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The benefits of Buyer's Pre-Approval

The benefits of buyer's pre-approval are without question; it is good for the buyers, the sellers and the agents. It saves time, money and removes the uncertainty of knowing whether the buyer is qualified. The direct benefits include:

  • Amount the buyer can borrow decreases as interest rates rise
  • Looking at "Right" homes - price, size, amenities, location
  • Find the best loan - rate, term, type
  • Uncover credit issues early - time to cure possible problems
  • Bargaining power - price, terms, & timing
  • Close quicker - verifications have been made

There a big difference in sitting down with a trusted mortgage professional compared to going through calculators on a website. The cost of being pre-approved is a bargain and generally, limited to the cost of the credit report.

Even if you have been pre-approved, a suggestion that can't hurt but may help is to get a second opinion from a different lender. It will either verify that you have a good deal or you’ll discover that you can improve it. Either way, it works to your advantage. Contact me if you'd like a recommendation.

Thinking about refinancing or buying a home?

Just a thought

Whether you're refinancing your current home or buying a new one, something worth considering is a 15 year loan rather than a 30 year term. The payments will be a little higher but you'll get a lower interest rate and you'll build equity much faster.

Let's look at an example of a $200,000 mortgage with the choice of a 30 year term with a 3.75% rate compared to a 15 year term with a 2.875% rate. The payments would be $442.94 higher on the shorter term but the equity would be considerably higher even after you adjust for the higher payments.

Another benefit is that the shorter term loan creates a forced savings situation where the savings on a longer term loan might end up being spent rather than being saved and invested. Contact me if you'd like a recommendation of a trusted lender.

Whether you're refinancing your current home or buying a new one, something worth considering is a 15 year loan rather than a 30 year term. The payments will be a little higher but you'll get a lower interest rate and you'll build equity much faster.

Let's look at an example of a $200,000 mortgage with the choice of a 30 year term with a 3.75% rate compared to a 15 year term with a 2.875% rate. The payments would be $442.94 higher on the shorter term but the equity would be considerably higher even after you adjust for the higher payments.

Another benefit is that the shorter term loan creates a forced savings situation where the savings on a longer term loan might end up being spent rather than being saved and invested. Contact me if you'd like a recommendation of a trusted lender.

What is Appraised Value?

What is Appraised Value?

  • Appraisals provide an objective opinion of value, but it’s not an exact science so appraisals may differ.
  • For buying and selling purposes, appraisals are usually based on market value — what the property could probably be sold for. Other types of value include insurance value, replacement value, and assessed value for property tax purposes.
  • Appraised value is not a constant number. Changes in market conditions can dramatically alter appraised value.
  • Appraised value doesn’t take into account special considerations, like the need to sell rapidly.
  • Lenders usually use either the appraised value or the sale price, whichever is less, to determine the amount of the mortgage they will offer.

Used with permission from Kim Daugherty, Real Estate Checklists and Systems, www.realestatechecklists.com from the National Association of REALTORS website.

7 Reasons to Own Your Home

7 Reasons to Own Your Home

  1. Tax breaks. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, as well as some of the costs involved in buying your home.
  2. Appreciation. Real estate has long-term, stable growth in value. While year-to-year fluctuations are normal, median existing-home sale prices have increased on average 6.5 percent each year from 1972 through 2005, and increased 88.5 percent over the last 10 years, according to the NATIONAL ASSOCIATION OF REALTORS®. In addition, the number of U.S. households is expected to rise 15 percent over the next decade, creating continued high demand for housing.
  3. Equity. Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.
  4. Savings. Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.
  5. Predictability. Unlike rent, your fixed-mortgage payments don’t rise over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will increase.
  6. Freedom. The home is yours. You can decorate any way you want and benefit from your investment for as long as you own the home.
  7. Stability. Remaining in one neighborhood for several years gives you a chance to participate in community activities, lets you and your family establish lasting friendships, and offers your children the benefit of educational continuity.

Online resources: To calculate whether buying is the best financial option for you, use the “Buy vs. Rent” calculator at www.GinnieMae.gov.

Information provided by The National Association of REALTORS website.

10 Ways to Prepare for Homeownership

10 Ways to Prepare for Homeownership

  1. Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
  2. Develop your home wish list. Then, prioritize the features on your list.
  3. Select where you want to live. Compile a list of three or four neighborhoods you’d like to live in, taking into account items such as schools, recreational facilities, area expansion plans, and safety.
  4. Start saving. Do you have enough money saved to qualify for a mortgage and cover your down payment? Ideally, you should have 20 percent of the purchase price saved as a down payment. Also, don’t forget to factor in closing costs. Closing costs — including taxes, attorney’s fee, and transfer fees — average between 2 and 7 percent of the home price.
  5. Get your credit in order. Obtain a copy of your credit report to make sure it is accurate and to correct any errors immediately. A credit report provides a history of your credit, bad debts, and any late payments.
  6. Determine your mortgage qualifications. How large of mortgage do you qualify for? Also, explore different loan options — such as 30-year or 15-year fixed mortgages or ARMs — and decide what’s best for you.
  7. Get preapproved. Organize all the documentation a lender will need to preapprove you for a loan. You might need W-2 forms, copies of at least one pay stub, account numbers, and copies of two to four months of bank or credit union statements.
  8. Weigh other sources of help with a down payment. Do you qualify for any special mortgage or down payment assistance programs? Check with your state and local government on down payment assistance programs for first-time buyers. Or, if you have an IRA account, you can use the money you’ve saved to buy your fist home without paying a penalty for early withdrawal.
  9. Calculate the costs of homeownership. This should include property taxes, insurance, maintenance and utilities, and association fees, if applicable.
  10. Contact a REALTOR®. Find an experienced REALTOR® who can help guide you through the process.

