It's that time of year where our vegetable gardens are producing the fruits of our labor but it's frustrating to find that the bugs have gotten to the feast before us. Below are some examples of homemade pesticides to help keep the bugs at bay and not harm ourselves with chemicals.
Soap Spray
A way to stop the slugs is with soapy water. You can just use your old, dirty dishwater! Collect some of the water in a pan and pour it into a watering can or even use a pitcher to pour it over the plants. This works really well on hostas and mums, but also can be used on other hardy plants. For a stronger solution, mix 3 Tablespoons of liquid detergent into a gallon of water, I prefer Dawn, but any will do. Use this weekly.
Spearmint Hot Pepper Horseradish Spray
This is effective on many different kinds of outside bugs and insects and should be an outside spray.
1/4 cup of hot red peppers
1/2 gallon water
1/4 cup of fresh spearmint
1/4 cup horseradish, both root and leaves
1 tablespoons of liquid detergent
1/4 cup green onion tops
Mix the spearmint leaves, horseradish, onion tops and peppers together with enough water to cover everything. Then strain the solution. Add a half-gallon of water and the detergent. You can use this to spray almost any plant safely. Store the mixture for a few days in a cool place.
Natural Pesticide for Aphids and Whiteflies
Mix a few drops of dishwashing detergent with water and spray on plants leaves. This is extremely effective in controlling many soft-bodied insects such as aphids and whiteflies.
Garlic
One of the most effective natural pesticides is garlic. This pungent bulb can be used to control mosquitoes, aphids, spider mites and more. Planting garlic around tomatoes and fruit bearing trees can repel pests that range from insects to rabbits, moles and groundhogs. You can also create your own garlic based pest repellent using only fresh chopped garlic and mineral oil. Allow four ounces of garlic to sit in two tablespoons of mineral oil for a minimum of one day. This pesticide should be diluted 1:20, which means one part pesticide to 20 parts water. It can be sprayed on plants, flowers, vegetables and even ponds to repel pests.
Red and black pepper sprinkled around your garden can also help keep the pests away. Fragrant and useful lavender actually repels mice and other pests while bringing in butterflies. Mint is also a powerful deterrent in the garden, but it can spread so make sure to contain it in one area. Another herb to consider when making organic pesticides is wormwood. While the wormwood plant actually works to repel slugs and snails, you can simmer the leaves in water for an effective pest ridding spray.
August 9, 2010
July 26, 2010
Alternative Decking Materials
It's summertime and most people like to take advantage of the nice weather to do some home improvements. Here is some info if you're looking at building or replacing your deck...
Technology Snapshot & Benefits:
Alternative decking materials are rising in popularity because they are durable and long lasting, require little to no maintenance, and most are composed of recycled materials. The two most common types are wood/plastic composite lumber and plastic lumber. A majority of alternative decking materials are made from 90-100% recycled materials that do not require the use of paints or sealers and are not prone to cracking or splitting like their wood counterparts.
Estimated Cost Savings:
The initial investment in alternative decking materials is often more expensive than traditional wood; however the paybacks are received in the form of reduced maintenance and increased durability for longer lifespan. These materials quickly pay for themselves in only a few short years, with savings on maintenance in the thousands over the deck's lifetime.
Issues:
With respect to installation and use, the issues to watch out for with these materials are stains, molds, mildew and sagging. Stains are a leading drawback with composite decking materials because they are made primarily from oak fibers, which have a higher tannic acid content. Molds and mildew are also common to composite decking materials, however can be avoided by proper spacing between deck boards, allowing for drainage and avoiding the buildup of mold and mildew-friendly water pools. Many manufacturers suggest periodic cleanings with deck cleanser to prevent buildup. Finally, composite decking is weaker than wood. Avoid sagging or drooping by building the deck according to the manufacturer's specifications.
Installation (Getting It Done):
Alternative decking materials can be cut, nailed, routed, drilled, and screwed in the same manner as wood. They usually have a lower structural value than their wood counterparts, and so, usually require narrower spacing between their support beams or joists. Work with experienced contractors who specialize in the use of alternative decking materials. Make sure that the manufacturer's specifications are followed to ensure a healthy, beautiful, durable, and "environmentally friendlier" deck.
More Information On This Topic:
NADRA-North American Deck and Railing Association
Deck Information, Products and Service Providers
Technology Snapshot & Benefits:
Alternative decking materials are rising in popularity because they are durable and long lasting, require little to no maintenance, and most are composed of recycled materials. The two most common types are wood/plastic composite lumber and plastic lumber. A majority of alternative decking materials are made from 90-100% recycled materials that do not require the use of paints or sealers and are not prone to cracking or splitting like their wood counterparts.
Estimated Cost Savings:
The initial investment in alternative decking materials is often more expensive than traditional wood; however the paybacks are received in the form of reduced maintenance and increased durability for longer lifespan. These materials quickly pay for themselves in only a few short years, with savings on maintenance in the thousands over the deck's lifetime.
Issues:
With respect to installation and use, the issues to watch out for with these materials are stains, molds, mildew and sagging. Stains are a leading drawback with composite decking materials because they are made primarily from oak fibers, which have a higher tannic acid content. Molds and mildew are also common to composite decking materials, however can be avoided by proper spacing between deck boards, allowing for drainage and avoiding the buildup of mold and mildew-friendly water pools. Many manufacturers suggest periodic cleanings with deck cleanser to prevent buildup. Finally, composite decking is weaker than wood. Avoid sagging or drooping by building the deck according to the manufacturer's specifications.
Installation (Getting It Done):
Alternative decking materials can be cut, nailed, routed, drilled, and screwed in the same manner as wood. They usually have a lower structural value than their wood counterparts, and so, usually require narrower spacing between their support beams or joists. Work with experienced contractors who specialize in the use of alternative decking materials. Make sure that the manufacturer's specifications are followed to ensure a healthy, beautiful, durable, and "environmentally friendlier" deck.
More Information On This Topic:
NADRA-North American Deck and Railing Association
Deck Information, Products and Service Providers
July 9, 2010
Green/Energy Efficient Lending
There is a great new product for people looking for lending. And as an EcoBroker certified Realtor I can help you even more!
http://www.myenergyloan.com/
http://www.myenergyloan.com/
June 21, 2010
Great News!!
NAHB Applauds EPA’S Decision to Delay Lead Paint Certification Enforcement
read it here...
http://www.nahb.org/news_details.aspx?newsID=10957
read it here...
http://www.nahb.org/news_details.aspx?newsID=10957
June 11, 2010
Easy Tips to Stay Cool (and Save Energy)
Green the Block, www.greentheblock.net, is offering some simple summer tips to stay cool and save energy. Find a few tips below and at this link.
1. Using operable windows, shutters, awnings, and vents as originally intended to control the interior environment.
2. Place your air conditioner in a central window, rather than a corner window, to allow for better air movement.
3. Fans can make rooms feel five to ten degrees cooler and use 80% less energy than air conditioners.
4. To get the hot air out at night: open the downstairs windows, and use window fans in upstairs windows to suck large volumes of hot air out of the top floor of the house. On really hot evenings, run bathroom and kitchen exhaust fans for an hour.
