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Tax Tips for New Homeowners in Chester County, PA

by Scott Darling

It’s tax time, and many dread the prep and thought of paying them.  There are some deductions homeowners can take, so if this is your first time filing as a homeowner, make sure you get the maximum tax benefits out of your new home. 

 

  • - Homeowners can claim their mortgage interest for a tax deduction. On the chance that you’re using tax return software, it will calculate your deduction after you answer questions about your home purchase.  If you’d rather use an accountant or tax prep service to help you, they can answer all your questions.
     

  • - If you moved more than fifty miles because of your job, or starting a new one, your expenses are tax deductible.  There are some time stipulations as well, according to number one in this guide from taxact.com;  make sure you meet the requirements before taking this deduction. 
     

  • - Making your home more energy efficient by installing a solar energy system or solar water heater make you eligible for a thirty percent credit for parts and labor.  Unfortunately, the credit for geothermal heat pumps and small wind turbines has expired. https://www.energy.gov/savings/residential-renewable-energy-tax-credit 
     

  • - Are you self-employed and use a room or section of your living area for a home office?  There’s a deduction for that.  The IRS has a couple of requirements, and if you don’t want to go through figuring up the standard deduction, they offer a simplified deduction, but choose which method takes more off your tax responsibility. 
     

  • - Did you pay “points” to the bank to get a better interest rate? If so, that money is tax deductible. Since points are usually 1% of your home loan, if your loan was $250,000, your tax break would be $2,500 for paying down one point. 
     

  • - Any property taxes are tax deductible, beginning the official date that you purchase the home, which is usually on your settlement statement you receive at closing. 
     

  • - Hopefully, this hasn’t happened in your first year in your new home, but if you’ve had something unfortunate happen that insurance didn’t cover, there is a casualty loss deduction for out-of-pocket expenses.  The repair cost must be more than 10% of your gross income. 

 

Don’t let all this information scare you away from doing your own taxes!  No matter how you decide to file, gather everything you would normally use to file taxes, but make sure you have the 1098 mortgage interest form from the lender, property tax receipts, and any paperwork you saved from the casualty loss repairs or alternative energy installments. Home ownership has many benefits for the homeowner, and you should take advantage of every penny you have worked so hard for to put into your new home. 

 

Courtesy of Chester County PA Realtor Scott Darling.

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Making Your Living Space Appear Larger

by Scott Darling

If the furniture in your living space looks like it’s just stuffed in the room, there are ways to make your space seem larger.  Check out these tips to create more space in your home: 

 

  • - Use mirrors to fool the eye, because they reflect light and images. Hang one larger mirror on the main wall, several small ones, (gallery style), or even an oversized mirror leaned against the wall.   

  • - Painting walls a light color automatically opens up the space to the eye, because it reflects light.  Going all one color is a great way to make the room appear larger, too. 

  • - Get rid of clutter.  The more you have sitting around--mail, books, work, kids’ school things--the fuller your space looks.  Baskets, files or paper organizing gadgets, decorative storage containers, or furniture pieces that double as storage are the best way to hide necessary things.  Get rid of, (in other words, throw away or recycle), junk mail and unnecessary paper as soon as you look at it. 

  • - Draw an imaginary diagonal line across your room and place your furniture at an angle.  You even get a bonus storage area behind anything that covers a corner! 

  • - Pieces that are the same color as the walls blend in, making the room appear larger. 

  • - Either skip window coverings, or use sheer drapery or curtains and blinds that are the same color as your walls.  If you have to use drapes, hang them either at ceiling height, or just inside the window so the framework is visible. 

  • - If you want bookshelves, consider a wall-to-wall, floor-to-ceiling unit.  Draw the eyes horizontally and vertically. 

  • - Speaking of bookshelves, the less you have on these open spaces, the roomier it looks.  Cramming every collection, book, or “trinket” just fills up the space in a similar way that clutter does. If you must display sentimental pieces, display a few at the time.  Switching them out on occasion will also give new appreciation for them. 

  • - Choose sofas and chairs with exposed legs to allow to light to pass through underneath them.  The more light in your room, the better. 

