Monday, April 12, 2010
Monday, April 5, 2010
Tuesday, March 30, 2010
What You Need To Know About Obama's New Mortgage Aid Plan
WASHINGTON -- The Obama administration on Friday announced a major reworking of its troubled $75 billion plan to prevent foreclosures. The revamped program is now designed to aid jobless homeowners and people who owe more on their mortgages than their homes are worth.
Here's a look at the details:
Q. How many homeowners will this help?
A. The effort is designed to enable the government to reach its original goal of helping 3 million to 4 million homeowners avoid foreclosure by the end of 2012. That benchmark has so far proved impossible to approach. Only 170,000 homeowners have completed loan modifications, out of 1.1 million who began the government's Home Affordable Modification Program since it started last year.
Q. How many borrowers are in trouble?
A. About 6 million homeowners have missed at least two months of payments. And experts warn that 10 million to 12 million borrowers are in danger of foreclosure over the next three years. A growing risk is among homeowners who are "under water": They owe more on their loans than their homes are worth.
Q. How does the new plan work?
A. Borrowers will get help in three ways: Jobless homeowners can get a three-to-six-month break on their mortgage payments. Banks will get financial incentives to reduce mortgage balances for under-water borrowers. And lenders can offer refinanced loans backed by the Federal Housing Administration to these borrowers.
Q. When will all these programs be available?
A. Government officials didn't specify but said they should become available in the coming months.
Q. I'm unemployed. How do I get help?
A. That piece of the program is designed to give homeowners more time to find a job. Borrowers will have three to six months in which they'll have to spend no more than 31 percent of their monthly income on their mortgages. If you do find a job during that time, you will be evaluated for a loan modification that could permanently reduce your payments. To qualify, you need to live in your home, have a mortgage of below $729,750 and receive unemployment benefits.
Q. What happens if I don't get a job after the time is up?
A. Lenders will encourage you to consider a short sale, in which you sell your home for less than the mortgage amount. Another option is a deed-in-lieu of foreclosure, in which you agree to hand back the property to your lender.
Q. I owe more on my mortgage than my house is worth. Will this help me?
A. Maybe. The program depends on the willingness of mortgage companies to participate. Their track record has been shaky at best.
Q. How does it work?
A. Mortgage companies that already participate in the government's foreclosure prevention program will have to consider reducing the mortgage amount for borrowers who owe at least 15 percent more than their home's current value. Those reductions will happen gradually over three years and apply only if you miss no payments. Those companies will receive expanded incentives to do so.
Q. What kind of incentives?
A. For every dollar of principal the lender reduces, they will receive a subsidy of 10 to 21 cents. The larger subsidies will help reduce principal of borrowers who are less under water.
Q. How do I qualify?
A: You must have a mortgage of less than $729,750. You also must show that you are in financial trouble. And you have to be spending at least 31 percent of your pretax income on your mortgage payment.
Q. So how do I apply?
A. Call the company that sends your mortgage bill, also known as your mortgage servicer, to see if you qualify. If you can't get hold of someone, try a nonprofit housing counselor. NeighborWorks America runs a national network of foreclosure counseling agencies. Try: http://www.findaforeclosurecounselor.org/
Q. How does the refinancing program work?
A. Some borrowers will be able to refinance into loans backed by the Federal Housing Administration, which insures loans against default. The FHA will get $14 billion in incentive money from the federal bailout fund to make this happen. Lenders will have to reduce the homeowners' primary mortgages by at least 10 percent.
Q. How do I qualify?
A. Homeowners must not have missed any payments on their home loans, must live in their home as a primary residence and must provide proof of income.
Q. How do I apply for the FHA plan?
A. You don't. It's voluntary for mortgage companies. They'll evaluate whether they want to offer this option to homeowners.
We found this article here.
Here's a look at the details:
Q. How many homeowners will this help?
A. The effort is designed to enable the government to reach its original goal of helping 3 million to 4 million homeowners avoid foreclosure by the end of 2012. That benchmark has so far proved impossible to approach. Only 170,000 homeowners have completed loan modifications, out of 1.1 million who began the government's Home Affordable Modification Program since it started last year.
Q. How many borrowers are in trouble?
A. About 6 million homeowners have missed at least two months of payments. And experts warn that 10 million to 12 million borrowers are in danger of foreclosure over the next three years. A growing risk is among homeowners who are "under water": They owe more on their loans than their homes are worth.
Q. How does the new plan work?
A. Borrowers will get help in three ways: Jobless homeowners can get a three-to-six-month break on their mortgage payments. Banks will get financial incentives to reduce mortgage balances for under-water borrowers. And lenders can offer refinanced loans backed by the Federal Housing Administration to these borrowers.
Q. When will all these programs be available?
A. Government officials didn't specify but said they should become available in the coming months.
Q. I'm unemployed. How do I get help?
A. That piece of the program is designed to give homeowners more time to find a job. Borrowers will have three to six months in which they'll have to spend no more than 31 percent of their monthly income on their mortgages. If you do find a job during that time, you will be evaluated for a loan modification that could permanently reduce your payments. To qualify, you need to live in your home, have a mortgage of below $729,750 and receive unemployment benefits.
Q. What happens if I don't get a job after the time is up?
A. Lenders will encourage you to consider a short sale, in which you sell your home for less than the mortgage amount. Another option is a deed-in-lieu of foreclosure, in which you agree to hand back the property to your lender.
Q. I owe more on my mortgage than my house is worth. Will this help me?
A. Maybe. The program depends on the willingness of mortgage companies to participate. Their track record has been shaky at best.
Q. How does it work?
A. Mortgage companies that already participate in the government's foreclosure prevention program will have to consider reducing the mortgage amount for borrowers who owe at least 15 percent more than their home's current value. Those reductions will happen gradually over three years and apply only if you miss no payments. Those companies will receive expanded incentives to do so.
Q. What kind of incentives?
A. For every dollar of principal the lender reduces, they will receive a subsidy of 10 to 21 cents. The larger subsidies will help reduce principal of borrowers who are less under water.
Q. How do I qualify?
A: You must have a mortgage of less than $729,750. You also must show that you are in financial trouble. And you have to be spending at least 31 percent of your pretax income on your mortgage payment.
Q. So how do I apply?
A. Call the company that sends your mortgage bill, also known as your mortgage servicer, to see if you qualify. If you can't get hold of someone, try a nonprofit housing counselor. NeighborWorks America runs a national network of foreclosure counseling agencies. Try: http://www.findaforeclosurecounselor.org/
Q. How does the refinancing program work?
A. Some borrowers will be able to refinance into loans backed by the Federal Housing Administration, which insures loans against default. The FHA will get $14 billion in incentive money from the federal bailout fund to make this happen. Lenders will have to reduce the homeowners' primary mortgages by at least 10 percent.
Q. How do I qualify?
A. Homeowners must not have missed any payments on their home loans, must live in their home as a primary residence and must provide proof of income.
