force of the jet spray can damage the seals around your windows, which will allow leaks to seep in, creating condensation and potential mold issues. Plus, if you have older window frames, damaged seals will cause them to crack or warp.
It’s always best to clean windows by hand with dish soap and water, while white vinegar is great for cutting through limescale. Then, you can simply use a garden hose with a nozzle attachment to rinse away any grime or debris. This is a much safer option, and will save you from spending a fortune on replacement windows!
2. Cars
We all want our cars to look as clean and shiny as they did when they left the showroom, but washing vehicles can also be time-consuming. And while you can find certain pressure washers suited to washing vehicles on a low pressure, it's advised not to clean cars with this powerful tool.
If used incorrectly, the spray power of a pressure washer can literally strip paintwork, leaving dents or chips. This is especially the case when there are slight changes in the angle of the spray from the distance to the vehicle.
In addition, any long-term damage can cause rust or corrosion to bodywork or even serious damage to the vehicle’s engine, resulting in costly repairs. It’s always best to hand wash with a soft sponge or cloth soaked in soapy water, and rinse down with a hose. If you do need to use a pressure washer however, keep about 6 inches away from paintwork, and around a foot away from any damaged paintwork or easily removable trim.
3. Light Fixtures
If you have outdoor or solar lights fitted in your backyard or porch, these are bound to get dirty over time. But while they’re designed to withstand all kinds of weather, this doesn’t mean you can clean it with a powerful pressure washer.
The high blast from the jet spray is enough to break any glass panes or bulbs in your lighting. What’s more, this may remove the fixture from its mount completely, damaging your beautiful lights. Plus, you don’t want any water to seep into the internal electrical elements.
The best way to clean outdoor lights is to carefully remove the lightbulb from the fixture and wipe with a clean damp microfiber cloth. Then, take an old paintbrush to brush away the debris, dead bugs or cobwebs outside the fixture, before cleaning with a damp soft cloth or sponge with soapy water.
This will prevent any risk of damage, and keep your light fixtures clean and in top condition to enhance the best lighting for your home.
4. Painted or Stained Surfaces
Whether it’s a grimy wall, wood decking or outdoor furniture, never clean painted or stained surfaces with a pressure washer. If you do, the powerful spray will strip the paint or stain off surfaces, causing it to peel, chip or look unsightly.
Also, power washing can remove any protective sealants you may have applied to your painted surfaces, such as waterproofing sealers and mildew-resistant coatings. This would make it more susceptible to water damage, warping or even mold.
5. Asphalt Shingle Roofs
While our roof is something that we rarely tend to, it’s often noticeable when the tiles are dirty. However, if you have asphalt shingle tiles on your roof, never clean them with a pressure washer. While it may seem the easiest way to remove dirt and moss, the high water pressure can also strip away the granules that hold your asphalt shingles in place. This can cause your roof to crumble, break or become completely loose — especially if the roof is older.
What’s more, this will make your roof susceptible to leaks, mold and mildew in your home, cracks, or more serious structural damage. Generally, cleaning a roof yourself is dangerous without the necessary safety precautions. And so it’s always best to hire a professional roofing company to tackle the job.
6. Gutters
Similarly, cleaning out the gutters is not an easy (or exciting) task. And while it might be tempting to quickly blast away the dead leaves and debris clogging up the gutters, never use a pressure washer.
A pressure washer is far too powerful, and can wash away the mortar holding the gutters up. What’s more, pressure washing could actually pull the gutter off the house completely, or cause serious damage to the downspout.
Luckily, you can learn how to clean gutters, with or without a ladder, by simply cleaning the debris by hand and rinsing inside with a garden hose. This is a much safer way to clean your gutters, avoiding potential repair work and costs.
7. Brickwork
Now this might seem surprising, especially if you have a grimy brick siding — but you should never clean bricks with a pressure washer.
This is because brick is a porous material, which can easily absorb water. Once it absorbs too much moisture, it will expand and then contract as it dries, causing cracks in the brickwork.
In addition, the high-pressure spray can wear away the mortar holding the bricks together. Not only will it be vulnerable to severe weather damage, but will leave you with an unstable, and unsafe structure. The last thing you want is a collapsing wall in your property.
8. Air Conditioners
If you want to maintain your air conditioner unit, avoid cleaning with a pressure washer. Although it would quickly get rid of dirt and grime on the outside of the box, the force of the spray could also bend or crush the delicate metal fins that restricts the airflow into the unit.
It’s advisable to brush away any debris or dirt with a soft brush between the fins, and use a garden hose to carefully wash any grime away. For more top tips check out how to clean an air conditioner as well as what to look for when buying an air conditioner.
9. Electric Meters
Similarly, never clean electric meters with a pressure washer. Generally, electric meters are designed with a solid metal casing and transparent glass or plastic cover over the face of the meter.
However, the high-pressure from the washer can force water through the crevices of the plastic cover, which can cause damage to the electrical system inside. Not only could this affect the incoming electricity, but end up costing you in expensive repairs. Simply wipe down your electric meter with a damp, soapy cloth to remove any dirt or grime from the cover.
Things you can clean with a pressure washer
Concrete and paved paths
Driveways
Garage floors
Vinyl siding
Outdoor furniture
Garbage cans
Decking (unstained)
2023-05-09T07:29:50-07:002023-05-09T07:37:29-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:5379These Are the All-Time Best White Paint Colors, According to Interior Designers(original article courtesy of <a href="https://www.marthastewart.com/7735292/interior-designers-favorite-white-paint-colors">marthastewart.com</a>)
Selecting colors is always a complicated part of the home-painting process, but choosing white paints can be especially challenging—even for interior designers. You have to consider all kinds of factors: Is the lighting natural or artificial? Is the white hue itself going to cast a color? Are there any patterned wallpapers visible nearby? All of these are questions to ask when determining the best white paint color for any room.
It's a dilemma most professionals face, says interior designer Melissa Rufty. "Selecting a white paint seems simple in theory, but I find it's actually the most complicated. What many don't realize is that white is actually a color. Whites will give off a pink, yellow, blue, or even green cast," she says.
Selecting the perfect white paint color can feel impossible (there are so many options!), so we've called on a variety of experts to do the work for you.
1. Benjamin Moore Linen White
If you want a paint that has a cool feel, consider this expert-approved iteration from interior designer <a href="http://www.melissarufty.com/" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank">Melissa Rufty</a>. "Benjamin Moore Linen White is my go-to—it has the ability to feel crisp, but not cold," she says. "It's warm without being too yellow, and it's a great interior or exterior option."
2. Sherwin Williams Pure White
Sherwin Williams' Pure White, a true, bright white paint, is interior designer Sarah Sherman Samuel's favorite. "It's not too cool, not too warm—just perfectly neutral when you need a clean white," she says.
3. Farrow & Ball All White
Both Sherman Samuel and interior designer Elizabeth Stuart call on Farrow & Ball's All White for many of their projects. "I'm always searching for what I call a 'bridge white,' which is a white that will look great with whatever colors I'm working with," says Stuart. "Most of my design projects end up having a lot of artwork, and this shade is just beautiful. I can hang an amazing oil painting with yellows or grays in it, and it will still look great.
4. Portola Paints Sea Salt
For a room that needs additional warmth, opt for Sea Salt by Portola Paints, says Jake Arnold. "Typically, I'll use this white in older homes where I need a white that feels fresh, but never harsh," he says. "I used it recently in an old 1920s Spanish Revival home in Los Feliz."
5. Benjamin Moore White Dove
A versatile option, this white paint works well with cool or warm color palettes, says Susan Work of Homework Design. "Our favorite go-to white paint of the past 15 years is White Dove by Benjamin Moore," she says. "It's that magical—and works for us every single time."
Rufty also knows this color's power—and uses it strategically throughout her projects. "In bathrooms with white plumbing fixtures like sinks and bathtubs, I tend to use White Dove," she says. "I also like this white in kitchens, where white tiles or slabs are used."
6. Benjamin Moore Chantilly Lace
Rely on Benjamin Moore's Chantilly Lace when you are looking to brighten a space, notes Jenny Dina Kirschner of JDK Interiors. "It's a very easy white paint color to work with in nearly any room, with any type of light," she says. "It's my go-to when I need crisp, clean walls with absolutely no undertones."
7. Benjamin Moore Steam
To soften a room, try out Benjamin Moore's Steam, suggests Kirschner. "No matter the time of day or type of light, it reads as a more creamy, warm white without the yellow
undertones that many other warm white paint colors have," she says.
8. Farrow & Ball Pointing
Want a white paint that complements warm color palettes? Then this option is for you. "I love using Farrow & Ball's Pointing in projects that have really rich colors in the design," says Stuart. "It's a warmer white, and it works really well with pale pinks and rich eggplants. It's perfect for when you want a creamy white without it looking beige or eggy."
9. Portola Paints White Cliffs
As a "true white" paint, you'll be able use this White Cliffs by Portola Paints option to work with a variety of different design elements within your home. "It's perfect for those who have great art to display, as it provides the perfect backdrop for layering," says Arnold. "I used it for a client in Brentwood who has a lot of art with rich colors and tones, and [it looks] really in sync."
2023-05-09T06:28:41-07:002023-05-09T07:25:42-07:00Hermes Realty Grouptag:hermesrealtygroup.com,2012-09-20:5296Home Inspections for Sellers: What You Need To Know<img src="https://assets.site-static.com/userfiles/3652/image/Home-Inspections-For-Sellers-What-You-Need-To-Know-NM.jpg" width="800" height="1599" />
Some Highlights
The <a href="https://www.investopedia.com/terms/h/home-inspection.asp#:~:text=A%20home%20inspection%20is%20an,potential%20fire%20or%20safety%20hazards." rel="noopener noreferrer" target="_blank">inspection</a> is a major part of the home <a href="https://www.keepingcurrentmatters.com/2023/03/30/were-in-a-sellers-market-what-does-that-mean/" rel="noopener noreferrer" target="_blank">selling</a> process.
Many buyers used to waive inspections to be more competitive with their offer, but recently, inspections and repairs are <a href="https://www.realtor.com/research/2022-summer-sellers-survey/" rel="noopener noreferrer" target="_blank">becoming popular</a> again.
Connect with a trusted real estate agent so you have an expert on your side who can help you <a href="https://www.keepingcurrentmatters.com/2023/03/29/4-key-tips-for-selling-your-house-this-spring/" rel="noopener noreferrer" target="_blank">determine</a> the repairs and updates your house needs before you <a href="https://www.keepingcurrentmatters.com/2023/04/11/the-big-advantage-if-you-sell-this-spring/" rel="noopener noreferrer" target="_blank">sell</a>.
2023-04-18T10:14:03-07:002023-04-18T10:16:30-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:5251Americans Spent Record $567 Billion to Fix Their Homes Last Year(original article courtesy of <a href="https://www.investopedia.com/home-renovations-surge-7370796">investopedia.com</a>) Rising mortgage rates helped push owners to make critical repairs to homes that are older than ever, according to a Harvard study.
<img src="https://assets.site-static.com/userfiles/3652/image/reno-145680656-56aacfb33df78cf772b48c76.jpg" width="750" height="499" />
Americans spent a record $567 billion on home renovations last year as owners shunned relocations amid rising mortgage rates and home prices, according to a study from Harvard’s Joint Center for Housing Studies.1
Homes in the U.S. are older today than ever and need critical repairs and maintenance, according to the study. They also need more Investment in energy efficiency, disaster prevention and accessibility to prepare for climate change and accommodate an aging population. Also driving renovations is the rise of remote work.
KEY TAKEAWAYS
Americans spent a record $567 billion improving their homes in 2022.
At least 3 million homeowners and 4 million renters live in inadequate homes with inoperable systems, such as heating or plumbing.
Discretionary projects, such as kitchen remodels, accounted for just over 30% of aggregate home improvement expenditures.
Annual spending on home improvements and repairs rose 16% from 2019 and 2021, an annual pace of growth more than double the historical average of 5%. Home improvement spending is expected to slow throughout 2023, but will still show growth over the year, according to Abbe Will, one of the authors of the report.
“Half of all owner-occupied homes in the U.S. are older than 40 years today," Will said. "The surge in spending is expected to slow this year given the many headwinds that the market is facing, but we’re still expecting a bit of growth here, about 2.5%.”
Replacement projects such as roofing, siding, windows, doors, electrical, plumbing, and HVAC systems again dominated the market in 2021, accounting for 48% of expenditures. Discretionary projects such as kitchen and bath remodels and room additions made up just over 30% of aggregate expenditures.
“With the continued aging of our homes replacement projects have become the dominant share of home improvement spending so projects like roofing, HVAC, flooring, windows and doors," Will said. "They make up nearly half of all homeowner improvement expenditures today, with this increased focus on more need to do projects that typically can't be deferred, at least not permanently,”
Aging millennials who are renovating first-time homes is also a factor, according to the report.
“Growing activity among owners of color, as well as the sheer number of millennials that have yet to reach those prime ages for first-time home buying and remodeling – that all points to continue to strengthen remodeling rates,” Will said.
According to the report, in 2021, about 3 million <a href="https://www.investopedia.com/us-housing-outlook-7229463" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">homeowners</a> and 4 million renters were living in inadequate homes with structural deficiencies or inoperable systems, such as heating, plumbing or electrical systems.
Many of the homes that are need critical repairs are occupied by households that are least likely to be able to afford the expense, according to the report.
“Deteriorating housing systems and equipment threaten the health and safety of older, lower-income homeowners, while the burden of high improvement and repair costs jeopardizes the current stock of affordable housing,” the report read. “Disparities in home equity by race and ethnicity suggest widening gaps in housing adequacy, accessibility for aging in place, home energy performance, disaster recovery, and improvement and maintenance cost burdens.”
2023-04-04T06:30:08-07:002023-04-04T06:34:54-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:5235Dog-friendly Backyard Ideas(Original article courtesy of <a href="https://www.homesandgardens.com/gardens/dog-friendly-backyard-ideas">houseandgardens.com</a>) Take a fresh look at your home’s outside space with these super-smart ideas for a dog-friendly yard.
Are you a proud pet parent? If so, creating a dog-friendly backyard is all important for both you and your pooch.
We all long for a beautiful yard to gaze upon from the house and a leafy space we can unwind in with family and friends, but if you also have the needs of a canine member to accommodate achieving this can seem thwarted with problems and unattractive compromises.
Working out how to subtly divide off doggy digging areas to knowing which plants are safe and potentially harmful to dogs, are all commonly faced problems. Other headaches when choosing pet-friendly <a href="https://www.homesandgardens.com/ideas/backyard-ideas" class="hawk-link-parsed" data-component="Inline Links">backyard ideas</a>include finding ground cover and paving options that are dig-proof, easy to clean as well as affordable and attractive, along with whether to opt for a real or artificial lawn. Sound familiar? Well, we’ve spoken to our panel of trusted garden design and pet care experts, to get their advice.
10 Ways To Create A Dog-Friendly Backyard
Whether you're tired of trying to keep your dog off your flower beds, or simply want to give your pet a more engaging outdoor space, there are plenty of ways to make your backyard more dog-friendly so they can happily (and safely) spend time playing outdoors.
1. Get The Hard Landscaping Right
Striking balance between providing an attractive, pet-stimulating space that is also quick and easy to maintain can at first seem impossible but there are a few simple tips to try.
‘Grass-free lawns are becoming a popular alternative, especially in areas with less rainfall, with homeowners opting for hardscapes to reduce maintenance and water usage,’ says <a href="https://www.belgard.com/" target="_blank" rel="nofollow noopener" data-url="https://www.belgard.com/" class="hawk-link-parsed" data-component="Inline Links">Joe Raboine</a>(opens in new tab), Vice President of Design at Belgard. 'If you choose to hardscape areas of the yard, be sure to select concrete or porcelain pavers, as they provide the most durability.’
Besides choosing these exceptionally hardwearing and virtually nonporous surfaces for your <a href="https://www.homesandgardens.com/ideas/backyard-landscaping-ideas" class="hawk-link-parsed" data-component="Inline Links">backyard landscaping</a>, there are other precautions you can take to help cut down on maintenance and to reduce the risk of any staining occurring.
‘Sealing your pavers is also key to keeping them looking and performing their best,' explains Joe. 'Apply sealant once your installation is complete to start with a base of protection. It is recommended to reapply a sealant once every three to five years – after a thorough cleaning of the area – to ensure pavers maintain their color and freshness.’ Sealing joints and any grout lines is another worthwhile trick to keep your <a href="https://www.homesandgardens.com/gardens/paved-backyard-ideas" class="hawk-link-parsed" data-component="Inline Links">paved backyard</a> looking its best.
‘Just like you would clean up after your dog on a walk, make sure to clean up your hardscapes,' adds Joe. 'Large-format pavers are an ideal option, minimizing the need to clear between tricky joints.’
2. Avoid Plants That Could Be Toxic To Dogs
To truly relax and enjoy your outdoor space you need to be confident that it is safe and secure for your pooch, so you don’t have to monitor their every step outside. One aspect of their yards that homeowners often overlook is planting. Prickly beauties such as thistles, berberis, cotoneaster and ground cover roses are best avoided near paths or your pets favorite play place, but there are other less obvious issues to consider too.
Nicolas Wayne(opens in new tab), founder of Nicolaslawn.com explains: ‘Some plants are poisonous to dogs, so it's essential to select pet-friendly plants carefully. Some commonly cited plants that can be toxic to dogs include azaleas and rhododendrons, tulips and hyacinths, lilies (including Easter, Tiger, and Asiatic lilies), foxgloves and oleander.’
Leading experts at Pet Poison Helpline (opens in new tab) say that ‘severe poisoning from hyacinth or tulip poisoning is often seen when dogs dig up freshly planted bulbs or have access to a large bag of them.’ Symptoms can range from drooling, vomiting to difficulty breathing, so if you have a particularly inquisitive pet, it is best to avoid having these plants in your flower beds.
3. Choose Dog-Friendly Plant Varieties Instead
Of, course there are plenty of gorgeous, dog-friendly plants to choose for your backyard that pose no threat if brushed or eaten out of curiosity. Cheery sunflowers along with bright and breezy petunias, snapdragons, marigolds and zinnias are all brilliant long-lasting choices for filling your <a href="https://www.homesandgardens.com/ideas/container-gardening-ideas" data-url="https://www.homesandgardens.com/ideas/container-gardening-ideas" class="hawk-link-parsed" data-component="Inline Links">container garden</a>, brightening borders and for planting in hanging baskets.
For the back of borders and dividing of boundaries and different sections of a yard, look for robust shrubs such as viburnum, camellia, bottle brush with its showy blooms and evergreen foliage, elegant magnolia and forsythia.
Besides many attractive pet-safe plants, some are even beneficial to your pooch. Rosemary, catnip, wormwood and many other fragrant, culinary herbs can deter fleas and help keep ticks and mosquitoes at bay. While lavender and German chamomile can help calm boisterous behaviour.
For complete peace of mind before planting anything in your yard, the American Society for the Prevention of Cruelty to Animals (ASPCA) has a comprehensive list of both toxic and non-toxic plants(opens in new tab).
4. Consider An Artificial Lawn
This is definitely a hotly debated subject, on which dog owners and garden professionals are divided. ‘As anyone with dogs is liable to know, dogs aren’t typically compatible with a lush lawn and perfect landscaping,’ says Ryan Farley (opens in new tab), CEO of LawnStarter.com. ‘For a truly dog-friendly backyard, I might recommend dedicating most of the space to mulch or synthetic turf options that won’t get torn up or discolored by canine outdoor activities and play.’
There are many artificial lawn products that are specifically dog friendly. Often with an especially free draining backing that also has anti-bacterial qualities – helping to reduce smells and the dangerous build-up of mold and mildew, they are also manufactured to withstand repeated wear and tear. Easy to hose and brush down as needed, they can seem the ideal answer but there are a few potential downsides.
‘Artificial turf looks great and will stand up to wear and tear from paws. However, in the summertime, it heats up like the surface of the sun. It's been known to melt athletic cleats on hot days in the South,’ explains Eric DeBoer (opens in new tab), agronomist for Simple Lawn Solutions. ‘If you want your pup to be able to enjoy your backyard during the summer months, the temperature of the surface could hinder their enjoyment.’
‘Your dog will also have less enjoyment trying to sniff, dig, and discover things in a plastic mat vs real soil and grass, Eric also points out. 'Overall, nothing will replicate the feel of walking through a natural grass lawn.’
5. Choose A Pooch-Tolerant Grass Variety
If you don't like the idea of a no-grass backyard or want to avoid artificial turf, then it's worth considering the type of grass you should grow. In terms of being peed on regularly or coping with the general wear and tear four paws can cause, some grasses can cope much better than others. The type of grass you grow will, firstly, depend on your local climate.
In southern regions warm-season grasses are a must. ‘Pound-for-pound Bermuda grass (Cynodon dactylon) or a hybrid Bermuda grass (Cynodon dactylon X C. transvaalensis) is going to be the best choice for homeowners with dogs,’ explains Eric DeBoer. ‘First, it has been shown, along with Zoysia grass (Zoysia spp.), to be most tolerant of urine. Second, it's just hard to kill and stands up to traffic really well. Third, it is a fast-growing grass seed under the correct circumstances, which can help it bounce back from any injury it incurs from traffic and urine. Zoysia will tolerate the urine but is a slow grower, so it will take a while to fill back in if any traffic or urine damage does occur.’ Pennington Bermuda grass seed from Walmart(opens in new tab) would be a suitable option to try.
In the US mid zone and northern states, cool season grasses that lie dormant between fall and early spring are the better option for lawns. There are a few varieties of grass seed and sod to choose from, but some are more dog-tolerant than others.
‘Cool-season grass owners will do best with tall fescue (Schedonorus arundinaceus) for dog urine damage,’ continues Eric. ‘For traffic, tall fescue is deeply rooted and will hold up well, but once it reaches the breaking point, getting it to recover and fill back in will feel impossible. Tall fescue is a bunch-type to weakly rhizomatous grass, so it doesn't fill in bare spots well, at all. Kentucky bluegrass (Poa pratensis) is bad for urine damage, but for traffic and recovery, you can't beat it for a cool-season lawn.
There are lots of tall fescue grass seed options available online, including this Scotts TurfBuilder tall fescue mix from Walmart (opens in new tab).
'People in more northern climates looking to switch to a Bermuda grass for better dog-tolerance compared to cool-season turf, would do well by looking into improved cultivars of hybrid Bermuda grass like Tahoma 31, Latitude 36, Northbridge, and Iron Cutter,' adds Eric.
6. Make Space For A Pet-Safe Water Feature
Shallow water feature ideas are the safest option for any dog-friendly yard, but some types are safer than others. ‘Avoid having any standing water in your backyard as it can be incredibly dangerous,’ advises Jeremy Yamaguchi (opens in new tab), CEO of Lawn Love. ‘Standing water is the preferred egg-laying choice for mosquitoes. If your pet drinks from it, they're at risk of contracting diseases. Even if they don't, mosquitoes carry so many diseases including, most notably, Lyme disease.’
A ready supply of fresh or running water is both a safer and more entertaining option. For a small design, the XBrand round sphere water fountain from Walmart(opens in new tab) is similar to the design pictured.
For bigger backyards, there are also many play features that can be installed, ideal for keeping your pets (and friends) amused and refreshed in the hottest of weathers.
