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Invest Your Tax Refund in Your Home

Monday, March 23, 2020
by Scott Darling


A recent survey by Credit Karma shows that “46% of respondents expect to get refunds of more than $1,000 in 2020 (for their 2019 taxes)...” Now, we won’t get into the financial sense of tax refunds, but if you are one of that 46%, and you’re planning on doing some homework with your refund, here are a few suggestions on how best to spend that money! 

 

$1,000 or Less 

  • Add or improve your front walkway.  Whether you plan on putting your home on the market soon or not, a new walkway will improve the curb appeal.  

  • Replacing the front door is an expensive job, but you can create a whole new look for the front exterior of your home just by having a new front entranceway. 

  • Install new light fixtures, especially if you’re tired of the builders-grade fixtures. If you shop smart, you can get stylish new flush-mount lights for every room. 

  • Do a minor bathroom renovation:  replace the toilet, faucets, and lights, and give the tub/shower a makeover with a refinishing kit. 

  • Paint the kitchen cabinets, replace the hardware, and add a tile backsplash. You won’t believe what a difference those three minor renos will make! 

  • Upgrade one appliance - kitchen appliance.  

 

$1,000-$2,000 

  • Any repairs that you’ve put off because of cost should be done before any improvements to renovating is done. Protecting your investment is more important than new bathroom tile. 

  • If your front lawn is a black canvas, hire a landscape designer to create some improvements.  

  • Have your “popcorn” ceilings removed by a pro and add new crown molding.  

  • Tankless water heaters, whether you choose whole-house or single-point, are worth the investment as you’ll see a difference in your electric bills. 

  • If you’re handy, you can take on a DIY job and save money: paint your home’s exterior, install new flooring, add wainscoting, or install kitchen countertops. 
     

As much as you’d like to see something physical after spending your tax refund, paying any accumulated debt down or investing it will pay you back in the long run. Check out these ideas from Investopedia,  and take off some of that financial load you may be bearing! 

 

Courtesy of Chester County PA Realtor Scott Darling.

 

Photo credit: the money pit 

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New Year Resolutions for Chester County PA Homeowners

Tuesday, January 14, 2020
by Scott Darling



 

New year, new you, right? Oh, we all seem to resolve to eat healthier, lose weight, kick dirty habits and all kinds of other things, but by the end of February, we find ourselves just trying to remember what our resolutions were, much less actually sticking to them! Homeownership is the same way--we start out with big ideas of what we’ll be doing to maintain it, then life gets in the way, and we fall short.  Get started with this guide: 

 

  • 1. Having an energy audit performed on your house will help you save not only energy but money, too. 
     

  • 2. Your dryer’s lint trap should be cleaned routinely after each load, but your vent and vent tubing should be cleaned at least annually.  Removing as much lint as you can helps dry your laundry faster and reduce the risk of fire. 
     

  • 3. Home security systems aren’t foolproof against hackers, and neither are smart home accessories.  Change passwords frequently, and don’t reuse passwords.  To make it even more difficult to hack, use two-factor authentication.  
     

  • 4. The Family Handyman has several tips for keeping the yard and yard tools in tip-top shape. 

  • Resolve to cut the clutter in your house. While the temps are cool, and you’re spending more time inside anyway, take one room in your home per week to clean out and clean up. 
     

  • 5. Repair the little things that you overlook because they’re not necessarily a safety issue:  doorknobs that aren’t working, dripping faucets, or squeaky floors. Fix now to save you from something bigger happening and costing you more later. 
     

  • 6. Get your personal finances in order!  Commit to saving money, not only in the literal sense, but get the best rates on insurance, or consider refinancing your mortgage. NerdWallet has some great tips for building equity in your home. 
     

  • 7. Print out this free home checklist, and you won’t miss a thing each season! 

 

Find a good balance of taking care of home and taking care of you and your family.  Don’t spend every spare minute maintaining your home. Some projects can combine family and work time, like a big cleaning job, or yard work.  As important as it is to keep up your home, it’s important to keep up with family as well. 