5. Unplug the AC to DC power converters when they're not needed. Some of them use electricity even when nothing's attached to them, and they produce heat when they consume power. Feel each plugged-in power converter. If it's cold, it is not using much electricity and isn't warming your house. If it's hot, unplug it if possible.
1. Using operable windows, shutters, awnings, and vents as originally intended to control the interior environment.
2. Place your air conditioner in a central window, rather than a corner window, to allow for better air movement.
3. Fans can make rooms feel five to ten degrees cooler and use 80% less energy than air conditioners.
4. To get the hot air out at night: open the downstairs windows, and use window fans in upstairs windows to suck large volumes of hot air out of the top floor of the house. On really hot evenings, run bathroom and kitchen exhaust fans for an hour.
5. Unplug the AC to DC power converters when they're not needed. Some of them use electricity even when nothing's attached to them, and they produce heat when they consume power. Feel each plugged-in power converter. If it's cold, it is not using much electricity and isn't warming your house. If it's hot, unplug it if possible.
May 10, 2010
Home Star Overview
Overview:
HOME STAR is proposed new legislation to create jobs in existing industries by providing strong short-term incentives for energy efficiency improvements in residential buildings. The program will move quickly, with a minimum of red tape, and will act as a bridge to long-term market development of existing industries. This initiative establishes a $6 billion rebate program to encourage immediate investment in energy-efficient appliances, building mechanical systems and insulation, and whole-home energy efficiency retrofits. HOME STAR will rapidly create jobs in both construction and manufacturing, while saving families money on their energy bills. It will build on current state programs and existing industry capacity for performing both retrofits and quality assurance, using federal standards and incentives as a common platform to lower program costs and increase consumer awareness.
Strong consumer incentives to drive market demand, combined with meaningful standards and incentives to ensure model business practices for installing efficiency measures and verifying energy savings, will ensure that the growing energy efficiency retrofit industry produces ongoing and measurable energy savings while putting Americans back to work in long-term jobs. This provision should also include targeted insulation product consumer incentives to stimulate broad exposure to energy efficiency measures, expand overall retrofit activity while stimulating manufacturing.
Consumer Incentives:
HOME STAR provides two types of consumer incentives:
1. The SILVER STAR prescriptive path provides a near-term incentive for specific energy saving investments that is simple to administer and easily introduced into the existing marketplace. Homeowners receive between $1,000 and $1,500 for each measure installed in the home, or $250 per appliance, with a benefit not exceeding $3,000 or at least 50% of total project costs (whichever is less). Covered measures include air sealing; attic, wall, and crawl space insulation; duct sealing or replacement; and replacement of existing windows and doors, furnaces, air conditioners, heat pumps, water heaters and appliances with high-efficiency models. The legislation will utilize existing standards for qualifying products at a level sufficient to significantly increase consumer demand for highly energy efficient building materials and mechanical systems. SILVER STAR improvements may be implemented by any appropriately licensed and insured contractor, but all participating contractors will receive information about opportunities for accreditation and training programs.
2. The GOLD STAR performance path offers an incentive to households that choose to conduct a comprehensive energy audit and then implement a variety of measures that are designed together to provide greater total returns in energy savings. This performance path represents the future of home efficiency: state-of-the-art building science is used to identify problems, present solutions and deliver verifiable energy savings, generating confidence among homeowners and investors alike. This technology-neutral approach is based on performance, not specific products, so market forces will direct funds to solutions that achieve the best results. A certified professional with accreditation from the Building Performance Institute (BPI), the Residential Energy Services Network (RESNET) or an approved equivalent conducts an energy audit before work begins, and a test-out when the performance retrofit is complete. Consumers receive $3,000 for modeled savings of 20%, plus an additional $1,000 incentive for each additional 5% of modeled energy savings, with incentives not to exceed 50% of project costs. Contractors implementing the GOLD STAR performance path must be BPI accredited.
Key Provisions:
Administrative Process: The HOME STAR program must meet several overarching goals. To be successful, HOME STAR must rapidly put construction workers back to work as well as create good, living-wage jobs for American workers; generate a minimum of new government bureaucracy; provide clear lines of authority; and offer a transparent process for all participants.
HOME STAR is not dependent on whether authority rests with a particular federal agency, rather authority could reside within a number of federal agencies without compromising the program goals. The federal government must, however, provide uniform guidance to establish consistent baseline resources and procedures for all states. States will take the lead in overseeing quality assurance programs and coordinating with existing programs to avoid duplication. The ultimate implementation of this program will be driven by market transactions and as such the program will set aside administrative funds to drive consumer awareness.
HOME STAR will provide a rebate to consumers, which can be assigned to another party including the manufacturer, distributor, retailer, or contractor who completes the work. This rebate can be credited to consumers at multiple points in the transaction process including at the point of sale or point of completion of the job. Rebate checks can be issued either by the federal government, through existing state energy programs, or some combination of these entities based on infrastructure capability. In any case, administrative procedures must be designed for speed and efficiency, to roll out the program rapidly and effectively and to provide timely payments.
Quality Assurance: The program establishes a robust system of post-project-completion quality assurance to ensure quality installations adhering to technical standards and to provide accountability, protecting against waste, fraud and abuse. This system establishes industry performance standards, ensures that a portion of all jobs are inspected by credentialed professionals, and offers an additional incentive to contractors that invest in a trained and certified workforce.
Contractors can enroll in the program by registering and presenting proof of licensing and insurance to a quality assurance provider through BPI, RESNET, or a provider designated by the state quality assurance plans. Homeowners may be contacted by a quality assurance provider for a field inspection after job completion to make sure that work was done according to standards and as contracted. Each homeowner will have the right both to request or to choose not to receive, a home field inspection. The program will guarantee minimum inspection rates sufficient to assure quality work and provide accountability for contractors.
Quality assurance programs managed at the state level will maintain lists of qualified inspectors, facilitate access to training and certification programs (including outreach to low-income workers and minority contractors), coordinate with existing state and local efficiency programs, and develop systems for monitoring and enforcement. To provide for the long-term sustainability of this new and growing market, states will work with the Department of Energy to bring their quality assurance oversight up to a common national standard.
For GOLD STAR projects, contractors must submit a job completion checklist and work scope for each project, along with testing data, before the incentive is disbursed. SILVER STAR contractors are only required to submit a job completion checklist. For both the GOLD STAR and SILVER STAR programs, field quality assurance is conducted within 30 days on a sample of jobs to verify quality installation.
Quality Assurance requirements in HOME STAR will involve a simple paperwork review in approving individual rebates, in addition HOME STAR will provide a minimum baseline protocol for field inspection that is sufficiently rigorous to ensure high quality installation and appropriate consumer protection. In all cases reduced inspection rates will be offered for contractors employing a trained and certified workforce.
Program Costs: To achieve rapid near-term job creation, $6 billion should be allocated to HOME STAR during the first year, $1.8 billion of which should be set aside for GOLD STAR incentives. While HOME STAR is envisioned as a time limited program, the GOLD STAR path should be continued beyond the first year as a bridge to permanent residential energy efficiency programs established by existing federal energy and climate legislation outlined below.
