Tips for Protecting Your Identity during the Holidays

Identity theft is a problem any time of the year. But, while consumers are focused on giving during the holidays, crooks are focused on taking. If there’s one thing consumers don’t need, it is dealing with identity theft during the holidays. The National Foundation for Credit Counseling (NFCC) offers the following tips to help consumers protect themselves during the busy holiday season:

• Be aware of your surroundings. Sidewalks and malls will be crowded and shoppers will be distracted—the perfect combination for a pick-pocket. If someone bumps into you, don’t assume it was an accident. Women should clutch purses closely at their side or in front of them with the wallet hidden at the bottom. Men should stow wallets in an inside coat pocket.
• Don’t carry large sums of cash. Charge your purchases or use a debit card. Just remember that credit cards offer some protections that debit cards don’t. When you use a credit card, you can dispute a purchase before paying for it. With a debit card, the money is removed from your account at the time of the purchase. A thief can wipe out your checking or savings account before you ever realize the theft has taken place
• Guard your PIN number at the ATM. Be aware of anyone lurking around the ATM, and if someone is standing too close, simply ask him or her to step back. Thieves can also install devices that read your information at the ATM without you knowing it. If you notice anything unusual about the ATM, use a different one, and report what you’ve seen to the bank.
• Don’t let your credit card out of your sight. Unscrupulous clerks or waiters can copy your card information or swipe your card into a second card reader and later make a new credit card for themselves. Worse yet, they can sell your information to an organized crime ring.
• Lighten your wallet. Remove anything from your wallet that you don’t absolutely need to have with you. That way, if someone is successful in stealing it, they won’t get as much. Never carry your Social Security card with you, but check other cards that might use your SS# as an identifier. If you’re not going to be using your checkbook, leave it at home.
• Make copies of your credit cards. Copy both sides of all your cards. If you lose your wallet, you’ll have easy access to all of your account numbers and phone numbers, allowing you to alert your bank immediately.
• Keep up with all receipts. Not only will you need them to make returns easily, but crooks are very interested in stealing the information they contain. Never stuff the receipts into your car visor or leave them exposed in any way.
• Open your credit card statements as soon as they arrive. Check the bill for any unauthorized purchases. Even better, keep a watchful eye on your accounts by going online and reviewing your accounts each week. If you notice anything out of the ordinary, report it immediately to your bank. Doing so will likely remove any payment responsibility you might have for fraudulent purchases.
• Secure all personal information even while at home. Unfortunately, many times an ID thief is someone we know. During the holidays, you may have guests in your home. Remove temptation by putting personal information out of sight.
• Consider signing up for a credit monitoring service. Such services alert you via email anytime there is an inquiry or other activity to your credit report. In other words, if someone tries to open an account in your name, you’ll know about it. Such services are offered by all of the major credit reporting bureaus, and could be money well-spent.
• Order your credit report. Consumers are allowed one free credit report every 12 months from each of the three bureaus. Order a report now from one bureau, and order another one in January from a different bureau. This will give you a good snapshot of activity and will alert you to anything unusual.

In spite of all your efforts, if you are victimized by ID theft, contact an NFCC Member Agency for help. Their certified counselors can walk you through the steps to recovery. To find the agency closest to you, dial (800) 388-2227, or go online www.DebtAdvice.org. To locate a Spanish speaking counselor, call (800) 682-9832.

For more information and tips about identity theft visit NFCC at www.ProtectYourIDNow.org.

Avoiding Conflict with the Neighbors

We all can just get along. The key? Communication. It’s often the best way to prevent and resolve conflict before it reaches the legal system. You don’t have to be friends or spend time together to achieve a peaceful coexistence, but you should try to be a good neighbor and follow these tips:

Say hello. At the mailbox, while walking the dog or when you see a moving van arrive, introduce yourself. Learn your neighbors’ names and regularly offer a friendly greeting.

Provide a heads up. If you’re planning a construction project, altering your landscaping or hosting a big party, contact your neighbors beforehand.

Do unto others. Treat neighbors as you would like to be treated. Be considerate about noise from vehicles, stereos, pets, etc.

Know your differences. Make an effort to understand each other. Differences in age, ethnic background and years in the neighborhood can lead to different expectations or misunderstandings.

Consider the view. Keep areas of your property that others can see presentable.

Appreciate them. If the neighbors do something you like, let them know. They’ll be pleased you noticed, and it’ll be easier to talk later if they do something you don’t like.

Stay positive. Most people don't try to create problems. If a neighbor does something that irritates you, don’t assume it was deliberate.

Talk honestly. Tolerance is important, but don’t let a real irritation go because it seems unimportant or hard to discuss. Let your neighbors know if something they do annoys.

Be respectful. Talk directly to your neighbors if there’s a problem. Gossiping with others can damage relationships and create trouble.

Remain calm. If a neighbor mentions a problem they have with you, thank them for the input. You don’t have to agree or justify any behavior. Wait for any anger to subside before responding.

Listen carefully. When discussing a problem, try to understand your neighbor’s position and why he or she feels that way.

Take your time. Take a break to think about what you and your neighbor have discussed. Arrange to finish the conversation at another time.

Prepare Your Home for Winter

Fall is the time to prepare for winter—cold and wet conditions not only make you miserable, but they can damage your home. Some winterizing can wait, some can’t. Make a list of what needs to be done, and tackle the time-sensitive tasks first. Here’s a simple checklist to help you get a jump on winter.