 

Courtesy of Chester County PA Realtor Scott Darling.

 

Photo credit: summit mortgage corp

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Get Your Kids Involved in DIY Home Projects!

Wednesday, October 9, 2019
by Scott Darling


Many people assume that children and home projects don’t go together, but why not?  Oh, sure, electric tools and saws don’t necessarily need to be handled by young ones, but there is so much more than can help you with than a major remodel!   

 

  • - Start simple:  cleaning is probably the easiest way to begin engaging your children in home-keeping.  Most love to sweep, dust, vacuum and help with dishes. 
          

  • - Little ones are naturally curious about what’s outside, so gardening can be a lot of fun, as well as being educational.  Not only can they assist with planting projects, but even preschoolers can be handy with a rake or help with weeding. 
     

  • - When you’ve decided that your walls need new paint, sit down with the color chip cards, and let them help you decide on color.  Painting the sample swatches on the wall is a great way to introduce a paintbrush or roller, and simple techniques. 
          

  • - Planning on purchasing a furniture kit?  Let the children help build it; learning how to follow directions that use symbols and handling simple tools is a great start to working those motor skills in a new way. 
     

  • - Any small repair--tightening drawer pulls, replacing a door handle or sink faucet--can easily involve any age child.  Give them an age-appropriate job, such as passing needed tools, shining a flashlight or using simple tools under your watchful eye. 
     

  • - Putting up new curtains or hanging decor on the walls are great ways to teach school-age kids about using a level or measuring tape.  Math skills in DIY?  Absolutely! 
     

  • - Do you perform your car maintenance?  Everyone should know how to check the oil and other fluids, as well as tire pressure.  Showing your children that keeping the family car in good running condition is as necessary as taking care of the house! 

 

Get your family excited about helping, have patience, and keep them safe while you’re working.   You’ll find that while you’re spending time with them, those DIY jobs will start them on a journey of learning how to be a good homeowner and a handy one at that! 

 

Courtesy of Chester County PA Realtor Scott Darling.

 

Photo credit: plumbzebra

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Emergency Home Generator Basics

Thursday, September 12, 2019
by Scott Darling


Advertisements for full-house generators make you wonder if you really should invest in one, despite the high cost.  Having your home in full power during an emergency would be a comfort, but are they worth it?  There are less costly options out there, but only you can decide what’s best for your home and family. 

 

Portable Power 

  • - Portable generators are great for providing electricity to essentials:  lamps, refrigerators, freezers, fans or plug-in heaters. 

  • - Most are fueled by gasoline, and the tank must be filled as it runs, so there is a bit of labor involved.   

  • - The engines on portable generators are noisy (think lawn mower noise).   

  • - Generators that run via a solar panel are available, and the technology is getting better, but the initial cost is higher.  Keep in mind that you’ll save on fuel expenses in the end. 

  • - Prices vary with how many kilowatts you’ll need, and your budget should include enough for appropriate extension cords for each device you plan on connecting to the generator. 

 

Stand-By Energy 

  • - In order to provide power to everything in the house, including HVAC, a stand-by whole house generator is the best choice, as it will be connected to your home’s electrical system. 

  • - A stand-by system can be fueled with natural gas, propane or diesel fuel.  These types of units run more quietly than the portables and are fuel efficient. 

  • - Whole house units will cost the most, as they are ready to go almost the instant you lose utility power, require professional installation, and possibly local permits.   

  • - Installation should be done by a certified electrician, and some offer a package deal that includes the unit and installation in one price. 

 

Whatever type of generator you choose, get the size and type of generator that meets your needs, not exceeds them. There’s no need to waste money!  If you’re unsure of  just how much energy you’ll need, ask-the-electrician.com has some helpful information as well as a sizing  calculator.  Though you’ll only need it during emergencies, you want to know that you’ve made the right choice for your home, your needs, and your wallet. 

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: Lowes

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Get Your Home in a Good Mood!