John Foraker, owner of My Splash Pad explains the types of things you can install in a residential backyard for your dog. ‘There are so many fun, entertaining features to choose from. These include things like a dog bowl play feature where water bubbles up from the bottom of the bowl and spill over the sides, a dog jump hoop with water jets, and dog wading pool with recirculating pump.’
7. Provide A Shady Spot For Dogs To Relax Outdoors
Overheating can be a serious issue for our furry friends, so providing some <a href="https://www.homesandgardens.com/ideas/shade-garden-ideas" class="hawk-link-parsed" data-component="Inline Links">garden shade</a> so they can escape the sun is essential. There are plenty of stylish shady solutions for every size plot, budget or design aesthetic. Simple garden parasols, sail shades and retractable awnings are perfect for <a href="https://www.homesandgardens.com/ideas/patio-cover-ideas" data-url="https://www.homesandgardens.com/ideas/patio-cover-ideas" class="hawk-link-parsed" data-component="Inline Links">patio covers</a> or balcony shades, while more long-term solutions such as a gazebo, vine-clad pergola or even a summerhouse can provide reliable year-round respite.
Another long-term solution is to consider planting one or more trees as a way of creating a shady spot for your pet.
Choosing which trees to grow in your backyard depends on your local climate, the soil and growing conditions as well as the size of your plot. If you have plenty of space, oak trees, weeping willows, Sugar Maple, Gumbo Limbo and the Eastern Redbud are all brilliant options. While some are considered to be faster-growing trees than others, they all produce broad, leafy canopies that are perfect for lazing under.
For small backyards, there are plenty of shade-giving trees and shrubs that will thrive in containers. Provided the planters are large enough, with ample drainage and nutritious soil, you can enjoy some leafy shade up close to the house without any worry about wandering roots. Suitable <a href="https://www.homesandgardens.com/advice/best-trees-for-small-gardens" class="hawk-link-parsed" data-component="Inline Links">trees for small backyards</a> include Star magnolia, Japanese maples, olive trees and the majestic banana tree.
8. Protect Your Vegetable Patch From Curious Dogs
Whether you're planning to start a vegetable garden or already have one in your yard, you'll need to work out how to keep your curious canine from exploring every inch of your veg patch.
Dogs have an acute sense of smell, which can lead them right to your prize crops. Not only can this spell disappointment to you, but it can also prove dangerous for their health.
‘I like to enclose any backyard vegetable gardens to protect both the plants and the dogs,' says Megan Dufresne (opens in new tab), principal designer at MC Design. 'This helps to avoid digging in the vegetable bed or accidentally eating something they shouldn't.’
There are endless ways to protect your homegrown fruit and vegetables. A series of smart triangular cold frames are ideal if you don’t wish to zone off your vegetable garden, while glass bell jars, wirework cloches and Victorian-style lanterns are good for covering vulnerable prize crops.
If your grow zone covers a larger area of your plot, then partitioning it off with robust <a href="https://www.homesandgardens.com/gardens/how-to-dog-proof-fencing" data-url="https://www.homesandgardens.com/gardens/how-to-dog-proof-fencing" class="hawk-link-parsed" data-component="Inline Links">dog-proof fencing</a> or dense hedging plants (or both) is a practical and attractive option.
9. Utilize Underused Areas For Play
Don’t feel you have to let your pet take over your whole backyard, as dedicating a specific area for them can prove just as rewarding for them and give you peace of mind as well.
‘When designing a dog-friendly backyard I like to make sure I am efficient with my usage of space and take into consideration pet safety,’ says Megan Dufresne. ‘I like to activate often underused spaces like side yards or courtyards to create dog runs or play areas that can be gated off as needed.’
Angela Laws(opens in new tab), community manager at Trusted Housesitters agrees: 'First, it is important to create a secure space: a secure fence is essential to keep your dog from escaping and ensure their safety. The fence should be tall enough, strong and have no gaps wide enough for your dog to get through. You should also remove any hazardous materials or objects from the play area, and make sure the area is free of any sharp edges or loose parts that could cause injury.’
10. Install Dog-Friendly Boundaries
Keeping your pet pooch safe and secure is all important when they are outside, and your <a href="https://www.homesandgardens.com/ideas/garden-wall-ideas" data-url="https://www.homesandgardens.com/ideas/garden-wall-ideas" class="hawk-link-parsed" data-component="Inline Links">backyard walls</a> and fences play an important role. Making sure that they are in good, solid condition without gaps and holes is obvious, but how many of us also consider the height and depth of our boundaries?
Some breeds of dog can easily jump over six-foot fences, while others can be hugely cunning using planters, storage boxes and raised garden beds as handy launch pads for their escape plans. Digging is another favorite pastime for many dogs and the lure of the outside world can be enough encouragement for them to tunnel under fences. Thwart their efforts by sinking the boundary a foot or two into the soil or paving up to the edge of the partition.
Of course, dog owners know their pets best, so common sense prevails when it comes to taking these precautions. Most pooches do like to see what is going on though, so if you are about thinking of <a href="https://www.homesandgardens.com/gardens/how-to-build-a-fence-for-your-backyard" data-url="https://www.homesandgardens.com/gardens/how-to-build-a-fence-for-your-backyard" class="hawk-link-parsed" data-component="Inline Links">building a fence</a> or wall why not include a doggy porthole or window? Many composite fencing systems include decorative fretwork panels or even clear Perspex sections that can easily be incorporated into a run of solid fencing. Alternatively, if you are sticking to timber try sliding in a sturdy wood grill, trellis or even a clever Perspex viewing bubble, such as the BobbyPet dog fence window from Amazon(opens in new tab), so your pet can get his nosey fix.
WHAT IS A GOOD GROUND COVER FOR A DOG-FRIENDLY BACKYARD?
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Choosing durable and paw-friendly ground cover for your outside space can be tricky, especially if you need it to look good too, but there are a few options.
Bark chippings are great for doggy play areas away from the house. Good for digging in and burying their favorite toys in, they are soft and warm underfoot. Opt for cedar mulch if available as it has natural flea repelling qualities.
Rubber crumb is a great option for mature dogs, providing they don’t have a habit of chewing everything. Made from recycling old rubber tires it is environmentally friendly, free-draining and soft under-paw.
Pea gravel can be good for shady play areas too. It’s rounded shape is gentle underfoot and won’t get trapped in paws, plus it is easy and affordable to top up.
</article>
HOW DO I BUILD AN OUTDOOR DOG AREA?
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‘A little creativity goes a long way when creating a space for your furry friend. I like to activate unused or overlooked areas and give them a new purpose by converting them into pet spaces,’ says <a href="https://mcdesignshop.com/" target="_blank" data-url="https://mcdesignshop.com/" rel="noopener" class="hawk-link-parsed" data-component="Inline Links">Karina Farah</a>(opens in new tab), designer at MC Design.
‘When designing an outdoor space for your pup always take into consideration temperature safety. There should be both exposed areas with sun and shaded areas to allow your pet to get out of the heat.
'When choosing turf, opt for ones that are engineered to withstand and disperse heat so that you don't risk it becoming too hot for your dog's paws. And install a spicket or water hose nearby to make clean up easy and water readily accessible.'
</article>
Creating a dog-friendly backyard doesn't have to be time consuming or expensive. Although there are some bigger improvements you can make, there are also plenty of <a href="https://www.homesandgardens.com/ideas/backyard-ideas-on-a-budget" class="hawk-link-parsed" data-component="Inline Links">budget backyard ideas</a> that your pooch will love.
From creating shady spots where they can escape from the heat to dedicated areas where they can run around (and dig!) to their heart's content, making a few simple changes to the layout of your yard can keep everyone happy. And if you get it right, there's less chance of your prized flowers, lawn or crops in your veg patch getting trampled on by the paws of your furry friend.
2023-03-28T06:18:21-07:002023-03-28T06:27:24-07:00Hermes Realty Grouptag:hermesrealtygroup.com,2012-09-20:5164Equity Gains for Today’s Homeowners(Original article courtesy of <a href="https://www.keepingcurrentmatters.com/2023/03/02/equity-gains-for-todays-homeowners/">KeepingCurrentMatters.com</a>) Today’s homeowners are sitting on significant equity, even as home price appreciation has eased recently. If you’re a homeowner, your <a href="https://www.keepingcurrentmatters.com/2023/02/27/one-major-benefit-of-investing-in-a-home/">net worth</a> got a boost over the past few years thanks to rising home prices. Here’s what it means for you, even as the market moderates.
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How Equity Has Grown in Recent Years
Because of the imbalance between how many <a href="https://www.keepingcurrentmatters.com/2023/02/17/the-spring-housing-market-could-be-a-sweet-spot-for-sellers-infographic/">homes</a> were for sale and the number of homebuyers in the market over the past few years, home prices appreciated substantially.
And while price appreciation has <a href="https://www.keepingcurrentmatters.com/2023/02/16/wondering-whats-going-on-with-home-prices/">slowed</a> this year, that doesn’t mean you’ve lost all the equity in your home. In fact, the latest Homeowner Equity Insights report from CoreLogic <a href="https://www.corelogic.com/intelligence/homeowner-equity-insights-q3-2022/">finds</a> the average homeowner’s equity has grown by $34,300 over the past year alone.
And if you’ve been in your home longer than that, chances are you have even more equity than you realize.
While that’s the national number, if you want to know what happened in your area, look at the map below from the Federal Housing Finance Agency (FHFA). It <a href="https://www.fhfa.gov/DataTools/Tools/Pages/House-Price-Index-(HPI).aspx">shows</a> on average how much home prices have risen over the past five years, which has been a major driver behind equity growth.
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Why This Is So Important Right Now
While equity helps increase your overall net worth, it can also help you achieve other goals, like buying your next home. When you <a href="https://www.keepingcurrentmatters.com/2023/02/21/the-two-big-issues-the-housing-markets-facing-right-now/">sell</a> your current house, the equity you’ve built up comes back to you in the sale, and it may be just what you need to cover a large portion – if not all – of the down payment on your next home.
So, if you’ve been holding off on selling, it may be time to find out how much equity you have and how it can help fuel your next move.
Bottom Line
Homeownership is a long game, and if you’re planning to make a move, the equity you’ve gained over time can make a big impact. To find out just how much equity you have in your current home and how you can use it to fuel your next purchase, connect with a local real estate professional.2023-03-06T11:35:25-07:002023-03-06T11:40:16-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:5054Homestead Exemption Information(Information courtesy of <a href="https://georgia.gov/apply-homestead-exemption">Georgia.gov</a>) A homestead exemption reduces the amount of property taxes homeowners owe on their legal residence. You must file with the county or city where your home is located. Each county has different applications and required documents. Various types of homestead exemptions are available, including those based on assessed home value and homeowner age.
Homestead exemption applications are due by April 1 for the current tax year.
Choose your county below to be directed to the appropriate information!
Barrow - https://bit.ly/3DrfuGL
Cobb - https://bit.ly/3jlvBif
Cherokee - https://bit.ly/3wGPW4Q
Clayton - https://bit.ly/40daeQY
DeKalb - https://bit.ly/3WMYMsj
Douglas - https://bit.ly/3Y4CuUB
Forsyth - https://bit.ly/2WYp2oU
Fulton - https://bit.ly/2SvHdRb
Gwinnett - https://bit.ly/2CtGvcj
Hall - https://bit.ly/3HH2Xl1
Henry - https://bit.ly/2JHFVcN
Jackson - https://bit.ly/3WJ26Vm
Paulding - https://bit.ly/3XNRkyB
2023-01-30T13:51:57-07:002023-02-06T12:22:45-07:00Hermes Realty Grouptag:hermesrealtygroup.com,2012-09-20:5007Key Terms To Know When Buying a Home (Original article courtesy of <a href="https://www.keepingcurrentmatters.com/2023/01/13/key-terms-to-know-when-buying-a-home-infographic/">KeepingCurrentMatters.com</a>)
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Some Highlights
<a href="https://www.keepingcurrentmatters.com/2023/01/06/tips-to-reach-your-homebuying-goals-in-2023-infographic/">Buying a home</a> is a major transaction that can seem even more complex when you don’t understand the <a href="https://blog.firstam.com/15-real-estate-terms-you-should-know">terms</a> used throughout the process.
If you’re looking to become a homeowner this year, it’s important to know these housing <a href="https://www.ftc.gov/sites/default/files/documents/one-stops/real-estate-competition/realestateglossary.pdf">terms</a>and how they relate to the current market so you feel confident throughout the homebuying process.
Work with a trusted <a href="https://www.keepingcurrentmatters.com/2022/12/27/confused-about-whats-going-on-in-the-housing-market-lean-on-a-professional/">real estate professional</a> who can answer any questions as they come up.
2023-01-16T11:38:43-07:002023-01-16T11:42:14-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:49516 kitchen upgrades that will sell your home faster, say experts(Original article courtesy of <a href="https://www.homesandgardens.com/kitchens/kitchen-upgrades-that-will-sell-your-home-faster">HomesandGardens.com</a>)
Want to sell your home faster? These kitchen improvements will entice buyers, according to real estate experts.
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If there is one room in your home that's worth upgrading before a home sale it's the kitchen. Any real estate agent worth their salt will tell you that a well-equipped and well-designed kitchen will sell your home, and fast.
While you may have heard that buyers now look for homes with home offices and outdoor space, the major appeal of a great-looking, spacious kitchen has not gone away.
The good news is that if you're selling and <a href="https://www.homesandgardens.com/ideas/kitchen-remodel-ideas" class="hawk-link-parsed" data-component="Inline Links">remodeling a kitchen</a> isn't an option, you can make smaller upgrades that will make a big difference. Real estate professionals advise on what they are.
1. UPDATED CABINETRY
Think of your kitchen cabinets as the bone structure of your kitchen. Beautiful, freshly painted cabinets are one of the first things buyers notice about a kitchen, and up-to-date cabinets can tip a buyer in favor of buying a home even if other features in the kitchen will need upgrading after they move in.
Chenise Bhimull, an interior designer and a licensed realtor working at ZFC Real Estate(opens in new tab), explains that every seller will need to make their own call about how much of an upgrade their cabinetry needs: 'If the existing cabinets are in good condition, painting or refinishing them is all you need to do. However, if they are damaged or dated, replacing them with new cabinets can really upgrade the look and feel of the kitchen.'
It is worth investing in the best quality you can possibly find, and Bhimull especially recommends choosing cabinets 'with high-quality hardware and finishes that will stand the test of time.'
2. NEW APPLIANCES
It's worth putting yourself in a buyer's shoes here. Buyers will always prefer a kitchen with new appliances so that they can start using the kitchen as soon as they move in. Chenise Bhimull advises that 'an upgrade to modern stainless steel or energy-efficient appliances can add a lot of resale value. Investing in new appliances can make a kitchen look more modern and inviting and greatly appeal to potential buyers.'
Bhimull's top tip is to choose a suite of appliances with similar finishes for a cohesive look rather than buying appliances individually.
3. A NEW COUNTERTOP
A brand-new kitchen countertop can instantly elevate the look of the space and make it more appealing to potential buyers. Jennifer Patchen, Real Estate Broker at Opendoor(opens in new tab), recommends choosing high-quality materials: 'I recommend looking at quartz and porcelain because they are more cost-effective alternatives to marble, and are less maintenance.'
Today, quartz and porcelain countertops can give you the look and durability of a luxury countertop, but without the heavy price tag of real stone that as a seller you most likely will want to avoid.
Try to avoid going for cheaper laminate options if you can, as buyers will notice.
Exploring painted kitchen ideas should definitely be on your radar if you are selling your home. A paint job is one of the easiest upgrades to do yourself but can make a dramatic difference to the look and feel of the space.
Kamil Kowalski President at LimakWay Remodeling(opens in new tab) advises that it may not even be necessary to repaint the entire kitchen to improve your chances of a fast sale. 'Consider painting a wall with a bright hue, or adding a colorful backsplash to your countertops', says Kowalski.
An accent wall can be all that is needed to give your kitchen a more modern look, but that only applies to kitchens where the paintwork is already in good condition. You will know if your kitchen walls need a complete makeover.
While colorful kitchen ideas may be a way to go if you know what you're doing with paint, Monika Zasada, Home Renovation & Building Expert Curator at Sag Harbor-based De-mazing(opens in new tab), warns against using too many colors at once in the kitchen. 'Rather than introducing a plethora of colors (a high number shrinks the space visually), stick to a maximum of two colors', she says.
5. BRAND NEW LIGHTING
Kitchen lighting is the aspect of kitchen design that is sometimes neglected by prospective sellers, but it can make a huge difference to the impression a kitchen makes on buyers. If your kitchen currently only has inopportunely placed spotlights, it's time to rethink the lighting scheme. Jennifer Patchen confirms that 'replacing your lighting is a small but mighty change that will have a major impact on the room.'
Start by introducing strategically positioned pendant lights. Patchen recommends opting for 'fixtures with three lights or more to immediately brighten up the room and make it feel bigger.' Oversized pendants 'also act as a statement piece to make the whole room feel more intentional.'
6. A THOUGHTFUL LAYOUT
You may need to do a bit more planning here. Take an honest look at your kitchen layout: is there enough space for food preparation? Is the kitchen storage sufficient? If there are major deficiencies in the way the kitchen was planned, now is the time to make some improvements.
Jennifer Patchen recommends focusing on storage and countertop space as priorities: 'If your kitchen feels small and cramped, consider removing the doors from one of your upper cabinets for a lighter open-shelf look without losing storage. Similarly, if you feel like your kitchen doesn’t have enough countertop surfaces, consider purchasing a small kitchen island if your space allows for one.'
IS IT WORTH PUTTING IN A COMPLETELY NEW KITCHEN TO SELL A HOUSE?
If having read all of this advice you are beginning to think that perhaps replacing your entire kitchen is the better option, you should carefully weigh the pros and cons of investing in a brand-new kitchen before a sale.
Tomas Satas, Founder, and CEO at Windy City HomeBuyer(opens in new tab), advises that an entire kitchen remodel 'will fetch about 70% of the investment when you sell the home, providing that your kitchen is so outdated that it would keep you from getting the market value of your home. Whether that is worth it or not depends on what you paid for the home. Right now, it probably is. Next year, it may not be.'
It is worth keeping an eye on home prices in your area. If they continue growing in 2023, a brand-new kitchen may well be worth the investment for a seller. However, Satas stress that 'small changes can make a big difference', so you should still focus on making the smaller upgrades first. 2023-01-03T07:15:53-07:002023-01-03T07:23:55-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:49507 Smart Home Devices You Should Add To Your Space in 2023 (Original article courtesy of <a href="https://www.architecturaldigest.com/story/smart-home-devices-2023">ArchitecturalDigest.com</a>) These tech gadgets can simplify your life, and even help you save $$$ on energy bills.
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Waking up and getting to work before the winter light hits is a drag. But with smart home devices, you can automate yourself into a better mood pronto, whether it’s by easily turning on your favorite tunes, lighting up the hallways, or getting the kettle going for a welcoming cup of hot tea that’s ready when you walk into the kitchen.
If you’re a tech enthusiast, you probably already have a few “smart” appliances. But even if you don’t have any, you likely know someone who does. A <a data-offer-url="https://www.parksassociates.com/blog/article/10102022" class="external-link" data-event-click="{"element":"ExternalLink","outgoingURL":"https://www.parksassociates.com/blog/article/10102022"}" href="https://www.parksassociates.com/blog/article/10102022" rel="nofollow noopener" target="_blank" data-uri="f2211a7b521511dc5ed7532b95184076">report</a> published in October by Parks Associates, an emerging consumer technology research firm, surveyed 10,000 US households connected to the internet and found that 27% had bought a smart home device in the previous 12 months.
Even if you don’t have a smart thingamajig yet, you might be thinking about getting one. That same report found that 44% of American households plan to buy a smart home device in the next 12 months. And a recent analysis conducted by the Underfloor Heating Store, found that “smart home” is by far the most popular home renovation-related trend watched on TikTok, with roughly 4.2 billion views. In comparison, videos related to the second-most-popular home reno term (“enhanced outdoor spaces”) only garnered a relatively paltry 260,900 views.
But while smart home devices are popular, make sure to think about whether a particular device is right for you. Data privacy is something to think about, according to Angus Chen, a lead cybersecurity expert at MITRE. He points out that some of those devices could be listening to your conversations, taking note of your habits. To ensure privacy, seek out smart home devices that “allow opt-in or opt-out data collection, that allow you to configure security options,” Chen says.
And given the costs involved, it’s reasonable not to settle for anything short of revolutionary. But finding the right smart home device can also mean a lot of electronic waste, since not everything bought online and returned will be resold or ever used. That’s partially why TikTok creator Dani Marie of @danimariethatsme suggests interested buyers wait until their trusted channels review the products themselves to eliminate the wasteful guessing game. “If it’s something that you’re going to have in your house for a long time and use consistently every single day, then I would say it’s worth [the expense],” she says.
At the same time, smart home devices come with obvious perks. Chances are your shades won’t magically unfurl themselves just before you wake up each day, making smart blinds relatively more affordable than daily butler service (or bribing your housemate). Automating a task like double-checking that the front door is locked is another smart bonus.
Plus, it’s hard to put a price on customizing comfort in an instant. The ability to change the color temperature of light bulbs to match your mood is a whole new level of manifestation. And that’s not even considering the resource efficiency gains from some smart tools. For example, using a smart thermostat can result in savings of “approximately 8% of heating and cooling bills” depending on your climate, personal preferences, and heating/cooling equipment, according to the US Environmental Protection Agency.
All things considered, your values and wallet are going to dictate what type of smart home tech you try. Here are seven smart home devices that can make a difference in your home.
Smart light bulbs
When you jump in bed at night, no one wants to get up to turn it off. And when you’re trying to ease into sleep, you also want your lights to feel dimmer and cozier. Smart bulbs solve both of these inconveniences—plus allow you to program different times of the day to turn on or off—through voice control or app selections.
Smart showerhead
It’s not easy to be mindful of water consumption—let alone the energy needed to heat it up—when you’re <a href="https://www.architecturaldigest.com/story/shower-heads-bathroom-trends" target="_blank" data-uri="ab4d4ea90a48eb51388b2824714b3788">taking a moment for yourself in the shower</a>. But some smart shower heads, like Hai Smart Shower System, can think for you with programmable temperature and water use gauges that blink to different colors when you’ve hit set limits. Plus the stainless steel, groove-free design makes <a href="https://www.architecturaldigest.com/story/how-to-clean-a-shower-head" target="_blank" data-uri="db58622837d4cc3b31c9fc2800c56bf6">cleaning a cinch</a>, so you’ll use even less water in the long run.
Wifi irrigation controls
Having a lush, expansive garden sounds great—until you have to hose it down on every single hot summer day. Even if you only have a townhouse’s worth of plantable space, installing smart irrigation controls lets you enjoy the bounty without the daily chore of directing the water flow. The Rainpoint Smart Water Timer controls the spigot rotation and allows you to automate the watering—and even pause it if there’s rain in the forecast.
Smart locks
If you don’t want to hide keys under a rock around your house, smart move. But when you need to let someone in and you can’t be home, a smart lock helps save you time and headaches. Never again worry about a pet sitters or friends who need to get in while you’re out. But if you’re going to pick one up, buy a model that doesn’t looklike it’s a smart lock from the outside, to prevent anyone trying to outsmart a keypad, suggests Jason Boyer, the architect and real estate developer behind Karma, a community of smart homes in Phoenix. It should be “invisible, so that if somebody drives by, they can’t target that front door lock,” he says.
