Plano Area Home Tips and Information

7 'Freaky' Home Threats: Are You Covered?

2012-01-05T09:26:00.000-06:00

Plano Home Tips : 7 'Freaky' Home Threats: Are You Covered?

If you're like most homeowners, you probably don't think about your property insurance very often. It's common to enjoy the security of knowing your insurance company has you covered. Or does it?

Sure, your basic homeowners' policy will cover you for the run-of-the-mill stuff like fires (the accidental variety, at least). But what if you have the misfortune of suffering a more unusual type of calamity?

In that case, it's important to know whether you have an "open perils" or "named perils" policy. Most homeowners' policies cover your dwelling on an "open perils" basis, sometimes conversely referred to as "named exclusions." With this type of policy, anything not specifically excluded by your policy is covered. A named perils policy is just the opposite: Everything's excluded except what is specifically listed as covered.

Even within those categories, policies can vary widely depending on your location and the type of coverage you have. So you need to study your policy carefully. Here's a look at some of the more unusual things that could happen to your home, and how your insurance company might react. We'll get some help from Bill Wilson, associate vice president of Education & Research for the Independent Insurance Agents & Brokers of America.

Flood

This may not be considered very "freaky" because it is fairly common. But it's perhaps the most common calamity not covered by a standard policy -- which many homeowners discover the hard way. "Homeowners' policies rarely, if ever, cover flood," says Wilson. "This means surface waters that accumulate from heavy rains; lakes or streams that overflow their banks; wave or wind-driven water and surges common in coastal areas; underground water and springs; sewer and drain backups, and almost any other kind of flooding that doesn't originate from your home's plumbing system. Flood insurance can be purchased from most insurance agents but it is underwritten by the federal government and provided in policies separate from your homeowners insurance." For more information, visit the National Flood Insurance Program Web site at www.FloodSmart.gov.

Mine subsidence

Recently, residents of the Pennsylvania village of Drifton got a shock when the ground opened up and swallowed parts of two homes. The village sits atop old abandoned coal mines, so this wasn't as shocking as it sounds (in fact, the same thing had happened on the same block 30 years earlier). Mine subsidence isn't covered by regular insurance -- insurance for this must be obtained through a special program run by the state, at an average cost of around $250 per year. In the Drifton example, one affected property had this insurance; their neighbor did not.

Volcanoes

Surprisingly, many homeowner policies actually do cover damage from volcanic eruptions. (Likewise, if you have comprehensive auto coverage and your car gets damaged from a volcanic eruption, you may be covered.) This coverage is usually limited, however, to damage caused by the material which comes out of the volcano, such as lava and ash. Damage caused by volcanic ground tremors usually isn't covered, unless you have an earthquake policy. In Hawaii, there's a state volcano insurance program that covers homeowners who live in the highest-risk areas.

Meteors, comets and space debris

If the thought of your home being leveled by a meteor or wayward space station keeps you awake at night, you'll be relieved (and maybe a bit surprised) to learn you'll probably be covered. Wilson says it's rare for policies to specifically exclude this type of damage; it's generally covered under the "falling objects" heading.

Stampeding animals

"Most homeowners policies cover damage to the dwelling caused by animals you don't own or keep," Wilson says. Keep in mind that some policies distinguish between "domestic" animals and wild animals. So while you're OK if a herd of stampeding wildebeests charges your bi-level, you might have a problem if, say, an abnormally aggressive pack of kittens somehow destroys your home. While we're on the subject of animals, keep in mind that owning certain types of pets might make it tougher for you to get coverage in the first place. "Increasingly, insurance companies are shying away from insuring households with dogs, or at least certain breeds of dogs because of the liability exposure," Wilson says.

Landslides

"Most homeowners policies, even if endorsed with earthquake coverage, won't cover landslides." says Wilson. "If you have that exposure, it is most commonly provided by a special 'DIC' policy known as 'differences in conditions' coverage."

Sinkhole collapse

This may or may not be covered, depending upon whether your insurance company lumps it in with the general category of "earth movement," so check with your agent about this risk.

A few more ...

Wilson provides a few more interesting examples of claims which have been covered by open perils policies:

Windstorm damage to watercraft not inside fully enclosed building (this is a common source of claims involving boats at marinas).
Waterbed bursts.
Aquarium breaks.
Skunk discharges inside the home.
Murder in house, significant damage from bodily fluids.
Bobbi Dempsey is a freelance writer based in Pennsylvania.

This Month in Real Estate

2011-12-13T10:42:00.002-06:00

Plano Home Tips : This Month in Real Estate

Here is another great video from the This Month in Real Estate series

What to look for in your home inspection

2011-12-06T13:19:00.000-06:00

Plano Home Tips : What to look for in your home inspection

So you have gone under contract on a new home and your inspection is coming up. What do you need to know before you meet the inspector?? We have put together a great checklist of what you should be looking for and asking about on your inspection.

BASIC INFORMATION

check the existing condition of all systems and equipment
look for unusual features that may increase or decrease appeal of the home
examine the general quality and condition of the structure
inspect routine repair and maintenance items
bring a powerful flashlight to use in basements and crawl spaces
bring a stepladder to check attic, underside of the roof, and light fixtures

DOORS, STAIRS, AND WALKWAYS

make sure that all doorways, stairs, and walkways are free of obstructions
all stepping stones should be firm
railings should be steady
check external doors for good weather-stripping and thresholds
make sure doors are level, easy to open and close, with good hardware

DRAINAGE

make sure that spouts drain away from house
yard should slope away from the house to draw water away
earth should be at least 6-8 inches below top of concrete foundation
make sure gutters are well-attached and in good condition
look for a wet basement or crawl space

FIREPLACE

check for crumbling mortar around brickwork
look at stability of chimney
check for obstructions
make sure flue is lined with terra cotta (brick is in violation of most codes)
check to see if there is a working damper in the fireplace

FLOORS

check for water damage, especially around plumbing fixtures
test for soft spots in floor
check under house for water-damaged floorboards and supports
check the condition of the floors or carpet
check for moisture damage to parquet floors

FOUNDATION

check for cracks, shifting or settling
see if house is bolted to foundation (earthquake safety)
make sure mudsill is in good condition and dry
check if foundation has been retrofitted
look for structural problems like cracks in the basement floor

HEATING AND COOLING

make sure furnace thermostat is operational
check the furnace venting
find out the ages of the heating and cooling equipment
ask about any problems the occupants may have had with the systems
run both the furnace and air conditioning to check output
check for attic insulation -- walls probably will be insulated too

IMPROVEMENTS

find out if the owners have remodeled or made improvements to the house
inquire about the competence of the company who provided the service
check the licensure and credentials of the builder, owner, or technician

MISCELLANEOUS

check that kitchen appliances and faucet are operational
check for asbestos, radon gas, and lead
check for cracking or peeling paint
check for attic ventilation (1 sq. ft. for each 150 sq. ft. of floor space)

PESTS

look for termite and beetle holes in wooden supports and under house
check attic vents for hornet or wasp nests
check for rodent droppings in cupboards and under house
look for chew holes in roof, eaves, and wiring from squirrels

PLUMBING

check for leaks around pipes and fixtures
test water pressure (turn on more than one faucet at once)
test hot water pressure (same method)
check walls around shower and for water damage
look for rust or leaking around hot water heater
make sure water heater is up to code
check the water pressure and see if there is enough hot water
find out the age of the water heater
ask whether the hot water system has been updated in any way

ROOF

check for leaks or conditions that might lead to leaks
make sure no trees touching or overhanging the roof
look for dry rot or other problems around overhangs
check condition of shingles
find out the age of the existing roof

SWIMMING POOL

make sure cleaning and filtering system works properly
test thermostat
check for leaks or cracks

WALLS AND CEILINGS

check the condition of drywall walls and ceilings
pay particular attention to the condition of taped joints
look for waves or cracks in the walls or ceilings
look for water spots from leaks in the roof
look for settlement cracks in walls

WINDOWS

check for dry rot on panes, sills and frames
check for cracks in glass
make sure windows open properly
check that windows seal tightly and check caulking
check for moisture damage inside
see if bedroom windows are large enough to escape through in case of fire
open the windows to ensure that they are not painted shut
check casement window to see if the hardware is working properly
see whether double-hung windows have broken sash cords

WIRING SYSTEM

test outlets, light sockets and switches to ensure they work properly
check to see if system is updated -- 3-prong outlets, circuit breakers, etc.
look for GFI (Ground Fault Interrupt) outlets in bathroom and kitchen
look for broken or loose outlets
test light fixtures
check blown fuses, overloaded circuits, broken outlets, or flickering lights

Tips for driving on ice

2011-12-05T14:13:00.000-06:00

Plano Home Tips : How to drive on ice

There is no better advice to give about driving on ice than this; DO NOT DRIVE ON ICE!!!! However; sometimes a situation will arise in which you absolutely must venture out onto icy roads. If that is the case being prepared and following some simple safety guidelines will hopefully ensure you arrive at your destination in one piece. I found these great safety tips on Weather.com

Driving safely on icy roads

Decrease your speed and leave yourself plenty of room to stop. You should allow at least three times more space than usual between you and the car in front of you.
Brake gently to avoid skidding. If your wheels start to lock up, ease off the brake.
Turn on your lights to increase your visibility to other motorists.
Keep your lights and windshield clean.
Use low gears to keep traction, especially on hills.
Don't use cruise control or overdrive on icy roads.
Be especially careful on bridges, overpasses and infrequently traveled roads, which will freeze first. Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.
Don't pass snow plows and sanding trucks. The drivers have limited visibility, and you're likely to find the road in front of them worse than the road behind.
Don't assume your vehicle can handle all conditions. Even four-wheel and front-wheel drive vehicles can encounter trouble on winter roads.
If your rear wheels skid...

Take your foot off the accelerator.
Steer in the direction you want the front wheels to go. If your rear wheels are sliding left, steer left. If they're sliding right, steer right.
If your rear wheels start sliding the other way as you recover, ease the steering wheel toward that side. You might have to steer left and right a few times to get your vehicle completely under control.
If you have standard brakes, pump them gently.
If you have anti-lock brakes (ABS), do not pump the brakes. Apply steady pressure to the brakes. You will feel the brakes pulse — this is normal.
If your front wheels skid...

Take your foot off the gas and shift to neutral, but don't try to steer immediately.
As the wheels skid sideways, they will slow the vehicle and traction will return. As it does, steer in the direction you want to go. Then put the transmission in "drive" or release the clutch, and accelerate gently.
If you get stuck...

Do not spin your wheels. This will only dig you in deeper.
Turn your wheels from side to side a few times to push snow out of the way.
Use a light touch on the gas, to ease your car out.
Use a shovel to clear snow away from the wheels and the underside of the car.
Pour sand, kitty litter, gravel or salt in the path of the wheels, to help get traction.
Try rocking the vehicle. (Check your owner's manual first — it can damage the transmission on some vehicles.) Shift from forward to reverse, and back again. Each time you're in gear, give a light touch on the gas until the vehicle gets going.
More Tips
Sources: National Safety Council, New York State Department of Motor Vehicles, Washington State Government Information & Services

Traveling this holiday season?? Here are some great tips to keep you moving along safely

2011-12-02T10:31:00.000-06:00

The holidays can be a season of joy and gratitude for many of us. However, if you have ever beeen stranded on the side of the road because your car broke down on the way to grandma's, the holidays can be anything but joyful. The good men and women of the University of Oklahoma Police Department have done a great service by putting together this comprehensive list of travel safety tips for over the holidays. Hopefully by following these tips and using a little common sense everyone will arrive safe and sound through the rivers and woods and make it to grandmas safe and sound! Happy Holidays!!!!!

To see the entire article from the University of Oklahoma Police CLICK HERE

When you travel, plan ahead!
If traveling by vehicle, know where you are going and how to get there and back. Obtain a map or download the latest available GPS data.Check for construction detours; for longer trips, get a weather forecast.

If traveling out-of-state, most states and/or state law enforcement agencies provide road-and-highway information either on-line or at a 1-800 number; check to see what conditions they report before leaving. Visit the Federal Highway Administration's related webpage...

"National Traffic and Road Closure Information"
http://www.fhwa.dot.gov/trafficinfo/index.htm

...for national, regional, and state-by-state links regarding traffic, closures, and other conditions.

Inform a family member where you will be and when to expect you back; give them your route if they don't know it.

Travel and conduct your business during daylight hours if possible.

To the extent practical, select well-traveled and lighted thoroughfares. Bear in mind that routes which are congested during rush hour may be very lightly traveled at other hours. Use freeways and arterial streets and avoid less-traveled roads as much as possible, especially when driving at night or in unfamiliar locations.

If you have access to a cellular telephone, carry or take it (but don't use it while driving; this is now unlawful in many states).

If possible, know the emergency cell codes for the area you're in. For example, in Oklahoma, remember that
*55 = OHP
(Oklahoma Highway Patrol)

Click here for a state-by-state listing of
highway-related cellphone codes.

When driving, keep doors locked and windows rolled up at all times. Maintain at least half a tank of fuel, and keep vehicle in good repair.

If planning a "road trip" over the holidays, have your vehicle serviced and checked out sufficiently far ahead to allow for repairs if needed. Don’t forget to have the mechanic check your spare tire and all fluid levels along with the other preventive maintenance procedures.

Consider keeping spare fuses and a "breakdown kit" in your vehicle at all times. Breakdown kits may be purchased from a variety of sources, or you can assemble your own at any auto parts or hardware store using a commercial version as a guideline.

Minimally, a "breakdown kit" should include:
a thermal blanket/bag and a gallon of water
a "HELP" sign/flag and flares/reflectors
a flashlight (check batteries semi-annually)
duct tape

Also consider carrying:
a set of jumper cables, a tire gauge, and work gloves
a few hand tools (pliers, screwdrivers, Allen wrenches)
some rope and at least one bungee cord
towels and a roll of toilet paper (in a plastic bag)
a small 12-volt tire-inflator
an empty (new, never used) one-gallon gas can
change for a payphone and a pair of comfortable shoes
a cheap/disposable rain coat/suit/poncho

All these items can fit in a small or medium size gym/duffle bag or a box and kept in your vehicle's trunk, back-seat floorboard, or other storage area in the vehicle. Keep it updated, but never remove it from your vehicle.

In addition to your basic "breakdown kit" you should also have a basic first aid kit in your vehicle at all times.

Also consider purchasing and mounting a small ABC-rated portable fire extinguisher in your vehicle. Buy one with a "mount" designed for use in vehicles. Portable fire extinguishers should be securely "mounted" in the vehicle to prevent rolling and damage. The extinguisher should be visible and easy to reach. Mount the bracket on a strong, stable surface. It can be mounted in any sloping, vertical or horizontal position.

Know how to access your spare tire and jack. Vehicle owners should also consider obtaining towing insurance, either as a rider on their automobile insurance policy (such riders are usually very inexpensive for excellent coverage) or by joining an automobile club or other provider. Be prepared!

Follow the timeless, savvy advice of OUPD Sergeant M. Wayne Smith (Ret), "It doesn't cost any more to keep the top quarter of your tank filled than it does to keep the bottom quarter filled." Even if you're pressed for time, take the few minutes needed to fill up the tank. Making a habit of checking your fuel gauge whenever you start driving, and routinely "topping off" your tank, can prevent unexpected, untimely and dangerous roadside emergency situations.

The single-most essential safety tip:
Devote your full time and attention to driving!

Resist distraction. If you feel yourself getting tired, pull over and take a break (at a safe location where there are other people and light).

Develop the habit of scanning for situational awareness. Use your mirrors frequently to check behind and to your sides. Look ahead, as far down the road as possible, to anticipate slow-downs, stops, snarls, crashes, emergencies, or other events which will affect traffic flow. Avoid the "tunnel vision" which often occurs during monotonous highway driving as you focus only immediately ahead or where your headlights reach.

If you experience a breakdown, pull as far onto the shoulder as possible and turn your emergency flashers on. If you have a cellular phone, summon assistance from a reputable source or call for law enforcement response. Otherwise, raise your hood or tie a streamer to your antenna, and await assistance inside your locked vehicle.

If a stranger stops, speak to them through a partially rolled-down window, and ask them to go to a phone and call police or a tow service; do not exit your vehicle until a law enforcement officer or tow operator are on scene. On longer trips, be sure you have water, food, and blankets in the vehicle.

Should you observe anyone pulled off the roadway and apparently stranded or in need of assistance, extend them the courtesy of reporting your observation to the police at your earliest opportunity.

NEVER pick up hitchhikers (your parents were right!)

If involved in a property-damage collision in an unfamiliar or potentially unsafe location, do not open or exit your vehicle. If you have a cellular telephone, summon law enforcement. If not, acknowledge the accident by hand signal, and motion the other driver to proceed with you to a safe location (where there are other people and light) to exchange information. If unable to proceed, honk the horn to attract attention and ask a passer-by to summon police.

Criminals sometimes deliberately cause minor car crashes in order to rob the occupants or steal the vehicle (so-called "bump-and-rob" or carjacking). If you are involved in a collision which seems suspicious, remain in your vehicle. Get as far off the roadway as possible, and turn on your emergency flashers. Do NOT get out to inspect for damage or to exchange information.

Summon a law enforcement officer or signal the other driver to follow you to a location where you can safely do so. If necessary, sound the horn to attract attention and await help while secure in your vehicle.

If the driver of another vehicle tries to force you off the road, do not stop. Slow to a safe speed, and proceed to a safe location. Try to obtain the license plate number and a description of the other vehicle and its driver and any occupants. Report the occurrence to the police at your earliest opportunity.

Keep your car in gear while stopped at traffic signals or signs. If approached in a threatening manner, honk the horn to attract attention and drive away (as you can do so safely).

Consider car-pooling or ride sharing only IF you have a dependable means of assuring that the other participants are legitimate and safe. Some jurisdictions maintain a central coordinating office for such services; check your telephone directory or on-line. Ride sharing for long trips is NOT recommended unless you are personally acquainted with the other party and fully trust them and have confidence in their driving ability and common sense. Remember; you life is literally in their hands while they’re behind the wheel.

Before your trip — Consider leaving a copy of your travel itinerary with a trusted family friend or relative (plus a driving route map or flight/bus/train trip info).

Also handy when you're "away" from home: You can download/print our "Lost/Stolen Wallet Inventory & Emergency Checklist" to record key information for a house-sitter, friend/neighbor, or relative.

If signaled to stop by any vehicle other than a clearly marked law enforcement unit, acknowledge the signal, and wave the driver to follow you to a safe location (where there are other people and light). Drive within the speed limit and take the shortest possible route to the nearest safe place. If you have a cellular phone, dial 9-1-1, tell the call-taker you are being followed by an unmarked vehicle attempting to stop you, and ask them to send a marked law enforcement vehicle to your location.