Indoor Winterizing

• Examine doors and replace weather-stripping as needed.
• Examine window caulking and reseal where needed.
• Examine and repair vents where needed.
• Clean chimneys and flues.
• Remove items near heat vents.
• Place nonskid runners or door mats outside to help keep water, sand and salt out of the house.

Outdoor Winterizing

• Cut back tree branches and shrubs that hide signs or block light.
• Examine outdoor handrails and tighten if needed.
• Turn off electrical breakers for outdoor equipment.
• Close hose bibs.
• Clean out gutters and downspouts.
• Clear yard drains.
• Spray outdoor locks and hinges with lubricant.
• Stake driveway and walkway edges that may be difficult to find under deep snow.

Assemble, stockpile or refresh winter supplies:

• Batteries
• Candles and matches
• Ice melt and deicer
• Sand
• Snow shovels
• Generator fuel
• Antifreeze

Have a Safe Halloween!

Halloween is a kid’s delight. It’s a blast to dress up in costumes, go trick-or-treating, attend parties and, most of all, eat candy.

At the same time, Halloween can be scary for parents. Costumes can be dangerous, too much candy can be sickening and walking around at night can be risky.

The Centers for Disease Control and Prevention offer these tips (in anagram form) to make sure your little ghouls and goblins have a safe Halloween:

S – Swords, knives and similar costume accessories should be short, soft and flexible.

A – Avoid trick-or-treating alone. Children should walk in groups or with a trusted adult.

F – Fasten reflective tape to costumes and bags to help drivers see trick-or-treaters.

E – Examine all treats for choking hazards and tampering before they’re eaten.

H – Hold a flashlight while trick-or-treating to help see and help others see you.

A – Always test make-up in a small area first. Remove it when done to avoid skin irritation.

L – Look both ways before crossing the street. Use established crosswalks wherever possible.

L – Lower the risk for serious eye injury by avoiding decorative contact lenses.

O – Only walk on sidewalks or on the far edge of the road facing traffic to stay safe.

W – Wear well-fitting masks, costumes and shoes to avoid blocked vision, trips and falls.

E – Eat only factory-wrapped candy. Avoid eating homemade treats unless you know the cook.

E – Enter homes only if you’re with a trusted adult.

N – Never walk near lit candles or other open flames. Be sure to wear flame-resistant costumes.

If you’re hosting a party or expecting trick-or-treaters:

• Provide healthy treats, such as individual packs of raisins, trail mix or pretzels. Offer fruits, vegetables and cheeses to party guests.

• Use party games and trick-or-treating as an opportunity for kids to get their daily dose of 60 minutes of physical activity.

• Be sure walking areas and stairs are well-lit and free of obstacles that could cause falls.

• Keep candle-lit jack-o-lanterns and other open flames away from doorsteps, walkways, landings and curtains. Place them on sturdy tables, keep them out of reach of pets and small children and never leave them unattended.

• Drive safely and watch out for trick-or-treaters.

Sounds Like a Good Idea

Noise is a concern for every resident and because you live in a community, it’s important to understand that some degree of noise is to be expected. At the same time, residents need to consider the consequences of their noisy behavior. To keep everyone happy and maintain civility among neighbors, it's best for all involved to take a few steps to reduce or eliminate annoying noise.

Be kind and respectful.

A little common courtesy makes a big difference. Keep your music and television at reasonable levels, do your vacuuming before bedtime, and before remodeling, check with the manager about acceptable hours and days of the week that work can be done. If you put in hardwood or tile flooring, use a sound-reducing underlayment. Move your noisy appliance away from walls and put sound-absorbing material underneath before your neighbors complain.

Keep a log.

If you’re disturbed by a noise problem, note the times and the nature of the noise. Ask the manager to listen and verify the noise as well. There may be a pattern in the noise that can be adjusted.

Visit your neighbor.

If your neighbor is the source of the noise, try a friendly chat. Sometimes people just don’t realize how noise is affecting others. People are usually considerate once they realize they’re disturbing others. And, if your neighbor knocks on your door, listen politely and be willing to made changes to reduce your own noise.

Contact the manager.

If a polite request doesn’t change your neighbor’s noisiness, it may be time to ask the manager for help.  Have your noise log ready, including attempts to solve the problem yourself.

Reducing noise sounds like a good idea. A quiet, peaceful community, relatively speaking, is a happy community.

Finding a Reputable Contractor

Finding a contractor who will perform quality work at a reasonable price can be a daunting task. It’s always a good idea to ask for and check references and to contact the Better Business Bureau and your state licensing bureau to see if there are complaints against a prospective contractor. In addition, the following warning signs can alert you to unscrupulous, disorganized, inexperienced or financially troubled contractors who may deliver broken promises, bad work and blown budgets rather than professional results.

First Impressions

In any business, first impressions are important. How a contractor presents himself and maintains his truck, tools and equipment are good indicators of how well he’ll take care of you and your job. He should look neat and professional, and his vehicles and equipment should be clean and in good repair.

Beware Low Bids

Price is always an important consideration when selecting a contractor, but don’t let a low price or a special deal blind you to a potential problem—both can be signs that you should be wary. A bid far lower than others may indicate the contractor isn’t experienced enough to know the actual cost of the job or he never intends to finish the work. Disreputable contractors may bid low to secure a contract and then tack on extra charges as the job progresses.

Take Your Time

If you are pressured during the bidding process by tactics such as “limited-time offers,” look for a different contractor. Hiring a contractor is not a split-second decision; for this reason, many states give homeowners three days to cancel a home improvement contract — without obligation — after signing it. A prospective contractor should take his time as well, carefully reviewing the specifications of your job before submitting his bid. If he doesn't take notes and measurements and make material and labor calculations, or if he simply names a price based on a similar job, he may not be detail-oriented or thorough enough to do a good job.