Information obtained from the National Association of REALTORS website.

It's Worth Checking Out

It’s Worth Checking Out

"Anyone may arrange his affairs so that his taxes shall be as low as possible...for nobody owes any public duty to pay more than the law demands." 
Judge Learned Hand

This opinion refers to federal income tax but the logic and spirit can easily be applied to any tax including property tax. Most property tax is based on a valuation called an assessment placed on the property by a government taxing authority.

When property values rise due to appreciation, the assessments usually rise. However, when values decline as they have done in many areas in the past few years, the assessments should follow accordingly.

If you don’t believe your assessment reflects market value, put together proof to support your position. Recent comparable sales, similar in size, condition and location are very persuasive. Check to see if the square footage on the assessment is accurate. If the home is not in good condition, take pictures to show that.

As your real estate professional, I can supply the comparables, filing deadlines and other pertinent information needed to make a challenge. Lowering your assessment will result in lower property taxes and more money in your pocket.

Prevent Insects From Damaging Your Home

Prevent Insects From Damaging Your Home

Article From HouseLogic.com


By: Brad Broberg
Published: March 09, 2010


Eliminate access to food, water, and shelter to stop wood-damaging pests from bugging you.


Household pests want the same things you do-food, water, shelter-and will seize any opportunity to satisfy their needs. You can't stop every pest from ever flying, crawling, or burrowing into your home, but you can make sure the occasional intrusion doesn't become an all-out invasion.

Once a major infestation occurs, you'll likely need professional help (http://www.houselogic.com/home-advice/pest-control/treatment-options-for-getting-rid-of-insects/). But if you focus on prevention, you can tackle many aspects of pest control yourself, save money, and avoid adding pesticides to the environment.

You'll find the materials-hardware cloth ($8 per 6-inch-square swatch), door weather stripping ($8 per 17-foot roll of 7/8-inch v-strip polypropylene), O rings for faucets (pennies)-you need at most home improvement stores.

And many of the steps to impeding pests' access-clearing overgrowth from around foundations and disposing of wood scraps and other debris that accumulate in garages and along sides of houses-are things every homeowner should do as part of regular house and yard maintenance.

The effort-a few hours or a weekend a few times a year-and cost of supplies are well worth it to avoid having to repair thousands of dollars in damage caused by pests.

Start outside

Termites eat wood and carpenter ants tunnel into wood to nest. So remove piles of wood and other debris from around your home. The same goes for rotted stumps and logs. Keep firewood at least 20 feet away and five inches off the ground. And never bury wood scraps or waste lumber.

Maintain at least 6 inches of clearance between soil and structural wood to prevent decay, which attracts carpenter ants, and to make it tougher for termites to find their next meal.

Keep it dry

Termites, carpenter ants, and powderpost beetles thrive in moist areas, so maintain a Sahara zone around your home's perimeter.

In general, you shouldn't have any vegetation-bushes, shrubs, vines, trees-touching the house, which can trap moisture that causes rot and attracts pests. Many pests use vegetation as a bridge between the ground to the walls and roof of your home.

Keep foundation plantings (shrubs, bushes, perennials) and wood mulch at least 18 inches away from the foundation. Prune trees, bushes, and vines that touch or overhang the house. And don't plant anything close to your home that's aphid-prone, such as peonies or roses. That's like ringing the dinner bell for carpenter ants, which feed on honeydew, a sweet liquid produced by aphids.

Even an infrequent puddle close to the house can become an oasis for pests on the prowl for food, so take measures to direct water away from the house. Drain puddles, don't overwater flower beds, point sprinklers away from the structure, and make sure the ground near the foundation slopes away from your home. Use drain tile if the site is flat.

Clean gutters (http://www.houselogic.com/home-advice/roofing-gutters-siding/fast-fixes-common-gutter-problems/) so they don't overflow. Use downspout extensions and splash blocks to direct rainwater runoff away from the foundation. Fix dripping faucets, water pipes, and air conditioning units. Even small leaks can contribute to wood rot and moist foundations that pests find irresistible.

Deny access into your home

The tiniest gap or crack can become an express lane for pests-and not only insects. "If you can push a pencil through a hole, a mouse can get through it," says Greg Bauman, senior scientist with the National Pest Management Association.

