Showing posts with label advice. Show all posts
Showing posts with label advice. Show all posts

Thursday, January 21, 2016

What Does Your Living Room Say About You?


Your living room says more about you than any other room in your house—whether or not you want it to.

With most floor plans, it’s the first room guests are ushered into, and where they spend the most time schmoozing, hanging out, and generally soaking in your style. Some people are messy; others are obsessively organized. Some living rooms are closed off, others are open.
So what signals is your living room sending about you?

Open layout

If you actively sought out an open layout for your living room, it’s a good indication that you keep up with the hottest and most up-to-date architectural trends—or maybe you just inherently understand the vast appeal of a free-flowing floor plan. You’re an entertainer at heart, even if it’s just you and your spouse assembling fish tacos while keeping an eye on the Super Bowl (or maybe the latest episode of “Downton Abbey”), and you think communication and interaction trump private space. You don’t just tolerate controlled chaos—you thrive in it.

Neutral everywhere

You prefer a blank canvas, but it’s never boring. Neutrals are classic and crisp, immune to the variances of seasonal trends. You’re practical, down-to-earth, and easy to please—and happy to be a backdrop for others’ wild antics. But when it comes to décor, you’re not scared to throw in a few colors to liven things up.

Bright colors

Criticism? Haters gonna hate. Who cares! You’re bold and gregarious, eager to show off your tastes and don’t give a hoot whether your guests dig it or not. Your living space makes a proud statement—just like you. Like your décor, your personality is colorful and bright, if a bit overwhelming to the shy among us. (Don’t worry: We’ll come around.)

Metallic accents

You’re a glamour queen or king, full of sparkle and shine. You’re attracted toHollywood Regency, and we bet you’ve got a few bold pops of color tucked away in your bookshelves, too. You love attention and being the star of the show, but you’re happy to cede the stage to friends—after all, you want everyone to feel as glamorous as you.

Formal

You love big-time entertaining with an intellectual twist—from predinner cocktails, to four-course gourmet meals, to galas. We’ll bet we won’t find a single fingerprint on your polished glass cabinets. You’re  not just a clean freak—you’re also meticulous. You’re successful and urbane, and can argue your way through an economics debate without batting an eyelash.

Green thumb

If your shelves are covered in plants and you’ve swapped a gallery wall for a living wall, you’re more than a nature lover. You’re stable and well-balanced—assuming you keep those plants alive, of course—and you’re probably a great listener. You love long hikes and are eager to bring nature home with you.

Gallery wall over the couch

You’re a bit of a Pinterest addict, and you’re proud of the artwork investments you’ve made. There’s no denying your eye is impeccable, and you’re the master of finding the perfect piece at a garage sale—but now that your gallery is made, you’re not sure what blank wall to tackle next. Might we suggest the stairway?

Pristine surroundings

You probably don’t have kids, and if you do, gosh, they’re well-trained. You love order and arrangement, and we’d bet your personality tends toward Type A—you might be just a bit tightly wound. But the payoff is huge: Jaws drop when guests enter your stunning living room (even if they’re a bit nervous about knocking something over). Congrats, you’re the person whom people call when life becomes overwhelming.

A bit of clutter

Don’t let anyone call you a perfectionist. Free spirit, maybe. What’s a bit of a mess in the long run? You’re not a hoarder, but you don’t care if everything is perfect, either. Marie Kondo has no hold over you. You find a lot of joy in your possessions, and you’re proud of your home, but you don’t treat it like precious property.

No TV at all

You’re a bookworm, and that’s great. For you, entertainment is disappearing into a good novel, enjoying deep conversation with friends, or taking in a cup of tea and a warm fire with your pug Humbert at your side. Or maybe you just prefer bingeing on “Jessica Jones” on your laptop—after all, a giant TV can ruin a cozy living room.

Pillows and fluff

Some people might complain about stuffing your couch with throw pillows and fluffy blankets, but they’ve never known the joy of curling up in cozy heaven and chilling with a glass of wine. Comfort is your No. 1 priority—and if those pillows happen to perfectly complement your rug, that’s a bonus! Shine on, you downy dreamer.