Wednesday, September 4, 2019
by Scott Darling


Hopefully, walking in the door of your home after a long day at work starts turning off the stressors of the day so you can recharge for the next.  If there is anything about your house that doesn’t give you a good feeling, it may be time for some redecorating!  Here are 6 things you can do to create a comfortable atmosphere at home: 

 

  • - An unkempt yard or dirty, cluttered home can keep us feeling stressed and overwhelmed.  Once a room is cleaned, and piles of mail or schoolwork is organized, try to keep it that way.  If yard work is getting you down, find an affordable landscaping company or neighbor to get the grass mowed, leaves raked, or flower beds weeded. 
     

  • - You may not have had time to paint or do small redecorating projects when first purchased the house, and that outdated wallpaper or color is bringing you down. Color influences us, so when you are dreaming of Tiffany blue dining room walls, but yours are hunter green, take a weekend to get it done!  
     

  • - Light is so important to how we feel!  Keep shades and blinds open to allow sunlight to shine in, and that’s free!  Spending a little to improve poor lighting in a room with lamps, sconces and brighter bulbs is a mood-booster, as we are naturally drawn to light.  Add inexpensive battery-operated LED lighting to the underside of kitchen cabinetry, bookshelves and china cabinets. 
     

  • - According to Healthline, plants can boost our mood and provide many other benefits!  Where real plants aren’t practical, faux greenery will do, and it never needs watering. 
     

  • - One thing that can cause issues is keeping something on display that isn’t everyone’s favorite.  If there’s anything in a room that gives anyone a bad feeling or brings up memories they’d rather forget, remove it.   
     

  • - Aromatherapy is certainly a current trend, but scents do affect us in many ways.  There are so many ways to add a pleasant aroma to your home, so choose the most convenient method, along with a couple of different scents you love, and use them.  When you get used to smelling one, change it out with another.   

 

Finally, and most importantly, decorate with items you love.  Home shouldn’t be making you feel stressed, so hanging a piece of art that was a bargain, but you never really liked, isn’t a good bargain.  Walking into your home filled with things that bring you joy or peace--well, there’s no substitute. 

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: livehappy.com

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8 Things Chester County PA Homeowners Should NOT Be Doing

Friday, August 2, 2019
by Scott Darling


Homeowners know that to-do lists are almost always too long, but what about don’t-do lists? Whether you’re a first-time homeowner or have been in your home for ten years, here are a few things you shouldn’t be doing: 

 

  • - Testing the smoke detectors incorrectly:  sure, the battery needs to be checked, but so does the smoke detection.  Light a match, preferably a kitchen match, and blow it out, holding it next to the detector.  If the alarm sounds, great; if not, replace the battery.  You may need a new smoke alarm. 
     

  • - Using incandescent light bulbs:  LED and fluorescent light bulb technology is getting better aesthetically speaking, so the extra cost to replace your incandescent bulb will make up for itself in the end.  You won’t be buying new ones for at least one year, plus your energy costs will decrease. 
     

  • - Keeping the old thermostat:  replace it with a programmable, or even better, a smart thermostat.  You will notice a difference in your electric bill! 
     

  • - Not checking gutter guards:  gutter guards are great for keeping leaves, larger twigs or pine straw from clogging the gutters, but dirt, seeds, as well as other smaller materials can still get in and cause problems.  Check your gutters at least every six months. 
     

  • - Ignoring your roof:  just because you’re not seeing it up close and personal every day, doesn’t mean it doesn’t need inspecting occasionally.  Learn more about how to be kind to your roof here.
     

  • - Setting the mower to the lowest cut:  cutting your grass too far down can cause it to die.  It will not keep you from mowing less!  Cutting the grass 1-3 inches in length will keep it beautifully green. 
     

  • - Planting trees close to the house:  small trees that can reach thirty feet in height should be planted ten feet or more away from your house, while taller trees need to be at least thirty feet away. 
     

  • - Watering the landscaping in the evening:  your way to relax after a long day may be gardening but giving your plants a drink in the evening can cause mildew and other fungi to grow.   