  • - On that note, light is your friend.  If you can’t get more natural light into the space, use a few lamps instead of an overhead light, as it draws the eye to look around the room. 

  • - Keep patterns small.  Use a punch or two of larger patterns on pillows or throws, but not too many--remember--less is more. 

  • - If you need an area rug, don’t settle for a small rug under the coffee table.  Purchase a rug that extends out from the furniture, as it will draw the eye out. 

  • - Create a focal point with framed pieces on one wall, especially behind a sofa, and extend the arrangement to the ceiling, and it will make the space appear taller.  It will also add pop and take away from the room’s size.  

  • - Drop-leaf tables or dining tables with the extra leaf removed work best in small areas, and if you need more tabletop space for guests or for workspace, simply add the leaf. 

 

Small spaces can still mean big living--we just have to make a few adjustments to maximize the space and create a few illusions for our minds to think big.  Better Homes and Gardens has multiple ideas for small spaces, from apartments to living areas, as well as those awkward spaces. 

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: livingroomideas.eu

Safely Decorating with Outdoor Lights!

by Scott Darling

It’s time to get the holiday house decorating in high gear, and you may have bought new light strands, but plan on mixing them with ones you have, or adding LED lights.  Safety is important this time of year, and making the days merry and the nights bright means taking a few precautions. 

 

  • - Check your old lights for frayed wires, nicks or cuts along the outer cord, and broken bulbs. Broken bulbs can be replaced, but toss the frayed strands, or those with cuts. 

  • - Decorating the exterior of your house means the lights you use must be made for outdoors.  Check the packaging or tag on the string to make certain. 

  • - Use clips or hangers that are UL-approved--do NOT nail, tack, or staple lights to any fixture. 

  • - If you’d like to light a tree in your yard, make absolute certain no power lines run through the branches, and keep any lighting at least ten feet from power lines. 

  • - Make sure your extension cords are specifically made for outdoor use, and have a three-pronged ground plug.  Your receptacle should be a ground fault circuit interrupter (GFCI) outlet in case of electrical overload, it will shut off power.  Portable outdoor GFCI’s are available for very little cost at Amazon. 

  • - Read and heed all labels when it comes to connecting strings of lights.  If the label says only three can be connected to one another, start a new chain of lights after the third strand is in place.  Also keep in mind that only strands with the same number of bulbs should be connected--in other words, don’t connect a 100-strand with two 25-strands. 

  • - Keep extension cords away from high-traffic areas, and out from under welcome mats or pavers. 

  • - Many people start decorating long before Christmas, but be aware that most non-commercial light strands are only safely exposed to the elements for 90 days.  Any longer, and deterioration to the insulation will begin.   

  • - Avoid using a metal ladder if you’re having to get up high with your lights--use wooden or fiberglass instead. 

  • - Never leave lights on when you’re not at home, or asleep.   

  • - If you’re considering adding LED’s to your holiday display, make sure you don’t mix connecting with incandescent.  Going all-LED will be costlier upon start-up, but will save money on your power bill, as well as in replacement costs--LED’s can last up to twenty years. 

 

You don’t want a friendly neighborhood competition to turn into disaster, nor do you want a classic Clark Griswold power outage at home.  Know your home’s electrical limits, and use common sense and care while you’re decorating. 

 

Courtesy of Chester County PA Realtor Scott Darling.

 

Photo credit: health.usnews.com

Tips for Creating a Pet-Friendly Home

by Scott Darling

The addition of a pet to a home is one of the biggest and best decisions a family can make.  Is your home ready for the task? Follow these tips for making your home pet-friendly. 

 

Outside 

  • 1. A safe environment is as important for a pet as it is for children.  The first step in keeping them safe is a fence.  Not only does it keep your pets in, it keeps others’ animals out. 

  • 2. Have an ID tag on your pet’s collar, with your name and contact information just in case they do get out.  Having them microchipped is an excellent option for identification purposes. 

  • 3. When house-training, encourage your pet to use a specific area of the yard for easy clean-up, keeping the smell away from the house.  Welcomepup.com blog has a potty-area diy. 