 Inspect your home's envelope (walls, doors, windows, roof) for possible points of entry as well as moisture-inducing leaks. Use caulk or epoxy to seal any cracks in the foundation or gaps in the structure. Use steel wool or hardware cloth (1/4-inch wire mesh) to block any openings where wires, pipes, and cables come into or out of the house.

Should you detect any moisture damage, repair it promptly. Carpenter ants flock to deteriorating wood, but often move from decayed wood into sound wood as the colony expands. Replace punky fascia, soffits, and shingles. While you're at it, paint weathered and/or unfinished wood to stop carpenter bees from drilling holes to build their nests.

Ventilate attics and crawl spaces, and make sure vents aren't blocked by debris or vegetation. Good air flow prevents the buildup of moisture. Cover any exposed earth in the crawl space with a plastic vapor barrier.

Make sure roof and foundation vents are protected with hardware cloth. Install screens on all floor drains and windows. And while you're at it, caulk or install weather-stripping around windows and doors as well. Close any gap between your garage door and the floor by attaching a door sweep. And keep the door closed.

Be inhospitable

If pests do get inside, they'll usually die or skedaddle if they can't find anything to eat or drink.

Carpenter ants will eat almost anything you do, but are especially fond of sweet and greasy food. Put kitchen waste in a sealed trash can, sweep up crumbs, and wipe up spills right away. Termites typically feed on wood, but will eat anything with cellulose, so never store paper or cardboard-or wood-in the crawl space.

Deal with interior moisture, too. Inspect the base of toilets, around bath tubs and shower stalls, and areas where pipes go through walls, such as under sinks. Repair any leaks and wrap any pipes that produce excess condensation.

Check behind and under washing machines and dishwashers, which are notorious for leaks, to make sure there's no condensation or old moisture damage. Fix leaky faucets; in some cases, replacing a simple O ring might not only save water, but also stave off a potential invasion of pests.

Treatment Options for Getting Rid of Insects

Treatment Options for Getting Rid of Insects

Article From HouseLogic.com


By: Brad Broberg
Published: March 10, 2010


You can limit the use of pesticides by enlisting a variety of strategies and methods to eliminate pests.


To get rid of wood-destroying insects (WDIs) and other pests, consider an approach -- "integrated pest management" -- that combines common sense with prevention techniques, conventional pesticides, and green alternatives, such as natural plant extracts and minerals.

Back in the late 20th century, spraying or pumping poisons became the widespread method of choice as home and garden pesticides grew into a $1.4 billion industry.

But today, amid growing concerns about the dangers of toxins to people, animals, and the environment, homeowners and pest-control professionals are looking for ways to reduce the amount of pesticides used by incorporating a range of treatments that are often less toxic but still effective.

Conventional pesticide treatment

With conventional pest control, the name of the game is extermination. The operator kills the insects with chemicals-often applied as sprays-and reapplies the pesticides on a regular schedule to prevent another infestation. That means you're paying for treatment whether or not insects are actually present.

The risks of unnecessary exposure to pesticides aren't to be taken lightly. While perhaps effective in the short run, pesticides have been shown to produce long-term consequences, including adverse effects on the endocrine, reproductive, and nervous systems of people and animals. Children are especially sensitive to the toxins found in many pesticides because their immune systems, organs, brains, and nervous systems are still developing.

Although the Environmental Protection Agency regulates all pesticides for safety, they remain potentially deadly to humans and harmful to the environment-especially if misapplied.

A less-toxic approach

The new buzzword in the pest-control industry these days is integrated pest management (http://www.whatisipm.org). Rather than merely blasting pests with poisons, IPM uses a combination of strategies to control pests and includes homeowners as partners in the process.

IPM consists of three basic steps: identifying pests (http://www.houselogic.com/home-advice/pest-control/detect-termites-other-wood-destroying-insects/); preventing pests (http://www.houselogic.com/home-advice/pest-control/prevent-insects-damaging-home/); and-as needed-treating them.

What to expect from a pest-control pro

Just because a pest-control company says it practices IPM doesn't make it so. The first thing to look for is knowledge about pests. An operator must be able to tell different insects apart and understand their habits and habitats to decide how best to help you control them.

IPM stresses prevention. The pest-control representative should inspect your home for signs of infestation and then recommend steps you can take to eliminate pests by denying food, water, and access. Example: Deterring termites and carpenter ants by keeping the soil around your foundation dry.

Although prevention is the preferred solution, the professional may need to take immediate action to treat an existing infestation. That may include using pesticides, but only as a last resort against an active infestation and never as a matter of routine. Ongoing monitoring of pest activity by you and your pest control operator determines if or when pesticides are reapplied.

When using pesticides, the exterminator should choose the least toxic product possible, apply as little as possible, and treat the smallest area possible-just cracks and crevices, for example, instead of an entire baseboard. Baits-gels, pastes, and granules applied directly or contained in bait stations-are preferred over sprays because they reduce exposure to fumes and residue.

