Real Estate Information Archive

- 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.   

Sail Shades For less than $100, purchase a sail shade, a piece of polyethylene fabric, normally cut into rectangles or triangles and grommeted.  Most come with a good length of rope to anchor it to your roof or attach it to a pole.  It’s practically instant shade, and weather-resistant, so it can be left up all Summer.   
 

Cabana A breezy cabana can be made from a simple wooden structure, or even piping!  Check out these ideas from Home Decoration Magazine. 
 

Vining Shade Build a vertical trellis wall, making sure it’s facing the direction the sun is shining. Plant fast-growing perennial or evergreen vines and train the plants to grow up the trellis.  The trellis itself will shield your space from the sun, and the plants will help as they grow. 
 

Slatted Shade Pergolas are beautiful open structures on their own or covered with trailing plants.  The price tag can be big, depending on how it’s done, but wooden pergola kits are available, as well as metal pergola kits for even less.  These instructions from The Created Home show you how to build a simple attached pergola for about $200. 
 

Temporary Shade  Lifehacker has a tutorial for a simple canopy that’s easy to put up, and easy to take down.  
 

Living Screen Visit a reputable nursery where you can get advice from a grower about good shade trees to plant as a screen around the perimeter of your patio.  Purchasing 6’-10’ trees may be a bit more expensive, but with the right planting and care, the trees will grow and thrive, providing lush, living shade. 
 

Container Shade Bamboo is a hardy plant, and easy to grow in containers. Using several containers together will provide lush greenery for shade or a privacy screen.  Find the best bamboo for screening, as well as what containers are best here. 

- Small room?  It doesn’t have to be a neutral color!  Go bold but create balance with open shelving or smaller furnishings. 

- We’re told not to stick with one color in a room, but going monochrome creates a bold, dramatic statement. 

- Your ceilings can be considered another wall when it comes to color.  Just remember to keep the walls a neutral color and get samples to paint on the ceiling before you commit to it. 

- Trim doesn’t have to be white!  Use high-gloss black for drama, stain that complements wood flooring, or neutrals for a modern twist on a traditional look. 

- If the metal finish on your kitchen light fixture doesn’t match the drawer pulls, it’s fine!  Mixing metals is perfectly acceptable, and check out this article from the Invaluable blog for inspiration! 

- Wood finishes don’t have to be the same throughout the house; create dimension with different stain colors, adding depth to a room or the whole house. 

- Who said tile is only for kitchens and bathrooms? Create an accent wall with tile in any room.  Be inspired by using the HGTV photo library search for whatever room you have in mind and add “wile tall” to the search term.   

- Speaking of kitchen tile, why not use wallpaper for your backsplash?  Protect it from splashes and oils with mounted plexiglass or a sealant made especially for sealing wallpaper. 

- Furniture stores have us fooled into thinking that our furniture sets must match, and this logic applies to even pieces like dining chairs. Mixing styles adds interest. 

- Mixing more than two patterns can be scary, so start small with accessories in bold patterns that are easily changed.  Staying in the same color family with your patterns will made this decision less daunting. 

- If you’d like to add some natural pieces to your space but don’t have a green thumb, then don’t be ashamed to use artificial plants!   

- It’s tempting to just scoot furniture to the wall and leave it because you want to follow symmetry.  Go diagonal!  Check out the difference a rearrangement can make by placing the sofa at a slant and give it a try in your living room! 

- If you’re not sure where to begin, contact your local USDA Extension office, and they offer a wealth of information to educate you and get your started on your way to attracting wildlife. 
 

- Using native plants is the first step in attracting birds and butterflies, and most of these are perennials that have a short blooming season.  Don’t be afraid of losing color; you can intersperse the native plantings with colorful annuals. 
 

- Purchase or build housing to attract birds, making sure dimensions are correct for certain types of birds, and be sure birdhouse placement is where it will be most attractive to the birds. 
 

- Other man-made shelters can be made or bought to attract wild things:  houses for bats, butterflies, carpenter bees and ladybugs will not only add charm to the landscape, you will be bringing insects that will help you fight the bad bugs. 
 

- To invite frogs to take up residence, take any old clay pot, use ceramic tile cutters to make a doorway around the top edge, and turn the pot upside down on the ground for a frog house. 
 

- Besides placing feeders in different areas, clean water is essential for wildlife, and having small shallow dishes with clean water scattered about (under cover of plantings) will keep little animals coming back to your yard again and again. 
 