Smart thermostat
If you like coming home to a warm house but don’t feel like paying to keep an empty room toasty, look into smart thermostats. Bonus: Depending on where you live, you might be eligible for an efficiency rebate. Washington, DC, residents, for example, are eligible for a $50 rebate for qualifying thermostats.
Smart blinds
Whether you’re snuggled up on the couch ready to watch a movie or just trying to get to sleep, there are plenty of reasons why you might not want to get up to close the blinds. Smart blinds help you avoid that mundane little task and get to what’s important: <a href="https://www.architecturaldigest.com/story/the-white-lotus-season-2-symbolism-vases" target="_blank" data-uri="f0751aa7b199d2b693539e23e1c2ecd5">catching up on The White Lotus</a> during your work-from-home lunch break.
Smart diffuser
For those who like an air freshener on demand, or a penchant for forgetting to blow out candles, a smart diffuser is the way to go. With Pura you can use the app to select between two scents, schedule when the diffuser turns on, and even adjust the intensity.
2023-01-03T07:09:28-07:002023-01-03T07:15:39-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4923You Need a Home Maintenance Binder (and What to Put in It)(original article courtesy of <a href="https://lifehacker.com/you-need-a-home-maintenance-binder-and-what-to-put-in-1849886014">lifehacker.com</a>)
Track all your HVAC, plumbing, electrical, and landscaping maintenance and repairs in one place.
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Keeping track of interior and exterior home maintenance schedules, landscaping, and emergency contacts for repairs can be overwhelming, especially for new homeowners. Even for experienced owners, help with organization and a centralized place to keep information can be a struggle—and no one wants to be digging in a desk drawer or searching through a file cabinet for a repair history when you need your homeowner’s insurance information for an emergency repair. But creating a well-organized system to keep records and information handy is as simple as starting a maintenance binder.
In your binder, you should have sections for indoor, outdoor, and emergency information, keeping track of any work done on your house in each section. If you’re not sure where to get started, begin by taking stock of your household systems. You’ll need sections for HVAC, electrical, appliances, plumbing, roof and gutters, landscaping and garden, and exterior checks like vent covers and chimney caps. You should also include contact information for your favorite repair companies and emergency calls for things like roof or plumbing leaks. You can also include service numbers for your homeowner’s insurance, and any companies you have warranties with.
HVAC
Heating, air conditioning, and ventilation—including furnaces, AC units, heat pumps, vents, fans, built-in humidifiers and dehumidifiers, and any other equipment related to these systems—should all go under HVAC. Record when annual maintenance is done either by you or a professional, when filters are changed, when vents get cleaned, and any repairs you have done by date in this section of your binder. Make a list of maintenance and how often it needs to be done, checking off and dating it as you go.
Electrical
Anytime you have any updates done to outlets, lighting fixtures, or to any other part of your electrical system, you should record them in the electrical section of your binder. You can also include your monthly meter readings, and keep track of any repairs you have done or major renovations to the system, such adding solar panels.
<a class="js_header-anchor" id=""></a>Plumbing
Any plumbing work beyond a simple clogged drain should be kept in your plumbing section. This includes your sinks, showers, drains, and any appliances that are connected to the water supply. If you have a septic system or a water-filtration system, these should definitely be included in your binder. Any time you replace fixtures, add new drain pipes or water supply pipes, or have any of your drains inspected for root damage or other debris, you can record this in your binder.
<a class="js_header-anchor" id=""></a>Appliances
Keep all of your appliance information, including when and how often maintenance tasks like defrosting, filter change or cleaning, and hose inspection should be done. Make sure to check these off and date them as they are performed, and include notes on any repairs. This is a good place to keep receipts in a folder pocket to make sure any warranties are kept up-to-date and you can find the information when you need it.
<a class="js_header-anchor" id=""></a>Exterior
Cleaning gutters and clearing downspouts, as well as inspecting them for damage, should be done once or twice annually and recorded in your exterior maintenance log. You should also inspect your roof once a year and after any major storm or wind events. Landscaping like reseeding your lawn, replanting your garden, and any larger scale projects like regrading or repaving a driveway can also be kept in this section. Also track any time you have repairs done to your roof or exterior of your home.
<a class="js_header-anchor" id=""></a>Keep the physical documentation in a safe place
Having all of this information written down in one place will make it simpler to remember what needs to be done, which professionals you prefer to hire for the task, and when work was done by who, not just for you but also for insurance and warranty companies. While you can have an electronic back-up, remember that if you’re trying to find information in an emergency, you might not have access to the internet or even electricity. Keeping a paper copy of these documents in a safe place will give you some added assurance that you can get the help you need quickly when you need it most.
2022-12-20T08:08:47-07:002022-12-20T08:16:54-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4881Why Owning Real Estate in Retirement Is a Good Idea(Original article courtesy of <a href="https://www.fool.com/retirement/2022/11/27/why-owning-real-estate-in-retirement-is-good-idea/?source=isafpbcs0000001&amp;utm_source=flipboard&amp;utm_medium=feed&amp;utm_campaign=investment+plann">The Motley Fool</a>)
Owning rental real estate can be a good idea, no matter what age you are. But owning real estate in retirement can be extra advantageous because it can help you diversify your retirement income while also padding your retirement savings.
If you're looking for ways to expand your senior income, here are three reasons why owning real estate in retirement could be a good move for you.
1. Rental income
Rental income is the most obvious benefit of owning real estate. You, as the landlord, get a paycheck each month from the tenant.
If purchased wisely, the rental property should generate enough money from the monthly rental rate to cover its ongoing expenses, including maintenance, repairs, property taxes, and insurance, leaving you with extra cash each month to use as you please. This rental income is generated somewhat passively, making it a fantastic way to supplement your retirement income outside of savings, investment income, and social security alone.
Plus, rental income yields can be a lot higher than a traditional dividend stock. As an investor myself, I will generate a minimum of a 10% return on my rental properties. That means for every $10,000 I spend, I expect to generate around $83 a month in passive income.
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Rental properties also have the benefit of growth over time. From 2010 to 2020, the average annual rent grew by 4.7% on an annualized basis. The slight increase can help offset a rise in expenses related to the property, but since the mortgage payment is fixed, it can also lead to increased cash flow.
2. Price appreciation
Home prices aren't guaranteed to rise, but historically speaking, most <a href="https://www.fool.com/investing/stock-market/market-sectors/real-estate-investing/basics/inflation/" data-uw-rm-brl="false">homes appreciate</a> or rise in value over time. Supply and demand in the given market or for the property features themselves will ultimately determine if the home rises in value or falls. Buying a rental property that appeals to a wide range of people in a high-demand neighborhood or real estate market increases your chances of benefiting from appreciation over the long haul.
If you invest wisely, a $300,000 rental property could be worth far more 15 to 30 years from now. And by using the power of leverage to purchase a rental property, putting just 20% down for a fixed rate mortgage, each rental payment made by the tenant will build your equity.
As the debt is paid down and the home appreciates, you could be left with a notable safety net for your retirement savings, all from one 20% down payment. Having the flexibility of being able to sell the rental property or refinance it if and when you need the money is a huge fail-safe for your retirement years.
3. It can be as passive or active as you want
A lot of people hear the word rental property and <a href="https://www.fool.com/investing/2022/08/31/rental-properties-are-lots-of-work-here-are-2-effo/" data-uw-rm-brl="false">think of work</a>. It's true; there is a lot of active management that goes into owning rental property. But the good news is, it doesn't have to be done by you.
If you're looking to kick back and relax in your retirement years and have no desire to talk or work with a tenant on a property, you can hire a property manager to do the heavy lifting for you. Property managers will handle everything, from showing the property, screening tenants, collecting rent and safety deposits, and coordinating repairs on the property for a small monthly fee.
On the other hand, if you're looking for some part-time work to keep you busy during retirement, managing a rental property can help you stay busy. It's just important you learn the most effective steps to managing a rental property from screening tenants, advertising a property for rent, accepting online rental payments, bookkeeping best practices, and making sure to set aside money for future repairs.
Owning rental property isn't right for everyone. And there's a lot for you to consider when it comes to buying the right property. However, if you have extra investment money and are looking to diversify your <a href="https://www.fool.com/retirement/strategies/income/" data-uw-rm-brl="false">senior income</a>, rental property can be a tremendous path to take for your retirement years.2022-12-13T07:18:44-07:002022-12-13T07:23:13-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4832When to Get a Home Warranty & Alternatives to Seek When Not(Original article courtesy of <a href="https://purgula.com/warranties-and-maintenance/home-warranties-and-alternatives/">Purgula.com</a>) Scenarios when home warranty contracts are a good idea, and viable options when they are not. New maintenance options continue to expand to the benefit of homeowners.
Home Warranty Companies are constantly inundating consumers with offers both online and through unsolicited direct mail. What exactly is a home warranty? Under what circumstances are home warranties a good idea, and what are your options for repair costs outside of entering into such agreements? Here’s what you need to know to make an informed choice best suited for your situation.
WHAT IS A HOME WARRANTY?
Home Warranty contracts are “Service Contracts” for home repairs with very specific limitations. These contracts provide immediate service and repair on existing or “used” home appliances and systems. Home Warranty contracts are NOT insurance policies.
This is an important distinction since “insurance policies”, in general, assume that the holder of the policy derives some benefit. Home warranty contracts are the exact inverse of insurance in that they only cover what no insurance policy ever does – normal wear and tear. These contracts DO NOT provide protection from sudden events or unpredictable perils, such as fire, rain, contractor malfeasance or damage caused by people, pests or pets.
SERVICE CONTRACT INDEMNIFICATION
Furthermore, most states have passed the <a href="https://content.naic.org/sites/default/files/ST685.pdf" target="_blank" rel="noopener noreferrer">Service Contract Model Act</a> that indemnifies service contract companies and reduces the stringent regulations to which insurance companies must adhere. The recent trend has been to exclude Home Warranty service contracts from State Insurance codes. In other words, for most states, service contract companies are NOT under the strict regulatory authority of the State Insurance Commissioner. Florida is the ONLY state, at this time, which treats service contracts as insurance.
Similar to an “extended warranty” that is offered when you initially purchase an item, service contracts are always purchased at an additional cost. The written contracts usually has a coverage term that usually extends for a one year period and can be renewed each year.
Also, like the extended warranty, the obligor (the company offering the service contract) agrees to make repairs or replacements of items covered in the contract. Thus if an item, covered in the contract, fails or becomes inoperable, you may submit a claim to the obligor. The obligor, has contracts with various tradespeople and dispatches a service provider, based on your area and your specific needs. You will be required to pay a nominal service or Trade Call Fee (TCF), similar in spirit to a health insurance “co-pay”, as part of your contractual agreement. Thus the $50 TCF for a $1,000 HVAC fix may sound like a smart investment. But is it really?
HOME WARRANTY COVERAGE & LIMITATIONS
First, always make sure to read ALL of the fine print in the contract. It is important that you read and understand the plan’s coverage and limitations. This is where most property owners lose. Home warranty contracts are NOT routine maintenance contracts and only cover items which have failed to operate.
Even further, the reason for that inoperability MUST be the result of wear and tear and not external damage. A review of three of the top five major home warranty contact companies’ contracts over the last four years has revealed that the list of exclusions or items “Not Covered” has grown year after year. Additionally, over a period of four years, one company’s TCF increased by 50% from $50 to $75.
WHEN IS A HOME WARRANTY CONTRACT A GOOD IDEA?
The following circumstances present better suitability to enter a Home Warranty contract:
NEW HOME PURCHASE
Home warranty contracts are usually purchased as part of a real estate transaction, paid for by the seller, to provide the buyer a cost-effective recourse against any non-disclosed home defects. It makes the property easier to sell, as it is added assurance for the buyer should they be concerned about any unforeseen repair issues that may be encountered during the first year of homeownership.
Since the seller is responsible for the contract purchase, the buyer is only responsible for paying the TCF, which can range from $50 to $125 per claim, depending on the contract plan. A home warranty contract with a low TCF (around $75) is a good investment, as long as the item needing repair is covered. A smart move would be to group your claim under one trade. If you can, hold off repair of one fixture and wait until you have three covered electrical issues. In this manner you would only need to pay just one TCF for three service items.
RECURRING ISSUES WITH OLDER SYSTEMS
Should you discover that the HVAC system or some other large system within your home is close to being at the end of its life, it might be a good idea to invest in a home warranty contract. For less than $500 a year, you can have peace of mind against, air conditioning and heating expenses that may run upwards of thousands of dollars.
By purchasing a home warranty contract, you are only responsible for the contract cost and the TCF. The only caveat is that the repairs to the system must fall within the scope of covered items within the contract. This has been an issue of discontent for many home warranty customers. Here are just three example review websites that demonstrate this dissatisfaction:
<a href="https://bestcompany.com/home-warranty/company/old-republic-home-protection" target="_blank" rel="noopener noreferrer">Old Republic Home Protection Reviews</a> (Best Company)
<a href="https://www.trustpilot.com/review/ahs.com" target="_blank" rel="noopener noreferrer">American Home Shield Reviews</a> (Trustpilot)
<a href="https://www.trustpilot.com/review/go.fahw.com" target="_blank" rel="noopener noreferrer">First American Home Warranty</a> (Trustpilot)
Another caveat to note is, should your older system require replacement, there may be certain limits to the value of the new system. An example may be, if you own an older, high-end brand appliance, such as a Sub-Zero refrigerator, most home warranty contracts will only approve an amount equivalent to a “Builder’s Grade” replacement. In this case, the homeowner would have to cover the cost beyond the approved dollar limit.
RENTAL PROPERTIES
Home warranty contracts are useful for owners of rental properties with little handyman or mechanical skills. Home warranties can also be a time saver, as a property owner can rely on the warranty company to refer a qualified vendor quickly.
Once again, the item covered must be non-functional in order for the claim to be considered valid and the cause of the breakdown must be due to “wear and tear”. Should your tenant be the cause of the malfunction, you may not have a valid claim per the Limitations of Liability section of your contract.
FORECLOSURE SALE OR SHORT SALES
Properties that were purchased as a result of a Short Sale or Foreclosure are usually rife with issues. If you are fortunate enough to purchase a home for less than the property’s true value, you can imagine that maintenance was likely not front of mind for the previous owner. Basic preventative maintenance such as changing air filters, clearing gutters, and repairing leaks, were likely not performed, as the owner who lost the property was likely conserving cash.
A good basic home warranty plan could alleviate any misgivings a buyer may have, especially if the property is purchased below market value. Consider a home warranty contract as part of the purchase price. Check to see if the newly purchased foreclosed or short sale property has an existing home warranty contract, which can be transferred as part of the sale to the buyer.
PROPERTY SAT ON THE MARKET FOR A LONG TIME
Properties that sit on the market for a long period of time, especially in a seller’s market, do so for a reason. Perhaps the home fell out of escrow after a property inspection, or the buyer discovered some undisclosed defect. For whatever reason, a home warranty contract can serve as added assurance for those items which can be repaired if included in the plan contract. Once again, existing valid warranties can be transferred to the buyer thus obligating the buyer to pay only the service or Trade Call Fee for repairs.
PROPERTY WAS RECENTLY FLIPPED
Properties which were recently “flipped”, meaning the property was purchased for a short period of time and then sold, are another area of concern for home buyers. There could be many reasons why the previous owner chose to sell a property so soon after purchase: job transfer, personal bankruptcy, divorce or the home’s own internal issues.
While one person’s misfortunes can be another person’s gain, a home warranty contract can provide the peace of mind when purchasing a flipped property. Once again, a home warranty will not cover a complete list of issues, and should be purchased only after a solid, comprehensive home inspection by a qualified, licensed inspector.
PROPERTY IS LOCATED FAR AWAY
Taking care of a property from a distance is challenging. Whether you own a vacation condo or rental property, a warranty contract could make it easier to handle on-going maintenance repairs. Again, a warranty company’s access to local, quality tradespersons would be beneficial.
PROPERTY IS BEING SOLD
As mentioned earlier, a home warranty contract is an attractive benefit to prospective buyers. Research supports that homes that come with warranties sell more quickly and for a higher average price than do comparable homes that do not provide warranties.
INNOVATIVE HOME WARRANTY COMPANIES
Before foregoing a home warranty contract, be sure to research the latest offerings within the home warranty space. Admittedly, many Home Warranty companies have had a reputation of providing less-than-stellar service and not updating their plans or capabilities.
That said, don’t assume that nothing has changed since you last signed up or consider a home warranty plan. You may be surprised what you find.
(continue reading article <a href="https://purgula.com/warranties-and-maintenance/home-warranties-and-alternatives/">here</a>)2022-11-29T07:35:02-07:002022-11-29T07:57:53-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4782What You Need to Know About Pre-Mortgage Approvals(Original article courtesy of <a href="https://www.housedigest.com/730897/what-you-need-to-know-about-mortgage-pre-approvals/">housedigest.com</a>) Becoming pre-approved for a mortgage is an essential part of the homebuying process and should be completed as early as possible. It's basically a lender's way of saying that, if your finances don't change drastically before you close on the home you're interested in, they will give you the money to buy it, as per Credit Karma. However, obtaining a mortgage pre-approval doesn't always mean you will go on to receive the total amount promised. The Consumer Financial Protection Bureau reports that upon investigation, some applicants are denied due to financial discrepancies.
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Most sellers favor pre-approved buyers for mortgages because it means the sale is most likely to close. This is because pre-approved buyers' finances are often more in order than those who have not been through the process. Pre-approval also helps potential homebuyers, as understanding how much a bank is willing to lend them through a mortgage can assist in crafting a more realistic housing budget.
Pre-approval isn't the same thing as pre-qualification
A mortgage pre-approval is a step above a mortgage pre-qualification. It's a deeper look at your unique financial situation instead of just a quick estimate based on surface information. To get a pre-qualification, you provide a lender with your name, contact number, and a general assessment of how much money you make, any assets you currently have, and any debt you hold. The lender does not verify these numbers, but if you are truthful, they can still give you a reasonable ballpark estimate of what kind of price point to consider as you shop for homes, per Ramsey Solutions.
However, being pre-qualified will not lead to actual financing because all of the numbers are just estimates and not subject to any investigation. It's easy enough to hide debt from your lender or inflate your income during pre-qualification. Due to this, to actually obtain a mortgage, you have to take things a step further and substantiate any claims you made with the pre-approval process. However, it's important to note that pre-qualification is a completely skippable step in the mortgage process. If you are ready to move forward quickly, you can gather the required information and proceed directly to pre-approval.
You have to prove how much money you make each year
The mortgage pre-approval process includes gathering plenty of documents to prove your current financial situation. Be sure to have copies of your social security card, bank statements, tax returns, employment history with payslips, and proof of your current credit score. If a family member or friend is assisting you financially with purchasing a home, the Home Buying Institute recommends you acquire a letter of support from them. The letter should state the amount of the gift received, when it was given, and that it is, in fact, a gift and not a loan you will need to repay eventually.
The First Federal Bank of Kansas City warns that pay stubs from your current employer might not be sufficient, and if you earn any secondary income from social security, child support, alimony, or even stock dividends, that you should also report it to your mortgage lender. That way, they can have the fullest picture possible of your current financial situation.
If you frequently change jobs, you might have more explaining to do
Before approving an applicant for financing, one of the key things that mortgage lenders look for is financial stability. Essentially, lenders want to make sure that your paycheck is steady so that they can have a portion of it each month. Because of this, if you haven't been at your job for very long, or if you frequently change jobs, you might have a little bit more explaining to do to justify your choices, per Landmark Home Warranty.
According to the Connecticut Business & Industry Association, job-hopping is now more popular than ever for things like seeking out better company culture, enjoying more work-life balance, and taking home a larger paycheck. However, your mortgage lender is less likely to be interested in your reasons for your employment history. Instead, they'll be more interested in a continued upward trend in guaranteed income. Their number one fear would be that you will be in a completely different financial situation six months from now, and they won't receive a return on their investment. One way to avoid this is by waiting until you've been with your new company for six to nine months before applying for pre-approval. You can also supply your lender with an irrefutable paper trail that, with every job change, your finances have never been under stress and only continue to improve.
Lenders are known to ask tricky questions
A mortgage lender's number one priority is ensuring a return on investment. They want to make sure that every single cent they give out will land right back in the institution's pocket. Because of this, the deep dive that lenders do on your finances might seem a little intense at times. Lenders will ask questions that might seem too personal, and might come across as prying or nosy.
For example, according to Bank of America, you might be asked why you put your car payment on your credit card instead of paying it off each month. You will also be quizzed about any other large credit purchases. As long as you can honestly explain your financial choices, the pre-approval process should proceed smoothly, but be ready to answer the questions as they arise. To that end, MarketWatch recommends that you make financial accounts like PayPal, Venmo, and Cash App as private as possible, lest you have to explain payments between friends with questionable memo lines to your mortgage lender.
It can take up to two weeks for full approval
Getting pre-approved for a mortgage isn't a quick process. While it's not drawn out by any means, it's not uncommon for a traditional lender to take up to 10 business days for a pre-approval, according to Credible. This is why it's better to get pre-approved as soon as you can, so you don't miss out on putting in an offer for a great house while you are waiting.
However, mortgage pre-approval doesn't last forever, either. Once you get the go-ahead, approval lasts for 60 to 90 days barring any severe change of circumstances. If your financial situation does change drastically, contact your lender right away to receive an updated letter. Examples would be if you need to spend your down payment on an emergency or a family member makes a large contribution to your down payment. If you cannot close on a home before your current letter of pre-approval expires, contact your lender about two weeks in advance to ask about extending things. This way, you won't be without pre-approval for too long and won't need to pause your house-hunting efforts.
Apply with more than one lender for the best rates
Just like with any major purchase, choosing your mortgage lender isn't a choice to make lightly. To get the best deal, most homeowners approach multiple lenders for information and options. Because of this, homeowners who shop around typically get the best rates and can save thousands of dollars throughout the loan.
NerdWallet's national survey discovered that buyers who approached at least five lenders for mortgage pre-approvals saved an average of $430 in interest over the loan's first year, and with savings continuing to compound as the loan aged. The survey also discovered that collectively, American homebuyers could save up to $776 million a year by comparing mortgage lenders. To find the best lenders in your area, you can speak to family, friends, your real estate agent, or a financial advisor. However, you don't always need to approach five lenders. Experts at Time recommend at least two to three lending options, but the more you have to choose from, the better.
You can still be pre-approved with bad credit or a small down payment
Homebuyers traditionally try to save up to 20% of the total purchase price for a down payment. This is because anything below 20% is typically subjected to private mortgage insurance, commonly called PMI, per Investopedia. Buyers can pay the insurance premiums monthly, and they typically cost from 0.25% to 2% of the total mortgage per year. The final PMI number depends on things like the actual size of the down payment, how long your mortgage is for (15 years, 30 years, etc.), and your credit score. Because of PMI, it's still possible to purchase a home for a great rate with a small down payment, as long as you have a good credit score. Buyers with good credit scores can also consider options like government loans from the United States Department of Agriculture or the Department of Veterans Affairs, depending on their eligibility.
However, if you currently have poor or average credit, which according to Rocket Mortgage, is a score below 600, there are still options. If your score is at least 500, you might still qualify for a mortgage through the Federal Housing Administration if you can save up at least 10% of the purchase price. If you have less than 10% on hand, you'll need a score of up to 580. If your credit score is below 500, you will need to raise your credit score before applying for mortgage pre-approval.