Legislative and Administrative Precedents: HOME STAR is endorsed by the President’s Economic Recovery Advisory Board (PERAB). This proposal is based on the Retrofit for Energy and Environmental Performance (REEP) legislation that is included in the American Clean Energy and Security (ACES) Act passed by the House of Representatives, and in the Building Efficiency title of American Clean Energy Leadership Act (ACELA) reported out by the Senate Energy and Natural Resources Committee. Additional measures are drawn from leading state and local programs. This program also builds on investments made in the American Recovery and Reinvestment Act (ARRA), and on executive actions taken as a result of the Vice President’s Recovery through Retrofit program.
The HOME STAR initiative will be significantly enhanced by proposed financing tools to reduce the upfront cost burden faced by homeowners for residential retrofit projects.
The establishment of additional incentives to cover commercial and industrial property would also be very valuable components of any legislation designed to create jobs through improved energy efficiency.
http://homestarcoalition.org/HOME_STAR_Overview.pdf
HOME STAR is proposed new legislation to create jobs in existing industries by providing strong short-term incentives for energy efficiency improvements in residential buildings. The program will move quickly, with a minimum of red tape, and will act as a bridge to long-term market development of existing industries. This initiative establishes a $6 billion rebate program to encourage immediate investment in energy-efficient appliances, building mechanical systems and insulation, and whole-home energy efficiency retrofits. HOME STAR will rapidly create jobs in both construction and manufacturing, while saving families money on their energy bills. It will build on current state programs and existing industry capacity for performing both retrofits and quality assurance, using federal standards and incentives as a common platform to lower program costs and increase consumer awareness.
Strong consumer incentives to drive market demand, combined with meaningful standards and incentives to ensure model business practices for installing efficiency measures and verifying energy savings, will ensure that the growing energy efficiency retrofit industry produces ongoing and measurable energy savings while putting Americans back to work in long-term jobs. This provision should also include targeted insulation product consumer incentives to stimulate broad exposure to energy efficiency measures, expand overall retrofit activity while stimulating manufacturing.
Consumer Incentives:
HOME STAR provides two types of consumer incentives:
1. The SILVER STAR prescriptive path provides a near-term incentive for specific energy saving investments that is simple to administer and easily introduced into the existing marketplace. Homeowners receive between $1,000 and $1,500 for each measure installed in the home, or $250 per appliance, with a benefit not exceeding $3,000 or at least 50% of total project costs (whichever is less). Covered measures include air sealing; attic, wall, and crawl space insulation; duct sealing or replacement; and replacement of existing windows and doors, furnaces, air conditioners, heat pumps, water heaters and appliances with high-efficiency models. The legislation will utilize existing standards for qualifying products at a level sufficient to significantly increase consumer demand for highly energy efficient building materials and mechanical systems. SILVER STAR improvements may be implemented by any appropriately licensed and insured contractor, but all participating contractors will receive information about opportunities for accreditation and training programs.
2. The GOLD STAR performance path offers an incentive to households that choose to conduct a comprehensive energy audit and then implement a variety of measures that are designed together to provide greater total returns in energy savings. This performance path represents the future of home efficiency: state-of-the-art building science is used to identify problems, present solutions and deliver verifiable energy savings, generating confidence among homeowners and investors alike. This technology-neutral approach is based on performance, not specific products, so market forces will direct funds to solutions that achieve the best results. A certified professional with accreditation from the Building Performance Institute (BPI), the Residential Energy Services Network (RESNET) or an approved equivalent conducts an energy audit before work begins, and a test-out when the performance retrofit is complete. Consumers receive $3,000 for modeled savings of 20%, plus an additional $1,000 incentive for each additional 5% of modeled energy savings, with incentives not to exceed 50% of project costs. Contractors implementing the GOLD STAR performance path must be BPI accredited.
Key Provisions:
Administrative Process: The HOME STAR program must meet several overarching goals. To be successful, HOME STAR must rapidly put construction workers back to work as well as create good, living-wage jobs for American workers; generate a minimum of new government bureaucracy; provide clear lines of authority; and offer a transparent process for all participants.
HOME STAR is not dependent on whether authority rests with a particular federal agency, rather authority could reside within a number of federal agencies without compromising the program goals. The federal government must, however, provide uniform guidance to establish consistent baseline resources and procedures for all states. States will take the lead in overseeing quality assurance programs and coordinating with existing programs to avoid duplication. The ultimate implementation of this program will be driven by market transactions and as such the program will set aside administrative funds to drive consumer awareness.
HOME STAR will provide a rebate to consumers, which can be assigned to another party including the manufacturer, distributor, retailer, or contractor who completes the work. This rebate can be credited to consumers at multiple points in the transaction process including at the point of sale or point of completion of the job. Rebate checks can be issued either by the federal government, through existing state energy programs, or some combination of these entities based on infrastructure capability. In any case, administrative procedures must be designed for speed and efficiency, to roll out the program rapidly and effectively and to provide timely payments.
Quality Assurance: The program establishes a robust system of post-project-completion quality assurance to ensure quality installations adhering to technical standards and to provide accountability, protecting against waste, fraud and abuse. This system establishes industry performance standards, ensures that a portion of all jobs are inspected by credentialed professionals, and offers an additional incentive to contractors that invest in a trained and certified workforce.
Contractors can enroll in the program by registering and presenting proof of licensing and insurance to a quality assurance provider through BPI, RESNET, or a provider designated by the state quality assurance plans. Homeowners may be contacted by a quality assurance provider for a field inspection after job completion to make sure that work was done according to standards and as contracted. Each homeowner will have the right both to request or to choose not to receive, a home field inspection. The program will guarantee minimum inspection rates sufficient to assure quality work and provide accountability for contractors.
Quality assurance programs managed at the state level will maintain lists of qualified inspectors, facilitate access to training and certification programs (including outreach to low-income workers and minority contractors), coordinate with existing state and local efficiency programs, and develop systems for monitoring and enforcement. To provide for the long-term sustainability of this new and growing market, states will work with the Department of Energy to bring their quality assurance oversight up to a common national standard.
For GOLD STAR projects, contractors must submit a job completion checklist and work scope for each project, along with testing data, before the incentive is disbursed. SILVER STAR contractors are only required to submit a job completion checklist. For both the GOLD STAR and SILVER STAR programs, field quality assurance is conducted within 30 days on a sample of jobs to verify quality installation.
Quality Assurance requirements in HOME STAR will involve a simple paperwork review in approving individual rebates, in addition HOME STAR will provide a minimum baseline protocol for field inspection that is sufficiently rigorous to ensure high quality installation and appropriate consumer protection. In all cases reduced inspection rates will be offered for contractors employing a trained and certified workforce.
Program Costs: To achieve rapid near-term job creation, $6 billion should be allocated to HOME STAR during the first year, $1.8 billion of which should be set aside for GOLD STAR incentives. While HOME STAR is envisioned as a time limited program, the GOLD STAR path should be continued beyond the first year as a bridge to permanent residential energy efficiency programs established by existing federal energy and climate legislation outlined below.
