I don't know about you, but I'm still not a big fan of the energy saving compact flourescent lightbulbs, as I like the old style, the incondescents. It's the warm cozy glow they give off that keeps me buying them, and I have to admit that I am hoarding bulbs from 15 -100 watts in fear that I won't be able to get them anymore. Everytime i'm in a store and walk by the lightbulb section I buy a few more to add to my collection, especially the lower wattage ones ,the 15-25 watts.
Yes the new compact flourescents do save on energy cost, and have a much longer life span than the incondescents, but I'm just not ready to be completely converted yet, even though I do have a few in my house now.
If you want to do your part to save on energy cost, whether you are a condescent or incondescent person, do read this article, as it will give you some good tips and what to do and not to do when it comes to lighting energy. Article by RISMedia
Do Your Part: 5 Ways to Lower your Lighting Cost
I LOVE REFERRALS, so if you know of anyone that is looking to either buy or sell real estate,(doesn't have to be in Alabama)please send me an email, and I will see what I can do to help.
Postings of this and that with a balance between work and play
Tuesday, September 27, 2011
Tuesday, September 20, 2011
7 Surefire Ways to Improve Your Credit Score
It's been awhile since I have blogged anything about credit scores, but it is still the biggest reason people are turned down when applying for loans to purchase a house or even rent an apartment.
This article is just some of the basic concepts that you can implement to get your score up, but you should really contact a Lender and work with them since everyone's situation is different.
At ERA-King Real Estate we have our own in house Lending department, ERA Mortgage, and they are great to work with and will help you to get your credit score where it needs to be to purchase a Home. Just give me a call or send an email and I will give you the contact information.
Here is an article I found from Frontdoor.com that hits the basics
7 Surefire Ways to Improve Your Credit Score
By Karin Beuerlein, FrontDoor.com
Published: 6/05/2008
To improve your credit score, start by paying your current bills on time.
You've already heard the bad news. The housing crisis has tightened up credit markets, and it's harder to qualify for a mortgage loan. Credit scoring has always been an important part of the loan approval process, but suddenly it bears more weight than ever.
If your credit is shabby, you'll need to shore up your score to convince a lender you're worthy. Here's how to boost your point total:
1.Be on time. Before you worry about cleaning up what happened yesterday, get right with today and focus on your current bill-paying performance. Pay on time, and pay more than the required minimum payment each month on outstanding credit balances.
2.Shrink your credit ratio. The credit-scoring process looks at the ratio of your debt to the total amount of available credit you have, so add up your credit limits to see where you stand. Your long-term goal is to get rid of all your debt, but a good, short-term target is to shrink your ratio to less than 50 percent. Then 40, then 30, and so on.
3.Pay off a card, but don't close it. Because of the aforementioned credit ratios, reducing your available credit hurts your score. If you have a $3,000 balance on one card with a $5,000 maximum and no balance on a card with a $10,000 maximum, closing the unused card suddenly makes your credit ratio skyrocket from a benign 20 percent to a troubling 60 percent. Resist the urge to close an account when you've paid it off; lock the card in a drawer instead.
4.Get current on any outstanding debts. Got collection agencies on your trail? Pay off your late accounts, but remember that paying off a delinquent account will not erase it from your history. You simply have to wait; the further the delinquency recedes into the past, the better off you'll be. If you have a good explanation for falling behind, a lender may be sympathetic if you've paid off the debt.
5.Take a magnifying glass to your credit report. Credit reports often contain score-dinging errors. Check yours via www.annualcreditreport.com, and look for obvious mistakes like erroneous balances or accounts you don't recognize (which can be a sign of identity theft). Make sure lenders have reported your credit limits accurately, because they affect your credit ratio.
6.Restrain yourself with new cards. Don't open up new accounts to increase your available credit. This strategy doesn't necessarily boost your score and can actually hurt it, according to MyFICO.com. If you'd like to have a new card, apply for one, but don't open multiple accounts at the same time. This looks like risky behavior to a lender.
7.Allow some time to pass. Following these tips will improve your credit score, but give them time to work their magic.
Here's a general timetable:
•Corrected errors on your credit report should boost your score immediately;
•Paying down balances takes a little longer to work (depending on how much you pay off and how often your lender reports to credit bureaus), so you may see results in a few weeks or a few months;
•Paying off delinquent accounts gives you some leverage with lenders, but improvement in your actual credit score will be slow, so be patient
This article is just some of the basic concepts that you can implement to get your score up, but you should really contact a Lender and work with them since everyone's situation is different.
At ERA-King Real Estate we have our own in house Lending department, ERA Mortgage, and they are great to work with and will help you to get your credit score where it needs to be to purchase a Home. Just give me a call or send an email and I will give you the contact information.
Here is an article I found from Frontdoor.com that hits the basics
7 Surefire Ways to Improve Your Credit Score
By Karin Beuerlein, FrontDoor.com
To improve your credit score, start by paying your current bills on time.
You've already heard the bad news. The housing crisis has tightened up credit markets, and it's harder to qualify for a mortgage loan. Credit scoring has always been an important part of the loan approval process, but suddenly it bears more weight than ever.
If your credit is shabby, you'll need to shore up your score to convince a lender you're worthy. Here's how to boost your point total:
1.Be on time. Before you worry about cleaning up what happened yesterday, get right with today and focus on your current bill-paying performance. Pay on time, and pay more than the required minimum payment each month on outstanding credit balances.
2.Shrink your credit ratio. The credit-scoring process looks at the ratio of your debt to the total amount of available credit you have, so add up your credit limits to see where you stand. Your long-term goal is to get rid of all your debt, but a good, short-term target is to shrink your ratio to less than 50 percent. Then 40, then 30, and so on.
3.Pay off a card, but don't close it. Because of the aforementioned credit ratios, reducing your available credit hurts your score. If you have a $3,000 balance on one card with a $5,000 maximum and no balance on a card with a $10,000 maximum, closing the unused card suddenly makes your credit ratio skyrocket from a benign 20 percent to a troubling 60 percent. Resist the urge to close an account when you've paid it off; lock the card in a drawer instead.
4.Get current on any outstanding debts. Got collection agencies on your trail? Pay off your late accounts, but remember that paying off a delinquent account will not erase it from your history. You simply have to wait; the further the delinquency recedes into the past, the better off you'll be. If you have a good explanation for falling behind, a lender may be sympathetic if you've paid off the debt.
5.Take a magnifying glass to your credit report. Credit reports often contain score-dinging errors. Check yours via www.annualcreditreport.com, and look for obvious mistakes like erroneous balances or accounts you don't recognize (which can be a sign of identity theft). Make sure lenders have reported your credit limits accurately, because they affect your credit ratio.
6.Restrain yourself with new cards. Don't open up new accounts to increase your available credit. This strategy doesn't necessarily boost your score and can actually hurt it, according to MyFICO.com. If you'd like to have a new card, apply for one, but don't open multiple accounts at the same time. This looks like risky behavior to a lender.