When parking...
roll up the windows, lock the vehicle, take the keys, and insure your valuables are concealed (preferably in the trunk). During hours of darkness, park and walk in lighted areas to the extent possible.

While carrying large amounts of cash should be avoided, you should have enough small bills and change to cover on-the-road purchases, including fuel should you run low while in an area where stations don’t accept the cards you carry. Enough for a half-tank fillup, taxi or bus fare, snacks and drinks or a phone call should be sufficient. Traveler’s checks are safer, but are not universally accepted. Keep your wallet, purse, and any other valuables on your person or otherwise out of sight, NOT on the seat next to you.

If you must leave valuable items in your car while out and about, place items out of sight before reaching your destination or move them inconspicuously. This includes packages, backpacks, gym bags, GPS units, MP3 players, and so forth. Someone may be watching when you put items under/behind a seat or throw something over them. An opportunistic thief is on the lookout for "trunk-packing", and can break into your car the minute you're out of sight.

One reason SUVs and pickups are common auto-burglary targets is because they don't have a "trunk" to hold valuables — the driver/passenger generally just "hides" their valuables "out of sight". The thieves know this, and do check glove compartments, behind seats, and under seats. It only takes a few seconds to check all the "usual" hiding places.

Unobtrusively locking everything valuable "in the trunk" (if you have one) may be difficult when you're combining errands at multiple destinations. Certainly avoid leaving packages or shopping bags visible in your car — lock them in the trunk out of sight if you have to leave packages in your car unattended.

Plan your shopping/errands so that you don't load your trunk until you are ready to drive to another destination. Load your trunk when you leave a location — never open a trunk, fill it full of valuables, close it, and then just walk away to do more shopping or other errands.

For more vehicle-related tips see our Auto-Burglary Prevention Tips webpage.

When returning to your vehicle, carry your keys in your hand and be ready to unlock the door and enter as quickly as possible. As you approach your vehicle, scan the area, glance underneath the vehicle, and take a quick look inside before entering.

While out and about, present an alert appearance.
Be aware of your surroundings; scan the area from time to time. Avoid concentrating so hard on shopping that you fail to keep track of your surroundings, others near you, or your personal property.
Wear conservative, comfortable clothing.
Grip carried items firmly and avoid leaving them unattended.
Carry minimal cash and valuables, wear minimal jewelry.

Shop with friends or relatives if possible; there IS safety in numbers. As you shop, be alert in crowded places. Among pickpockets' favorites are revolving doors, jammed aisles, elevators, and public transportation stops and vehicles, especially at rush hour. Carry the day's most expensive purchases closest to your body, and don't carry so much you lose the ability to react quickly.

If possible, leave your children with a baby-sitter while you are shopping. For holiday shopping, consider making arrangements with family or friends/neighbors, and take turns baby-sitting. If you take your children with you, keep a close eye on them while shopping.

Teach your children to go to a store clerk or security guard if they ever get separated from you in a store/mall, and be sure they know their first and last name so they can tell someone who they are. It's best to keep children under four (4) in a stroller. Children in shopping carts should be properly belted and seated in the child carrier area at all times —never let your child stand in or push a shopping cart.

Return to your vehicle periodically to check on it and reduce the amount you are carrying and must keep track of. Store packages in the trunk or, if your vehicle doesn't have one, out of plain view (on the floorboard, under a blanket or clothes, etc). When possible, have purchases delivered instead of taking them with you; many businesses offer free delivery during the holiday shopping season. Ask for an escort to your car if you feel nervous.

Return to the mall or store for assistance if you spot suspicious activity near your vehicle. Stay alert while loading items into or out of the vehicle or arranging cargo stowage. If someone approaches, and you feel threatened, get in and lock up until they leave the area; if they loiter, drive away.

Using debit or credit cards is much safer than carrying a lot of cash. If the vendors you will visit don't take cards, consider obtaining traveler's checks which, unlike cash, can be replaced if lost or stolen. Visit ATM's only at well-lighted and populated locations; visit during daylight hours if possible.

Using the drive-up is usually safer than walking up or into a banking facility. Remember to scan around you as you make your withdrawal. Many ATMs now have "fisheye" mirrors mounted above the keyboard to enable you to view the entire surrounding area while conducting business; try to patronize ATMs so-equipped, and use the mirror!

If anyone is loitering, or you don't like their looks, go to another ATM. Stand such that those behind you cannot see your PIN as you enter it; your PIN should NEVER be written down on or carried with your ATM card.

Be observant. Avoid dark areas, short-cuts, cul-de-sacs, and suspicious persons. Stay near light and people.

Be prepared to flee potential problems. If apprehensive about any location for any reason, leave. Consider carrying a whistle. Weapons are not recommended, and may be unlawful.

If followed —
On Foot:

Cross the street

Vary your pace

Change direction

By Vehicle

Execute several right turns to verify

Get and stay on arterial streets

Note and record:

license plate number

description of vehicle and occupant(s)

If followed by a vehicle while you are on foot, turn and walk the "wrong way" onto a One-Way Street, if possible. If follower persists, go to an occupied and lighted location (convenience store, fire station, police station) and summon police.

Confine your charitable giving to reputable established organizations, preferably those with a local branch.

If solicited by an individual for personal charity, don't give cash; offer to buy the individual food or drink or refer them to local assistance resources.

If solicited for an unfamiliar organized charity, ask for literature so you can make an informed decision about giving; any reputable organization will be glad to provide material or a website address where you can check them out.

To avoid telephone solicitation to the extent possible, sign up for the "National Do-Not Call List". If solicited by telephone despite being on the list, simply hang up — it's your phone. If you choose to speak to the solicitor, do not give out credit card numbers or personal information not listed in the telephone directory, and don't allow the organization to come to your home until you are certain of their reliability. Instead, ask them to send you information so you can make an informed decision and mail in your donation.

With the exception of local organizations, door-to-door sales are often fraudulent, and should be viewed with skepticism. If it sounds too good to be true, it usually is.

Under consumer protection laws, you have a right to written information about any offer, and the right to cancel any order within three days should you reconsider your decision.

Make sure you obtain enough information to enable you to re-contact the vendor or his/her office in the event you have questions or change your mind. If you don't want to be bothered by door-to-door solicitors, most locations have a law that solicitors must avoid homes which display a "NO SOLICITORS" sign; bear in mind this usually doesn't apply to religious proselytizing, charitable organizations or political workers.

For further information about consumer protection laws, contact your State Attorney General's Office. Also, visit our nationally acclaimed safety presentation on Identity Theft and Fraud which has a wealth of information on shopping safety, both online and off.

Promptly report suspicious persons, vehicles, and crimes to the local law enforcement agency.

Traveling by air?

—Visit the Transportation Security Administration's website and check out these pages...

"Air Travel — For Travelers..."
Prohibited Items
Airport/Date/Time-Specific Security Checkpoint Wait Times

Did you know? —

Locking Your Checked Baggage: In some cases screeners will have to open your baggage as part of the screening process.

If your bag is unlocked then Transportation Security Administration (TSA) screeners will simply open and screen the baggage.

However, if you decide to lock your checked baggage, and TSA cannot open your checked baggage through other means, then the locks may have to be broken.

TSA is not liable for damage caused to locked bags that must be opened for security purposes.

TSA suggests that you help prevent the need to break your locks by using a TSA recognized locking mechanism. These "special" locks can be opened by TSA using tools provided by the luggage industry.

For more information, see the TSA webpage, "TSA Recognized Baggage Locks".

And, from the
FAA's Air Traffic Control System Command Center,
Current Flight Delay Infromation
(This page/infomration automatically refreshes every 60 seconds)

And,
from the Department of Transportation's
"Aviation Consumer Protection Division"—
Travel Tips & Publications

Forewarned is forewarned: Know the SCAMS

There are many criminals that specifically target "travelers". Visit Wikitravel (http://wikitravel.org/en/Common_scams) for a listing of many common scams.

Also see the FTC's travel fraud webpage. (http://www.ftc.gov/opa/reporter/travel.shtm)

Holiday Lighting Guide

2011-11-29T09:54:00.000-06:00

Nothing says Christmas like driving down streets of homes all lit up in holiday lighting. As a kid we used to pile into Dad's suburban and cruise around checking out all the pretty displays people put up each year. It seems every year the deigns get more crazy and intricate. Thanks to the great folks at Home Depot I have a great guide for holiday lighting. We would love to see any pictures you have of some of the better holiday lights you see this winter; please post them in our comments section below.

Brighten your holidays with energy efficient Christmas lights

Nothing brings out the magic of the holidays like a dazzling display of Christmas lights. Whether you are trying to create a winter wonderland in your yard or you simply want to jazz up the interior of your home, the right lighting is essential for a festive home. With such a large selection of available types, styles and colors you have an endless array of possibilities to choose from. Before you begin, consider:

Are you interested in indoor lighting, outdoor or both?
How elaborate do you want your holiday light display to be?
How many electrical outlets are available and where are they?
What types and styles of lighting appeal to you?
What safety considerations do you need to keep in mind?

Planning

Start by thinking about your overall decorating objectives. Next, measure the areas where you want to hang your lights to ensure you have enough strands for proper coverage. Also consider your style preferences, budget and the amount of time you have to dedicate to the project. All these elements will help you determine how elaborate or simple to make your lighting display. To simplify setup and installation, break down indoor lighting projects according to each room. Outdoor lighting will need to be considered as a whole, but larger-scale projects can be separated into different zones based on the location of electrical outlets. Remember where the outlets are when planning the number of strands of lights you will need.

Lights are a relatively inexpensive way to add some holiday cheer to your home
Additional items such as outdoor decorations should also be incorporated into your plan
If you do not have GFCI outlets installed, consider adding them for extra safety

Indoor vs. Outdoor Lights

All Christmas lights are classified for use in either outdoor or indoor areas, but the majority of lights at The Home Depot are both indoor and outdoor compatible. Outdoor-rated lights are optimized to stand up to harsh environmental elements while maintaining safe electrical connections. Before purchasing holiday lights, be sure you know where they will be located and select only appropriately rated sets.

Indoor-rated lights are designed for indoor use only
Outdoor-rated lights can be used both indoors and out
Outdoor displays must use outdoor-rated extension cords only

Types and Styles

While traditional incandescent Christmas lights are still very popular, advances in technology over the past few years have dramatically improved the latest available selections. LED lights offer many advantages over the traditional incandescent lights, including:

Energy Savings of up to 80%
Lifespan up to 20-times longer
Cool to the touch and increased durability
Connect many more strands together on one outlet or extension cord

The Home Depot offers three grades of LED lights on a good/better/best basis designed to improve indoor and outdoor lighting displays and save on utility bills.

Home Accents Holiday is an LED light set that allows up to forty-five light sets to connect together on one single outlet. They are available with many different bulb caps and shapes, and replacement bulbs are sold online at homedepot.com.

Martha Stewart Living light sets feature continuous on-bulb technology where if one bulb burns out, becomes loose or breaks, the rest of the string stays lit. They are also flicker-free bulbs and come with a variety of specialty decorative caps. Warm white and softer color bulbs were specifically selected as they perform better than other types of indoor LED lights that can be too bright or harsh inside.

EcoSmart light sets contain the same features as the Martha Stewart Living sets mentioned above, but additionally offer super bright warm white and multicolored LED bulbs, exclusive replaceable water resistant bulbs and commercial grade LED bulbs with sealed husks that block moisture from getting inside the bulb, virtually eliminating rust or damage to the wires and increasing the longevity of the strand.

Solar Lights are another new entry for Holiday outdoor lighting. They turn on automatically at dusk and charge during the day, even in cloudy conditions. These LED lights are available in icicle style-white, mini-white, mini-colored and icicle style-colored varieties and can be set as steady on, or flashing.

Get Creative

Holiday lighting can be used to create a wide range of effects, from the bright, clear illumination of vintage bulbs to the magical sparkle of hundreds of tiny LEDs. Advances in technology have resulted in color changing LED lights and strands that illuminate in different directions or patterns for an amazing light show. Advances in LED lights now enable coverage of up to ¼ mile, so you can light up areas that have been unreachable in the past. Consider lighting the top of your fence, garden or trees for an unbelievably festive and beautiful display. You can also include inflatable decorations or lighted sculptures in your collection.

If you are unable to reach an electrical outlet, battery operated lights enable illumination of items such as wreaths or foliage.

Installation and Safety

In order to create a safe and memorable decorating experience, there are a few simple guidelines that must be observed. First and foremost, be very careful not to overload electrical outlets or extension cords. Typically, incandescent lights have a limit of 500 lights per strand, which means you can connect 10 sets of 50-lights or 5 sets of 100-lights. But when stringing multiple strands together, consult the manufacturer’s instructions and do not exceed the recommended number of connections. Never connect different strands of lights together on the same circuit or outlet, such as a C7 or C9 incandescent strand with a mini-light strand and never connect incandescent lights with LED lights.

Make sure you test your lights to make sure they are working and inspect all cords and wires prior to installation. Immediately dispose of any lights or cords that show signs of damage or wear.

In outdoor environments, wrap a piece of electrical tape around the connected plugs to provide further protection from the elements. For simple, convenient attachments to a roof, wall or other surface, look for plastic and plastic-coated fasteners, hooks and clips designed exclusively to hold holiday lighting.

Do not overload electrical outlets or extension cords
Use only plastic or plastic coated fasteners and clips to hang electric lights
Always unplug the lights when you leave the house or go to sleep
Automatic light timers can be used to turn your lights on and off at specific times of day
Do not run electrical cords along high-traffic areas or place underneath a rug
Always work with a partner when using a ladder to help prevent accidents
Never place ladders on snow, ice or slick surfaces

Storage

After the holidays, you’ll want to carefully store away all of your seasonal decorations in a dry place, such as an interior closet. Allow light sets that have been outdoors in wet weather or accumulated moisture time to dry out before placing them in storage. Avoid storing lights and decorations in attics or basements where the amount of moisture fluctuates during the year. Taking the time to properly care for your lights as you take them down will save you considerable time next year when you go to set them up again. Additionally, keeping incandescent light strands neat and organized can help preserve their life by preventing broken or missing bulbs, damaged cords and messy tangles.

Various types of reels and spools designed exclusively for holiday lights can be purchased. Simply wrap your lights around these devices as indicated and place them in an appropriate storage bin, box or storage bag. If you don’t have a reel or spool, try wrapping them around a sturdy cardboard sheet or tube. Be careful not to wrap too tightly as this can put strain on the wires.

Spools and reels provide a convenient and organized way to store holiday lights
Inspect cords and wires for cuts, nicks and other damage as you wind your lights
Boxes and storage bins that are designed to hold and store lights are an excellent option

Features

UL Listed Lights: Underwriters Laboratory (UL) is an independent testing agency that verifies lights are safe for use under designated conditions. Look for the UL listing on all your holiday lighting purchases.

Commercial Lights: For more ambitious decorating projects, lights rated for commercial use can be connected and strung together in longer continuous lengths.

Energy-Efficient Lighting: Lighting your home and yard for the holidays can add to your monthly energy costs. Look for more efficient options such as LED lights to cut down on creeping holiday expenses while continuing to enjoy your festive decorations.

Battery-Operated Lights: Illuminate items that are not easily connected to electrical outlets such as wreaths, holiday flower/foliage arrangements and other decorative accents with the use of battery-operated light strands.

Outdoor Decorations: Combine your holiday lights with a variety of decorations designed exclusively for outdoor use, such as lighted sculptures, inflatable lawn ornaments and other unique embellishments for a truly memorable celebration.

Selling your house over the holidays?? Here are some great holiday decorating tips

2011-11-28T11:02:00.002-06:00

Turkey day has come and gone. If your family is anything like mine, that means this week will be spent decorating for the holiday season. But, if you are selling your house over the holidays, should you decorate, and if so how much. This answer to this question is of course, that it is your home, and you can do what you want, but we have found some great tips on how to get the holiday look while still attracting buyers to your home.

1. Ornamental decor: Showcase decorative ornaments in baskets or snuggled among towels, suggests Johnson.

2. Sparkling interiors: Drape small, soft white lights across the fireplace mantle, windows, or handrails going upstairs and downstairs. “The warmth, gentle sparkle and illumination helps to further reveal a home’s interior -- not to mention bring out a cozy and welcoming atmosphere,” says Janet DiTroia with Long & Foster in Doylestown, Pa.

3. Ribbons: Tie holiday ribbons -- such as in red -- around candle holders and place them throughout the house, such as on vanities or alongside the bath tub, Johnson suggests.

4. Unexpected fun touches: Hang a wreath on the bed frame or add a Santa hat to the bedroom furniture, Johnson suggests. Or, wrap and decorate a box and place the “gift” in the middle of the bed for some unexpected, subtle touches throughout the house, Johnson says.

5. Window appeal: Small branches along window sills and placed like dollies on trays add instant holiday appeal, says Joanne O’Donnell, president and CEO of Chic Home Interiors.

6. Wreaths and garlands: Wreaths and garland used for both indoors and out can keep decor balanced and not overly religious, says Linda Zukowski, Prudential Starck, REALTORS® in Palatine, Ill. Red berry garland can also add pops of color along handrails or mixed into centerpieces.

7. Candle glow: Candles can add holiday charm and warmth. Don’t want the fire hazard of a flame? Try a safer alternative: Battery-operated candles. Betty Cunningham with Coldwell Banker Residential Brokerage in Schaumburg, Ill., says they are so real looking that if you put them in a votive holder, you'll swear they are really burning. She scatters them everywhere in the house.

8. Holiday party ready: Let buyers envision themselves entertaining their friends and family at the house by setting the dining room table with holiday place settings and centerpieces, suggests June Lizotte with June Lizotte Real Estate in Milwaukie, Ore.

9. Art display: Choose one section of the home with a feature wall and switch out the art to put up Christmas artwork -- that is, if you have some nice quality pieces, says Lizotte. For example, you might have artwork depicting a wintery scene with touches of holiday decor mixed in. But whatever holiday decorations you hang up, be sure to use removable plastic hooks for putting anything up on the walls and perhaps even the outdoors, suggests Zukowski. “They are quick easy removal without putting any holes in the walls,” she says.

10. Simple centerpieces: Collect a few baubles -- such as shiny red ornament baubles -- and add them to a hurricane or glass bowl, sprinkling such festive displays around the house. Or, add pine cones to a clear glass bowl or basket with a ribbon -- and maybe even mix in some shiny baubles for sparkle.