Beware Materials Discount

A prospective contractor may offer you a discount, hoping to earn your future business following a job well done, but be wary if a contractor offers materials at a discounted rate. Small contractors rarely buy materials in the high volumes necessary to yield big discounts, and unless they severely overestimated quantities for a previous job, they rarely stock large inventories of material. Discounted materials are usually seconds, ungraded or below-grade minimums for code, any of which would compromise the quality of your project.

Only 20% Up Front

While the price may be right, what about the terms of payment? In general, don’t choose a contractor who asks for more than 20 percent of the total cost of a job up front. While some projects require a large initial payment to cover a deposit for products like cabinets or special-order ceramic tile, it doesn’t apply to commodity materials like roofing and lumber, which a legitimate contractor will usually purchase on account with at least 30 days to pay.

Beware Cash-Only Jobs

Finally, a contractor who works on a cash-only basis raises a big red flag. Not only does paying in cash limit your financial recourse if problems arise, the contractor is likely not operating a legitimate business, which includes paying taxes and insurance. Look elsewhere for a professional to perform the work.

Chimney Safety

There’s nothing as serene as a warm, crackling fire on a cold, winter night. There’s also nothing more dangerous if your chimney is damaged.

Broken or cracked chimneys can let heat, smoke and toxic gasses, such as carbon monoxide, into your home. Your home could even catch fire. Chimney damage is often obvious, but sometimes it can be hidden. Use the following checklist, provided by Ready Virginia!, to help ensure that you can enjoy your fireplace and avoid problems—or even a disaster:

• Check to see if bricks have fallen or the chimney is leaning.
• Look for shiny areas on your exterior metal chimney pipe. This could mean the chimney has shifted—during the recent East Coast earthquake, for instance.
• Look for cracks at joints where the chimney connects to the firebox, at the roofline and in the attic.
• Check for debris that may have fallen into the fireplace.
• Use a screwdriver to check the mortar between the bricks or stones. If it crumbles when you pick at it, the chimney may be a hazard and probably needs work.
• When in doubt, consult a licensed engineer or contractor. For the name of an inspector, call your insurance or mortgage company.

Remember, disasters can happen even in the best of homes. That’s why every home should be equipped with carbon monoxide and smoke detectors. Here are a few tips:

• Install carbon monoxide and smoke detectors in sleeping areas and on every level of your home and away from air vents. Interconnected smoke alarms are best, because if one sounds, they all sound.
• Test smoke alarms monthly, and change alkaline batteries at least once a year. Use a familiar date, such as your birthday or when you change your clocks, as a reminder.
• Prepare and practice a fire escape route with everyone in your home, including children.

For more information, visit www.usfa.dhs.gov/smokealarms.

Flooding: How to Protect Your Family & Finances

In many areas, flooding is the most common and costly natural disaster—and it can happen here. Just one inch of water in your home or office can cost thousands of dollars in cleanup and replacement costs, including drywall, baseboards, floor coverings and furniture. You may think you’re covered, but many homeowners’ insurance policies do not cover flooding.

Here are several reasons to talk to an insurance agent now about flood insurance.

• There is usually a 30-day waiting period before coverage begins.
• Coverage is relatively inexpensive.
• Renters can buy flood insurance .for personal belongings or business inventory.
• Basement coverage includes cleanup expense and repair or replacement of items such as furnaces, water heaters, washers, dryers, air conditioners, freezers and pumps.
• You do not have to repay flood insurance benefits as you do with disaster-related assistance loans.
• You can receive payments for flood-related losses even if no disaster was declared.

Learn more about flood insurance at www.floodsmart.gov.

There are things you can do to prepare your home and family now for flash floods:

• Make a family emergency plan. Emergency preparedness is everyone’s responsibility. Write down your plan. Decide ahead of time where you will go if you have to leave and where family members will meet up. Identify an out-of-town emergency contact. 
• Get supplies for an emergency kit. Start with three days’ water and three days’ packaged and canned food. Add a battery-powered radio and extra batteries. Store in waterproof containers with wheels or that you can lift so you can take them with you. For details about preparing an emergency kit, visit www.ready.gov/america/beinformed/floods.html
• Stay informed about what could happen. During storm season, listen to local media for up-to-date reports on weather watches and warnings. Keep a battery-powered portable radio—with a NOAA weather band—handy in case the power goes out. Choose one.

Learn more about preparedness at www.ready.gov/america/beinformed/floods.html.

Maintain Your Yard Safely

Properly maintaining your yard helps your home and our community look good. Just make sure that safety is a priority when undertaking your landscaping efforts:

• Clear sticks and debris before you mow. Random debris kicked up by a lawn mower can seriously injure you and those around you. Also, mowing debris shortens the life of your mower and dulls the blade.
• Replace the cord on your weed trimmer. Your trimming will be safer if you have strong trimmer cords. Always wear eye protection when using a trimmer. 
• Maintain your lawnmower in top working condition. If you find yourself mowing the same areas again and again, it’s time to inspect your lawnmower. Keep a maintenance checklist of important components like air filters, blades and oil.
• Keep plants and shrubs about five feet from foundation walls, and keep trees at least six to 20 feet away, depending on their size. Plant roots that are too close to the foundation not only cause damage to the structure, but may also attract bugs and mold into your home since they tend to hold moisture.

How to Make Sure You Are Heard at Membership Meetings

All association members have a right to be heard at membership meetings by presenting, seconding, debating and voting on a motion. A motion is a proposal that our membership take action or a position on a specific topic or issue.