  • 4. A pathway to the door of gravel, cement, or other materials that aren’t plant-based will help knock off any debris that catch on paws before they come in. 

  • 5. If your animals have to stay outside when you are away for a short time, make sure they have shelter, food and, most importantly, water. 

  • 6. A play area in your yard would be great for dogs, especially, but make sure you have paths they can walk and run on, and nothing hazardous to them if they get too excited in their play. 

  • 7. Incorporating a water feature that doubles as a pet-friendly cooling-off spot is perfect for Summer outdoor play for your pets. 

  • 8. Consider the plants in your landscaping, and make sure you have nothing that can make your pet ill if they ingest it.  A great list of poisonous-to-animals plant list.  

  • 9. Make sure window screens are secure when you open them, in case Kitty wants to enjoy a nap in the open area--you don’t want her falling out of the window. Investing in a “cat condo” would be ideal for indoor cats to enjoy the outdoors safely. 

 

Inside Your Home 

  • 1. When looking for safety hazards, you should have an animal’s eye view.  Have someone get onto the floor and look for wires, window treatment cords, and anything else that is hidden from a human’s view, but could be attractive and harmful for a pet. 

  • 2. It would be ideal to have a pet-washing area in the mudroom, but if that isn’t possible, think about shelving or a storage cabinet near the door for towels, leashes and outdoor toys. 

  • 3. A cat’s litter box should be in a quiet area away from food.  It would be optimal to have one more box than cats. 

  • 4. Keep garbage in a container with child-proof lid, as dogs and cats both can figure out how to get into the trash and make a mess, and maybe eat something harmful. 

  • 5. Area rugs should be machine-washable and inexpensive, in case you need to throw them away after multiple washing, or too much dirt. 

  • 6. Crate-training is best for dogs, but most animals need a space of their own.  Provide a comfy pet bed, toys and food and water in a quiet area of the house. 

  • 7. Keeping pets brushed, toenails trimmed, and bedding changed and washed regularly is essential in keeping you from doing a lot of extra cleaning and floor repairs.  A hard surface, scratch-resistant floor is perfect for homes with pets. 

  • 8. Smaller pets that require their own habitat have specialized needs: safety from larger pets, child-proof habitat covers, a room with certain temperature and humidity setting. 

  • 9. Check with your local municipality to see if you need permits for exotic pets. 

 

Having a pet of any kind is a big responsibility.  As they become part of the family, make sure you provide the best home, the same as you would for a relative.  When your pets are happy, it just adds to the sweetness that pets bring to life. 

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: pinterest.com

Glenmoore PA Real Estate For Sale: 670 Marshall Road

by Scott Darling

Lovely 3.5 acre lot in excellent location in Wallace Township! Slightly rolling topography suitable for your new home. Can easily have a walk out basement. Possible subdivision. There is currently an older mobile home on the lot that has a septic and well. There are tenants in the mobile home renting for $800/month. The mobile home is NOT financeable. It’s a 1974 mobile home. The detached garage belongs to the tenant. You can purchase with cash or lot/land/building financing. You may also want to consider keeping the current tenants until your building plan is ready, helping you defer some of your upfront costs. Close to Marsh Creek state park. Downingtown West/STEM Academy schools and Springton Manor elementary.  Also listed as Residential. See MLS# 7077092.

Items to Throw Out Before You Move

by Scott Darling

Although moving from an old house into a new house can be an exciting time it can also be a very stressful time for those folks who don’t like to throw anything out.  Don’t worry you can keep most of your items but there are a few that should most definitely be thrown out before you move and those are listed for you below.   

 

  1. 1. If you have a lot of old towels and rags lying around your house, whether you use them or not, you might want to get rid of those before you move  into another home.  These types of things can carry bacteria on them and you don’t want to start out in your new place with dirty items when you can purchase new ones once you arrive.   

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  1. 2. Make-up is good to have but it does have a shelf life and once that has passed it isn’t really good to keep it around.  Avoid the compulsion to throw all of your old makeup into a box and take it with you.  Although you might perhaps use it once or twice there really is no need for it because it won’t look as nice as a new pallet of makeup.  