7.Allow some time to pass. Following these tips will improve your credit score, but give them time to work their magic.
Here's a general timetable:
•Corrected errors on your credit report should boost your score immediately;
•Paying down balances takes a little longer to work (depending on how much you pay off and how often your lender reports to credit bureaus), so you may see results in a few weeks or a few months;
•Paying off delinquent accounts gives you some leverage with lenders, but improvement in your actual credit score will be slow, so be patient
Tuesday, September 13, 2011
HOW TO LOWER YOUR ENERGY COST THIS WINTER
Now that Summer is coming to a close, and cooler weather is on it's way, we need to get our Homes ready for the cold weather of the winter months to come.
We hear every year about how to seal windows and doors etc..to keep out the drafts, and save on our energy bills, but we don't hear much about preparing the ATTIC and BASEMENT.
I ran across these 2 articles that go into detail about what to check for in these critical areas that can go along way towards saving you some precious money this winter.
According to the U.S. Department of Energy’s office of Energy Efficiency and Renewable Energy, by following up on problems, you can lower energy bills by 5% to 30% annually, and I don't know of anybody that wouldn't want to capitalize on these savings.
Hope these can help you towards saving some money this winter.......
We hear every year about how to seal windows and doors etc..to keep out the drafts, and save on our energy bills, but we don't hear much about preparing the ATTIC and BASEMENT.
I ran across these 2 articles that go into detail about what to check for in these critical areas that can go along way towards saving you some precious money this winter.
According to the U.S. Department of Energy’s office of Energy Efficiency and Renewable Energy, by following up on problems, you can lower energy bills by 5% to 30% annually, and I don't know of anybody that wouldn't want to capitalize on these savings.
Hope these can help you towards saving some money this winter.......
Attic Air Leaks: How to Find and Seal Them
Even if your attic floor is filled with adequate insulation, seal air leaks around pipes and other attic openings to prevent waste of heating and cooling energy—and money. ReadAir Leaks in Your Basement? How to Spot and Seal Them
Seal air leaks in your basement to stop the loss of your home heating energy. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Sunday, September 4, 2011
Gain Value of your Home with Yearly Routine Maintanence
THE VALUE OF HOME MAINTENANCE
By doing routine maintenance on your home every year you can gain at least 1% on your appraisal value, while deferring the maintenance can cost you 10% or more. Sounds like a no brainer to me. You never know when that day is going to come when you either want to, or have to sell your home, or even want to do a refinance or get an equity line.
When we are in a Buyers Market like we are now, homes that have been well maintained are selling faster and closer to the asking price verses the ones that have not been.
By continually keeping up on the maintenance you actually save yourself money by not letting things get to the point of costly repair.
I have a great seasonal yearly maintenance checklist that I can email you if you are interested. I always do better myself with a checklist. Just email me and I will forward a copy to you.
I LOVE REFERRALS, so if you know of anyone that is looking to either buy or sell a home, (doesn't have to be in Alabama) please send me an email. I'd be happy to help them. Julie
By doing routine maintenance on your home every year you can gain at least 1% on your appraisal value, while deferring the maintenance can cost you 10% or more. Sounds like a no brainer to me. You never know when that day is going to come when you either want to, or have to sell your home, or even want to do a refinance or get an equity line.
When we are in a Buyers Market like we are now, homes that have been well maintained are selling faster and closer to the asking price verses the ones that have not been.
By continually keeping up on the maintenance you actually save yourself money by not letting things get to the point of costly repair.
I have a great seasonal yearly maintenance checklist that I can email you if you are interested. I always do better myself with a checklist. Just email me and I will forward a copy to you.
The Value of Home Maintenance
Regular home maintenance is key to preserving the value of your house and property. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
I LOVE REFERRALS, so if you know of anyone that is looking to either buy or sell a home, (doesn't have to be in Alabama) please send me an email. I'd be happy to help them. Julie
Tuesday, August 23, 2011
Why We Tend To Forget Things As We Age
Here's the explanantion of why as we age we tend to forget things....
.....and how you can counteract it
Keeping Your Brain Fit
RISMEDIA, Friday, August 19, 2011— If you find yourself wondering where you left your glasses—again—or struggling to recall a name or a word you've used a million times, you're not alone. Many people over 40 get frustrated by the occasional "senior moment." But if you're worried that your lapses are destined to be a permanent part of old age, take heart. It's never too late to improve brain function.
The Aging Brain
Cognition includes the ability to learn new things, judgment, intuition, language and remembering. As people age, three basic trends begin to affect cognition, and over time they have a noticeable impact on memory, thinking and focus:
• Speed: The brain gradually slows down—but the speed of information coming in from the senses doesn't. Over time, the brain begins to miss details, making it more difficult to react to and remember what was seen or heard.
• Accuracy: Like the grooves of an old record, the brain's neural pathways often get fuzzier, scratchier, or even distorted. When the brain records the static along with the important sensory information, memories are fuzzier and more difficult to process.
• Recording: The brain uses chemicals called neuromodulators to determine what information is important to record and process. With each passing decade, the brain produces fewer neuromodulators. This hinders the ability to record new information—in other words, to learn and remember.
"At first, people don't notice problems because they automatically use context to fill in what they missed," says Michael Merzenich, co-founder and Chief Scientific Officer of Posit Science. "Although this helps in the immediate situation, it doesn't improve the quality of the memory. As the years pass, the gaps can become too big for context to fill in. When this occurs, it can be hard to catch and respond to the information even at the moment."
Brain Fitness
The good news is that physical brain change occurs every time something new is learned. This continuous physical, chemical and functional process is called brain plasticity. And it can be strengthened, even in an aging brain.
"We need to use and develop our brain's machinery through learning," says Merzenich. "This doesn't mean just academic learning. It means practicing targeted activities that engage the senses and our memories, and that involve the production of refined movements. By applying these types of activities, it's possible to maintain—and possibly restore—cognitive abilities."
Here are some simple exercises you can do to keep your brain fit.
• Take a guided tour of a museum or another site of interest. Pay careful attention to what the guide says. When you get home, reconstruct the tour by writing an outline that includes everything you remember. Memory activities that engage all levels of brain operation, such as receiving, remembering and thinking, help to improve the function of the brain.
• Choose a song with lyrics you enjoy but don't have memorized. Listen to the song as many times as necessary to write down all the lyrics. Then learn to sing along. Once you've mastered one song, move on to another. Developing better habits of careful listening will help you in your understanding, thinking and remembering. Reconstructing the song requires close, intentional focus and an active memory.
In addition to exercises like these, you can take advantage of brain training software, such as the brain fitness programs offered by Posit Science. These scientifically tested programs target the brain's ability to absorb information from all the senses.
