Buyer Tips April 18, 2023

Buying Your First Home!

Buying Your First Home!

Buying your first home is a major milestone, and it’s an exciting time in your life. However, it can also be a daunting process, especially if you’re unfamiliar with the home buying process. As a first time home buyer, there are several important things you need to be aware of to ensure that you make a wise and informed decision. In this blog post, we’ll discuss some of the key things that you should be aware of when buying your first home.

  1. Determine what you can afford

Before you start looking at homes, it’s essential to determine what you can afford. You should take into account your income, expenses, and debts, as well as any future expenses such as children, education, and retirement. You should also consider your down payment and closing costs, which can add up quickly. A mortgage calculator can help you estimate your monthly mortgage payments and determine how much you can afford.

  1. Get pre-approved for a mortgage

Getting pre-approved for a mortgage is a crucial step in the home buying process. A pre-approval letter from a lender will give you a clear idea of how much you can borrow and what your interest rate will be. This will also show sellers that you’re a serious buyer and that you have the financial means to purchase their home.

  1. Research neighborhoods and schools

When buying a home, you’re not just buying a property – you’re also buying into a neighborhood and community. It’s important to research different neighborhoods to find one that suits your lifestyle, needs, and budget. You should also consider the quality of schools in the area, even if you don’t have children, as it can impact the value of your home in the future.

  1. Work with a real estate agent

Working with a reputable and experienced real estate agent can be invaluable when buying your first home. They can provide you with valuable insights into the local housing market, help you navigate the buying process, and negotiate on your behalf. They can also help you find properties that meet your specific needs and budget.

  1. Get a home inspection

Before closing on a home, it’s important to have it inspected by a professional. A home inspection can reveal any issues or potential problems with the property that may not be visible during a standard walk-through. This can include issues with the roof, foundation, plumbing, and electrical systems. A home inspection can help you avoid any costly surprises down the road.

  1. Don’t rush the process

Buying a home is a big decision, and it’s important not to rush the process. Take your time to find the right home and make sure that you’re comfortable with the terms of the sale. Don’t be afraid to ask questions and seek advice from your real estate agent, lender, and other professionals involved in the process.

In conclusion, buying your first home can be an exciting and rewarding experience, but it’s important to approach it with a clear head and a solid plan. By following these tips, you can make informed decisions and find the perfect home for you and your family. Good luck!

Sellers April 12, 2023

The Advantage of Accepting a VA Mortgage

The Advantage of Accepting a VA Mortgage

If you’re a seller, you may be hesitant to accept an offer from a buyer who’s using a VA mortgage to finance their purchase. However, accepting a VA mortgage offer can actually benefit you in a number of ways. In this blog post, we’ll explore some of the benefits of accepting a buyer with a VA mortgage.

First, let’s briefly go over what a VA mortgage is. A VA mortgage is a home loan that’s guaranteed by the Department of Veterans Affairs. These loans are available to eligible veterans, service members, and their spouses, and they offer a number of benefits over traditional mortgages, including lower interest rates and more flexible requirements.

Now, let’s dive into the benefits of accepting a buyer with a VA mortgage.

  1. Faster and smoother closing process

One of the biggest benefits of accepting a buyer with a VA mortgage is that the closing process is often faster and smoother than with other types of loans. Many VA buyers are fully unwritten and only need to identify a property. Once the property has been identified the buyer will do their inspections. The lender will then order a title search and the appraisal. If there aren’t any issues than many VA buyers can close within 30 days.

  1. No down payment required

Another benefit of accepting a buyer with a VA mortgage is that they won’t be required to make a down payment. This can be a major advantage for buyers who may not have enough money saved up for a down payment, and it can also make your home more attractive to potential buyers who are looking for ways to save money on their purchase.

  1. Lower risk of foreclosure

Because VA loans are backed by the government, they have a lower risk of foreclosure than other types of loans. This is because the VA has programs in place to help veterans who are struggling to make their mortgage payments, which can help prevent foreclosures and keep homeowners in their homes. This can be reassuring for sellers who may be concerned about the potential for foreclosure down the line.

  1. High credit standards

Finally, it’s worth noting that VA loans have high credit standards, which can give you peace of mind as a seller. In order to qualify for a VA loan, buyers need to have a good credit score and a stable income, which can help ensure that they’re able to make their mortgage payments on time. This can be particularly important if you’re selling a high-value property and want to make sure that the buyer is financially stable.

In conclusion, accepting a buyer with a VA mortgage can have a number of benefits for sellers. From a faster and smoother closing process to a lower risk of foreclosure, there are plenty of reasons to consider accepting an offer from a buyer with a VA loan. If you’re a seller and you’re on the fence about whether to accept an offer from a VA buyer, it may be worth talking to your real estate agent or lender to learn more about the advantages of these types of loans.