11. Sweetin’ the deal: Offer holiday-themed candy by placing it in a festive bowl on a coffee table in the great/living room, the kitchen counter, and on tables located in any room, recommends Che’rell Bilquist with Staged To Show ‘n Sell in Lenexa, Kan. Fill the bowl with gourmet chocolate truffles, fudge or candy cane fudge, Hershey Kisses, or Christmas Krinkles.

Or offer fresh-baked holiday treats for your visitors and even complete the look by having a holiday cookbook displayed on the kitchen counter.

Saling your house over the holidays?? Here are some great holiday decorating tips

2011-11-28T11:02:00.000-06:00

Thanksgiving Cooking Safety Tips

2011-11-22T10:26:00.000-06:00

Plano Home Tips : Thanksgiving Cooking Safety Tips

Are you going to be like the millions of Americans who will be cooking up big meals this Thursday for Thanksgiving? Did you know cooking fires are 3x more likely to occur on Thanksgiving than any other day in the year. I found a great video from ABC affiliate WJBF in South Carolina that shares some great tips to keep you and your loved ones safe this holiday season.

To view the video of Thanksgiving Cooking Safety Tips CLICK HERE

If you have any safety tips that are not shared in the video please share them below in the comments section so all our AWESOME readers can benefit from your knowledge.

HAVE A HAPPY THANKSGIVING!!!!! AND GO COWBOYS!!!!

Fall Lawn Care Tips

2011-11-20T13:20:00.000-06:00

Plano Home Tips : Fall Lawn Care Tips

Everybody likes to have a nice green lawn during the summer. But did you know that how you treat your lawn in the fall and winter can have a great effect on how healthy your lawn will be the following summer. I found some great fall lawn care tips on weekendgardener.net that will help make your lawn look its best this spring and summer....by treating it this fall and winter. As always, if you have any tips not mentioned please share them in the comments section below so all our great readers can benefit from your knowledge.

To check out the complete website for WeekendGardener.net by Clicking Here

Fall Maintenance Tips for your Lawn:

Fall is the best time to prepare your lawn for next spring because you can do more now to impact how your lawn will look next year than at any other time of the year.

Unfortunately, many of us have lost our enthusiasm for yard work at this time of year, because we’ve been hard at it all summer, and because many of us think about lawn care only during the fresh exciting months of spring when everything is growing.

If however, you can get out there and do a few last easy tasks this month, it’s a guarantee that you’ll be way ahead for next year.
That’s because with cooler temperatures, the grass is going to be focusing on root growth. Therefore, we want to build up the density of the grass and encourage the most vigorous, healthy turf we can now to enjoy later.

Another good thing about giving your lawn a little care in the fall, is that you can do more for weed control by attacking them right now than can be done with two or three weed killing applications in the spring or summer.

Lastly, none of the following items take long to do, but the results will look like you spent hours because your lawn will come blazing into spring with immense growth and color.
Get Your Lawn In Shape!

General Overview
There are some basic things you’ll want to do with your lawn this fall. This list provides a general overview.

For specific to-dos, we have broken things down for cool-season and warm-season grasses below.

General To-Do List
Fertilize your lawn in October before the first heavy freeze, no matter if you have a cool or warm-season grass – but use a winterizerfertilizer
A winterizer fertilizer is like a 7-3-2. They are usually clearly labeled and one of the best is: Fall Lawns Alive!® All-Natural Fertilizer
This all-natural product is formulated specifically for use in late summer and fall and it encourages strong, vigorous root development on both cool-weather and warm-weather lawns
Vigorous fall root development allows grass to over-winter better, and get off to a better start the following spring
At the same time it improves soil structure
It helps increase resistance to disease and insect pests
It provides a long-lasting balance of nutrients and helps grass get prepared for harsh winter weather
Other common winterizing fertilizer formulas are 18-6-12 or 15-5-10 which come in organic and non-organic products.
The winter weeds are germinating like crazy in the fall, and getting ready for next year, so make sure you apply a pre-emergent as soon as possible. The best time to apply a pre-emergent to combat winter weeds is in August or September, but if you haven’t done so yet, do it now! A good organic pre-emergent is corn gluten meal. Corn gluten can be found at most garden centers.
By attacking the weeds now, you can do more about weed control than you can in the spring or summer.
If you have a lot of leaves, mulch them up and apply them to your lawn. They won’t contribute to thatch and they act almost as another fertilizer application for the turf.
Lastly, mowing is the single most important thing you can do to manage the vigor of your grass and its ability to compete against weeds. In the fall, the best results are obtained by mowing at the highest setting on your mower. In no case should the mowing leave the grass less than 1.5 inches (3.75 cm) tall. This will help insulate the grass during the winter.
If you need more information about mowing heights – go here: Mowing Tips and Techniques

Cool-Season Grasses – Fall To Do List

(Bluegrass, Bentgrass, Ryegrass, Fescues)
For all grasses and growing guides see our Grass Types
Early Fall:
If there is a thatch layer deeper than 1/2 inch (1.25 cm), dethatch
Fertilize using a good winterizer fertilzer like Fall Lawns Alive!® All-Natural Fertilizer which is a 7-3-2, and will help winterize your lawn by encouraging strong root development on fall-sown turf as well as on established lawns.
Sow new cool-season lawns
Reseed bare patches on existing lawns
Get after the weeds now and apply a good organic pre-emergent such corn gluten meal
Late Fall:
Continue mowing at the correct height, taking off no more than a third at a time so the grass is well insulated in the winter. Best results are obtained by mowing at the highest setting on your mower. In no case should the mowing leave the grass less than 1.5 inches (3.75 cm) tall. (For more mowing height info: Mowing Tips and Techniques)
Apply one last feeding of fertilizer

Warm-Season Grasses – Fall To Do List

(Bermuda, St. Augustine, Zoysia, Bahia)
For all grasses and growing guides see our Grass Types
Fall:
Inspect your lawn carefully for any signs of disease or insects
Continue mowing as necessary, but delay mowing as growth slows so that the grass goes into winter well insulated. Best results are obtained by mowing at the highest setting on your mower. In no case should the mowing leave the grass less than 1.5 inches (3.75 cm) tall
Overseed with cool-season grasses for winter color
Winterize your lawn with a good fertilizer like Fall Lawns Alive!® All-Natural Fertilizer which is 7-3-2, and encourages strong root development on fall-sown turf as well as on established lawns
Get after the weeds now and apply a good organic pre-emergent such corn gluten meal
Conclusion
If you do the few things above, you can rest so easy all winter long knowing that when spring rolls around you already have a huge jump on the care of your lawn.
That’s a very comforting thing, because it takes a lot of pressure off you when the weather warms up to spring into action against weeds, getting your lawn to color-up properly, and starting the mowing season.
Plus, the health of your lawn will be visibly apparent because during the cool weather the lawn’s roots have been developing and are now ready to put out tons of vigorous, healthy, green growth.
Your lawn is going to look so spectacular, and I know you will be very happy with the results!

Revers Mortgages : Are they a good deal??

2011-09-01T15:14:00.000-05:00

If you are up late one night watching TV you may jsut come across an ad for a reverse mortgage. Most these ads are aimed a senior citizens and baby boomers and promise to put cash in their pockets. But how does a reverse mortgage work and are they really a good deal?? I found this great read on dailyfinance.com that helps explains both the positives and negatives of a reverse mortgage. To rad the article click here : Reverse Mortgages : Are they a good deal???

KW CENRTAL "STAYING TOGETHER"

2011-08-11T15:03:00.000-05:00

sponsors video

2011-08-11T12:16:00.000-05:00

Beat The Summer Heat!!!!!

2011-07-18T20:11:00.000-05:00

It was yet another scorching hot day in Dallas. This has been the hottest summer I can ever remember experiencing. It seems my A/C has to run all day just to keep the home at a livable temperature. I found some great tips to keep you cool over the summer on the UK's DailyMail website that I wanted to share with my readers. If you have any tips not mentioned in the article please leave them below in the comments section so our other readers can take advantage of your knowledge.

Eat small meals often. The large the meal, the more metabolic heat your body creates breaking down the food. Avoid foods that are high in protein, which increase metabolic heat.

Run your wrists under a cold tap for five seconds each every couple of hours. Because a main vein passes through this area, it helps cool the blood.

Take a tepid bath or shower just below body temperature, especially before bedtime. Although a cold shower might sound more tempting, your body generates heat afterwards to compensate for the heat loss.

Wear lightweight, light-colored cotton clothes. Heat is trapped by synthetic fibers, but cotton absorbs perspiration and its evaporation causes you to feel cooler. The light colors reflect the sun's radiation.

While you are out, keep the house curtains drawn to stop it from heating up like a greenhouse.

You may be longing for a cold beer or frozen margarita, but you should avoid alcohol because it dehydrates the body. You are better off with mineral water or low-sugar fizzy drinks. Also, avoid drinks with caffeine such as coffee and colas. These increase the metabolic heat in the body.

Woman should replace their usual body moisturizer with a cooling aloe vera after sun product to use morning and night. This will help lower your skin temperature.

Slow down and avoid strenuous activity which will stimulate your body and raise its core temperature. If you must go jogging, do it during the coolest part of the day, which is usually before 7 am.

Get liquid ice. This re-usable ice wrap is perfect for cooling hot skin. The cloth, pre-soaked in liquid Ice solution, cools instantly when removed from the packet without need for refrigeration

Get some Mentholatum Migraine ice patches. These soft gel patches- designed to soothe headaches, come into their own during heatwaves as the instantly reduce skin temperature when applied. They can be found in pharmacies.

Drink Chrysanthemum tea. Practitioners say Chrysanthemum is a cooling herb which clears the head.

Sleep on a feather down pillow with a cotton pillowcase. Synthetic pillows will retain heat.

The night before you go out for the day in the sun, roll some damp flannels up and pop them in the freezer. Take them with you in a plastic bag. The, when you start to feel hot, unwrap them and place them over your face.

Try a Native American herbal remedy called Black Cohosh which has been clinically proven to relieve hot flushes and night sweats in menopausal woman. Recant research suggests it works on the hypothalamus, where it may help regulate body temperature.

Ditch your comforter and sleep under a sheet instead. Even better, put your sheets ina plastic bag and stick them in the fridge a couple of hours before going to bed. As we fall asleep our body temperature lowers, which is why it is difficult to sleep in hot weather. Cold sheets straight from the fridge should help you sleep better.

Sit back, close your eyes, and picture snow. Research has shown that the body reacts to these daydreams, reducing its overall temperature.

Hail Damage : What to do if your home has suffered hail damage

2011-05-25T11:01:00.003-05:00

Hail Damage can cause major damage to homes, car, and even bodies. And after the last few days here in North Texas I think we have seen enough hail and hail damage to last a lifetime. The only person who can possible enjoy the sound of ice chunks banging off your car and home are roofers and car repairmen. For the rest of us that sound means the possibility of major damage to our most valuable possesions. Unfortunately there is not much you can do to avoid hail damage. There are however some helpful tips you can follow if you do get hit by hail and suffer damages. These tips can help make sure you stay safe and get the repairs done in the fastest and best possible manner. Check them out below.

1. Put your personal safety first. Windows may be broken and glass may be shattered. Take caution to avoid these areas until you are positive the storm has passed and it is safe.

2. Stay cautious for any live wires that may have snapped. Wear proper shoes and gloces when inspecting the damage. DO NOT touch any loose wires!!!!

3. If you have insurance you will need to call and make a claim as soon as possible. Be prepared to give a general description of the property and damages as a representative will walk you through your claim.

4. Try to make any temporary repairs that are possible. If you have holes in the roof or broken windows try to temporarily repair them by using plywood and other materials. if you do not feel you can attempt repairs safely then DO NOT do them.

5. Check your insurance policy. Your insurance policy typically covers the cost to repair common hail damage-including damage to roofs, walls and cars, and your inventory or belongings. However, your deductible does apply-and you may have a higher deductible for wind/hail damage on your policy. Check your policy to see what’s covered and the deductible you’ve chosen. Reviewing your policy will help you prepare questions for your claims professional.

6. Document the damage. If it is safe and possible try and take pictures of the damage to your property as soon as possible. Do Not throw away any repairs quotes or bills as they may become important when making your insurance claim down the road.

7. Choose contractors wisely. Ask friends, family, and business associates for referrals of good contractors. Your choice in contractors can greatly affect the outcome of the repairs.

If your home is in need of repairs and you would like a list of qualified and honest repairmen please email BWebb@KW.com or call 469-951-2299.

Time to do some winter cleaning? DON'T buy all those expensive cleaners!!!!

2011-01-20T15:46:00.002-06:00

Is it time to do some winter cleaning around your house? If you are like me you have bottles and bottles of different cleaners for every type of surface in your home. It can be really EXPENSIVE to buy all the recommended cleaners and solutions you might need. That is where we at planohometips.com can help. We have found some great solutions to save you some money on cleaning supplies. You can use some simple stuff around your house to make effective and safe household cleaners and avoid having to buy all those expensive cleaners at the store. Try these easy recipes to clean your home effectively and on the cheap.

White Vinegar

Mildly acidic white vinegar dissolves dirt, soap scum, and hard water deposits from smooth surfaces, yet is gentle enough to use in solution to clean hardwood flooring.

White vinegar is a natural deodorizer, absorbing odors instead of covering them up. (And no, your bathroom won't smell like a salad! Any vinegar aroma disappears when dry.)

With no coloring agents, white vinegar won't stain grout on tiled surfaces. Because it cuts detergent residue, white vinegar makes a great fabric softener substitute for families with sensitive skin.

Try these recipes to harness the cleaning power of white vinegar:

Homemade Spray Cleaner Recipe

Mix in a sprayer bottle:

1 cup white vinegar
1 cup water

In the kitchen, use vinegar-and-water spray to clean countertops, lightly soiled range surfaces and backsplash areas.

In the bathroom, use vinegar spray cleaner to clean countertops, floors, and exterior surfaces of the toilet.

For really tough bathroom surfaces such as shower walls, pump up the cleaning power by removing the sprayer element and heating the solution in the microwave until barely hot. Spray shower walls with the warmed generously, allow to stand for 10 to 15 minutes, then scrub and rinse. The heat helps soften stubborn soap scum and loosens hard water deposits.

Undiluted White Vinegar

Undiluted white vinegar--straight from the jug--makes quick work of tougher cleaning problems involving hard water deposits or soap scum.

Use undiluted white vinegar to scrub the inside of the toilet bowl. Before you begin, dump a bucket of water into the toilet to force water out of the bowl and allow access to the sides. Pour undiluted white vinegar around the bowl and scrub with a toilet brush to remove stains and odor. Use a pumice stone to remove any remaining hard water rings.

Clean shower heads that have been clogged with mineral deposits with undiluted white vinegar. Place 1/4 to 1/2 cup vinegar in a plastic food storage bag, and secure the bag to the shower head with a rubber band. Let stand for 2 hours to overnight, then rinse and buff the fixture to a shiny finish.

Add one cup of undiluted white vinegar to the laundry rinse cycle instead of commercial fabric softener. White vinegar softens clothes and cuts detergent residue--a plus for family members with sensitive skin.

Baking Soda

Baking soda's mild abrasive action and natural deodorizing properties make it a powerful replacement for harsh commercial scouring powders. Put baking soda to work in your organized home:

Sprinkle baking soda onto a damp sponge to tackle grimy bathtub rings, scour vanities, or remove food deposits from the kitchen sink.

For tougher grime, make a paste of baking soda and water, apply to the tub or sink, and allow to stand for 10 to 20 minutes. Dirt, soap scum and deposits soften and are easier to remove.

Slow-running drains? Keep bathroom drains running freely by pouring 1/2 to 3/4 cup baking soda into the drain, and dribbling just enough hot water to wash the solution down. Let stand for 2 hours to overnight, then flush thoroughly with hot water. The deodorizing effect is an added bonus! [Do not use this method on blocked drains.]

Rubbing Alcohol

Rubbing (isopropyl) alcohol provides the base for an evaporating cleaner to rival commercial window and glass cleaning solutions. Use this glass cleaning spray recipe for windows, mirrors, chrome fixtures and for a shiny finish on hard-surface ceramic tiles:

Homemade Glass Cleaner Recipe

Mix in a sprayer bottle:

1 cup rubbing (isopropyl) alcohol
1 cup water
1 tablespoon white vinegar

Ammonia

A strong alkaline solution, clear, non-sudsing ammonia creates stronger window and all-purpose cleaning recipes than acidic vinegar. Choose non-sudsing varieties of household ammonia for these cleaning recipes. Suds may make it appear like the cleaner is working, but they're tough to rinse and remove. Try these ammonia recipes for spring cleaning or tough chores:

Strong Glass Cleaner Recipe

Mix in a sprayer bottle:

1 cup rubbing (isopropyl) alcohol
1 cup water
1 tablespoon clear, non-sudsing ammonia

Strong All-Purpose Cleaner Recipe

Mix in a sprayer bottle:

1 T clear, non-sudsing ammonia
1 T clear laundry detergent
2 cups water

Furniture Polish

Most of us no longer use hard-to-apply furniture wax, but rely on oil-based polish to keep furniture protected and shiny.

This "salad dressing" recipe for furniture polish avoids the danger of silicone oil, found in most commercial polishes and sprays. Silicone oil can penetrate tiny cracks in furniture finish and enter the wood, causing problems in the event refinishing is needed.

Lemon juice dissolves dirt and smudges, while olive oil shines and protects the wood:

Furniture Polish Recipe

Mix in a sprayer bottle:

1 cup olive oil
1/2 cup lemon juice

Shake well and apply a small amount to a flannel cleaning rag or cleaning cloth. Spread evenly over furniture surface. Turn cloth to a dry side and polish dry.

Some more great tips for your home in the Winter

2011-01-19T14:39:00.001-06:00

We here at Plano Area Home Tips and Information (PAHTI) are always searching the web for more helpful advice to share with you, our loyal readers. I found another great winter checklist I would like to share with you; this one from State Farm Insurance. It gives some great tips for maintaining and caring for your house during the winter time. And sure, we don't have extreme winters here in Dallas, but it does get cold enough for just a few weeks to do some major damage to Dallas houses. So hopefully if you follow these guidelines your home will run safe and smooth all winter long. Like always if you have a tip you don't see on the list please be sure and share it with all of our awesome readers in the comments section.