"Using a program in which you practice remembering a grocery list may help you get better at remembering grocery lists," says Merzenich. "But when you exercise the roots of memory, you'll likely find that not only can you remember grocery lists better, you can also remember conversations, tasks and even that word that is just on the tip of your tongue."
.....and how you can counteract it
Keeping Your Brain Fit
RISMEDIA, Friday, August 19, 2011— If you find yourself wondering where you left your glasses—again—or struggling to recall a name or a word you've used a million times, you're not alone. Many people over 40 get frustrated by the occasional "senior moment." But if you're worried that your lapses are destined to be a permanent part of old age, take heart. It's never too late to improve brain function.
The Aging Brain
Cognition includes the ability to learn new things, judgment, intuition, language and remembering. As people age, three basic trends begin to affect cognition, and over time they have a noticeable impact on memory, thinking and focus:
• Speed: The brain gradually slows down—but the speed of information coming in from the senses doesn't. Over time, the brain begins to miss details, making it more difficult to react to and remember what was seen or heard.
• Accuracy: Like the grooves of an old record, the brain's neural pathways often get fuzzier, scratchier, or even distorted. When the brain records the static along with the important sensory information, memories are fuzzier and more difficult to process.
• Recording: The brain uses chemicals called neuromodulators to determine what information is important to record and process. With each passing decade, the brain produces fewer neuromodulators. This hinders the ability to record new information—in other words, to learn and remember.
"At first, people don't notice problems because they automatically use context to fill in what they missed," says Michael Merzenich, co-founder and Chief Scientific Officer of Posit Science. "Although this helps in the immediate situation, it doesn't improve the quality of the memory. As the years pass, the gaps can become too big for context to fill in. When this occurs, it can be hard to catch and respond to the information even at the moment."
Brain Fitness
The good news is that physical brain change occurs every time something new is learned. This continuous physical, chemical and functional process is called brain plasticity. And it can be strengthened, even in an aging brain.
"We need to use and develop our brain's machinery through learning," says Merzenich. "This doesn't mean just academic learning. It means practicing targeted activities that engage the senses and our memories, and that involve the production of refined movements. By applying these types of activities, it's possible to maintain—and possibly restore—cognitive abilities."
Here are some simple exercises you can do to keep your brain fit.
• Take a guided tour of a museum or another site of interest. Pay careful attention to what the guide says. When you get home, reconstruct the tour by writing an outline that includes everything you remember. Memory activities that engage all levels of brain operation, such as receiving, remembering and thinking, help to improve the function of the brain.
• Choose a song with lyrics you enjoy but don't have memorized. Listen to the song as many times as necessary to write down all the lyrics. Then learn to sing along. Once you've mastered one song, move on to another. Developing better habits of careful listening will help you in your understanding, thinking and remembering. Reconstructing the song requires close, intentional focus and an active memory.
In addition to exercises like these, you can take advantage of brain training software, such as the brain fitness programs offered by Posit Science. These scientifically tested programs target the brain's ability to absorb information from all the senses.
"Using a program in which you practice remembering a grocery list may help you get better at remembering grocery lists," says Merzenich. "But when you exercise the roots of memory, you'll likely find that not only can you remember grocery lists better, you can also remember conversations, tasks and even that word that is just on the tip of your tongue."
You Can Never Be To Prepared To Buy A House
Is being a First Time Home Buyer in your Future? Are you looking to buy a house again? If you answered yes to either question then you need to read this article. I'm sure this will answer some of the questions that you might be thinking about, or even address ones you never knew or forgot about.
You can never be too prepared to become a homeowner, whether this is your first time or not. Take a few minutes to look over this great article, then If you have any questions or concerns, you can drop me an email or give me a call and I will help you get the answers you need.
FIRST TIME HOMEBUYER FACTS
Julie
I LOVE REFERRALS, so if you know of anyone that is looking to either buy or sell real estate,(doesn't have to be in Alabama) please send me an email, and I will see what I can do to help.
You can never be too prepared to become a homeowner, whether this is your first time or not. Take a few minutes to look over this great article, then If you have any questions or concerns, you can drop me an email or give me a call and I will help you get the answers you need.
FIRST TIME HOMEBUYER FACTS
I LOVE REFERRALS, so if you know of anyone that is looking to either buy or sell real estate,(doesn't have to be in Alabama) please send me an email, and I will see what I can do to help.
Friday, August 12, 2011
Is a SHORT SALE in your Future?
Short Sales Strong thru 2013
Until the last couple years a SHORT SALE wasn't even mentioned when either trying to sell your home or in buying a home, but with the economy in the situation that it is in, they are a very popular way to sell or buy real estate.
In simple terms, A SHORT SALE is when your Lender agrees to a payoff of your mortgage that is less then the actual principal balance owed. Naturally there are certain criteria that has to be met before an agreement like this will be agreed upon with your Mortgage Lender. You will have to prove you have a financial hardship, and there is a lot of documentation involved. If you are approved for this type of sale, make sure you are working with a Realtor that has experience with short sales, because they know how this process works. Selling and or buying a home with short sale assistance does take longer than a normal, everyday sale, so don't expect in 30 days it will all be over. The more experienced your Realtor is, the smoother it will go.
If you think you might qualify for selling your home with a Short Sale, email me, or give me a call and I will get you started on the process, and stick with you thru the end.
I LOVE REFERRALS, so if you know of anyone that is looking to either buy or sell real estate,(doesn't have to be in Alabama)please send me an email, and I will see what I can do to help.
Until the last couple years a SHORT SALE wasn't even mentioned when either trying to sell your home or in buying a home, but with the economy in the situation that it is in, they are a very popular way to sell or buy real estate.
In simple terms, A SHORT SALE is when your Lender agrees to a payoff of your mortgage that is less then the actual principal balance owed. Naturally there are certain criteria that has to be met before an agreement like this will be agreed upon with your Mortgage Lender. You will have to prove you have a financial hardship, and there is a lot of documentation involved. If you are approved for this type of sale, make sure you are working with a Realtor that has experience with short sales, because they know how this process works. Selling and or buying a home with short sale assistance does take longer than a normal, everyday sale, so don't expect in 30 days it will all be over. The more experienced your Realtor is, the smoother it will go.
If you think you might qualify for selling your home with a Short Sale, email me, or give me a call and I will get you started on the process, and stick with you thru the end.
I LOVE REFERRALS, so if you know of anyone that is looking to either buy or sell real estate,(doesn't have to be in Alabama)please send me an email, and I will see what I can do to help.
Need help getting $$ for your Downpayment?
Wanting to buy a house, but don't have enough saved for the down payment?
Here is a blog posting from Trulia (Tara-Nicholle Nelson) that I thought was very imformative that I would like to share with my readers. I believe it could be a very usefull source of information to some. If you think this can work for you, give me a call and we can get the process started to get you in that home of your dreams.