 

Keeping these don’t-do’s in mind will help you save money, besides keep your home safe and in good living condition!  Also think of it as less to do, thus freeing up your time to enjoy being home with your family. 
 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: desertsunsnm.com

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Renovations and Your Homeowners Insurance

Tuesday, May 14, 2019
by Scott Darling


Making the decision to renovate any room in your home comes after a lot of thought and planning, but don’t forget that changes in your home can create changes in your homeowner’s insurance.  Whether the renovations lower or increase the payment depends on the job, so we’re going to look at how a remodel can affect your wallet: 

 

  • Additions:  Whenever you add square footage to your home, your policy will need to be upgraded, likely increasing your premium. 
     

  • Converted Space:  Turning your garage into a home theater or creating a master suite from your attic space may not require changes to the policy if the square footage is already covered, but as replacement value has changed, you will want to increase your coverage. 
     

  • Home System Upgrades: Improving electrical and plumbing systems can lower your premiums, as upgrading them can make your home safer from incidents relating to fire and leaky pipes. 
     

  • Pools:  Installing a pool or hot tub in your backyard will add to the replacement value of your home, and you’ll need to increase liability coverage to protect yourself in case of any accidents.
     

  • Roofing:  A new roof can lower your premium, especially if you upgrade it to the latest standards of protecting your home from natural disasters. 
     

  • Security Systems:  According to Safewise, adding a home security system could lower your homeowners premium by 20%.   
     

  • Solar Panels:  You will want to talk to your insurance agent before installing solar panels to your home.  They may require a separate policy, depending on how they are mounted, which would add to your budget.  
     

  • Upgrades:  Whether you use top-quality building materials for your renovation, upgrade the finishes in your home, or install state-of-the-art appliances in the kitchen, you’ll need to change your policy to reflect the replacement value. 

 

Making changes to your home improve your quality of life in many ways, but it may come at a cost.  Protecting your investment is worth it in the end, but you want to be prepared for anything that will add to your monthly budget. Schedule a meeting with your insurance agent before beginning any major changes in your home so you won’t be surprised when your payment increases. 

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: coldwellbanker.com

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Home Projects By Seasons

Wednesday, April 10, 2019
by Scott Darling


Thinking about doing some home improvements?  Whether it’s a kitchen or bathroom remodel, a whole-house painting, or floor refinishing, there’s a time of year when these jobs are easier to get completed, mainly because of how the weather affects not only construction, but the quality of the finished product as well.  Find the project you’re considering, and see when it’ll be the right time to get to work:  

 

Additions, because of needing a new foundation, could be started in late Winter/early Spring when the ground is still cold and more compact.  It makes for better digging and concrete pouring and setup. 
 

Exterior door replacement would be convenient any time except Winter, just in case there are any issues and the doors aren’t a quick switch. 
 

Exterior painting, for many reasons, is a better idea in early to late Summer, when temperatures are above fifty degrees. 
 

HVAC work, in non-emergency situations, should be done in the off seasons--new heater in warm months, air conditioning before it’s sweltering outside. 
 

Interior remodeling like kitchen and bathroom redo’s, can be done practically any time.  The main thing to keep in mind here is warm months are busier for contractors, and that can mean a job done in a hurry, or higher prices. 
 

Outdoor projects, even though a popular time for construction is the warmer months, should be started in late Winter, simply because you want to be able to spend your Summer enjoying your new outdoor space! 
 

Refinishing hardwoods is probably best completed during the times of year when humidity is low for the best finish, and so windows can be opened to allow air circulation to help get rid of any associated odors. 
 

Roofing, believe it or not, may get better results in hot months of the year, as the most common materials used will need warm temps for the best performance. 
 

Window repair/replacement is managed well during warm months or when frequent rain isn’t a factor. 

 

Keep in mind that Spring and Summer are busiest time for contractors.  If you are hiring your job out, the process should be started long enough in advance that you don’t have to be put on a wait list.  On that same note, during slower months, a contractor may give you a deal on the work, because there aren’t other jobs to be done, and you get their full attention!  Planning is key for a smooth finish on any project, any time of year. 