Legislative and Administrative Precedents: HOME STAR is endorsed by the President’s Economic Recovery Advisory Board (PERAB). This proposal is based on the Retrofit for Energy and Environmental Performance (REEP) legislation that is included in the American Clean Energy and Security (ACES) Act passed by the House of Representatives, and in the Building Efficiency title of American Clean Energy Leadership Act (ACELA) reported out by the Senate Energy and Natural Resources Committee. Additional measures are drawn from leading state and local programs. This program also builds on investments made in the American Recovery and Reinvestment Act (ARRA), and on executive actions taken as a result of the Vice President’s Recovery through Retrofit program.
The HOME STAR initiative will be significantly enhanced by proposed financing tools to reduce the upfront cost burden faced by homeowners for residential retrofit projects.
The establishment of additional incentives to cover commercial and industrial property would also be very valuable components of any legislation designed to create jobs through improved energy efficiency.
http://homestarcoalition.org/HOME_STAR_Overview.pdf
April 14, 2010
A Few Money Saving Tips For Your Home
You can use simple methods to take back control over part of your energy bill. Help yourself to save money with little or no cost. Here are a couple of very simple things you can do that have pure savings and no risk:
1)Adjust the drapes. In the summer, close them to the strong light of the day and in winter, open them to allow the sun's warmth to heat your house.
2)Carry around a few packages of the little plastic covers that are designed to child-proof electrical outlets. Plug them into any unused outlets on exterior walls. They will cut down on drafts of cold air infiltrating in the winter or expensively-cooled air shooting out in the summer.
3)Run appliances such as dishwashers and washers and dryers later in the evening when energy costs are often lower than "peak" times earlier in the day.
4)Turn off and unplug electrical items (computer, coffee maker, even your TV!) when not in use. Even when you turn off an appliance, as long as it's plugged in, it's using energy and costing you money!
5)Turn down your heat when you go to bed and simply use an extra blanket if needed.
There are many simple ways you can save money with just a few easy changes. Hope these help and I'm sure you can think of many more!
1)Adjust the drapes. In the summer, close them to the strong light of the day and in winter, open them to allow the sun's warmth to heat your house.
2)Carry around a few packages of the little plastic covers that are designed to child-proof electrical outlets. Plug them into any unused outlets on exterior walls. They will cut down on drafts of cold air infiltrating in the winter or expensively-cooled air shooting out in the summer.
3)Run appliances such as dishwashers and washers and dryers later in the evening when energy costs are often lower than "peak" times earlier in the day.
4)Turn off and unplug electrical items (computer, coffee maker, even your TV!) when not in use. Even when you turn off an appliance, as long as it's plugged in, it's using energy and costing you money!
5)Turn down your heat when you go to bed and simply use an extra blanket if needed.
There are many simple ways you can save money with just a few easy changes. Hope these help and I'm sure you can think of many more!
April 4, 2010
Rebate Program begins!!
Rules of the rebate program
Complete eligibility and program requirements are available online at (www.ndenergystarrebate.com)
What: Beginning April 6, North Dakota residents will be eligible to receive a $150 rebate for the purchase of an Energy Star-rated full-size refrigerator and the proper disposal of their old refrigerator.
Eligibility Requirements:
-Must be a resident of North Dakota.
-Limit of one refrigerator per applicant.
-Limit of one refrigerator per household.
-Must be an ENERGY STAR qualified refrigerator.
-Must be a full-size, 7.75 cubic feet refrigerator or larger.
-Consumers must either have a qualified retailer pick up an old full-size refrigerator or take an old full-size refrigerator to a qualified inert waste landfill.
Complete eligibility and program requirements are available online at (www.ndenergystarrebate.com)
What: Beginning April 6, North Dakota residents will be eligible to receive a $150 rebate for the purchase of an Energy Star-rated full-size refrigerator and the proper disposal of their old refrigerator.
Eligibility Requirements:
-Must be a resident of North Dakota.
-Limit of one refrigerator per applicant.
-Limit of one refrigerator per household.
-Must be an ENERGY STAR qualified refrigerator.
-Must be a full-size, 7.75 cubic feet refrigerator or larger.
-Consumers must either have a qualified retailer pick up an old full-size refrigerator or take an old full-size refrigerator to a qualified inert waste landfill.
March 28, 2010
Landscaping Shade Trees and Windbreaks
Technology Snapshot & Benefits:
Perhaps the most pleasant economic savings can be derived from judicious and mindful planting of trees and
shrubs. The value of traditional plantings serving as windbreaks is well known. Additionally, well-placed deciduous
trees can shade a building during hot summer months yet allow warming sunshine to enter a building when warmth
is needed in the winter. The summer shading feature of trees is particularly important for the following reason. Most
homes are cooled with traditional window- or central- air conditioners using fractional horsepower single-phase
electric motors and modern refrigerants (chlorofluorocarbons that are less potent greenhouse gases than their
predecessors). The electro-mechanical efficiency of air conditioner components ranges from 35-50% based upon
the electrical energy available at the plug. But that electricity is arriving at your building with an overall efficiency of
about 30% based upon the energy content of the fuel going into the central electrical power plant. So, when the
overall fuel cycle is considered, building air conditioning is about 10-20% efficient, on the basis of energy
flow. Fortunately, humans feel a cooling effect from simple air movement that increases evaporation from the skin.
Most air conditioning rating systems incorporate this cooling effect, so their efficiency numbers do not appear quite
so grim. However, when shade trees cool a house such that one unit of air conditioning energy is avoided, 5 to 10
units of primary energy are avoided at the power plant. This is not only an important economic savings to you, but
also a very important environmental savings to the community.
Estimated Cost Savings:
Air conditioning in buildings represents 13-15% of your annual electricity budget, and a larger fraction during
summer months. By reducing the amount of air conditioning required, shade trees directly affect your bottom line.
The cost of quality shade trees ranges from a few dollars for a seedling to several hundred for a much larger tree.
Its a good idea to get at least an 8-10 foot high tree if possible. The sooner the tree grows shading capacity, the
sooner you can enjoy savings. The amount of savings can vary widely due to local circumstances but typical
savings are on the order of 10-20% of a summer electric bill. Similar savings from a windbreak will be realized in
winter during the heating season.
Issues:
Consider planting several varieties of trees: some fast-growing species (such as ash or aspen) for quick shade and
more durable, slower-growing and longer-lasting trees (such as maple or oak) that will eventually dominate. Shop
around for the best warranty on trees. Many nurseries provide planting and care instructions and will offer a oneyear
replacement guarantee.
Regional Issues:
Plant varieties appropriate to your climate. Some species of trees grow more slowly than others so you need to get
started as soon as planting season arrives.
Installation (Getting It Done):
Spring and fall are the best times to plant. Be sure to follow planting instructions and err on the side of digging too
large a hole. Be sure to incorporate organic material in the planting soil and to stake trees to provide mechanical
support. Mulch heavily and water thoroughly during summer dry spells.
Be sure to get bids from two or three (or more) nurseries and/or landscaping contractors if you choose not to plant
the trees yourself.
References:
Cooling Our Communities, A Guidebook on Tree Planting and Light-Colored Surfacing, US EPA 22P-2001,
January, 1992.