Winter Maintenance Tips For Your Home

Winter tips

Remove screens from windows and install storm windows
Clean out gutters and downspouts
Insulate pipes in your home's crawl spaces and attic
Store firewood at least 30 feet away from your home
Familiarize responsible family members with the gas main valve and other appliance valves
Clean the clothes dryer exhaust duct, damper and space under the dryer
Make sure all electrical holiday decorations have tight connections
Check the attic for adequate ventilation
Clean the kitchen exhaust hood and air filter
Check the water hoses on the clothes washer, refrigerator icemaker and dishwasher for cracks and bubbles
Test all ground-fault-circuit-interrupter (GFCI) outlets

Remove the screens from the storm window frames and install storm windows

Storm windows help reduce the cost to heat your home and help prevent windowsills from rotting.

Clean out gutters and downspouts

Cleaning debris and fallen leaves reduces the chances of an ice dam forming. One good step is to spray water down the downspouts to wash away leaves and other debris. A good tip is to place gutter screens over gutters. Read more about ice dams at attic ventilation and water damage.

Extreme caution should be exercised when working on or around the roof. Consider hiring a professional.

Insulate pipes in your home's crawl spaces and attic

These exposed pipes are most susceptible to freezing. Remember: the more insulation you use, the better protected your pipes will be.

Store firewood at least 30 feet away from your home

This will reduce a home's fire load and the chance of attracting termites.

Familiarize responsible family members with the main gas valve and other appliance valves

Responsible family members should be familiar with the location and operation of valves. If you are unsure of the location and operation of these valves, contact a qualified plumber.

Clean the clothes dryer exhaust duct, damper and space under the dryer

Poor maintenance allows lint to build up in the exhaust duct and may cause a fire.

Make sure all electrical holiday decorations have tight connections

If possible, use 3-prong plugs and cords. The use of 2-prong adapters, which permit 3-prong plugs to be used in 2-prong outlets, doesn't always provide grounding to protect against shock. Unplug decorations when not in use.

Use of extension cords should be temporary. To help reduce the chances of overheating, electric cords, including extension cords, should never be bundled together or run under rugs and carpet.

Check the attic for adequate ventilation

Check the exterior wall to be sure the ceiling insulation is not blocking the outside air from the soffit vents from getting into the attic. Make sure the attic has plenty of vents. Caution should be taken in all attic spaces that are unfinished. Read more at Attic ventilation and water damage.

Clean the kitchen exhaust hood and air filter

Keeping this clean of cooking grease will help keep a stovetop fire from spreading.

Check water hoses on the clothes washer, refrigerator icemaker and dishwasher for cracks and bubbles

Replace hoses that show signs of leaking. Read more about Preventing water damage in your home.

Test all ground-fault-circuit-interrupter (GFCI) outlets

These need to be tripped and reset once a month. If they do not trip or reset, have the outlet changed by a qualified electrician. These types of outlets are required around wet areas like bathrooms and kitchens to offer protection against shock. Only a qualified electrician should make changes in your home's electrical system.

Lawn Tips for the winter

2011-01-17T11:24:00.000-06:00

Are you wanting a lush and green yard this summer? Well there a few important steps you can take in the winter that can greatly help you get the yard you want this spring. Winter is a great time to get your yard prepared to bloom and blossom this spring.The first, and perhaps easiest, step is to pick up any leaves that cover your lawn. If left sitting over grass, they will create dead spots.The same goes for clutter and debris, such as toys. You may think that grass is completely dormant during Winter months, however, grass still needs oxygen and sunlight to maintain life. If you have it covered, you have it smothered.The next step, do not drive on the grass. Winter is a time for holiday parties and family get-togethers. Many people may be tempted to park on lawns. Resist the urge!You can take lawn care two steps further, as well. If your lawn has pH issues, now is the time to treat it with lime and other additives. Contact your local lawn specialist for more information. Late Winter is also the time to aerate your lawn. What is aerating? By making small holes in the surface of your lawn, you allow for deeper root growth. You also allow nutrients to gain direct access to the grass roots. This should give you a fuller, thicker lawn.
Follow these simple steps and wake up to a beautiful Spring lawn.

Apartment prices set to climb; could now be a good time to buy?

2011-01-14T10:38:00.000-06:00

It has never been much of a problem for people to find an apartment to rent in and around Dallas. Well, that is about to change in the next year economists claim. Builders are unable to keep up with the growing demand for rental properties thus the rents on existing properties could rise steeply in the next year. And that is why NOW might be a great time to start thinking about buying as opposed to renting. Instead of paying double what you pay today to rent that same apartment next year wouldn't it be nicer to have a place that is all yours? Where you know nobody is going to double the price it costs to live in your home year after year? With interest rates still so low, often times your house payment can be less than an apartment payment, and you are building equity. And while Dallas didn't see the housing prices decline like they did in states like Florida and California there are still some great deals out there for hungry buyers. Before you sign that next lease you owe it to yourself to sit down with a real estate professional and at least look at all of your options. You could very easily save alot of money by buying this year as opposed to renting another apartment for a year.

Keep your home safe in the cold

2011-01-13T11:56:00.001-06:00

Brrrrr....... it has been a cold week here in Dallas.It all started with a nice snow shower on Sunday afternoon. And since then it has only gotten colder, causing much of the snow to stick around on roofs and bushes.While Dallas certainly is not known for having the harshest winters on Earth, we do get our fair share of cold weather in the winter months. And when the temperatures go below freezing it can really wreck havoc on your home. Roof damage, burst drains, and frozen pipes are just a few of the headaches Mr. Winter can cause. Below I have posted some great tips from weather.com that can help minimize winter's threat to your home. If you have any useful tips not listed below please leave them in our comments section so we can share them with our other readers.

Winter Weather Home Tips

While you can't change the weather, you can minimize some of winter's biggest threats to your home.

Heavy snow accumulation can pose a threat to your home or business -- both as it builds up and as it melts. The three most important things to do are:

Watch for snow accumulation on the leeward (downwind) side of a higher-level roof, where blowing snow will collect. For safe removal that won't endanger you or damage your roof, consult a roofing contractor for a referral.

Remove snow from basement stairwells, window wells and all walls. Melting snow can lead to water damage and moisture intrusion.

Keep your attic well ventilated to maintain a temperature close to that of the outdoors to minimize the risk of ice dams forming. A warm attic melts snow on the roof, causing water to run down and refreeze at the roof's edge, where it's much cooler. If ice builds up and blocks water from draining, water is forced under the roof covering and into your attic or down the inside walls of your house.

Water intrusion and flood damage from melting snow and ice can threaten homes and businesses, but you can take these steps to help minimize the potential damage.
Immediately after the threat of physical danger has passed:

Make sure the building is structurally safe to enter or reoccupy.

Turn off electrical power. Do not use electricity until it is safe to do so.

Ensure that natural gas sources are safely secured.

Secure the exterior to prevent further water intrusion. This can include boarding up broken windows, making temporary roof repairs, sealing cracks or tacking down plastic sheeting against open gaps in walls or roofs.When it's safe to begin cleanup:

Disconnect all electronics/electrical equipment and move it to a safe, dry location.

Remove as much standing water as possible from inside the building.

Begin to remove water-damaged materials immediately.

Ventilate the home as best you can with fans and/or dehumidifiers.

Contact a water extraction company, if necessary, for assistance.
By taking immediate action, you will reduce the amount of damage and increase the chance of salvaging usable materials. You'll also reduce the amount of rust, rot, mold and mildew that may develop, and lower the likelihood that the water will lead to structural problems.

Ice dams are an accumulation of ice at the lower edge of a sloped roof. When interior heat melts the snow, water can run down and refreeze at the roof's edge, where it's much cooler. If the ice builds up and blocks water from draining off the roof, water is forced under the roof covering and into your attic or down the inside walls of your house.
To help reduce the risk of ice dams:

Make sure your gutters are clear of leaves and debris.

Keep the attic well ventilated so snow doesn't melt and refreeze on the roof's edge.

Make sure the attic floor is well insulated to minimize the amount of heat rising through the attic from within the house.

Bursting pipes occur when frozen water causes a pressure buildup between the ice blockage and the closed faucet. Pipes in attics, crawl spaces and outside walls are particularly vulnerable to extreme cold. To keep water in your pipes from freezing:

Fit exposed pipes with insulation sleeves or wrapping to slow heat transfer.

Seal cracks and holes in outside walls and foundations near water pipes with caulking.

Keep cabinet doors open to allow warm air to circulate around pipes.

Keep a slow trickle of water flowing through faucets connected to pipes that run through an unheated or unprotected space.Source: Institute for Business and Home Safety. IBHS is a national nonprofit initiative of the insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.

Thinking about doing some painting? Here is what you need to know!

2011-01-05T11:19:00.001-06:00

Are you tired of staring at the boring white walls of your home? Thinking about adding a little color and texture to your life? Repainting a wall in your home can give it a real fresh and new feel. And it is not all that hard to do. However, there are a lot of choices to make when you decide to paint your home. We have found a great painters dictionary and guide on HGTV.com that we would like to share with you. Hopefully this will make it a little easier for you when you go into your local paint store to pick your next color.

Painter's Glossary

All About Paint

Latex Paint: Often called “acrylic latex" because it contains a plastic resin made of acrylics or polyvinyls to help it adhere better (see Water-Based Paint).

Oil-Based Paint: Commonly used on molding, cabinets and furniture. It provides a protective coating and creates a smoother finish than water-based paint.

To tell whether your current wall color is water- or oil-based, douse a white cloth with rubbing alcohol and rub it on the wall (in an out-of-the-way spot). If the paint softens and begins to transfer onto the cloth, it is water based. If the alcohol does not remove any color, it is oil-based.

Primer: Used to seal bare surfaces and provide a base for paint to grab on to. If you've spackled your walls, priming is a must to prevent the spackle from bleeding through the paint. Use water-based primer on new drywall, previously painted walls (including those that have been patched, repaired or stained), galvanized metal and nonferrous metals. Use oil-based primer on severely stained or damaged walls, on paneling, under wallpaper, and on wrought iron, ferrous metal and raw wood.

Sheen: A paint’s sheen gives it a certain finish and quality. There are several options:
- Matte/Flat – Smooth finish, has little or no sheen. Helps hide surface imperfections but may suffer damage more easily than other finishes. Best for low-traffic areas.
- Eggshell – Velvety sheen, easy to clean. Great middle-of-the-road option between flat and high gloss. Gives a flatter look than glossy paint but still provides hard-wearing and protective coating.
- Satin – Silky, pearl-like finish, stain-resistant. Creates protective shell that resists moisture and mildew. Good for kitchens, bathrooms and high-traffic areas.
- Semigloss – Sleek, radiant and high resistance to moisture. Good for cabinets, doors and windows.
- High Gloss – Very durable and easy to clean. Its glass-like finish makes it good for trim and molding.

Water-Based Paint: (Latex paint is often called water-based) Commonly used on walls and ceilings, it is less toxic and easier to clean up than oil-based paints. Water-based paint comes in a variety of sheens including matte, eggshell or high-gloss (see above).

Water-based paint works well on surfaces previously painted with latex or flat oil-base paints. It usually doesn’t adhere well to high-gloss finishes, however, and cannot be used on bare steel because it will rust it. Water-based paint can be used on top of wallpaper, but there is a risk that the water in the paint may cause the paper to peel away from the wall.

Color Basics

Color Wheel: A pie-shaped diagram showing the range and relationship of colors.

Complementary Colors: Hues directly opposite each other on the color wheel. For example: green paired with red or orange paired with blue. As the strongest contrasts, complements tend to intensify each other.

Harmonious (Analogous) Colors: Three to six colors close together on the color wheel. The shared underlying color generally gives such color schemes a coherent, sophisticated look. Since little variety of color is used, interest has to come from texture, pattern, lighting and accessorizing.

Hue: Another term for specific points on the pure, clear range of the color wheel.

Primary Colors: Red, blue and yellow. All other colors are derived from these three.

Monochromatic: Color schemes that are shades and tints of one color. For example: brown and taupe.

Secondary Colors: A mix of two primary colors. For example: violet is made from mixing blue and red, green is made from yellow and blue, and yellow and red combine to make orange.

Triad colors: Three colors that are equally spaced on the color wheel, such as violet, red and orange or red, yellow and blue.

Value/Tone: Degree of lightness or darkness of a color. It is determined by adding black to create a shade, white to create a tint, or gray to create a tone. Monochromatic color schemes are shades and tints of one color.

Finding the Right Tools

Paintbrushes – Which type is best?: Use a nylon-bristle brush for water-based paint and natural bristles for oil-based paint. Do not use natural bristles with water–based paint, the water can make the bristles limp. Foam brushes are good for intricate work such as painting molding or window casings. These brushes usually last for only one use because they're hard to clean and easy to tear.

Paintbrush Shape:
- Angled-Sash Paintbrush – The bristles are cut at an angle to make it easier to cut into corners and paint moldings.
- Straight-End Paintbrush – Straight-end brushes' bristles are cut at the same length.

Types of Bristles: The best brushes have bristles that are flagged and tipped. Flagged bristles are slightly split, so they’ll hold more paint and spread it more smoothly. Tipped bristles are slightly tapered to help release an even, controllable amount of paint.

Cleaning Paintbrushes: Use soap and water to clean latex paint off the brush immediately after painting. If the paint dries on the brush, you'll need special solvents to remove it. If your house is on a public sewer system, you can clean the brushes in your sink, but be careful not to dispose of paint in an area where it might seep into the groundwater.

For oil-based paints, you'll need a solvent such as paint thinner or mineral spirits. Pour about two inches of thinner into a metal container and swirl the dirty brush in it until the paint comes off. Press the brush against the side of the container to remove excess thinner and clean off the remaining thinner with a rag, then rinse with soap and water. If oil-based paint dries on your brush, just soak it in thinner for a few minutes before cleaning. Caution: Rags, steel wool, sanding dust or waste soaked with oil-based products may spontaneously catch fire if improperly discarded. Immediately after each use, place rags, steel wool, sanding dust or waste in a sealed, water-filled metal container

Moist paintbrushes can be wrapped in plastic or waxed paper and sealed with a rubber band or aluminum foil. Hang brushes upside down to maintain their shape.

Painting Pads: These can be very useful for cutting around trim. The pads come with small wheels that allow you to paint up to the edge of the trim without getting paint on the trim. To use one, dip the pad face into the paint, being careful not to get paint on the rollers.

Paint Sprayers: There is a wide selection of sprayers available, ranging in size, capabilities and price. No matter which type you use, always wear a dust mask or respirator to protect yourself from fumes.
- Hand-held airless paint sprayers – best for staining and for outdoor work, such as painting a fence or sealing a deck. Use only oil-based paint or stain unless it is rated at 45 watts or more.
- Airless spray paint roller -- works like a paint roller, without the inconvenience of having to continuously refill your paint tray as you work.
- High-volume low-pressure sprayer – designed for professional finishing jobs, where the control of the spray is important. Good for painting interior walls, exterior jobs and crown or dentil molding. They come with various nozzles that can be used to create special designs. Can use oil- or latex-based paint.
- High-pressure, low-volume sprayer – this sprayer is gravity fed and works with a compressor. It has the capacity to spray a wide variety of finishes, but can overspray and splash back at times.
- Diaphragm paint sprayer – works with five-gallon bucket to provide a continuous supply of paint.

Paint-Sprayer Cleanup: After using latex paint, run water through the sprayer until it's clear. After using oil-based paint, pour paint thinner into the sprayer. It's important to clean the sprayer and nozzles thoroughly because any leftover paint can ruin the machine.

Roller Covers: Paint rollers are great time savers on any paint project. Using the correct roller cover can make your painting a whole lot smoother.

- Nap –The correct nap length of roller cover all depends on the texture of the surface you are painting. For a rough surface, use a roller with a long nap length. For smooth surfaces, use a shorter nap length. For example, on concrete block or stucco use a roller cover with a 3/4" to 1" nap. A 3/8" or 1/2” nap will probably work for most interior wall surfaces and with various sheen levels. A 1/4” nap is too flat and hard for most wall applications.
- Fiber – Mohair is good for applying enamel paint. Lambswool covers are excellent for alkyd paints, but not for latex. Synthetic fibers are the most versatile but cannot be used with epoxies and polyurethane.
- Core – Cardboard cores are not very durable because they absorb the paint, get soft and often lose their shape. Also, cardboard and many other types of roller covers use glue to hold the fabric to the core. The problem here is that the solvents in paint can cause the glue to dissolve, making the roller fall apart.

When selecting a roller frame, look for expandable poles made from heavy-gauge wire, and make sure it has end bearings for smooth operation.

Cleaning Rollers:
- For latex paint, scrape as much paint off the roller as possible. Partially fill a sink or large bucket with warm water and roll the applicator back and forth. If necessary, use detergent with the water to remove difficult paint. Rinse the roller until the water is clear. Let dry.
- For oil-based paint, scrape as much paint as possible off the roller. Roll the applicator in a paint tray containing mineral spirits or paint thinner then wash the roller in soapy water. Rinse thoroughly and let dry.
- Store rollers in clean plastic bags.

(Once again thanks to HGTV.com for this awesome guide to painting!)

Tips for the perfect New Years Party!

2010-12-29T12:59:00.004-06:00

Are you bravely opening your doors this New Years Eve and inviting friends and family for a celebration of the last night of 2010 and the start of 2011. Throwing a great New Years Eve party can be much easier than you might imagine. With a few simple decorations and the right music and lighting you can turn a normal everyday home into the perfect party house. I have found some great tips on myblessedlife.com that will help you throw the perfect party this new years eve.

10 Tips To A Fabulous New Year’s Eve Party

1. Keep It Simple

Don’t outdo yourself. Seriously, didn’t we just come through Christmas? You and your family and your guests will enjoy themselves at a simple party.

2. Invite Friends

Keep your guest list to people you truly enjoy being with. Chances are that you just had some stressful family times, so make your New Year’s party comfortable and as stress-free as possible!

3. Keep Decorations Minimal

Don’t put away all the Christmas decorations just yet. Use silver and gold ornaments to fill vases for New Year’s! Last year, I arranged a display of various clocks on my piano. It was a cute, easy display.

4. Functional Favors

It’s fun to use party horns to decorate and they are perfect for ringing or blasting in the New Year. Functional decor rocks!

5. Fabulous Food

Each year everyone brings their favorite appetizer or hors d’oeuvres. We always end up with a fabulous spread including some of the following:

If you’re in a cupcake mood, check out these amazing cupcake wrappers & toppers by Paper Scissors Cake. They are GORG!

6. Cozy Drinks

My hubs is a coffee connoisseur, so we always have plenty of that and apple cider. Also, sparkling water and sparkling grape juice sound pretty awesome right about now!

