Real Estate Information

This one is kind of fun: coffee as fertilizer.  Yep, coffee grounds (and tea grounds and tea bags for that matter) provide an excellent source of nitrogen for your indoor and outdoor plants, transplants, lawn, and vegetable gardens.  There are many ways to use it as well.  You can add coffee grounds directly to soil for a slow release effect, or mix them with a bucket of water prior to watering plants as a more fast acting fertilizer.  Coffee grounds can be mixed in with your composting material, as well as utilized for some if its pest deterrent qualities.  The rule of thumb out there is that plants that thrive in acidic soil generally prosper with this kind of additive.

What’s more, you can get coffee grounds from local restaurants and coffee shops to use at home.  Starbucks has made five pound bags of used grounds available to customers for free through its Grounds for Gardens program since 1995.  If you’re not close enough to a Starbucks (hard to imagine in the world today that anyone isn’t within a ten or fifteen minute drive) call around to your local restaurants and ask if they save coffee grounds for their patrons’ use.  What’s good for the garden is also good for the landfill.

The root of the problem with indoor mold is moisture.  You find mold in your home, you clean it up, right?  But if you don’t find and fix the moisture issue the mold will return.  The source of moisture might be as easy to find as a leaking pipe under the sink or in the basement.  It may be a little more difficult to identify like a leaking pipe inside a wall.  And again, diagnosing the moisture problem is one thing, yet prescribing the correct and complete remedy may be the tricky part as with a cracked foundation wall in your basement or crawlspace.  One thing is certain, if you only treat the symptom (the mold) the illness (moisture) will continue to rear its troublesome head.

Once you discover mold in your home get to work on mitigating the source of moisture and the clean-up right away.  Don’t ignore it.  Call a plumber with a good reputation in the community if you need to.  Simply closing the cabinet door to the kitchen sink and pretending it’s not there doesn’t work.  The problem won’t just walk away on its own and neither should you.  And don’t simply paint over the stain of a recently cleaned patch or wall without mitigating the moisture.  You’re putting more energy into a problem that will continue to reoccur.

So the question is, Where to begin?  A great place to start if you’re unsure just how to get started is the Frequently Asked Questions on the http://www.epa.gov/ website.  Stop the moisture, stop the mold.

Houseplants bring a little touch of the outdoors inside, and unlike our house pets they require considerably less attention.  But that doesn’t mean a once a week watering is all it takes to earn your green thumb.

1. The single most important factor for a plant to survive and thrive is its environment.  Here I’m speaking about sunlight.  Inside the home sunlight becomes all that much more important as your plants spend twenty-four hours a day under your roof and not outside in the great wide open.  Use the handy table at the bottom of this webpage to determine the best locations based on plant type to make sure your plants are getting adequate sun.
2. The size of your plant’s container is another environmental issue.  You want your pot to be large enough to accommodate the soil and roots.  Too small a pot will restrict your growth.  Too large a pot, compared to the plant making its home there, may look a bit unbalanced or awkward in the room.  Here are some creative plant container ideas.
3. Fertilizer, too much or not enough, can cause problems.  Signs that your plant needs fertilizer are dropped leaves, pale leaves, flimsy stems, and little or no new growth.  Likewise, signs that your plant is getting too much fertilizer are leaves with a “burned” appearance or dark spots, odd shaped leaves, and a white residue that accumulates on the surface of your potting soil.

With a little TLC for your plants, you’ll be greening up indoors and freshening your environment.

Cross country or across town, sometimes it pays to hire a moving company to do the heavy lifting.  Did you know moving companies often offer more services than just hauling your belongings to your new home?  Many have packing and unpacking services.  I’ve even seen some offer a house cleaning service to give the home you’re moving into a good once-over before you arrive.  It’s important not only to know what options you have available to help make your move run smoother, but also to know exactly what you are getting for your money when hiring a mover.