Build up your credit before applying
The better your credit score, the lower your potential interest rate on your mortgage. This can save you money in the long run. For example, you could expect to pay roughly $850 a month for 30 years on a $200,000 loan with a 3% interest rate. However, if you have an interest rate of 5%, your monthly payments could be up to $1,175. That's nearly $10,000 more in interest over the life of the loan. So, take small steps to build your credit by paying your monthly minimums and aiming to use only 30% of the credit available to you, according to Investopedia.
However, applying for mortgage pre-approval can briefly lower your credit score, as it's akin to applying for a loan. That means it requires a "hard hit" on your credit score with one of the three main credit agencies (via Experian). So be ready ahead of time for a temporary dip.
Negotiate your interest rate with your lender with a buydown
If you pay your lender a "buydown" charge upfront, you could save thousands in interest down the line. Remember, mortgage companies can charge you a higher interest rate to help lower your closing costs, but you can also pay them a bit more to reduce the overall price, per Quicken Loans. However, whether or not you choose to use this strategy depends on two main factors: your current cash reserves and your intended length of stay in your new home. If you purchase a starter home and don't intend to stay more than five years, then the savings you could incur from buying down your interest rate could be negligible (via Dream Home Financing). However, for a 15-year or 30-year mortgage, the interest savings would start to add up.
On the other hand, it might not be appealing to have to cover yet another cost while closing on your home. The buydown cost would be on top of the cost of moving, furnishing your new home, and your down payment. If coming up with the cash at the start is too difficult, it might be worth paying a higher interest rate over time in the name of convenience.
Don't make any big purchases during the process
Taking out a mortgage is likely to be one of the biggest financial choices you will ever make, according to The Mortgage Reports. You've been saving your down payment, considering the best neighborhoods and features you want in a home, and now it's finally time to make it happen. One of the worst things you can do for your chances of success during the mortgage pre-approval process is taking out a new line of credit, according to the U.S. Bank. So, while you might also need a new car while you look for a home (or a boat, we won't judge), purchasing one on credit can really jeopardize things for you, as your debt to income ratio will increase. If this happens, your financier will no longer have accurate information and is unlikely to approve you.
To avoid this happening, only open one large line of credit at a time. Be sure to have your mortgage sorted before opening a car or boat payment. And by sorted, we mean a pay period or two after closing day. Or, better yet, pay cash for the item if it's needed right away, which won't affect mortgage financing options at all (via Louisiana Federal Credit Union).
Getting pre-approval doesn't guarantee full approval
In certain circumstances, being pre-approved for a mortgage doesn't translate into being fully approved. This could be for several reasons, like a significant change in your credit score or a change in your current employment situation. While it makes sense that major financial changes would impact the availability of a loan, other contingencies are more difficult to expect. That is, the lender's final approval can be determined by the home you choose and its condition.
Fox Business reports that mortgage lenders have been known to deny financing on homes that run into problems during the appraisal process. If the home is appraised for less than the amount you've been pre-approved for, it's likely your lender won't finance it, as it's a poor investment. If this happens, you can ask the seller to lower the price to the home's actual appraised value, or the least attractive option, cover the price difference yourself.
Mortgage pre-approval makes you a stronger buyer
Being pre-approved for a mortgage makes you a stronger buyer than someone who is only pre-qualified for one. This is because your financing is more likely to come through than that of other potential buyers, so the sale has a higher chance of closing. Because of this, once you obtain pre-approval, sellers might consider your offer over others. This could be very beneficial in a hot housing market as the only serious competition for your dream home would then be an all-cash buyer.
Besides the competitive edge, obtaining a mortgage pre-approval also makes you a stronger buyer because it gives you the chance to iron out any hiccups in your finances before trying to make an offer on your dream home. For example, Rocket Mortgage reports that buyers who are only pre-qualified instead of pre-approved might run into problems. They might have a high debt-to-income ratio or an incorrect poor line of credit that they cannot fix in time for the home they want. However, pre-approved buyers have plenty of time to correct discrepancies before moving forward.
Don't be discouraged if you are rejected
Sometimes, your application for mortgage pre-approval might be declined. However, this isn't a reason to panic, as most reasons for pre-approval rejections are completely fixable, often in as little as a few months. If your application is rejected, be sure to ask the lender for the exact reasons, so you can correct them going forward, per One Trust Home Loans.
If your credit is too low, NerdWallet reports that you can raise your credit score by 100 points by paying your card balances off in such a way that you always hit the monthly minimums for each account. You can also ask family or friends with better credit to add you as an authorized user to their credit cards. According to Forbes, another common reason for mortgage pre-approvals getting denied is insufficient funds for a down payment, or inadequate reserves, which is the money you would use to pay the first few months of the mortgage after closing. If this is the case, a few more months of savings could make all the difference.2022-11-15T07:21:36-07:002022-11-15T07:30:57-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4713How to Plan a Remodel and Stay on Budget(Original article courtesy of <a href="https://www.houzz.com/magazine/how-to-plan-a-remodel-and-stay-on-budget-stsetivw-vs~163419089?bsft_aaid=329e9826-7f03-489a-bf58-7ecadf452c0f&bsft_eid=2be27507-2206-4b7e-95a5-bac05de76b8f&bsft_pid=b74a1950-30ff-442e-bc79-760d61af76a1&utm_campaign=101222-us-homeowner-newsletter&utm_source=blueshift&utm_medium=email&utm_content=101222-us-homeowner-newsletter-10-welcoming-front-porches&bsft_clkid=b80d0ba0-5033-412c-b8e3-5f348bb762e4&bsft_uid=9aaf81e1-de2e-4ef1-974f-9b65fad0da6f&bsft_mid=91b8c40c-0c2d-402c-80df-401e5070f71d&bsft_pp=3&bsft_link_id=15059&bsft_mime_type=html&bsft_ek=2022-10-12T08%3A00%3A38Z&bsft_lx=31&bsft_tv=14&bsft_bk=block1&utm_term=block1prod2">houzz.com</a>)
Worried about how price increases will affect your renovation? Experts share insider tips for keeping costs in check.
Material price increases, product delays and subcontractors in high demand — remodelers are experiencing pressure from all sides at the moment. Choosing products early, seeking advice from your builder or designer, and being flexible with your selections are key to keeping your budget in check and your project on track, say the four design and building experts we spoke to. Read on to pick up more of their insider tips.
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The Impact of Price Increases on Projects<br /><br />“The price rises have affected us enormously,” says Neil Turrell, managing director at <a target="_blank" href="https://www.houzz.com/pro/turrell-building/turrell-building-pty-ltd">Turrell Building</a><a target="_blank" href="https://www.houzz.com.au/pro/turrell-building/turrell-building-pty-ltd">.</a> “We have a few projects that are valued over several million dollars each and the duration for these kinds of builds is two years plus. These projects were fixed contracts, so we have had to wear the cost of all the price rises on the complete builds over the past two years. That hurts when building materials, deliveries and trades have gone up 35% and builders only work to a 20% profit margin generally.
“I believe the increase in interest rates and in products and materials has changed the face of our industry,” says Alan Nasrallah, interior design director and founder of <a target="_blank" href="https://www.houzz.com/pro/webuser-791448561/indulge-renovations">Indulge Renovations</a><a target="_blank" href="https://www.houzz.com.au/pro/webuser-791448561/indulge-renovations">.</a> “Rather than allowing our designers to choose just one product supplier for a project [which was previously often the norm], most clients now want us to provide them with two quotes, giving them the option to choose more cost-effective products.”
“International shipping delays, the tripling of container prices and port fees, and a drop in raw material supply have all contributed to a rise in project costs,” says Maria Cerne, interior designer and principal at <a target="_blank" href="https://www.houzz.com/pro/studioblackinteriors/studio-black-interiors">Studio Black Interiors</a><a target="_blank" href="https://www.houzz.com.au/pro/studioblackinteriors/studio-black-interiors">.</a> “Locally, delays due to lockdowns and transport issues, along with reduced staffing capacity, have also played a significant role.<br /><br />“Price rises have impacted the overall build and renovation costs for homeowners, which flows down to the budget for finishes and fixtures. We have had to adjust the materials we might typically use in favor of comparable products that are more reasonably priced and accessible,” Cerne says.<br /><br />“For example, if an Italian tile had been our first choice, we are now specifying tiles available locally that are more reasonably priced and have a shorter lead time. Rather than specifying specialty finishes, such as brushed brass for plumbing fixtures, we are sticking to the more classic, standard finishes, such as chrome and nickel.”
How You Can Help Keep a Lid on Project Costs<br /><br />Melissa Woodcroft, director at <a target="_blank" href="https://www.houzz.com/pro/conceptsunlimited/concepts-unlimited-design">Concepts Unlimited Design</a><a target="_blank" href="https://www.houzz.com.au/pro/conceptsunlimited/concepts-unlimited-design">,</a> says:
Work closely with your builder and engineer during the design phase to limit additional costs, such as minimizing spans of beams and using readily available materials.
<a target="_blank" href="https://www.houzz.com/professionals/home-builders">Find a builder</a> and book a spot in advance with a good lead time between signing the contract and build commencement. Waiting means your builder can plan and book trades and order materials in advance.
Choose fixtures early. Making selections at the last minute will often mean less choice, higher costs and poorer-quality items.
Work with an experienced interior designer who knows the best products at the best prices and who understands warranties and where to purchase them. Using an interior designer will ensure you can avoid provisional cost amounts (estimates) from your builder for specifications that you can have a fixed-price contract on, which avoids variations.
Stage your build. Work with your builder and establish whether nonessential work, such as nonessential cabinetry, can be completed at a later time.
Consider a smaller initial remodel but work with an experienced architect or building designer to create a master plan that can be executed at a later stage. Staging a build doesn’t mean the project is less expensive overall –—in fact, it often means the project will cost more in the long run — but it can enable homeowners to get some of the most urgent work done in manageable pieces.
Cerne says:
Work closely with your builder and interior designer in the early stages of the project and seek expert input into all aspects of the design, from the floor plan to the material selections before the project commences.
Order items such as appliances, windows, doors and plumbing fixtures months in advance to ensure they are available and ready in time for construction.
Buy and source materials locally and domestically to reduce waiting times.
Be flexible so you can pivot and adapt to changes, price increases and delays with an alternative plan or substitution.
Nasrallah says:
Rather than natural stone, consider a porcelain look-alike. Everyone loves natural stone, but the cost can blow your budget out of the water. A porcelain alternative can reduce costs significantly.
If your heart is set on natural stone, ask your designer or builder whether a stonemason has remnants you can use for smaller projects.
If you want colored fixtures, choose premade styles rather than having it custom-colored. You might have to compromise a little on the color, but the off-the-shelf options have grown significantly in recent years, so chances are you may find the perfect hue.
Choose a ready-made bathroom vanity rather than having one custom-designed. A large number of companies produce attractive off-the-shelf vanities at a fraction of the cost of custom styles — some even come with marble countertops. They are limited in sizes, but a good designer will make them work in your space.
Turrell says:
Buy products and appliances early and store them, if necessary. This helps secure costs in a fragile climate.
Be efficient with your design and minimize the use of steel where possible, subject to engineering requirements. Using wood beams instead of steel will help mitigate steel-price increases, which are expected to continue. While there are ongoing price rises and challenges sourcing wood, it is still cheaper than steel.
Be patient on the timelines of your project. This allows your builder to get multiple trade quotes and means you’re less likely to be stuck paying a premium price for super-busy trades.
Be open to sharing some of the price increases with your builder. This can help your builder finish the project and not feel pressured into thinking they have to cut corners.
2022-10-25T06:50:42-07:002022-10-25T06:59:20-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4690Four Things That Help Determine Your Mortgage Rate(Original article courtesy of <a href="https://www.keepingcurrentmatters.com/2022/10/12/four-things-that-help-determine-your-mortgage-rate/">KeepingCurrentMatters.com) </a>
If you’re looking to buy a home, you probably want to secure the lowest interest rate possible for your home loan. Over the last couple of years, that was easier to do as the housing market saw record-low mortgage rates, but this year rates have risen dramatically.
If you’re looking for ways to combat today’s higher rates and lock in the lowest one you can, here are a few factors to focus on. Since approval opportunities can vary, connect with a trusted lender for customized advice.
Your Credit Score
Credit scores can play a big role in your mortgage rate. Freddie Mac explains:
“When you build and maintain strong credit, mortgage lenders have greater confidence when qualifying you for a mortgage because they see that you’ve paid back your loans as agreed and used your credit wisely. Strong credit also means your lender is more apt to approve you for a mortgage that has more favorable terms and a lower interest rate.”
That’s why it’s important to maintain a good credit score. If you want to focus on improving your score, your trusted advisor can give you expert advice to help.
Your Loan Type
There are many types of loans, each offering different terms for qualified buyers. The Consumer Financial Protection Bureau (CFPB) <a href="https://www.consumerfinance.gov/about-us/blog/7-factors-determine-your-mortgage-interest-rate/">says</a>:
“There are several broad categories of mortgage loans, such as conventional, FHA, USDA, and VA loans. Lenders decide which products to offer, and loan types have different eligibility requirements. Rates can be significantly different depending on what loan type you choose.”
When working with your real estate advisor, make sure you find out what’s available in your area and which types of loans you may qualify for.
Your Loan Term
Another factor to consider is the term of your loan. Just like with location and loan types, you have options. Freddie Mac <a href="https://myhome.freddiemac.com/blog/homeownership/beginners-guide-home-loans">says</a>:
“When choosing the right home loan for you, it’s important to consider the loan term, which is the length of time it will take you to repay your loan before you fully own your home. Your loan term will affect your interest rate, monthly payment, and the total amount of interest you will pay over the life of the loan.”
Depending on your situation, the length of your loan can also change your mortgage rate.
Your Down Payment
If you’re a current homeowner looking to sell and make a move, you can use the <a href="https://www.keepingcurrentmatters.com/2022/09/20/watching-the-stock-market-check-the-value-of-your-home-for-good-news/">home equity</a> you’ve built over time toward the <a href="https://www.keepingcurrentmatters.com/2022/10/10/saving-for-a-down-payment-heres-what-you-should-know/">down payment</a> on your next home. The CFPB <a href="https://www.consumerfinance.gov/about-us/blog/7-factors-determine-your-mortgage-interest-rate/">explains</a>:
“In general, a larger down payment means a lower interest rate, because lenders see a lower level of risk when you have more stake in the property. So if you can comfortably put 20 percent or more down, do it—you’ll usually get a lower interest rate.”
To learn more, connect with a lender to find out the difference a higher down payment can make for your new mortgage.
Bottom Line
These are just few factors that can help determine your mortgage rate if you’re buying a home. The best thing you can do is have a team of professionals on your side. Connect with a local real estate professional and a trusted lender so you have the expert advice you need in each step of the process.2022-10-16T10:09:00-07:002022-10-16T10:15:06-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4645Why Buying a Home May Make More Sense Than Renting(Original article & graphic courtesy of <a href="https://www.keepingcurrentmatters.com/2022/09/30/why-buying-a-home-may-make-more-sense-than-renting-infographic/">KeepingCurrentMatters.com</a>)
Some Highlights
If you’re trying to decide whether to rent or buy a home, consider the <a href="https://www.keepingcurrentmatters.com/2022/08/03/buying-a-home-may-make-more-financial-sense-than-renting-one/">advantages</a>homeownership offers.
Buying a home can help you escape the cycle of <a href="https://www.census.gov/housing/hvs/files/currenthvspress.pdf">rising rents</a>, it’s a powerful <a href="https://cdn.nar.realtor/sites/default/files/documents/2022-snapshot-of-race-and-home-buying-in-the-us-report-02-23-2022_0.pdf">wealth-building tool</a>, and it’s typically considered a good hedge against <a href="https://www.realtor.com/research/july-2022-rent/">inflation</a>.
If you’re ready to take advantage of the benefits of homeownership, talk with a trusted real estate professional to <a href="https://www.keepingcurrentmatters.com/2022/09/13/three-things-buyers-can-do-in-todays-housing-market/">explore your options</a>.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-10-04_at_10.53.37_AM.jpg" width="844" height="1496" />2022-10-04T04:52:00-07:002022-10-04T07:57:44-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4451What Happens if You Remodel a Home Without a Permit?(original article courtesy of <a href="https://www.bobvila.com/articles/remodel-without-permit/">bobvila.com</a>)
Q: We recently bought a new house, and we’re going to finish out the basement for added living space. We plan to do all the work ourselves, so do we need to pull a permit? What happens if we don’t get one?
A: Congrats on the new house! Local building codes vary from community to community, but depending on the extent and type of work you’ll be doing, you may need a permit. In general, you’ll need a permit to change load-bearing walls or install any plumbing or wiring. Some communities require permits for other types of projects as well. However, purely cosmetic projects, such as painting and carpeting, typically don’t require permits.
The second part of your question is trickier. If the authorities discover you didn’t pull a <a href="https://www.bobvila.com/articles/357-first-step-get-a-permit/" target="_blank" rel="noopener noreferrer">permit</a> when you should have, you may face penalties—or worse. Depending on the rules in your community, any of the following could occur if you fail to get the necessary permits.
Buyers could back out of a contract to purchase your home.
When you pull a permit, the local building authority examines the plans and often inspects the project to ensure it’s <a href="https://www.bobvila.com/slideshow/10-building-code-violations-your-home-may-be-guilty-of-51939" target="_blank" rel="noopener noreferrer">up to code</a>. The project is then recorded and tied to your home’s deed at the local Register of Deeds Office. When you go to sell the house, the deed is examined, and if the information listed is different from the actual property, a potential buyer can usually back out of the deal.
Homeowners facing this situation may be able to obtain a “retroactive” permit by contacting the building authority and explaining what happened. The work may need to be inspected by experts to obtain the permit. At any rate, the best course of action is to disclose the issue to your real estate agent so potential buyers know up front what to expect.
In a worst-case scenario, you may have to tear out all the updates.
In some communities, the permitting rules are so strict that homeowners may have to tear out their work when an unpermitted remodeling project is discovered. This extreme penalty usually pertains when homeowners do their own electrical, structural, or <a href="https://www.bobvila.com/slideshow/the-6-best-things-you-can-do-for-your-plumbing-53045" target="_blank" rel="noopener noreferrer">plumbing</a> work. The degree of caution is understandable: Building authorities exist to control the safety and quality of construction practices, and the way they do that is by requiring permits and enforcing codes.
Because hiring professionals to complete a remodeling project can be cost prohibitive, it’s easy to understand why some homeowners are tempted to bypass the permit process. There are, however, money-saving work-arounds. For instance, if you’re knowledgeable about <a href="https://www.bobvila.com/articles/506-green-homes-advanced-framing-techniques/" target="_blank" rel="noopener noreferrer">framing</a>, plumbing, or electrical work, it may be possible to hire a licensed professional as a consultant, do the work yourself, and then have the expert sign off on the quality of the work. A permit will still be necessary, however, and the professional will have to approve the plans.
Homeowners insurance may not cover damages caused by unpermitted work.
Home insurers bank on the fact that the property they’re insuring is sound, both structurally and mechanically. If a homeowner connects a gas line or runs new electrical wiring and then the house burns down, the insurer may not pay for the loss if it’s determined that the fire originated in the wiring or was due to a leaky gas line.
In addition, if the insurer gets wind of the unpermitted project, the <a href="https://www.bobvila.com/articles/what-does-homeowners-insurance-cover/" target="_blank" rel="noopener noreferrer">homeowners insurance</a> agency could cancel the coverage. Getting new coverage could be challenging because insurers often share information with one another.
You could face steep penalties.
Most homeowners who bypass the permitting process do so in order to save a few bucks. Depending on the community and the project itself, permits start at around $100 and run as high as $600 or more. Getting caught could earn you a fine of over $1,000, so it’s usually best to just get the permit from the start so you don’t have to worry about it later.
You could also face public shaming: Some communities publish the names of those who do work without permits, which adds a little more incentive to follow the letter of the law.
You may be liable for damages even after you sell the house.
Even after you sell your home and move on, you could still be liable if your previous home suffers damage due to unpermitted work you did. If a fire starts in the wiring you ran, or if the house shifts because you removed a load-bearing wall, the current owner may be able to file a suit against you and collect for the damages.
In short, although it may be tempting to skip the permit process, it’s rarely a good idea. Permits help maintain consistent and safe building practices, so contact the local building authority before you get started. The permit may not cost as much as you think, and you won’t have to worry about getting caught later.
2022-08-16T09:27:00-07:002022-08-16T09:30:42-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:44215 Glaring Signs That You May Be Buying The Wrong Home (article courtesy of <a href="https://www.housedigest.com/952463/glaring-signs-that-you-may-be-buying-the-wrong-home/">housedigest.com</a>) Much earlier, when we explained the entire home buying process, we categorically stated that house hunting is not a bed of roses. Inspections could be conflicting, and moving from house to house could be time-sucking and strength-draining, via Movoto. But if you'll be getting value for your money and a place you could live in and love for many years, then every broken sweat is worth it. But beyond handling the bidding war like a boss, there are other factors to consider.
Most people tend to say, "I knew this house was for me the moment I walked into it." While that may be true, the emotional attachment to a piece of property could blind you from seeing the hitches or deceive you into thinking you can handle it. It's just another proverbial case of "love is blind," but this time, it's with property and not with a high school sweetheart. In a bid to lighten the house hunt burden, we have compiled glaring signs that show you're about to make a huge mistake purchasing that property. Hopefully, this piece helps you make a better and more informed choice.
1. The finances are not adding up
Since we're talking red flags, the brightest of them all is when the outright purchase or the mortgage payment of a house would put a strain on your finances. We understand the fact that a home can seem like everything and more, and of course, you love luxury. But stick within the confines of your budget, and your future self will thank you. If payments for the chosen home are above your initial budget, you should never waive it off by attempting to manage the costs. A 2021 report in the China Finance and Economic Review details that interests and tax levies go up over time, but they do not decrease, which typically implies a problem. You'll never be able to keep your head from going under.
To determine if mortgage repayment is going to be seamless, there are several factors you need to consider. These factors include gross income, front-end ratio, and back-end ratio, via Investopedia. This is how investors decide. However, if none of those make much sense to you, the experts at Chase simplify everything by stating that the basic math is 28% or less of your gross monthly income. If the mortgage payment seems higher, do not take the plunge!
2. You do not feel butterflies in your tummy
The sweet stories you hear at housewarming parties that typically sound like a Disney script are not without merit. According to Realtor, some homebuyers actually feel butterflies when they step onto a piece of property. Though it's said that the perfect house does not exist, something, if not everything, will excite you about the home. Be it the spacious yard, a mini garden, the structure, and layout; a strong pull will make you look forward to living there.
According to Investopedia, if you're not feeling it yet, you should consider the visible elements that make the house a good fit for you. Generally, this might include the neighborhood, nearby restaurants and entertainment, and proximity to important places. Who knows, the selling point might be its nearness to places you frequent or distance from specific sites. Permit yourself to feel excited; if you'd rather not, keep searching until you find your best match.
3. The house falls short of everyone's needs
If you're in the market for a new home, you have to consider your preferences, comfort, and welfare, as well as that of everyone who would live with you. Unless, of course, you are purchasing a space just for you. Here are three critical factors to put in place. Firstly, consider your spouse. Since you both will be house hunting, discuss your goals and expectations for a new home. What kind of rooms would you like to set up? What updates would you make? And in the rare instance where just one of the couple goes house hunting, always consider the other person, writes Rocket Mortgage.