Q. How do I apply for the FHA plan?
A. You don't. It's voluntary for mortgage companies. They'll evaluate whether they want to offer this option to homeowners.
We found this article here.
Monday, March 29, 2010
Monday, March 22, 2010
Friday, March 19, 2010
BEDROOM
Your sanctuary is beginning to look more like the last place you want to be. Take the time to spring clean your bedroom with this step-by-step tutorial. Spring cleaning your bedroom will give you back a peaceful night's rest.
Difficulty: Easy
Time Required: 1-2 hours
Here's How:
Start with the 15 Minute Bedroom Cleanup or for a child's room the 15 Minute Kid's Room Cleanup. This will help get the room into a workable place for you to begin.
Dust down the ceiling and corners.
Consider if the walls in your home need to be washed. Don’t forget air vents, doorknobs, and switch plates. Dust and clean all wall art. Be careful when cleaning framed art and photographs. Never spray cleaner or water onto the frame. The liquid can seep behind the glass and damage the pictures. Instead lightly wet a clean cloth to wipe the frame and glass.
Clean the ceiling fan.
Dust the fan and fan blades. You may need to use a gentle cleanser like Murphy’s Oil soap mixed with water and a cleaning cloth. Take down light fixtures and gently wash and dry them before replacing.
Take down draperies and curtains to wash or have cleaned according to the directions.
Dust down any blinds and other window treatments. Dust down and wash window sills and corners. Wash the inside and outsides of windows. Take down and rinse off screens, before replacing.
Wash all bedding, comforters, mattress pads, pillows, etc.
Vacuum and flip your mattress over to provide even wear. Clean out from under your bed. Replace bed with clean bedding.
Dust down and clean all accent lamps and knickknacks.
Use a vacuum attachment or duster to clean the lamp shade, lamps, and any extra decorative items.
Dust down all dressers, chests, and nightstands.
Clean any mirrors.
Clean flooring.
Dust and mop for hard floors. Professionally clean carpet, or vacuum and spot treat for mildly soiled floors.
Tips:
Either do the closets first or save them for last. Don't try to get started de-cluttering in the middle. You might get distracted and end up with nothing done.
Music, an audio book, or a good friend on speaker phone are great ways to help pass the time.
Don't skip under your bed. For many of us it can be scary, but it has to be done eventually.
What You Need:
Broom or vacuum
Mop or carpet machine
Spot carpet cleaner
Dust mop
Dust cloths
Mild cleanser
Laundry products for laundering bedding
Mirror and window cleaner
This information was found HERE.
Difficulty: Easy
Time Required: 1-2 hours
Here's How:
Start with the 15 Minute Bedroom Cleanup or for a child's room the 15 Minute Kid's Room Cleanup. This will help get the room into a workable place for you to begin.
Dust down the ceiling and corners.
Consider if the walls in your home need to be washed. Don’t forget air vents, doorknobs, and switch plates. Dust and clean all wall art. Be careful when cleaning framed art and photographs. Never spray cleaner or water onto the frame. The liquid can seep behind the glass and damage the pictures. Instead lightly wet a clean cloth to wipe the frame and glass.
Clean the ceiling fan.
Dust the fan and fan blades. You may need to use a gentle cleanser like Murphy’s Oil soap mixed with water and a cleaning cloth. Take down light fixtures and gently wash and dry them before replacing.
Take down draperies and curtains to wash or have cleaned according to the directions.
Dust down any blinds and other window treatments. Dust down and wash window sills and corners. Wash the inside and outsides of windows. Take down and rinse off screens, before replacing.
Wash all bedding, comforters, mattress pads, pillows, etc.
Vacuum and flip your mattress over to provide even wear. Clean out from under your bed. Replace bed with clean bedding.
Dust down and clean all accent lamps and knickknacks.
Use a vacuum attachment or duster to clean the lamp shade, lamps, and any extra decorative items.
Dust down all dressers, chests, and nightstands.
Clean any mirrors.
Clean flooring.
Dust and mop for hard floors. Professionally clean carpet, or vacuum and spot treat for mildly soiled floors.
Tips:
Either do the closets first or save them for last. Don't try to get started de-cluttering in the middle. You might get distracted and end up with nothing done.
Music, an audio book, or a good friend on speaker phone are great ways to help pass the time.
Don't skip under your bed. For many of us it can be scary, but it has to be done eventually.
What You Need:
Broom or vacuum
Mop or carpet machine
Spot carpet cleaner
Dust mop
Dust cloths
Mild cleanser
Laundry products for laundering bedding
Mirror and window cleaner
This information was found HERE.
Thursday, March 18, 2010
BATHROOM
Your medicine cabinet is overflowing. You can't remember what color the tile in your shower used to be. An invisible person wouldn't be able to recognize himself in your dingy mirror. Have hope. This spring cleaning how-to will get your bathroom back in shape.
Difficulty: Average
Time Required: 45 minutes-1 hour
Here's How:
Follow the 15 Minute Bathroom Cleanup.
This will get rid of trash and laundry, enabling you to deeply clean the room. Don't do the floors in the 15 minute cleanup. We'll do that in a later step.
Dust down the ceiling and corners.
Consider if the walls in your home need to be washed. Check here for information on how to clean some wall surfaces. Dust and clean all wall art. Be careful when cleaning framed art and photographs. Never spray cleaner or water onto the frame. The liquid can seep behind the glass and damage the pictures. Instead light wet a clean cloth to wipe the frame and glass.
Dust the vents and fans.
Dust the outside of vents and fans. You may need to use a gentle cleanser mixed with water and a cleaning cloth. Take down light fixtures and gently wash and dry them before replacing.
Take down draperies, curtains, blinds, etc, to wash or have cleaned according to the directions. Dust down any blinds and other window treatments. Dust down and wash windowsills and corners. Wash the inside and outsides of windows. Take down and rinse off screens, before replacing.
Scrub the shower and tub.
Don't forget fixtures. Launder or clean your shower curtain and replace the shower curtain liner. Clean shower doors. Dissolve soap scum buildup with commercial cleaner or natural cleaners. Do not use lemons and vinegar or other acidic cleansers on tile grout. The cleansers will eat away the grout.
Scrub down the toilet.
Don't forget the handle, crevices on the outside, and underneath.
Wash the inside and outside of medicine cabinets, linen cabinets, etc.
Wash down the sink and fixtures.
Don't forget to thoroughly clean your mirrors. Since your spring cleaning, use cotton swabs to scrub in tight spots on your sink.
Shake out bathroom rugs.
Launder them and hang to dry.
Sweep and mop the floor.
One of the best ways to get a floor REALLY clean is to use a rag or towel while on your hands and knees. If this is not an option try going barefoot and scooting a large towel around the floor with your feet. It provides more contact and pressure with the floor. Press gently, and be careful and slow. Even though this is the last step, the floor is not the best place to rest.