Natural alternatives

 If you're uncomfortable with even limited use of pesticides, ask the pest-control expert about products that rely on natural substances for their active ingredients.

Examples include boric acid, a naturally occurring mineral, and essential oils, derived from the natural defense systems of plants. Although slower acting than chemical pesticides, products made from natural substances can be highly effective.

A word of caution: Even pesticides made from natural substances can be harmful if mishandled. They are, after all, intended to kill living organisms. In addition, some products include chemical additives that make the natural substance more effective, but which also are toxic.

Costs vary

How much you'll pay to solve your problem will depend on the type of insect, the size of the infestation, and the type and intensity of treatment. Many pest-control pros offer free inspections, but the bill for actual service can range from less than $100 to spot treat an ant nest to several thousand dollars to eradicate termites and offer ongoing protection.

Compare estimates from several pest-control companies. A few national pest-control companies, such as Orkin and Terminix, provide free online estimates. But the best way to find out the extent of your problem and the options available is to have an expert come to your home and do an on-site inspection (http://www.houselogic.com/home-advice/pest-control/detect-termites-other-wood-destroying-insects/).

Make sure the company is licensed and a member of a local, state, or national pest management association. You may also want to check the company's status with state regulatory agencies for consumer affairs and agriculture.

Backyard Pests from Eating Your Greens?

Keep Backyard Pests from Eating Your Greens

Article From HouseLogic.com


By: Theresa Klisz
Published: April 21, 2011


Backyard pests--squirrels, rabbits, moles--can destroy your landscaping and lawns. Here's how to get rid of the ravenous critters.


Peter Rabbit and other backyard pests (http://www.houselogic.com/home-advice/pest-control/wildlife-pest-control-your-community/) weave a path of destruction (http://www.icwdm.org/Inspection/trees.asp) through your yard. They eat shrubs and gardens, chew power wires, and gnaw tree roots. Here's how to tell which critters are doing damage, ways to protect your greens, and landscape changes that will encourage these pests to dine elsewhere.

Rabbit rascals

Calling cards: Ravaged vegetables, beheaded borders and flowers (http://www.extension.org/pages/Cottontail_Rabbit_Damage_Assessment) (especially tulips), and gnawed trees, such as red maple, honey locust, and evergreens.

Protection: Install 2-ft.-high fences (http://www.extension.org/pages/Cottontail_Rabbit_Damage_Management#Exclusion) that extend to the ground or below ($50 for 100 ft. of galvanized poultry fencing). Surround young tree trunks with plastic tree guard cylinders ($10).

Change habitat: Eliminate piles of brush, barricade cozy spots under sheds, and flatten back-lot debris piles where rabbits nest. Ivy, wisteria, and periwinkle will curb the munching, and fragrant herbs like thyme and lavender will turn them away.

Squirrely pests

Calling cards: Bumps in the night because they nest in your attic (http://www.aaanimalcontrol.com/blog/squirrelnest.html); power loss due to frayed wires; missing vegetables and flower bulbs; quickly emptied bird feeders.

Protection: Plug house entry places, such as gaps around utility pipes, broken windows, and uncapped chimneys. Cover wires with plastic pipe that will rotate, causing the squirrel to fall ($2.50 for a 2-ft. section). Sandwich bulbs underground between two layers of wire mesh ($175 for 100 ft. of 24-inch wire mesh).

Change habitat: Trim tree branches 6 to 8 ft. from buildings so squirrels can't jump onto your roof. Switch to squirrel-proof tilting bird feeders ($25 and up) or domed feeders that close when weight limits are exceeded. Don't plant oak trees--acorns are squirrel caviar.

 Gopher/mole problems

Calling cards: Dirt mounds, lawns pocked with ankle-breaking holes, power loss due to damaged underground utilities; weakened trees due to gnawed roots; missing plants.

Protection: Install mesh fencing 18 inches deep with one-half inch or smaller openings (25 sq. ft. for $175). Trapping (http://www.traplineproducts.com/moles.html) is the best way to eliminate gophers and moles. Scissor-jaw or choker-loop traps will snag star-nosed and hairy-tailed moles ($15 for two). Gopher traps (http://www.trapgopher.com/gopher-trap-tips-and-tricks.html) look like a twisted mess, but they quickly snap and trap ($15 for a pair). Both can be cleaned and reused.

Change habitat: Since they like easy-to-tunnel, well-watered lawns, try compacting soil and cutting down on irrigation. But moles and gophers are so adaptable that habitat changes won't keep them out, just slow them down.

Deer disturbance

Calling cards: Flowering plants nibbled to the nubs; leaves torn from plants from ground level to 6 ft.; 2-inch gouges (http://elkhorn.unl.edu/epublic/live/g1822/build/#target3) on tree trunks; hoof prints (http://www.huntingnet.com/staticpages/staticpage_detail.aspx?id=149) that resemble a broken heart.

Protection: Deer fence (http://www.houselogic.com/home-advice/pest-control/deer-fences-for-home/) at least 8 ft. high; homemade and commercial deer repellents (http://www.houselogic.com/home-advice/pest-control/deer-repellents-for-home/) that taste and smell bad; barking dog.