Shared from:  http://www.realtor.com/advice/home-improvement/what-does-your-living-room-say-about-you/

Tuesday, January 19, 2016

7 Things People Forget to Do Before They Move


You packed everything perfectly, including that dining room chandelier, the big-screen TV, the vintage ’70s “Dukes of Hazzard” T-shirt collection. You even got your dog’s medical records from the vet. But something’s keeping you awake at night as your move draws nigh. You know you forgot something.
Don’t worry, keep packing. We assembled this handy checklist of things people often forget to do—or don’t even realize they should take care of—so you can make sure you’re covered and can move and settle down in your new digs with ease.

1 month before: Cancel recurring charges

Taking care of a gym membership or other subscription services may fall by the wayside during the madness leading up to moving day. Worse, those recurring charges will keep mounting on your credit card while you’re in the throes of unpacking. Get a jump on canceling these at least a month before your last expected day of use, especially since many gyms require a 30-day notice.
Can’t get out of your contract or transfer your gym membership to a facility by your new home? Sell it through online classifieds such as GymTransfer (yes, most gyms allow this!). Don’t forget to unload any prepaid class cards, too.
On the flip side, important recurring charges on your credit card—such as mail-order medications—might be canceled if your address change hasn’t caught up with billing information. So compile a list of charges and make the effort to call these companies and give them a heads up to avoid disruption in service.

2 weeks before: Call your car insurance company

The Department of Motor Vehicles advises people in the process of moving to closely manage their car insurance during the transition, as states have varying levels of required coverage. Even if you’re staying in the same city, rates can differ from neighborhood to neighborhood. So call your insurer well before the move to find out the parameters and deadlines for updating coverage at your new address.

2 weeks before: Change your address early

Most people know the U.S. Postal Service offers an online form to quickly change an address for all of your mail, but that doesn’t mean you should wait until the last minute to fill it out.
“To make sure mail arrives at your new home in time for your life there, complete the form about two weeks before your move,” says Desmond Lim, founder of QuikForce, an on-demand website that links people with professional movers. That way “you should see the first of your forwarded mail by the time of move-in.”

1 week before: Organize your finances

Important financial tasks are often forgotten in the whirlwind of moving, says consumer finance expert Kevin Gallegos, vice president of Phoenix operations for Freedom Financial Network. Since losing track of bills among piles of boxes is all too easy, Gallegos recommends setting up systems before a move that can easily transition from old home to new. For monthly bills such as phone, rent, or mortgage, it can really help to set them up for autopay, which you can typically do through your bank or the billing company.
“This can help ensure on-time payment during a hectic time,” he says. Whatever system you choose, decide which household member will be responsible for paying which bills. And as moving often incurs unexpected costs, be sure that you’ll have enough money in designated accounts at time of payment.

1 day before: Snap pictures of your electronics

Those cables in the back of your TV and modem that keep your life wired? They don’t make sense now and will make even less sense when they are tangled in a box. A simple solution is to snap a picture of the setup before you take your electronics apart—and coil the cords and label them with masking tape, for good measure.

1 day before: Pack your plants

Do you have a special plant (maybe that hydrangea you planted for your child’s birth or your mom’s prized azaleas)? To make sure you aren’t forced to leave it behind in your rush, make a list of what plants you want to take with you and put a plant plan in place. Don’t put your shovels into the moving van until the last minute—you’ll need them to carefully dig up root balls. Buy large buckets beforehand and use them to transport each plant.

1 day before: Stock a go-to box

Jen Sandlin, an agent with Cornerstone Real Estate in Boston, reminds movers to “set aside one box for the first 24 hours” in your new home. “Pack paper towels, cleaning supplies, clean sheets, towels, paper plates and silverware, toilet paper, and maybe even a bottle of bubbly to celebrate all your hard work, picnic-style.”