.5 Insider Secrets for Coming Up With Cash for Down Payment
August 10, 2011 6:05 PM By Tara-Nicholle Nelson
Most home buyers’ biggest hurdle is coming up with the cash for a sensible down payment. Gone are the days of zero-down loans, so if that was your plan, you’re going to need a new one! Coming up with a down payment for a home is a challenge because it’s not chump change we're talking about, here. The down payment on a $200,000 house, for example, will run you anywhere from $7,000 (on an FHA loan) to $40,000!
That might seem like an insurmountable amount of coin to come up with, but it’s actually more doable than you might think. Some buyers will simply save up their own cash, even if it takes many, many moons. The good news is that if you still need some help to boost your down-payment savings, there are resources you can harness to power your home-buying pursuit:
.5 Insider Secrets for Coming Up With Cash for Down Payment
August 10, 2011 6:05 PM By Tara-Nicholle Nelson
Most home buyers’ biggest hurdle is coming up with the cash for a sensible down payment. Gone are the days of zero-down loans, so if that was your plan, you’re going to need a new one! Coming up with a down payment for a home is a challenge because it’s not chump change we're talking about, here. The down payment on a $200,000 house, for example, will run you anywhere from $7,000 (on an FHA loan) to $40,000!
That might seem like an insurmountable amount of coin to come up with, but it’s actually more doable than you might think. Some buyers will simply save up their own cash, even if it takes many, many moons. The good news is that if you still need some help to boost your down-payment savings, there are resources you can harness to power your home-buying pursuit:
Monday, August 8, 2011
WHAT WILL INTEREST RATES DO NOW?
All of us in the Real Estate business have been wondering how the mortgage rates were going to be affected today. In our morning meeting, our Mortgage Dept told us to expect several changes throughout the day and those changes would more than likely be increased rates. As we all know, no one can really predict with accuracy what is really going to happen until it happens, we can anticipate, but the end of the day tells the tale.
Here is the update from Josh Wright in our Lending Dept on what actually happened today to the rates;
Not much movement in the rates today. The 10 year bond went down 21 basis points today alone. On a normal day a 2 point drop in the 10 year bond would equal a .2% drop in rates. Although the 10 year bond went down more than I have ever seen in one day, rates increased. That is very abnormal and hard to explain. Rates only increased once today and that was this morning, probably as a precaution more than anything. There is a lot of uncertainty right now, but rates remain at an all time low.
Rates for 8/8/11
VA4.2%
FHA4.3%
VA4.4%
Josh Wright
Mortgage Advisor
When You Work With Me, I Deliver The Key
Julie Nettleton
ERA-King Real Estate
256-454-5735
Julien@era-king.com
http://www.allalabamahomes.com/
I LOVE REFERRALS, so if you know of anyone that is looking to either buy or sell real estate,(doesn't have to be in Alabama)please send me an email, and I will see what I can do to help.
All of us in the Real Estate business have been wondering how the mortgage rates were going to be affected today. In our morning meeting, our Mortgage Dept told us to expect several changes throughout the day and those changes would more than likely be increased rates. As we all know, no one can really predict with accuracy what is really going to happen until it happens, we can anticipate, but the end of the day tells the tale.
Here is the update from Josh Wright in our Lending Dept on what actually happened today to the rates;
Not much movement in the rates today. The 10 year bond went down 21 basis points today alone. On a normal day a 2 point drop in the 10 year bond would equal a .2% drop in rates. Although the 10 year bond went down more than I have ever seen in one day, rates increased. That is very abnormal and hard to explain. Rates only increased once today and that was this morning, probably as a precaution more than anything. There is a lot of uncertainty right now, but rates remain at an all time low.
Rates for 8/8/11
VA4.2%
FHA4.3%
VA4.4%
Josh Wright
Mortgage Advisor
When You Work With Me, I Deliver The Key
Julie Nettleton
ERA-King Real Estate
256-454-5735
Julien@era-king.com
http://www.allalabamahomes.com/
I LOVE REFERRALS, so if you know of anyone that is looking to either buy or sell real estate,(doesn't have to be in Alabama)please send me an email, and I will see what I can do to help.
Wednesday, August 3, 2011
What Do You Know About Your Credit Score?
If you have followed any of my previous postings you know that credit score is a topic I post about a lot. It's been an eye opener to me how much the consumer doesn't know about their own credit score, what effects it, and how important it is even if you aren't buying a house.
For instance, did you know that ignoring your student loans is the same as not paying your income tax? They are both parts of the Federal Gov't and you could end up with a judgement placed against you. I actually have a client now that is wanting to buy a house but can't get a loan until the judgement is paid in full (not a payment plan). Simply taking care of your responsibilities would avoid these types of situations.
For instance, did you know that ignoring your student loans is the same as not paying your income tax? They are both parts of the Federal Gov't and you could end up with a judgement placed against you. I actually have a client now that is wanting to buy a house but can't get a loan until the judgement is paid in full (not a payment plan). Simply taking care of your responsibilities would avoid these types of situations.
What Affects Credit Scores? 7 Misconceptions
If you’re trying to raise your credit score to get a good rate for a refinance or HELOC, you might be surprised by what affects—or doesn’t affect—your score. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Summer will be over before you know it, and it soon will be Fall. The cooler weather and shorter days make for a great time to add landscaping to your yard. I learned after reading this a few things that I was doing wrong with my landscaping projects, so when I do my Fall planting I will implement these changes.
REMEMBER IT'S ALL ABOUT THE CURB APPEAL
REMEMBER IT'S ALL ABOUT THE CURB APPEAL
7 Gardening Mistakes to Avoid
Even veteran gardeners make rookie mistakes, like giving plants too much water and too little space. Here are common garden blunders. Consider yourself warned. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Tuesday, July 26, 2011
Why Not Build A Pergola
Why Not Build A PergolaI love to look at magazines and or pictures of outdoor spaces, and have always liked the looks that a Pergola adds to a yard, so when I ran across this, I just had to share. If you are wanting to add value and little pizazz to your outdoor living/entertaining areas, and don't know what to do, Why Not Build A Pergola. Whether you are looking to provide shade for your Patio, Deck, or Outdoor Kitchen or even the swing in the backyard, let your imagination guide you since there are no set rules of how big, how high, what shape or even what color a Pergola can be. Even if you don't need the shade, having a place to hang planters or grow flowering vines or even an entrance to the backyard, will add great appeal to those blah places. Hope you enjoy it. Just click on the link above on how to get started.
Tuesday, June 28, 2011
DO YOU FEEL SAFE IN YOUR OWN HOME?
Do you feel safe in your own home? If you could use some do it yourself tips on how to keep you and your family safe, then you need to read this article. With the economy in the shape that it is in, I am reading more and more everyday in our hometown paper about homes that are being broken into for anything that these thieves can grab onto to sell for cash. Whether they are trying to support their drug habits, or just trying to provide for their families and needing money, its a real threat in all of our lives these days. No one, and no community is immuned from that possible break-in.