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  1. 3. Soaps, deodorants, nail polish,  and sunscreen maybe things you use on a regular basis but you really don’t need to take up space in your moving boxes for these types of items.  These things don’t cost a lot of money and can easily be purchased anywhere.  

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  1. 4. Once you start packing and you find a ton of USB cables, realize that you don’t need them all and get rid of a few of them.   You may have a friend in need of a USB cable that you can bless with one or two.   

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  1. 5. Don’t pack paperwork unless it is absolutely necessary.  Of course you will have to keep important contracts and tax information but most of the paperwork you’ve collected over the years is likely now obsolete and can be thrown out before you head out.   

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  1. 6. Last but not least, go ahead and let go of all of the clothes you can no longer fit into.  Donating these types of items can many times be a big blessing to others.   

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These are just a few ideas of things you might want to get rid of before you move.  By doing this you will avoid having to unpack all sorts of unnecessary items and will save yourself a ton of time in the process.  

 

Courtesy of Chester County PA Realtor Scott Darling.

 

Move 

Selecting Plants and Flowers for Home Garden

by Scott Darling

Many of us select plants for the garden at our Chester County PA home based on their visual effect—color, height, size of blooms, etc. And so we should, as the sight of our plantings should be pleasing to our sense of sight. As we plan our garden, however, we should also be aware of the other four senses—and include plants which appeal to each of them.

SMELL: Aromatherapy is a powerful practice. With nothing more than a simple scent, the brain can be triggered to remember long forgotten memories, emotions, and feelings. With that being said, it is important to carefully select the flowers you want in the garden of your Chester County PA home. With a few simple choices, you can create your own "memory lane' or relaxing oasis. In terms of fragrance, it’s hard to beat roses or lavender. Wisteria and jasmine are scented climbers which can really enhance the sensory pleasure of a garden, and amaryllis belladonna and spirea both add pleasant scents.

SOUND: Few of us associate the sense of sound with our garden, but the rustling of long grasses and the chirping of birds add a much-appreciated dimension. To attract songbirds, use fruit-bearing understory trees like dogwoods and service berries and shrubs such as viburnums and hollies and introduce low growing perennials and dwarf shrubs like creeping juniper and cotoneaster. You can also plant vines, ground covers, and sunflowers to increase chirping and tweeting.

TOUCH: Texture in garden design refers to the surface quality of the plant. Plant textures range from delicate and fine to coarse and bold. The feel of the foliage in your Chester County PA home’s garden is not the only element of texture, however, as the texture can change with the play of light and shadow and even with viewing distance. Plants with thread-like leaves call out to be touched, so consider adding cosmos, baby's breath, asters, and grasses. In addition, iris and lamb’s ear will each provide softer tactile experiences.

TASTE: The world of herbs is nearly without limits. Think about basil, chives, rosemary, chamomile, cilantro, mint, and parsley, to name just a few tasty garden additions. Consider, too low bush blueberries or ligonberries. Lesser known, but equally valuable as salad additions are the flowers of the hibiscus shrub, columbine, and daylilies.

Some of the plants you have selected for your garden will serve more than one purpose and will appeal to more than one sense, so be sure to sniff, feel, taste, listen to, and view each of them!

Courtesy of Chester County PA Realtor Scott Darling.

Tips for Creating a Perfect Kitchen Pantry

by Scott Darling

The typical household kitchen pantry is full of items that are needed and some items that may have been in there way too long that are no longer needed or good for that matter.  Perhaps you have tried in the past to clean out your pantry to make it more efficient to no avail.  Below are a few tips for a perfect kitchen pantry that may help you clean and organize yours once and for all.