Empty and wash out the trash can.
Lining the trash can will save time when it needs to be emptied, and help keep it cleaner longer. You can buy small commercial trash sacks, or use leftover grocery sacks and help recycle.
Tips:
Make sure to leave the window open to ventilate the cleansers you will be using. If you like singing in the shower, try singing while cleaning it. It will help pass the time.
What You Need:
Dust mop (preferably with a long handle)
Step-ladder
Cleaning cloths
Small bucket with handle
Sponges or stiff brush
Cleansers of choice
Broom and mop or towel
Plastic sack to line trash can
This information was found HERE.
Difficulty: Average
Time Required: 45 minutes-1 hour
Here's How:
Follow the 15 Minute Bathroom Cleanup.
This will get rid of trash and laundry, enabling you to deeply clean the room. Don't do the floors in the 15 minute cleanup. We'll do that in a later step.
Dust down the ceiling and corners.
Consider if the walls in your home need to be washed. Check here for information on how to clean some wall surfaces. Dust and clean all wall art. Be careful when cleaning framed art and photographs. Never spray cleaner or water onto the frame. The liquid can seep behind the glass and damage the pictures. Instead light wet a clean cloth to wipe the frame and glass.
Dust the vents and fans.
Dust the outside of vents and fans. You may need to use a gentle cleanser mixed with water and a cleaning cloth. Take down light fixtures and gently wash and dry them before replacing.
Take down draperies, curtains, blinds, etc, to wash or have cleaned according to the directions. Dust down any blinds and other window treatments. Dust down and wash windowsills and corners. Wash the inside and outsides of windows. Take down and rinse off screens, before replacing.
Scrub the shower and tub.
Don't forget fixtures. Launder or clean your shower curtain and replace the shower curtain liner. Clean shower doors. Dissolve soap scum buildup with commercial cleaner or natural cleaners. Do not use lemons and vinegar or other acidic cleansers on tile grout. The cleansers will eat away the grout.
Scrub down the toilet.
Don't forget the handle, crevices on the outside, and underneath.
Wash the inside and outside of medicine cabinets, linen cabinets, etc.
Wash down the sink and fixtures.
Don't forget to thoroughly clean your mirrors. Since your spring cleaning, use cotton swabs to scrub in tight spots on your sink.
Shake out bathroom rugs.
Launder them and hang to dry.
Sweep and mop the floor.
One of the best ways to get a floor REALLY clean is to use a rag or towel while on your hands and knees. If this is not an option try going barefoot and scooting a large towel around the floor with your feet. It provides more contact and pressure with the floor. Press gently, and be careful and slow. Even though this is the last step, the floor is not the best place to rest.
Empty and wash out the trash can.
Lining the trash can will save time when it needs to be emptied, and help keep it cleaner longer. You can buy small commercial trash sacks, or use leftover grocery sacks and help recycle.
Tips:
Make sure to leave the window open to ventilate the cleansers you will be using. If you like singing in the shower, try singing while cleaning it. It will help pass the time.
What You Need:
Dust mop (preferably with a long handle)
Step-ladder
Cleaning cloths
Small bucket with handle
Sponges or stiff brush
Cleansers of choice
Broom and mop or towel
Plastic sack to line trash can
This information was found HERE.
Wednesday, March 17, 2010
LIVING ROOM
While we may be doing an excellent job of maintaining our living areas, occasionally we need to do more than maintenance. Take the time to review what goes into a living room spring clean up. Find a list of supplies along with step-by-step instructions to do a thorough spring cleaning in your living areas.
Difficulty: Hard
Time Required: 45 minutes - 1 hour
Here's How:
Begin with a 15 Minute Living Room Cleanup. This will clear out the clutter and give you room to do the actual spring clean up. Don't worry about cleaning the floors in the 15 minute clean up. We will do this later.
Dust down the ceiling and corners of walls.
Determine if the walls need washed in dirty spots. Spot wash, remembering air vents, doorknobs, doors, and switch plates.
Dust and clean all art and photographs along the wall.
Be careful when cleaning framed art and photographs. Never spray cleanser or water onto the frame. The liquid can seep behind the glass and damage the pictures. Instead lightly wet a clean cloth to wipe the frame and glass.
Dust and clean the ceiling fan.
There is nothing more embarrassing than turning on a ceiling fan and having large chunks of dust fall down on your guest's head. Use this spring cleaning time to dust down the fan and fan blades. You may need to use a gentle cleanser like Murphy's Oil Soap. Take down any light fixtures and gently wash and dry them before replacing.
Take down draperies, curtains, and blinds to wash or have cleaned according to the manufacturer's directions. Vacuum and clean windowsills and corners. Wash the insides and outsides of the windows. Take down and rinse off screens, before replacing.
Dust and clean out the couches and chairs.
Use a vacuum cleaner with attachment to clean out couch crevices. Check to make sure none of your missing items have found their way into the abyss of the couch. Clean slipcovers, accent pillows, etc. Use an upholstery attachment on a rug shampoo machine to clean soiled couches and chair surfaces if needed. If a light cleaning is needed use upholstery spot cleaner. Test in a hidden area first.
Dust down and clean all accent lamps and knickknacks.
Use a vacuum attachment or duster to clean the lampshades, lamps, and any extra decorative items.
Remove books from bookshelves.
Dust down the books and the shelves.
Dust down accent tables and the entertainment center.
Unplug and dust down all the electronics. Check cords for fraying and wear. Dust down the television screen.
Clean the carpets and rugs.
If your carpets and rugs are heavily soiled it may be time to call a professional. You can also rent cleaning machines to use. Be sure to ask for one with an upholstery attachment. If your carpets are only lightly soiled vacuuming and spot treating may be all that is necessary.
Take the time to clean the doormats inside and outside your doorways. Wipe them down. Dust them off. Whatever needs to happen so that shoes don't transfer the dirt of your mat to your home.
Tips:
Listen to music, an audio book, or a foreign language tape. The time will pass a lot more quickly if you have an enjoyable atmosphere. This is a great time to commandeer the stereo for what you want to listen to. If anyone objects, offer to let them have a turn with the stereo and the spring cleaning.
Partner up with a friend or relative. After you get done spring cleaning your living room, help her do hers. Misery flees when company is around.
Gather all of your supplies together first thing. Trying to sort through the pantry cabinet for your dust cloths might make you frustrated enough to de-clutter the cabinet. It's easy to forget what your initial goal was.
What You Need:
Dust mop (preferably with a long handle)
Step-ladder
Cleaning cloths
Small bucket with handle
Sponges
Vacuum with attachment
Gentle cleanser
Rug shampoo machine with upholstery attachment (optional)
Spot remover for upholstery or carpets (optional)
This information was found HERE.
Difficulty: Hard
Time Required: 45 minutes - 1 hour
Here's How:
Begin with a 15 Minute Living Room Cleanup. This will clear out the clutter and give you room to do the actual spring clean up. Don't worry about cleaning the floors in the 15 minute clean up. We will do this later.