The vicitims of these crimes aren't nearly as upset about what was taken as they are scared for their families of what could have happened if they were home, and the simple fact that they feel violated.
You can prevent yourself from being a victim with these 5 essential steps. Anything you can do to protect your home is better than doing nothing at all!
The vicitims of these crimes aren't nearly as upset about what was taken as they are scared for their families of what could have happened if they were home, and the simple fact that they feel violated.
You can prevent yourself from being a victim with these 5 essential steps. Anything you can do to protect your home is better than doing nothing at all!
Do-It-Yourself Home Security Check: 5 Essential Steps
Conduct a do-it-yourself home security check by walking around your house to assess what needs to be done to reduce the risk of a break-in. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Friday, June 17, 2011
CALHOUN COUNTY HOUSING MARKET REPORT FOR MAY 2011
 |
| Sweet Home Alabama |
The Top 10 States with the highest foreclosure activity rates in the nation in May 2011, and the change from last year.
Rank State Foreclosure activity rate % change year-over-year foreclosure activity
1 Nevada 1 in 103 housing units -23.1%
2 Arizona 1 in 210 units -18.5%
3 California 1 in 259 units -27.9%
4 Michigan 1 in 311 units -28.1%
5 Utah 1 in 365 units -0.5%
6 Georgia 1 in 387 units -23.8%
7 Idaho 1 in 460 units -32.1%
8 Florida 1 in 461 units -62.1%
9 Illinois 1 in 500 units -29.8%
10 Colorado 1 in 518 units -13.6%
CLICK ON THIS BADGE if you are interested in seeing the statistics for Home Sales for the month of May in Calhoun County.
Tuesday, June 7, 2011
Things to Avoid that Can Cancel Your Home Closing
Yes, the Lender will recheck your Credit either the day before or the day of Closing, and yes there are things that will prevent you from Closing on the Home of your dreams. I can't stress enough that you can not go out and buy a new car, or open a charge account so that you can put all new furniture and appliances in your new house before closing without it damaging your chances of getting the loan thru. Especially not a 90 days same as cash or don't pay any interest for a year account. These last 2 are definately deal breakers when it comes to securing your loan on the day of closing. I have seen it happen too many times. If you need appliances, or furniture, have it picked out and be ready to finalize the deal AFTER THE CLOSING. So it takes you another day to move in, thats better than not moving at all. If you have any questions about your credit, with what you can and cannot do before closing according to your finances and situation, please talk to your lender. He or she wants your closing to happen just as much as you do.
Keep Your Home Purchase on Track
You’ve found your dream home. Make sure missteps don’t prevent a successful closing. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Tuesday, May 24, 2011
"Spruce up your Home" this spring with some easy fixes for a NEW LOOK
Repair and Replace Kitchen Counters to Stay on Top of Scratches
You can repair kitchen counter mishaps with only a little time and money. Big boo-boos, however, will need professional help. ReadRepair Wood Floors and Erase Ugly Scratches
Repair wood floors and scratches that make rooms look worn out. We’ll show you easy ways to put the luster back into your floors. ReadRepair and Replace Door Hardware To Update Rooms
Repair and replace door hardware that makes rooms look dingy and outdated. We’ll show you how door and cabinet pulls, knobs, and hinges can give your home new sparkle. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Tuesday, May 10, 2011
Todays tip: How to fix a Scuffed Countertop
I'm always looking for easy inexpensive tips for fixing everyday common household problems. This one looks too good to be true. If you try this one out, let me know how it works. I'll keep posting these, and if you know of any other tricks and tips... please share.
99-Cent Store Solution #1: Scuffed Countertops
At HouseLogic, we love to find and share inexpensive solutions to household problems. Our five solutions this week—one a day—don’t even require a trip to your big-box home improvement store—not that we don’t love stocking up at Lowe’s or Home Depot. Instead, pay a call to your 99-cent store. Its aisles are crammed with the inexpensive (and multipurpose) wares to fix what’s ailing. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Wednesday, April 20, 2011
Add CURB APPEAL with Outdoor Lighting
Using outdoor lighting to show off your landscaping is one of the best ways I know to add that little extra to curb appeal of your Home, especially when evening falls. Buyers are driving by your home in the evening hours also so why not add that extra selling feature and add some outdoor lights, it will really show the place off. The extra safety and security that lighting will add to your home is a bonus.
Outdoor Lighting for Curb Appeal and Safety
Well-planned outdoor lighting improves curb appeal, safety, and security for your home. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Saturday, April 16, 2011
Spend that TAX REFUND Wisely
Invest a Tax Refund in Your Home: $1,000 Projects
Consider these five great projects that cost around $1,000 if you decide to invest a tax refund in your home this year. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Monday, March 21, 2011
Does Your Landscaping Need Some Help?
7 Gardening Mistakes to Avoid
Even veteran gardeners make rookie mistakes, like giving plants too much water and too little space. Here are common garden blunders. Consider yourself warned. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Friday, March 18, 2011
Julie's March 2011 Housing Trends eNewsletter
Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.
The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau and Realtor.org reports, videos, key market indicators and real estate sales statistics, a video message by a nationally recognized economist, maps, mortgage rates and calculators, consumer articles, plus local neighborhood information and more.
Please click here to view the MARCH - 2011 Newsletter Housing Trends eNewsletter.
If you are interested in determining the value of your home, click the Home Evaluator link for a free evaluation report.
MARCH - 2011 Newsletter Housing Trends eNewsletter
Thursday, February 17, 2011
95% Say its More Important than ever to Work with a Real Estate Agent
If you are considering either listing your home for sale or buying a home take a few mintues and read this article. With the compexity of the Real Estate and Lending in todays market, its more important then ever to work with a professional.
Working with a Real Estate Professional is More Important Than Ever in Today’s Real Estate Market
RISMedia
Thursday, February 10, 2011
REALTOR® Magazine-Daily News-Forget the 'Starter Home,' New Buyers Want More
Here it is Sellers in black & white the buyers for your house want to just move-in. I've been saying this for a long time, but now there are statistics to back it.
Read On.....
REALTOR® Magazine-Daily News-Forget the 'Starter Home,' New Buyers Want More
Read On.....
REALTOR® Magazine-Daily News-Forget the 'Starter Home,' New Buyers Want More
Monday, February 7, 2011
Tax Benefits of Home Ownership
TAX BENEFITS OF HOME OWNERSHIP
Here are some great points that were made by By Stephen Fishman in an article that he wrote on Feb 4 2011 and I thought they were good enough to share with my readers.
Please remember that I am not a tax expert, as I am a Realtor, so any concerns that you have regarding these benefits, I advise you to contact a tax professional or accountant.
Original Article written By Stephen Fishman
Inman News™
February 04, 2011
When it comes to the tax benefits of renting vs. buying, the benefits of buying are many, while there are few or no tax benefits for renting. This simple fact can help get renters motivated to take the plunge into homeownership.