Change habitat: Replace tasty fruit trees (http://ag.arizona.edu/pubs/garden/az1237.pdf) with spruce and pine. Swap lilies for ferns and rosemary. Add switch grass and ribbon grass--they'll avoid these ornamentals. Bonus: Works for bunnies, too.

Deer Disease and Destruction: Top 5 Reasons to Keep Deer Out of Your Yard

Deer Disease and Destruction: Top 5 Reasons to Keep Deer Out of Your Yard

Article From HouseLogic.com


By: Theresa Klisz
Published: April 21, 2011


Overpopulated deer will spread disease, attract predators, damage landscapes, and even go after you. Understand the truth about deer danger.


Deer disease and destruction can make those doe eyes and white-tipped tails much less appealing than they are in Disney movies. These pretty creatures can cost you money and wreck your health. Think it's a shame to fence out, repel, and hunt deer? Think again!

1. Deer carry diseases

Lyme disease: Transmitted via a tick bite, Lyme disease (http://www.cdc.gov/niosh/topics/lyme/) can cause headaches, fever, fatigue, joint pain, and rashes in humans and other animals--including the family pet. If not treated properly, Lyme disease can cause memory loss and damage the nervous system.

Brucellosis: This bacterial infection can cause flu-like symptoms, including fever and headaches. Brucellosis can affect the central nervous systems and heart linings.

2. Deer attract predators

When deer are concentrated into small areas, they become an easy meal for their natural predators (http://www.deerworlds.com/deer-predators.html). Coyotes and bobcats carry disease, such as rabies, and won't hesitate to snatch the family pet or urban chickens you've been raising for fresh eggs.

Once these predators determine the dining is good, they'll come back for more. Now, not only do you have a deer problem, you have a coyote and bobcat problem, too.

3. Deer damage landscape

Deer damage hundreds of millions of dollars' worth of landscaping (http://www.houselogic.com/home-advice/pest-control/deer-fences-for-home/) yearly and make your yard a minefield of scat. They eat 6 to 10 pounds of food daily, tearing leaves from plants and bark from trees, leaving 2-inch long gouges, and weakening plants. Deer love tender new growth, but they'll nibble on every branch within their reach, from the ground to 6 ?ft. up.

 When bucks are in an amorous mood and marking territory, they rub their antlers (http://www.ianrpubs.unl.edu/epublic/pages/publicationD.jsp?publicationId=931) on young trees, scarring, weakening, and sometimes killing them.

4. Deer are aggressive

Competition for food can be fierce, causing larger deer to muscle away the younger, frailer herd members. Also, aggressive deer have head-butted, gored, and trampled people who got in their way.

5. Deer cause collisions

Nationally, drivers and deer collide 100,000 times a month, killing about 150 people a year. While most victims do not seek treatment after a deer-vehicle collision, a Utah study showed individual medical costs ranging from $437 for minor injuries to more than $20,000 for inpatient treatment.

Get Rid of Roaches Forever (At Least For Now)

Get Rid of Roaches Forever (At Least For Now)

Article From HouseLogic.com


By: Craig Guillot
Published: April 28, 2011


Get rid of roaches by starving, trapping, and poisoning them: It's a start.


Get rid of roaches (http://www.houselogic.com/home-advice/pest-control/prevent-insects-damaging-home/), which are not your friends. Flooring They carry dysentery, and they eat your food, books, and clothing. They also leave droppings-lovely.

Cockroaches live everywhere-in houses, apartments, trailers, and teepees. Roaches can squeeze through cracks the thickness of a quarter, and live a month without food. They enter your home in bags, boxes, and even underneath doors.

So how to do get rid of roaches once and for all?

Starve them

Whenever food and water are easy to find, roaches will invite themselves to dinner. Here's how to cancel their reservations and get rid of roaches:

          Dry up any standing water around sinks, tubs, and toilets. Roaches can only live a week without water.

          Meticulously clean (http://www.houselogic.com/home-advice/maintenance-repair/home-cleaning-secrets/) your kitchen, including crumbs near the stove, microwave, and refrigerator.

          Vacuum scraps of food from corners and around the cabinet bases.

          Wipe down cupboard insides and drawers with soap and water.

          Immediately clean and put away dirty dishes.

Serious roach removal

If your spotless house still attracts roaches, bring out the big guns.


Traps: Set sticky traps-like the famous Roach Motel (http://www.colonialmedical.com/product.php?productid=21620) ($2.50)-in dark locations where roaches congregate: Under sinks and refrigerators, behind stoves, and in cupboards. Traps will work immediately, so check them daily. Toss when full.

Bait: Bait stations ($10 for an 8-pack) have stick-and-peel backs; place them anywhere. Fipronil, the active ingredient, kills by touch or ingestion. Roaches often will share the bait with nest-mates, killing others in the process. Change stations every three months.