Dust down the ceiling and corners of walls.
Determine if the walls need washed in dirty spots. Spot wash, remembering air vents, doorknobs, doors, and switch plates.
Dust and clean all art and photographs along the wall.
Be careful when cleaning framed art and photographs. Never spray cleanser or water onto the frame. The liquid can seep behind the glass and damage the pictures. Instead lightly wet a clean cloth to wipe the frame and glass.
Dust and clean the ceiling fan.
There is nothing more embarrassing than turning on a ceiling fan and having large chunks of dust fall down on your guest's head. Use this spring cleaning time to dust down the fan and fan blades. You may need to use a gentle cleanser like Murphy's Oil Soap. Take down any light fixtures and gently wash and dry them before replacing.
Take down draperies, curtains, and blinds to wash or have cleaned according to the manufacturer's directions. Vacuum and clean windowsills and corners. Wash the insides and outsides of the windows. Take down and rinse off screens, before replacing.
Dust and clean out the couches and chairs.
Use a vacuum cleaner with attachment to clean out couch crevices. Check to make sure none of your missing items have found their way into the abyss of the couch. Clean slipcovers, accent pillows, etc. Use an upholstery attachment on a rug shampoo machine to clean soiled couches and chair surfaces if needed. If a light cleaning is needed use upholstery spot cleaner. Test in a hidden area first.
Dust down and clean all accent lamps and knickknacks.
Use a vacuum attachment or duster to clean the lampshades, lamps, and any extra decorative items.
Remove books from bookshelves.
Dust down the books and the shelves.
Dust down accent tables and the entertainment center.
Unplug and dust down all the electronics. Check cords for fraying and wear. Dust down the television screen.
Clean the carpets and rugs.
If your carpets and rugs are heavily soiled it may be time to call a professional. You can also rent cleaning machines to use. Be sure to ask for one with an upholstery attachment. If your carpets are only lightly soiled vacuuming and spot treating may be all that is necessary.
Take the time to clean the doormats inside and outside your doorways. Wipe them down. Dust them off. Whatever needs to happen so that shoes don't transfer the dirt of your mat to your home.
Tips:
Listen to music, an audio book, or a foreign language tape. The time will pass a lot more quickly if you have an enjoyable atmosphere. This is a great time to commandeer the stereo for what you want to listen to. If anyone objects, offer to let them have a turn with the stereo and the spring cleaning.
Partner up with a friend or relative. After you get done spring cleaning your living room, help her do hers. Misery flees when company is around.
Gather all of your supplies together first thing. Trying to sort through the pantry cabinet for your dust cloths might make you frustrated enough to de-clutter the cabinet. It's easy to forget what your initial goal was.
What You Need:
Dust mop (preferably with a long handle)
Step-ladder
Cleaning cloths
Small bucket with handle
Sponges
Vacuum with attachment
Gentle cleanser
Rug shampoo machine with upholstery attachment (optional)
Spot remover for upholstery or carpets (optional)
This information was found HERE.
Tuesday, March 16, 2010
DINING ROOM
Whether your dining area is used only on Thanksgiving, or seven days a week, spring cleaning is a great time to get the room in pristine condition. Take the time to review what goes into a dining room spring clean up. Find a list of supplies along with step-by-step instructions to do a thorough spring cleaning in your dining areas.
Difficulty: Hard
Time Required: 30 minutes - 1 hour
Here's How:
Dust down the ceiling and corners.
Consider if the walls in your home need to be washed. Check here for information on how to clean different wall surfaces. Don't forget air vents and switch plates.
Dust and clean all wall art.
Be careful when cleaning framed art and photographs. Never spray cleaner or water onto the frame. The liquid can seep behind the glass and damage the pictures. Instead lightly wet a clean cloth to wipe the frame and glass.
Clean the Ceiling Fan.
You know what's worse than a fly in your soup, a large chunk of dust from your ceiling fan in your soup. Dust the fan and fan blades. You may need to use a gentle cleanser like Murphy’s Oil Soap mixed with water and a cleaning cloth. Take down light fixtures and gently wash and dry them before replacing.
Take down draperies and curtains to wash or have cleaned according to the directions. Dust down any blinds and other window treatments. Dust down and wash window sills and corners. Wash the inside and outsides of windows. Take down and rinse off screens, before replacing.
Wash down the dining table, chairs, and any other furniture thoroughly. If you have wood furniture that needs to be oiled or waxed, do this now. If your chairs have an upholstered seat, spot clean the seats.
Clean the carpet and rugs.
You can choose to use a carpet professional, rent a cleaning machine, or vacuum and spot-treat according to soil level.
Tips:
This room will probably be one of the easier rooms in your home. With the uprising of eat-in-kitchens many of us find our dining rooms not used. Save this room for a day when you don't have a lot of time or pair it with another task.
Using music can motivate you to stick with a job. Throw on some tunes and dance while you dust. Although you might want to wait until after you've shut the blinds.
What You Need:
Dust mop (preferably with a long handle)
Step-ladder
Cleaning cloths
Small bucket with handle
Sponges
Vacuum with attachment
Gentle cleanser
Rug shampoo machine with upholstery attachment (optional)
Spot remover for upholstery or carpets (optional)
This information was found HERE.
Difficulty: Hard
Time Required: 30 minutes - 1 hour
Here's How:
Dust down the ceiling and corners.
Consider if the walls in your home need to be washed. Check here for information on how to clean different wall surfaces. Don't forget air vents and switch plates.
Dust and clean all wall art.
Be careful when cleaning framed art and photographs. Never spray cleaner or water onto the frame. The liquid can seep behind the glass and damage the pictures. Instead lightly wet a clean cloth to wipe the frame and glass.
Clean the Ceiling Fan.
You know what's worse than a fly in your soup, a large chunk of dust from your ceiling fan in your soup. Dust the fan and fan blades. You may need to use a gentle cleanser like Murphy’s Oil Soap mixed with water and a cleaning cloth. Take down light fixtures and gently wash and dry them before replacing.
Take down draperies and curtains to wash or have cleaned according to the directions. Dust down any blinds and other window treatments. Dust down and wash window sills and corners. Wash the inside and outsides of windows. Take down and rinse off screens, before replacing.
Wash down the dining table, chairs, and any other furniture thoroughly. If you have wood furniture that needs to be oiled or waxed, do this now. If your chairs have an upholstered seat, spot clean the seats.
Clean the carpet and rugs.
You can choose to use a carpet professional, rent a cleaning machine, or vacuum and spot-treat according to soil level.
Tips:
This room will probably be one of the easier rooms in your home. With the uprising of eat-in-kitchens many of us find our dining rooms not used. Save this room for a day when you don't have a lot of time or pair it with another task.
Using music can motivate you to stick with a job. Throw on some tunes and dance while you dust. Although you might want to wait until after you've shut the blinds.