Buyer Tips April 4, 2023

Rent vs Own

Rent vs Own

Owning versus renting is a dilemma that many people face when it comes to housing. While renting is often seen as a more flexible and affordable option, owning a home comes with a range of benefits that can make it a wise investment in the long run. In this blog post, we will explore the benefits of owning versus renting and help you decide which option is best for you.

  1. Building equity

One of the most significant benefits of owning a home is building equity. Every mortgage payment you make goes towards paying off the loan and increasing your equity in the property. As you pay down your mortgage, your equity grows, and you may even see a significant return on your investment when you sell your home in the future. In contrast, when you rent, you are essentially paying someone else’s mortgage and building no equity of your own.

  1. Control and customization

Owning a home gives you the freedom to customize your living space to your liking. You can paint the walls, install new fixtures, and make other changes to your home without needing to ask for permission from a landlord. When renting, you may face restrictions on what you can and cannot do to the property, limiting your ability to make it truly feel like home.

  1. Stability and security

Owning a home provides a sense of stability and security that renting cannot match. When you own a home, you have a fixed monthly mortgage payment, and you know exactly how much you need to pay each month. Additionally, owning a home provides protection against rent increases, which can be significant in areas with high demand for rental properties. Finally, owning a home also gives you a sense of permanence, and you do not need to worry about finding a new place to live when your lease expires.

  1. Tax benefits

Owning a home can provide significant tax benefits that are not available to renters. Homeowners can deduct mortgage interest, property taxes, and other expenses related to homeownership from their federal income taxes. These deductions can add up to significant savings each year, and can help offset the costs of homeownership.

  1. Investment potential

Owning a home can also provide an opportunity for investment. Real estate has historically been a stable and appreciating asset, and owning a home can provide long-term financial benefits. Additionally, homeowners can rent out their properties, generating income from the property and further increasing their investment potential.

In conclusion, while renting may seem like a more flexible and affordable option in the short term, owning a home provides a range of benefits that can make it a wise investment in the long run. From building equity to customization to tax benefits and investment potential, owning a home provides a sense of stability and security that renting cannot match. Ultimately, the decision to own or rent will depend on your personal circumstances and financial goals, but it is important to carefully consider all the factors before making a decision.

Buyer Tips March 28, 2023

Open House Etiquette

Open House Etiquette

Buying a home is an exciting time, and attending an open house can be a crucial step in the process. An open house provides an opportunity to view the property in person, ask questions, and get a feel for the neighborhood. However, attending an open house also comes with certain etiquette expectations that buyers should be aware of. Here are some tips on open house etiquette for buyers:

  1. Respect the homeowner’s property: Remember that an open house is someone’s home, so treat it with respect. Don’t touch the owner’s personal belongings or use their facilities without permission. Avoid bringing food or drinks into the house, and make sure to wipe your feet before entering.
  2. Be punctual: Arrive on time for the open house and allow yourself plenty of time to explore the property. If you’re running late or can’t make it, consider contacting the real estate agent to let them know.
  3. Sign in: Many open houses require attendees to sign in, so be prepared to provide your name and contact information. This information helps the real estate agent follow up with you after the open house, and it’s also a safety measure for the homeowner.
  4. Ask permission to take photos: If you want to take photos or video of the property, make sure to ask permission first. Some homeowners may not be comfortable with this, and it’s important to respect their wishes.
  5. Be mindful of other attendees: You may not be the only one attending the open house, so be mindful of other attendees. Avoid blocking doorways or hallways, and try to keep noise levels down so that everyone can hear the real estate agent’s presentation.
  6. Ask questions: An open house is an excellent opportunity to ask questions about the property. Don’t be afraid to ask the real estate agent about the home’s history, recent updates, or any concerns you may have.
  7. Provide feedback: After the open house, consider providing feedback to the real estate agent. This feedback can help them better understand what you’re looking for in a home, and it can also help the homeowner make any necessary updates or improvements.

Attending an open house can be a great way to find your dream home, but it’s essential to be respectful and mindful of others. By following these tips, you can ensure a pleasant experience for everyone involved.

Home Ownership March 21, 2023

Curb Appeal for Selling Your Home

Curb Appeal for Selling Your Home

When it comes to selling a house, first impressions matter. This is why curb appeal is so important. Curb appeal refers to the attractiveness of a property from the street or curb, and it can make or break a potential buyer’s interest in a home. In this blog post, we will discuss what curb appeal is, why it matters, and some tips for improving it.

What is Curb Appeal?