Perhaps the most pleasant economic savings can be derived from judicious and mindful planting of trees and
shrubs. The value of traditional plantings serving as windbreaks is well known. Additionally, well-placed deciduous
trees can shade a building during hot summer months yet allow warming sunshine to enter a building when warmth
is needed in the winter. The summer shading feature of trees is particularly important for the following reason. Most
homes are cooled with traditional window- or central- air conditioners using fractional horsepower single-phase
electric motors and modern refrigerants (chlorofluorocarbons that are less potent greenhouse gases than their
predecessors). The electro-mechanical efficiency of air conditioner components ranges from 35-50% based upon
the electrical energy available at the plug. But that electricity is arriving at your building with an overall efficiency of
about 30% based upon the energy content of the fuel going into the central electrical power plant. So, when the
overall fuel cycle is considered, building air conditioning is about 10-20% efficient, on the basis of energy
flow. Fortunately, humans feel a cooling effect from simple air movement that increases evaporation from the skin.
Most air conditioning rating systems incorporate this cooling effect, so their efficiency numbers do not appear quite
so grim. However, when shade trees cool a house such that one unit of air conditioning energy is avoided, 5 to 10
units of primary energy are avoided at the power plant. This is not only an important economic savings to you, but
also a very important environmental savings to the community.
Estimated Cost Savings:
Air conditioning in buildings represents 13-15% of your annual electricity budget, and a larger fraction during
summer months. By reducing the amount of air conditioning required, shade trees directly affect your bottom line.
The cost of quality shade trees ranges from a few dollars for a seedling to several hundred for a much larger tree.
Its a good idea to get at least an 8-10 foot high tree if possible. The sooner the tree grows shading capacity, the
sooner you can enjoy savings. The amount of savings can vary widely due to local circumstances but typical
savings are on the order of 10-20% of a summer electric bill. Similar savings from a windbreak will be realized in
winter during the heating season.
Issues:
Consider planting several varieties of trees: some fast-growing species (such as ash or aspen) for quick shade and
more durable, slower-growing and longer-lasting trees (such as maple or oak) that will eventually dominate. Shop
around for the best warranty on trees. Many nurseries provide planting and care instructions and will offer a oneyear
replacement guarantee.
Regional Issues:
Plant varieties appropriate to your climate. Some species of trees grow more slowly than others so you need to get
started as soon as planting season arrives.
Installation (Getting It Done):
Spring and fall are the best times to plant. Be sure to follow planting instructions and err on the side of digging too
large a hole. Be sure to incorporate organic material in the planting soil and to stake trees to provide mechanical
support. Mulch heavily and water thoroughly during summer dry spells.
Be sure to get bids from two or three (or more) nurseries and/or landscaping contractors if you choose not to plant
the trees yourself.
References:
Cooling Our Communities, A Guidebook on Tree Planting and Light-Colored Surfacing, US EPA 22P-2001,
January, 1992.
March 11, 2010
Spring fixes to help protect against fire
Fire threatens homes from two different directions... inside and outside. Statistics for 2000 show that 368,000 accidental home fires occurred, resulting in 3,420 deaths, 16,975 injuries and $5.5 billion in direct property damage. By comparison, in 2002, a total of 88,458 wildfires consumed 6,937,584 acres and 2,381 structures. Consequently, homeowners should take action to protect their home from fire both inside and out.
When the inside of your home burns, it's really not important whether a chimney fire, a candle or electrical problem started the house blazing. The important thing is that the fire is recognized immediately so that people and pets get to safety and the fire department has the opportunity to salvage the property.
Hard-wiring and interconnecting smoke detectors delivers a solid response to the possibility of fire. Interconnecting smoke detectors produces a simultaneous response to the presence of smoke. When one detector is activated, all detectors sound. This network of fire protection alerts the whole building. However, be warned that fire can damage the wiring of the home. This compromises the integrity of any hard-wired smoke detector unless it also uses a battery back-up. The battery back-up will take over ensuring a continuous response in case of fire.
Estimated Cost Savings:
While costs can range from less than $500 to a few thousand dollars for the electrical enhancements that create a smoke detection network, these expenses can often be reduced by combining the work with a remodeling project or other electrical improvements.
From the outside, drought and wildfire set the stage for homeowner anxiety. However, taking action now reduces future worries. In a process known as creating defensible space, a homeowner can diminish the wildfire threat. Essentially, three techniques guide homeowners through the process of creating defensible space – removal, reduction and replacement.
Getting It Done:
Start with the removal of entire plants. Dead trees and flammable shrubs as well as trees touching your home, within 15 feet of a chimney or encroaching on power lines pose the greatest risk. Once these hazards are removed, begin reduction – the removal of plant parts. For example, remove the low and dead branches 8 – 15 ft up the trees and mow dried grass. Finally, replace some of the more flammable vegetation (shrubs or trees) with other plants or landscaping materials that are less likely to burn.
Steepness of slope is directly related to the amount of defensible space needed. There are a variety of resources providing guidance with calculating the appropriate amount of space recommended. Or you may contact someone who specializes in fire mitigation and\or tree trimming services. There are even experts in fire-safe landscaping and design, also known as firescaping.
A homeowner can tackle many of the tasks related to the creation of defensible space to help control costs. And there are always things that can be done to improve fire safety with little or no cost... like identifying escape routes, designating a meeting place, testing your smoke detectors and practicing fire drills.
When the inside of your home burns, it's really not important whether a chimney fire, a candle or electrical problem started the house blazing. The important thing is that the fire is recognized immediately so that people and pets get to safety and the fire department has the opportunity to salvage the property.
Hard-wiring and interconnecting smoke detectors delivers a solid response to the possibility of fire. Interconnecting smoke detectors produces a simultaneous response to the presence of smoke. When one detector is activated, all detectors sound. This network of fire protection alerts the whole building. However, be warned that fire can damage the wiring of the home. This compromises the integrity of any hard-wired smoke detector unless it also uses a battery back-up. The battery back-up will take over ensuring a continuous response in case of fire.
Estimated Cost Savings:
While costs can range from less than $500 to a few thousand dollars for the electrical enhancements that create a smoke detection network, these expenses can often be reduced by combining the work with a remodeling project or other electrical improvements.
From the outside, drought and wildfire set the stage for homeowner anxiety. However, taking action now reduces future worries. In a process known as creating defensible space, a homeowner can diminish the wildfire threat. Essentially, three techniques guide homeowners through the process of creating defensible space – removal, reduction and replacement.
Getting It Done:
Start with the removal of entire plants. Dead trees and flammable shrubs as well as trees touching your home, within 15 feet of a chimney or encroaching on power lines pose the greatest risk. Once these hazards are removed, begin reduction – the removal of plant parts. For example, remove the low and dead branches 8 – 15 ft up the trees and mow dried grass. Finally, replace some of the more flammable vegetation (shrubs or trees) with other plants or landscaping materials that are less likely to burn.
Steepness of slope is directly related to the amount of defensible space needed. There are a variety of resources providing guidance with calculating the appropriate amount of space recommended. Or you may contact someone who specializes in fire mitigation and\or tree trimming services. There are even experts in fire-safe landscaping and design, also known as firescaping.