7. Fun Games

Our favorite group games are Four On A Couch, Apples To Apples, Catch Phrase & Taboo. We love to laugh and our parties are never quiet. Fun!

8. Time To Reflect

At some point in the evening, we all share something that we are thankful for from 2010. It’s exciting to look back at the year and what God’s done in our hearts and lives. It’s equally exciting to look ahead to a brand new year!

9. Fireworks To Ring…or Boom In The New Year

I think our older neighbors probably jump out of their skin when we set off fireworks at midnight. One family always brings their “canon” which totally ka-booms sooooo loud! Last year it was so cold outside that I watched the fireworks from inside the house. Ha!

10. Sleep In On New Year’s Day

Did someone say sleep in? Oh yes, glorious thought! We usually relax on New Year’s Day and have a wonderful, ham and black eyed peas dinner at my parents’ house. I love traditions!

Holiday Travel : Get there safer

2010-12-20T11:51:00.000-06:00

With Christmas fast approaching many of us will be loading our trunks with suitcases and presents and trekking across the country to visit friends and family. And while waking up on Christmas morning surrounded by friends and family is a joy, getting there can be an absolute nightmare. I found a few great tips on CNN.com that can help you arrive safely to your holiday destination.

Preventing a breakdown
Antifreeze should be checked every year to make sure it will protect against freezing, AAA says. Motorists should also maintain tire pressure according to the vehicle manufacturer's recommendation, not the number stamped on the tires, the motor club advises.

Cold weather can reduce tire inflation and put more strain on batteries, so making sure everything is in good shape is key to guarding against car trouble.

Also inspect belts and hoses, lights, windshield wipers and fluid levels before hitting the road. And if you've been having any trouble with braking, the exhaust system or the heater, have those assessed before your trip, AAA recommends.

Snow and ice preparation

It's a good idea to pack some things that could get you out of a snowdrift this time of year.

AAA recommends a winter driving kit made up of the following: a bag of abrasive material (sand, salt or cat litter), a snow shovel and brush, traction mats, an ice scraper, booster cables, a flashlight, window washing liquid, cloth, warning flares or triangles, a cell phone, gloves and a blanket.

If you do get stuck, you can contact AAA via phone, iPhone app or at AAA.com.

Driving in wintry weather

Some holiday travelers are bound to encounter snow and ice en route to the festivities. If you have to drive in conditions with low visibility, go slowly with your headlights on low beam, AAA advises. Allow at least double the usual following distance between cars.

Never use cruise control on a slick surface. Steering around an obstruction is often safer than braking suddenly at speeds above 25 mph on a slippery surface, according to AAA's pamphlet (PDF) "How to Go on Ice and Snow."

When you do brake, don't remove your foot from the brake or pump the pedal if you have antilock brakes, AAA advises. Drivers of cars that don't have antilock brakes should keep their heel on the floor and apply firm pressure to the brake pedal to the threshold of locking.

In case of skidding, steer in the direction you want the front of the car to go, keeping your eyes on your travel path. And don't slam on the brakes; you're likely to make it harder to get back in control.

If you have any great holiday travel tips or fun travel stories please share them in the comments section below. Happy Holidays!!!!!

Plano Homes : Save the planet and some money while you are at it!

2010-12-15T10:50:00.001-06:00

Plano Homes : Wouldn't it be nice to save a little money this holidays season while also helping the planet? Well, it is possible to do both. I have found some great tips on the California Energy Commissions website that will not only keep the planet a little greener but will also keep a little more green in your wallet; and who doesn't like that around the holiday season. The great part is you don't even need to buy a pair of Birkenstocks and a Tye-dye shirt to help. Just check out this article at Plano Homes : Energy Saving Tips and see what small changes you can make that might have a big impact.

Plano Homes : Forbes names Plano, Texas safest city in America!

2010-12-07T10:11:00.001-06:00

Plano Homes : Wow! Forbes magazine has just named Plano, Texas the safest city in America. That is quite an impressive feat considering it tops a list that includes cities like New York, New York, Honolulu, Hawaii, and San Diego, California. What put Plano on top of the list was the fact that the city has the lowest rate of violent crimes in ALL major cities. Plano, Texas has always been known as a terrific city, and a great majority of the citizens will sing its praises loudly, but to be recognized by Forbes as the Safest City in America is something Plano can truly hang its hat on. To check out the entire Forbes article and see the complete list of cities that made the list go to Plano Homes : America’s Safest City.

Plano Homes gives great tips for 1st time home buyers

2010-11-30T12:30:00.000-06:00

Plano Homes: Are you thinking now is the right time to take advantage of all-time low interest rates and buy your first home? If you are like most first time buyers you have a lot of questions about the process and what to expect when purchasing your first home. The HUD website has a great article with questions and answers that all home buyers should find helpful, especially those buyers making their first home purchase. I have attached the article to this post so just scroll down to check it out.

Plano Homes : FAQ for first time home buyers

Why should I buy, instead of rent?
- Answer: A home is an investment. When you rent, you write your monthly check and that money is gone forever. But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes. This will save you a lot each year, because the interest you pay will make up most of your monthly payment for most of the years of your mortgage. You can also deduct the property taxes you pay as a homeowner. In addition, the value of your home may go up over the years. Finally, you'll enjoy having something that's all yours - a home where your own personal style will tell the world who you are.
What are "HUD homes," and are they a good deal?
- Answer: HUD homes can be a very good deal. When someone with a HUD insured mortgage can't meet the payments, the lender forecloses on the home; HUD pays the lender what is owed; and HUD takes ownership of the home. Then we sell it at market value as quickly as possible. Read all about buying a HUD home. Check our listings ofHUD homes and homes being sold by other federal agencies.
Can I become a homebuyer even if I have I've had bad credit, and don't have much for a down-payment?
- Answer: You may be a good candidate for one of the federal mortgage programs. Start by contacting one of the HUD-fundedhousing counseling agencies that can help you sort through your options. Also, contact your local government to see if there are anylocal homebuying programs that might work for you. Look in the blue pages of your phone directory for your local office of housing and community development or, if you can't find it, contact your mayor's office or your county executive's office.
Are there special homeownership grants or programs for single parents?
- Answer: There is help available. Start by becoming familiar with the homebuying process and pick a good real estate broker. Although as a single parent, you won't have the benefit of two incomes on which to qualify for a loan, consider getting pre-qualified, so that when you find a house you like in your price range you won't have the delay of trying to get qualified. Contact one of the HUD-funded housing counseling agencies in your area to talk through other options for help that might be available to you. Research buying a HUD home, as they can be very good deals. Also, contact your local government to see if there are anylocal homebuying programs that could help you. Look in the blue pages of your phone directory for your local office of housing and community development or, if you can't find it, contact your mayor's office or your county executive's office.
Should I use a real estate broker? How do I find one?
- Answer: Using a real estate broker is a very good idea. All the details involved in home buying, particularly the financial ones, can be mind-boggling. A good real estate professional can guide you through the entire process and make the experience much easier. A real estate broker will be well-acquainted with all the important things you'll want to know about a neighborhood you may be considering...the quality of schools, the number of children in the area, the safety of the neighborhood, traffic volume, and more. He or she will help you figure the price range you can afford and search the classified ads and multiple listing services for homes you'll want to see. With immediate access to homes as soon as they're put on the market, the broker can save you hours of wasted driving-around time. When it's time to make an offer on a home, the broker can point out ways to structure your deal to save you money. He or she will explain the advantages and disadvantages of different types of mortgages, guide you through the paperwork, and be there to hold your hand and answer last-minute questions when you sign the final papers at closing. And you don't have to pay the broker anything! The payment comes from the home seller - not from the buyer.By the way, if you want to buy a HUD home, you will be required to use a real estate broker to submit your bid. To find a broker who sells HUD homes, check your local yellow pages or the classified section of your local newspaper.

How much money will I have to come up with to buy a home?

Answer: Well, that depends on a number of factors, including the cost of the house and the type of mortgage you get. In general, you need to come up with enough money to cover three costs: earnest money- the deposit you make on the home when you submit your offer, to prove to the seller that you are serious about wanting to buy the house; the down payment, a percentage of the cost of the home that you must pay when you go to settlement; and closing costs, the costs associated with processing the paperwork to buy a house.When you make an offer on a home, your real estate broker will put your earnest money into an escrow account. If the offer is accepted, your earnest money will be applied to the down payment or closing costs. If your offer is not accepted, your money will be returned to you. The amount of your earnest money varies. If you buy a HUD home, for example, your deposit generally will range from $500 - $2,000.
The more money you can put into your down payment, the lower your mortgage payments will be. Some types of loans require 10-20% of the purchase price. That's why many first-time homebuyers turn to HUD's FHA for help. FHA loans require only 3% down - and sometimes less.Closing costs - which you will pay at settlement - average 3-4% of the price of your home. These costs cover various fees your lender charges and other processing expenses. When you apply for your loan, your lender will give you an estimate of the closing costs, so you won't be caught by surprise. If you buy a HUD home, HUD may pay many of your closing costs.

How do I know if I can get a loan?

Answer: Use our simple mortgage calculators to see how much mortgage you could pay - that's a good start. If the amount you can afford is significantly less than the cost of homes that interest you, then you might want to wait awhile longer. But before you give up, why don't you contact a real estate broker or a HUD-funded housing counseling agency? They will help you evaluate your loan potential. A broker will know what kinds of mortgages the lenders are offering and can help you choose a lender with a program that might be right for you. Another good idea is to get pre-qualified for a loan. That means you go to a lender and apply for a mortgage before you actually start looking for a home. Then you'll know exactly how much you can afford to spend, and it will speed the process once you do find the home of your dreams.

How do I find a lender?

Answer: You can finance a home with a loan from a bank, a savings and loan, a credit union, a private mortgage company, or various state government lenders. Shopping for a loan is like shopping for any other large purchase: you can save money if you take some time to look around for the best prices. Different lenders can offer quite different interest rates and loan fees; and as you know, a lower interest rate can make a big difference in how much home you can afford. Talk with several lenders before you decide. Most lenders need 3-6 weeks for the whole loan approval process. Your real estate broker will be familiar with lenders in the area and what they're offering. Or you can look in your local newspaper's real estate section - most papers list interest rates being offered by local lenders. You can find FHA-approved lenders in the Yellow Pages of your phone book. HUD does not make loans directly - you must use a HUD-approved lender if you're interested in an FHA loan.

In addition to the mortgage payment, what other costs do I need to consider?

Answer: Well, of course you'll have your monthly utilities. If your utilities have been covered in your rent, this may be new for you. Your real estate broker will be able to help you get information from the seller on how much utilities normally cost. In addition, you might have homeowner association or condo association dues. You'll definitely have property taxes, and you also may have city or county taxes. Taxes normally are rolled into your mortgage payment. Again, your broker will be able to help you anticipate these costs.

So what will my mortgage cover?

Answer: Most loans have 4 parts: principal: the repayment of the amount you actually borrowed; interest: payment to the lender for the money you've borrowed; homeowners insurance: a monthly amount to insure the property against loss from fire, smoke, theft, and other hazards required by most lenders; and property taxes: the annual city/county taxes assessed on your property, divided by the number of mortgage payments you make in a year. Most loans are for 30 years, although 15 year loans are available, too. During the life of the loan, you'll pay far more in interest than you will in principal - sometimes two or three times more! Because of the way loans are structured, in the first years you'll be paying mostly interest in your monthly payments. In the final years, you'll be paying mostly principal.

What do I need to take with me when I apply for a mortgage?

Answer: Good question! If you have everything with you when you visit your lender, you'll save a good deal of time. You should have: 1) social security numbers for both your and your spouse, if both of you are applying for the loan; 2) copies of your checking and savings account statements for the past 6 months; 3) evidence of any other assets like bonds or stocks; 4) a recent paycheck stub detailing your earnings; 5) a list of all credit card accounts and the approximate monthly amounts owed on each; 6) a list of account numbers and balances due on outstanding loans, such as car loans; 7) copies of your last 2 years' income tax statements; and 8) the name and address of someone who can verify your employment. Depending on your lender, you may be asked for other information.

I know there are lots of types of mortgages - how do I know which one is best for me?

Answer: You're right - there are many types of mortgages, and the more you know about them before you start, the better. Most people use a fixed-rate mortgage. In a fixed rate mortgage, your interest rate stays the same for the term of the mortgage, which normally is 30 years. The advantage of a fixed-rate mortgage is that you always know exactly how much your mortgage payment will be, and you can plan for it. Another kind of mortgage is an Adjustable Rate Mortgage (ARM). With this kind of mortgage, your interest rate and monthly payments usually start lower than a fixed rate mortgage. But your rate and payment can change either up or down, as often as once or twice a year. The adjustment is tied to a financial index, such as the U.S. Treasury Securities index. The advantage of an ARM is that you may be able to afford a more expensive home because your initial interest rate will be lower. There are several government mortgage programs,including the Veteran's Administration's programs and theDepartment of Agriculture's programs. Most people have heard of FHA mortgages. FHA doesn't actually make loans. Instead, it insures loans so that if buyers default for some reason, the lenders will get their money. This encourages lenders to give mortgages to people who might not otherwise qualify for a loan. Talk to your real estate broker about the various kinds of loans, before you begin shopping for a mortgage.

When I find the home I want, how much should I offer?

Answer: Again, your real estate broker can help you here. But there are several things you should consider: 1) is the asking price in line with prices of similar homes in the area? 2) Is the home in good condition or will you have to spend a substantial amount of money making it the way you want it? You probably want to get a professionalhome inspection before you make your offer. Your real estate broker can help you arrange one. 3) How long has the home been on the market? If it's been for sale for awhile, the seller may be more eager to accept a lower offer. 4) How much mortgage will be required? Make sure you really can afford whatever offer you make. 5) How much do you really want the home? The closer you are to the asking price, the more likely your offer will be accepted. In some cases, you may even want to offer more than the asking price, if you know you are competing with others for the house.

What if my offer is rejected?

Answer: They often are! But don't let that stop you. Now you begin negotiating. Your broker will help you. You may have to offer more money, but you may ask the seller to cover some or all of your closing costs or to make repairs that wouldn't normally be expected. Often, negotiations on a price go back and forth several times before a deal is made. Just remember - don't get so caught up in negotiations that you lose sight of what you really want and can afford!

So what will happen at closing?

Answer: Basically, you'll sit at a table with your broker, the broker for the seller, probably the seller, and a closing agent. The closing agent will have a stack of papers for you and the seller to sign. While he or she will give you a basic explanation of each paper, you may want to take the time to read each one and/or consult with your agent to make sure you know exactly what you're signing. After all, this is a large amount of money you're committing to pay for a lot of years! Before you go to closing, your lender is required to give you a booklet explaining the closing costs, a "good faith estimate" of how much cash you'll have to supply at closing, and a list of documents you'll need at closing. If you don't get those items, be sure to call your lender BEFORE you go to closing. Be sure to read our booklet on settlement costs. It will help you understand your rights in the process. Don't hesitate to ask questions.

Plano Homes gives tips for Thanksgiving

2010-11-23T09:53:00.001-06:00

Plano Homes presents tips for Thanksgiving.The day after thanksgiving is typically one of the busiest days to be a plumber. Roto-Rooter has some awesome tips that can save you from having to call a plumber this black Friday with a clogged drain or a busted pipe.

Turkey Day Tips from Nation's Top Plumbing and Drain Service Specialist

Roto-Rooter braces for their busiest time of year
CINCINNATI, Nov. 15, 2010 /PRNewswire/ -- The day after Thanksgiving is the single busiest of the year for Roto-Rooter's residential plumbers. Big holiday meal preparation and cleanup can lead to a lot of unwanted waste in the kitchen drain and garbage disposal. Also, a house full of holiday guests who require additional clothes washing, showers and toilet flushes puts a strain on household plumbing.
"Often, the case is that a house already has partially clogged drains that go unnoticed, until holiday guests arrive and overwhelm the system," Paul Abrams Roto-Rooter representative said. Hectic houses full of people and frantic hosts quickly and easily lead to plumbing problems throughout the holiday season.
"Even more problematic is that virtually every traditional Thanksgiving dish is a supreme drain clog culprit," Abrams continued.
Incoming calls to Roto-Rooter, for kitchen jobs alone, will jump 50% above the average Friday. The four-day Thanksgivingweekend averages a 21% increase over any other Thursday through Sunday period during the year. Roto-Rooter is prepared with additional staff to address the increase in calls and jobs, saving consumers from long waits with guests in the house and outrageous holiday service charges.
Thanksgiving hosts can avoid a visit from their plumber over the holiday weekend by following these clog-preventing tips:
Never pour fats or cooking oils down drains. They solidify in pipes. Instead, wipe grease from pots with paper towels and throw in trash.

Avoid putting stringy, fibrous or starchy waste in the garbage disposal. Poultry skins, celery, fruit & potato peels, for example, cannot be sufficiently broken down.

Make sure the disposal is running when you put food into it. Don't wait until it's full to turn it on.

For homes hosting weekend guests, it's a good idea to wait ten minutes between showers so slow drains have time to do their job.

Never flush cotton balls, swabs, hair or facial scrub pads down a toilet. They don't dissolve and will cause clogs.

Try to address any plumbing problems before the holiday and before guests arrive. However, in holiday emergencies, don't hesitate to ask up front about extra holiday service fees.

As always, know your limits. Often, minor plumbing problems turn into plumbing catastrophes if not handled properly.

About Roto-Rooter
Roto-Rooter was established in 1935 and operates businesses in 117 company-owned territories and 500 independent franchise territories serving approximately 91 percent of the U.S. population and 55% of the Canadian population. For more information, please visit www.rotorooter.com or follow them on Facebook.

Plano Home Prices Still Holding Steady

2010-11-22T16:37:00.000-06:00

Corelogic released it's latest report on Friday and while it show continued downward pressure on home prices in many areas, the DFW and Plano area are still showing flat to slightly lower prices. The 12 month Home Price Index for the DFW-Plano-Irving area shows a -1.25% decrease when adjusted for distressed properties. When foreclosures and other types of distressed sales are taken out of the equation the index shows a gain of .33%.

As a state, Texas is in better shape than most of the country as well. Texas ranks 12th in terms of states with the best 12 month HPI scores. The five states showing the greatest depreciation were Idaho (-14.04%), Alabama (-8.9%), Mississippi (-8.3%), Florida (-7.68%) and New Mexico (-7.47%). The mean was -2.81%. and the average was -2.79%.

The State of Texas, DFW metroplex, and the Plano area in general continue to show a balance in pricing. September's index is the first negative index for Texas this year.

