Final Steps: Before You Move

Regardless of the amount of time you've lived in your home, it's likely you've had memories and experiences you'll want to remember, so for a lot of people, moving from your current house is like saying goodbye to an old friend.

1. Defrost your refrigerator and freezer.

2. Gather all your important documents, keys, maps, etc., and place in a prominent area for the move.

3. Pack up a box of items you'll need immediately when you get to your new place - like your coffee maker, coffee, tea, cups, dish towels, cleaning supplies, paper towels, toilet paper, and cleaning sponges.

4. Begin disassembling the last pieces of furniture, including the beds.

5. Call your bank, utility companies and switch service addresses, update or change telephone numbers, and schedule installation of cable or satellite service.

6. Pack up your computer and all peripherals.

Arrange for pet sitting on the day or days of your move to ensure the safety and security of your furry friends. If you are moving to another city or state, make sure you have leashes, cage, water, and food dishes ready to go.

Easy & Affordable Home Improvement
It is fairly simple to change the atmosphere of your new home with the addition of accessories, from shelving to mirrors to lighting. Here are some suggestions to get you started:
  • Simple is best in most cases. Add a shelf along one wall to display a few favorite photos, plants, decorative soaps or towels.
  • Use an old low dresser or vanity for a sink base for extra storage. Refinish with paint washes or natural stains and then seal with a waterproof clear coat to protect the finish from moisture.
  • Use your eclectic collection of antique jars, bowls or mugs to store/display collectibles, potpourri and small live plants.
  • Be creative by adding non-traditional pieces, like a wicker table or chair, if space allows. 
  • Try adding low light fixtures or "can" lights to give your rooms warmth. 
  • Consider decorative tiles, stenciling or textured plaster for your ceiling.
  • Place mirrors strategically around the room to create a feeling of openness.
  • Keep your eyes open at thrift and second hand stores for vases, watering cans, or window boxes for plants and flowers. Add a fabric or patterned covering to closet doors.
  • For shelves, consider a faux door from outdoor lattice panels. 
  • Give that front door a new coat of paint, door knob or knocker.
  • Add a fresh coat of paint to all your rooms. This is one of the most affordable and easy ways to change the look and feel of your new home. 
  • Add light and airy window treatments with an open weave such as chiffon or organza.
  • Revitalize cabinets with a fresh coat of paint or stain, or remove the doors and hardware for a truly European-style kitchen.
  • Replace old lighting fixtures and ceiling fans. Sometimes just replacing the glass for the lights, or blades for ceiling fans gives rooms a whole new look without spending a lot.
  • Moving is a great time to de-clutter - as you pack up, set aside items you haven't used, or even forgot you had, and then box up and donate it to the local Goodwill or Salvation Army.
Remember to be eco-friendly by reusing items such as old furniture, frames, and artwork. You can make your own contribution to saving our planet - while saving money. With a little imagination and a bit of time, your old things will look fresh and new again.

Solar Energy – Costs and Benefits

Incorporating solar energy into your home will not only save you on your energy bill, you'll also reduce smog and CO² emissions by harnessing the sun into renewable energy.

Homeowners today are facing a steady rise in energy costs and the reality of global climate change. Transitioning power sources from fossil fuels to renewable alternatives like wind and solar simply make the most sense in the long run. Solar power in most parts of the country can be effectively incorporated in several ways, however, there are initial costs to purchase and install. The savings for these changes will vary but most of the suggestions below will pay for themselves in a very short period of time and some require little initial investment, but make a large impact on energy use and savings.

Install a Solar Water Heater - To upgrade from an existing water heater into a solar water heater, costs range from $4,000 to $6,000. Typically you'll spend less if you're building a new home. However, your water heating bills should drop 50%-80% after installation. That means you'll regain your investment in savings more quickly than other solar systems.

Consider Skylights and Solar Tubes - Installing skylights for some may be cost prohibitive, but solar tubes are less expensive, provide natural light without electricity, and take up no more space than a normal light fixture.

Solar Battery Chargers - These devices are cleverly incorporated into messenger bags, backpacks, and roll-outs, and provide renewing power for your cell phone, laptop, GPS, or portable music device.

Solar Lights - These are perhaps the most affordable and common solar products on the market. Garden and pathway lights come in a variety of styles for accents and safety around the home.

Solar Screens or Curtains - A very affordable way to regulate when and where you let the sun in. During the winter you can let the southern sun shine in to help keep your house warm. However, if windows aren't properly insulated, the cold breezes will offset the warmth. In the summer, lower the shades to lighten your air conditioner's burden, especially during the hottest part of the day. 

First Time Home Buyers: What You Need to Know

Home ownership is often referred to as the "American Dream", and our rate of home ownership is the highest in the world: two out of three families own their own home. Buying a home is also the biggest financial investment most people make in their lifetime, so it makes sense to learn "and earn" as much as possible.