The tax benefits of buying a home include:
Home mortgage interest deduction: The interest paid on a mortgage or mortgages of up to $1 million for a principal residence and/or second home is deductible as an itemized deduction. In the early years of a home loan most of the payments consist of interest, so this deduction is particularly substantial during the first years of homeownership.
Depending on the state a buyer lives in and his or her tax bracket, this deduction can reduce the cost of borrowing by one-third or more.
Home equity loan deduction: Homeowners can borrow up to $100,000 against the equity in their home and deduct the interest as an itemized deduction. The money can be used for any purpose, such as paying off high-interest credit card debt. In contract, the interest on credit card debt is not deductible.
Property tax deduction: Homeowners also get to deduct from their federal income taxes the state and local property taxes they pay on their home. This is another itemized deduction that renters don't get.
Deductible homebuying expenses: Various closing costs ordinarily involved in a home purchase are also deductible as itemized deductions, including loan origination fees (points), prorated interest on a new loan, and prorated property taxes paid at settlement.
$250,000/$500,000 home-sale exclusion: Perhaps the greatest tax benefit of owning a home comes when a person sells it at a profit. Homeowners who lived in their home for two of the prior five years prior to its sale need pay no income tax on a substantial amount of their profit -- $250,000 for single homeowners and $500,000 for married homeowners who file jointly. This exclusion can be used once every 24 months.
14 days of free rental income: Another little known tax benefit of owning a home is that the owner can rent it out for up to 14 days during the year and pay no tax at all on the rental income. In contrast, a renter who sublets his or her rental must pay income tax on all the rental income he or she earns.
Tax benefits of renting
The only tax benefit that a renter can qualify for by virtue of being a renter is the home office deduction. This is a business deduction available to renters who own a business and have a home office they use regularly and exclusively for business purposes.
Some employees can qualify for this deduction as well. The deduction is limited to the amount of profit earned from the business each year. If a renter pays a lot of rent, this deduction can be substantial. Homeowners who are in business and have a home office can also qualify for the deduction.
Of course, the value of the tax benefits of buying a home depends on the state the buyer lives in and his or her tax bracket. Buyers who live in high tax states like New York or California get the most benefit.
This is why the blanket statement "it's always better to buy than rent" is not always true. It all depends on the buyer's individual circumstances.
You should encourage prospective buyers to run the numbers. There are some excellent websites you can refer clients to that have online calculators they can use to compare the costs of renting vs. buying a home.
A good rent vs. buy tool can be found on the Smart Money Magazine website: http://www.smartmoney.com/personal-finance/real-estate/to-rent-or-to-buy-9687/.
Freddie Mac also has a good online calculator: http://www.freddiemac.com/corporate/buyown/english/calcs_tools/.
Stephen Fishman is a tax expert, attorney and author who has published 18 books, including "Working for Yourself: Law & Taxes for Contractors, Freelancers and Consultants," "Deduct It," "Working as an Independent Contractor," and "Working with Independent Contractors." He welcomes your questions for this weekly column.
Here are some great points that were made by By Stephen Fishman in an article that he wrote on Feb 4 2011 and I thought they were good enough to share with my readers.
Please remember that I am not a tax expert, as I am a Realtor, so any concerns that you have regarding these benefits, I advise you to contact a tax professional or accountant.
Original Article written By Stephen Fishman
Inman News™
February 04, 2011
When it comes to the tax benefits of renting vs. buying, the benefits of buying are many, while there are few or no tax benefits for renting. This simple fact can help get renters motivated to take the plunge into homeownership.
The tax benefits of buying a home include:
Home mortgage interest deduction: The interest paid on a mortgage or mortgages of up to $1 million for a principal residence and/or second home is deductible as an itemized deduction. In the early years of a home loan most of the payments consist of interest, so this deduction is particularly substantial during the first years of homeownership.
Depending on the state a buyer lives in and his or her tax bracket, this deduction can reduce the cost of borrowing by one-third or more.
Home equity loan deduction: Homeowners can borrow up to $100,000 against the equity in their home and deduct the interest as an itemized deduction. The money can be used for any purpose, such as paying off high-interest credit card debt. In contract, the interest on credit card debt is not deductible.
Property tax deduction: Homeowners also get to deduct from their federal income taxes the state and local property taxes they pay on their home. This is another itemized deduction that renters don't get.
Deductible homebuying expenses: Various closing costs ordinarily involved in a home purchase are also deductible as itemized deductions, including loan origination fees (points), prorated interest on a new loan, and prorated property taxes paid at settlement.
$250,000/$500,000 home-sale exclusion: Perhaps the greatest tax benefit of owning a home comes when a person sells it at a profit. Homeowners who lived in their home for two of the prior five years prior to its sale need pay no income tax on a substantial amount of their profit -- $250,000 for single homeowners and $500,000 for married homeowners who file jointly. This exclusion can be used once every 24 months.
14 days of free rental income: Another little known tax benefit of owning a home is that the owner can rent it out for up to 14 days during the year and pay no tax at all on the rental income. In contrast, a renter who sublets his or her rental must pay income tax on all the rental income he or she earns.
Tax benefits of renting
The only tax benefit that a renter can qualify for by virtue of being a renter is the home office deduction. This is a business deduction available to renters who own a business and have a home office they use regularly and exclusively for business purposes.
Some employees can qualify for this deduction as well. The deduction is limited to the amount of profit earned from the business each year. If a renter pays a lot of rent, this deduction can be substantial. Homeowners who are in business and have a home office can also qualify for the deduction.
Of course, the value of the tax benefits of buying a home depends on the state the buyer lives in and his or her tax bracket. Buyers who live in high tax states like New York or California get the most benefit.
This is why the blanket statement "it's always better to buy than rent" is not always true. It all depends on the buyer's individual circumstances.
You should encourage prospective buyers to run the numbers. There are some excellent websites you can refer clients to that have online calculators they can use to compare the costs of renting vs. buying a home.
A good rent vs. buy tool can be found on the Smart Money Magazine website: http://www.smartmoney.com/personal-finance/real-estate/to-rent-or-to-buy-9687/.
Freddie Mac also has a good online calculator: http://www.freddiemac.com/corporate/buyown/english/calcs_tools/.
Stephen Fishman is a tax expert, attorney and author who has published 18 books, including "Working for Yourself: Law & Taxes for Contractors, Freelancers and Consultants," "Deduct It," "Working as an Independent Contractor," and "Working with Independent Contractors." He welcomes your questions for this weekly column.
Monday, January 31, 2011
It's No Longer About Keeping up with the Jones'
If we have learned anything as we go thru these tough times, it's that its time that we stop trying to keep up with the Jones'. It's time that the younger generation stops thinking that they deserve the best, and that thru time and hard work they can earn that right to have the things they want. I can't even imagine 34 years ago when I got married of buying that brand new house, plus the new car and all of the other things that go along with it. I remember garage sales and hand me down furniture and I still had a nice place to call home even thou it wasn't new. I remember how good it made me feel when I actually bought my first brand new couch, and believe me I'm sure I appreciated it way more than those that think they deserved from the beginning. Our very first home was special to me and I believe thats because it was filled with love and not payment books.