Secondly, think about your kids. Consider their comfort and safety if you are expecting, have one child or a few, or intend to bring forth. This includes the house's proximity to their current or new school. According to Opendoor, other considerations are the safeness of the flooring type, the number of bathrooms and bedrooms, and a secure yard to play in, though this could sometimes be a luxury. Ultimately, their security must be at the top of your list. Finally, consider if the structure of your house works well for the elderly, in case you have to bring a relative over for a period.
4. Too many owners in a short time
Another huge red flag you don't want to ignore is if the house has a high ownership rate, but no one stays past a year or two. Such situations should blast your internal alarms and make you question the property. We could bet an arm and leg that, perhaps, the owners discover something about the house or neighborhood only after they have settled in. Do your research and figure out why. If the real estate agent or seller seems sketchy, you could always check public tax records and reach out to the property's previous owners, says PropertyRadar.
According to experts at The Balance, it could be anything from significant construction projects like a major highway or sewage plant to common but avoidable issues like noisy or contentious neighbors, leaks during the rainy season, et cetera. In most cases, you would not encounter these problems until you start living in the home.
5. Inspection waiving or ignoring the results
Finally, the last glaring sign we would like to discuss regards inspection. Nolo says that inspecting a piece of property is one integral element you do not want to skip. And not just a quick look over the house; a proper inspection isn't something you should take lightly. If you suspect, for any reason, that the seller or real estate agent is trying to get you to skip the inspection process, you should withdraw immediately or insist on your buyer's right to have the building assessed.
To do this, Inspect-All Pest Services recommends that apart from your judgment, getting the services of an expert independent inspector and surveyor is critical. They can tell the things you cannot, be it a faulty foundation, the potential for leaks, drafty rooms, roof issues, and more. They pick out the problems the seller should fix before you or anyone else purchases the property. Furthermore, no matter how attached you are to a house, do not dismiss the inspection reports. Trust us when we say that you cannot handle these fixes on your own. Without mincing words: It's a waste of resources and money. If anything, the seller should make the changes, and if they refuse, extend your search for another house!
2022-08-08T14:32:00-07:002022-08-08T14:38:14-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:435820 BEST “HOW-TO” YOUTUBE VIDEOS FOR HOME MAINTENANCEWhether you have just purchased your first home or have owned a home for many years, knowing how to solve household maintenance issues is an on-going learning experience for all homeowners. (Original article courtesy of <a href="https://purgula.com/maintenance/best-how-to-youtube-videos-for-home-maintenance/">Purgula.com</a>)
Click the image below for a full list of YouTube videos!<a href="https://purgula.com/maintenance/best-how-to-youtube-videos-for-home-maintenance/"><img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-07-19_at_8.56.36_AM.png" width="1000" height="551" /></a>2022-07-19T05:55:00-07:002022-08-23T06:11:10-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4331When You Work with Hermes Realty Group...
<img height="16" width="16" alt="??" referrerpolicy="origin-when-cross-origin" src="https://static.xx.fbcdn.net/images/emoji.php/v9/tc/2/16/1f973.png" /> When you're a client of HRG, you become a friend for life!
<a href="https://youtu.be/2XzS_NvciWQ">We love celebrating & giving back </a>to our clients by hosting various events throughout the year including our Dog Adoption Day, Top Golf outings and our Annual Shred-It events, just to name a few. <img height="16" width="16" alt="??" referrerpolicy="origin-when-cross-origin" src="https://static.xx.fbcdn.net/images/emoji.php/v9/t7d/2/16/1f43e.png" /> We had such an amazing weekend at our dog adoption event last week! Multiple dogs were adopted & chipped & we had generous patrons donate dog bowls, food, treats, dog beds, leashes & so much more!! It was a huge success & we're grateful for all who joined us! We look forward to our next dog adoption event in 2023 <img height="16" width="16" alt="??" referrerpolicy="origin-when-cross-origin" src="https://static.xx.fbcdn.net/images/emoji.php/v9/t7d/2/16/1f43e.png" /> <img height="16" width="16" alt="??" referrerpolicy="origin-when-cross-origin" src="https://static.xx.fbcdn.net/images/emoji.php/v9/tfb/2/16/26f3.png" /> Our first Top Golf event was another success and it definitely wont be our last! We'll keep you posted on our next outing... <img height="16" width="16" alt="??" referrerpolicy="origin-when-cross-origin" src="https://static.xx.fbcdn.net/images/emoji.php/v9/tb5/2/16/1f69a.png" /> We've been hosting Shred It events for the last few years, twice/year and we'll continue to bring this service to you as long as y'all keep bringing your 'junk'! Be on the lookout for our August dates! Cheers to YOU...our clients, friends and family!!
Click <a href="https://youtu.be/2XzS_NvciWQ">here</a> to see more!
<img src="https://assets.site-static.com/userfiles/3652/image/61687312_3288082477884088_1611320739883909120_n.jpg" width="1224" height="780" />
2022-07-07T06:54:00-07:002022-11-03T05:27:59-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4317What to Know About Polyaspartic Garage Floor Coating(Original article courtesy of <a href="https://www.familyhandyman.com/article/polyaspartic-garage-floor-coating/">familyhandyman.com</a>)
This floor coating is a durable, versatile option that will make your garage the envy of your neighborhood.
Many homeowners use garage space as an extension of their <a href="https://www.familyhandyman.com/list/reader-projects-indoor-spaces/">indoor living space</a>; the garage is a workshop, laundry room or recreation area. An uncoated concrete floor is an unattractive option if you spend significant time in your garage. Coat the floor and you increase its durability, make it easier to clean and improve the look, as well as a home’s resale value.
Epoxy is an increasingly <a href="https://www.familyhandyman.com/project/garage-flooring-options/">popular floor-coating method</a> for garages nationwide. It’s a DIY option, though a plethora of coating professionals are available for affordable installation. We’ve been asked about polyaspartic floor coating, and whether it’s a better option than the <a href="https://www.familyhandyman.com/project/epoxy-garage-flooring-tips/">ubiquitous epoxy coating</a>. The short answer? Yes.
What is Polyaspartic Garage Floor Coating?
Polyaspartic coatings have been available for about 20 years but are only recently gaining ground in garages. The product is typically used on bridges and piers, or to coat parts of ships or railcars. It’s similar to polyurethane, though a polyaspartic cures faster than both urethanes and epoxies, and it can be applied in a wide range of temperatures.
Poly­aspartics vs. Polyureas Garage Floor Coating
When shopping for a poly­aspartic coating, it can be easy to confuse polyureas and poly­aspartics; they’re related but different.
Chemical differences make polyaspartics more versatile, more durable and easier to apply on your garage floor. Although polyurea coatings are also durable, they have a short cure time. That makes them difficult to install, especially for DIYers.
How Does Polyaspartic Garage Floor Coating Cure?
Polyaspartic coatings cure quicker than epoxy coatings, but slowly enough that you can work with them. By manipulating the mixture of esters, polyaspartics manufacturers have made products with a cure time that’s slow enough for easy application and fast enough to quickly allow floor traffic.
A polyaspartic-coated floor can cure and be ready for foot traffic in two hours and vehicle traffic in 24 hours. In comparison, an epoxy-finish floor needs 12 or more hours of cure time before foot traffic and 72 hours before vehicle traffic.
What Else to Know About Polyaspartic Garage Floor Coating
That’s all good, so is there a catch?
Poly­aspartic finishes do cost about 20 percent more than epoxies. Some companies sell poly­aspartics by the gallon; <a href="https://industrial.sherwin-williams.com/na/us/en/resin-flooring/catalog/product/products-by-industry.15274955/elladur-4850.9751832.html" target="_blank" rel="noopener nofollow">Sherwin-Williams’ Elladur Floor Coating</a> is part of its Industrial product line.
More resistant to UV exposure, poly­aspartic coatings hold color better than epoxy coatings and will not yellow. They also resist marking from hot <a href="https://www.familyhandyman.com/article/car-tire-types/">car tires</a>, making them well-suited to garage use.
With a viscosity closer to water than paint, polyaspartic coatings can be a topcoat over epoxy. Versatile Building Products markets two-part kits through <a href="https://www.garagecoatings.com/" target="_blank" rel="noopener nofollow">GarageCoatings.com</a> that can be poured over a flaked epoxy floor.
2022-07-05T09:29:00-07:002022-07-05T09:33:31-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4297Buyer's Guide to Decking Materials(Original article courtesy of <a href="https://www.familyhandyman.com/article/buyers-guide-to-decking-materials/">familyhandyman.com</a>)
Deck foundations are usually made of wood, but you have choices when it comes to deck boards. Here's a rundown of some of the most popular options.
<a href="https://www.familyhandyman.com/list/building-a-deck-in-des-moines/" rel="noopener noreferrer">Building a deck</a> is one of the most DIY-friendly residential building projects out there, significantly increasing your home’s usable space. Besides offering a place for sitting and sunning, a deck can support an <a href="https://www.familyhandyman.com/article/outdoor-kitchen-what-to-know/" rel="noopener noreferrer">outdoor kitchen</a> and <a href="https://www.familyhandyman.com/article/patio-dining-sets-buying-guide/" rel="noopener noreferrer">dining area</a>, a <a href="https://www.familyhandyman.com/article/about-outdoor-hot-tubs/" rel="noopener noreferrer">hot tub</a> or portable sauna, or a greenhouse.
Although there are plenty of building codes to know and follow when you’re building a deck, there aren’t as many as for a closed structure. That’s because there are no doors or windows, and plumbing and electrical installations are usually minimal.
You could summarize the building process in four steps: setting the posts, building the foundation, installing the decking, and adding the steps and railings.
Choosing the decking board material is a crucial part of the third step, as decking largely determines the appearance and longevity of the structure. Today there are lots of cost-effective and long-lasting options, ranging from wood (the perennial favorite) to synthetic alternatives. Here’s a rundown of your choices.
Types of Decking: How to Choose
<a href="https://www.familyhandyman.com/article/trex-decking-what-you-need-to-know/" rel="noopener noreferrer">Trex</a> changed the game when it introduced composite decking in the mid-1990s. Before that, builders and homeowners overwhelmingly preferred wood. Only certain types of wood are weather-resistant enough for decking, however, and these have become increasingly expensive.
When looking for decking materials, keep these things in mind:
Cost: Decking forms the bulk of a deck, so cost is an important issue — often the main one.
Appearance: People tend to envision wood when they think of decks, so alternative materials are engineered to look like wood, with varying degrees of success.
Longevity: Wood lasts a long time — 20 to 30 years — but many other materials can outlast it.
Sustainability: Builders and homeowners now consider the environmental effects of the materials they use. With decks, that includes impact on forest resources, the amount of <a href="https://www.familyhandyman.com/list/recycled-building-materials-made-from-trash/" rel="noopener noreferrer">recycled materials</a> in the product and whether it can be recycled after use.
Ease of installation: Some decking products require specialized fastening systems.
Decking Material: Redwood/Cedar
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-06-28_at_9.23.03_AM.png" width="900" height="597" />
Redwood and Western red cedar are two naturally rot-resistant wood species, attractive and long-lasting. That’s why they’ve been popular for decades. Redwood is most common in the West, with cedar the popular choice elsewhere.
Pros
Traditional and beautiful: Nothing is more authentic than real wood.
Color flexibility: You can leave it unfinished or stain it.
Workable: The wood can be cut to any length or width you need, then nailed or screwed to the foundation.
Cons
Needs maintenance: Both need periodic washing and possibly refinishing.
Costly: Redwood and cedar are no longer cheap; each can cost as much as $1,100 per 100 square feet.
Can deteriorate: Unfinished redwood and cedar turns gray in the sun and can warp or crack.
Limited sustainability: Forest supplies — especially redwood — are no longer as abundant.
Decking Material: Pressure-Treated Pine
<a href="https://www.familyhandyman.com/list/what-you-might-not-know-about-treated-lumber/" rel="noopener noreferrer">Pressure-treated pine</a> takes advantage of a more abundant wood species. Pressure-treating offers the durability and rot-resistance of redwood and cedar along with fire resistance. The wood can be stained or painted.
Pros
Cost-effective: Pressure-treated wood costs 30 to 40 percent less than redwood or cedar.
Durable: Warranty periods can be as long as 40 years.
Workable: It’s wood, so pressure-treated pine can be cut and fastened with normal woodworking tools.
Cons
Risk of chemical exposure: Cutting pressure-treated wood can expose you to toxic chemicals, and rain can wash chemicals from unsealed wood into the ground.
High maintenance: Pressure-treated wood needs to be sealed, and requires frequent cleaning and resealing to keep it looking good.
Not eco-friendly: It can’t be burned and deteriorates slowly in landfills.
Decking Material: Exotic Hardwoods
Also known as Brazilian walnut, ipé is grown in South America. It’s one of the most attractive and long-lasting decking materials there is. Hardwood alternatives such as black locust and black walnut are also available.
Pros
Durable: Naturally rot-resistant hardwood decking can easily last 30 years, probably much longer.
Attractive: Hardwoods have beautiful natural hues that can be preserved by periodic re-sealing.
Sustainable: Because hardwoods are often intentionally cultivated, they usually have a low environmental impact.
Cons
Expensive: Hardwood decking materials are definitely a premium investment.
Difficult to install: You can’t nail hardwoods. Ipé in particular is so hard that screw holes must be pre-drilled and saw blades frequently replaced.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-06-28_at_9.28.50_AM.png" width="900" height="593" />
Decking Material: Composites
<a href="https://www.familyhandyman.com/article/composite-decking-guide/" rel="noopener noreferrer">Composite decking</a> boards combine wood fibers and synthetic resins. Molded to look like wood, they’re generally easy to maintain.
Pros
Eco-friendly: Typically made from recycled or waste wood.
Low maintenance: Composite decks just need occasional washing. No repainting or re-sealing.
Design flexibility: Available in various colors and styles, composite can be installed with screws, nails or hidden fasteners.
Cons
Absorbent: Although manufacturers have largely corrected this flaw, some composite boards can absorb water and swell or become moldy.
Pricey: Composites have historically been more expensive than wood, but that’s changing as wood prices rise.
Hot and heavy: Composite boards weigh more than wood, and the plastic content can be uncomfortably hot in the sun.
Decking Material: PVC
Manufacturers began making pure <a href="https://www.familyhandyman.com/article/maintenance-free-decking-pvc-vs-composite/" rel="noopener noreferrer">plastic decking</a> boards in the 2000s. Molded and colored to look like wood, some are solid while others are hollow. They’re rot- and mold-resistant.
Pros
Durable: PVC decking won’t rot, warp or otherwise deteriorate, and the color doesn’t fade. Warranty periods exceeding 40 years are common.
Lightweight and low-maintenance: PVC boards never need painting or staining, and they’re lighter than composites or wood.
Cost-effective: Typically costs half as much as wood.
Cons
Artificial looking: PVC is a synthetic material, and its glossy, reflective surface looks it.
Uncomfortable: Gets hot in the summer and cold in the winter.
Not particularly eco-friendly: Typically made from virgin (not recycled) plastic.
Decking Material: Aluminum
Metal decking, particularly aluminum, has been around since the 1940s, and it’s still an option. Contemporary aluminum decking boards are often installed in a system with metal joists. The decking boards are screwed in with <a href="https://www.familyhandyman.com/list/deck-fastener-youve-got-options/" rel="noopener noreferrer">hidden fasteners</a>.
Pros
Durable and lightweight: Aluminum is rust and corrosion resistant and one of the lightest decking materials available.
Elegant: Aluminum decks are sleek and attractive and stay that way for years without a finish, although they can be painted.
Dissipates heat: Unlike vinyl and composite decking, aluminum decking does not overheat in full sun.
Cons
Noisy: Heavy footsteps or large raindrops makes aluminum “ping.”
Slippery: Even molded with a slip-resistant surface, aluminum tends to be more slippery than other materials in wet and icy conditions.
Not as sustainable: Aluminum mining damages soil, waterways and forests, but used aluminum decking is recyclable.
2022-06-28T06:23:00-07:002022-06-28T06:29:50-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4253How to Make a Home Inventory for Insurance Claims(Original article courtesy of <a href="https://www.nerdwallet.com/article/insurance/home-inventory-insurance">Nerdwallet.com</a>)
<img src="https://assets.site-static.com/userfiles/3652/image/GettyImages-1090832694-2400x1440.jpg" width="2400" height="1440" />
Imagine that all your belongings are destroyed in a house fire. Thankfully, you have insurance. But to file a claim and get reimbursed, you have to make a list of everything you lost. How many of your belongings would you be able to remember?
I tried it on a smaller scale, listing everything I could think of in my home office from memory. I came up with 51 items. Not bad, I thought — but once I returned to the room, I discovered another 25 things that I’d missed.
“All the stuff that we collect as people over the years … adds up to hundreds of thousands of dollars oftentimes. And to remember all those little things is nearly impossible,” says Steve Severaid, president of The Greenspan Co./Adjusters International, a public adjusting firm serving California, Nevada and Arizona. Public insurance adjusters help policyholders negotiate fair insurance claims.
To ensure your claim payout doesn’t fall short, consider creating a survey of your belongings, often called a home inventory.
The benefits of a home inventory
In the aftermath of a disaster, you’ll likely be grieving the loss of your home, looking for a temporary place to live and struggling to figure out what’s next. Aside from helping you get full reimbursement for your possessions, having a home inventory can lighten your burden during a stressful time.
“Is it hard to [make an inventory] now? Yeah,” says Katherine Navarro Wong, a State Farm agency owner in Santa Rosa, California. “But after you’ve lost everything, it’s really hard.”
Because you’ve already done most of the work, having a home inventory in place makes it easier and quicker to file your claim, Wong says. “You’ll get your money faster.”
Putting together your inventory can also help you make sure you have enough insurance coverage. You might not realize just how much your stuff is worth until you start documenting it all, Wong says. Then, if you discover that your personal<a class="_2GMChG eIBHSv _23_Bjp _2zmeFA" href="https://www.nerdwallet.com/article/insurance/personal-property-insurance" data-currency="Link" target="_self"> property coverage</a> isn’t enough, you’ll have time to increase your limit before disaster strikes.
How to create a home inventory
Listing every one of your possessions may seem like a daunting task, but there are ways to make it more manageable.
“One of the … fastest, simplest ways to do this is to take 15 or 20 minutes with a video camera or your iPhone,” Severaid says. He recommends walking through each room and narrating as you go, zooming in on the labels of high-value items. Don’t forget to pull out dresser drawers and open cabinet doors to show what’s inside.
Aside from being quicker to produce than a written record, a video also offers a way for your insurance company to see the quality of your items, Severaid says.
Taking photos instead of video is another option. For example, many home inventory apps allow you to upload images and information about each item, such as the serial number or date of purchase.
My own favorite is the Encircle app, which lets you quickly canvass each room with a series of photos and then add details about specific items. It’s available for iOS and Android.
You can also create a spreadsheet, either from scratch or by downloading a template off the web. For example, United Policyholders, a consumer advocacy group, offers a <a class="_2GMChG eIBHSv _23_Bjp _2zmeFA" href="https://uphelp.org/buying-tips/how-to-create-a-home-inventory/" data-currency="Link" rel="nofollow noopener noreferrer" target="_blank">comprehensive inventory spreadsheet</a> with hundreds of suggested items divided by room.
If trying to count every kitchen towel makes you want to give up altogether, “focus on the more valuable items,” Wong says. This might include jewelry, artwork, musical instruments and collections, plus furniture and electronics. The items in a toolshed can also add up fast, she notes.
Whatever method you choose, make sure your home inventory is stored somewhere outside of your house, such as in the cloud or a safe deposit box at the bank. Having an inventory won’t do you any good if the computer it’s on burns up in a fire.
Your insurance agent may even be willing to keep a copy of your inventory, Wong says.
Severaid recommends updating your inventory every year or two, or sooner if you’ve made major purchases or redecorated your home.
Making a claim without an inventory
If disaster strikes before you’ve gotten around to creating an inventory, you can try the following to get the most from your home insurance claim:
Ask friends and family to share photos taken at your home, Severaid suggests. “The photographs are never meant to document the house, but it’s always in the background,” he says. “That’s a great way to get detail when you weren’t prepared.”
Check your phone (if it survived the disaster) and social media accounts for photos of the interior of your home.
Look for a list of common household items, such as the United Policyholders inventory above, to help jog your memory.
Check your order history at the online stores where you shop most often. Your email account may also have receipts for past purchases.
2022-06-21T08:54:00-07:002022-06-21T08:57:46-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4252Home Price Deceleration Doesn’t Mean Home Price Depreciation(original article courtesy of <a href="https://www.keepingcurrentmatters.com/2022/06/16/home-price-deceleration-doesnt-mean-home-price-depreciation/">Keeping Current Matters</a>) Experts in the real estate industry use a number of terms when they talk about what’s happening with home prices. And some of those words sound a bit similar but mean very different things. To help clarify what’s happening with <a href="https://www.keepingcurrentmatters.com/2022/05/24/sellers-have-an-opportunity-with-todays-home-prices/">home prices</a> and where experts say they’re going, here’s a look at a few terms you may hear:
Appreciation is when home prices increase.
Depreciation is when home prices decrease.
Deceleration is when home prices continue to appreciate, but at a slower pace.
Where Home Prices Have Been in Recent Years
For starters, you’ve probably heard home prices have skyrocketed over the past two years, but homes were actually appreciating long before that. You might be surprised to learn that home prices have climbed for <a href="https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qpo">122</a> consecutive months (see graph below):
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-06-21_at_11.41.28_AM.png" width="1254" height="944" />
As the graph shows, houses have gained value consistently over the past 10 consecutive years. But since 2020, the increase has been <a href="https://www.fhfa.gov/Media/PublicAffairs/Pages/US-House-Prices-Rise-18pt7-Percent-over-the-Last-Year-Up-4pt6-Percent-from-the-Fourth-Quarter.aspx">more dramatic</a> as home price growth accelerated.
So why did home prices climb so much? It’s because there were more buyers than there were homes for sale. That imbalance put upward pressure on home prices because demand was high and supply was low.
Where Experts Say Home Prices Are Going
While this is helpful context, if you’re a buyer or seller in today’s market, you probably want to know what’s going to happen with home prices moving forward. Will they continue that same growth path or will home prices fall?
Experts are <a href="https://www.keepingcurrentmatters.com/2022/05/31/what-does-the-rest-of-the-year-hold-for-the-housing-market/">forecasting</a> ongoing appreciation, just at a decelerated pace. In other words, prices will keep climbing, just not as fast as they have been. The graph below shows home price forecasts from seven industry leaders. None are calling for prices to fall (see graph below):
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-06-21_at_11.43.12_AM.png" width="1256" height="932" />
Mark Fleming, Chief Economist at First American, <a href="https://blog.firstam.com/economics/the-housing-market-is-slowing-by-design-but-dont-expect-a-bust">identifies</a> a key reason why home prices won’t depreciate or drop:
“In today’s housing market, demand for homes continues to outpace supply, which is keeping the pressure on house prices, so don’t expect house prices to decline.”
And although <a href="https://www.keepingcurrentmatters.com/2022/05/11/are-there-more-homes-coming-to-the-market/">housing supply</a> is starting to tick up, it’s not enough to make home prices decline because there’s still a gap between the number of homes available for sale and the volume of buyers looking to make a purchase.