The basic benefits can be summarized as providing your need for shelter, profit potential, tax advantages and pride of ownership. It is commonly said that even when you rent, you pay a mortgage - your landlord's mortgage! So if you need shelter and can afford to buy a home, it makes economic sense to pay for your own mortgage instead of the landlord's. The tax advantages include being able to deduct the mortgage interest and property taxes from your income. Uncle Sam is very generous to homeowners.

Benefits of Homeownership
Owning a home is considered a sign of success, and it provides great emotional rewards for many homeowners. It also provides an opportunity to improve an investment by upgrading the home and landscaping. And, unlike other investments that are based on the money invested, home ownership lets you obtain a return on the money you invested as well as money you borrowed. 'Leverage' is what attracts investors to real estate and rewards homeowners for living in and improving their homes. Real estate values generally rise over time and lenders view real estate as low risk and marketable because it is a tangible asset.
 
And the tax advantages grew significantly with passage of the Taxpayer's Relief Act of 1997. The new law exempts capital gains tax on profit from a home sale of $250,000 for a single owner and $500,000 for a couple. The old rule required homeowners to wait until they were 55 to take advantage of tax breaks and they were restricted to a one-time exclusion. The new rule applies to each two-year period from the date of purchase.

Wants & Needs
Once home buyers decide on the number of bed and bath rooms and settle on a price range based on their financial ability or their 'comfort zone' of payments, there are still a number of issues to ponder. What style of home is appealing? What kind of yard makes sense? How old should the home be and in what kind of condition? Is new construction the answer to your dream home ideas or do you love antique homes? What about a condominium? Take some time to realistically set criteria based on your present and future needs. Then make a list of the amenities or extras and identify if they are truly necessities. If not, keep a 'wish list' for the future.

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Home Remodeling Safety Tips

Being your own home improvement specialist can bring a measurable feeling of pride and success. However, if you are not prepared for each job with the correct tools, it could also mean a trip to the emergency room! In this edition of Home Improvements: From the Inside Out - we will go over some common sense rules and suggestions for choosing and using the right tools for the jobs you are planning.

Use the right tool for the job. It may be tempting to use the end of your screwdriver to tap in a nail, or to pry something apart. Not a good idea. You may not only damage the tool, but it could slip or break at the wrong time and damage you too. When planning your project, do some research for the tools you will need. Internet sites or books devoted to do-it-yourself projects will offer a list of supplies and tools needed to complete these tasks efficiently and safely.

While shopping for the right tools, plan on purchasing safety equipment like goggles, gloves, guards, and dust masks. Goggles should be worn during most of your tasks to make sure that dust or chips from sawing or drilling are deflected away from your eyes. You will need gloves to protect your hands from sharp edges, splinters, and rough surfaces, as well as from paint and harsh chemicals. Again, look for quality at reasonable prices.



How to Repair Drywall
Patching holes in drywall is a simple process, so save yourself from hiring someone to do it for you. You don't even have to buy an expensive drywall kit from a home improvement store. All you'll need is:
  • one tub of joint compound
  • a plastic or metal spackle knife
  • light grade sandpaper
1. Using your putty knife, gently go over the hole that needs to be patched. This will smooth out the surface, cleaning up the area so it's ready for spackling.

2. Next, scoop out some joint compound with your putty knife and spread it over the hole. Don't worry about any excess compound that remains... you'll deal with it later.

3. Let the compound dry for 24 hours.

4. Using either sandpaper or a sanding block, sand the area until smooth.

5. Lastly, paint over the now smooth repaired drywall, to match the rest of the wall.



Mortgage Calculator- How Much Home Can You Afford?

The first step in shopping for a home should be determining how much home you can afford.  The general rule is that the payments on your new home shouldn't account for more than 30 percent of your overall income.

Your income, credit rating, current monthly expenses, down payment, and the interest rate will determine the final total that you will be able to afford. If needed, find a housing counselor who can help you figure out how to manage and pay down or pay off existing debt, and give you a solid foundation of information for your plan.

The amount you pay for a home is based on several factors. You are the best judge of what you can comfortably pay every month. Take some time to calculate all your expenses - to include what you spend daily on lunches, coffee, transportation, and other costs that otherwise go unnoticed. Then add in local property taxes and anticipated maintenance of your home, or other improvements/additions that may be necessary in the near future.
 
Lending institutions use the following criteria to calculate what size loan you are qualified for. The three main things they look at are: 1) Your monthly payments as a percentage to your income; 2) How much cash you have for the down payment and closing costs; and 3) Your credit rating.

JBA Network • 311 Montford Ave • Asheville • NC • 28801

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