- Attracting wildlife can be wonderful and educational, but having deer devour your landscaping isn’t wonderful at all. Keep them at a distance by using this list of plants that don’t appeal to deer from Old Farmer’s Almanac. 

Cleaning Pressure wash the exterior siding, fencing, the porch floor, concrete walkway and driveway, and as dreadful as it may be, clean out gutters. 
 

Painting These exterior items may need paint:  front door, shutters, window sills, exterior trim, garage doors, porch floor and railings, mailbox and address numbers. 
 

Replace Lighting fixtures that are dated or weathered should be replaced, and put up new address numbers, or mailbox if paint doesn’t improve their appearance, and get a new welcome mat. 
 

Inspect Go around the house and look closely at exterior trim, shutters, and window sills.  Examine concrete for damage, and make sure walkway pavers are stable and in perfect condition.  Make certain that all landscape lighting or irrigation systems are in working order. 
 

Lawn Care Not only should the lawn be mowed but using an edge trimmer to neaten up the walkways, driveway and planting beds makes a big difference.  Seed any dead areas of the lawn. 
  

Landscaping Weed flower beds, add seasonal easy-care plantings (annuals are best for season-long blooms!) and new mulch.  If a tree needs more than minor pruning, call a tree specialist. 
 

Decorative Remove personal yard flags, add some potted plants on the porch, highlight a shady spot with a simple outdoor bench and a few plants, and clean up outdoor furniture cushions or replace them. 

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. 

- Recycling could be the easiest thing for you.  Get all of the devices in a box, and either call your local waste management to see where you can drop them off, or go to the Sustainable Electronics website, and click your area on the interactive map, and it shows you where you can send or drop off your items. 

- American Cell Phone Drive is an organization that helps raise funds for thousands of organizations worldwide.  Follow the link, type in your zip code, and it will direct you to local places that will gladly accept your old cell phones. 

- Many large electronics retailers, online and brick-and-mortar, will accept your outdated gadgets for recycling, as well as the device manufacturers.  In some cases, they will purchase newer items (usually less than three years old) and put the amount on the retailer’s gift card.  A quick search online will help with finding what stores will buy from you. 

- Organizations such as domestic violence centers, daycares, schools and veterans’ associations are just a few places that may take the donation where it can be used for education or for emergencies.  Call and speak with whoever is in charge to find out if they can use what you cannot. 

- You can always sell your devices, the newer the better, and put a bit of cash in your pocket, or donate the proceeds.  Social media is full of local “yard sale” pages where you can post items for free or use an online auction site to sell your goods for a fee. 

- A laptop or computer tower takes a little more work to erase all sensitive information from, but these can be donated or recycled as well.   

- If the computer still works, call a local school, senior center, homeless shelter or youth program to see if they can use it.  Many will gladly take a free computer. 

- Do an online search to see if any local retailers or recycle centers will accept your laptop or computer, and when you call, make sure they can recycle laptop batteries, too.  In some cases, the lithium-ion batteries must be recycled separately. 

- Basically speaking, a home equity loan is a second mortgage on your home, which is used as collateral by the lender.  

- The lender usually bases the loan amount on the difference between the homeowner's equity and the home's current market value.  Investopedia can help you determine how much equity you have in your home. 

- Most lenders allow homeowners to borrow up to 85% of the home’s total value, but only based on what portion you actually “own.” If you haven’t finished paying your original mortgage off, your equity will be less than someone who has paid off their home loan. 

- A home equity loan will be paid as a lump sum and comes with a fixed interest rate. You will know how much you must pay every month, in addition to your current mortgage payment. 

- Just like the initial purchase of the house, your credit needs to be in good standing, so have all your financial records in order when you meet with your lender. 

- HELOC’s are a second mortgage as well, but instead of a lump sum, the homeowner typically has a five-to-ten-year “draw” period where they have access to the amount of the credit. 

- During the draw period, some lenders allow interest-only payments on the amount, while some require principle-plus-interest payments. Either way, pay more than the minimum so the principal can be paid off before the repayment period. 

- Once the draw period is over, repayment of what credit you have used will begin.  Keep in mind that these payments will be higher than the earlier amounts you’ve been paying. 

- Your line of credit can be used for anything, but if you’re thinking about an island getaway, or some other non-essential purchase, you are better off starting a savings fund.  If you can’t meet the payments once the draw period is over, you could lose your home to foreclosure.  

- In some cases, a lender will close your line of credit early if your circumstances change.  If you’re using that money to pay your child’s college tuition, you’ll no longer have access to it, creating financial strain. 
 

- 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.