Shared from:  http://www.realtor.com/advice/move/things-to-do-before-moving-out/

10 Home Renovations That Offer the Best (and Worst) Return on Investment


Remodeling may be a labor of love, but it’s also an investment that can seriously boost the value of your home.  Only by how much? Well, according to Remodeling magazine’s 2016 Cost vs. Value Report, you’ll recoup an average of 64% of what you paid for a renovation if you sell your home this year.
To arrive at these figures, Remodeling asked consultants in various markets to estimate the average cost for 30 home improvement projects, from adding a bathroom to replacing a roof. Then, they asked real estate agents nationwide to estimate the expected resale value of these renovations so that readers could compare their out-of-pocket costs to how much money they’d get back when it came time to sell their home.
So, what projects gets you the most bang for your home renovation buck? It may not be nearly as sexy (or fun!) as adding a chef’s kitchen or glam bathroom, but attic insulation gets the top spot. That’s right: Stuff some fiberglass insulation into the walls of a 35-by-30-foot attic, and you’ll pay an average of $1,268. But when you sell, you will rake in $116.90 for every $100. For you math-challenged out there, that’s a recoup of 116.9% of your costs. It’s the only home reno on this year’s report that redeems more money than you spend!
The next best-paying renovation on the list: manufactured stone veneer, offering a respectable 92.9% return.
Meanwhile—sorry, luxury tub fans—the home improvement project that reaps the worst ROI is the addition of a bathroom, at 56.2% (although the “added value” of an extra bathroom for anyone who’s ever had to wait their turn for one is, of course, priceless).
Take-home lesson? If you’re looking for a general rule of thumb, it’s that less is more: Lower-cost projects  generally reap bigger returns, with four of the five projects that cost less than $5,000 ranking among the top five for money back when you sell.
Check out the best (and worst) returns for home renovations in the two charts below, including how much you’ll pay and get back if you sell your home this year.





Shared from:  http://www.realtor.com/advice/home-improvement/heres-how-much-remodeling-pays-off/

Thursday, December 10, 2015

After a Quiet Hurricane Season, Hunker Down in These Homes Before Next Year

concrete-house
Shubin + Donaldson Architects, Inc. via Houzz
This week marks the end of the traditional hurricane season, which we weathered pretty well here in the U.S. Despite a few close calls, 2015’s Atlantic hurricane season rated below average, thanks in part to El Niño.
That got us thinking: If we escaped Mother Nature’s wrath this year, are we in for a doozy next year? After all, the flip side of El Niño was that the Pacific had its second most active season on record.
Never fear! We’re already preparing for ways to hunker down in case of stormy weather or a zombie apocalypse.
In a hurricane, your home is challenged to withstand massive winds, heavy rainfall, flooding, and debris pelting down like shrapnel. That’s a lot to ask, which is why the prospect of living in a hurricane zone can be so terrifying.
Certain homes, however, fend off hurricanes better than others—through either their shape, construction materials, or other ingenious fortifications or architectural features. So if you’re home shopping in a hurricane zone and want an added layer of protection, look for these types of residences to feel a bit safer once those 100-mph winds hit.
Eclectic exterior by Wrightsville Beach photographers Rick Ricozzi Photography
Eclectic exterior by Wrightsville Beach photographers Rick Ricozzi Photography

Dome homes

Monolithic “dome homes” are akin to modern-day igloos, made of a solid piece of concrete that allows even strong winds to slide easily over the top of the home—which comes in handy during hurricanes.
“This is critical because in a hurricane buildings don’t get blown over, they get vacuumed up. The wind actually sucks part of the building along with it as it is leaving,” says Walter Sedovic, principal and CEO of Walter Sedovic Architects. But the dome won’t provide much protection against rising water, according to Sedovic. That makes these designs ideal for areas that are prone to high winds but not flooding.

———

Contemporary exterior by Brisbane building designers and drafters Ziegler Build
Contemporary exterior by Brisbane building designers and drafters Ziegler Build

Shipping containers

Shipping containers are touted by companies that build with them as hurricane-resistant; their heavy steel construction makes them resistant to wind and water of any sort. That comes in handy on the high seas, but it can also work wonders on land, too. What’s more, you can link multiple shipping containers like building blocks to make a home.
That said, quality matters.
“It really depends on how the containers were made,” says Sedovic. “If you’ve ever seen an accident with a tractor-trailer carrying those containers, you know those containers can split open.” Still, planted firmly on the ground, they sure stand a better chance than a wood shack.

———

Rustic exterior by South Deerfield architects & building designers Habitat Post & Beam
Rustic exterior by South Deerfield architects & building designers Habitat Post & Beam

Homes on stilts

Homes directly on the coast can escape the rising tide if they’re built on stilts—also called pilings or piers, depending on what part of the country you’re in.
“The principal reason is to allow a body of water that floods to pass underneath the building,” says Sedovic. This not only keeps the home and its belongings dry, it also helps it stay put. “It keeps the home from being washed away by a large mass of water,” he says.