A homeowner can tackle many of the tasks related to the creation of defensible space to help control costs. And there are always things that can be done to improve fire safety with little or no cost... like identifying escape routes, designating a meeting place, testing your smoke detectors and practicing fire drills.
March 8, 2010
Spring is coming...really, I'm not kidding!
Now that spring is on it's way...or so the rumor goes, it's time to think about maintenence for you home.
- Replace your furnace filter
- Clean the kitchen exhaust hood and air filter
- Check your electrical system
- Always have a multi-purpose fire extinguisher accessible.
- Review your fire escape plan with your family
- Protect all your electrical appliances from power surges and lightning
- Have a professional air conditioning contractor inspect and maintain your system as recommended by the manufacturer
- Check for damage to your roof
- Run through a severe-weather drill with your family
- Repair all cracked, broken or uneven driveways and walks to help provide a level walking surface
- Protect your home from sewer or drain back-up losses
- Check all the fascia and trim for deterioration
- Clean clothes dryer exhaust duct, damper, and space under the dryer
- Replace all extension cords that have become brittle, worn or damaged
- Inspect and clean dust from the covers of your smoke and carbon monoxide alarms
February 21, 2010
A New Way That I Can Help You!
Yvonne Clark of Prudential Preferred Properties has earned the EcoBroker Certified® designation, having successfully completed an award-winning informative training program on the energy and environmental issues that affect real estate transactions. Yvonne joins the movement of professionals pushing the real estate market toward energy-efficient, sustainable, and healthier features in homes and buildings. Today’s focus on high-performance energy-efficient homes is a priority for this type of high-quality real estate professional earning the EcoBroker Certified® designation. EcoBrokers® like Yvonne are building premier market presence by serving as consumer and community resources on energy and environmental issues. With national surveys indicating that 9 out of 10 consumers consider energy efficiency and the environmentally sound aspects of a home to be almost as important as interior finishes, Certified EcoBrokers® are simply in a better position to serve the savvy green-minded real estate consumer.
“I’m always looking for the best ways to not only offer my clients the best value but to also develop a relationship where they feel I am a trusted resource,” Yvonne explains. “My EcoBroker Certified® training helps me ensure that my customers, who are my number one priority, get the knowledge they need. From energy-efficient appliances to solar options to overall energy savings, I now have more resources at my disposal to help my buyers and sellers make informed real estate decisions. The EcoBroker Certified® designation doesn’t make me an energy and environmental expert, but it puts me in a position to recognize issues and convey information on the products and services available to my buyers and sellers.”
EcoBroker International’s premier designation program is designed exclusively for real estate professionals who care about the environment and want to help their clients benefit from the energy-efficiency, “green,” and healthier features of properties. The extensive curriculum of energy and environmental training requires participants to fulfill additional program requirements to become Certified EcoBrokers®.
“Yvonne is an example of the quality real estate professional the EcoBroker Certified® designation continues to attract,” explains EcoBroker International CEO Dr. John Beldock. “These real estate professionals are not only distinguishing themselves in a competitive market place, but they are really giving back to the community in very constructive and meaningful ways. Minot needs more contributors like Yvonne. The planet and our grandchildren need them, too,” says Dr. Beldock.
The program also teaches its members how best to market and position themselves for that competitive edge within the real estate platform. Yvonne also explains, “With EcoBroker’s training, I have broadened the range of real estate opportunities I offer my clients. The real estate industry is forever changing, and I’m in a position to help. To best serve my clients, I need to understand the newest products, technologies and issues as they affect today’s real estate market. My EcoBroker Certified® designation helps me stay ahead of the game.”
“I’m always looking for the best ways to not only offer my clients the best value but to also develop a relationship where they feel I am a trusted resource,” Yvonne explains. “My EcoBroker Certified® training helps me ensure that my customers, who are my number one priority, get the knowledge they need. From energy-efficient appliances to solar options to overall energy savings, I now have more resources at my disposal to help my buyers and sellers make informed real estate decisions. The EcoBroker Certified® designation doesn’t make me an energy and environmental expert, but it puts me in a position to recognize issues and convey information on the products and services available to my buyers and sellers.”
EcoBroker International’s premier designation program is designed exclusively for real estate professionals who care about the environment and want to help their clients benefit from the energy-efficiency, “green,” and healthier features of properties. The extensive curriculum of energy and environmental training requires participants to fulfill additional program requirements to become Certified EcoBrokers®.
“Yvonne is an example of the quality real estate professional the EcoBroker Certified® designation continues to attract,” explains EcoBroker International CEO Dr. John Beldock. “These real estate professionals are not only distinguishing themselves in a competitive market place, but they are really giving back to the community in very constructive and meaningful ways. Minot needs more contributors like Yvonne. The planet and our grandchildren need them, too,” says Dr. Beldock.
The program also teaches its members how best to market and position themselves for that competitive edge within the real estate platform. Yvonne also explains, “With EcoBroker’s training, I have broadened the range of real estate opportunities I offer my clients. The real estate industry is forever changing, and I’m in a position to help. To best serve my clients, I need to understand the newest products, technologies and issues as they affect today’s real estate market. My EcoBroker Certified® designation helps me stay ahead of the game.”
February 15, 2010
Money Saving Ideas
There are many different ways to save money when you're a home owner. Some involve a bigger upfront investment such as new appliances, but the money savings seen from this investment can really add up! The direct economic savings reached by energy efficient appliances is in direct relation to how much the appliance will be used, the performance level of the equipment being replaced, and local costs for utilities. When you replace older equipment, it is not uncommon for electricity consumption for that appliance to decrease by 50% or more. In general, if the appliance being replaced is more than 15 years old, and it is replaced with a state-of-the-art unit, you may expect utility savings of 20%-60% compared with the energy required by the previous appliance. Horizontal-axis washing machines typically save consumers 50% in both electric and water utilities. Additional savings come from reduced quantities of detergent.
Your monthly electrical bill is for all electricity used by all electrical loads in the building, so changing a single appliance will lower the bill, but in proportion to the amount of electricity formerly used by that appliance. If refrigeration represents 15-20% of your electric bill, a new refrigerator that is twice as efficient as the unit being replaced will lower your total bill by about 7-10%.
Any increase in initial cost is usually more than made up in monthly savings. See ACEEE Consumer Guide to Home Energy Saving for more detailed information on appliances and savings.
Your monthly electrical bill is for all electricity used by all electrical loads in the building, so changing a single appliance will lower the bill, but in proportion to the amount of electricity formerly used by that appliance. If refrigeration represents 15-20% of your electric bill, a new refrigerator that is twice as efficient as the unit being replaced will lower your total bill by about 7-10%.
Any increase in initial cost is usually more than made up in monthly savings. See ACEEE Consumer Guide to Home Energy Saving for more detailed information on appliances and savings.
February 1, 2010
A different type of financing
Did you know that the average homeowner spends close to $1,300 a year on utility bills? Did you also know that an energy-efficient home with proper insulation, high efficiency heating and cooling systems, and energy efficient windows, can lower your utility bills by 10 to 50 percent? Not only that but, some banks offer special financing for someone buying an Energy Star rated home! You can often get up to 2% more financing even with the same qualifications as you would use on a "regular" home simply due to the lender understanding the utility savings of an energy efficient home. It is also often possible to get "built in" financing if you are buying a home that you will be upgrading the energy efficiency in, once you move in! With this special financing there is no required extra amount down, or second appraisal. Check with your lender today to find out all of your mortgage options!