Plano Homes : Tips to get your home ready for winter

2010-11-16T15:25:00.000-06:00

Plano Homes presents easy tips to get your home ready for the winter. The winter is fast approaching. Leaves are changing colors and falling off tress as the temperature starts to dip lower and lower. For most of us that means dragging down the winter jackets and warm sweaters from the top shelf and replacing them with the bathing suits and shorts we wore all summer. It is not just your wardrobe that needs preparing for the winter though. Right now is an important time to get your house ready to face the harsh elements winter brings with it. Nobody wants to come home on that first 32 degree night to find a house with a broken heater or windows letting cold drafts in. I have found a great article that gives some wonderful suggestions every homeowner can use to prepare their home for the winter. To check the article out go to Plano Homes: Tips for winter. If you know any tips that aren't in the article please feel free to share them in our comments section so all our readers can benefit from each others knowledge.

Plano Homes Remodeling Tips

2010-11-15T11:11:00.001-06:00

Anyone who has ever had to pay for a new air conditioner or fresh coat of paint for their home knows the bills can add up quickly. A major home renovation can quickly and easily start to add up well into the thousands of dollars. There are however certain thing you can do to save some money on your next project. CNN and Money magazine have put together an article with great tips for all homeowners. To check the article out go to Plano Homes Remodel Tips. And as always if you have any advice that might help our fellow readers please feel free to leave it in the comments section below.

Thinking of Buying a Foreclosure? READ THIS FIRST!!!!

2010-11-12T14:52:00.000-06:00

Thinking of buying a home through foreclosure? Then you need to be aware of all the facts. Most people assume that a foreclosure is the BEST way to get a “deal” in todays real estate market. And while in some cases this is a correct assumption, a lot of times a foreclosure can become a hassle not worth the money you thought you were saving. I have found an awesome article, actually Amber Boyd of Keller Williams Rockwall found the article, that busts 5 of the most common myths of buying a foreclosure. Check the article out at Plano Homes 5 Foreclosure Myths Busted. If you have had any experience in buying a foreclosure we would love for you to share your story in the comments section below.

Plano Area will Lead in Growth

2010-11-10T12:57:00.000-06:00

IHS Global Insight released a report today that shows Texas will lead the nation in job growth in the years to come. They estimate that Texas will expand job growth by 1.8% next year which will tie them with Nebraska for the number one spot among states. Because the Plano area is one of the leading job growth areas in the state, Plano and the surrounding communities will certainly be leaders in the job growth market. This bodes well for Plano home values and Plano real estate.

The report does caution that the recovery from this past recession will be a slow and lingering process. Unemployment numbers are expected to be above historical averages for some time to come. IHS Global expects the state jobless rate in Texas to remain above 6% for the next 4-5 years. This would translate to a Plano area jobless rate in the 5s.

Texas has regained some 145,000 of the more than 350,000 jobs lost last year. It is expected that the Plano area will continue to be one of the states top job growth areas.

Jim Diffley of IHS Global also pointed out that Texas is expected to one of four states that will reach pre-crisis payroll levels by the end of next year. He maintains that Texas leads the nation in may factors.

Delinquincies on Mortgages Continue to Decrease

2010-11-02T14:51:00.000-05:00

Fannie Mae has released new numbers that show a continued fall in the amount of seriously delinquent mortgages across the country. Rates for Plano homes continue to be below the national averages and the foreclosure rate for the area continues to improve. Fannie's latest number for seriously delinquent mortgages fell to 4.70 from a high of 5.59 in February of this year and is now the lowest percentage since September of 2009.

TransUnion credit also reports that the rolling rate ( the payments on mortgages that rolled from 30 days past due to 60 days past due and the number of 60 day past dues that rolled to 90 days past due) peaked in July of 2009. All of these numbers are supportive of a slowly improving economy.

The interesting note is that mortgages that had a line of credit or home equity loan attached actually showed a worse rate of delinquency than those that did not. Conventional wisdom used to consider a line of credit as a strength ( a buyer with deeper pockets). Those lines of credits are now showing these borrowers as weaker than those that do not have them.

In further news Fitch Ratings estimates that the "Shadow Inventory" may take 40 months to liquidate at current offtake rates. This shadow inventory will most heavily affect California, Nevada, Arizona, Florida and Michigan.

Plano area foreclosure rates continue to be more manageable than the harder hit areas of the country.

Plano Homes in Foreclosure Remain Low

2010-10-28T14:59:00.001-05:00

The third quarter statistics for Plano real estate and other Collin County communities show that foreclosures are a small part of the market. Plano Foreclosures represent only 5.2% of the total available market. The table below shows the most current information:

Total Inventory Foreclosures    % of inventory

Plano    1433 75    5.2%
Frisco 1372                             98                          7.1%
Allen    513 33    6.4%
McKinney      967                             66                          6.8%

Foreclosure inventory is down about 19.7 % from a year ago. In the same period the traditional market inventory has declined by 10.7%. Demand for homes has been lower this year but the supply of available homes has declined at about the same rate as the demand. This leaves us in a fairly stable market. Certain price points are more sensitive to pressure from foreclosures than other price points. Of the total 1187 foreclosures available in the DFW real estate market the price point breakdown looks like the following:

Price Point    Available Inventory        Change vs. 10/2009
Up to $149,999    678                                  -23%
$150,000 to $199,999    179                                  -7.3%
$200,000 to $299,999                                    144                                -20.9%
$300,000 to $499,999    99        -34.4%
$500,000 and above                                         87                                +20.8%

Source NTREIS

Plano Area Economy is Improving

2010-10-25T16:06:00.001-05:00

Don't look now but the local North Dallas economy is looking better. No one wants to talk about it but the signs are there. The local unemployment rate is now in the 7.9% area. The state as a whole added 154,000 non government jobs for a 1.8% increase.

What this means is that we are continuing to recover although we must be aware that the improvement will be slow. Consumers represent about 70% of the GDP so we need to see further improvement in the employment numbers to get things really rolling along. What this means for Plano Real Estate is that prices will likely remain firm at current levels and that we will see improvement in demand for homes.

Plano Area Home Sale Data for September

2010-10-20T15:09:00.002-05:00

Plano area home sales were down in September according to the latest multiple listing service data. For the month of September we have sales as follows:
                              Sales       Change from 09/09 Median Price Avg. Price
Plano 206                -27.2%                   $214,450            $254,608
Frisco    154    -43.0%                   $236,000            $281,332
Allen                       73                -37.1%                   $192,450            $221,372
McKinney             142              -20.7%                   $192,950            $229,760
Richardson    74    -21.3%    $155,000            $171,859

The lower numbers reflect the fact that there is no first time homeowner tax credit for 2010 as there was in 2009. We expect the numbers to remain below 2009 levels through November. The table below shows the price point breakdown for sold homes.

0-120,000 120-200,000 200-400,000              400,000 +

Plano                      13%                        33%                 41.6%                 11.5%
Frisco                     1.9%                       30%                 55%                    12.7%
Allen                      10.9%                     42.5%              42.4%                  4.1%
McKinney              6.3%                       45.2%              40.2%    8.5%
Richardson             29.2%                     41.0%              38.5                     1.4%

Kitchen Remodels in Plano Homes are Going Green

2010-10-20T13:59:00.000-05:00

I saw this article in my daily reads.

Kitchen Remodeling: Six Steps to a Green Kitchen

By Stephanie Andre

RISMEDIA, October 1, 2010--While the "green" movement may have slowed down slightly, similar to the economy, it is still alive and well.

More homeowners are opting to stay in their current homes, and many of them are turning to eco-friendly products and contractors for a variety of reasons: some are environmentally conscious while others have allergies or are chemically sensitive.

Whatever the reason for remodeling, almost everyone agrees that lowering their energy consumption and their electricity and water bills is important.

KitchenRemodeling.net offers six ways people can make their homes greener when kitchen remodeling.

1. Choose energy-efficient appliances. When purchasing a new refrigerator, dishwasher or other appliances, choose ones that are certified energy efficient. Use the water and energy-saving settings as often as possible. Plus, some states offer rebates for homeowners who use energy-efficient models.

2. Install energy-efficient lighting. When working on the kitchen remodel design in their new space, homeowners can increase their natural light to cut down on the need for electricity. But some bulbs will be needed. Choose fixtures that are compatible with compact fluorescents (CFLs), which save 75% of the electricity that incandescent bulbs use. These are slightly higher in initial price but last eight times as long and will significantly cut down on energy bills.

3. Purchase green kitchen cupboards and cabinets. There are more eco-friendly kitchen cupboards and cabinets available today than ever before. These are constructed of rapidly renewable resources or recycled materials. People remodeling their kitchen should ask their contractor about wheatboard, bamboo and other green cabinet products. Additionally, they should inquire about water-based adhesives and finishes.

4. Choose green products when kitchen remodeling. For flooring, cork is highly durable, comfortable and an excellent insulator of sound and heat. Cork is also hypoallergenic and environmentally friendly. Concrete is excellent for flooring, countertops and other areas because it does not have harmful fumes, glues or laminates. For countertops and backsplashes, homeowners can choose from a variety of durable and attractive eco-friendly options, such as vertrazzo and recycled glass tiles.

5. Remodel with hypoallergenic materials. These materials are not toxic, like some building materials, and will not lead to harmful indoor air quality. Homeowners should look for low-toxicity finishes and surfaces, and water-based adhesives and finishes without synthetic formaldehyde resins. Paints should have low-VOC or no-VOC (volatile organic compounds).

6. Choose green kitchen remodeling contractors. When a homeowner is getting quotes from contractors, they should inquire about their products and building methods to ensure they are eco-friendly. Increasingly, contractors are becoming more conscious of their materials and methods and will be able to meet a homeowner's needs.

New Home Inventories down in Plano and other communities

2010-10-13T09:27:00.000-05:00

The inventory of new homes available for sale in Plano and the surrounding DFW area is at the lowest level since 1999. New home builders had an available inventory of about 4100 homes at the end of the quarter. This is down sharply from the 2006 levels when building was at its high and is considerably lower than 2009. The inventories in 2009 were allowed to rise due to the first time homeowner tax credits.

Demand for new homes is the strongest for homes price at $200,000 and below. Economists for the National Association for business economics believe that home prices have seen the bottom in most markets and that we will see a gradual improvement in both prices and offtake. The association thinks that home prices will increase about 1.2% in 2011, but the increase may lag broader measures of inflation.

The Dallas Fort Worth Metroplex will be one of the leaders in the recovery. Plano real estate prices have remained fairly steady in spite of the weak national economy. Area unemployment remains lower than the national average and the general condition of the Plano economy continues to be relatively healthy.

Plano Homes finally see some relief from the heat

2010-09-30T11:37:00.000-05:00

Plano homes are seeing the first signs of fall this week with a break from the seemingly endless days of 100 degree highs. Area lakes were below the normal levels until a break in the weather this month brought the rain that was needed to raise the water levels. With the cooler weather comes an abundance of people getting out to enjoy the community. Fall is also a great time to bring color to the yard and patio. Some great suggestions on what to add can be found at Plano home tips for Fall

Plano homes will benefit from preventative maintenence

2010-09-29T10:36:00.000-05:00

Now that the weather has turned a little cooler in Plano we need to think about making sure that our biggest investment stays in good condition. This is a great time of year to do some preventative maintenance around the house. The list below will provide Plano homeowners with the fundamental items that you can do without hiring a professional. click here for more information on Plano real estate.

Exterior
-Remove leaves and debris from gutters and downspouts.
-Pressure-wash wood siding to prevent mold.
-Check the exterior paint for bare spots.
-Inspect and replace exterior caulk.
-Check window and door sills for leaks and caulk where necessary.
-Clean air conditioning unit.
-Check the foundation.
-Trim trees and bushes.
-Check the sprinkler system.
-Check all decks for loose boards, railings, and stairs.
-Inspect the condition of the roof.
-Check window screens.
-Check fences and gates.
-Check the automatic garage door opener.
-Examine the septic system for flooding or unusual odor.
-Check the latches on storm windows.
-Inspect the grading around the house to make sure water drains away from the house on all sides.
-Check outside walls for termite tubes and damaged wood.
Kitchen
-Clean and seal tile and grout.
-Check and fix leaky faucets.
Bathroom
-Clean and seal tile and grout.
-Make sure all toilets are properly secured to the floor.
-Check and fix leaky faucets and toilets.
Attic
-Check the attic for signs of moisture (i.e., water stains on the underside of the roof sheathing).
-Check all wooden materials for mildew and rot.
-Look for indications of a pest infestation.
Miscellaneous Interior
-Clean out ashes from the fireplace.
-Replace the batteries in your smoke detectors.
-Replace batteries in clocks.
-Clean furnace ducts.
-Change furnace filters.
-Check the main electrical panel for rust and/or water marks.
-Test circuit breakers.
-Inspect fire extinguisher.
-Check walls for condensation and mildew

This list is courtesy of RISmedia.

Plano Homes and home tips for the Kitchen

2010-09-29T09:16:00.000-05:00

I saw this on the Lowes site this morning. Great idea on keeping things clean without all the fancy products. You can get more great information on Plano homes, just click.
Every mom wants a clean kitchen, but many never stop to consider how pricey the products they're using can be. With this in mind, Danger offers up DIY kitchen-cleaning tips that are not only green, but cost effective:

* Cutting boards are a frequently used kitchen item. To clean them naturally, wipe with vinegar and microwave on high for one minute.
* To combat grimy sponges, soak with white vinegar and microwave on high for one minute.
* Remove stuck-on food from pots and pans by making a paste with water and meat tenderizer to coat the area. Allow the paste to sit for a few minutes, then scrub off and rinse.

Gardens don't have to be a luxury reserved for those with green thumbs and ample space. Follow these tips for creating and maintaining a garden that suites your location and needs:

* For windowsill gardens, the most basic thing to start with is herbs. Choose easy plants that you'll use frequently while cooking, such as basil, oregano and parsley.
* If you have a patio or deck, try container gardening. The portability of the containers allows you to adjust plants to receive their optimal amount of sun exposure.
* Grow plants that are the most expensive to purchase in grocery stores.

Who says gifts have to cost a lot of money? Homemade gifts are a thoughtful way to show you care, without breaking the bank. Here are a few ideas:

* Use copies of your favorite handwritten recipe cards to create a personalized cookbook.
* Make a "25 Things I Love About You" book for someone special.
* For kids who love to dress up, fill a large tote with items such as hats, wigs, shoes and accessories that you've purchased from thrift stores and clearance racks.

Plano Real Estate Prices Off Slightly

2010-09-28T11:31:00.000-05:00

According to the Case Shiller Study just released, prices for Plano real estate and other surrounding communities have declined slightly from August of 2009. We have had eight consecutive months of increase and prices are still ahead of June 2010 by about .9 percent.

In the second quarter however prices for Plano real estate increased 2% and the median price of a home in Plano was $217,000.00. For specific information about Plano homes and Plano real estate information, click the link.

Nationwide prices were up about 3.2 percent, but we need to look at the long term affect of the market to get a clear picture of what is happening locally. The market here in Plano is very steady. All of the northern suburbs including Plano, Richardson, Allen, Frisco and McKinney are seeing steady home prices in the lower and medium price points. We are probably not not going to see the prices of early 2007 for some time but we will see home prices in Plano and other areas improving steadily over the next year. We invite you to search for Plano real estate and find your next home.

Plano, Allen, Frisco, McKinney home prices all up versus last year

2010-08-25T13:11:00.000-05:00

Home prices in the Dallas and North Dallas suburbs of Plano, Allen, McKinney and Frisco all increased. The average for the Dallas area was 3.47% as opposed to a national average of -1.5%. Median prices in Plano increase 1% while Allen was up 2%. McKinney was also up 1% with Frisco showing a3% increase in median price. Sales in Allen were up 16% in the second quarter over last year. Plano sales were up 2%, McKinney up 7% and Frisco up 6%.

To view the area map by territory click here.

Watch your cell phone usage in Plano school zones

2010-08-23T10:06:00.000-05:00

Plano schools begin Monday, August 23, 2010. Plano Police Officers will be heavily enforcing school zones, crosswalks and speed limits to assure a safe commute to school. Drivers caught using cell phones or other handheld devices in school zones may face up to a $200 fine. For the children’s protection allow extra commute time, drive posted speeds, observe crossing guard and school zone signage directives.

Where do Plano home sales go from here

2010-08-23T09:58:00.002-05:00

The data for the MLS area of Plano is mixed at best. New home sales for the month of July were 250 units which was of by 26% from a year earlier. Dollar volume was also off 25%. Average price for homes was $267,795 which was up 1% from a year earlier. And the median price was $240,000 which was 8% higher.

Year to date data is more encouraging but we need to be careful about a trend reversal. Sales year to date were 1613 which was down only 4% and the dollar volume followed suit. Average price was unchanged at $263,209 and the median price was up 2% at $220,000.

August and September numbers will tell us more but the market has a somewhat soft feel to it. I do think we will see better numbers in September and through the rest of the year.

                                                   July                                            Year to Date
Sales                                          250                                                    1613
Pending Sales                          224                                                    1850
Average Price                        $260,242                                            $256,246
Average Days on Market             71                                                        77
Total Single Family inventory    1453

Tips on keeping homes in Plano, Frisco and Allen more Eco-Friendly

2010-08-16T09:12:00.000-05:00

I saw this in Rismedia over the weekend

Easy Ways to Make Your Home More Eco-Friendly

By Paige Tepping

RISMEDIA, August 14, 2010--Homeowners across the country are continually striving toward a more eco-friendly lifestyle. While homeowners may not know where to start, there are small steps that can be taken that can add up to make a big difference.

The experts at OurGreenerLife.com offer the following tips to help you lessen your eco footprint.

1. Use less water
Saving water is all about small steps. Here are a few simple ways that will help you conserve water while saving money.
-Shut off the water while you brush your teeth
-Take showers that are a minute or two shorter
-Only run full loads of laundry and dishes
-Buy from sustainable producers. These are farmers, ranchers and other producers that use techniques that pollute less and use less water. You can do some research online or ask at your local organic market to find these products.

2. Use less energy
If you don’t have the money to buy a hybrid car or convert your house to solar power, you can make a big difference with the following small changes.
-Buy energy efficient appliances. They may be more expensive, but make up for the increased cost in lower energy bills.
-Unplug chargers when you’re not using them. Cell phone and other chargers use up power even if there’s nothing attached to them.
-Put devices with remotes, like TVs, VCRs and stereos on a power strip and turn the power strip off when you’re not using the devices. These gadgets use a lot of power to run the remote receiver even when the device is off.
-Walk or ride your bicycle for short trips.
-Buy local products. It takes energy to transport food and other products across the country. Buying local not only supports your local economy, it helps them use less energy.
-When it comes to saving energy and water, it’s a great idea to get the kids involved—you can even make it a game. Have them track how much water and electricity everyone is using and compete to see who uses the least.

