The Carlton Review

No Regrets for Most Homeowners

Dale@CarltonSeminars.com (Dale Carlton) — 2010-08-24T19:34:00Z

Even amidst the backdrop of a difficult economy, 90 percent of homeowners say they do not regret purchasing their current home, according to a recent survey by Bankrate. Of the owners who do regret buying their homes, the most common reasons were because they could not sell their home or they could not afford the monthly mortgage payments.

The survey also finds that fixed-rate mortgages are becoming more popular. Nearly four out of five homeowners (79 percent) say they have a fixed-rate mortgage for their home, and 90 percent of owners who earn more than $75,000 annually say their

home was paid for with a fixed-rate mortgage.

A growing number of Americans are more knowledgeable about mortgages. Only 8 percent say they do not know what type of mortgage they have, down from 26 percent who said so two years ago.

Air Conditioner Stat

Dale@CarltonSeminars.com (Dale Carlton) — 2010-08-17T19:31:00Z

About two-thirds of U.S. homes (65 percent) currently have central air-conditioning and another 21 percent have window units. By contrast, only 17 percent of U.S. homes had central A/C in 1973.

Source: 2009 American Housing Survey

Home Buyer Must Haves and Turnoffs

Dale@CarltonSeminars.com (Dale Carlton) — 2010-08-11T18:09:00Z

When shopping for a new home, homebuyers tend to look for space, and lots of it. According to a May 2010 survey by ZipRealty, a garage or parking space is the most sought-after home feature, followed by a master suite, ample storage space, walk-in closets and a guest bedroom. A home located on a quiet cul-de-sac is more likely to appeal to families, while a location on a busy street may be a turnoff. Other buyer turnoffs are structural damage, bad odors, and an awkward floor plan.

The top ten most sought-after home features are:

1. Garage or parking space

2. Master suite

3. Ample storage space

4. Large or walk-in closets

5. Guest bedroom

6. Outdoor entertainment area

7. Gourmet or updated kitchen

8. Breakfast room or eat-in kitchen

9. Large yard

10. Wood floors

Source: ZipRealty

Kitchen Design Trends

Dale@CarltonSeminars.com (Dale Carlton) — 2010-08-02T18:05:00Z

Even as homebuyers look to downsize their homes, kitchens are taking up a larger percentage of the overall floor plan. Once-popular home theaters and dining rooms are making way for larger kitchens, according to design experts with General Electric.

The kitchen has become the new living space, and it’s expanding in both size and comfort to accommodate everyday life and entertaining,” says Marc Hottenroth, manager of GE Appliance’s Industrial Design Organization. “The attention to detail that once went into the selection of the leather sofa, plasma TV and Oriental rug in the family room is now going into the selection of appliances, countertops and accent lighting.”

Kitchen islands and dedicated work spaces for special hobbies, such as wine tasting or baking, continue to grow in popularity. Homeowners are creating custom work spaces with under-counter refrigerator drawers and wine refrigerators.

For busy families that want faster cooking and easier clean-up, induction cooktop stoves are a popular choice. Induction cooktop stoves boil water faster than gas or electric cooktops, and spills are easier to clean because they don’t cook onto the stovetop.

Stainless steel is still the finish of choice for appliances, but homeowners also are choosing more energy-efficient models. Another design trend for 2010 is the creative use of lighting, such as combining overhead can lighting with accent lights to highlight design elements.

Whether it’s adding a custom work space, highlighting design elements with light or creating comfortable living spaces within the kitchen, homeowners are finding creative ways to design the kitchen to suit their day-to-day needs.

Eco Smart

Dale@CarltonSeminars.com (Dale Carlton) — 2010-07-22T16:19:00Z

Turning down the thermostat and switching to compact fluorescent bulbs are easy but common ways to make your home greener. Here are a few additional greening tips and tricks that may have never crossed your mind.

Over the top. A refrigerator with a freezer on top uses 10 percent to 25 percent less energy than one with a side-by-side or bottom-mounted freezer.

Power up. Plug appliances and electronics into a power strip rather than an outlet. Devices plugged directly into the wall leak up to 15 watts of electricity even if they’re shut off.

Dish it out. Hand-washing dishes might seem better for Mother Earth than using the dishwasher, but it’s actually more wasteful. You’ll use up to 35 percent less water by filling up the dishwasher with dishes that aren’t pre-rinsed instead of washing by hand. You can also conserve energy by skipping the dry cycle — just open the dishwasher’s door when the cycle is done to air dry.

Don’t tank. Invest in a tankless water heater that will heat water instantly on an as-needed basis, instead of one that must constantly keep your water warm. They can be expensive—prices range from just under $200 to more than $1,000—but it will help reduce energy costs in the long run and reduce water loss. Don’t want to buy one? Be sure to insulate your pipes for a good reduction in heat loss.

