Keep Warm, but Safe

December, January and February are the deadliest months for home fires, according to the National Fire Protection Association (NFPA). And, heating equipment is the second leading cause of home fires and home fire deaths. That’s why it’s important for you and your loved ones to take extra precautions during the winter.

Thinking of buying a space heater? The NFPA recommends (and our association insists) that you make sure it carries the mark of an independent testing laboratory. Install it according to the manufacturer’s instructions or have it professionally installed. If you have an electric-powered space heater, plug it into an outlet with sufficient capacity. Never use an extension cord. The association does not allow liquid-fueled space heaters.

Turn off space heaters whenever the room is unoccupied or when manufacturer’s instructions say they should be turned off. Portable space heaters are easy to knock over in the dark. Turn them off when you go to bed, or at least make sure they’re placed in lighted areas or out of high-traffic areas.

If you use a fireplace or wood stove, use only dry, seasoned wood to avoid the build-up of creosote, an oily deposit that easily catches fire and accounts for most chimney fires and the largest share of home-heating fires. Use only paper or kindling wood, not a flammable liquid, to start the fire. Do not use artificial logs in wood stoves.

Make sure your fireplace has a sturdy screen to prevent sparks from flying into the room. After the ashes are cool, dispose of them in a metal container, which is kept a safe distance from your home.

Make sure fuel-burning equipment is vented to the outside, that the venting is kept clear and unobstructed, and that the exit point is properly sealed around the vent. This is to make sure deadly carbon monoxide does not build up in the home

Other reminders from the National Fire Protection Association include:

• Don’t use your oven to heat your home.
• Inspect all heating equipment annually, and clean as necessary. 
• Test smoke alarms monthly; install a carbon monoxide alarm outside each sleeping area.

For more information, visit www.nfpa.org.

Tracking Down Air Leaks

Air leaks are one of the biggest saboteurs of your energy bill. They cause your heating and air conditioning units to work overtime. But, you can increase the efficient use of energy by tracking down and eliminating sources of air leaks in your home.

How to Check for Indoor Air Leaks

Close your unit as tightly as possible—shutting doors, windows, flues, anything that vents to the outside. (Leave inside doors open.) Turn on the exhaust fans in the kitchen and bathrooms. This pulls air out of the house or unit and draws outside air in through the leaks. A common way to identify air movements is to hold a lighted incense stick near a suspect area. The smallest movement of air will cause the smoke to move. Another method is to simply hold your damp hand near potential leak sites. Air movement will feel cool.

Where to Check for Air Leaks

Any place one surface joins another (even if it appears closed) is a potential place for air to move in or out of your home—for example, where floor and walls come together, such as around baseboards or carpet edges.

Small spaces don’t allow much air leakage individually, but collectively they can eat up a significant amount of energy. Check all spaces where any type of opening exists such as electrical outlets and switch plates, fireplace dampers, around pipes, attic hatches, mounted air conditioners and mail slots.
Also, be sure to check caulked edges. Don’t assume they’re still air tight. Caulk dries over time and shrinks. Another application might be needed.

Doors and windows are in a category of their own. If they rattle or if you can see daylight around them, they leak. Fortunately, they’re easy to fix with caulking or weather stripping.

Making the Fix

Weather stripping is the simplest and least expensive means to eliminate air leaks around doors. Foam insulation is a variation on caulking that is available as an aerosol spray. It’s well suited for filling large gaps like the holes where pipes or wires enter your home. (Use with caution, however; it expands significantly and can be unsightly if overdone.) For just about everything else, standard caulking is all you need. Once the job is done, test again to make sure you stopped the leak completely.

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

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.

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.

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.

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.

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.