Curb appeal is the overall attractiveness of a property from the street. This includes the exterior of the house, the landscaping, the driveway, and any other features visible from the curb. Good curb appeal creates a positive first impression for potential buyers and can increase the value of a home.

Why is Curb Appeal Important?

Curb appeal is important because it can significantly affect a potential buyer’s interest in a property. If a home looks well-maintained and attractive from the outside, buyers are more likely to want to see the inside. In contrast, if a home looks run-down or uninviting from the street, buyers may not even want to take a closer look.

Additionally, curb appeal can impact the value of a property. Homes with good curb appeal generally sell for more than homes with poor curb appeal. This is because buyers are willing to pay more for a home that looks nice and well-maintained.

Tips for Improving Curb Appeal

  1. Keep the Exterior Clean and Well-Maintained: This means regularly washing the exterior of the house, keeping the lawn mowed and trimmed, and removing any clutter or debris from the yard.
  2. Add Colorful Landscaping: Plant colorful flowers and plants along the front of the house or in the yard. This will add a pop of color and make the property look more inviting.
  3. Upgrade the Front Door: The front door is often the focal point of a home’s exterior. Consider upgrading to a new door or giving the current door a fresh coat of paint.
  4. Add Outdoor Lighting: Outdoor lighting can make a home look more welcoming and secure. Consider adding lights along the walkway or porch.
  5. Update the Mailbox: A new mailbox can add a small but noticeable upgrade to a home’s exterior. Choose a mailbox that complements the style of the house.

In conclusion, curb appeal is an important factor when it comes to selling a home. By keeping the exterior clean and well-maintained, adding colorful landscaping, upgrading the front door, adding outdoor lighting, and updating the mailbox, you can significantly improve the curb appeal of a property. By doing so, you can attract potential buyers and increase the value of the home.

Uncategorized March 14, 2023

Should you sell this Spring?

Spring is often considered the best season to list a home for sale. The weather is mild, the flowers are blooming, and buyers are on the lookout for their next dream home. But why is Spring 2023 the perfect time for sellers to list their homes in Rhode Island and Massachusetts? Here are a few reasons why.

  1. High Demand for Homes

The real estate market in Rhode Island and Massachusetts is currently experiencing high demand from buyers. This is due to a combination of factors, including low interest rates, a strong economy, and a shortage of available homes for sale. This means that sellers are likely to receive multiple offers on their property, potentially resulting in a higher sale price.

  1. Limited Inventory

While demand for homes is high, inventory is currently low in Rhode Island and Massachusetts. This means that there are not enough homes on the market to meet the demand from buyers. As a result, sellers who list their homes this Spring are likely to attract more attention from buyers and may receive offers above their asking price.

  1. Favorable Market Conditions

The current real estate market conditions in Rhode Island and Massachusetts are favorable for sellers. This is due to a combination of factors, including low interest rates, a strong economy, and a shortage of available homes for sale. This means that sellers are likely to receive multiple offers on their property, potentially resulting in a higher sale price.

  1. Spring is a Popular Time to Buy

Spring is often considered the best time to buy a home. This is because the weather is mild, the flowers are blooming, and buyers are on the lookout for their next dream home. As a result, sellers who list their homes this Spring are likely to attract more attention from buyers and may receive offers above their asking price.

  1. Time to Prepare

If you’re thinking about listing your home for sale this Spring, now is the time to start preparing. This includes decluttering, making any necessary repairs, and staging your home to make it look its best. By starting early, you’ll have plenty of time to get your home ready for the market and can take advantage of the favorable market conditions in Rhode Island and Massachusetts.

In conclusion, Spring 2023 is the perfect time for sellers to list their homes in Rhode Island and Massachusetts. With high demand, limited inventory, favorable market conditions, and the popularity of Spring home buying, sellers are likely to receive multiple offers on their property, potentially resulting in a higher sale price. So, if you’re thinking about selling your home, now is the time to start preparing and take advantage of the favorable market conditions in your area.

Home Ownership February 28, 2023

8 Solutions for Fixing A Wet Basement

8 Solutions for Fixing A Wet Basement — Plus, How to Keep It Dry

By: Jeanne Huber

Getting water out of your basement and fixing the underlying problems are two of the most important things you can do to protect the value of your home and health of your family.

Not only does a wet basement feel and smell nasty, it poses a great risk to your home’s value. Left unchecked, basement moisture can ruin floors and walls, encourage mold, even damage roofing.

Some wet basements are easy to cure simply by clearing gutters and by diverting gutter water away from the foundation. But if the problem comes from other sources — water flowing toward the house on the surface, seeping in from underground, or backing up through municipal storm drains — you must take more-aggressive action.

Here are eight strategies to keep water out of your basement.

1. Add Gutter Extensions

If downspouts are dumping water less than five feet away from your house, you can guide water farther out by adding plastic or metal gutter extensions.