Green kill: To paralyze and eventually kill roaches, mix boric acid with water and flour, and place in jar lids in the back of cupboards and underneath stoves. (Caution! Keep out of reach of pets and children.) The flour will attract the roaches; the boric acid will eat away at their exoskeleton.

Hire a pest professional

If you can't get rid of roaches yourself, hire a pest control company (http://exterminators.networx.com/index.php?se=gn) to fight the war for you. Exterminators typically spray your house with Cynoff WP (keep it away from aquariums), set bait stations, and return until the roaches don't.

An initial visit costs $100 to $300, followed by monthly or quarterly visits at $50 a pop. Check the company's guarantees, and make sure the chemicals it uses are safe for you and your pets.

Tax-Free Income

Tax-Free Income

Some residents of Augusta, Georgia have purchased tickets to the Master's for years but have never attended the famous golf tournament. It's because they include the tickets as a bonus to the people who rent their home during the event.

Each year, owners rent their home for a big premium during the Masters and make tax-free income. Homeowners benefit from a little known provision in the tax code that does not require taxpayers to recognize the income derived from renting their home for less than 15 days per year. See Rental of property also used as home on IRS.gov.

Large sporting events like golf and tennis tournaments, championship games and other high attendance events increase the demand for a temporary rental of a private residence. Obviously, there are challenges with personal belongings and damage but getting a premium rental rate with a substantial deposit and not having to recognize the income could be worth it.

You'll certainly want to discuss this with your tax professional prior to making this decision. You'll probably also want to get some help from an experienced real estate professional.

Automatic Thermostats

Save Money...Be Comfortable

Automatic thermostats can lower your monthly utility costs while conveniently regulating your comfort by adjusting temperatures on your heating and cooling systems. These can be particularly effective in homes with zoned systems where you live in one area during the day but sleep in a different zone.

There are programmable thermostats available at home improvement stores that can make the adjustments for specific times during the day and specific days of the week. They'll allow you to override the setting when needed without tampering with the programming. They'll even remind you to change your filter.

An exciting development is the Wi-Fi enabled thermostat that allows adjustments from any Internet connection such as computer or Smartphone. Imagine how convenient it can be to change your temperature from the car before you get home.

Reasonably priced under $100 for most models, it makes it easy to recapture the cost of the thermostat quickly. Most of the thermostats are designed for do-it-yourselfers; however, you can always have a heating and cooling professional install it for you.

Evaluate Your House for a Deck

Evaluate Your House for a Deck

Article From HouseLogic.com


By: Dave Toht
Published: November 25, 2009


Here's how to plan a new deck that suits your property, meets your budget, and offers the best return on your investment.


In the summertime when the living is easy, there's nothing quite like a deck for cooking out, entertaining, or simply relaxing. In addition to boosting outdoor living space, a deck can be an asset when you sell your home.

Adding a deck will give you an average 70.1% return on your investment, according to the 2011-12 Cost vs. Value Report (http://www.remodeling.hw.net/2011/costvsvalue/national.aspx) from Remodeling Magazine. Planning a successful deck requires careful consideration of your site, your budget, and the features you should - or shouldn't - include. Here are some planning priorities to bear in mind.

Deciding on the site and size

Your deck (http://www.houselogic.com/home-advice/decks/smart-upgrades-decks/) will be a popular place, so give careful thought to where it should be located. Begin by working out how to access it from the house. The ever-handy back door to the kitchen probably won't do the job; it will force traffic toward the cooking area, making a shambles of any large-group entertaining. A better solution is a French door or slider that gives primary access from a living room, dining room, or family room while being handy to the kitchen. If the doorway can also be positioned to offer an expansive view, all the better.

Next, make sure the deck neither swamps your yard, nor becomes lost in it. Your local codes may set standards for how much of your lot can be occupied by a deck, and how close a deck can be to your lot line. Check these limitations early in your planning with your city or county building department.

Decide where to locate stairways off the deck so they provide unobtrusive access to the backyard. Also consider the path of the sun and the location of shade trees; sunlight may be pleasant in the morning but unbearable later in the day--having a shade tree to the west of your deck will help block the harsh late-day sun. Work out how to preserve your privacy and how to screen your deck from prevailing winds.

How much should you spend?

If you're considering a deck the size of a helipad, with all the bells and whistles imaginable, better think again. According to the 2010-11 Cost vs. Value Report (http://www.remodeling.hw.net/2010/costvsvalue/national.aspx), simple is best. For example, a medium-size (16 x 20-foot) deck made of pressure-treated wood provides the best return, averaging about 70% nationally. (In the Pacific region, where the outdoor-living season is lengthy, a deck add-on will do even better, earning back (http://www.houselogic.com/home-advice/decks/deck-addition-value/) about 82% of the initial investment.)

Composite decking (Trex, EverGrain, and TimberTech are some well-known brands) makes great sense from a maintenance point of view but will be more expensive--composites cost about 45% more than pressure-treated wood--and will recoup an average of only 62.8% of your cost. If you own an upscale home, a more elaborate deck (http://www.houselogic.com/home-advice/pools-spas/installing-spa-your-deck/) may be appropriate to keep pace with the competition, but don't expect a premium pay back: A two-level, 400-sq. ft. deck with upscale features such as composite decking, decorative railings, and built-in lighting offers only about a 55% pay back.