If you are needing to change your financial behavior check out this article.....
Simple Tips to Change Your Financial Behavior
If you are needing to change your financial behavior check out this article.....
Simple Tips to Change Your Financial Behavior
Thursday, January 27, 2011
7 Steps to Take Before You Buy A Home
7 Steps to Take Before You Buy a Home
By doing your homework before you buy, you’ll feel more content about your new home. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Tuesday, January 25, 2011
Finance tips to Improve your Credit Score
Improve Credit Score with These Home Finance Tips
How you manage your home ownership finances affects your credit score—and your ability to refinance later. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Monday, January 24, 2011
Tax Time Tips
5 Tips to Put More Money in Your Pocket
As we are coming to the end of January, all W-2's for the 2010 tax year should he in your hand, along with any 1099's for any freeland or contract work done over $600 thats not declared by a W-2. If you have not received your W-2 or 1099 if applicable by the first week of February, please contact your employeer. By law, both of these forms must be mailed to the recipients by January 31st.
This link offers some great tips to make sure you are getting the most money in your pocket. Check it out..
Tax Time: 5 Tips to Put More Money in Your Pocket
As we are coming to the end of January, all W-2's for the 2010 tax year should he in your hand, along with any 1099's for any freeland or contract work done over $600 thats not declared by a W-2. If you have not received your W-2 or 1099 if applicable by the first week of February, please contact your employeer. By law, both of these forms must be mailed to the recipients by January 31st.
This link offers some great tips to make sure you are getting the most money in your pocket. Check it out..
Tax Time: 5 Tips to Put More Money in Your Pocket
Sunday, January 23, 2011
January 2011 Housing Trends
Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.
The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau and Realtor.org reports, videos, key market indicators and real estate sales statistics, a video message by a nationally recognized economist, maps, mortgage rates and calculators, consumer articles, plus local neighborhood information and more.
Please click here to view the JANUARY - 2011 Newsletter Housing Trends eNewsletter.
JANUARY - 2011 Newsletter Housing Trends eNewsletter
Friday, January 14, 2011
SHORT SALE the alternative to Foreclosure
Theres no doubt that times are tough, and as a Realtor I see it everyday from Home Owners that can longer pay their mortgages to those that want to buy a home but can't because of their credit.
There is another option for those home owners that can longer pay their mortgage besides going into foreclosure and that is a SHORT SALE. Very popluar avenue right now that doesn't hurt your credit as bad as the foreclosure. Give me a call and I will help to see if this is an option for you.
There is another option for those home owners that can longer pay their mortgage besides going into foreclosure and that is a SHORT SALE. Very popluar avenue right now that doesn't hurt your credit as bad as the foreclosure. Give me a call and I will help to see if this is an option for you.
Foreclosure Alternative: The Short Sale
A short sale is far from hassle-free, but it’s a better alternative than foreclosure. And now you’ve got a little help from your friends in D.C. Here are the facts about short sales and how to get started. Read
Visit houselogic.com for more articles like this.
Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®
Monday, January 10, 2011
Make 2011 the year to get your Credit in Shape
Do You Need Help with your Credit Fitness?
By Chris Kaucnik
RISMEDIA, January 6, 2011—Many home buyers now and into the foreseeable future will face tight lending standards and will need to improve their credit score to get prequalified or preapproved for mortgages. Be aware of the following steps your prospects can take for some speedy credit repair to gain lender approval and the best possible rates, especially if they are months away from a purchase:
Credit Card Wisdom
-Paying revolving credit cards down is generally more beneficial than, for example, paying down student loans, mortgage or auto loans.
-Always leave a 30% or higher gap between what you owe on the card and the card’s limit. Lenders look for this minimum gap.
-Use cards with care even if you pay off balances each month because depending upon statement dates, the lender may see big balances.
-Pay down the cards closest to their limits first for speedier credit repair. The lending bank will then see the “gap” it wants to see.
-Do not ask a creditor to lower credit limits. Generally, carrying smaller balances on several cards is better than one large balance on one card.
-Check your credit card limits to make sure the report is correct. Limits may not be reported on all cards.
-Never make a late payment on credit cards or any loan.
Protesting Items
-Protest any unjust negatives, such as late payments, collections that are not yours, and any items not reported as “paid as agreed,” if you paid on time and in full.
-Protest items listed as unpaid that were included in a bankruptcy, and items older than seven years (10 for bankruptcy).
-Focus first on the larger, newer negatives listed on the report.
It is important not to worry about smaller items like incorrect address information or an old employer listed as current. This is, of course, unless there is the possibility of identity theft or the file is mixed with someone else’s.
This is certainly not an all-inclusive list of the steps that can be taken to improve a credit score, but it is a great start for clients needing to focus on their scores before attempting to get preapproved and purchase a home through you.
Chris Kaucnik is marketing director for Home Warranty of America, Inc.
By Chris Kaucnik
RISMEDIA, January 6, 2011—Many home buyers now and into the foreseeable future will face tight lending standards and will need to improve their credit score to get prequalified or preapproved for mortgages. Be aware of the following steps your prospects can take for some speedy credit repair to gain lender approval and the best possible rates, especially if they are months away from a purchase:
Credit Card Wisdom
-Paying revolving credit cards down is generally more beneficial than, for example, paying down student loans, mortgage or auto loans.
-Always leave a 30% or higher gap between what you owe on the card and the card’s limit. Lenders look for this minimum gap.
-Use cards with care even if you pay off balances each month because depending upon statement dates, the lender may see big balances.
-Pay down the cards closest to their limits first for speedier credit repair. The lending bank will then see the “gap” it wants to see.
-Do not ask a creditor to lower credit limits. Generally, carrying smaller balances on several cards is better than one large balance on one card.
-Check your credit card limits to make sure the report is correct. Limits may not be reported on all cards.
-Never make a late payment on credit cards or any loan.
Protesting Items
-Protest any unjust negatives, such as late payments, collections that are not yours, and any items not reported as “paid as agreed,” if you paid on time and in full.
-Protest items listed as unpaid that were included in a bankruptcy, and items older than seven years (10 for bankruptcy).
-Focus first on the larger, newer negatives listed on the report.
It is important not to worry about smaller items like incorrect address information or an old employer listed as current. This is, of course, unless there is the possibility of identity theft or the file is mixed with someone else’s.
This is certainly not an all-inclusive list of the steps that can be taken to improve a credit score, but it is a great start for clients needing to focus on their scores before attempting to get preapproved and purchase a home through you.
Chris Kaucnik is marketing director for Home Warranty of America, Inc.