What You Need:
Dust mop (preferably with a long handle)
Step-ladder
Cleaning cloths
Small bucket with handle
Sponges
Vacuum with attachment
Gentle cleanser
Rug shampoo machine with upholstery attachment (optional)
Spot remover for upholstery or carpets (optional)
This information was found HERE.
Monday, March 15, 2010
KITCHEN
Cluttered cabinets, dusty drawers, and a refrigerator with things behind it you haven't seen since, well, this time last year, are not the components of an ideal kitchen. Revive this important room in your home with a step-by-step tutorial on Spring Cleaning the Kitchen.
Difficulty: Hard
Time Required: 1-2 hours
Here's How:
Begin with a 15 Minute Kitchen Cleanup.
This will clear out the clutter and dirty dishes, and give you room to do the actual spring clean up. Don't worry about cleaning the floors in the 15 minute clean up. We will do this later.
Dust down the ceiling and corners of walls.
Determine if the walls need washed in dirty spots. Spot wash, remembering air vents, doorknobs, doors, switch plates. Walls will likely need to be washed more often in this room than in others. You may not have noticed that the hand mixer or blender sloshed goop all over the wall. Take your spring cleaning time now to clean the grease, grime, and spilled food from your walls.
Dust and clean all art and photographs along the wall.
Be careful when cleaning framed art and photographs. Never spray cleanser or water onto the frame. The liquid can seep behind the glass and damage the pictures. Instead lightly wet a clean cloth to wipe the frame and glass.
Dust and clean the ceiling fan.
You may need to use a gentle cleanser like Murphy's Oil Soap. Take down any light fixtures and gently wash and dry them before replacing.
Take down draperies, curtains, and blinds to wash or have cleaned according to the manufacturer's directions. Vacuum and clean windowsills and corners. Wash the insides and outsides of the windows. Take down and rinse off screens, before replacing.
Apply oven cleaner to the oven and clean the refrigerator.
Leave the windows in the kitchen open to avoid the overpowering smell. Don't forget to vacuum the coils of your UNPLUGGED refrigerator. This is a great time to sweep and mop underneath it too if you can find some help to move it. Be careful of scratching your floor.
While the oven cleaner works, begin sorting through the freezer and refrigerator. Throw out any expired food, mostly empty containers, and items that you bought and never used. Put the stuff to keep on the counter. Take out the refrigerator shelves and drawers. Wash them down, being careful with glass shelves. Wipe down the entire inside of the refrigerator and freezer before replacing shelves and food. Wipe down and clean out the oven according to the directions on the oven cleaner.
Take the knobs, burners, burner covers, and spill catchers off of the stove.
Follow your stove/oven owner’s manual for information on proper cleaning methods for your model. (The one you carefully filed, when you bought the stove, just for an occasion like this.) Some stove tops lift up to allow easy access to spills and crumbs. Wipe down the entire stove.
Wipe down and clean the toaster, blender, and other small appliances.
Wipe down and clean the microwave. If the spills in the microwave are fossilized, try bring a water-filled glass cup to boiling in the microwave. The steam should help loosen the gunk. If the microwave smells, boil lemon juice. Unplug all appliances first. Don't forget the turntable.
Clean out kitchen cabinets.
Reline if needed. Remove mismatched lids and bowls. Take out anything that isn't being used on a regular basis. Reorganize and wash down the insides and outsides of cabinets.
Run the dishwasher empty.
Try adding vinegar or baking soda to the empty dishwasher before running it. If your dishwasher has a food trap in the bottom, clean it out. Wash down the outside of the dishwasher.
Wash down the counter tops in your kitchen.
Don't forget back splashes.
Wipe down and clean out any drawers.
Organize your flatware. This is a great time to install drawer dividers to better organize your kitchen drawers.
Wash down the sink.
If you have a garbage disposal now is the time to pour baking soda with warm water and/or a lemon peel down the disposal to freshen the drain. Put ice cubes through the disposal to sharpen the blades.
Sweep and mop the floors.
Don't forget baseboards. One of the best ways to get a floor REALLY clean is to use a rag or towel while on your hands and knees. If this is not an option try going barefoot and scooting a large towel around the floor with your feet. It provides more contact and pressure with the floor. Press gently, and be careful and slow. Even though this is the last step, the floor is not the best place to rest.
Tips:
Gather all of your supplies together first thing. Trying to sort through the pantry cabinet for your oven cleaner might make you frustrated enough to de-clutter the cabinet. It's easy to forget what your initial goal was.
Reward yourself by ordering in for dinner tonight. Forbid anyone to touch your spotless kitchen at least until breakfast the next morning. Any longer is probably cruel, but they can handle it overnight.
Listen to music, an audio book, or a foreign language tape. The time will pass a lot more quickly if you have an enjoyable atmosphere. This is a great time to commandeer the stereo for what you want to listen to. If anyone objects, offer to let them have a turn with the stereo and the spring cleaning.
What You Need:
Dust mop (preferably with a long handle)
Step-ladder
Cleaning cloths
Small bucket with handle
Sponges
Vacuum with attachment
All-purpose cleanser, dish soap, or mild cleanser of choice
Oven Cleaner
Shelf or cabinet liner and drawer dividers
Broom and mop or towel
This information was found HERE.
Difficulty: Hard
Time Required: 1-2 hours
Here's How:
Begin with a 15 Minute Kitchen Cleanup.
This will clear out the clutter and dirty dishes, and give you room to do the actual spring clean up. Don't worry about cleaning the floors in the 15 minute clean up. We will do this later.
Dust down the ceiling and corners of walls.
Determine if the walls need washed in dirty spots. Spot wash, remembering air vents, doorknobs, doors, switch plates. Walls will likely need to be washed more often in this room than in others. You may not have noticed that the hand mixer or blender sloshed goop all over the wall. Take your spring cleaning time now to clean the grease, grime, and spilled food from your walls.
Dust and clean all art and photographs along the wall.
Be careful when cleaning framed art and photographs. Never spray cleanser or water onto the frame. The liquid can seep behind the glass and damage the pictures. Instead lightly wet a clean cloth to wipe the frame and glass.
Dust and clean the ceiling fan.
You may need to use a gentle cleanser like Murphy's Oil Soap. Take down any light fixtures and gently wash and dry them before replacing.
Take down draperies, curtains, and blinds to wash or have cleaned according to the manufacturer's directions. Vacuum and clean windowsills and corners. Wash the insides and outsides of the windows. Take down and rinse off screens, before replacing.
Apply oven cleaner to the oven and clean the refrigerator.
Leave the windows in the kitchen open to avoid the overpowering smell. Don't forget to vacuum the coils of your UNPLUGGED refrigerator. This is a great time to sweep and mop underneath it too if you can find some help to move it. Be careful of scratching your floor.