———

Beach-style exterior by Clemmons design-build firms TOPSIDER HOMES
Beach-style exterior by Clemmons design-build firms TOPSIDER HOMES

Octagon homes

Octagon homes, like domes, allow wind to travel around the sides without much resistance. Plus, since these homes are typically on a pedestal, they offer flood protection, too.
Of course, there’s a downside to this type of design: If the home isn’t built right, it might turn into a liability more than a protection.
“If it’s lightweight, it might get blown into the next state,” says Sedovic. Instead of opting for cheaper, pre-fab models, homeowners should opt for designs using sturdier building materials such as reinforced steel.

———

Rustic exterior by Culver City architects & building designers Shubin + Donaldson Architects
Rustic exterior by Culver City architects & building designers Shubin + Donaldson Architects

Homes built from concrete and steel

Concrete and steel homes look like any other home on the outside: There are four straight walls, windows, and doors. However, storm protection is packed into the inside. With walls made of concrete and the roof and joists made of reinforced steel, the wind protection can be immense.
“Before, the tendency was for homes to be ripped apart at the seams as a result of the construction techniques that were employed, especially around the 1970s when coastal regions like Florida were in a housing boom,” Sedovic says. On the flip side, modern concrete and reinforced steel homes keep the corners of the home from ripping apart in high winds, offering more protection than siding or brick.


Shared from:  http://www.realtor.com/advice/buy/hurricane-resistant-homes/

Wednesday, December 9, 2015

5 Types of Properties That Make the Best Investments

When it comes to real estate, it's typical to hear that location is everything. While that is certainly a critical aspect of any real estate investment, so is the type of property you're considering purchasing. There are many kinds of property choices, both for those that produce income and those that don't, and each will have its own factors that help to determine whether or not it ends up being a successful venture. Though any investment involves some percentage of risk, there are certain properties that have less risk than others and generally yield a nice return. Below are the types of properties most people find to make the best investments.

OFFICE SPACE

As businesses in various industries continue to grow and flourish, there becomes an increased demand for office spaces. These properties are greatly desirable due to their common location in bustling downtown areas and big, impressive office parks. Owners of office real estate can make a generous profit with high rental rates and long term tenants in areas that enjoy a positive economic environment.

MULTI-FAMILY RESIDENTIAL

Multi-family residential units are often where newer real estate investors choose to place their money, and for good reason. As long as you find a property that is in good condition and in an appealing neighborhood with low vacancy rates and are able to fill it with credible tenants, this can be a fairly simple way to earn quite a bit of money over time, even more so than with commercial properties. It's a fact that people will always need a place to live, making it easy to keep spaces full while collecting a stable income.

SINGLE-FAMILY RENTAL

Just like its multi-family counterpart, owners of single-family rental properties can look forward to a nice, steady cash flow each month and to making a profit even after all expenses are taken care of. Rental properties can frequently be purchased for less than market value, and they give owners the chance to take advantage of some considerable tax deductions.

RETAIL

Retail locations may include stand-alone brick and mortar buildings or entire shopping centers. Oftentimes, in shopping center situations property owners find they fair much better if there is an adjacent retailer that is well-known and will draw large crowds, such as a Wal-Mart, Target, or grocery store. Something to keep in mind is that, although owning a retail property can seem high-risk since performance and sales are largely based on the prosperity of the economy, retail tenants usually sign longer leases and are less likely to relocate than companies renting office space.

INDUSTRIAL

Industrial properties can also be a good place to start for first-time real estate investors. Owners can typically count on lower operating expenses, less hands-on management, and require smaller amounts of money to invest. These properties are utilized for a wide range of industrial uses and must be functional for its specific purpose, sometimes needing office build-outs and a large outdoor space.

Whichever type of property you choose to invest your time, money and efforts in, you will want to consider the neighborhood, property taxes, crime rate, local job opportunities, number of nearby vacancies and future development plans for the area. All of these factors will play a significant role in how successful your real estate investment turns out to be.




Shared from:  http://accuplan.realtytimes.com/advicefromtheexpert1/item/40725-5-types-of-properties-that-make-the-best-investments

Monday, November 30, 2015

My Movers Damaged My Landlord’s Property—Am I Responsible?


Moving day is always a pain, but it can be infinitely more so if you damage your landlord’s property while trying to skedaddle out of there with all your stuff. And It’s even worse if you aren’t the one who broke the $500 picture window.
If your mover was at fault, it should offer to pay—but things aren’t always that simple. Here’s what happens when movers won’t pony up.