To make a motion, wait until the previous person has finished speaking, then stand and address the chair by stating your name. "Mr. Chairman (or Madame President), my name is…." When the chair recognizes or acknowledges you, state your motion clearly and concisely. "I move that our community … ."

Once you have stated your motion, another member should second it so that debate and discussion on the issue can commence. If no one seconds it, your motion will not be considered. Once it is seconded, the chair will announce the motion so it can either be discussed or voted on.

If the topic is one that will be discussed or debated before voting occurs, then, as the person who introduced the motion, you are allowed to speak first. Direct your comments to the chair and briefly explain the motion. You and other speakers participating in the discussion should respect any predetermined time limit for comments. You may also be the last to speak on the matter.

Voting on the motion can take place when the discussion or debate is completed and the chair asks, "Are you ready for the question?" Members can vote by a show of hands, roll call or ballot. General consent, which assumes consensus that there's no opposition to the motion, is another method of voting. The chair announces, "If there is no objection …," and members show their consent by their silence. Those who oppose the motion should speak out politely but audibly, "I object."

Then the chair announces the results of the vote.

What's a Motion?

A motion is a proposal that the association's membership take action or a position on a specific topic or issue. The following are six types of motions anyone who is a member can make at an association membership meeting:

1. Main motions introduce a specific topic for consideration and cannot be made while another motion is before the group.
2. Subsidiary motions amend or change how to handle a motion that’s already being considered. A subsidiary motion is voted on before the motion it affects is voted on.
3. Privileged motions represent urgent or important matters that take precedence over regular or pending business.
4. Incidental motions are responses to procedure and must be considered before a main motion. 
5. Reconsidered motions generally are brought up when there is no other pending business so that the membership can revisit an unresolved issue.
6. A pending motion is one that has been stated by the chair but has not yet been brought to a vote.

Home-Improvement Apps: Tools You Need—In Your Pocket

Ready to tackle a few home improvement projects? There's an app for that.

Houzz Interior Design Ideas

This highly-rated app—4.5 out of 5 stars in the Apple store—lets you discover ideas for your home through a large database of design ideas. You can browse photos by style, room and location, and save them to a virtual idea book. You can also find product and local professionals, and read articles by renovation experts. You can save your ideas for offline access and ask for advice from the app's community. Available free in both Apple and Android stores.

MyPantone

There are many paint color apps, but this one lets you save colors based on their PANTONE ID and create colors palettes from inspiration. You'll be able to share the exact hue you like with designers, manufacturers, family and friends. It suggests complementary colors too. Available for $9.99 in the Apple store and $7.99 in the Android store.

iHandy Carpenter

This app turns your phone into the tools you need to complete your improvement project. It features:

• A surface level
• A bubble level bar
• A protractor to measure angles from 0 to 180 degrees
• A ruler with both inches and centimeter readings
• A plumb bob to verify the verticality of lines or walls

Once calibrated, the plumb bob, surface level and level bar also can be used as an inclinometer/clinometer by reading the angles on the screen. Available for $1.99 in both Apple and Android stores.

Keep Your Backyard Bug Free--Naturally!

Summer is the time for barbecue parties and sleeping under the stars, but bothersome bugs can ruin outdoor fun. Many people spray themselves and their lawns with chemical repellants to get rid of these pests, but there are natural alternatives that are environmentally friendly to your home and association. Here are a few tips to help you enjoy a bug-free summer.

Get growing. Planting a simple garden can do wonders in keeping the bug count down. Plants like garlic, radishes, marigolds, nasturtium, oregano, sage, rosemary, cilantro and mint are easy to cultivate and can make the area in and around your garden uninviting to the creepy crawlers, as they act as natural bug repellants. Pest-control never looked or tasted so good!

Wet and wild. Eliminate stagnate or standing water in your yard; it provides breeding grounds for mosquitoes. Emptying used kiddy pools and fountains and refilling them with fresh water, cleaning gutters of leaves and other rain-blocking debris and filling in puddles with dirt are just some of the ways to reduce the buzzing bugs in your yard.

Going to the birds. Setting up a few bird houses in your yard is not only a great way to enjoy the beauty of our feathered friends, but it also mitigates bug problems, since many birds love to dine on dragonflies, dung beetles and the ilk.

Candle in the wind. When outdoors, ignite an all-natural bug repellant candle nearby to keep the bugs at bay, and enjoy the sweet smell of citronella, lavender, mint and other aromas that pests find repugnant. Brands such as BioSensory, Solay, Melo and Yankee Candle have jumped onto the debugging bandwagon and offer eco-conscious candles.

Light up the night. Many high-flying insects are drawn to light like a moth to the…you get the idea. So, why not install an elevated yellow bug light on your back porch or deck to attract those critters up and away from the ground (and you!) when you spend an evening outdoors. Of course, be sure to review the CC&Rs or talk with to an association representative to make sure your bug lights are in compliance with the rules.

How to Be a Good Neighbor

A little consideration goes a long way. Read the following tips from eHow.com on how to be a good neighbor beyond just a smile and a wave.

• Welcome any new neighbors with a personal note or pop by for a personal introduction.
• Make sure that the outside of your home—along with the grounds—is well-kept and complies with the association's CC&Rs.
• Be mindful of noise—loud music, barking dogs, power tools—that may disrupt the neighborhood beyond a reasonable hour.
• If you have a large party, consider your neighbors when directing your guests where to park, end the party at a reasonable hour and invite your neighbors to join in the fun.
• Return anything you borrow from your neighbor promptly, in the same condition they lent it to you, and express your thanks.
• Replace anything of your neighbor's that you, your children or your pets break or soil.
• Respect your neighbor's privacy.
• Offer to take care of mail pick-up, plants or pets while your neighbor is on vacation.
• Be social! Inviting a neighbor over for coffee and conversation can promote open communication and a friendly neighborhood environment from which all neighbors can benefit.