3. Reuse
Most of us know the three R’s: reduce, reuse, recycle, but when we work on conserving, we often leave reuse out of the picture. While you can often find tips on how to reuse common products from other people, what you need most is creativity. With a little thought, there are many items around your home that can be reused—toilet paper holders can be used to sow seeds for the vegetable patch, old yogurt containers can be cut into strips to make plant labels and old food jars can be refilled with homemade foods or can make great impromptu vases.

4. Use environmentally friendly products
When you go to the grocery store, you probably see more and more ‘natural’ or ‘eco friendly’ products every time. There are generally two big problems with these products: Just because they’re more natural than regular products, doesn’t mean they’re entirely natural and they’re often expensive.

If you want inexpensive, natural, safe products, why not just make them yourself? Vinegar is a great way to clean and disinfect glass and other surfaces. Need to remove stubborn stains? Just add some baking soda to your vinegar cleaner. Some quick searching online will lead you to hundreds of other natural safe home-made cleaning products.

Dallas Area home sales continue to show improvement

2010-08-06T14:13:00.000-05:00

This was released by the Texas Association of Realtors today.

Sales volume of Texas homes up for third quarter in a row

According to the latest Texas Quarterly Housing Report, covering second quarter 2010, the volume of real estate sales in Texas increased for the third quarter in a row, possibly spurred by renewed job growth in the state and the expiration of federal homebuyer tax credits.

The Texas Quarterly Housing Report is issued four times a year by the Texas Association of REALTORS® with multiple listing service (MLS) data compiled and analyzed by the Real Estate Center at Texas A&M University.

For the period of April through June 2010, sales of existing single-family homes increased 14% to 66,079 compared to the same quarter of the prior year. Over the same time period, the median price of homes in Texas remained virtually unchanged at $149,200. The months of inventory of Texas homes – a statistic that indicates the balance between supply and demand for homes – increased slightly from 7.3 months in 2009-Q2 to 7.4 in 2010-Q2.

Bill Jones, chairman of the Texas Association of REALTORS®, commented on the positive results. ”We’re encouraged to see continued strength in Texas’ real estate market as 2010 marches forward,” says Jones. “We’re now focused on maintaining that strength and expanding access to affordable, sustainable homeownership in Texas.”

To do so, the Texas Association of REALTORS® launched TxHomePrograms.org, a searchable online database of homebuyer assistance programs. In addition, Texas REALTORS®are partnering with local lenders, housing counselors, and others throughout the state to host educational events for consumers about affordable housing.

Jim Gaines, Ph.D., an economist with the Real Estate Center at Texas A&M University, says the robust second-quarter numbers were “spurred by particularly heavy volume in April and May. However, the federal tax credits for homebuyers expired on April 30 and sales volume decreased between May and June. It’s possible the tax credit deadline inspired buyers to move up purchasing decisions, so we may have seen our usual ‘summer peak’ in sales volume a little early this year.”

Clean your drains the easy way

2010-07-28T11:04:00.002-05:00

Have you ever needed to get under the sink to clean out a clogged or odorous p-trap? I sure have and frankly it is not a fun job.

I saw this device on the morning show and I will be ordering one for every sink in our house. CHECK THIS OUT!

To see this in action watch the video below.

North Texas Home Prices Rise - Plano, Allen, Frisco and McKinney all show increases

2010-07-27T11:20:00.002-05:00

Dallas-area home prices rise 2.9% in new report

09:43 AM CDT on Tuesday, July 27, 2010

By STEVE BROWN / The Dallas Morning News
Dallas-area home prices continued to post modest gains in the latest Standard & Poor’s/Case-Shiller Home Price Index.

Also Online

Foreclosures map:

Map: Dallas-area pre-owned home sales and prices

Map: U.S. home prices

Link: Making Home Affordable

Dallas had a 2.9 percent rise in prices in May from a year earlier in the new report released Tuesday.
While a solid increase, the Dallas-area increase in prices is less than the overall 4.6 percent average price rise recorded in the 20 cities Case-Shiller tracks.
But the national average is skewed by recent big price increases in some California markets that have seen dramatic drops in recent years.
San Francisco home prices rose by more than 18 percent in May from a year earlier. And prices were up 12.4 percent in San Diego and 9.7 percent in the Lo Angeles area.
Seven of the cities Case-Shiller tracks are still showing year-over-year declines. The largest price decreases were in Las Vegas, down 6.5 percent, and Charlotte, N.C., down 2.8 percent.
Case-Shiller analysts remain cautious.
“While May’s report on it’s own looks somewhat positive, a broader look at home price levels over the past year still do not indicate that the housing market is in any form of a sustained recovery,” S&P’s David Blitzer said in the report. “It still looks possible that the housing market might bounce along the bottom for the foreseeable future, before showing any real improvement that will filter through to the rest of the economy.”
May was the seventh consecutive month of year-over-year Dallas-area home price increase in the Case-Shiller index.
Local prices are still about 5 percent below where they were at the peak of the market in June 2007. But prices here have rebound by more than 6 percent from February 2009.
To measure prices, Case-Shiller looks at the actual value of specific single-family homes over time. The index does not include condominiums and townhouses. It only covers pre-owned properties – no new construction.
The latest home price data based on North Texas home sales shows that pre-owned home prices are up about 2 percent from the first six months of 2009.

S&P CASE-SHILLER HOME PRICE INDEX

Percentage change in home prices in May 2010 compared to year earlier in each market.
Atlanta	+1.7%
Boston	+4.8%
Charlotte	-2.8%
Chicago	-1.5%
Cleveland	+3.7%
Dallas	+2.9%
Denver	+3.6%
Detroit	-2.5%
Las Vegas	-6.5%
Los Angeles	+9.7%
Miami	+1.2%
Minneapolis	+11.6%
New York	-0.4%
Phoenix	+7.2%
Portland	-0.7%
San Diego	+12.4%
San Francisco	+18.3%
Seattle	-1.4%
Tampa	-1.5%
Washington	+7.4%
Composite-20 city	+4.6%
SOURCE: Standard & Poor's

Tips on Saving Money in your Plano home

2010-07-27T10:32:00.002-05:00

I found this on Lifehacker. It has some good tips. You can find a larger view at the quicken blog.

You've heard a few of these household tips, here and elsewhere—install a programmable thermostat, switch to fluorescent, stop energy vampires. Visualized and tabulated for yearly savings, though, those small changes seem much more appealing.
Quicken's personal finance blog has a big-view graphic up that illustrates the monthly and yearly savings of all the small changes you can make for yourself, your wallet, and the planet. Take a gander at a larger view here, and click for an even larger image at Quicken's blog:

Clean your grill and keep it in top condition

2010-07-20T10:18:00.000-05:00

Got this today from Lowes.

There is much debate as to which type of grill cooks better: Charcoal or gas. But one thing they have in common is how easy they are to clean. To maintain a gas or a charcoal grill all you need is a rag, a wire brush and some cooking oil.

Routine Maintenance
Routine brushing of the grates prevents food and bacterial buildup. A brass wire brush is best for clearing and cleaning off surfaces. After each use, wash and soak your brush in hot soapy water. Then hang dry it with the brush upside down on a grill hanger. Drying the brush naturally ensures the bristles will last a long time. After your brush is dry, keep it indoors to reduce weather exposure to the bristles.

After you've brushed down your grill and the grates are at a cool temperature, spray it down with some cooking oil. This prevents your grill from rusting and ensures a long life. If you don't have cooking spray, another option is to pour some oil on your rag and wipe down the cast iron grates.

Cleaning the burners is also important as burners can accumulate grease and food, leading to uneven temperatures along your surface. After the burners have cooled, scrub with a wire brush evenly and clean around the ports to ensure food and grease have not amassed.

Cleaning out grease traps is important because grease is highly flammable and can cause a fire or heat up all surfaces, including the handles.

For charcoal grills, it's important to dump all used charcoal or ash after each use. After dumping out the remains, clean the insides with a wire brush. Ash catchers also need to be cleaned. By keeping the bed of your grill clean, you'll cut down on excess smoke and bad flavors.

Semi-Annual Cleaning
Several times throughout the year, it's smart to dismantle your grill and give it an extensive cleaning. If you have a gas grill, disconnect the propane tank before beginning the process. Then, soak the grates in soapy water and scrub. If the racks are especially dirty, you can use a steel wool pad. After cleaning your grill, turn it on and let it cook for 10 minutes. This will allow any residual cleaning supplies to burn off.

It's also a good idea to check the chassis for rust. Rust easily comes off with a stiff wire brush or a steel wool pad. The joints, connectors and fasteners should also be inspected to ensure they aren't corroding. And re-tightening fasteners, replacing grill appendages (wheels, knobs and handles) and checking hinges is a good idea.

Polishing Your Grill
To polish your grill, sprinkle some baking soda on a sponge and clean off all exterior surfaces. Aluminum foil gently rubbed along your grill can help remove grime and buildup. If you notice any missing paint, grill-safe paint is a good option.

You can conduct your own Energy Audit

2010-07-20T10:09:00.000-05:00

I saw this article on homelogic today. Great information for the energy conscious homeowner.
by: Jane Hodges

Self-starters don’t necessarily need a pro to assess their home’s energy deficiencies. With a little elbow grease and one of several free do-it-yourself guides to home energy auditing, you can get a good sense of where your home is leaking hot and cool air, and how your choice of appliances and your energy use contributes to energy loss.

What you’ll save on fixes

By following up on problems, you can lower energy bills by 5% to 30% annually, according to the U.S. Department of Energy’s office of Energy Efficiency and Renewable Energy. With annual energy bills averaging $2,200, according to Energy Star, investing in fixes or energy-efficient replacement products could save you up to $660 within a year.
And self-audits can cost virtually nothing if you already own a flashlight, ladder, measuring stick, candles, eye protection, work clothes, dust mask, and a screwdriver—or roughly $150 if you’re starting from scratch. As for time commitment, expect to spend two to four hours to investigate home systems, refer to utility bills, and conduct research about local norms for products, such as insulation, say experts.

Types of DIY audits

Since there are a variety of ways to conduct a do-it-yourself audit, you’ll need to know your tolerance for the tasks involved.
Some require you play home inspector, climbing into attics and crawlspaces on fact-finding missions and delving into unfinished portions of your home to look at duct work. Questionnaire-based audits rely the assumption that you can answer such questions as how many gallons of water your toilet tank holds to the R-value (thickness) of insulation in your home.
If you don’t have time to familiarize yourself with your home’s systems or confidence about diagnosing problems, are disabled, are squeamish on ladders and in crawlspaces, or are already planning to invest in a major remodel, you may benefit from hiring a pro.
Even homeowners who complete a self-audit often hire a professional to double-check their diagnoses. A self-audit may reveal drafts but not their exact source, such as ducts or insulation, for instance. Because the costs to address a draft can range from minor to major, investing in a paid audit may be justifiable.

What should you check?

All the home systems and appliances that contribute to energy costs. Here’s the breakdown of a typical home’s energy usage that Energy Star references:

Heating (29%)
Cooling (17%)
Water heating (14%)
Appliances (13%)
Lighting (12%)
Computers and electronics (4%)
Other (11%)

Self-audits hone in on details pros may not

While the pros use special equipment to focus on hard-to-research aspects of a home’s building envelope and indoor air circulation, DIY audits can teach you—based on the questions they ask—to identify and address the numerous small ways in which your home wastes energy.
Since lighting, electronics, and appliances collectively account for nearly 30% of the average home’s energy costs, you can make an impact on your bills by replacing old appliances with energy-efficient replacements and simple fixes—plugging appliances into power strips versus wall outlets, making sure refrigerator doors are properly sealed and don’t leak air, and opting for a programmable thermostat.

How to spot common energy leaks

1. Check your home’s exterior envelope—the windows, doors, walls, and roof exposed to outdoor air. Hold a candle or stick of incense near windows, doors, electrical outlets, range hoods, plumbing and ceiling fixtures, attic hatches, and ceiling fans in bathrooms. When smoke blows, you’ve got a draft from a source that may need caulking, sealant, weather stripping, or insulation.
2. Check insulation R-value or thickness. Where insulation is exposed (in an attic, unfinished basement, or around ducts, water heaters, and appliances), use a ruler to measure, recommends the DOE. Compare your results against those suggested for your region via an insulation calculator.
Although examining in-wall insulation is difficult, you can remove electrical outlet covers, turn off electricity, and probe inside the wall, the DOE notes in its DIY audit guide. However, only a professional’s thermographic scan can reveal if insulation coverage is consistent within a wall. Insulation can settle or may not be uniformly installed.
3. Look for stains on insulation. These often indicate air leaks from a hole behind the insulation, such as a duct hole or crack in an exterior wall.
4. Inspect exposed ducts. They may not work efficiently if they’re dirty, have small holes, or if they pass through unfinished portions of the home and aren’t insulated. Look for obvious holes and whether intersections of duct pipe are joined correctly. Since ducts are typically made out of thin metal that easily conducts heat, uninsulated or poorly insulated ducts in unconditioned spaces can lose 10% to 30% of the energy used to heat and cool your home, says DOE.

When should a professional make repairs?

The DOE recommends calling a contractor before insulating ducts in basements or crawlspaces, as doing so will make these spaces cooler and could impact other home systems, such as water pipes. Plus, these ducts might release noxious air. DOE also recommends you hire professionals to clean ducts periodically. If you’ve noticed that some rooms get disproportionately hot or cold, bring that to a pro’s attention. It could be duct related.

In addition, some DIY audits—like the City of Seattle’s free online audit guide

A self-audit, like a paid audit, serves as a jumping-off point to help you set priorities for making your home more efficient. Whether or not you choose to make repairs yourself, one thing’s for sure: You’ll come away knowing more about your home’s strengths and weaknesses than you did before.
Jane Hodges has written about real estate for more than half of her 16-year journalism career, for publications including MSNBC.com, Seattle Magazine, The Seattle Times, and The Wall Street Journal. In 2007 she won a Bivins Fellowship from the National Association of Real Estate Editors to pursue a book on women and real estate. Her work has also appeared in The New York Times, CBS’s BNET, and Fortune. She lives in Seattle in a 1966 raised rancher with an excellent retro granite fireplace. Latest home project: remodeling a basement bathroom.

Change Your Air Filters

2010-07-07T14:31:00.000-05:00

Today is the seventh of July. Make sure to perform your monthly air filter change. Check out Lowes for a rebate on Filtrete filters through July 31st.

Lowes Air Filters

The Newest Real Estate Numbers for The Dallas Area

2010-03-21T11:21:00.003-05:00

New Listings 26
Price Changes 18
Expireds 101
Closed 3
Pending 19
Active contingent 2
Back on Market 19
Leased 6
Extended 27
Temporary off market 2
Active option contract 1

How unemployment has affected us in the USA

2009-11-24T11:23:00.002-06:00

Take a look at this graphical chart and see how dramatic the change in unemployment had been in the last two years. Click here to view the chart!

2009-11-16T14:20:00.002-06:00

Pending sales remain strong for Collin County property. The Dallas suburbs of Collin County Texas remain strong when compared to both the national numbers an other local Dallas Metroplex numbers. Richardson continues to lead the pack with a 31% pending ratio. This represents a 6% increase over the same month last yea. Plano had a 7% increase while Allen showed a whopping 11% increase. McKinney weighed in at a 9% increase and Frisco came in at 8%. These numbers show the general recovery of the local real estate market in the far north Dallas Metroplex. While some of the increase can be attributed to the first time homebuyer tax credits the market in general is in a recovery mode. Chart Key P.S. = pending sales N.L. = new listings List = total listings M.I. = months of inventory P.R. = Pending Ratio (pending sales/Listings) %ch = percentage change vs last year P.S. %ch N.L. %ch List %ch M.I. %ch P.R

Plano	193	29%	361	6%	999	-18%	4.3	6%	19.32%
Richardson	73	26%	122	12%	230	-31%	2.9	-23%	31.74%
Allen	85	29%	126	-2%	336	-28%	3.6	-14%	25.30%
McKinney	142	34%	246	0%	739	-31%	4.7	-24%	19.22%
Frisco	203	34%	320	-5%	1093	-26%	4.7	-22%	18.57%

Third Quarter Home Sales Surge

2009-11-16T13:45:00.002-06:00

I just saw this article on Rismedia. It is very interesting.

^[1]RISMEDIA, November 16, 2009—Most states continued to experience rising existing-home sales in the third quarter 2009, with prices moderating in many metro areas, according to the latest survey by the National Association of Realtors®. Total state existing-home sales, including single-family and condo, increased 11.4% to a seasonally adjusted annual rate of 5.30 million units in the third quarter from 4.76 million units in the second quarter, and are now 5.9% above the 5.01 million-unit pace in the third quarter of 2008. Sales increased from the second quarter in 45 states and the District of Columbia; 28 states and D.C. saw double-digit gains. Year-over-year sales were higher in 32 states and D.C.

Lawrence Yun, NAR chief economist, said the tax credit is a significant factor. “We can’t underestimate just how powerful a catalyst the first-time home buyer tax credit has been for the housing sector,” he said. “It’s given buyers the confidence they needed to get off the fence and take advantage of extremely affordable housing conditions. The buying conditions this year are the most favorable on record dating back to 1970, but the tax credit is allowing buyers to set aside any reservations about waiting for a better deal.”

During the third quarter, 123 out of 153 metropolitan statistical areas reported lower median existing single-family home prices in comparison with the third quarter of 2008, while 30 areas had price gains.

The national median existing single-family price was $177,900, which is 11.2% below the third quarter of 2008; the median is where half sold for more and half sold for less. Distressed sales- foreclosures and short sales- accounted for 30% of transactions in the third quarter, which continued to weigh down median home prices because they sell at a discount relative to traditional homes.

“The decline in the national median price has moderated recently, and a shrinking supply of unsold inventory suggests we are getting closer to price stabilization in many areas, but we need a steady stream of financially qualified buyers to further reduce inventory and get us to a self-sustaining market,” Yun said. “Foreclosures will continue to come on the market, but rising sales from the expanded tax credit should stabilize home prices by next spring and help to stem future foreclosures.”

According to Freddie Mac, the national average commitment rate on a 30-year conventional fixed-rate mortgage rose to 5.16% in the third quarter from a record low 5.03% in the second quarter, but was dramatically lower than the 6.32% average rate in the third quarter of 2008.