While the oven cleaner works, begin sorting through the freezer and refrigerator. Throw out any expired food, mostly empty containers, and items that you bought and never used. Put the stuff to keep on the counter. Take out the refrigerator shelves and drawers. Wash them down, being careful with glass shelves. Wipe down the entire inside of the refrigerator and freezer before replacing shelves and food. Wipe down and clean out the oven according to the directions on the oven cleaner.
Take the knobs, burners, burner covers, and spill catchers off of the stove.
Follow your stove/oven owner’s manual for information on proper cleaning methods for your model. (The one you carefully filed, when you bought the stove, just for an occasion like this.) Some stove tops lift up to allow easy access to spills and crumbs. Wipe down the entire stove.
Wipe down and clean the toaster, blender, and other small appliances.
Wipe down and clean the microwave. If the spills in the microwave are fossilized, try bring a water-filled glass cup to boiling in the microwave. The steam should help loosen the gunk. If the microwave smells, boil lemon juice. Unplug all appliances first. Don't forget the turntable.
Clean out kitchen cabinets.
Reline if needed. Remove mismatched lids and bowls. Take out anything that isn't being used on a regular basis. Reorganize and wash down the insides and outsides of cabinets.
Run the dishwasher empty.
Try adding vinegar or baking soda to the empty dishwasher before running it. If your dishwasher has a food trap in the bottom, clean it out. Wash down the outside of the dishwasher.
Wash down the counter tops in your kitchen.
Don't forget back splashes.
Wipe down and clean out any drawers.
Organize your flatware. This is a great time to install drawer dividers to better organize your kitchen drawers.
Wash down the sink.
If you have a garbage disposal now is the time to pour baking soda with warm water and/or a lemon peel down the disposal to freshen the drain. Put ice cubes through the disposal to sharpen the blades.
Sweep and mop the floors.
Don't forget baseboards. One of the best ways to get a floor REALLY clean is to use a rag or towel while on your hands and knees. If this is not an option try going barefoot and scooting a large towel around the floor with your feet. It provides more contact and pressure with the floor. Press gently, and be careful and slow. Even though this is the last step, the floor is not the best place to rest.
Tips:
Gather all of your supplies together first thing. Trying to sort through the pantry cabinet for your oven cleaner might make you frustrated enough to de-clutter the cabinet. It's easy to forget what your initial goal was.
Reward yourself by ordering in for dinner tonight. Forbid anyone to touch your spotless kitchen at least until breakfast the next morning. Any longer is probably cruel, but they can handle it overnight.
Listen to music, an audio book, or a foreign language tape. The time will pass a lot more quickly if you have an enjoyable atmosphere. This is a great time to commandeer the stereo for what you want to listen to. If anyone objects, offer to let them have a turn with the stereo and the spring cleaning.
What You Need:
Dust mop (preferably with a long handle)
Step-ladder
Cleaning cloths
Small bucket with handle
Sponges
Vacuum with attachment
All-purpose cleanser, dish soap, or mild cleanser of choice
Oven Cleaner
Shelf or cabinet liner and drawer dividers
Broom and mop or towel
This information was found HERE.
Thursday, March 11, 2010
Spring Cleaning
Well, Spring Time is coming sooner than we think, and with that comes the dreaded Spring Cleaning.
Since homes are our specialty, we decided to dedicate all next week to helping you clean out the gunk, room by room.
But, just to kick things off, here is a little spring cleaning checklist to get you in the mood.
Friday, March 5, 2010
What is a Short Sale?
By: Roby Pagong
Most homeowners today are turning to short sale in order to avoid foreclosure. This gives them the chance to pay off their loan and move on. However, how does one apply for such? What are the things they need to prepare and what happens if the lender rejects the short sale proposal?
A short sale takes place when the property’s value is lower than the remaining mortgage balance. The homeowner at this point can present a short sale package to the lender and see if he gets an approval. The approval of the lender is necessary because he will surely lose at the arrangement. Approving the package would mean that he will accept a discounted payment for the amount owed.
If you want to get an approval, you need to have a very good package. You should first have a hardship letter. This should indicate the reason why you are no longer able to make the monthly payments. It could be because of growing medical expenses. You may also have encountered death in the family. You can also indicate that you lost your job. Make sure that you attach the supporting documents.
In addition to that, you should also present an offer from the buyer. Make sure that all the requirements needed for the package is complete. Call your lender ahead of time to ask about the other requirements. You need to be familiar with all your documents so that you can convince the mitigating officer during your meeting. For most lenders, short sale is the last option. If they could earn more if they foreclose your property, then they will.
Most lenders will reject short sale package because of the offer made by the buyer. If the lender thinks that your property is worth more than what you claim, he will send a broker to check the property. If he is right about the value, your package will surely be rejected. To prevent this, make sure that the value presented is reasonable. Make sure that you are there when the broker checks your property. You can walk him through the house and present the documents concerning the repairs made on your property.
What happens if the lender rejects your proposal? Well, try again. However, this time, make sure that you have better offer. Ask your buyer to make a higher offer. If your buyer refuses, look for another buyer who can offer a better value.
For buyers, bear in mind that foreclosure is a tedious process and may take months before the closing takes place. This is why you have to be very patient. You can help by making a good offer. See to it that the value you are offering is suitable for the property.
Short sale is a good option if you are in threat of foreclosure. However, you have to make a good short sale package to convince the lenders. If your package gets rejected, try it again. This time around, talk to your buyer to increase the offer. If not, look for a buyer who can make a better offer.
Article From Real Estate Pro Articles
Thursday, March 4, 2010
Minimize Electric Bills
By: Fredrica Smith
Economic recession and environmental degradation are the two issues most individuals and families face today in any country. You can deal with these issues by starting right in your own home. You have to focus on your home essentials that they are working efficiently. For one, you can start by evaluating the efficiency of your air conditioner, regardless of its type.
Recent studies reveal that the biggest chunk of electricity consumption in many households can be attributed to heating and cooling costs. This can be brought about by the poor maintenance of the HVAC systems and facilities. Dirt that is accumulated in the equipment can affect the proper circulation of cool or hot temperature indoors. Such condition pushes your equipment to work doubly hard. And for it to do that, it has to consume twice as much as the total wattage per meter reading. This is the common case experienced in areas with hot temperatures. The tendency of most homeowners living in such areas is to operate their AC units almost the whole day non-stop. This then would lead to sky-high power bills. In order to have some savings, here are some suggestions in making your air conditioner units function efficiently:
Filters should always be cleaned. This component is found in a different part according to the AC type. Room air conditioners have the filter in the grill facing the room. Central air conditioning systems have filters along the ducts. Check if your unit has replaceable filters. These can be bought from AC wholesale and retail stores. Remember that the longer time frame the unit is turned on, the more dirt it can accumulate. Changing the filter at least once every two months would do your unit good. Reusable filters should be dusted weekly.