But extensions aren’t the neatest or most effective long-term solution, especially if you’re likely to trip over them or run over them with a lawn mower. Permanent, underground drain pipe is invisible and capable of moving large quantities of gutter runoff much farther from your house.

Regrading around a foundation for drainage issues costs $835 to $3,000.

2. Plug Gaps

If you see water dribbling into the basement through cracks or gaps around plumbing pipes, you can plug the openings yourself with hydraulic cement or polyurethane caulk for about $10.

Plugs work when the problem is simply a hole that water oozes through, either from surface runoff or from wet soil. But if the water is coming up through the floor or at the joint where floor and walls meet, the problem is groundwater, and plugs won’t do the trick.

3. Restore the Crown

If the gutters are working and you’ve plugged obvious holes, but water still dribbles into your basement or crawl space from high on foundation walls, that means surface water isn’t draining away from the house as it should.

Your house should sit on a “crown” of soil that slopes at least six inches over the first 10 feet in all directions.

Over time, the soil around the foundation settles. You can build it back with a shovel and dirt. One cubic yard of a water-shedding clay-loam mix from a landscape supply house costs around $30 (plus delivery) and is enough for a two-foot-wide, three-inch-deep layer along 57 feet of foundation.

4. Reshape the Landscape

Since your home’s siding slightly overlaps its foundation, building up the crown could bring soil — and rot and termites — too close to siding for comfort: Six inches is the minimum safe distance. In that case, create a berm (a mound of dirt) or a swale (a wide, shallow ditch), landscape features that redirect water long before it reaches your house.

In small areas, berms are easy; a landscape contractor can build one for a few hundred dollars. On bigger projects, berms make less sense because you’ll have to truck in too much soil. In that case, dig a swale ($450 to $2,000). Once landscaping grows in, berms and swales can be attractive features in your yard.

5. Repair Footing Drains

If water is leaking into your basement low on the walls or at the seams where walls meet the floor, your problem is hydrostatic pressure pushing water up from the ground.

First, check whether you have footing drains, underground pipes installed when the house was built to carry water away from the foundation. (Look for a manhole or drain in the basement floor or a cleanout pipe capped a few inches above the floor.)

If the drains are clogged, open the cleanout and flush the pipes with a garden hose. If that doesn’t work, a plumber with an augur can do the job for about $600.

6. Install a Curtain Drain

If you don’t have working footing drains, install a curtain drain to divert water that’s traveling underground toward your house.

A type of French drain, a curtain drain is a shallow trench — two feet deep and 1.5 feet across — filled with gravel and perforated piping that intercepts water uphill of your house and carries it down the slope a safe distance away.

If the drain passes through an area with trees or shrubs, consider switching to solid pipe to reduce the risk of roots growing into the piping and clogging it. Cost: $10 to $16 per linear foot.

7. Pump the Water

If you can’t keep subsurface water out, you’ll have to channel it from the inside.

To create an interior drain system, saw a channel around the perimeter of the floor, chip out the concrete, and lay perforated pipe in the hole. The pipe drains to a collection tank at the basement’s low spot, where a sump pump shoots it out of the house.

Costing about $5,500, an interior system is the best and least disruptive option in an unfinished basement with easy access. It’s also a good choice if your yard is filled with mature landscaping that would be destroyed by digging an exterior drainage system.

8. Waterproof the Walls

Installing an interior drainage system gets the water out but doesn’t waterproof the walls. For that, you need an exterior system: a French drain to relieve hydrostatic pressure and exterior waterproofing to protect the foundation.

It’s a big job that requires excavating around the house, but it may be the best solution if you have a foundation with numerous gaps. It also keeps the mess and water outside, which may be the best choice if you don’t want to tear up a finished basement.

The downside, besides a price tag that can reach $18,000, is that your yard takes a beating, and you may need to remove decks or walkways.

Home Ownership February 21, 2023

5 Home Improvement Projects That Pay Off

5 Home Improvement Projects That Pay Off

By: Lynn Ettinger

Not feeling like a big spender these days? Check out the rewards of small home improvements.

How can myths sound so right yet still be wrong? Take the one that says homeowners need to do a big remodeling project (think HGTV gut rehab) to get a worthwhile return on investment or happiness. Not necessarily, according to the most recent National Association of REALTORS® “Remodeling Impact Report.” The survey found that homeowners can get payback and joy from several smaller, lower-dollar-value home improvement projects.

That’s good news for the one in five millennials and Gen Xers who had to compromise on the house they bought in 2021. Ditto for potential buyers whose offers were rejected and who are staying put for now. If you’re coping with inflation but eyeing a home improvement, a smaller remodel is worth considering.