Your landlord has the right to come after you

Don’t expect your landlord to do the legwork of filing a claim. You hired the movers and invited them into the property—from the landlord’s point of view, it’s your responsibility to pay for damages. So you might have to eat the security deposit while you try to get the money back from the moving company.

You’ll have to review your insurance—and theirs

Yeah, we know—you did the responsible thing and took out insurance to cover your goods. Right? The problem is it covers only your goods.
Typical insurance provided during a move—such as coverage of 60 cents per pound, per item— “would not cover any damage done to the landlord’s building or property,” says Kim Weaver, compliance manager at Relocation Insurance Group in St. Louis, MO.
Instead, the moving company would have to use its general liability insurance, or its auto insurance if the damage was done by vehicle. Some companies may have only cargo and auto insurance. When choosing a mover, you should search the U.S. Department of Transportation’s licensing and insurance page for any companies you’re considering, Weaver recommends. There, you can view details about what types of insurance the company is registered for.
Just don’t assume a mover has general liability insurance.
“In my experience, to get licensed in most areas, a mover has to have insurance,” says Troy Doucet, lawyer and owner of Doucet & Associates in Dublin, OH. “That doesn’t mean everyone has insurance.”
And therein lies another problem: If movers don’t have insurance—or are operating illegally—they probably don’t want you to find them. So how in the world can you get them to pay?

You try to track them down

If you used an unscrupulous mover, your “options for pursuing reimbursement will be limited,” says Pete Johnson, co-founder ofHireAHelper based in Oceanside, CA.
“The customer could tell the moving company they’re planning to take the issue to small-claims court,” Johnson says. “It might produce results and, if it doesn’t, then they can go ahead and file if they have an address for them.”
That’s a big “if.” Even otherwise official-looking movers may have websites without an office location or employee names listed, making it difficult or impossible to track them down. But if you can, here’s what you should do:
  • Review copies of all the forms you signed (the moving company is required to give you copies, so make sure you hang on to them). Did you sign a liability waiver? Even if you did, “it may not be enforceable in your state,” says Alicia Dearn, CEO of Bellatrix Law and trial lawyer. This means the company may have tried to trick you into backing down.
  • Get a lawyer—if only for a letter threatening litigation. “A situation like this is best resolved by negotiation—a letter from a lawyer can really work wonders in these disputes,” Dearn says.
  • Photograph the damage for evidence.
  • File a consumer complaint with the state’s attorney general office.

If the mover still refuses to pay, you’ll be looking at settling in small-claims court—it’s up to you to weigh the cost and decide if it’s worth pursuing.




Shared from:  http://www.realtor.com/advice/move/movers-damaged-my-landlords-property/

Thursday, November 12, 2015

Home Design Tips from Ellen


Who knew? Ellen DeGeneres isn’t just an affable talk-show host and beloved comedian. She’s also an extremely prolific home designer and house flipper, as shown in her new book, “Home.”

“I wanted to be an interior designer when I was 13,” DeGeneres admits in her book—which explains why, over the past 25 years, she has bought and renovated nearly a dozen homes. Each home was an adventure and an education, she recalls. Below, from her book, are a few lessons she’s learned, as well as gorgeous photos of her interiors that illustrate her points.

Neutral colors make the best palette

“I like neutral colors with stronger colors in art, pillows, or a nice throw. Big color statements on walls or furniture can be fun, but limit the possibility of changes.”

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Get a chalkboard in your kitchen

“Chalkboards make a great, fun statement in a home. You can draw on them or use them practically to make lists or write notes. You can write something like, ‘Remember to put away your shoes,’ just as a random, not-specific-to-my-life example.”
Ellen DeGeneres's horse ranch north of Los Angeles

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Less is more

“When finishing a room, I find it’s often useful to take one thing away. I always want to make sure it doesn’t look overdone or fussy.”
Ellen DeGeneres's spa at the Brody House in Holmby Hills, CA

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Go vintage

“Vintage fabrics can help personalize your home. They can be used for throw pillows, upholstery on a headboard—even a dog bed.”
A bedroom at the "BirdHouse," Ellen DeGeneres's ranch home in Los Angeles.