Visit www.ehow.com for other helpful, neighborly advice.

Withholding Assessments Won’t Work

Sometimes community residents become dissatisfied with the association for some reason. In this case, let's use maintaining the parking lot as an example. Mr. Homeowner is unhappy because several small potholes have appeared in the parking lot, and the association hasn't repaired them.

He called the manager who said that all potholes will be repaired in the spring. “It's much easier and cheaper to fix them now, while they're small,” Mr. Homeowner states. The manager explains the association's maintenance schedule and states that parking lot repairs are scheduled, and budgeted, for spring.

Mr. Homeowner wants the potholes fixed now, so he decides to withhold his assessment payment until the potholes are filled. Sorry Mr. Homeowner, withholding assessments will not get the potholes filled. Here's why:

You signed a contract with the association called the Declaration, or CC&Rs, in which you agreed to pay assessments. Period. There are no Unless Clauses in the Declaration—“I agree to pay assessments, unless...”

Yes, the association has an obligation to maintain the common areas. Since the repairs are on the maintenance schedule and in the budget, the association is fulfilling that obligation.

Filling every pothole as it appears throughout the winter isn't economical. Agreed, it's less expensive to fill a small pothole. However, it's far less expensive to have only one visit from the asphalt company to repair all potholes—even the big ones.

Unfortunately, Mr. Homeowner, instead of getting the potholes filled immediately, you get a lien filed against your home for failing to pay your assessments.

But, let's say the potholes get especially large before the end of winter and Mr. Homeowner fears they're dangerous. He believes the potholes may cause damage to his car or that he might injure himself. He should call the manager and explain the situation. The association will make emergency repairs to protect owners and avoid liability.

If the association still fails to repair what Mr. Homeowner believes is a hazard, he has the right to pursue other legal channels to require the association to perform its duties. But, withholding assessments isn't one of them.

Stay Cool and Conserve Electricity This Summer

Energy bills—like the temperature—always rise in the summer. But don’t fret: While there are big fixes* you can incorporate to make your home more energy-efficient, there are also many inexpensive energy solutions, as well as some simple and free steps that you can take to cut down on costs and save money.

Turn it up. Set your thermostat as high as possible. Start with 78 degrees when at home and 85 degrees when away. For each degree above 72 you set the thermostat, you save between 1-3 percent. Be sure to take into consideration your health and comfort, and drink plenty of fluids to stay hydrated.

Circulate air. Use fans to create cool breezes and keep the air moving in your home. Ceiling fans, in particular, can create enough air movement to make it cooler by at least four degrees. This could translate into a significantly lower monthly electric bill, as ceiling fans only use about as much energy as a 100-watt light bulb.

Shut the shades. Windows allow a lot of heat into your home. Keep drapes and shades closed during the day to keep the temperature down.

Open nights. At night, if it’s cooler outside than in, open your windows! Not only will this bring some fresh air into your home, it will give you a chance to turn off that AC. Also, be sure to close your windows in the morning to keep the cooler air in longer.

Wash and dry wisely. Run only full loads when using your dishwasher or washing machine. Whenever possible, run those appliances during off-peak hours or when your air conditioner is turned off or barely running, which typically is during the evening, to save energy. Use the clothes dryers’ moisture-sensing automatic drying setting if it has one, and clean your clothes dryers’ lint trap after each use.

Unplug. Electronics—such as TVs, DVDs, chargers, computers, printers and other devices—use electricity even when they are turned off. By unplugging these devices when you’re not using them, you only save a few watts, but they quickly add up to bigger savings over time. Use a power strip for multiple devices, and switch it off before you go to bed. Also, turn off lights in unoccupied rooms.

Plan pool time. If you have a pool, shorten the operating time if possible. Switch the pool filter and sweeper operations to off-peak hours and during nighttime if the pool has automatic cleaning settings.

*As always, be sure to consult with the association to get approval for any major renovations on your home.

Urban Gardening Basics

As the bleak cold of winter finally breaks and signs of spring begin to pop up all around, thoughts of vibrant flowers and lush vegetables are on gardeners’ minds. For those green thumbs living in tiny quarters, an impressive garden may seem unattainable. However, many are turning toward urban gardening, bringing plant life into unique spaces and growing gardens in every nook and cranny. These miniature Edens bring great natural beauty and help reduce our carbon footprints. As more people move to urban areas, urban gardens are becoming more popular, and encouraging those who have never planted to go dig in the dirt to see what comes up. While urban gardening does have its challenges, we have a few tips on how to overcome them to bring your small garden into full bloom.

Know Your Plot

Before you go on a planting spree, take the time to plan out the logistics of your garden. Will it be in your back yard, on your porch, on the roof, on a window sill? Is your intended spot part of the association’s common ground? Check with the association before you start.

How much direct or partial sunlight does that area get, and is that the right amount of sunlight for your plants? Is your space large enough to house the plants when they’re full grown? And, if not, do you have a bigger space where you can relocate them? Will you be doing container gardening, or will you be planting in the ground? What steps do you need to take to get your soil ready for planting? Answering these questions is important before you begin gardening, as the different environments will affect your plant life. Having a plan can help you avoid unnecessary chaos.