Small projects are suited to DIY, which can save you cash. NAR research showed that 10% of young millennials, between 23 and 31, want a fixer-upper home where they can work on DIY projects. The supply chain is also cooperating, as some products used in renovation are coming back into the market.

Of course, kitchen and bathroom makeovers will always have a place in our hearts — if not our wallets. The following five high-performing projects listed in the NAR report are less expensive — though admittedly less exciting — options. But then again, there’s nothing woo-hoo about your scratched and dinged hardwood floors or having your utility bills outpace your grocery bills.

#1 Hardwood Flooring Refinish or Replacement

“Interest in hardwood floors was definitely the headline from this year’s report,” says Jessica Lautz, vice president of NAR Demographics and Behavioral Insights. In fact, refinishing hardwood floors grabbed the top spot for interior remodeling projects that bring the highest return. Remodelers estimated the cost at $3,400, and REALTORS® estimated the value recovered at $5,000, a whopping 147% return. Consumers gave the project a joy score of 10 out of 10. On top of that, 100% of consumers surveyed said they want to be at home more after finishing the project. For 64% of consumers, the most important benefits were durable and lost-lasting results and materials.

“With hardwood floors, you get a lot of bang for your buck, and they’re not that expensive,” Lautz says. “And people really like them.” Postpandemic, homeowners are still concerned about cleanliness, and hardwood floors are relatively easy to clean. Plus, with increased pet adoption, homeowners prefer surfaces that are less likely to stain or retain odors.

Refinishing makes sense when everyday life has left scuffs, dents, dullness, and scratches — all unwanted reminders of spills, accidents, dragged furniture, and ground-in dirt from foot traffic. Your options for refinishing will depend on whether the coating or the wood itself is damaged. The deeper the damage, the higher the refinishing cost.

New wood flooring snagged the second-highest score for interior projects, with a $5,500 cost and a $6,500 cost recovery, netting 118% in value recovered. Although it’s a bigger investment than refinishing, new flooring will let you opt for the hardwood and finish you prefer. And that will affect the floor’s durability and appearance.

#2 Insulation Upgrade

Buyers want to cut their energy costs where they can, Lautz says. “We see consumers who want a home that’s energy efficient. They want their utility costs cut and efficient heating and cooling. But the typical home they’re purchasing is 29 years old and quite dated. So, it may not have good insulation.”

Making this home improvement could factor into more than comfort level and energy prices by appealing to buyers when you’re ready to sell. In a survey of REALTORS®, 63% said promoting energy efficiency in listings was very or somewhat valuable. That’s in line with preferences of home buyers, who ranked the importance of heating/cooling and insulation at seven out of 10.

If you’re still on the fence, consider that an insulation upgrade, at an average cost of $2,500, is relatively inexpensive. And it recovers $2,500 for a break even. The joy score of 10 is worth shouting about.

You can tackle an insulation upgrade as a DIY project; some can be done in a short 15 minutes. Installing certain types of insulation materials, like fiberglass and mineral wool, are especially DIY-able, according to the North American Insulation Manufacturers Association. But spray foam and some other insulation types require a professional. The Department of Energy offers advice too: The maximum thermal performance, or R-value, of insulation greatly depends on how well it’s installed. So, it pays to stick within your skill level.

#3 Closet Renovation

Consumers surveyed took on a closet upgrade for two main reasons: to add features and improve livability, and to improve organization and storage. This update averaged $6,000, costing more than some of the other smaller projects. But the cost recovery was substantial, at $5,000, or 83%.

On the satisfaction side, more than three-fourths of consumers (79%) said that now that they’ve remodeled, they want to be at home more. Almost half said the most important result for them was greater functionality and livability. And the joy score? Another perfect 10.

Closets are using something like a Legos approach when remodeled, according to the pros. “You take the basic building blocks — like drawers, hangers, hampers, shelves — but you use them differently and add to them,” says David Cutler, president of The Closet Works in Montgomeryville, Pa. “People want storage for their particular needs. If you have 100 pairs of shoes, you need creative ways to deal with shoe storage: shoeboxes, slanted shoe shelves, straight shoe shelves, shoe cubbies.”

#4 Add or Upgrade Laundry Area

Laundry wrangling is more of a chore if you don’t have enough work space or you’re missing certain features, like a countertop or a sink. Consumers in the survey said they focused on laundry room improvements to add features and improve livability or because they had just moved into their home and wanted to customize it. Sixty percent said the most important result was better functionality and livability, so they met their goal. The overall joy score was 9.5.