Tips on hiring a moving company:

1. Get an in-house quote, then another, and another. A quote is no good if a company’s representative doesn’t come out and take an honest look at each room’s contents and then follow their visit up by putting their price, and what you are actually getting for your money, in writing.  And the first quote isn’t worth the paper it’s written on if you don’t have a second and a third to compare it to.  Get three quotes.
2. Ask friends, neighbors, and family who they have used in the past and had success with.  Get the actual name of the company rep they worked with.  A good referral goes a long way in easing stress during a move.
3. Dig into the quote.  Know if the movers will be assembling furniture like bed frames after delivery.  What’s the delivery window look like?  What about insurance?  You have to know what you’re getting for your money, and you sure don’t want to have any surprises on moving day, or when the bill from the moving company comes in the mail.

Okay, so I’ll be the first to say it even though we’re all already thinking it: The holidays are right around the corner.  That’s right, it’s the most wonderful, chaotic, spiritual, emotional, hectic time of the year.  The decorations go up.  The decorations come down.  There’s meal planning, shopping, cooking and baking.  You’ll travel one week and host visitors the next.  You’ll spend time with friends, families, co-workers, and neighbors.  There’s the wrapping up of loose ends at the end of the school semester, and the end of the office quarter.  There’s wrapping gifts, which means more shopping…

Nowadays people shop online, but surprisingly only a very small percentage of identity theft cases occur as a result of online tampering, such as computer hacking.  More often than not it’s the same old-fashioned, live and in person thief that gets consumers in the most trouble.

However you spend your energy during the spirit of the season don’t neglect to heed these few tips that will help you keep from spending your January (and undoubtedly many more sad months to follow) cleaning up the fallout from having your identity stolen.

1. Shred anything with personal information on it before throwing it out, including credit card and mortgage mail solicitations.  Thieves will dig through your garbage to find information they can use to open new credit accounts in your name that can end up costing you big.
2. Keep your social security card, passport, and any credit cards you don’t currently use at home.  This minimizes the amount of information a thief can get if they steal your purse or wallet.
3. Take credit card receipts with you instead of leaving them behind.  It doesn’t matter if it’s the department store receipt for $100 or the coffee shop tab for $10.  If there’s ever a doubt, take it with you.
4. Keep your virus and spyware software up-to-date and running.
5. If you believe your identity has been stolen, don’t wait to get help.  Start here

for information on common questions asked by people who suspect they have become victims of identity theft.

Nowadays I’m noticing borrowers tend to be grateful just to be able to qualify for a mortgage.  Any mortgage.  It’s true, getting a loan is more difficult today than it was five years ago.  It’s also true the bank is going to require you to have more money down to complete the transaction.  That’s no reason to skip vetting your lender.  All banks have different fees that show up in the fine print, and you either need a fine-tooth comb to find them OR have someone like a mortgage broker working on your behalf that can explain the pros and cons of going with lender A over lender B.  Get to know your lender.  After all, it’s your money.

Let’s take a look at the weekly Primary Mortgage Market Survey (PMMS) for November 17, 2011:

According to Freddie Mac and the PMMS the 30-year fixed average was 4.00, with an average .7 point, and the 15-year was 3.31 with .7 point.

5 year ARMs held at 2.97 with .6 point, while 1-year ARMs also remained steady at 2.98 with .6 point.

If you walk around the perimeter of your home inspecting the roof and spot physical damage or rotting, that’s your sign to call in a repairman and get your roof drainage issue resolved quickly.  Leaking and rotting soffits and fascia can become an expensive repair, and the sooner you address any issues you discover, the lower the final total on your repair bill.

The problem is, this is one of those home repair issues you often don’t notice until it’s too late.  So I’m going to give you a quick task that can potentially save you a bundle.  And, watch this video to learn more on how to spot the warning signs of gutter, soffit and fascia leakage before it becomes too costly.

The easiest way to spot a potential problem area along your roof line is to go outside and watch for leaks while it’s raining.  This is not very practical as first, it must be raining outside, and second, you’ll have to remember my little message here and do your inspection when it does.  So here’s the trick, go outside and inspect the perimeter of the roofline RIGHT NOW!  Go ahead, I’ll wait...