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Let there be light—lots of it

“Every room needs more than one light source. Lighting can be harsh or insufficient if you just rely on ceiling lighting. I like soft, even lighting, and I think floor and table lamps are essential to creating the right mood.”
A bedroom at the "BirdHouse," Ellen DeGeneres's ranch home in Los Angeles.
DeGeneres's Tuscanite villa in Santa Barbara, CA




Shared from:  http://www.realtor.com/advice/home-improvement/five-home-design-secrets-from-ellen-degeneres/

Friday, November 6, 2015

14 Foolproof Ways to Lower Your Living Expenses


We've all been there. Can't resist the new model year of your current car. Hey, it's only an extra $90 per month (plus an insurance bump of $37 a month, but who's counting?). Seduced by the cushy sectional that would pull the whole living room together and will only cost $60 per month. That great deal for upgraded Internet and all the move channels. What's another $23 a month?
Problem is, before you know it you're sinking in bills and your monthly payments have become a burden. Here are 14 ways to lower your monthly nut and get back to stress-free living.
1. Renegotiate everything
That means cable/satellite, phone and cell phone contracts, Internet service, bank fees, even your gym membership. You never know what's possible until you ask.
2. Lower your credit card rate
If you have decent credit, you might be able get your credit card company to lower your rate and/or maybe get rid of some of the fees. Transferring a balance to a card with a lower rate is another good trick for lowering payments and doesn't even require you to ask a representative for anything.
"If you don't have an account with a lower rate, shop for one," said CreditCards.com. "Also, see if an offer for a balance transfer might provide a lower rate. Before jumping at a balance transfer offer, though, run the numbers on a balance transfer calculator to make sure the deal makes sense after you consider the fees and the duration of the teaser rate."
3. Cut the cord
You could opt to get rid of your cable or satellite altogether and use streaming services instead. It's a growing option that can save you a good amount of money while still providing a wide variety of viewing options. For example: "Netflix and Hulu Plus both cost $7.99 per month each, while Amazon Instant Video will cost you $99 per year, which is $8.25 per month," said GottaBe Mobile. "This means the total cost for these three services all together would be $24.23 per month, which is a lot less than you'll ever pay for a cable subscription."

GIZMODO
How does that compare with your current bill? It's about one-sixth of what we're currently paying. Calling DISH in 3...2...1...
You can get more info about cutting the cord here.
4. Refinance your house
If you have enough equity in your house and rates have dropped since you bought (or refinanced the last time), you might be able to refi and lower your monthly payment. Remember that refinancing will add to what you owe, so if you were trying to pay your home off quickly, this would be counterintuitive.
5. Refinance your car
Refinancing your car could save you "hundreds of dollars each year and sometimes thousands over the life of the loan," said Bankrate. But only if you do it under the right circumstances. Check out their "5 situations when it makes the most sense to refinance your car" to see if you meet the criteria.

Drive Sure
6. Do a leak check
A leaky home is one you're paying too much for in heating and cooling bills. Do an energy audit to check for drafts coming in through window or under doors, among other places, and you could save more than $1,000, said RH Foster Energy.
7. Eat in
Or, at least bring your lunch to work a few days a week. According to Jeff Yeager, author of "The Cheapskate Next Door, a family that commits to eating at home can save $3,000 in one year and eat just as well," said ABC News.
8. Carpool
"The Daily Green calculated that the average American uses about 7 gallons of gas per week commuting to and from work," said abc News. "Share your ride and the gas bill with just one friend, you each save $650 a year. If four of you carpool, you each save nearly $1,000."
9. Shop smart
One of the greatest sources of waste in our household? Food that has to be throw away at the end of the week because it's gone bad. And we're not alone. USA Today says Americans trash $640 worth of food every year.