Laundry room remodeling costs $4,000 to $12,000, according to FixR. Why the broad range? Laundry rooms can be located in different parts of the home and vary in size and shape. Most people pay around $7,000 for a 35-square-foot laundry room that includes mid-range upper and lower cabinets, a laminate countertop, and front-loading appliances, FixR says.

Of course, you can upgrade an existing laundry room or space by adding à la carte features. Popular add-ons include stock or custom cabinets, a sink, countertops for work space, good lighting, and durable flooring. Some of the fancier options include units for hanging wet items like T-shirts so they can drip into the sink and racks that pull out of drawers for drying fine woolens, Cutler says.

Don’t forget about small DIY improvements — like painting walls or cabinets and adding lighting. They’ll help you customize the space so you might almost enjoy doing laundry.

#5 Paint One Interior Room

Painting an interior room is one of the most DIY-friendly small home improvement projects. There’s nothing like it to freshen a room or fix a quirk or two. More than half of the consumers in the survey chose it because they wanted a change. And more than a quarter wanted to upgrade worn-out surfaces, finishes, and materials. Most of us fit into one or both of those groups, right? Beauty and aesthetics were the most important results consumers mentioned. And the joy score? 10.

Hiring a professional to paint a room costs $990 to $1,320, according to FixR. The variation stems from the type of room and its square footage, plus the type of finish.

With practice and a little advice, even a novice DIYer can get great results. If you’re stuck on what colors to pick, there’s more advice out there than you can shake a paintbrush at. Most major paint manufacturers have released a color or palette of the year for 2023. If you want to follow your own preferences but would like a little guidance, you can get tips about how to choose complementary colors you’ll like over the long term.

The NAR remodeling survey also includes info for the big projects, like bathroom and kitchen renos, and basement and attic conversions to living areas. But depending on your priorities and budget, a smaller upgrade may make you happy and bring a healthy return.

Home Ownership February 14, 2023

You Only Think It’s True: 10 Myths Costing You Time and Money

You Only Think It’s True: 10 Myths Costing You Time and Money

By: Leanne Potts

Save your cash for more important things, like, you know, your mortgage.

You can’t swing a tool belt without hitting a website or TV network offering tips on taking care of your digs. Save money by watering your lawn at night! No, water it in the morning! No, dig it up and replace it with a drought-hardy meadow!

Throw in the info you pick up from well-meaning friends, and there’s a sea of home care truisms out there, some of which can sink your budget.

Myth 1: Stone Countertops Are Indestructible

Fact: Even rock can be damaged.

Marble, quartz, travertine, soapstone, and limestone can all be stained. Regular household cleaners can dull their surfaces over time. And marble is maddeningly fragile — it’s the prima donna of stone.

Marble is easy to scratch. It’s easy to stain. Here’s the worst part: Mildly acidic substances like soda, coffee, lemon juice, even hard water will eat into marble, creating a cloudy, dull spot in a process known as etching.

“Spill a glass of wine on a marble counter and go to bed without cleaning it. The next morning you’ll have a problem,” says Louwrens Mulder, owner of Superior Stone in Knoxville, Tenn.

And while stone counters won’t crack under a hot pot, such direct heat can discolor quartz or marble, says Mulder. So be nice to your counters, no matter what they’re made of. And note that the best rock for your buck is granite. “It doesn’t stain or scratch. It’s tough because it’s volcanic rock,” Mulder says. Which means it can stand up to all the merlot and barbecue sauce you can spill on it.

Myth 2: Your Smoke Detector’s Test Button Is Foolproof

Fact: The test button doesn’t tell you what you really need to know.

Yes, check your smoke detector twice a year. But all that test button will tell you is whether the alarm sound is working, not if the sensor that detects smoke is working. Pretty key difference there.

The best way to check your device is with real smoke. Light a long, wooden kitchen match; blow it out; and hold it near the unit. If the smoke sets off the alarm, it’s working. Replace the batteries if the smoke doesn’t set off the alarm. If the smoke detector still doesn’t work after that, you need a new one. And replace those batteries once a year anyway, because dead batteries are the No. 1 reason smoke detectors fail.

Myth 3: Gutter Guards Are Maintenance-Free

Fact: You gotta clean gutter guards, too.

Gutter guards keep out leaves, but small debris like seeds, pine straw, and flower buds will still get through.

Gutter guards can lessen your work, though — sometimes a lot. Instead of shoveling out wheelbarrow loads of leaves and other crap twice a year, you might just need to clean them every two years. But if there are lots of trees in your yard, once a year might be necessary.

Myth 4: A Lemon Is a Great Way to Clean a Disposal

Fact: While wanting to use natural cleaners is admirable, most of them will damage your disposal and pipes over time.