Terry Loebs, Founder of the research firm Pulsenomics, notes that most real estate experts and economists anticipate home prices will continue rising. As he <a href="https://www.forbes.com/sites/brendarichardson/2022/06/07/rising-rates-and-buyer-urgency-keep-home-price-gains-above-20-in-april/?sh=c5446d229ec7">puts it</a>:
“With home values at record-high levels and a vast majority of experts projecting additional price increases this year and beyond, home prices and expectations remain buoyant.”
Bottom Line
Experts forecast price deceleration, not depreciation. That means home prices will continue to rise, just at a slower pace. Connect with a trusted real estate professional to get a full picture of what’s happening with home prices in your local market and to discuss your buying and selling goals.2022-06-21T08:38:00-07:002022-06-21T08:44:15-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:420413 Signs You Should Walk Away After a Home InspectionAre these make or break deals for you?
(original article courtesy of <a href="https://www.hunker.com/13772386/signs-you-should-walk-away-after-a-home-inspection" target="_blank">Hunker.com</a>) In today's uber-competitive real estate market, many people are opting to forgo home inspections when they make their purchase offers — all in the hope that their offer will look more appealing than some other offers. However, most real estate pros would advise against taking this step since home inspections can reveal valuable information about the state of the property.
Of course, not every item uncovered during a home inspection spells disaster. Some low impact issues home inspectors may identify are solvable with a simple fix. For example, a burned-out light bulb in an oven's vent hood could make the list. However, sometimes home inspectors uncover major issues with the foundation, HVAC unit, and even <a href="https://www.hunker.com/13767463/how-to-get-rid-of-termites">termite damage</a> that may send potential homeowners (and their offer to buy the property) running for the hills. If your home inspection uncovers any of these 13 things, you should run (not walk) away from buying your dream home.
1. Termites
News that an inspection has uncovered the presence of wood-destroying pests can often send chills down a buyer's spine. That happens with good reason, according to Ron LaPorta Jr., franchise owner of HouseMaster in Downingtown, Pennsylvania, a Neighborly company. "Observing termite damage in one area and visible evidence the termites have traveled to other areas of the home (hidden from view) can bring on significant expenses," he says. "The only way to truly know the extent of damage would be to conduct an invasive evaluation with finished materials removed, which is beyond the scope of a home inspection."
If the termite damage has been going on for many years, LaPorta says you could be looking at significant remediation expenses.
2. Foundation Issues
The foundation of your home is the base on which the rest of your house stands. It's natural for that base to shift slightly or change over time, but any major changes to the property's foundation should be a major red flag for potential homebuyers. This includes cracks, damage, and water infiltration.
3. Electrical Issues
There are a range of electrical issues that might prompt an inspector to sound the alarm. Faulty systems, previous signs of fire damage, or even outdated systems can spell big trouble down the road. Not only are electrical problems expensive to fix (if your home needs rewiring, for example, you could be looking at thousands of dollars worth of work) but they can potentially be deadly.
4. Illegal Upgrades
One of the perks of being a homeowner is getting to tailor your space to meet your needs. It's not unusual to look at a property that has had some upgrades or additions over the years. However, if your inspector has noted that the current state of your home doesn't exactly match the existing county records, there's a good chance that some of the changes occurred without the approval of the municipality. While that in and of itself doesn't spell disaster, it could be a sign that work might not be up to code. As with many of the items on this list, that could entail an unknown financial commitment on your part, which might be a can of worms you're not ready to open.
5. Water Damage
Unfortunately, water damage is a common issue uncovered during home inspections. While it's not always a major issue (like a <a href="https://www.hunker.com/13764759/how-does-a-flood-damage-a-house">sign of flooding</a>), it can be a sign that there are some other problems at play.
"I was recently working on a two-family home in Union City which we knew needed some work; however, the home inspection revealed some serious defects," says <a href="https://www.realtor.com/realestateagents/567fd704bb954c0100688a1c" target="_blank" rel="nofollow">Rachel DiSalvo</a>, broker associate with Keller Williams Park Views in Rutherford, New Jersey. DiSalvo says that they discovered that water was entering the home from three separate points on the property. While two of the issues seemed solvable with a simple fix, the third ended up being a deal breaker. "We discovered half of the home was left unsided and exposed to the elements, allowing water in and heat to escape," she says, adding that the only access point to this part of the house would be through the neighbor's backyard.
6. Sewer Problems
Just like electrical issues can become pricey down the line, sewer problems can also cost a boatload to repair. They are especially common in older homes where the sewer lines may have become compromised or corroded over decades of use or in areas where there are a lot of large trees and root systems might have infiltrated the line. While issues with a sewer system are almost always repairable, they are a huge and laborious undertaking that can often get messy (and a bit stinky).
7. Issues With the Roof
Most lenders will not provide financing for homes with roofing issues. This is because a damaged roof can lead to even more issues if it's not taken care of quickly. Now, not every issue an inspector notes with a roof should raise a red flag; however, there are some that could come with a hefty price tag. If your inspector notes that the roof is nearing the end of its physical life (usually defined by needing replacement within two years of inspection), you may want to reconsider just how much your dream home is actually worth to you.
Additionally, if the inspector points out damage or concerns that extend beyond the fact that your roof is nearing the end of its usefulness, you should be asking what other problems are lurking under the shingles. A roof leak can cause water damage, mold, and even structural problems if it has gone on long enough.
8. Heating, Ventilation, and Air Conditioning (HVAC) Troubles
Anyone who has ever had to replace a faulty HVAC unit knows just how expensive they can be. Not only are the units themselves costly but all the parts that go along with them (like the ductwork) can really add up. If an inspection uncovers a major issue with the HVAC system, you could be looking at thousands of dollars in repairs.
9. Red Flags
Not all issues your inspection uncovers will be signs of major damage. In fact, a series of red flags could be enough to give you cold feet about buying the home. Poor maintenance, shoddy repairs, and even bad smells can all be major red flags that there may be pricey problems hiding behind the otherwise OK facade of the home.
10. Major Damage
Any home that will require major repairs right out of the gate (or even before closing will be able to take place) should give you pause. You'll want to ask yourself whether you really want to invest money into your home from the start or if you'd be more comfortable finding a home that will allow you to unpack and unwind a bit after your big move instead of having to get right to work.
This is especially true for properties that are uninhabitable without repairs or upgrades. You won't be able to rest (literally) until you've brought the property up to code and made it safe for habitation.
11. Mold
Like some other issues on this list, mold in and of itself isn't a deal breaker. In fact, many homes in perfect shape have detectable traces of mold. However, if your inspection reveals significant mold, mold damage, or even dangerous types of mold (like black mold, which is notoriously hazardous to humans and hard to eliminate), you may want to lace up those running shoes and make a break for it.
12. Anything That Jeopardizes Health and Safety
Home inspectors are not only there to make sure that you're going into your real estate transaction with your eyes open but also to ensure that you'll be healthy and safe living in your new home. High levels of radon, noxious gases, well-water contamination, and other issues can all be too costly to fix right away and too hazardous to live with in the interim.
13. Cost Concerns
Real talk: Buying a home is one of the largest purchases you're likely ever going to make. You should feel confident going into this transaction. If there is anything that has been flagged by your home inspector that causes you concern or that feels like too big of a task for you to tackle, you should feel empowered to walk away from the deal.
2022-05-24T09:46:00-07:002022-05-24T09:52:25-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4202If You See a Green Porch Light, This Is What It Means(original article courtesy of <a href="https://www.rd.com/article/green-porch-light/" target="_blank">rd.com</a>) There are ways to support certain issues without outright telling everyone we meet. People use teal pumpkins during Halloween to show awareness of children’s food allergies and <a href="https://www.rd.com/article/blue-halloween-bucket/">blue pumpkin buckets</a> to spread awareness for autism. It’s a great way to spark conversations about issues that deserve the spotlight without seeming in your face.
So why do some people use green porch lights? This one doesn’t have to do with <a href="https://www.rd.com/article/what-is-halloween/">Halloween</a> or <a href="https://www.rd.com/article/christmas-on-the-25th/">Christmas</a>, but it is related to another holiday.
What does a green porch light mean?
It started in 2013 with a campaign led by Walmart, called the “Greenlight a Vet Campaign.” This campaign worked to guarantee jobs for honorably discharged U.S. veterans after they returned home from service. In addition, Walmart also encouraged members of their communities to change their porch lights to green in order to show appreciation for veterans across the nation.
The campaign described the color green as renewal and hope. With all of these positive ideas in mind, Walmart hoped to start a new conversation about U.S. veterans as valued members of every community. You’ll still see these green lights around November 11, which is Veterans Day.
Occasionally, some will also use green porch lights to celebrate St. Patrick’s Day.
What’s the best light for my porch?
When choosing outdoor lights, like a green light for your front porch, look carefully at the number of lumens. The more lumens, the brighter the bulb. This 229-lumen bulb has a softer light and should generally work well for your porch, but if you don’t have many lights outside, you may need to have your single light do the work of many. In this case, look for a light like this 720-lumen bulb.2022-05-24T09:31:00-07:002022-05-24T09:34:24-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:4121The 10 Most Popular Decks and Patios So Far in 2022(Original article courtesy of <a href="https://www.houzz.com/magazine/the-10-most-popular-decks-and-patios-so-far-in-2022-stsetivw-vs~159009629?utm_source=Houzz&utm_campaign=u18012&utm_medium=email&utm_content=gallery1_1&newsletterId=18012">houzz.com</a>) See the furniture, fire features and other details that made these among the most-saved outdoor photos this year.
With spring upon us, it’s a good time to focus on updating outdoor areas to fully embrace the warmer months ahead. And if you’re looking for inspiration, consider this countdown of the most-saved deck and patio photos recently uploaded to Houzz. You’ll find plenty of ideas for shade structures, fire features, comfortable lounge areas and more.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-04-26_at_8.46.50_AM.png" width="1214" height="800" />
10. Coastal Retreat<br /><br />This well-appointed deck, designed by architecture firm <a target="_blank" href="https://www.houzz.com/hsc/aetrk/k=HBkcFQYVGhbC8NyjDBgIMjc1Nzg3NjQoJDc5NzdkMjMyLTM0OWEtNDY1ZS1iMDQ4LTJjYWQxOGNiZDEzZhIYDjcyLjE5OS4xMDQuMTM4GBkvVVMvQ0EvODI1L0VsIENham9uLzkyMDIxGTgHMTAwMDAwMAcxMDAwMDA1AjI4FQBoAzEwMVgHMTk1MzY3MxUEFQwVAjhBaHR0cHM6Ly93d3cuaG91enouY29tL3Byby9zazdkZXNpZ25zdHVkaW9zL3NrNy1kZXNpZ24tc3R1ZGlvcy1pbmMIYD1jMi13ZWItbWFpbi0ycGtncmVsZWFzZTIwMjIwMzIzMTIxNDExZDRlZDUxYS01ZmJkN2M0Njk1LTdoaHp0GCQwYzJlOGJiOC0wMjY3LTQ5NzEtYjUwYS1hMjY3MTcxMTI4ZDRlxuAJYgAAAA">sk7 Design Studios</a> as part of a complete remodel of the homeowner’s childhood home, takes advantage of its sunny coastal locale in Carlsbad, California. Cushy furniture faces a fireplace and TV beneath a white pergola. A steel cable railing preserves the ocean views. <br /><br />Board-and-batten paneling behind the TV and light brick details elevate the space and tie in with the home’s modern farmhouse feel.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-04-26_at_8.53.38_AM.png" width="1228" height="812" />
9. Clean-Lined Contemporary <br /><br />For this covered patio in Austin, Texas, <a target="_blank" href="https://www.houzz.com/hsc/aetrk/k=HBkcFQYVGhbC8NyjDBgJMTM3Njg4NzQ0KCQ3OTc3ZDIzMi0zNDlhLTQ2NWUtYjA0OC0yY2FkMThjYmQxM2YSGA43Mi4xOTkuMTA0LjEzOBgZL1VTL0NBLzgyNS9FbCBDYWpvbi85MjAyMRk4BzEwMDAwMDAHMTAwMDAwNQIyOBUAaAMxMDFYBzMzMzA3OTcVBBUMFQI4Qmh0dHBzOi8vd3d3LmhvdXp6LmNvbS9wcm8vbWVyZWRpdGgtb3dlbjU5NC9tZXJlZGl0aC1vd2VuLWludGVyaW9ycwhgPWMyLXdlYi1tYWluLTJwa2dyZWxlYXNlMjAyMjAzMjMxMjE0MTFkNGVkNTFhLTVmYmQ3YzQ2OTUtN2hoenQYJDBjMmU4YmI4LTAyNjctNDk3MS1iNTBhLWEyNjcxNzExMjhkNGXG4AliAAAA">Meredith Owen Interiors</a> brought the comforts of home outside with an outdoor TV, fireplace and comfy lounge furniture. Black accents and a mix of materials and textures bring interest to the clean-lined, uncluttered space.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-04-26_at_8.54.15_AM.png" width="1220" height="814" />
8. Concrete Curves<br /><br />Visitors to this Santa Cruz, California, backyard by <a target="_blank" href="https://www.houzz.com/hsc/aetrk/k=HBkcFQYVGhbC8NyjDBgKMTEyODA3MzIxNygkNzk3N2QyMzItMzQ5YS00NjVlLWIwNDgtMmNhZDE4Y2JkMTNmEhgONzIuMTk5LjEwNC4xMzgYGS9VUy9DQS84MjUvRWwgQ2Fqb24vOTIwMjEZOAcxMDAwMDAwBzEwMDAwMDUCMjgVAGgDMTAxWAgzMzE2MTQ5MRUEFQwVAjg8aHR0cHM6Ly93d3cuaG91enouY29tL3Byby9rbmRsYW5kc2NhcGluZy9rLWFuZC1kLWxhbmRzY2FwaW5nCGA9YzItd2ViLW1haW4tMnBrZ3JlbGVhc2UyMDIyMDMyMzEyMTQxMWQ0ZWQ1MWEtNWZiZDdjNDY5NS03aGh6dBgkMGMyZThiYjgtMDI2Ny00OTcxLWI1MGEtYTI2NzE3MTEyOGQ0ZcbgCWIAAAA">K & D Landscaping </a>have many seating options, but it’s this curved concrete bench that really draws attention. The poured-in-place seat surrounds a concrete fire pit, which has a ledge to warm one’s feet or set down a drink. <br /><br />Potted low-water plants frame the bench, using the steps of the TimberTech deck to add height. The smooth finished concrete pavers sit nicely on artificial turf and complete the circle created by the bench.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-04-26_at_8.54.58_AM.png" width="1220" height="808" />
7. Southwest Sophistication<br /><br />Here’s another example of an indoor-outdoor space extending the feeling of the interior into the open air. Stacked stone, rich earth tones and colorful wall art lend contemporary Southwest style to this Santa Fe, New Mexico, space by <a target="_blank" href="https://www.houzz.com/hsc/aetrk/k=HBkcFQYVGhbC8NyjDBgKMjA1Mjk3NzEzNSgkNzk3N2QyMzItMzQ5YS00NjVlLWIwNDgtMmNhZDE4Y2JkMTNmEhgONzIuMTk5LjEwNC4xMzgYGS9VUy9DQS84MjUvRWwgQ2Fqb24vOTIwMjEZOAcxMDAwMDAwBzEwMDAwMDUCMjgVAGgDMTAxWAczODEwMTI3FQQVDBUCOEBodHRwczovL3d3dy5ob3V6ei5jb20vcHJvL2Rlc2lnbmRpcmVjdGl2ZXMvZGVzaWduLWRpcmVjdGl2ZXMtbGxjCGA9YzItd2ViLW1haW4tMnBrZ3JlbGVhc2UyMDIyMDMyMzEyMTQxMWQ0ZWQ1MWEtNWZiZDdjNDY5NS03aGh6dBgkMGMyZThiYjgtMDI2Ny00OTcxLWI1MGEtYTI2NzE3MTEyOGQ0ZcbgCWIAAAA">Design Directives</a>. The outdoor living room faces a dramatic fire feature and TV and opens to a spectacular landscape view.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-04-26_at_8.55.59_AM.png" width="1204" height="918" />
6. Beach Beauty<br /><br /><a target="_blank" href="https://www.houzz.com/hsc/aetrk/k=HBkcFQYVGhbC8NyjDBgJNjYxMzQxMzI2KCQ3OTc3ZDIzMi0zNDlhLTQ2NWUtYjA0OC0yY2FkMThjYmQxM2YSGA43Mi4xOTkuMTA0LjEzOBgZL1VTL0NBLzgyNS9FbCBDYWpvbi85MjAyMRk4BzEwMDAwMDAHMTAwMDAwNQIyOBUAaAMxMDFYBzk0NzA5MzgVBBUMFQI4O2h0dHBzOi8vd3d3LmhvdXp6LmNvbS9wcm8vZGFyY2loZXRoZXIvZGFyY2ktaGV0aGVyLW5ldy15b3JrCGA9YzItd2ViLW1haW4tMnBrZ3JlbGVhc2UyMDIyMDMyMzEyMTQxMWQ0ZWQ1MWEtNWZiZDdjNDY5NS03aGh6dBgkMGMyZThiYjgtMDI2Ny00OTcxLWI1MGEtYTI2NzE3MTEyOGQ0ZcbgCWIAAAA">Darci Hether New York</a> designed this inviting porch in Westhampton Beach, New York, with family get-togethers in mind. Plenty of seating options means guests can spread out and relax. Outdoor cushions and throws boost the comfort level. The color palette of blue, gray and cream (with a punch of yellow from a beach cruiser) reinforces the coastal location while also tying in with interior design elements.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-04-26_at_8.58.41_AM.png" width="720" height="1086" />
5. California Cool<br /><br />A clean-lined fireplace anchors this outdoor Los Angeles lounge by <a target="_blank" href="https://www.houzz.com/pro/puresaltinteriors">Pure Salt Interiors</a>. The warm cream finish coordinates with creamy outdoor cushions and joins rich wood furniture and warm tile paving to create an elegantly casual California style. String lights overhead add a cool vibe when the sun goes down.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-04-26_at_9.00.14_AM.png" width="1222" height="806" />
4. Smooth Transition<br /><br />Sliding glass doors open up completely to connect this shaded patio in Orange County, California, to an open-plan dining room and kitchen. The patio, from <a target="_blank" href="https://www.houzz.com/hsc/aetrk/k=HBkcFQYVGha4m92jDBgJMzMxNDM1MjQzKCQ3OTc3ZDIzMi0zNDlhLTQ2NWUtYjA0OC0yY2FkMThjYmQxM2YSGA43Mi4xOTkuMTA0LjEzOBgZL1VTL0NBLzgyNS9FbCBDYWpvbi85MjAyMRk4BzEwMDAwMDAHMTAwMDAwNQIyOBUAaAMxMDFYBzE4MDI1MzYVBBUMFQI4RWh0dHBzOi8vd3d3LmhvdXp6LmNvbS9wcm8vcGF0dGVyc29uY3VzdG9taG9tZXMvcGF0dGVyc29uLWN1c3RvbS1ob21lcwhgPWMyLXdlYi1tYWluLTJwa2dyZWxlYXNlMjAyMjAzMjMxMjE0MTFkNGVkNTFhLTVmYmQ3YzQ2OTUteGd2Nm0YJGI5MjI3OGUxLWMyZGUtNDJkZS1iMmM4LWM4YmU0ZmQ5N2YyMWXG4AliAAAA">Patterson Custom Homes</a>, feels like an extension of the indoors, with the colors and furnishings complementing the interior French Country-inspired decor and design.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-04-26_at_9.00.53_AM.png" width="1216" height="792" />
3. Statement Piece<br /><br />Wood envelops this covered San Francisco-area lounge by <a target="_blank" href="https://www.houzz.com/hsc/aetrk/k=HBkcFQYVGha4m92jDBgKMTU1MzkxMTg3MSgkNzk3N2QyMzItMzQ5YS00NjVlLWIwNDgtMmNhZDE4Y2JkMTNmEhgONzIuMTk5LjEwNC4xMzgYGS9VUy9DQS84MjUvRWwgQ2Fqb24vOTIwMjEZOAcxMDAwMDAwBzEwMDAwMDUCMjgVAGgDMTAxWAY5MjkyNDkVBBUMFQI4PGh0dHBzOi8vd3d3LmhvdXp6LmNvbS9wcm8vY2dtaWxsZXIvZW52aXNpb24tbGFuZHNjYXBlLXN0dWRpbwhgPWMyLXdlYi1tYWluLTJwa2dyZWxlYXNlMjAyMjAzMjMxMjE0MTFkNGVkNTFhLTVmYmQ3YzQ2OTUteGd2Nm0YJGI5MjI3OGUxLWMyZGUtNDJkZS1iMmM4LWM4YmU0ZmQ5N2YyMWXG4AliAAAA">Envision Landscape Studio</a> — from the decking to the wall paneling to the ceiling — and creates the feeling of a cozy outdoor room. A gray sectional sofa anchors the space, surrounded on three sides by lush garden views. <br /><br />As with many of the other projects on this top 10 list, the yard also shows off design details and features you could expect to see indoors, including the statement pendant lamp, live-edge wood coffee table and built-in TV and fireplace combo.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-04-26_at_9.01.22_AM.png" width="724" height="932" />
2. Backyard Bar<br /><br />This backyard pool house, located in another area of the Orange County, California, outdoor space featured above, has sliding windows that connect a bar — and drinks and snacks station — to the surrounding deck and pool.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-04-26_at_9.01.48_AM.png" width="724" height="896" />
1. Indoor-Outdoor Flow<br /><br />In Austin, Texas, this modern farmhouse by <a target="_blank" href="https://www.houzz.com/pro/youngerhomes/younger-homes">Younger Homes</a>features an entertaining-friendly pass-through window that connects the kitchen to the backyard deck. A row of black stools tuck under a countertop, allowing family members and guests to pull up a seat and receive drinks and food right from the kitchen — or pass dirty dishes back inside. It also lets the cook in the kitchen feel connected with the party outside.
2022-04-26T05:45:00-07:002022-04-26T06:02:12-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:40177 Things All Homeowners Should Know(article courtesy of <a href="https://www.bobvila.com/articles/setback-requirements/">www.bobvila.com</a>)
Before building a new shed or planning an extension for the home, it’s importantto understand setbacks and how they may impact your plans.
Despite owning the property where you are building, there are many rules and regulations that affect the location, size, height, and even the shape of any structure or building added to the property. One of these restrictions is known as a setback or setback requirement, which gives the town or municipality the ability to dictate the distance from the property line that a home can be built.
These requirements also impact the placement of any accessory structures, like a shed, detached garage, or workshop. However, the exact property setback can depend on the shape of the building, the shape of the lot, the type of structure, and several other factors that are detailed below.
1. Setback requirements influence the development of neighborhoods.
While the word ‘setback’ generally makes people think about an event that has halted progress towards a goal, the term is used differently when referring to properties. Instead, a setback or setback requirement for a property refers to the distance that the house or structure must be from the front, sides, and back of the <a href="https://www.bobvila.com/articles/how-to-find-property-lines/" target="_blank" rel="noopener noreferrer">property line</a>.
This building restriction is intended to help ensure home security, privacy, a uniform appearance, and environmental protection, though the placement also allows public utilities to access plumbing, gas, electrical, or internet lines that may be running through the yard. However, the setback for residential buildings is often very different for commercial, industrial, or institutional structures, depending on the zoning laws in the area.