Other components that collect dirt are the evaporator and condenser coils. These components would only work well depending on the maintenance of the filters. Therefore, if the filter is dirty, the coils would be in that condition too. An annual checking of the coils would be preferable for its safeguarding. If you have air conditioner units that have outdoor condenser coils, you have to make sure that these are free from dust particles, leaves and other debris. This is because the unit itself is exposed to outdoor environment. Moreover, aluminum fins in the coils are further components that gather dirt easily. A fin comb can be used to clean this area.
The condensate drain should also be evaluated that it is not clogged. This component contributes a lot to manner of the whole unit how it reduces humidity inside the room. And there will be excessive moisture once its channels are blocked with dirt. You might face problems of staining on your walls or floor due to the dripping moisture. A thin stiff wire can be used to poke the drain channels for you to be able to see if there is any formation of blockage. If such is the case, you can use a wet dry vacuum to free the drain from any dirt.
An easy alternative through replacing your present air conditioner would save you a great deal of effort and time. There are newer energy saving AC types that promise lower electric consumption and even minimized absorption of dirt. Upon purchase of this unit, you can also take advantage of tax benefits awarded to homeowners who use energy efficient appliances and equipment. Inquire in your local area whether such remuneration is available.
Some homeowners may deem that the air conditioner is just a miscellaneous home item. But the benefits it can give you when it is efficiently working are massive. Try out the above said tips. You can surely enjoy lowered electric bills and even help improve the condition of the environment.
Wednesday, March 3, 2010
Tuesday, March 2, 2010
The Difference between FHA and Traditional Loans?
By: Rose B
Are you planning to get a home loan that would support your home purchase? If you are planning to do this, you should know everything you need to learn about processing application. You should also start learning available mortgage options in the real estate industry. Your knowledge will guide you all throughout the process of getting a mortgage and having an approval from your lenders.
What kinds of plans are available for borrowers like you? These are the FHA and Traditional loan types. Evaluating which of them suits you would be simpler once you understand the difference between them. Read this article and try understanding their unique features and characteristics.
Characteristics of an FHA Loan
Accredited federal agents usually issue an FHA loan. The Federal Housing Administration backs it in order to ensure that more borrowers get a chance to secure mortgage approvals. The government designed this program to help more citizens get the chance of fulfilling their American dream.
Since it is supported by such agencies, applicants get more chances of securing this loan type. It has lenient policies when it comes to screening candidates. It does not judge a person by his credit history. An individual who experienced bankruptcy or foreclosure can still qualify for it after at least two to three years.
Aside from this, people who do not have the capacity to pay large chunks of down payment also prefer this mortgage type. It requires at least 3.5 % of the down payment, so they would not have to worry about having problems with initial fees.
Characteristics of a Traditional Loan
A traditional loan is widely accepted by most borrowers and home buyers. It has been around on the market for a long time, so more people trust its reliability. However, applying for a conventional loan is not as easy as it may seem. It actually uses strict and firm screening processes to evaluate candidates. Those who do not have good credit histories will have a hard time in trying to qualify as credible borrowers.
It also asks for higher amounts of down payments. It usually requires at least 20% of the entire fee. If borrowers cannot pay for it, the entire application process will be terminated.
An applicant who passes the screening test can choose from fixed and adjustable mortgage rates. Both of these loan types have different pros and cons, so it can be advantageous to some cases while being disadvantageous to others.
Choosing between them
Two main characteristics separate FHA and Traditional loans. Such characteristics fall under the category of required down payments and interest rates.
FHA Loans require smaller down payments. Unlike traditional mortgages, it requires borrowers to pay only 3.5% of the property upon the approval of an application. If you can pay for 20% initial fees, you can choose conventional ones over those issued by the FHA. However, if you can only make a small percent of the property value, choose those issued by the Federal Housing Administration.
When it comes to interest rates, an FHA loan presents better options. Lenders get insurances from the HUD so they can negotiate lower interests. The government also tries to regulate this in order to encourage more buyers to buy houses and acquire loans. Meanwhile, non-federal conventional mortgages have significantly higher interest rates.
Now that you know what sets traditional loans and FHA loans, you can start making an informed decision before entering the application process. Pick the mortgage program that undeniably suits your needs and characteristics.
Monday, March 1, 2010
Cooling Your Home without Using the AC
By: marco benavides
There are some excellent tips that you can follow for cooling your home without using AC. In essence, the idea is simply to reduce the sources of heat into the home, and then trying to get rid of the heat built up inside.
Among the tips that you can consider is cutting down on the amount of heat transfer through the walls and attic. If the walls and attic are not properly insulated, they will allow more heat transfer and your home will be hotter in the summer and cooler in the winter than it should be.
Check to see whether your walls and attic are under or over-insulated, and cut back on the heat transfer. If you take this simple step, you will get the greatest change in the comfort level in the house for the least cost, and this is always a win-win situation.
You can also install staple a foil radiant barrier to the underside of the roof rafters in the attic, creating an air space between the roof sheathing and the foil, which will keep your home cooler. When you staple the foil to the rafters, place them about three inches apart, place the seams of the foil sheets centered on the rafters, and seal the seams with caulk to prevent heat from seeping through.
You can add some inexpensive, heat-reflecting film to the windows and cut down on the glare and the UV rays that damage the furniture. You will also be cooling the home in the process, when you add the film to the windows that face the sun.
In a hot climate, the most effect film that you can use in sun-control, but it will also have the effect of making everything darker inside. In very cold climates, you can opt for combination film, but keep it away from windows facing south because you will want the warmth of the sun to filter in during winter months.
You should also control your daily activities so that you do not cook, shower, take a bath, cook, wash, dry, bake and/or cook during the heat of the day. All of these activities generate heat, some of them generate humidity, and the effect is that your home will be that much warmer during the heat of the day.
If you have electrical appliances that generate heat, try to limit their use during the warmest part of the day so that you do not add to the heat that is already being felt. You should also limit the use of these appliances to the evening, when things begin to cool off.
If your home is particularly humid, you should also look into purchasing dehumidifiers. A home that is really humid will be a health hazard because it will be a breeding ground for mold and fungus, which can be really detrimental to your health.
Additionally, all that extra humidity will cause your home to feel that much hotter and much more oppressive than it should be. Therefore, follow these simple tips, and you can make your house a lot cooler, without resorting to using the AC.
Tuesday, February 23, 2010
Buying a New Home vs. Buying an Older Home
When purchasing a home, you have two choices, buy a home that is already built, or build a new home. They both have their advantages and drawbacks, and hopefully I can give you some insight into the advantages/disadvantages of both. I have been selling homes in Logan, Utah for the last 9 years, this is some expertise I have gathered along the way.
Advantages of buying an older home:
Larger Building Lots - With the amount of land available dwindling by the day, homes that were built years ago come with bigger lots. This especially holds true in larger cities, the bigger the city, the less room there is to build. If you want a bigger lot, most the time you are going to have to live in the country, and the price of land is only going to go up.