The lemon’s acidic juice will corrode the metal parts of your disposal. The mixture of salt and ice contains metal-eating acid, too. The coffee grounds are abrasive enough to clean the gunk off the blades and make it smell like a cup of Americano, but they’ll accumulate in pipes and clog them.

The best natural cleaner for your disposal is good old baking soda. It’s mildly abrasive, so it will clean the blades. But it’s a base, not an acid, and won’t damage the metal. Best of all, a box with enough baking soda big enough to clean your disposal twice costs about a buck.

Myth 5: Mowing Your Lawn Super Short Means You’ll Mow Less Often

Fact: You might not have to mow as often, but your lawn will look like awful.

Cut that grass under an inch high, and you’ll never have to mow again because your grass will die. Mowing a lawn down to the root — a screwup known as scalping — is like cutting all the leaves off a plant.

Grass blades make and store your lawn’s energy. Removing more than a third of the length of the blade will leave your grass too weak to withstand weeds and pests. It also exposes the roots to the sun, causing the lawn to dry out quickly. Leave one to three inches of grass above the roots to keep your lawn lush.

Myth 6: CFLs Cost Too Much and Are Dangerous

Fact: CFLs (compact fluorescent lights) have come down in price since they first hit the market and don’t contain enough mercury to cause any harm.

You can buy a package now for less than $3. And replacing one incandescent bulb with a CFL will save nearly $40 a year for the life of the bulb in replacement costs alone, says Save on Energy. The major benefits of an Energy Star-rated CFL include using about 75% less energy than a standard incandescent and lasting up to 10 times longer.

And CFLs are a safe option. Using CFLs (and other fluorescent bulbs) instead of incandescent bulbs lowers your exposure to mercury indirectly, because they use less electricity than incandescent bulbs. That means the coal-fired power plants that spew mercury into the air each year won’t have to run as long to keep our houses lit. Fewer toxins, lower power bills. What’s not to love?

Myth 7: A Trendy Kitchen Redo Will Increase My Home’s Value

Fact: Décor trends come and go as fast as viral videos.

Remember those Tuscan-style kitchens with mustard gold walls, ornate cabinets, and medieval-looking light fixtures that were the must-have of the late ’90s and early aughts?

Today, they’re as dated as flip phones. Instead of remodeling in the latest look, which costs an average $45,000, according the the National Association of REALTORS® “Remodeling Impact Report,” try repainting in on-trend colors, which costs $600 to $1,320, according to FixR. If you do opt for a full remodel, choose elements like Shaker cabinets, wood floors, and subway tile, a timeless style you’ll love 10 years from now.

Myth 8: A Contractor Recommendation from a Friend Is Good Enough

Fact: Good contractors have more than just your buddy to vouch for them.

Your neighbor’s rec is a good start, but talk to a couple of sources before you hire anyone. Check the contractor’s reviews on Angie’s List or other online rating sites.

Ask a local building inspector which contractors meet code on the properties they inspect. Ask the contractor for the names of past clients you can talk to, how many other projects they have going, how long they’ve worked with their subcontractors, and if they routinely do projects the size of yours.

Look at this as a job interview where the contractor is an applicant and you’re the hiring manager. Make them show you they’re the one for the work.

Myth 9: Turning Off Your AC When You Leave Saves Energy

Fact: Turning off the air conditioner when you leave could actually cost you money.

That’s because when you turn it back on, all your savings will be lost as the unit works overtime to cool your hot house. A better way to save on utilities is to turn the thermostat up or down (depending on the season) 5 to 10 degrees when you leave, says home improvement expert Danny Lipford of TodaysHomeowner.com.

And the best option? “Install a programmable thermostat,” he says. Even better, buy one you can control remotely with your smartphone and adjust the temperature before you get home. Because thermostats you have to touch are so 1998.

Myth 10: Permits? We Don’t Need No Stinkin’ Permits

Fact: You do.

Let’s say your neighbor’s brother-in-law, Cecil, is an electrician. Cecil can rewire your kitchen in a weekend because he won’t inconvenience you with a permit. Should you hire Cecil? No. Building codes protect you. From Cecil. Getting a permit means an inspector will check his work to make sure he didn’t screw up.

Plus, if your house burns down in an electrical fire and your insurance company finds out the work was done without a permit, it won’t cover your loss. Check with your local planning or building department to find out if your project needs a permit. If it does, get one.

Home Ownership February 7, 2023

The Best Time of Year to Buy Things for Your Home

The Best Time of Year to Buy Things for Your Home

By: Amy Howell Hirt

When to look for sales on mattresses, appliances, tools, furnishings, and materials.

Buying stuff can be stressful. Cheap out and you could regret it. Overspend and you’ll cut into your budget. Knowing the best time of year to buy appliances and other household items can lessen the anxiety.