Know Your Plants

All plants aren’t created equal, and knowing which will best suit your urban garden is a must for robust growth. Often, urban gardeners will be restricted by space or the need to plant only in containers. They will also need compact plants that can thrive in those conditions, such as herbs, tomatoes, peppers, marigolds, zinnias and the like. And be sure to know what your plants need, such as when and how deep to plant them, as well as how much light and water they need. Also, will they need to be started as seedlings under a grow light until they’re hearty enough to go outdoors, and what mixture of soil do they need to flourish? Being ready to address your plants’ needs is an important step in making sure they grow to their full potential.

Know When to Transplant

Container gardeners will need to be vigilant about making sure they transplant their plants into the right containers as they grow. If your plant is in a container that’s too small, the roots will become restricted, causing the soil to dry out quicker, so you’ll need to move your plant to a roomier home. Be careful, though, not to use too large a container, as the roots won’t be large enough to suck up all the moisture in the soil, which can lead to root rot. A good rule of thumb in choosing the right size container is to make sure your plant is neither overflowing or dwarfed by the container, and that there’s a few inches of dirt that can be seen around the plant. So the next time your plants hit a growth spurt, make sure they have the right amount of space to live comfortably.

Get Creative

The best part about an urban garden is that you can set it up anywhere and make it anything you want. Your garden can be in places like your patio, your front door steps or anywhere else good sunlight hits—and the association permits.

Picture Perfect: Smartphone Photography Tips

Spring is upon us, which means plenty of beautiful outdoor photo opportunities. With the advent of smartphones, it’s easier than ever to take and share photos. Here are 10 tips for making the most of every snapshot:

Perfect your lighting

Use natural light whenever possible, with the sun behind you or over your shoulder. When shooting indoors, find the brightest spot in the room and position your subject directly under it. 

Forget the flash

Because the duration of a smartphone’s flash is too long, it doesn’t freeze the action in a frame the way a traditional flash does. This results in blurry and poorly lit images. Unless you have no other option, avoid the flash and look for more creative low-light solutions.

Compose your shot

Avoid placing your subject dead center—you create more visual interest if you vary your composition. Keep the horizon as straight as possible unless you are intentionally shooting an angled shot.

Move in close

Small details can often make a photo more interesting—move in when shooting. Avoid using the zoom feature—it enlarges pixels but does not bring your subject closer.

Stay steady

Your photo’s clarity depends on how steady you keep your phone, so support your device with your palm, keep your grip firm and lean against a wall or other support when shooting. 

Tap, then snap

Just before taking a photo, tap your subject on the touchscreen—on most smartphones, this will adjust the lighting and focus on the subject.

Use HDR

Turn on the HDR (high dynamic range imaging) setting to enable your device to take two photos—one that focuses on bright areas and one that focuses on dark areas—and merge them for an optimal image.

Keep it clean

Chances are your smartphone gets a lot of use and a lot of smudges, so use a Q-tip to gently clean your lens periodically. 

Rein in the rays

To remove glare and soften harsh lines and shadows in outdoor shots, hold a sunglass lens over the camera lens as close as possible.

Style and share

There are a wealth of apps for editing your digital images, so use them! Instagram, Hipstamatic, Retro Camera and Vignette are just a few of the popular tools for perfecting (and sharing) your pictures.

Increase Your Home's Value

A house is one of the biggest purchases a person will ever make, and most want to keep their homes looking beautiful not only for themselves, but also to entice future buyers. From time to time, it’s a good idea to invest in some home remodeling to add to its appeal. Of course, before making any major changes to your home, you’ll want to be sure you go through the proper channels—such as the association architectural committee for approval and the city for the necessary permits—to make sure that you don’t run into any legal issues.

So when it comes time to give your house a facelift, consider these touch-ups and renovations that will not only make your home look better than ever but also help increase its value:

Re-paint Your Rooms: One of the easiest (and cheapest!) ways to dramatically change the entire look of a room is to add a fresh coat of paint. Not only will it immediately make your walls look crisp and clean, but also, because wall color can greatly dictate the feel of a room, it’s a simple way to change the ambiance of your home. Since darker colors seem intense on walls and can make a room look smaller, it’s usually best to stick with lighter, warmer hues for your overall color to make your home feel open and welcoming. If you want to paint with darker colors, consider limiting them to an accent wall so that the color isn’t overwhelming and pops against the lighter colors.

If you’re doing the painting yourself, here are a few tips so your paint job looks professional:

·   Apply a coat of primer first so that walls won’t soak up as much paint. Use two coats of paint to ensure a rich, even coverage.

·   Use painters’ tape along the outside edge of the area you’re painting to get sharp, even lines.

Update Your Kitchen and Bathrooms: If your kitchen or bathrooms look like they belong in an era long since passed, it might be time to update them. That can be as simple as retiling the floor and replacing faucets and cabinet hardware or as complex as completely remodeling the rooms. When you remodel, consider avoiding too-trendy decor and instead stick with classic looks that will stand the test of time–this will keep you from redecorating again in five years and also make your home all the more appealing to potential buyers.

Add a Home Office: People’s work and home lives are drastically merging as more and more workers telecommute from home. Because of this, turning an empty basement, attic or bedroom into a dedicated home office can give you a peaceful place to work and also be a real selling point for potential buyers.

A good home office will have enough space to comfortably work in and have easy access to the Internet, electrical outlets and cable and phone jacks. Touches like built-in bookcases and desks can add that extra something that makes your home office a productive place to work.