Hankering for an even higher return? If you're reasonably handy, you might want to go for the gold and build the deck yourself. Labor costs typically make up more than half the cost of residential construction. That means you can spend as little as $4,000 in materials for a wood deck of mid-range size and come away with a resale value of more than $8,000-a handsome return.

However, plan on spending 4-6 weekends building a 16x20 foot deck yourself. If you choose this route, consider buying a ready-made deck plan. Or, put to use one of the many websites with interactive design aids, such as Lowe's Deck Designer (http://www.lowes.com/lowes/lkn?action=pg&p=DesDeck/deckdes_launch.html&rn=RightNavFiles/no.html) (registration required), and Deckorators (http://www.ufpi.com/product/deckorators/Deck-Design.htm?gclid=CMfFvMm-5Z0CFRgbawodUgQ6LA).

Think local

To recoup a good portion of your investment, your deck needs to be right for your market. Appraiser Dick Koestner of Davenport, Iowa, recommends the simply checking out other decks in your area. "Don't make it too extreme [compared with] what's typical in your market," he counsels. "Definitely don't make it less than what is expected in the market."

Koestner also emphasizes the importance of obeying local codes. "A lot of potential purchasers are having a home inspection done," he says. "If the home inspector finds the deck isn't built to code, most of the purchasers are saying, 'Hey, fix it.'"

He emphasizes that codes exist not just to preserve property values, but promote safety. For example, railing balusters spaced too far apart can constitute a falling hazard for small children (most codes stipulate 4-inch maximum gap). In addition, a deck (http://www.houselogic.com/home-advice/decks/deck-care-and-maintenance/) inadequately attached to the house can collapse, often during a party when the structure is loaded with the extra weight of many people, creating mayhem like something out of the Poseidon Adventure. So get a permit from your building department and follow their requirements.

Of course, by dint of taking out a building permit your tax assessment will rise, but only to the extent that the value of your property is increased. The effect should be minimal: Decks are considered an outdoor improvement much like a new driveway or upgraded landscaping, not additional living space.

Looking good

Although it's hard to put a dollar value on aesthetics, looks count. Give thought to how the deck will meld with the architecture of your house. Railings offer a good opportunity to pull in color and detail that complements your home. Consider how the deck fits in with your backyard; it should make a smooth transition from the house to the landscape.

Care and Maintenance on Your Deck

Care and Maintenance of Your Deck

Article From HouseLogic.com


By: Dave Toht
Published: November 30, 2009


Annual deck maintenance will forestall repairs, protect your investment, and boost your enjoyment of your outdoor space.


Because decks are exposed to the harshest elements, they require annual maintenance. Most decks (http://www.houselogic.com/home-advice/home-thoughts/deck-options/) should be cleaned and sealed every year to protect wood components; even decks made of composite or vinyl decking should be washed annually. Also, every deck should be checked regularly for signs of rot and to ensure structural integrity.

Because a deck is a particularly good investment (http://www.houselogic.com/home-advice/decks/deck-addition-value/) - returning about 70% of its original cost, according to Remodeling Magazine's annual Cost vs. Value Report (http://www.remodeling.hw.net/2011/costvsvalue/national.aspx) - it's a good idea to establish a routine of upkeep that'll protect your deck and prevent expensive repairs. Here's a simple maintenance schedule to help keep your deck safe, sound, and looking great.

Late spring: Wash the deck

Aside from general dinginess, one of the sure signs a deck needs washing is a film of mold and grunge. Left unchecked, mold and dirt and can trap moisture and cause rot.

Begin cleaning your deck by removing debris from between deck boards using a putty knife. (For a makeshift extension that's a real knee-saver, try pushing the handle of your putty knife into a length of 1¼-inch PVC pipe. Some putty knives squeeze right in.)

Or, buy a pole-type groove and crevice cleaner. Pay special attention to the areas where deck boards cross the joists-the structural members underneath the decking. Thoroughly sweep the deck.

For a wood deck, use a standard deck cleaner--about $20 for 250 sq. ft. coverage. Or, make your own with a half bleach, half water solution. Choose a cloudy day when the decking is cool and the sun won't evaporate the cleaner. Protect all shrubs and plantings with plastic sheeting. Apply the cleaner according to the manufacturer's instructions.

Once the decking is cleaned, tackle the railing. Working from the bottom up, apply the cleaner, scrub, and then rinse. Working from the top down splatters the cleaning solution onto dry wood where it can double-bleach the surface, leaving marks that don't go away when the lower area is washed. Working from the bottom up means you'll be splattering onto a wet surface where the cleaner is diluted, leaving no marks.