Friday, December 31, 2010
REALTOR® Magazine-Daily News-5 Reasons to Buy a Home in 2011
If you missed out buying that house in 2010, don't fret it, 2011 won't be quite as good as far as interest rates go, but they will still be excellent rates compared to previous years.
REALTOR® Magazine-Daily News-5 Reasons to Buy a Home in 2011
REALTOR® Magazine-Daily News-5 Reasons to Buy a Home in 2011
Wednesday, December 29, 2010
Is it possible that your house is making you sick?
Is it possible that your house is actually making you sick instead of the common cold or flu bug. Here are some great tips to nurse yourself and your house back to health.
Please read on....
Enhance Your Well-Being: Nurse Your Sick Home Back to Health
By Charles Furlough
RISMEDIA, December 29, 2010—A new home may have freshly painted shutters, a picket fence around it, and rainbow-colored flower patches leading to the candy-red door. But if the air quality isn’t good inside, those exterior niceties become insignificant—and—quite simply, you could get sick. “Sick building syndrome” (a term typically reserved for office buildings, but often interchangeably used with the term “sick house syndrome” when referring to private homes) is a combination of physical ailments—symptoms often include headaches, loss of concentration, general malaise and breathing problems. The cause: poor indoor air quality.
The less-than-clean air that contributes to sick house syndrome comes courtesy of a huge list of pollutants, which can be separated into three main groups: particles (lime and silica dust, lead paint chips, pet dander, carbon from burning fuels and candles, and mold and dust mites); fibers (asbestos, fiberglass, animal hair and carpet/textile fibers); and gases (such as paint and other caustic product solvents, and carbon monoxide).
These substances build up fast. They can either be inherent in the home, or tracked in on shoes and clothes (or via the family dog)—and they can adversely affect a person’s or family’s health. But don’t panic. Instead, take measures to reduce your exposure to the chemicals that cause sick house syndrome. Remember, this isn’t an exact science. Very few homes have absolutely no pollutants. The key is to reduce the number of pollutants as much as possible.
The following 11 steps will help you nurse your home back to health:
1. Use vacuums with HEPA filters. Your seafoam-green Electrolux from 1968 might be a swoopy retro design statement, but it’s not healthy to use anymore.
2. Use high-efficiency furnaces and hot-water heaters. Your local heating company can give you information on the newest, most efficient models.
3. Seal all gaps around your windows and doors. Some pollutants are tracked in on foot, but others float in through minuscule cracks.
4. Have your basement waterproofed to prevent mold from proliferating.
5. If you’ve been sleeping on your pillows for more than six months, there are probably enough dust mites on them to do the final dance number from a big Broadway musical. Change your pillows at least twice a year. And wash all bedding at least once a week—in hot water—to reduce the instance of allergens.
6. Avoid flannel pajamas as they contain synthetic fabrics that can house volatile compounds. While we’re on the subject of clothing—give all washable clothes you buy one wash, with Borax, before wearing.
7. When you’re buying your kids a toy, look for any labeling that indicates that Latex, neoprene or vinyl (PVC) is in it. If any of these substances are used, leave the item in the store. It’s not good for you—or your child.
8. When you’re done painting a room in your home, don’t store the paint for later use. Instead, write down the color name and number—most major paint companies have readily available touch-up containers in small sizes. (Similarly, don’t keep solvents, pesticides and fertilizers hanging around either).
9. Use doormats. Not only do they make people feel welcome—they whisk the germs off their feet before they have the chance to enter your home.
10. Whenever you can replace a porous surface with a smooth one, do so. A sleek leather rug collects fewer allergens than a loopy shag rug. Or, if you’re going low-budget—consider skipping the rug altogether.
11. Taking shorter showers is good for the environment, but it still exposes you to chlorine. Use a carbon filter on your showerhead to help reduce your exposure to chlorine and other harmful chemicals.
Please read on....
Enhance Your Well-Being: Nurse Your Sick Home Back to Health
By Charles Furlough
RISMEDIA, December 29, 2010—A new home may have freshly painted shutters, a picket fence around it, and rainbow-colored flower patches leading to the candy-red door. But if the air quality isn’t good inside, those exterior niceties become insignificant—and—quite simply, you could get sick. “Sick building syndrome” (a term typically reserved for office buildings, but often interchangeably used with the term “sick house syndrome” when referring to private homes) is a combination of physical ailments—symptoms often include headaches, loss of concentration, general malaise and breathing problems. The cause: poor indoor air quality.
The less-than-clean air that contributes to sick house syndrome comes courtesy of a huge list of pollutants, which can be separated into three main groups: particles (lime and silica dust, lead paint chips, pet dander, carbon from burning fuels and candles, and mold and dust mites); fibers (asbestos, fiberglass, animal hair and carpet/textile fibers); and gases (such as paint and other caustic product solvents, and carbon monoxide).
These substances build up fast. They can either be inherent in the home, or tracked in on shoes and clothes (or via the family dog)—and they can adversely affect a person’s or family’s health. But don’t panic. Instead, take measures to reduce your exposure to the chemicals that cause sick house syndrome. Remember, this isn’t an exact science. Very few homes have absolutely no pollutants. The key is to reduce the number of pollutants as much as possible.
The following 11 steps will help you nurse your home back to health:
1. Use vacuums with HEPA filters. Your seafoam-green Electrolux from 1968 might be a swoopy retro design statement, but it’s not healthy to use anymore.
2. Use high-efficiency furnaces and hot-water heaters. Your local heating company can give you information on the newest, most efficient models.
3. Seal all gaps around your windows and doors. Some pollutants are tracked in on foot, but others float in through minuscule cracks.
4. Have your basement waterproofed to prevent mold from proliferating.
5. If you’ve been sleeping on your pillows for more than six months, there are probably enough dust mites on them to do the final dance number from a big Broadway musical. Change your pillows at least twice a year. And wash all bedding at least once a week—in hot water—to reduce the instance of allergens.
6. Avoid flannel pajamas as they contain synthetic fabrics that can house volatile compounds. While we’re on the subject of clothing—give all washable clothes you buy one wash, with Borax, before wearing.
7. When you’re buying your kids a toy, look for any labeling that indicates that Latex, neoprene or vinyl (PVC) is in it. If any of these substances are used, leave the item in the store. It’s not good for you—or your child.
8. When you’re done painting a room in your home, don’t store the paint for later use. Instead, write down the color name and number—most major paint companies have readily available touch-up containers in small sizes. (Similarly, don’t keep solvents, pesticides and fertilizers hanging around either).
9. Use doormats. Not only do they make people feel welcome—they whisk the germs off their feet before they have the chance to enter your home.
10. Whenever you can replace a porous surface with a smooth one, do so. A sleek leather rug collects fewer allergens than a loopy shag rug. Or, if you’re going low-budget—consider skipping the rug altogether.
11. Taking shorter showers is good for the environment, but it still exposes you to chlorine. Use a carbon filter on your showerhead to help reduce your exposure to chlorine and other harmful chemicals.
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