Here’s a list of the best time of year for sales — or download the one-page calendar here.

Furniture: January and July

You could save 30% to 60% buying furniture in January and July, as stores try to clear out inventory and make way for new pieces, which manufacturers introduce in February and August.

Floor samples especially often sell for a song, so don’t hesitate to ask.

Storage Essentials: January and August

In August, retailers slash prices and offer free shipping on shelving, organizing systems, baskets, and storage bins, baiting parents who are packing kids off to college or getting organized for a new school year. (No offspring? No problem. Proof of parenthood isn’t required to qualify for deals.)

It happens again in January, when stores roll out more sales — and selection — to help you find a home for all those holiday gifts and meet your organizing goals for the New Year.

Linens and Towels: January

Department store “white sales” — launched in 1878 — are still a favorite marketing tactic and make January the best time to binge on high-quality bedding and towels. If the exact color or style you’re seeking is out of stock, ask in-store for a rain check, so you can get exactly what you want at the price that can’t be beat.

Major Appliances: January, September, October, and the Holidays

The prices on this year’s appliances bottom out when they suddenly become last year’s models. Except for refrigerators (more on that below), you can pick up last year’s models for way less in September, October, and January, when stores are making room for new inventory.

For good deals on this year’s models, wait for Black Friday and the holidays. The season rivals inventory clear-out bargains as the best time of year for sales on appliances. And if you’ve got more than one appliance on the fritz, holidays are often the time to find incentives for buying multiple items.

Mattresses: February and May

Even the most obscure holiday seems to inspire mattress sale commercials. Annoying, yes, but also a reminder that you should never pay full price for a mattress. The best time of year for sales is February (courtesy of Presidents’ Day) and May (Memorial Day).

Many department stores offer coupons for additional savings on the sale price, while specialty chains — which have the biggest markups — can drop prices 50% or more. But don’t waste your time price shopping: Manufacturers have exclusive deals with retailers for each model, so the only way to find a lower price is to snuggle up to a different mattress.

Refrigerators: May

Unlike other big-ticket appliances, new fridges are released in May. Combine the need for retail turnover with Memorial Day sales, and you get epic savings nearly all month long, making it the best time of year to buy a new refrigerator.

Snow Blowers: March and April

The best time to pick up a low-cost snow blower is exactly when you DON’T need it: in March and April. That time of year, no store wants them taking precious floor space away from spring merch like patio furniture and grills.

Vacuums: April and May

New vacuums debut in June, so last year’s models go on sale in April and May — just in time for spring cleaning.

Roofing: May

For the lowest price on materials, buy in May.

But if you’re paying a pro to install a new roof, contractor rates begin their climb April 1 and stay high through fall. So if weather allows for wintertime installation, you could save big.

Gas Grills: July and August

Come July 5, there’s still smoke in the air from Fourth of July fireworks, but stores are already moving on to Halloween, with Christmas not far behind. So, they’ll cook up juicy savings on grills and other summer staples in July and August. Sales peak by Labor Day, so you could pick up a new grill and still have time to host one final summer hurrah.

Lawn Mowers: August, September, and May

August and September are the perfect time to retire an ailing mower. You’ll find the lowest prices of the year (but also the slimmest selection) as stores replace mowers with snow blowers. Retailers also kick off the season with sales every April. You generally won’t save quite as much, but you’ll have more choices.

Perennials: September

Unlike nonperishable goods, there’s not much retailers can do with last season’s perennials, so September brings savings of 30% to 50% and two-for-one offers on plants like hostas, daylilies, and peonies. And note that independent gardening stores can typically offer deeper discounts than big chains.

Cooler weather also makes this a great time of year to plant. How’s that for a win-win? If you prefer planting in the spring, many nurseries offer 10% to 20% off when you pre-order in February or March.

Power Tools: June and December

Power tools are a favorite go-to gift for Father’s Day and the holidays, so June and December are the best time to buy tools like cordless drills.

Paint: January, May, July, November, and December

Prices for interior and exterior paint bottom out when the mercury (and demand) falls — in November, December, and January, but also when it rises back up, in May and July.

HVAC Equipment: March, April, October, and November

Just like with snow blowers, the best time to buy furnaces and whole-house air-conditioning systems is when you don’t need them. Prices are lowest during months with moderate temperatures — generally March and April, then October and November.

Many installers also run promotions during these slow seasons to help load their books. They also may be more willing to negotiate a lower price or throw in a free upgrade like a fancy thermostat.

Flooring: December and January

From mid-December into January, homeowners tend to take a break from major remodeling projects because of the holidays. Flooring retailers and installers are looking for business, so that gorgeous wide-plank flooring or luscious carpet can be yours for an even more scrumptious price. Happy holidays to you.