For composite decks (http://www.houselogic.com/home-advice/decks/evaluate-your-house-deck/), use a cleaner specifically formulated for use on composite material. Scrub with a soft brush. Do not use a pressure washer-it can permanently damage the decking and will void any warranty. Remove rust and leaf stains with a deck brightener containing oxalic acid. Attack grease and oil stains with a commercial degreaser and detergents. Mold and mildew can be kept under control with the use of a deck wash solution twice a year.

For vinyl (cellular PVC) decking-the closest thing to a maintenance-free material-you'll only need to use warm water and a mild soap to remove mold, mildew, and dirt. Scrub in a circular motion using a stiff broom, then rinse thoroughly.

Late spring: Seal the deck

The finish on your deck may be so woebegone that it's obvious it needs resealing, but if you have doubts, try the water test. Splash some water onto the deck. If it beads up, all's well. If it soaks in, it's time to wash and reseal the deck.

Wash the deck as described above and allow it to dry for 48 hours before sealing. Use a pole sander equipped with 80-grit paper to remove any furriness caused by washing.

Sealers and stains are available at home improvement centers for about $30/gallon-enough to cover 250 sq. ft. of decking. Your finish options include:

                Clear sealer that lets the wood's natural grain and color show through

                Toner that adds a bit of color but fully reveals the grain and provides some protection against sunlight (ultraviolet or UV light)

                Semi-transparent stain that tints the wood, but lets some grain show

                Solid stain and opaque color that seals weathering damage and completely covers the grain

Expect to recoat clear sealers and toners annually. Recoat stain finishes as needed (every other year is a good routine), using the same or a slightly darker color. Be sure to wear gloves, a safety mask, and eye protection when applying stain and sealers. Use a roller to apply the sealer to the decking, covering three or four boards at a time. Use brushes and small rollers for railings, planters, and benches.

Some composite decking can be stained to restore its color. Be sure the product is intended for composites. Don't expect the same density of color that you would achieve with wood. Deck sealants aren't required or recommended.

Midsummer: Inspect and repair your deck

When the weather is warm and dry, it's a good time to give your deck's structure (http://www.houselogic.com/home-advice/home-thoughts/deck-options/) a close inspection. Pay particular attention to any areas within 6 inches of the ground or close to sources of water, such as downspouts and planters.

Look for signs of rot by probing structural members with a flat-blade screwdriver. Begin by checking stairs, especially where the stringers (the saw-tooth notched pieces that support the steps) meet the ground. Also check each perimeter post. If you can push the screwdriver a quarter-inch or more into a suspect area, you probably have rot.

Areas of rot that are no bigger than a silver dollar can be removed with a chisel and the hole can be treated with wood preservative. Larger areas may require the structural member to be replaced. Consult a professional carpenter or builder for an estimate for repairs.

If the underside of your deck is accessible, use a flashlight to inspect joists, posts, and beams (http://www.houselogic.com/home-advice/decks/smart-upgrades-decks/). Pay special attention to the ledger-that all-important piece of framing that attaches the deck to the house. An estimated 90% of collapsed decks resulted from the failure of the ledger. However, not all decks have ledgers. Some are free-standing-a beam and posts located within a few feet of the house indicate a free-standing deck system.

The ledger should be attached with lag screws, not just nails. The flashing-the metal cap that covers the top of the ledger and prevents moisture from getting behind the siding-should be free of rust and holes. Check all the hardware underneath, especially joist hangers, and replace any that are seriously rusted. Probe for signs of rot on the posts and joists. If anything looks doubtful, call in a pro to provide an estimate for any needed repairs.

If a framing member can't be easily removed and replaced, reinforce it. For example, if a joist shows areas of rot, you can add a splint of comparable pressure-treated lumber along side it, attaching the splint with two or three 3-inch deck screws every 12 inches. Then chisel away the rotten area and paint the raw wood with preservative.

Topside, look for cracked or rotten decking boards. Not all cracks are a structural threat, but they'll get worse with time. If you find damage, replace the piece. Areas of cupping can be sanded down.

Give the railing a good shake to be sure posts are not loose or damaged-loose connections may be remedied by drilling pilot holes and adding galvanized lag screws. Look for cracks that, over time, may have developed around fasteners such as nails or screws. To remedy, remove the fastener and seal the crack with an exterior-grade adhesive. Then, drill a new pilot hole and add a new galvanized deck screw.

Early fall: Preventive measures

If the decking was nailed, you'll likely find some nail heads popping out. A short-term solution is simply to pound them back in using a hammer and a thick nail set. For a longer lasting solution, pull out each protruding nail and drive in a deck screw slightly longer than the nail. (When pulling out the nail with a hammer or pry bar, use a scrap of wood as a fulcrum for greater leverage and to avoid damaging the deck.) If a nail only slightly protrudes, you may do more harm than good trying to pull it out. Pound it home.

To slow mold, moss, and rot, keep nearby bushes and trees cut back at least 12 inches from the deck. Don't let leaves and other debris pile up in corners. Move planters, chairs, and tables occasionally to avoid discoloring the decking. Keep nearby gutters and downspouts in good repair.

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