January 20, 2010
Now what?
Ok, so you've found a REALTOR® to work with. You've been to the bank and find out everything is good there and you're ready to find your home. Now what? What can you expect when looking for a home? You can expect to look at several houses...the average being 12. But of course that all depends on the market you're looking in along with how much house you can afford. Your REALTOR® will be able to help you narrow down properties to look at depending on your needs. If you're in a bigger market you may have several dozen to look at. Smaller market? As few as one home may be available. Don't worry if that's the case...generally it's only a matter of time before something else comes up for sale.
Now the fun begins....house hunting!! You make the appointment to meet with your REALTOR®, view the list of homes to see and head out the door. Here's an important tip...bring a pen and a notebook. You're going to want to take notes on the houses you see. But, not every house you see. Only the ones you really are considering buying. And on that same note, use a process of elimination. With each house you see, determine if you can really picture yourself living there. If the answer is no, cross it off your list and don't think about that house again. Try and keep it to TWO houses on your list. With each new house you look at, if you can't say you like it more than the two already on your list, off the list it goes. This will help keep you better organized and not wondering throughout the day which house had what to offer and which one you liked the most.
Now you look at house after house and finally decide which one is for you. It's time to write an offer. What you offer and other details of your purchase agreement will be best advised by your REALTOR® as they know the local market. Once the offer is submitted to the listing agent, several things can happen. The seller can accept your offer "as is", but that's rare. In most circumstances there will be negotiations. This can happen rather quickly...as in a matter of minutes if there isn't a lot to negotiate. Or, it can happen over a matter of hours...even days. When it comes to trying to figure out a price that both you the buyer, and they the seller, are happy with, think about what the difference in price means over the long run. If you are (for example), three thousand dollars apart in price, think about two things...how much do you want this house? And what will three thousand dollars broken down over the course of my mortgage actually cost me a month?...basically a few dollars more per month.
So, your offer is accepted..again, now what? Now is when, if you're having one, you hire a home inspector. Many states require home inspectors to be licensed so choosing one will likely be a matter of personal choice and cost. You can always ask your REALTOR® whom they've worked with in the past that they've had a good experience with. Remember to be prepared for pay for the inspection the day it happens if that is what is required in your area. If you can be there when the inspection is happening it's a good idea to do so. Once the inspection is done it will be a few days until you get the report. When you get the report back, go over it with your REALTOR®. They have the experience to help you understand what the inspector has "flagged" and let you know if it's something you need to worry about. Bigger issues that come up on the home inspection can result in renegotiating your offer to purchase so long as the offer was contingent on the home inspection. Just remember not to get hung up on the details of the report.
Once the home inspection is over and everything is settled, it's time to wait. The process is now out of your (and your REALTOR'S®) hands, as other people now take over. The bank will send an appraiser to appraise the value of the property. There will be attorney reviews, title searches, underwriting...all kinds of things. The important part now, is to be patient. It's also important to note at this time, DON'T BUY ANYTHING! Now I'm not talking about a latte or something little. I'm talking about a new car, boat or pretty new furniture that will look great in your new living room. The reason? Any new debt at this point can change your borrowing power and you may need to be re-qualified for your loan.
Once, when what feels like an eternity has past, and everyone has given the O.K., it's time to close. Be sure and talk to your lender to make sure that all the numbers are what they should be on the settlement statement (your lender or REALTOR® can explain to you what that is) and that you have your money in order. Depending in what type of loan you have and terms of the purchase agreement, you will likely need to have "certified" funds ready to bring to the closing table. Your lender will let you know exactly how much that will be, but you should already have a pretty good idea of the amount before even starting your home search. Once you get to the closing table you may be overwhelmed by the amount of paperwork for you to sign. But before you know it, it will all be over and you will be a home owner!
Enjoy....and now you can go buy your furniture.
Now the fun begins....house hunting!! You make the appointment to meet with your REALTOR®, view the list of homes to see and head out the door. Here's an important tip...bring a pen and a notebook. You're going to want to take notes on the houses you see. But, not every house you see. Only the ones you really are considering buying. And on that same note, use a process of elimination. With each house you see, determine if you can really picture yourself living there. If the answer is no, cross it off your list and don't think about that house again. Try and keep it to TWO houses on your list. With each new house you look at, if you can't say you like it more than the two already on your list, off the list it goes. This will help keep you better organized and not wondering throughout the day which house had what to offer and which one you liked the most.
Now you look at house after house and finally decide which one is for you. It's time to write an offer. What you offer and other details of your purchase agreement will be best advised by your REALTOR® as they know the local market. Once the offer is submitted to the listing agent, several things can happen. The seller can accept your offer "as is", but that's rare. In most circumstances there will be negotiations. This can happen rather quickly...as in a matter of minutes if there isn't a lot to negotiate. Or, it can happen over a matter of hours...even days. When it comes to trying to figure out a price that both you the buyer, and they the seller, are happy with, think about what the difference in price means over the long run. If you are (for example), three thousand dollars apart in price, think about two things...how much do you want this house? And what will three thousand dollars broken down over the course of my mortgage actually cost me a month?...basically a few dollars more per month.
So, your offer is accepted..again, now what? Now is when, if you're having one, you hire a home inspector. Many states require home inspectors to be licensed so choosing one will likely be a matter of personal choice and cost. You can always ask your REALTOR® whom they've worked with in the past that they've had a good experience with. Remember to be prepared for pay for the inspection the day it happens if that is what is required in your area. If you can be there when the inspection is happening it's a good idea to do so. Once the inspection is done it will be a few days until you get the report. When you get the report back, go over it with your REALTOR®. They have the experience to help you understand what the inspector has "flagged" and let you know if it's something you need to worry about. Bigger issues that come up on the home inspection can result in renegotiating your offer to purchase so long as the offer was contingent on the home inspection. Just remember not to get hung up on the details of the report.
Once the home inspection is over and everything is settled, it's time to wait. The process is now out of your (and your REALTOR'S®) hands, as other people now take over. The bank will send an appraiser to appraise the value of the property. There will be attorney reviews, title searches, underwriting...all kinds of things. The important part now, is to be patient. It's also important to note at this time, DON'T BUY ANYTHING! Now I'm not talking about a latte or something little. I'm talking about a new car, boat or pretty new furniture that will look great in your new living room. The reason? Any new debt at this point can change your borrowing power and you may need to be re-qualified for your loan.
Once, when what feels like an eternity has past, and everyone has given the O.K., it's time to close. Be sure and talk to your lender to make sure that all the numbers are what they should be on the settlement statement (your lender or REALTOR® can explain to you what that is) and that you have your money in order. Depending in what type of loan you have and terms of the purchase agreement, you will likely need to have "certified" funds ready to bring to the closing table. Your lender will let you know exactly how much that will be, but you should already have a pretty good idea of the amount before even starting your home search. Once you get to the closing table you may be overwhelmed by the amount of paperwork for you to sign. But before you know it, it will all be over and you will be a home owner!