Let There be Light: When a room doesn’t have enough light, it can feel very drab and enclosed. Bring in some much-needed brightness by adding new light fixtures to a dreary room. Don’t be afraid to use different types of fixtures to get the best results—for example, in a kitchen you could use a hanging pendant to spotlight a specific area (like the kitchen’s island), recessed light fixtures to spread the light  over the entire room and track lighting under the cabinet to make the kitchen feel open and bright. If you’re not sure which types of lighting fixtures will work best for you, consult a residential lighting designer to find out how to light your room just right.

Finish Your Basement or Attic: Utilize every inch of your home by turning your unfinished basement or attic into extra living space. These areas are untapped gems that can be used as game rooms or extra bedrooms, or, with enough space and the right design, a home all on its own complete with a living room, kitchen, bathroom and bedrooms. Basements and attics have special characteristics that need to be addressed. For example, basements are prone to water infiltration and attics often have slanted ceilings. It’s a good idea to bring in the professionals to guide you through these obstacles and make sure all major components like pluming, electric, walls and floors are done correctly. 

Simple Home Care: The Garbage Disposal

The powerful roar of your disposal’s motor may convince you it can take on any garbage you throw its way, but it’s important to remember that your disposal is not a trash can. Garbage disposals are designed to grind small bits of biodegradable food waste to help prevent clogged drains. Proper use and maintenance will not only extend the life of your appliance, but will also spare you unnecessary and costly service calls.

Do:

·         Small amounts of skinless, boneless, pit-less and non-fibrous foods are safe to grind.

Don’t:

·         Shells, skins, husks, rinds and other hard or fibrous materials should not be put in the disposal (e.g., clam shells, oyster shells, corn husks, fruit pits, banana peels, avocado skins and bones).

·         Large amounts of starchy foods (e.g., noodles and rice) should not be put in the disposal. Although they are easily ground, they expand in water and can clog drains.

Always:

·         Run cold water when operating the disposal. Keep the water running for at least 30 seconds after you turn off the unit.

Never:

·         Use hot water when operating the disposal.

·         Put non-food materials through the disposal. This includes all types of glass, plastic and metals (e.g., bottle caps, aluminum foil and plastic wrap).

·         Put harsh chemicals in the disposal or down the drain.

Sometimes:

·         Occasionally grinding bits of citrus peel helps clean and freshen the disposal.

·         Grinding a little ice once a month helps scrape away deposits and remove odors.

Running small amounts of egg shells or coffee grounds through the disposal is sometimes suggested to sharpen the blades; however some sources warn against the practice. Consult your user’s manual for recommendations specific to your model.

Important Information for Landlords

If you are an owner who leases your unit, we’d like to make the leasing experience successful and positive for everyone by informing you of your responsibilities. This will help preserve your property value specifically and maintain the association’s property value in general.

Your tenants may not be familiar with common-interest community living. Please take a few minutes to explain to them that living in a community association is very different from living in a rental apartment community. Specifically, your tenants, like all residents, are subject to the rules and regulations of the association, and it’s up to you to educate them and see that they comply. The association will assist you in this area, but the responsibility lies with you. We recommend you provide your tenants with written copies of all policies and rules and advise them on the proper use of the association’s facilities. You can obtain copies of these and other useful documents from the manager.

We strongly recommend that you have a written lease agreement with your tenant. As a lessor (landlord) of a home in a community association, the lease you use must require tenants to comply with the association’s governing documents. In the event your tenant fails to comply with these documents, including the bylaws, or its rules and regulations, a representative of the association will first contact your tenants in an attempt to remedy the problem. The association will send you a copy of any notice sent to your tenant.

If the tenant does not correct the violation, the association will contact you and expect you to remedy the violation using the recourse available to you through your lease agreement. If you are unable to correct the violation, the association may pursue appropriate legal action against the tenant, and possibly against you.

The association asks that you provide the manager with the names and contact information of your tenants. The association will add your tenants to its mailing list, and they will receive the newsletter, invitations to participate on committees, notices of social activities and general association-related information. This information will also be used in case of emergency.

Follow these simple steps and you, the tenants and the association will all have a positive community association living experience:

· Provide your tenants with copies of association rules.

· Educate tenants about the need to follow association rules, and see that they comply.

· Advise tenants on the proper use of association facilities.

· Use a written lease agreement.

· Make sure your lease requires tenants to comply with all association governing documents.

· Provide the association with contact information for your tenants.

Renters: If you don’t have a copy of the association rules or you’d like more information about the association, please contact a board member or manager.

Smooth Move: Tips for a Less Stressful Relocation

Whether your new home is just down the street, in a nearby town or across the country, moving can be stressful. There’s a lot of work to be done before that final box is unpacked—more than many expect—and it’s easy to overlook the details that pile up the closer you get to your departure date.

Before you head out, here are some important tips to help make your move smoother:

Shipping Notes: If you’re shipping items, keep the shipment registration number with you. You may need this number when calling your mover.

Bed Ready: Put your sheets and towels in a dresser drawer so you don’t have to go searching through all your boxes for them the first night in your new home.

Freshen the Fridge: If you’re bringing your refrigerator, thoroughly clean and dry the inside. Then, put a handful of fresh coffee, baking soda or charcoal in a sock inside to keep it smelling fresh.

Pack Wisely: Heavy items go in small boxes; lighter items go in larger boxes.

Safe Memories: If some item is particularly significant to you, like a picture, take it with you in your car. If it’s irreplaceable, you don’t want regrets later. Place sheets or blankets between framed photos or art for protection.

Protect Plates: Plates should be packed on end vertically, rather than flat and stacked.