Nourishing the Planet
Meal plan, buy only what you need for a few days and hit the market again mid week, use coupons, freeze leftovers - all of these tips will help.
10. Check your balance
Hidden costs may be lurking - memberships you didn't realize you still had, anything you put on autopay that you're no longer using, old dating sites, gaming and iTunes charges you're unaware your kids are making. Look over your bank and credit card balances carefully to eliminate the riffraff.
11. Buy store brands
Some might be close to or equal to the name brand stuff you're buying. "Store brands often cost 25 to 30 percent less than name brand equivalents, which is an added benefit for customers," said CheatSheet. They can help you figure out which store brands are worth it, and when you should stick to the name brand.
12. Pay insurance and other bulk payments in full
Yes, coming up with large chunks of cash to pay for car insurance, home insurance, and home warranties can be rough. But some of these may end up costing you more if you have to pay a "convenience fee" for splitting up the payments.
13. Clear out the clutter
You know what they say: One man's trash is another man's treasure. Do a sweep of your home, setting aside anything you don't need or want anymore. Whether you list it on eBay or Craigslist, have a yard sale, take any acceptable items to a resale store, or all of the above, you may be surprised at how much money you can make for stuff you didn't even like anymore.
14. Donate!
You won't get paid for donating your old clothes, household items, and the like, but you will get a tax write-off at tax time. Be sure to get or complete an itemized receipt.




Shared from:  http://realtytimes.com/consumeradvice/homeownersadvice1/item/39843-20151105-14-foolproof-ways-to-lower-your-living-expenses

Friday, October 30, 2015

Selling Your Home? Better Make Sure It’s Clean Before Moving Out!


Let’s face it: Now that you’ve found a buyer and scheduled the closing, you’re ready to be done with your old home. A clean break! The last thing you want to do is spend the weekend deep cleaning the place for someone else to enjoy. Besides, would it even matter?

Actually, yes, it does matter.

We feel for you—the temptation to skip out on those last few cleaning chores is strong. But don’t give in. How dirty you leave your home isn’t just about etiquette—it could also cause problems with the sale of your home.
While buyers may forgive you if you forget to sweep under the stove, more serious offenses can have serious consequences. Check your contract: Some sellers may stipulate that the place be spotless by the time they move in. If you agree to this (verbally or in writing) and don’t live up to your end of the bargain, you could be at risk for a lawsuit.
So if you leave a pile of filth, the new owner could delay closing—or even bail on the sale altogether.
“In a rare case I had someone walk away from the sale because of the condition of the home at the final walk-through,” says Darbi McGlone, a Realtor® in Baton Rouge, LA.
Odds are your buyer will be incredibly stressed out by closing day, and you don’t want to make matters any worse.
“It could be the straw that breaks the camel’s back,” McGlone says.
So, what are you waiting for? Let’s bust out the yellow rubber gloves and get to work.

Work from the top down

When it comes to cleaning, starting early is easiest.
“I recommend doing a good scrubbing and decluttering before putting the house on the market—it can be very stressful to do at the last minute,” says Wendy Wrzos, certified interior redesign specialist and founder of The Blue Giraffe, a home staging and redesign company in New Jersey.
But if you didn’t start early, don’t panic. If you attack the job with a plan, it’ll get done faster. Try to clean room by room, working from the top down.
Dust the ceiling fans, wipe down the walls, and then sweep, vacuum, or mop. Clean the refrigerator (if it’s staying behind), and give a once-over to the oven and stove—including the drip pans. Check the air vents for filth or mold—and if you spot any, call in a professional. This won’t be a standard broom cleaning.
Once you’re done with one space, move on to the next. And don’t forget the details.
“Light fixtures are rarely cleaned,” McGlone says. “Wiping down cabinets and drawers inside and out would be nice also—not many sellers ever do it.​”

Take a deep breath

Cleanliness isn’t the only thing you have to worry about before the final walk-through.
“The first thing buyers always notice when they walk inside is if your home has any less-than-appealing smells, whether it is cat litter, a wet dog, garbage, or the fish you cooked two nights ago for dinner,” Wrzos says.
Reality check: Any strange odors—even if temporary—will make the buyers think the home is dirty. (And they may be right.)
Even if you’ve already moved out, go back into the home for a quick sniff before the walk-through. Bring a friend who might not be as nose-blind to your old home as you are, and ask for an honest opinion.
Air fresheners can minimize lingering odors, of course, but you can also try these innovative tips and tricks. When all else fails, call in a deodorization pro. Yes, they exist.

Take everything with you

Many sellers leave behind personal items, because either they think the new owner may get use out of them or they just don’t want to deal with them. But here’s the thing: “No one wants your old shower curtain and matching trash can,” McGlone says.
Unless the buyer specifically asked for something, take everything with you. Double-check attics, basements, storage closets, and the garage for anything you might have missed.





Shared from:  http://www.realtor.com/advice/sell/how-clean-should-sellers-leave-a-home-before-moving-out/