…Oh, and, here’s what you’re looking for: Evidence of leaking.  I’m not talking about soffit and fascia that’s already pealing, cracked, decaying and falling apart, and I’m not talking about gutters that are falling away from the side of the house.  If you have those issues you already know to call a repairman.  I’m talking about finding a little problem before it becomes a BIG problem.  Look along your gutters, and the underlying fascia, trying to spot dark vertical streaks that are residue of dirty water from your roof overflowing the gutters, or working in behind the gutter and soaking the fascia.  I refer you to this website for the sole purpose of giving you a photograph example of what to look for.  This is not a foolproof method for spotting all problems.  There are many little things that can contribute to leaking.  This is, however, a very inexpensive (because it’s free) inspection you can perform yourself that can keep your repair bill in the hundred-dollar range and out of the thousands.  If you find these streaks, and your gutters are not obstructed with leaves, call your handyman and set up an appointment.  The problem might be as simple as installing a drip edge inside your gutters.

Real estate professionals do many things for their clients.  They research, finding prospective homes for sale that meet as many of your wants and needs as possible in a new home.  They orchestrate appointments for showings, and help you learn what you can get for your money in an ever-changing market.  They run lists of comparables, making sure you have all the data you need prior to making an educated offer.  They do all the paperwork.  They negotiate.  Their job is to help you get the most house, best suited for your family, within your budget, and to make the transaction as error free and stress free as possible.

There’s some homework you can do up front as well to ensure once the transaction is done and you’re all moved in that your family’s transition continues to go just as smoothly.

When did you first visit your prospective home?  Was it at night after work?  At the end of a busy day?  Go drive the neighborhood during rush hour, morning and evening.  Drive by on a Saturday or Sunday if you haven’t been there during the weekend.  Have you only seen the home during the day?  Go visit at night.  Imagine yourself starting and ending your day there.  Ask yourself, where’s the nearest gas station?  Morning coffee?  Pizza house?  Where’s the nearest emergency room?

Talk to neighbors.  You don’t necessarily have to knock on doors, but since you are already driving through (see paragraph above), pull over if you see someone raking leaves or playing catch outside with the kids.  Have a short conversation.  Introduce yourself and let them know you’re considering moving into their wonderful neighborhood.  Ask them if they would help you make up your mind by telling you what they like best about the neighborhood.  Ask them what they like least.  If people are happy where they live they would love nothing better than the opportunity to brag about their neighborhood, the schools, the convenient drive to shopping, or the city, or the bank.  If they have a complaint they’ll let you know that too.

You’ve seen them before.  They don’t have that annoying buzz of the regular house fly, and they don’t do fly-by’s over your dinner plate.  But they are a nuisance, and they always seem to appear out of nowhere.

Drain flies can take over any drain in the house, but more often than not they show up close to their main food source, slime-covered garbage disposals and the kitchen sink.  They lay their eggs in the gunk coating the grinding mechanism down in the disposals.  The problem is, although hot water and ammonia can get rid of the adult flies it does little to eradicate the eggs.  And simply running the disposal even with a standard disposal cleaner won’t get rid of the gooey stuff.  You need to use an enzyme like DF5000 that will eat away both the slime and the eggs, right down to the metal.  Just keep in mind, the more crud deep down inside the disposal, the more applications you will have to use to completely clean out the drain.  How will you know when the drain is clear when it’s all but impossible to see down into the drain?  When the flies are all gone, you’re done.

The general rule is to plant new trees in the autumn after leaves have already fallen to the ground, or in the early spring prior to tree budding.  Planting during this dormant phase ensures the trees devote their resources toward building a strong root system as opposed to above-ground, vertical growth.  Local weather conditions, especially the available water supply and the condition of the tree being transplanted in your yard, can have a significant effect on your success.  If you’ve relocated from another area, you may be tempted to plant a tree Here are some tips on safety and maximizing your chances for a successful transplant.

1.     Before you dig, call ahead to have all your underground utilities located and marked.  Better to be safe than sorry.  This will not only keep you protected from electric and gas lines, but will allow you to plan a layout for your landscape that will avoid causing problems with utilities in the future.

2.     Dig your hole two to three times as wide as the root ball of your tree.  This gives the tree a chance to start establishing its root system without having to burrow first through the heavily compacted surrounding soil just to get started.

3.     Mulch.  Mulch serves many purposes.  It helps to protect growing roots from temperature extremes.  It also locks in moisture while suppressing grass and weeds.

Click this link to learn more tips for successful tree transplanting.