  1. The best way to start organizing your pantry is to clean everything out of it and start from the beginning.  It may make a mess at first when you begin taking all of the items out of your pantry but sometimes you have to make a mess in order to get rid of a mess.   Be sure to look through all of your items throwing out anything that is outdated or spoiled. 
  2. Another tip for a creating a perfect kitchen pantry is to install shelving that makes it more efficient.  You can purchase shelving for your pantry at most local hardware stores or you can build them yourself out of wood, whichever works best for you.   You can make the shelves stationary or you can choose to make them where they will pull out so that you can get things out a bit easier. 
  3. Putting all your staples such as flower and sugar into air tight containers then labeling them is a great way to organize your pantry and make it more user friendly.  Once you get all of your staple items into containers you can then more easily organize them. 
  4. Another good tip for creating a perfect kitchen pantry is to use one shelf for each type of food.  For example you can put cereals together all on one shelf,  spices on one shelf and  items that you use daily on a shelf that is eye level. 
  5. If your pantry is dull and dreary, you can always paint it a light color to brighten it up after you organize it all. 

Once you get your kitchen pantry all organized exactly like you want it you will likely want to spend more time in the kitchen creating fantastic meals for your friends and family.  

Courtesy of Chester County PA Realtor Scott Darling.

How to Go Green This Spring

by Scott Darling

These days it seems everyone is all about going green.  Have you ever given any thought on taking part in going green?  If so you have come to the right place.  Below are a few tips on how you and your family can go green this spring!   Why not add going green to your spring cleaning list!  
 

  1.  One way that you and your family can go green this spring is to simply take your shoes off before you enter your house!  You read that right; you can go green by simply taking off your shoes. 40% of all indoor contaminants actually come from the bottom of our shoes so do your part to keep this from happening to you and your family by taking those shoes off!  
     

  1. Learn what ingredients are considered to be green so that when you go to the store to purchase all of your new green cleaners you can be confident that you are actually doing some good for the environment.  Some companies that claim to be green actually have some ingredients that are not green once they are mixed together.   Just read up on what ingredients are green and what ingredients are not and are typically passed off as green and you should be heading in the right direction on what to buy and what not to buy.  
     

  1. Don’t forget the outside of your home when you are going green.  Many grasses are able to grow and thrive without the help of any type of pesticides and /or fertilizers.  The best way to start going green with the outside of your home is to replace the grass you currently have with native grasses to your particular area.  One perk of this switch is that you may find that you have a lot less upkeep of your lawn once you do this!  Who wouldn’t enjoy having more time with their family and less time doing yard work on a weekly basis! 
     

These are just a few ways in which you can help to make your home a bit more green this spring.  Once you get started going green it is likely that you will find more and more ways in which to do so.  It can become addicting once you make the decision to go green in and around your home! 

Courtesy of Chester County PA Realtor Scott Darling.

How to Choose the Best Offer When You Have Multiple Offers

by Scott Darling

These days’ houses are selling like hot cakes!  If you have ever thought about selling your house, now is the time to do so!  The only “issue” you are likely to run into is that you may end up with multiple offers.  While multiple offers may be a good thing, you still should know how to choose the best offer   in the event this happens to you. Below you will find a few ideas on how to best handle this particular situation. 

  1.  Finding out which of the potential buyers have the best financing available to them is a great way to help you choose which offer you would be best to go with.  If you pick someone who hasn’t got the financial side of it all worked out for themselves you will likely end up spending more time than you would like getting all the kinks worked out.  Choosing someone who has a reputable lender on the other hand and has already been pre approved will make the transactions go nice and smoothly for all involved.   
  2. Another way to choose the best offer  when you have multiple offers is if the closing date is good for you.  You may have one person that wants to buy your home that has to wait on their home to sell first while another person is ready to go right away.  If you want to and are ready to move out quickly you may want to go with the latter however if you are not quite ready to move that fast you may want to go with the folks that need to wait a while.  Choose the offer that best suits your own personal needs.
  3. Yet another way to choose the best offer on your house when you have been given multiple offers is to make a checklist of the pros and cons of each offer.  This will make sorting out the details a bit easier for you. 
  4. Be sure that you have peace about each offer and if you don’t feel a peace about a certain offer, take that one off the list of who to choose from. 

It is a good idea to go through all scenarios that may arise with each offer that is given before deciding which one to go with.  Once you choose the right offer, you can look forward to moving into a new chapter of your life! 

Courtesy of Chester County PA Realtor Scott Darling.

Displaying blog entries 41-50 of 129

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