2. Setback requirements for main buildings are different from setbacks for detached accessory structures.
The setback requirements that are in place for the main house or an attached garage may be different than the restrictions imposed on <a href="https://www.bobvila.com/articles/accessory-dwelling-unit/" target="_blank" rel="noopener noreferrer">accessory structures</a>, like a detached garage, shed, or workshop. While the exact setback line differs from property to property and even from town to town, these restrictions help to protect your property and your neighbors’ properties from potential problems, like an oversize building that encroaches on the property line or exceeds a reasonable height for the neighborhood.
However, accessory structures are rarely built to the same size as the main home on the property, so they can fall under a different setback from the property line because there is little concern that a <a href="https://www.bobvila.com/articles/how-to-build-a-shed/" target="_blank" rel="noopener noreferrer">utility shed</a> will be built large enough to completely prevent direct sunlight from reaching the neighbor’s windows or cause damage to an existing ecosystem. Always check the local regulations with the municipality or town permit office to be certain.
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-03-17_at_12.05.21_PM.png" width="1256" height="832" />
3. Special rules may apply when measuring setbacks for irregularly shaped lots.
Measuring the front, back, and side yard setback requirements isn’t difficult with a rectangular- or square-shaped property. Simply measure a perpendicular line from the edge of the property to the border of the setback area. Repeat this process on each side of the property to find the exact area where you can build. However, not all properties have neat, rectangular or square shapes.
Irregularly shaped lots need to be measured differently, but the methods for establishing the setback requirements for an irregularly shaped property can vary from town to town, so it’s important to verify the exact information with the <a href="https://www.bobvila.com/articles/357-first-step-get-a-permit/" target="_blank" rel="noopener noreferrer">permit office</a>. For instance, the rear setback line for these properties can be based on the average lot depth, while the front yard can have a rounded or irregularly shaped setback line that matches the shape of the property line, but this isn’t a consistent method for all towns and municipalities.
4. Structure height also factors into setback requirements.
One of the main reasons for imposing specific setback requirements on a lot is to help prevent the disruption of natural lighting, clear ventilation, and increase sound insulation. By limiting the size of the building on the property, the town or municipality can ensure that neighboring buildings have adequate access to sunlight, fresh air, and a relatively private place to live, instead of always having to <a href="https://www.bobvila.com/slideshow/12-things-you-don-t-realize-are-annoying-your-neighbors-52007" target="_blank" rel="noopener noreferrer">overhear the neighbors fighting</a>.
5. Some properties may be eligible for setback variances.
Setbacks are not set in stone, so if there is an outstanding situation, like a river, pond, or other obstruction that may impact your ability to use the property in a similar way as your neighbors, it’s possible to apply for a setback variance.
A variance must be approved by the local government zoning board and is typically given if the condition that is negatively affecting your ability to build is generally unique to your property. However, if the majority of the properties in the neighborhood share a similar issue, then it’s likely that the government zoning board will not approve a variance.
6. Within reason, most municipalities will allow attached building features to extend outside of setback requirements.
The laws and regulations around setbacks are intended to benefit the community as a whole, so while they can be strict about certain things, like the height of a building or the placement of a home, there are some features that may be allowed, despite falling outside of the setback requirements.
Fire escapes, chimneys, balconies, decks, a front residential fence, porch, or backyard fence are all building features that most municipalities or towns will allow, within reason. Keep in mind that if the addition negatively impacts the neighborhood then you may be forced to remove it, so take the time to ensure that the plan is sound before spending the time and money to build a new balcony, porch, or fence.
7. If setback requirements aren’t met, homeowners can be forced to make expensive alterations to structures on their property.
If property setback requirements are not followed, it can cause significant problems. There could be the forced removal of the building or an expensive alteration to the structure to ensure that it complies with the restrictions imposed by the setback requirements. In some cases, homeowners can apply for setback variances in order to obtain permission to work outside of the property setback requirements. However, this is not a guarantee.
It’s best to contact the permit office to discuss your potential plans and get a permit for the work to show that the structure is being built according to local laws and regulations. Without a permit, there is the chance that the project may be interrupted or that the local government will force you to make alterations to the structure.
2022-03-17T08:39:00-07:002022-03-17T09:09:37-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:390012 Garage Storage Ideas (Original article courtesy of<a href="https://food52.com/blog/27076-garage-storage-and-organization-ideas" target="_blank"> food52.com</a>)
I like to think I’m a moderately organized person, but let me tell you—my garage is a mess. With a blizzard bearing down on us last week, my partner and I spent a full hour cleaning up just so we could fit our two cars into their respective bays. What was in there, you ask? Mostly human-size stacks of cardboard boxes (in my defense, my work in product-testing yields a lot of boxes), miscellaneous yard tools that don’t have a designated home, and piles of scrap wood from our recent window replacement project.
It’s easy to overlook the organization of garages and workshops, but I couldn’t help thinking how much easier life would be if everything was a bit tidier. So, I’ve decided to make organizing the garage my late winter/early spring project. Naturally, I turned to Pinterest for inspiration. Here are some of the best storage ideas I found that are going to make my life—and yours—so much easier.
1. An Upcycled Tool Organizer
One of the biggest hurdles I have to tackle is figuring out how to organize all <a href="https://food52.com/blog/26155-best-gardening-tools">our garden tools</a>—we have so many shovels, rakes, hoes, brooms, etc. I was initially looking at <a href="https://amzn.to/34vcQkO" target="_blank">wall-mounted tool hangers</a>, but they’re pretty pricey and I much prefer the idea of upcycling materials we already have. This tool rack is made from PVC pipe and spare wood, and I like that you can space the sections as far away as needed to comfortably fit your tools.
2. A Special Rack For Spray Cans
We have a miscellaneous corner filled with spray paint in the garage, so you can bet that I’m going to invest in one of these amazing racks. The <a href="https://shareasale.com/r.cfm?b=999&u=887760&m=70734&afftrack=hom-so-Feb%202022-27076&urllink=www.etsy.com%2Flisting%2F694678245%2F20-can-spray-paint-or-lube-can-wall" target="_blank">wall-mounted spray paint holder</a> can accommodate up to 20 cans, and it holds them at an angle to maximize space. Plus, the rack can also hold other similarly sized cans, such as WD-40.
3. This Funky Gadget That Winds Up Extension Cords
I’d like to shake the hand of the person who invented this tool. It’s a <a href="https://amzn.to/3LduNFe" target="_blank">wall-mounted extension cord winder</a> that you can use to neatly store all those spare power cords. When you need the cord, just pull it out, and when you’re done using it, you can crank it back into the little mesh basket. No tangles! Excuse me while I add two to my cart.
4. A Sneaky Way To Create More Storage Space
Think you’re all maxed out on shelf space? Not so fast! If your garage or workshop has exposed ceiling support beams, you can easily turn them into convenient storage space. (Seriously, why didn’t I think of that?!) All you have to do is put a <a href="https://go.skimresources.com/?id=28369X863759&xs=1&xcust=hom-so-Feb%202022-27076&url=https%3A%2F%2Fwww.lowes.com%2Fpd%2FClosetMaid-All-Purpose-Linen-12-ft-x-16-in-White-Universal-Wire-Shelf%2F5001544721" target="_blank">wire shelf</a> or another support underneath them, and just like that, you have built-in storage cubbies to tuck miscellaneous items out of the way.
5. Power Tool Holders Made From... PVC Pipes
Let’s be honest: PVC pipe is the star of this round-up. This person used small pieces of leftover pipe to create holsters for power tools, and then they mounted them to the bottom of a shelf. Our power tools always end up scattered around the house, workshop, and basement, so I love the idea of having one “docking” station for them.
6. A DIY Nail And Screw Storage Station
It’s no secret that we love up-cycling, so this strategy for storing nails, screws, and other pieces of hardware is A+ in our book. The creator used little plastic jars to sort all types of fasteners, and then they mounted the lids to the underside of a shelf. This keeps the jars visible and out of the way, and you can simply screw the container off when you need a nail or screw.
7. An Inexpensive Hack For Storing Garbage Bags
Here’s a DIY project that’s easy enough for anyone to tackle. All you need to create this garbage bag dispenser is two <a href="https://amzn.to/3uz4AuS" target="_blank">curtain rod brackets</a> and a <a href="https://amzn.to/3ungWX7" target="_blank">wooden dowel</a>, and the beauty of it is that you can adjust the size to fit your preferred trash bags. I’m definitely planning to make one for our big roll of contractor bags!
8. Another Option For Storing Long-Handle Tools
I also really love this option for storing garden tools, especially for smaller spaces. It’s great because you can make it as tall as needed to accommodate all your long-handle tools. You can buy the <a href="https://shareasale.com/r.cfm?b=999&u=887760&m=70734&afftrack=hom-so-Feb%202022-27076&urllink=www.etsy.com%2Flisting%2F810075810%2Fyard-tool-storage" target="_blank">vertical brackets</a> already made, but it would also be a fairly easy DIY. All you need is some <a href="https://go.skimresources.com/?id=28369X863759&xs=1&xcust=hom-so-Feb%202022-27076&url=https%3A%2F%2Fwww.lowes.com%2Fpd%2FMadison-Mill-Round-Wood-Poplar-Dowel-Actual-48-in-L-x-1-5-in-dia%2F3042000" target="_blank">heavy-duty dowels</a>, a <a href="https://go.skimresources.com/?id=28369X863759&xs=1&xcust=hom-so-Feb%202022-27076&url=https%3A%2F%2Fwww.lowes.com%2Fpd%2FIRWIN-SPEEDBOR-Standard-Length-1-1-2-in-Woodboring-Spade-Drill-Bit%2F1003019132" target="_blank">spade drill bit</a>, and some <a href="https://amzn.to/3LaEdBy" target="_blank">wood glue</a>.
9. A Lumber Rack For All Those Wood Scraps
This wood storage solution is going to be a must-have in my garage/workshop. We have so many little piles of scrap wood hanging around, and I’d love to have it all organized in a lumber rack. There are lots of different rack styles to choose from based on how much space you have and what you’re storing, and the best part is that most of them can be made using said scrap wood.
10. A Power Tool Charging Station
Here’s another great option for keeping power tools—and their respective chargers—organized. The shelving unit has slots where tools can be hung, and there are shelves to store both the batteries and chargers. You could likely build this storage unit yourself if you’re handy, but there are similar <a href="https://amzn.to/3skAkBk" target="_blank">tool racks</a> for sale, as well.
11. An Easy DIY Holder For Sports Balls
You know those big bins full of bouncy balls that you see at Walmart? It’s like that, but DIY-friendly! All you need is a few <a href="https://amzn.to/35J8maN" target="_blank">bungee cords</a> and a wooden frame, and you’ll be able to make the perfect holder for all your family’s sports balls. The best part is that you can adjust the spacing between cords to hold balls of different sizes.
12. A Rolling Storage Bin For Wood Cutoffs
It’s only fitting to finish out this round-up with another amazing PVC project. This cutoff storage bin has pipes of all different sizes, allowing you to sort wood scraps by length. Plus, it’s mounted on a wheeled base so you can easily move it around the workshop as needed. I love it!
2022-02-15T07:43:00-07:002022-02-15T07:51:57-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:3899Planning a Home Addition(Original article courtesy of <a href="https://www.homesandgardens.com/house-design/planning-a-home-addition" target="_blank">homesandgardens.com</a>)
Planning a home addition can be a fulfilling project. The addition can add the extra space needed in a home because of a growing family, or in response to a change in lifestyle, while avoiding the upheaval of moving home.
But a home addition is a substantial investment, so it’s important to plan meticulously and be in the know about <a href="https://www.homesandgardens.com/house-design/house-design" class="hawk-link-parsed" data-component="Inline Links">house design</a>, how long it might take and which professionals to work with.
Here we examine the steps of a successful project and the options available with guidance from the experts.
Planning a Home Addition
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2022-02-15_at_9.29.26_AM.png" width="1462" height="938" />
Careful consideration of all aspects of a remodeling or construction project before beginning can save money and time, and ensure it fulfills expectations – and planning a home addition is no exception. These are the factors to explore.
Where Do I Start When Adding an Addition to my Home?
Begin the process of planning a home addition by asking yourself some questions, recommends Bailey Carson, home care expert at <a href="https://www.angi.com/" target="_blank" rel="nofollow" data-url="https://www.angi.com/" class="hawk-link-parsed" data-component="Inline Links">Angi</a>:
What problem am I looking to solve?
How should the room look and feel?
What’s my budget?
What’s my timeline and project scope?
Who am I willing to work with to complete the project?
What permits do I need?
Where will I stay while the work is going on?
What Types of Home Additions are Possible?
A variety of options may be available when planning a home addition, including side or back extensions, cantilever additions, a new level, a basement, and a sunroom or veranda
Which is preferable will depend on where you need the extra space in the home, as well as how much more square footage is needed. What you can achieve will also be dependent on what’s allowed where you live.
If just a little extra space is required, you might think of adding a sunroom or veranda, both of which are lower cost options.
To extend existing rooms or add new ones, consider a side or back extension, which could be sizeable. ‘This is an attached addition to your home that expands the front, back or either side of your home,’ says Bailey Carson.
A cantilever addition, meanwhile, is a self-supporting structure with a floating appearance. ‘This is a popular choice for adding modern bedrooms to the home,’ Bailey explains.
If a major expansion of your home’s square footage is needed, a new level could be added to create a second or third story. ‘This is a great project to take on if you need a lot of new space to accommodate more family members,’ suggests Bailey. ‘This is also a good option if your lot size doesn’t allow enough space to build out your home.’ Bear in mind that a large budget will be needed for an addition of this type.
Other options might include adding a basement or finishing one, or finishing an attic. ‘Adding a basement where there isn’t one already is an expensive project, and you’ll have to check on local permits to make sure it’s allowed in your area,’ says Bailey. ‘If you already have an unfinished basement or attic, you might consider transforming it into a more structured living space.’
Gather Costs for Home Addition
Once you’ve considered fully why the addition is needed, but also the <a href="https://www.homesandgardens.com/house-design/home-addition-costs" class="hawk-link-parsed" data-component="Inline Links">home addition costs</a> and budget available for the project, and have also thought about the details of realizing it, it’s time to speak to professionals.
You may want to begin by consulting with architects, or directly with contractors. ‘Architects can help you envision your new addition, create floor plans and make sure your addition is feasible and safe. However, contractors are often sufficient for minor or simpler additions,’ explains Bailey Carson.
Be mindful that for contractors to bid accurately, full construction documents are required, so speaking to them first can help you discover whether your budget is likely to be sufficient for the type of addition you envision.
‘I recommend starting out by contacting some full-service builders-remodelers for a consultation,’ says Gregg Cantor, president and CEO of <a href="https://murraylampert.com/" target="_blank" rel="nofollow" data-url="https://murraylampert.com/" class="hawk-link-parsed" data-component="Inline Links">Murray Lampert Design, Build, Remodel</a>. ‘If you know the size and location of the addition, a phone or virtual consultation may be enough for a single story. For sloping lots, second stories or more complex projects, I recommend meeting at your home. There should be no charge for the initial consultation.
‘If you interview reputable companies by researching years in business, reviews, recommendations from family or friends etc, you should get education, ideas and at least a ballpark range of cost.
What Else Should I Ask the Professionals?
It’s not just overall costs that are important when planning a home addition, and you should take the opportunity to ask the pros all the questions that need answering. Bailey Carson suggests these might include:
What does your estimate include?
Can you walk me through the whole process?
How long do you anticipate the project will take?
What potential delays should I be aware of?
What do you do if there’s an unexpected delay, issue or cost along the way?
Who would you hire to do the work? Have you worked with them before?
What Other Factors Do I Need to Consider?
When you’re planning a home addition, don’t forget that the type you opt for will determine how much disruption it causes.
‘Don't live in the space while the work is being done if you can afford to move out,’ advises Susan Taylor of <a href="https://www.davistaylordesign.com/" target="_blank" rel="nofollow" data-url="https://www.davistaylordesign.com/" class="hawk-link-parsed" data-component="Inline Links">Davis Taylor Design</a>. ‘It's a very stressful process made 10 times worse by living in it. Especially if it’s your kitchen.’ If you can’t stay with family or friends during the construction process, the budget will need to include rental costs while you’re out of the house.
Be aware that in the current circumstances, timelines have increased. ‘Lead times are longer, the permitting process takes longer, and inspections are lagging because of the “renovate rush”,’ says Susan.
Materials prices continue to increase, too. ‘A bid you got a month ago may no longer be valid,’ says Susan. ‘Most people I’m working with are putting a “valid for 10 days” parameter on their bids and estimates. Ask for an updated bid so you are not surprised with overages.’
Do I Need an Architect for a Home Addition?
First of all you should know that local building authorities may require you to have an architect. Check with the local building department to be sure of what’s necessary in your community for the type of addition you’re planning.
As to whether it’s a good idea in terms of getting an architect’s professional input, be aware of the options. ‘If you are using a builder that specializes in additions then odds are that they have an architect on staff or a relationship with an architect they work with regularly,’ says residential real estate investor Bill Samuel of <a href="https://www.blueladderdevelopment.com/" target="_blank" rel="nofollow" data-url="https://www.blueladderdevelopment.com/" class="hawk-link-parsed" data-component="Inline Links">Blue Ladder Development</a>.
‘Hiring an architect or design-build firm with architecture is recommended,’ says Gregg Cantor. ‘However, an experienced designer or draftsperson can prepare construction plans with the assistance of a structural or civil engineer,’ he notes.
Is Adding an Addition Worth It?
As a rule, adding an addition is worth it. ‘Generally, adding to your home is likely to increase your home’s value,’ says Bailey Carson. ‘But it’s important to think about what kind of addition is best for your home’s layout – and how much space will improve your home and property,’ she advises.
‘Certain additions, like garages, bedrooms and extended kitchens, tend to be the most profitable, sometimes even getting you up to 100 per cent ROI (return on investment). These rooms increase your quality of life in your home and add value to your home if you choose to sell it – they’re a win-win!’2022-02-15T07:26:00-07:002022-02-15T07:36:50-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:38809 Things Home Insurance Covers (Plus 9 Things it Doesn’t)
(Original article courtesy of<a href="https://financebuzz.com/what-home-insurance-covers" target="_blank"> financebuzz.com</a>) Your home is one of your largest assets, and homeowners insurance can help protect that asset. However, don’t assume that home insurance will cover every possible problem that could occur. If you wait until it’s time to file a claim to understand your coverage, it’ll be too late. You could lose valuables or <a href="https://www.financebuzz.com/money-mistakes-homeowners-55mp">end up with an unaffordable bill</a>.
We’ll go over everything you need to know about home insurance, including what’s covered and what’s not, so you know what to expect and how to fill any coverage gaps.
1. Personal property: Mostly covered
Personal items such as furniture, clothes, and computers will be covered whether they’re in your home or not. However, some insurers limit the amount they’ll cover for belongings stored offsite or taken with you when you travel.
Most policies also only offer the fair market value of your personal belongings in the case of a covered loss. That means your payout won’t cover the cost of buying the item new, but rather the depreciated value. Note that none of these items will be covered if they’re damaged in an excluded event, such as a flood.
2. High-priced valuables: Usually not covered
Items such as expensive jewelry, fine art, antiques, furs, collectible items, musical instruments, firearms, high-end cameras, and silverware are typically subject to sub-limits under a homeowners policy. Even if you have a $25,000 limit for your personal belongings, your insurance company may only cover up to $1,500 in fine jewelry.
If you have an expensive engagement ring or another valuable item, you can purchase a rider, endorsement, or other add-on to cover these items. You might also want to add coverage for any business equipment, which typically has a sub-limit.
3. Your car: Not covered
Damage or theft of your car itself will not be covered under your home insurance policy. That’s why it’s important to choose the <a href="https://financebuzz.com/best-car-insurance-companies">best car insurance</a> for your needs. If your phone or other belongings are stolen out of your car, however, you’ll typically have coverage for those items up to the limits of your policy.
4. Your boat: Usually covered
Boats and boat trailers are typically covered under your homeowners insurance. A sub-limit will apply, so you should consider purchasing a separate policy if you have a large or fast boat. Note that <a href="https://financebuzz.com/what-is-liability-insurance-coverage">liability coverage</a> for your boat is not typically included, but you can add it.
5. Your bicycle: Usually covered
Your homeowners insurance will cover the value of your bicycle if it’s stolen or damaged by a covered loss. If you have a particularly expensive bike, you may need an extra endorsement.
You’ll also be covered under the liability coverage section of your policy if you injure someone while riding your bike. If someone hits your bike with their car, the <a href="https://financebuzz.com/car-insurance-costs-explained">property damage liability portion</a> of their car insurance policy will pay for the damage.
6. Replacement cost: Not usually covered
Most home insurance policies don’t automatically include replacement cost coverage for your personal belongings. If you have a five-year-old TV that incurs water damage, you won’t get the amount of money you paid for it when it was new. Instead, the amount you’ll get is basically what your TV would sell for at a pawn shop. You will need to add replacement cost coverage if you can afford it.
7. Fire: Usually covered
Homeowners insurance covers accidental fires in the home from a variety of causes, including wildfires. Your home, other structures on your property, and personal belongings are all covered.
You can also get compensated for living expenses you incur while waiting for your home to be rebuilt, such as hotel bills and food. However, you won’t be covered if someone in your household started the fire deliberately (arson) or if your home was vacant for over 30 days.
8. Earthquake damage: Not covered
A standard policy doesn’t cover earthquake damage, so if your personal belongings or even the structure of your home is damaged by an earthquake, you’re out of luck. If you live in an area prone to earthquakes, like California, you should purchase an earthquake endorsement or a separate policy.
9. Water damage: Usually covered
Sudden and accidental plumbing damage is typically covered by homeowners insurance, like if your water heater explodes or a pipe bursts. However, if your insurer decides the water damage was a result of poor maintenance, you won’t get a payout. Make sure to fix that hole where the rain gets in so you won’t be worried about your homeowners insurance denying your claim.
10. Flood: Not covered
Most homeowner policies don’t cover damage from a natural flood, so it’s a good idea to buy flood insurance if you’re in an area with a high flood risk. It may even be required by your mortgage lender. Most flood insurance policies are offered through the <a href="https://www.fema.gov/national-flood-insurance-program" target="_blank" rel="noopener noreferrer">National Flood Insurance Program (NFIP)</a>. If you live in an <a href="https://www.lsc.gov/flood-zone-lookup" target="_blank" rel="noopener noreferrer">at-risk area</a>, you’ll likely qualify for flood insurance.
11. Sewer backup: Not covered
Coverage for water damage from an outside source like a sewer or drain is not typically included in a standard homeowners insurance policy. However, you can often add sewer and backup coverage to your policy for an extra cost.
12. Natural disasters: Usually covered
Hurricanes, hail, lightning, and other natural disasters are typically covered by home insurance. The only exceptions are any perils specifically excluded from your policy (like mudslides and sinkholes), war, and nuclear accidents.
13. Vandalism: Covered
If your home is vandalized, your insurance company will pay for the damage to your home and personal belongings. The exception is if someone in your household or an additional insured vandalizes your home or belongings.
If your child decides to paint all over your walls and furniture, you’ll have to cover those damages yourself. But if your neighbor’s teen eggs your house, you can get compensation for those damages, as long as you didn’t leave your home vacant for longer than 30 days.