Enjoy....and now you can go buy your furniture.
January 13, 2010
Your Next Step
Now that you've thought about your house and have looked for a REALTOR®, it's time to figure out how you're going to pay for your dream. It's important that before you start looking for a home and end up falling in love with something, that you make sure your finances are together and can afford to buy your home. It can save you a lot of heartache knowing ahead of time how much house you can buy...or if you can buy one at all. Often times your REALTOR® will be more than happy to go along with you when you talk to a lender. Sometimes it's nice to have someone on your side to help walk you through the "hard part" of buying your home. But, you can also find and talk with a lender before finding a REALTOR®. As important as it is to find a REALTOR® that you're comfortable with, it's just as important to work with a lender that you like. You're going to be sharing a lot of very personal information with your lender and you don't want to feel like you're sitting in judgement or in front of the principal being scolded for not having a perfect credit score. Finding the right lender for you may take a little work. I would suggest talking to several different banks and finding someone that you feel comfortable with. Another reason to "shop around" is because aside from the interest rates, banks charge what's known as an "origination" fee and that can very from lender to lender. So now that you've got your REALTOR® and you've found a lender, what will you need to do now? Depending on the bank and the type of loan you are getting you're going to have to make sure you saved money for the down payment. Even if you've found a place who will give you a "no down payment" loan that doesn't mean you will have no out of pocket expense. There are still things you will need to have money for. One thing you will need to pay for is the appraisal. There is no way of getting around having one unless you are paying for your house with cash...and if you are doing that, stop reading this post, call your REALTOR® and go find your house! But, if like the majority of the population you need help financing your home, the bank is going to require an appraisal. They need to make sure that the house they are going to lend you money to buy is worth the cost. There can also be fees for attorneys, filing fees, underwriting fees, taxes, title insurance, morgage insurance, home owners insurance and if you choose (and it's always a good idea) to have a home inspection.... It's best to talk to your lender to see exactly how much you will need to have. You will also need to be prepared for some paperwork. You will most likely need the following...
For salaried & hourly employees
W2’s for the past 2 years
Two most recent pay stubs
Commissioned, Bonus or 1099 Income
Complete Federal tax returns for the past 2 years (Including W2’s, 1099’s and all schedules)
If you are self employed
Two most recent tax returns (ALL SCHEDULES).
Information on all of your assets and about your bills.
Every lender will require certain things but this is a general guideline of what to expect. It also can be a very good idea to check your own credit score at www.myfico.com as your FICO score is what the bank will look at.
For salaried & hourly employees
W2’s for the past 2 years
Two most recent pay stubs
Commissioned, Bonus or 1099 Income
Complete Federal tax returns for the past 2 years (Including W2’s, 1099’s and all schedules)
If you are self employed
Two most recent tax returns (ALL SCHEDULES).
Information on all of your assets and about your bills.
Every lender will require certain things but this is a general guideline of what to expect. It also can be a very good idea to check your own credit score at www.myfico.com as your FICO score is what the bank will look at.
January 7, 2010
Start at the Beginning
So you're thinking about buying a home. That's great! I'm sure you've thought, daydreamed maybe, about what your new home will look like. You may have even picked out the neighborhood and paint colors already...but have you thought about where to begin? One of the smartest moves you can make is to start with finding a REALTOR® .
First of all, not everyone who sells Real Estate is a REALTOR®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and adheres to its strict Code of Ethics. Here are five reasons why it pays to work with a REALTOR®.
1. You’ll have an expert to guide you through the process. Buying or selling a home usually requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multi-page settlement statements. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes.
2. Get objective information and opinions. REALTORS® can provide local community information on utilities, zoning, schools, and more. They’ll also be able to provide objective information about each property. A professional will be able to help you answer these two important questions: Will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?
3. Find the best property out there. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your REALTOR® to find all available properties.
4. Benefit from their negotiating experience. There are many negotiating factors, including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.
5. Property marketing power. Real estate doesn’t sell due to advertising alone. In fact, a large share of real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals, friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.
6. Real estate has its own language. If you don’t know a CMA from a PUD, you can understand why it’s important to work with a professional who is immersed in the industry and knows the real estate language.
7. REALTORS® have done it before. Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. And even if you’ve done it before, laws and regulations change. REALTORS®, on the other hand, handle hundreds of real estate transactions over the course of their career. Having an expert on your side is critical.
8. Buying and selling is emotional. A home often symbolizes family, rest, and security — it’s not just four walls and a roof. Because of this, home buying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you stay focused on both the emotional and financial issues most important to you.
9. Ethical treatment. Every member of the NATIONAL ASSOCIATION of REALTORS® makes a commitment to adhere to a strict Code of Ethics, which is based on professionalism and protection of the public. As a customer of a REALTOR®, you can expect honest and ethical treatment in all transaction-related matters. It is mandatory for REALTORS® to take the Code of Ethics orientation and they are also required to complete a refresher course every four years.
(Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.)
Like I stated earlier...it's important to start at the beginning. In the coming blogs I'll be lending more information to buyers, sellers, and current home owners so be sure to check in often, or feel free to contact me for more information or to set up an appointment and I can help you get started on your home buying/selling/owning adventure!
First of all, not everyone who sells Real Estate is a REALTOR®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and adheres to its strict Code of Ethics. Here are five reasons why it pays to work with a REALTOR®.
1. You’ll have an expert to guide you through the process. Buying or selling a home usually requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multi-page settlement statements. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes.
2. Get objective information and opinions. REALTORS® can provide local community information on utilities, zoning, schools, and more. They’ll also be able to provide objective information about each property. A professional will be able to help you answer these two important questions: Will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?
3. Find the best property out there. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your REALTOR® to find all available properties.
4. Benefit from their negotiating experience. There are many negotiating factors, including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.
5. Property marketing power. Real estate doesn’t sell due to advertising alone. In fact, a large share of real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals, friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.
6. Real estate has its own language. If you don’t know a CMA from a PUD, you can understand why it’s important to work with a professional who is immersed in the industry and knows the real estate language.
7. REALTORS® have done it before. Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. And even if you’ve done it before, laws and regulations change. REALTORS®, on the other hand, handle hundreds of real estate transactions over the course of their career. Having an expert on your side is critical.
8. Buying and selling is emotional. A home often symbolizes family, rest, and security — it’s not just four walls and a roof. Because of this, home buying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you stay focused on both the emotional and financial issues most important to you.
9. Ethical treatment. Every member of the NATIONAL ASSOCIATION of REALTORS® makes a commitment to adhere to a strict Code of Ethics, which is based on professionalism and protection of the public. As a customer of a REALTOR®, you can expect honest and ethical treatment in all transaction-related matters. It is mandatory for REALTORS® to take the Code of Ethics orientation and they are also required to complete a refresher course every four years.
(Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.)
Like I stated earlier...it's important to start at the beginning. In the coming blogs I'll be lending more information to buyers, sellers, and current home owners so be sure to check in often, or feel free to contact me for more information or to set up an appointment and I can help you get started on your home buying/selling/owning adventure!
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