Bare Necessities: Cell phones and chargers, toilet paper, toiletries, snacks, drinks, soap, flashlight, screwdriver, pliers, can opener, paper plates, cups, utensils, some pans, paper towels and cleaning supplies are some of the essentials you may need upon arrival. Pack a box with these items and load it last.

Bulb Basics: Remove light bulbs from your lamps.

Involve the Kids: Ask your children to write their names and new address on the boxes for their rooms. It’ll help them remember the address.

Pet Care: Ask a friend to watch your pet at his or her house on moving day. It’ll keep your pet calm, safe and out of the way.

Plant Care: Try not to let foliage rest against car windows; the leaves could burn due to glass intensifying sunrays.

Take the time to implement these tips to properly prepare for the move—it may seem like more work upfront, but ultimately it can save you lots of hassle in the long run. Good luck, and don’t forget to drop off your entrance gate transponder and clubhouse pass before you go!

The Sweet Smells of Selling Your Home

So your house is on the market and you’re ready to make a dynamic first impression on potential buyers. Besides ensuring that your house looks and feels inviting, making sure it smells pleasant can help generate interest during showings. While traditional wisdom suggests that freshly-baked chocolate chip cookies will add a homey and enticing scent to your abode, new research indicates that the smell of these baked goods may be overwhelming to purchasers.

According to The Wall Street Journal (“Using Smell to Make a Sale,” February 15, 2013), complex scents—like cookies and potpourri—can accidently distract potential buyers from focusing on your home because they could be subconsciously trying to decipher the aroma. Researchers tested this theory by adding various scents to a home décor store in Switzerland: Of the 402 people observed, consumers on average purchased 31.8 percent more when the store was scented with a simple scent—such as orange or vanilla—than when it was scented with a complex scent; consumers on average purchased 23.6 percent more when the store was scented with a simple scent than when it wasn’t scented at all.

Eric Spangenberg, dean of the college of business at Washington State University and a member of the research team, says people selling their homes can apply the same principles as well. He recommends using simple scents such as lemon, pine or basil to scent your home for showings because it’s easy for people to process these aromas. Without having their focus pulled away by complex smells, potential buyers can give more focus to the house and in turn be more open to spending. To ensure you’re home smells great, try using cleaning products that have a citrus smell, or use vanilla-scented candles or sprays in your home. Better yet, use the real thing to freshen up your house by bringing a basil plant into the kitchen during showings. Try to stick to one simple scent that unobtrusively permeates the house, and make sure your scent matches the atmosphere of your home, such as adding a pine or cedar scent to a log cabin.

Are you cut out for living in a Homeowners Association?

As you can see in this infographic from HOATown, the prevalence of community associations has been on the rise for the last few decades. Living in an association has definite benefits, but there are also some drawbacks.

Benefits

1. Sense of Community - The feeling of "belonging" is strong in a community association. According to property manager Jessica Ogle, one great benefit is "the friendships... and bonds that could last a lifetime, not only for the owner, but for the children in the community."
2. Rules and Structure - For people who prefer to have a strong set of guidelines to go by, the structure of a community association can be very attractive.
3. Uniformity in the Community - Living in an association, you can be relatively certain you won't have to deal with your neighbors painting their house magenta or deciding to build a moat in the front yard.
4. Amenities - Homeowners associations charge an assessment to their residents that makes it possible for them to maintain the shared areas and responsibilities of the association (perhaps a swimming pool, or the landscaping in a common area). This allows residents to enjoy benefits and amenities they might not otherwise be able to afford.

Drawbacks

1. Too Much Closeness - Because a formal community is more "connected" by nature, some people might find that there's a little too much "togetherness." Sometimes the lines between Association business and personal business can be blurred and that may not be ideal for all residents.
2. Rules, Structure, and Uniformity - As much as this is a benefit, it can be a drawback for those who prefer to have full autonomy when making decisions about their properties.
3. Cost - The cost of the association assessment may be too much of a financial burden for some.

Ultimately, the choice of whether or not to buy a home in an association will depend largely on your own disposition and personal preference. When you're looking at association homes, be sure to ask about the association's rules and policies to help gauge whether or not the community is a good fit for you.

Rent vs. Buy: Which should you choose?

Should you rent a home or buy one?

Many people struggle with this decision. To be sure, both options have advantages and disadvantages. For example, renting is more flexible and comes with fewer maintenance worries, but paying rent doesn’t build equity or amount to a long-term investment the way paying a mortgage does. Homeownership, a critical component of “the American dream,” provides a sense of permanence and security, but can be expensive if the home requires more maintenance or repairs than expected.

The decision is can have a big impact on your future, and it often comes down to personal preference and financial considerations. Luckily, there are resources available to help you weigh your options and come to the best choice based on your individual needs.

• This New York Times interactive calculator takes customized inputs and produces an easy-to-understand graph illustrating when it’s best to rent or buy: Is It Better to Buy or Rent?
• The U.S. Department of Housing and Urban Development's Office of Policy Development and Research provides current and historical information on housing market conditions: U.S. Housing Market Conditions
• The Khan Academy features an extensive selection of information on housing, including a discussion on renting vs. buying: Housing
• These three resources all provide a nice breakdown of the issue:
• The Chicago Tribune: Renting vs. owning: Which path is right for you?
• Zillow.com: Owning vs. Renting a Home
• Catherine Hawley (from SaveUp, writing for the Huffington Post): When to Rent vs. Buy a Home

Of course, before making any life-changing decisions, it’s always best to consult a financial advisor who can assess your individual situation and help you determine the best course of action based on that assessment.