NAR President Charles McMillan, a broker with Coldwell Banker Residential Brokerage in Dallas-Fort Worth, said he is encouraged by recent actions in Congress. “Extending and expanding the tax credit to more buyers through the middle of next year is the right medicine,” he said. “Congress understands the impact of housing on the economy, so consumers who aren’t able to complete a transaction before the end of this month now have a second chance but must have a contract in place by April 30, 2010.”

The biggest sales gain between the second and third quarters was in North Dakota, up 42.3%; followed by Rhode Island which rose 26.5%; and Pennsylvania, up 25.6%. The largest single-family home price increase in the third quarter was in the Cumberland area of Maryland and West Virginia at $122,100, up 19.2% from the third quarter of 2008. Next was the Davenport-Moline-Rock Island area of Iowa and Illinois, where the median price increased 14.3% to $115,600, followed by Oklahoma City, at $144,100, up 9.1% from a year ago.

“The wide range of market performance and reversals around the country, ranging from double-digit gains to double-digit losses in both sales and prices, underscores just how local real estate truly is,” Yun said. “The wide changes and mix of numbers also indicates a market in transition, hopefully to one that is becoming more balanced and stable.”

Median third-quarter metro area single-family home prices ranged from a very affordable $61,400 in the Saginaw-Saginaw Township North area of Michigan to $566,000 in the San Jose-Sunnyvale-Santa Clara area of California. The second most expensive area in the third quarter was San Francisco-Oakland-Fremont at $538,100; followed by the Anaheim-Santa Ana-Irvine area of California at $498,800.

Other affordable markets include the Youngstown-Warren-Boardman area of Ohio and Pennsylvania at $70,700, and Lansing-East Lansing, Mich., at $86,600.

In the condo sector, metro area condominium and cooperative prices- covering changes in 55 metro areas- showed the national median existing-condo price was $178,000 in the third quarter, down 15.4% from the third quarter of 2008. Four metros showed annual increases in the median condo price and 51 areas had declines.

The metros experiencing condo price gains were San Diego-Carlsbad-San Marcos, at $215,100, up 13.3%; followed by the Cincinnati-Middletown area, up 2.0% to $119,700; the Toledo, Ohio, area, where the median price of $130,400 rose 1.7% from the third quarter of 2008; and the Indianapolis area at $114,400, up 0.8%.

Metro area median existing-condo prices in the third quarter ranged from $67,600 in Las Vegas-Paradise, Nev., to $432,800 in San Francisco-Oakland-Fremont. The second most expensive reported condo market was New York-Wayne-White Plains at $297,500, followed by Boston-Cambridge-Quincy at $293,700. Other affordable condo markets include Reno-Sparks, Nev., at $81,300 in the third quarter, and Jacksonville, Fla., at $91,600.

Northeast

Regionally, existing-home sales in the Northeast surged 16.7% in the third quarter to a pace of 930,000 units and are 6.9% higher than a year ago. The median existing single-family home price in the Northeast declined 9.4% to $244,500 in the third quarter from the same quarter in 2008. The best price gain in the region was in Buffalo-Niagara Falls, N.Y., where the median price of $119,700 rose 4.8% from the third quarter of 2008; followed by Manchester-Nashua, N.H., at $237,600, up 2.6%; and the Pittsburgh area, where the median price rose 1.5 percent to $124,600.

Midwest

In the Midwest, existing-home sales jumped 13.2% in the third quarter to a pace of 1.20 million and are 5.2% above a year ago. The median existing single-family home price in the Midwest was down 5.5% to $150,200 in the third quarter from the same period in 2008. After Davenport-Moline-Rock Island, the next strongest metro price increase in the region was in Cedar Rapids, Iowa, where the median price of $145,700 was 7.6% higher than a year ago; followed by Bismarck, N.D., at $157,200, up 7.5%; and Ft. Wayne, Ind., where the median price rose 6.9 percent to $102,500.

South

In the South, existing-home sales rose 11.3% in the third quarter to an annual rate of 1.97 million and are 5.9% higher than the third quarter of 2008. The median existing single-family home price in the South was $160,000 in the third quarter, down 7.9% from a year earlier. After Cumberland and Oklahoma City, the next strongest price increase in the region was in Shreveport-Bossier City, La., at $152,300, up 8.6% from the third quarter of 2008; Jackson, Miss., at $141,200, up 4.6%; and Durham, N.C., where the median price rose 3.6% to $184,300.

West

Existing-home sales in the West increased 5.6% in the third quarter to an annual rate of 1.19 million and are 4.6% above a year ago. The median existing single-family home price in the West was $224,000 in the third quarter, which is 16.4% below the third quarter of 2008. The best metro price performance in the West was in Yakima, Wash., where the median price of $158,400 rose 2.7% from a year earlier; the Denver-Aurora area at $229,100, up 1.8%; and the Kennewick-Richland-Pasco area of Washington, where the median price rose 0.7% to $172,200.

For more information, visit www.realtor.org ^[2].

A Compromise Has Been Reached on Home Buyer Credit!

2009-10-29T14:08:00.001-05:00

This just came in from Rismedia. This should help. RISMEDIA, October 29, 2009—(MCT/The Wall Street Journal)-The Senate has reached a compromise on extending and expanding the $8,000 tax credit for first-time home buyers, a boost the housing industry believes will help it pull out of its two-year-old downturn. While its passage remains uncertain, the agreement would extend the existing credit for first-time homebuyers, worth up to $8,000, while offering a new credit of up to $6,500 for some existing homeowners, Senate aides said. The reduced credit would be available to all homebuyers who have been in their current residence for a consecutive five-year period in the past eight years. Lawmakers in Washington also raised the qualifying income limits to $125,000 for single taxpayers and $250,000 for joint taxpayers, from the current $75,000 and $150,000, housing-industry sources said. Under the Senate compromise, buyers must have sales agreements in hand by April 30, but they will have until June 30 to go to settlement, said the sources. The measure still faces votes in the full Senate and the House. Treasury Secretary Tim Geithner and HUD Secretary Shaun Donovan are in full support of the Senate’s proposal to both extend and expand the first-time homebuyer tax credit and called on Congress to approve key housing measures that include the tax credit. "We welcome efforts taken by Congress to extend the First-Time Homebuyer Tax Credit for a limited period. This credit has brought new families into the housing market and contributed to three consecutive months of rising home prices nationwide," said Secretaries Geithner and Donovan. "In extending the credit, we urge Congress to include strict measures to combat tax fraud and protect responsible homeowners.”

First Time Homebuyer Credits Will Likely Be Extended

2009-10-28T11:20:00.004-05:00

It certainly appears that the government credits for first time homebuyers will be extended. The real question at this time seems to be in what form the credit will appear and for how long will they be extended. The following article comes from Dow Jones and came out yesterday evening. It seems this type of compromise is the most likely. By Jessica Holzer, Of DOW JONES NEWSWIRES WASHINGTON -(Dow Jones)- U.S. senators are nearing a deal on a measure to extend the first-time home buyer tax credit through next April and expand it to some buyers who already own a home. Under the deal, certain "step up" buyers who have lived in their current home for at least five years would also qualify for the tax credit, according to lobbyists close to the negotiations. The deal comes amid heavy housing industry pressure to extend the tax credit, which is set to expire Dec. 1 unless Congress acts. The measure, which proponents hope to offer as an amendment to legislation extending jobless benefits, could receive a Senate vote this week. Under the measure, the credit would run through April 30 of next year, though sales contracts in force by that date would be eligible as long as the deal closes within 60 days. The credit would amount to 10% of the sales price, with a maximum of $7,290. The current credit has a cap of $8,000. To qualify, first-time home buyers must make no more than $75,000 a year or $ 150,000 for couples. For step up borrowers, the income caps are $125,000 for individuals and $250,000 for couples. The measure aims to strike a middle ground between two Senate proposals. Sens. Christopher Dodd (D., Conn.) and Johnny Isakson (R., Ga.) had sought to extend the tax credit through June 30 of next year and open it to all home buyers. Meanwhile, Senate Majority Leader Harry Reid (D., Nev.) and Sen. Max Baucus ( D., Mont.) were pushing a four-month extension that would have gradually phased out over next year. It would have applied only to first-timers.

Collin County Real Estate continues to strengthen

2009-10-05T13:41:00.002-05:00

August housing numbers for the Dallas suburbs in Collin County continue to show improvement over last year. Allen, Plano and Richardson pending numbers are all well into the 20's with Richardson topping the local charts at a whopping 38%. McKinney and Frisco lag slightly behind at about 17-18 but this can partially be explained by the number of new starts by builders. The pending ratios are an indication of business that will close in the near future. The numbers for all of the communities matched or beat the best pending numbers of the last 13 months. Recent newspaper articles point to the fact that sales are down across Collin County for the year. That much is true. The issue that I have with their findings is that they are not looking at the trends. My expectation is that by the end of 2009 we will see numbers that are comparable or exceed those of 2008 in terms of unit sales. Part of this will be fueled by the first time home-buyer tax credit. A good deal of credit will end up going to the collapse of the financial markets in late 2008. I will be absolutely amazed if we do not sell substantially more homes in the 4th quarter of 2009 than we did in 2008. The other key data that the folks at the Morning News are not looking at is the months of inventory. These numbers have been cut substantially and on the average are a half to full month lower than last year. This indicates a significant change in not only new home inventory but in re-sells as well. I certainly do not want to seem to bullish on the local housing market but we are seeing some positive signs in spite of the fact that consumers are not driving this market. This market is set up to move up quickly once that consumer engine heats up.

Housing in Plano and other suburbs rebounds

2009-08-28T07:44:00.002-05:00

Sales of existing homes in July were down 14% from a year ago. That sounds like a negative number. Actually we are seeing that sales have stabilized and we expect that the sales for the rest of the year will actually be strong when compared to same months sales for 2008. Sales were up month over month in Frisco and McKinney. We look for an increase in sales for the remainder of the year based on two factors. 1) The first time home buyer credit will keep sales brisk into October. 2) Does anyone remember the stock market collapse of last fall. We experienced a severe drop in sales in November and December due to the stock market debacle. I believe we will see stronger month over month sales the remainder of this year. We also have a better job economy in Collin County than in other parts of the country. Collin county unemployment stands at about 7.6% compared to the 9.6 national average. Texas also was one of the top five states for decrease in first time claims for unemployment as reported yesterday. Things are looking better.

Collin County Housing - Will the rebound be quick or slow

2009-08-10T15:52:00.002-05:00

Most of us have had a year of stagnant real estate prices or perhaps declines depending on your property value and location. Homes in the 300K and up price points have been under pressure as the demand for these properties has been slow to re-enter the market. Abnormally high interest rates on jumbo loans and the fact that these properties generally do not have the benefit of a first time buyer armed with a tax credit leave these properties orphaned and in search of buyers. We have now seen some positive news on job numbers. While we are still losing jobs, we are losing them at a much slower pace. This is the signal of a change in the economic trend. I believe that we will see even better numbers in the weeks ahead which will confirm that we have indeed reversed the trend. So the question then becomes will we see a V shaped recovery, an L shape or a W. The speed at which the local economy recovers will dictate how quickly we see housing prices start to rise. Since our local unemployment is much lower than the national average and I think our local industries have been less affected by this recession, I believe that we will see a more V shape or U shape in the recovery. Markets tend to react to circumstance and how quickly they react is often due in part to how quickly they moved to their tipping point. We have seen a swift and violent shift downward in the economy. This market did not take years to correct, merely months. I think we are in place to see a rather quick recovery in the local housing market. Builder inventories are low and they are not building inventory. I talked with one major builder last week who mentioned that they would be reducing their incentive packages very soon. In other words they are seeing more demand and less need to discount. The roadblocks to this recovery could be in the form of mortgage money and how quickly a borrower can get it. The lag time for loan processing is getting longer and longer. The documentation for loans is becoming more and more burdensome. All of this will effect the time necessary for homes to clear the market. As lenders become more comfortable that they have in place the controls which they so blatantly ignored in years past, we should see a slight easing of available funds. With the resurgence of the economy, the cities of Plano, Frisco, Allen and McKinney are all well positioned to lead the area as well as the nation in job growth and housing growth.

Jobless Claims Look Positive and Texas is Poised to Lead the Recovery

2009-07-30T15:57:00.003-05:00

The report on new jobless claims looks somewhat positive. Nothing to jump up and down about but a step in the right direction. This is another sign of the recovering economy. Average claims for the last four weeks fell to 559,000. This is the lowest trailing four week average since January. Jobs lost in January of this year were over 740,000. This was the highest monthly figure since 1949. It is estimated that the July number will be below 350,000. This a significant improvement. We will still see high unemployment throughout the rest of the year. Many experts think we will see something over ten percent. I personally think we will see things start to flatten out and we will not reach the 10 percent number. My feeling is that we most likely over adjusted on job cuts in the winter and spring and we may see the need to maintain or even add some jobs back in the coming months. One firm estimates that Texas will be one of a handful of states that will emerge the quickest as far as job growth is concerned. The energy industry and the fact that we did not have a huge housing bubble were cited as the main reasons that Texas will recover lost jobs faster than other states.

NPR Report Shows Slow Far Behind the Loan Modification Process is

2009-07-29T12:09:00.002-05:00

Found this report on NPR.org. It is a great source for information.

Outpacing Mortgage Help

That little blue line is the represents homeowners who've staved off foreclosure by reworking their mortgages. (Center for Responsible Lending)

By Laura Conaway

This chart shows two things, really. First, we can see the scale on which struggling homeowners have managed to keep their homes by getting lenders to rework the mortgages. Second, we can see the scale on which the sheer number of struggling homeowners has risen. The strugglers are outpacing the rescued by a factor of seven.

The Center for Responsible Lending, which produced the chart, is calling on Congress to protect families. The advocacy wants the goverment to the most of the federal Making Home Affordable program, which launched with a goal of reaching 4 million families and has so far gotten only 200,000. Mortgage servicers met with the Obama administration today and promised to speed things up.

The Center is also asking Congress for legal changes that would allow bankruptcy judges to rewrite mortages on principal residences. It's lobbying for the Consumer Financial Protection Agency proposed by the Obama administration. The new agency has faced criticism from Federal Reserve Chair Ben Bernanke and FDIC chair Sheila Bair, some of whose current power would be subsumed by the new regulator.

Planet Money pal Felix Salmon notes an idea from the Center for Responsible Lending's director, Keith Ernst, for a mediation program to work out deals between mortgage services and lenders. Salmon writes:

I fear that Congress is beginning to get reform fatigue, after so many attempted solutions have failed. But that's no reason to stop trying new things -- in fact, it's a good reason to try even harder.

Dallas Metro Home Prices Show Improvement

2009-07-28T09:49:00.002-05:00

The latest news from the Case Shiller Home Price Index show that Dallas had a month to month increase in home prices of about 1.9 percent from April to May. Of the twenty metropolitan areas that the report covers, only Dallas and Denver showed an increase. Home prices are still about 8% lower than the peak in 2007. This represents a major opportunity for home buyers seeking good value in housing. The numbers show a slowing of the decline and an indicator of a market reversal. I think we will continue to see strengthening prices in the coming months. Dallas showed a 4.1% decline from the previous year and I believe that we will not see much further deterioration in local housing prices. The worst declines were in Phoenix (-34.2%) and Las Vegas (-32%). Overall prices for the twenty markets were down 17% year to year. Unfortunately this is the number that buyers often focus on which gives a distorted view of actual markets. Consult your realtor in order to get accurate market information about the specific area that you are interested in. In the Collin County area we are not seeing the type of price declines as described in the study. In fact, in some price points we are actually seeing a slight increase. Call me today for the latest information.

Dallas Metro New Home Sales Soar in June

2009-07-28T09:34:00.003-05:00

Further evidence of an economic turnaround showed up yesterday in the form of new home sale statistics as Texas and in particular Houston and Dallas led the nation in new home sales for June. Houston was the top market for new home sales while the Dallas market was second. Texas had more new home permits than Florida and California combined. Much of the increase can be attributed to first time buyers starting to come to the market in mass in order to beat the November 30 deadline. The market is currently experiencing a push upward. Just recently released numbers showed an existing home sales increase of 3.6%. The two numbers are the best news that the local housing market has had in some time. Even with the news of new home sales being positive, home starts in the Dallas market are down about 70% from 2006 levels. This is important because builders need to keep inventories from bulging in the second half of the year and therefore putting renewed pressure on the local housing market. We will continue to monitor these statistics here on this Blog.

June New Home sales are up

2009-07-27T14:16:00.001-05:00

Found this article from the Associated Press. It is very interesting.

WASHINGTON (AP) -- New home sales in June posted the fastest increase in more than eight years as buyers took advantage of bargain prices, low interest rates and a federal tax credit for first-time homeowners.

While home prices are still falling, the figures released Monday were another sign the housing market is finally bouncing back. Earlier this month, the government reported that new home construction rose to the highest level since last fall. And data out last week showed home resales rose almost 4 percent in June, the third straight monthly increase.

"The worst of the housing recession ... is now behind us," said David Resler, chief economist at Nomura Securities. "We're turning the corner toward increased activity in housing."

New home sales rose 11 percent in June to a seasonally adjusted annual rate of 384,000, from an upwardly revised May rate of 346,000, the Commerce Department reported Monday.

Shares of big homebuilders soared on the news, with Beazer Homes USA up by more than 13 percent and Hovnanian Enterprises rising 8 percent in afternoon trading. But with home prices still falling, these companies won't be making much money anytime soon.

The median sales price of $206,200 was down 12 percent from $234,300 a year earlier and off nearly 6 percent from $219,000 in May.

In addition to lower prices, buyers are rushing to tax advantage of a federal tax credit that covers 10 percent of the home price or up to $8,000 for first-time buyers. Home sales need to be completed by the end of November for buyers to take advantage.

"The window of opportunity is closing," said Bernard Markstein, senior economist for the National Association of Home Builders.

June's results were the strongest sales pace since November 2008 and exceeded the forecasts of economists surveyed by Thomson Reuters, who expected a pace of 360,000 units. The last time sales rose so dramatically was in December 2000.

There were 281,000 new homes for sale at the end of June, down more than 4 percent from May. At the current sales pace, that represents 8.8 months of supply - the lowest level since October 2007. If that number falls to just over 6 months, analysts say, builders will feel more comfortable ramping up construction.

Fallout from the housing crisis has played a central role in the U.S. recession, now the longest since World War II. Foreclosures have spiked, homebuilders have slashed construction, and financial companies have lost billions.

But it will still be a while before homebuilders turn into an engine for the economic recovery. Construction levels are still weak because builders still have too many unsold homes sitting vacant.