14. Damage from neglect: Not covered
Your home insurance company will deny your claim for any damage caused by neglect. This can include water damage or mold growth resulting from failing to fix a leaky pipe. That’s why it’s important to <a href="https://financebuzz.com/pay-for-emergency-home-repairs">budget for emergency repairs</a>.
15. Injury to others: Usually covered
A standard homeowners insurance policy includes medical payments for others. If a friend or neighbor falls down your stairs or slips on your sidewalk, your homeowners insurance will pay for their medical bills up to the limits in your policy.
16. Injury to your family: Not covered
If you fall down your stairs or slip on your sidewalk, your home insurance won’t cover your medical bills. Similarly, if your child or your pet is injured, home insurance won’t cover it. However, your health insurance coverage can help with your family’s medical bills, and <a href="https://financebuzz.com/insurance/pet-insurance">pet insurance</a> can protect your pet.
17. Pet or pest damage: Not covered
If your dog destroys your Jimmy Choos or leaves a stain on your sofa, don’t expect your insurance company to shell out for a replacement. Pet insurance won’t cover pet damage, either.
Pest damage, such as a bed bug infestation or termites, also won’t be covered by home insurance. However, damage from a wild animal may be.
18. Lawsuits: Usually covered
If you injure someone or damage their property, they might file a lawsuit against you. In this case, your homeowners policy will cover your legal defense and judgments against you up to the limits of your policy.
Examples are if your dog bites your neighbor (if it’s not an excluded breed) or your kids’ baseball breaks a neighbor’s window. However, you wouldn’t be covered if your spouse gets angry at your neighbor and assaults them since the injury was intentional.
Bottom line
One of the <a href="https://www.financebuzz.com/money-mistakes-homeowners-55mp">biggest mistakes you can make as a homeowner</a> is not reading your home insurance policy. Take the time to familiarize yourself with what’s covered, so you don’t end up facing unaffordable costs. If you notice gaps in your insurance coverage, take action with additional riders or policies so you’re well-prepared.
2022-02-01T08:08:00-07:002022-02-01T08:11:13-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:3879How much money can you really save by turning off lights around your house?(Original article courtesy of <a href="https://www.cnet.com/home/energy-and-utilities/how-much-money-can-you-really-save-by-turning-off-lights-around-your-house/" target="_blank">cnet.com</a>) As a homeowner, your electricity bill is going to be a consistent line item in your budget. The good news is that you have the power to reduce your bill with just a few simple lifestyle changes. One of those changes that can help you save money on electricity — while also having the added benefit of helping the environment — is turning off your lights when you aren't using them.
Keep reading to learn why it's important to turn off your lights and how much you can save by turning off your lights.
Why it's important to turn off lights
You've probably been told time and time again the importance of conserving energy, but you might be wondering why it's important.
First, reducing your energy usage by turning off your lights is an excellent way to reduce your carbon footprint. Electricity generation is one of the biggest sources of carbon emissions that contribute to climate change. By turning off your lights when you aren't using them, you can do your part to reduce carbon emissions and therefore help the environment.
And reducing your home's energy usage doesn't just help the environment — it also helps your wallet. Turning off lights when you don't need them can help to reduce your electricity bills. You'll also extend the life of your light bulbs, which will save you money as well.
How much you can save by turning off lights
The amount you can save on your electricity bill by turning off your lights depends on the type of light bulb. You can figure your potential savings using the light bulb's wattage.
Let's say you have a light bulb that's 40 watts, meaning that in one hour, the bulb will use 0.04 kWh. Then, you can use your electricity price — which you can find on your most recent utility bill — to figure out how much you'll save for that hour. In the case of the 40-watt bulb, if you pay an electricity rate of 10 cents per kWh, your savings by turning that bulb off for one hour would be 0.4 cents.
Now, it's easy to see that number and think it's simply not worth it to turn off your lights more often. After all, what difference does 0.4 cents make?
First, remember that estimate is for a 40-watt bulb. If you have higher-wattage light bulbs, then the savings will be greater. Next, that estimate uses an energy price of 10 cents per kWh, but in many areas, the price of electricity may be higher than that.
Finally, our estimate looked at the savings of turning off one bulb for one hour. You likely have many light bulbs in your house, and there are far more than just one hour in a month. So when you calculate the savings of turning off all of your light bulbs for many more hours per month, your savings will increase significantly.
Final thoughts
Turning off your lights when you aren't using them is one of the most basic steps you can take to reduce your energy usage and save money on your electricity bill. Just remember that even a small change can add up to big energy savings for you and also help reduce your carbon footprint. 2022-02-01T08:06:00-07:002022-02-01T08:08:19-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:3858Homestead Exemption InformationThis is a reminder that you must file with your county to receive homestead exemption in order to receive the benefits of this exemption. There are different rules for every county, so I have attached a form that explains what to do in each county.
You are eligible for homestead exemption if you purchased and have occupied your home anytime between January 1, 2021 and December 31, 2021. This home must be your primary residence. If you do not file before April 1st, you will not be penalized and you may file the following year; however, you will not reap the benefit of a reduced property tax.
Once you apply for your homestead exemption, it is not necessary to apply again unless you change your residence.
Click on the links below to be directed to the appropriate county;
Barrow
Homeowner must apply in person at the Tax Assessors’ office between January 2nd and April 1st of the year that the exemption is being requested. Applicant(s), for senior or disability exemptions, must apply in person and present copies of the previous year’s Federal and State income tax returns, any Social Security Form 1099s, proof of age, and/or proof of 100% total and permanent disability. If you need directions call: (770) 307-3108. <a href="http://www.barrowchamber.com">www.barrowchamber.com</a>
Bartow
Homeowner must apply in person with a copy of Warranty Deed and Photo I.D between Jan. 2nd and April 1st. For more information call: (770) 387-5111. <a href="http://www.bartowga.org">www.bartowga.org</a>
Cherokee
Homeowner must apply in person with a copy of Warranty Deed and Photo I.D. File between Jan. 1st. and April 1st. Call the Tax Assessors office at (678) 493-6120 for more information or to get directions. <a href="http://www.cherokeega.com">www.cherokeega.com</a>
Clarke
Homeowner must come in to file forms, with a copy of Warranty Deed. For more information call: (706) 613-3120. Must file between Jan 2nd and April 1st. <a href="http://www.athensclarkecounty.com">www.athensclarkecounty.com</a>
Clayton
Homeowner must apply in person between January 2nd and April 1st. of any calendar year. You must bring a copy of your Warranty Deed and Settlement Statement and current driver’s license. Call (770) 477-3311 for directions. <a href="http://www.clayton.ga.us">www.clayton.ga.us</a>
Cobb
Property must be in the name of the applicant. If you do not receive your application in the mail by February, please call (770) 528-8600 to request one. Fill out and return by April 1st. Applicants must provide a copy of their Georgia ID and Vehicle Registration. <a href="http://www.cobbtax.org">www.cobbtax.org</a>
Coweta
Homeowner must apply in person between Jan.1st and April 1st and updated driver’s license with new address reflected also bring Warranty Deed as it may not yet be reflected on title. For directions to Tax Commissioner Office, call (770) 254-2670. <a href="http://www.cowetatax.com">www.cowetatax.com</a>
Dekalb
Tax Commissioners office to apply between Jan 2nd and April 1st. Applicant(s) for senior or disability exemptions must apply in person and present copies of the previous year’s Federal and State income tax returns, any Social Security Form 1099s, proof of age, and/or proof of 100% total and permanent disability. For more information call: (404) 298-4000. <a href="https://www.dekalbcountyga.gov/">https://www.dekalbcountyga.gov/</a>
Forsyth
Homeowner must apply in person between Jan. 1st and April 1st. of the year in which the exemption is sought, must bring in a copy of the Warranty Deed, or Settlement Statement. If you filed homestead in a different county, you must provide a letter from previous county stating that homestead has been removed. If you need more information or directions call (770) 781-2106. <a href="http://www.co.forsyth.ga.us">www.co.forsyth.ga.us</a>
Fulton
Deadline is April 1st. If you apply in person you must bring a copy of recorded Warranty Deed, GA ID and all vehicle registration information must be registered in Fulton County. For more information call: (404) 224-0102. Deadline is April1st. <a href="http://www.co.fulton.ga.us/">www.co.fulton.ga.us</a>
Gwinnett
Homeowner must apply by the deadline April 1st and updated driver’s license with new address reflected also bring Warranty Deed as it may not yet be reflected on title. All vehicles must be registered in GW to qualify for homestead. Those filing for a Senior Exemption must bring with them their 1040 form. For more information call: (770) 822-8800. <a href="http://www.co.gwinnett.ga.us">www.co.gwinnett.ga.us</a>
Hall
Homeowners may apply online through April 1st or in person between Jan 3rd and April 1st, please bring a copy of your current Driver’s License with new property address on it. If applying online go to www.hallcounty.org and click county departments. If you need directions or further instructions, please call: (770) 531-6720.
Henry
Need to bring Warranty Deed and current Driver’s License to office before April 1st. (770) 954-2470 <a href="http://www.co.henry.ga.us">www.co.henry.ga.us</a>
Jackson
You can file Jan. 1st through April 1st. For more information call: (706) 367-6330. <a href="http://www.jacksoncountygov.com">www.jacksoncountygov.com</a>
Rockdale
Homeowner must apply in person at the Tax Assessors’ office between January 1st and April 1st of the year that the exemption is being requested. You must bring a copy of your Warranty Deed. If you need directions call: (770) 929-4024. <a href="http://www.rockdalecounty.org">www.rockdalecounty.org</a>
Walton
Homeowner must come in to Tax Assessors office to fill out application Jan. 1st and April 1st. For more information call: (770) 267-1352. <a href="http://www.qpublic.net/ga/walton/">http://www.qpublic.net/ga/walton/</a>
List of Counties
Use the link provided below click County Property Tax Facts for a comprehensive list of counties in the State of Georgia.
<a href="https://dor.georgia.gov/taxes">https://dor.georgia.gov/taxes</a>
2022-01-17T10:11:00-07:002022-01-17T10:21:40-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:3837Visit Our YouTube Channel!Interested in learning more about real estate on/near Lake Lanier or want to stay up to date on lake life? Scan the code below to visit our YouTube channel dedicated to answering all of your lake living questions!
<img src="https://assets.site-static.com/userfiles/3652/image/frame.png" width="115" height="149" />
2022-01-04T08:42:00-07:002022-01-04T17:35:14-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:382515 Genius Tips for Using WD-40 at Home(Original article courtesy of <a href="https://www.housedigest.com/714305/genius-tips-for-using-wd-40-at-home/">housedigest.com</a>)
You may have heard of WD-40 as one of those products that can be used in multiple ways, even if you always turn to it for the same reason time and time again, such as lubricating a squeaky door hinge, for example. However, that can with the signature logo on the vibrant yellow background likely has way, way more uses than you would have ever thought — in fact, according to the WD-40 website, there are over 2,000 documented uses.
There's a use for just about every area in your house, and just about every tricky task on your list. To that end, if you don't already have a can of this product in your home maintenance arsenal, trust us — you'll want to go grab some from the store to have at home. It'll likely come in handy more often than you think. Here are just 15 of the many uses for WD-40.
Remove scuff marks from the floor
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2021-12-28_at_11.36.48_AM.png" width="1282" height="840" />
With regular use, even if you're careful, your flooring can get various scuffs and scratches over the years. Next time you spot an unsightly scuff in a high-traffic area, don't fret — as Family Handyman suggests, just reach for that can of WD-40. All you really have to do is spray the area and then wipe the scuff away, although you may want to follow up by cleaning the floor as you normally would to get rid of any WD-40 residue.
Get Rid of Residue from Stickers
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2021-12-28_at_11.38.20_AM.png" width="1156" height="818" />
Whether you've purchased a new glass vase from TJ Maxx or labelled various jars in your pantry that you later want to change, let's face it — nothing is more frustrating than painstakingly peeling away a sticker or label, only to be left with that tacky residue. However, the solution for that turns out to be WD-40, as per Family Handyman. With some WD-40 application and a few minutes of your time, you should be able to effortlessly wipe away any of that pesky residue from your item.
Prevent Rust
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2021-12-28_at_11.38.48_AM.png" width="846" height="844" />
If you're the type to always accidentally leave your metal tools outside in the rain or snow, there's an easy hack for that: When you spot those tools that were forgotten, simply coat them with some WD-40, as the brand's own website suggests. The lubricating substance should help to prevent rust from forming on those tools, so you won't be fretting about having to replace all the implements that you left on the lawn.
Remove Stains from Stainless Sink
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2021-12-28_at_11.39.29_AM.png" width="1162" height="834" />
Stainless steel sinks are relatively easy to clean and sanitize, but occasionally you may end up with a particularly stubborn stain that just doesn't seem to budge. In cases like that, as Kitchn recommends, reach for a can of WD-40. The multi-use substance will help you tackle that stain, once and for all, whether it's because of rust, hard water, or grease, as WD-40 Australia explains. All you need to do is spray the solution onto the affected area and then wipe away — simple!
Tackle Tile Grout Grime
<img src="https://assets.site-static.com/userfiles/3652/image/Screen_Shot_2021-12-28_at_11.40.13_AM.png" width="1132" height="836" />
Even if you clean your bathroom on a regular schedule, it can be challenging to clean the grout — we'd wager that very few people have the patience to scrub along every inch of the grout during their weekly deep-clean. That's where WD-40 can come in handy; as Kitchn indicates, you can spray it on the area you're looking to deep clean, and then wash it with soapy water. This tip applies to tile anywhere in your home, from bathroom floor tile to a kitchen backsplash.
<a href="https://www.housedigest.com/714305/genius-tips-for-using-wd-40-at-home/?utm_campaign=clip">Read More</a>2021-12-28T09:34:00-07:002021-12-28T09:40:54-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:3824Best YouTube Channels That Help Homeowners Learn(Original article courtesy of <a href="https://purgula.com/maintenance/youtube-channels-that-help-homeowners-learn/">purgula.com</a>)
A curated list of YouTube channels that are exceptional at mentoring homeowners in a wide range of home maintenance and home improvement topics.
Given that homeowners need access to a wide range of knowledge to manage and care for their homes effectively, we have curated a list of “Best YouTube Channels to Help Homeowners Learn”. To be clear, this is NOT a list of channels that primarily focus on advanced DIY home improvement projects.
Though we love and respect channels that tackle complex projects, our aim is to provide less intimidating sources that can help homeowners quickly assess situations that often arise, solve these issues or get them pointed in the right direction. We also feel that these channels are especially contagious and make learning about home maintenance and improvement fun and engaging.
The embedded videos will give you a flavor of what each channel offers and the unique approach of each host. Enjoy!
TABLE OF CONTENTS
<a href="https://purgula.com/maintenance/youtube-channels-that-help-homeowners-learn/#diy-hip-chicks">DIY Hip Chicks</a>
<a href="https://purgula.com/maintenance/youtube-channels-that-help-homeowners-learn/#build-with-ferguson">Build with Ferguson</a>
<a href="https://purgula.com/maintenance/youtube-channels-that-help-homeowners-learn/#everyday-home-repairs">Everyday Home Repairs</a>
<a href="https://purgula.com/maintenance/youtube-channels-that-help-homeowners-learn/#fix-it-home-improvement">FIX IT Home Improvement Channel</a>
<a href="https://purgula.com/maintenance/youtube-channels-that-help-homeowners-learn/#gates-wildlife-control">Gates’ Wildlife Control</a>
<a href="https://purgula.com/maintenance/youtube-channels-that-help-homeowners-learn/#home-renovision-diy">Home RenoVision DIY</a>
<a href="https://purgula.com/maintenance/youtube-channels-that-help-homeowners-learn/#steve-ramsey-woodworking">Steve Ramsey’s Woodworking for Mere Mortals</a>
<a href="https://purgula.com/maintenance/youtube-channels-that-help-homeowners-learn/#yard-coach">Yard Coach</a>
2021-12-28T09:30:00-07:002021-12-28T09:34:18-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:3443Common Things to Look Out for Before Buying Your Dream Home<img src="https://assets.site-static.com/userfiles/3652/image/3-questions-to-ask-before-buying-your-dream-home.jpg" alt="Common Things to Look Out for Before Buying Your Dream Home" title="Common Things to Look Out for Before Buying Your Dream Home" height="410" width="750" />
It is easy to become overwhelmed when you enter the home buying market. Friends, family, colleagues, and even acquaintances will give you their opinions if you are a first time home buyer. While most of them are looking out for your best interest, they are not fully aware of what is happening in the housing market.
It is important for you to be prepared and have your own questions ready. No matter what other opinions you are getting, you are the one buying the home and your comfort level will help make your final decision. Here are three important questions to ask before you purchase a home.
1. Why am I Buying a Home?
Regardless of the finances, it is important to think about what made you want to buy a home in the first place. Usually the reasons don’t have to do with money. Instead, home buyers are focused on how the house will impact their family in the future. A study done by the Joint Center for House Studies at Harvard found there are four reasons people buy a home. Those reasons include schools for your children, a safe environment, more room for your family to grow, and control of your own space.
These factors are the most common reasons people look to buy a new home. When you ask yourself why you are looking to purchase a home, do any of those factors come up? Spend time with your spouse or family members who are involved in this decision and determine why you want a home in the first place. Creating this list will help when searching for a home and can help your real estate agent find the best home for your needs.
2. What is the Trend with Home Values?
Our current economy and housing market is strong. That means home values and mortgage rates are increasing. If you are looking to purchase a home but want to stay within a budget, it may be in your best interest to move quickly. It is forecasted for these trends to continue in an upward motion, causing home values to continue to increase.
3. What About Current Mortgage Rates?
The ticket price is not the only thing you should be concerned with when purchasing a home. Mortgage rates are always changing and can have a huge impact on your monthly payments. Current trends show mortgage rates are rising. This is something to consider if you are debating the right time to purchase a home, since the rates may be even higher down the road.
Bottom Line
You and your family are the only ones who can determine the right time to purchase your dream home. It is important to decide exactly why you want a new home for your family and decide on a budget that will be comfortable moving forward. This budget may affect the amount of time you have to search for a home, since home prices and mortgage rates are increasing. 2021-11-19T13:09:00-07:002021-11-19T13:10:43-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:3445Is Getting a Home Mortgage Still Too Difficult?<img src="https://assets.site-static.com/userfiles/3652/image/getting-a-home-mortgage.jpg" alt="Is Getting a Home Mortgage Still Too Difficult?" title="Is Getting a Home Mortgage Still Too Difficult?" height="410" width="750" />
Potential homebuyers are always cautioned to be aware of mortgage lending standards and the difficulty they might face when trying to obtain a mortgage. Credit availability is expanding, making it easier to get a mortgage now than it was a year ago. The market is still tight however, and homebuyers should be prepared to shop around until they find a lender who is offering something that will meet the needs of their family.
Mortgage lending companies have high standards so it is important to make sure you and anyone else who will be included on the mortgage have their credit in check. The mortgage market is strict because lenders do not want to be put in a situation where they are forced to repurchase loans that are not paid on. They also do not want to end up in a litigation situation due to loan issues.
What Has Happened to the Number of Mortgages?
Due to the strict nature and requirements of the lending companies, the number of mortgages given out has significantly dropped. A report by the Housing Financial Policy Center at the Urban Institute showed that about 6.3 million fewer mortgages were given out between 2009 and 2015. The reasons behind this statistic are strict regulations and policies. These mortgages would have been granted if the lending standards where more reasonable.
Mortgage companies rely on calculations to determine if a home buyer will become delinquent on their payment. They will not give you a loan if you are too much of a risk for them. Credit history has a huge impact on this decision since lenders can see how often you pay back your debts. The history they receive is extensive. This view into your financial past causes lenders to take less risk when lending to you for your mortgage.
The Effect on the Economy
The housing market is recovering at a slower pace than it should since less potential homebuyers are being offered loans. While the market is still recovering with positive trends, fewer buyers can create a strain on other economic factors like home goods or construction jobs. Bottom Line
After the housing market boom and bust, mortgage lenders became stricter in their lending standards. It is not impossible to get a mortgage loan, but it can still be difficult for potential home buyers. Stay on top of your credit and make sure you and anyone else who is applying are in a good financial position so you can be approved for a loan. It is important to research different companies and their requirements to ensure success in getting a mortgage.2021-11-19T13:09:00-07:002021-11-19T13:10:36-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:3444Why You Should Consider Selling in the Winter<img src="https://assets.site-static.com/userfiles/3652/image/selling-in-the-winter-attracts-serious-buyers.jpg" alt="Selling In Winter Attracts Serious Buyers" title="Selling In Winter Attracts Serious Buyers" height="410" width="750" />
The season you sell your home can have an impact on how much you get for your home and how quickly it sells. The season that has the most success in selling homes is spring. This is a good time of year for families moving to new school districts and is also more convenient weather for moving. Because of this trend, most people will recommend waiting to list your home until after the winter is over. Avoiding the winter is a huge misconception in the housing industry and can cause homeowners to miss out on opportunities.
Selling in the winter can give you a few advantages. There will be fewer houses on the market since most people assume winter is a bad time to sell. This gives your home more attention. Potential buyers are always looking no matter the time of year. Keeping your house on the market in the winter might bring the right buyer to your door. Real estate agents also tend to be less busy during these months and commit more time to getting your home sold.
Studies have shown winter buyers are buying because they need to move right away either for a relocation or personal situation. They will want to close quickly and allow for a much smoother sale.
Bottom Line
If you need to sell your home right away, or have some time but want to see what is out there, consider listing in the winter. Most homeowners who are going to sell will list their home in the spring, making for a competitive market. The winter allows buyers who are in a hurry to move consider your home and sell for more money than you would have in the spring.2021-11-19T13:09:00-07:002021-11-19T13:10:46-07:00Matt Hermestag:hermesrealtygroup.com,2012-09-20:3799Upcoming Holiday Events<img src="https://assets.site-static.com/userfiles/3652/image/uploads/agent-1/Screen_Shot_2021-11-16_at_4.02.59_PM.png" alt="" width="553" height="452" class="img_box_center" />
Click the links below for details about each event!
<a href="https://www.margaritavilleresorts.com/margaritaville-at-lanier-islands/attractions/margaritavilles-lakeside-lights-spectacular" target="_blank">Margaritaville Lightshow Spectacular & License to Chill</a>
<a href="https://www.illuminarium.com/atlanta/?_gl=1%2Adtiblh%2A_gcl_aw%2AR0NMLjE2MzcwOTY0NjUuQ2owS0NRaUF5czJNQmhET0FSSXNBRmYxRDFkQ2ZqTzZUN1BoWUx1V0tnTkVGQ1MwamNCZTF1MXN0RDlmaUxXWEg4Qmt4dlpnRC1VdVNuY2FBanNURUFMd193Y0I." target="_blank">Winterland Illunimarium</a>
<a href="https://dahlonegachristmas.com" target="_blank">Dahlonega's Old Fashioned Christmas</a>
<a href="https://gafestivaloftrees.org" target="_blank">Georgia Festival of Trees</a>
<a href="https://www.helenchamber.com/events/christkindlmarkt.html" target="_blank">Christkindlmarket </a>
<a href="https://www.atlantaballet.com/performances/nutcracker" target="_blank">Atlanta Ballet - The Nutcracker</a>2021-11-17T02:25:00-07:002021-12-02T02:09:34-07:00Matt Hermes