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: servicewhale.com

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Sprucing Up a Small Bathroom

Thursday, February 28, 2019
by Scott Darling


The poor, lowly bathroom.  Many of us don’t really know how to decorate it short of hanging a pretty shower curtain, because there’s very little room for improvement. Or so we believe. Let’s look at some ideas to make a small necessary room a more attractive place to visit: 
 

  • - Just because the room is small doesn’t mean the walls have to be white.  Paint in a color you love, bold or pastel, or wallpaper that makes a statement is as appropriate for a small room as a large one. 

  • - A small bathroom means smaller-sized fixtures and splurging on a nice cabinet or sink won’t hurt the pocketbook as much, while adding style. 

  • - Contrasting shower tile is a great way to add color to a bath and gives you a reason to keep the curtain pulled back, opening up the space, and showing off your colorful shower! 

  • - If your small bath or powder room doesn’t have a window, use decorative lighting for your focal point, and add wall sconces on the wall over the toilet, and on either side of the mirror. 

  • - Floor covers, and adhesive tile is simple to install, is available in endless designs and colors, and can be the feature for your small bathroom.   

  • - When new tile, paint, or wallpaper isn’t in the budget, add color through your accessories. Brightly colored curtain or shade, rug, and artwork can make the room. 

  • - Since most small bathrooms don’t have a lot of storage, you have to be creative and practical, or use functional decor.  Check out these bathroom storage ideas from Good Housekeeping. 

  • - Weekend warriors or those who are confident enough in their skill level can create recessed shelving with this how-to from DIY Network.  If you like the idea but lack the skills, call a reputable carpenter to handle this small job. 

  • - Large mirrors aren’t just for large bathrooms; using them in your small bathroom helps bring in the light, making the room appear larger. 

  • - Keep the less-is-more attitude when adding things to a small bathroom; a small plant, soap, and hand towel are all you need on the counter. 

 

Not only can you make your little bathroom stylish, you can cut down on clutter and keep it organized for smoother mornings or guest use.  Don’t think of this project as a challenge, look for inspiration, and it may end up becoming your favorite retreat! 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: Pinterest.com

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Choosing a Home Security System for Your Chester County PA Home!

Thursday, February 7, 2019
by Scott Darling


The home security business is booming, and with so many different brands, subscriptions, and DIY systems, it’s hard to decide what’s right for you and your home.  Let’s take some confusion out of the process with these tips and suggestions: 

 

  • - First, decide on whether you need round-the-clock monitoring, or if you want to keep an eye on things yourself using your smart phone. 

  • - Major strides have been made over the past few years with third-party monitoring systems, and many companies offer apps for your phone so that you, as well as the company, can watch over things. 

  • - Most monitoring companies offer a free trial period as well, some up to 30 days.  If you’re not happy, you don’t have to commit to their service and worry about extra fees if you cancel before the trial period is up.  Ask before you commit. 

  • - If you’re a renter, and worry about the permanent installation, most companies are offering wireless sensors and cameras that can be moved as you move. 

  • - For the DIYer, you or someone you know should be comfortable with setting up your system, not only the physical installation, but connecting it to your home’s internet or home management system. 

  • - Safewise.com ranks their favorite 24-hour, monthly fee-based systems, and gives you all their pros and cons for each company. 

  • - Find the self-monitoring system that will work best for you with safehome.org‘s top systems, as well as their highest-ranked third-party systems. 

  • - Is there an elderly person in your life that lives alone?  Consider purchasing a security system for them, and Safe Home offers their favorites for ease-of-use and cost. 

  •  

There have been so many improvements to home security systems to accommodate busy families and the ease-of-use for setting and deactivating the alarm system as you come and go, you can find a system that best fits not only your home’s needs, but your family’s needs as well.  If you decide on a third-party service, make sure you budget accordingly, since there is a monthly fee, and usually a cancellation fee if you change your mind mid-contract. 

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: krislindahl.com

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