Price Per Square Foot - In older homes, unless they have been updated, usually come at a cheaper price per square foot. If you want more home for the money, buying an older home, and updating it yourself could be a sound investment.
More Character – Older homes come with character, and I have noticed when selling homes, younger couples like older homes because of the character. They feel more rustic and an older home feels comforting, it makes you feel like your back home when you were younger.
Mature Trees And Vegetation – Older homes have had time to settle in and the landscaping is well into it’s prime. An older home with large trees, mature plants, and a well groomed yard can create great value.
Disadvantages To Buying An Older Home
Maintenance - As a home ages, appliances age to, as well as other things. If you want your home to maintain value over time, it’s key to keep up on routine maintenance, and if you don’t, you could see your home falling apart before your eyes. No one likes a leaky roof and adding new shingles is one part of routine maintenance.
Wiring And Plumbing – Depending on how old a home is, these two key elements to a home could become a major nuisance. If you buy an older home with bad plumbing, leaky pipes, or frayed/old wiring, you could expect yourself to put a lot of money into fixing these problems.
Outdated - When buying an older home, if you want to resell it, you are probably going to have to do some updating to get a good price. In today’s real estate market, it’s very competitive, and an outdated home is extremely hard to sell. (However, an outdated home that is updated can create some instant equity if done right.)
Advantages To Buying New Construction
Less Maintenance - One of the main reasons to build a new home is the maintenance factor, you won’t have to worry about putting up new shingles or buying a new furnace anytime soon.
Warranties – Most states have a warranty program that requires builders to warrant their work for a certain number of years. In a new home the appliances should all have a warranty on them as well, so if something does go wrong, it shouldn’t be an out of pocket expense.
Modern/Up To Date - Most new homes come with all the fixings, new appliances, air conditioning, modern cabinetry, and new carpet. Newer homes are also held to a higher code that wasn’t around when some older homes were built. As they say, newer homes are more “Green” then older homes.
Energy Efficient - Speaking of Green homes, new homes come with newer appliances, which are more energy efficient. A new home will also have newer insulation which will make the homes themselves more energy efficient.
You Get What You Want – When building a newer home, probably the biggest advantage is customization. You get to choose if you want upgrades, what upgrades you want, and how the home will look; including floor plans, exterior, interior, and the landscape.
Disadvantages Of Building A New Home
Conformity – A lot of newer homes look similar, especially if they were built by the same builder, or in the same community. A lot of builders have a few homes they build, and they just add little things to them to make them look different, but the floor plans are generally the same.
Immature Trees And Vegetation - The last thing to be added to a new home is the landscaping, and sometimes people don’t plan for it. I have seen people build new homes, and not get around to the landscaping for years after the home was completed.
Time And Money – Building a home takes time, unless your using Extreme Home Makeover, it’s going to take months to build your new home. Building a new home can also have unseen costs, which is why it’s important to pick a reputable builder that won’t add extra costs during the construction of your new home.
Finding A Great Lot - After you decide you want to build a home, you will have to find land to put it on. Great lots are expensive, and finding one that is within your budget that has a great location can be tough.
Whether you’re looking to buy a new home or an older home, do your home work, and find a good builder/real estate agent that is going to look after your best interests. Good Luck!
Article written by Lisa Udy. We found it HERE.
Advantages of buying an older home:
Larger Building Lots - With the amount of land available dwindling by the day, homes that were built years ago come with bigger lots. This especially holds true in larger cities, the bigger the city, the less room there is to build. If you want a bigger lot, most the time you are going to have to live in the country, and the price of land is only going to go up.
Price Per Square Foot - In older homes, unless they have been updated, usually come at a cheaper price per square foot. If you want more home for the money, buying an older home, and updating it yourself could be a sound investment.
More Character – Older homes come with character, and I have noticed when selling homes, younger couples like older homes because of the character. They feel more rustic and an older home feels comforting, it makes you feel like your back home when you were younger.
Mature Trees And Vegetation – Older homes have had time to settle in and the landscaping is well into it’s prime. An older home with large trees, mature plants, and a well groomed yard can create great value.
Disadvantages To Buying An Older Home
Maintenance - As a home ages, appliances age to, as well as other things. If you want your home to maintain value over time, it’s key to keep up on routine maintenance, and if you don’t, you could see your home falling apart before your eyes. No one likes a leaky roof and adding new shingles is one part of routine maintenance.
Wiring And Plumbing – Depending on how old a home is, these two key elements to a home could become a major nuisance. If you buy an older home with bad plumbing, leaky pipes, or frayed/old wiring, you could expect yourself to put a lot of money into fixing these problems.
Outdated - When buying an older home, if you want to resell it, you are probably going to have to do some updating to get a good price. In today’s real estate market, it’s very competitive, and an outdated home is extremely hard to sell. (However, an outdated home that is updated can create some instant equity if done right.)
Advantages To Buying New Construction
Less Maintenance - One of the main reasons to build a new home is the maintenance factor, you won’t have to worry about putting up new shingles or buying a new furnace anytime soon.
Warranties – Most states have a warranty program that requires builders to warrant their work for a certain number of years. In a new home the appliances should all have a warranty on them as well, so if something does go wrong, it shouldn’t be an out of pocket expense.
Modern/Up To Date - Most new homes come with all the fixings, new appliances, air conditioning, modern cabinetry, and new carpet. Newer homes are also held to a higher code that wasn’t around when some older homes were built. As they say, newer homes are more “Green” then older homes.
Energy Efficient - Speaking of Green homes, new homes come with newer appliances, which are more energy efficient. A new home will also have newer insulation which will make the homes themselves more energy efficient.
You Get What You Want – When building a newer home, probably the biggest advantage is customization. You get to choose if you want upgrades, what upgrades you want, and how the home will look; including floor plans, exterior, interior, and the landscape.
Disadvantages Of Building A New Home
Conformity – A lot of newer homes look similar, especially if they were built by the same builder, or in the same community. A lot of builders have a few homes they build, and they just add little things to them to make them look different, but the floor plans are generally the same.
Immature Trees And Vegetation - The last thing to be added to a new home is the landscaping, and sometimes people don’t plan for it. I have seen people build new homes, and not get around to the landscaping for years after the home was completed.
Time And Money – Building a home takes time, unless your using Extreme Home Makeover, it’s going to take months to build your new home. Building a new home can also have unseen costs, which is why it’s important to pick a reputable builder that won’t add extra costs during the construction of your new home.
Finding A Great Lot - After you decide you want to build a home, you will have to find land to put it on. Great lots are expensive, and finding one that is within your budget that has a great location can be tough.
Whether you’re looking to buy a new home or an older home, do your home work, and find a good builder/real estate agent that is going to look after your best interests. Good Luck!
Article written by Lisa Udy. We found it HERE.
Monday, February 22, 2010
Thursday, February 18, 2010
Second Happiest People
We really liked this article Second Happiest People. Utah is a great place to be!
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