I Scream You Scream, We All Scream for Ice Cream

Dale@CarltonSeminars.com (Dale Carlton) — 2010-07-17T16:16:00Z

July is National Ice Cream Month. More ice cream is sold on Sunday than any other day.

Last Resort

Dale@CarltonSeminars.com (Dale Carlton) — 2010-07-11T16:10:00Z

When life gets hectic, you might find yourself daydreaming of calming tropical beaches, but unfortunately, sometimes it’s just not that easy to get away. That’s why it’s important to create a no-frills retreat in the most accessible place, no passport required: your home.

About.com suggests finding a quiet corner to designate as your in-house oasis. Even if it’s not an entire room, be sure your in-house oasis has a different feel than the rest of the house. (If it’s just a section of a room, invest in a lightweight screen to separate it from the rest of the area.) Make sure it’s away from technology, including telephones, computers or the television. (And resist the urge to check work e-mail or bring your BlackBerry.)

Add to the relaxing ambiance by painting the walls a soothing color. Experts recommend pale blues and greens or neutrals such as taupe, beige or brown. Avoid jarring, energetic shades such as bright yellows or reds. If you do add color, keep it monochromatic so vivid contrasts aren’t distracting.

Next, get rid of clutter. Then set up a big, comfy armchair and a small table that’s just big enough for a steaming mug of tea, perhaps a plate of food and a lamp. Less is more when decorating for stress relief. Add serene family photos to the walls so you’ll be surrounded by the ones you love, and consider placing candles in the area. Choose scents such as lavender, sandalwood or sage, which can have a calming effect on the mind and body.

Play Nice

Dale@CarltonSeminars.com (Dale Carlton) — 2010-07-03T15:24:00Z

In sometimes-complicated relationships between residents and their condo or homeowner associations, neighborly love can go only so far. When it comes to association decorum, the more you know about the CC&Rs (covenants, conditions and restrictions), the better. It’s the homeowner’s job to reinforce these governing rules and regulations, which can easily pit residents against association members. Here are a few hot-button issues that, according to Realty Times and Condobenefits.com, are important to keep in mind:

Pets. Many condominiums restrict the permitted size and number of pets, if they allow them at all. Check in with the head of the association before bringing any four-legged friends home, and take note of any restrictions — such as the proper way to clean up after your pets and whether they’re allowed to stay outside for any period of time.

Parking. Take note that beyond your four walls, the land is not all yours — including your driveway. What are the parking restrictions for residents? For guests? Have the conversation before guests arrive to ensure that vehicles are out of fellow residents’ way. Keep in mind that many condos limit the number of cars to reflect the number of residents in the home.

Maintenance. There are two areas to consider: What does the association take care of, and what are your responsibilities? Typically, condo owners can rely on workers hired through the condo association to help maintain the exterior of their home, including painting, roof repairs, lawn maintenance and trash collection. But depending on association rules, sweeping your porch by Tuesday afternoon each week or setting the trash on the curb (not the end of your driveway) before Monday morning might be mandatory. Find out the specifics to avoid future headaches.

Fees. All associations have monthly or annual fees that residents must pay, but dig a little deeper and find out what happens if you accidentally break a rule. The last surprise you want is a letter stuck to your door telling you to pay up or risk eviction. Additionally, keep in mind if your building is due for a code upgrade — every five, 10 or 20 years, condo associations can charge residents large fees written into the minutiae of the CC&Rs.

Buring Calories While Doing Housework

Dale@CarltonSeminars.com (Dale Carlton) — 2010-06-29T15:21:00Z

One hour of gardening burns 256 calories while one hour of cleaning gutters burns 320 calories.

Source: Fitness Magazine

Color Correct

Dale@CarltonSeminars.com (Dale Carlton) — 2010-06-23T15:16:00Z

The look of your home’s exterior can make a strong first impression, enhance curb appeal and help boost resale value, but choosing the right color can be tricky. The paint experts at Sherwin-Williams offer several helpful hints for selecting the best color for your home’s exterior.

First, examine homes in different neighborhoods to get an idea of how residents apply color to their own homes. Note the most appealing color schemes in the area and consider adapting them to your home. Choose a scheme that blends well with homes in your current neighborhood or subtly stands out.

Landscaping elements, such as flower gardens, flowering shrubs and trees that change color, can affect your color choice. For example, heavily wooded lots will make colors appear darker due to the shade, and the foliage tends to camouflage the home.

Elements of your home, such as roofing shingles, brick or stone accents, often have varying shades and hues that can serve as the foundation of your paint color choices. For example, a charcoal gray shingle could have flecks of gray-blue or gray-green that you can incorporate into the color scheme.

Be sure to examine color samples outdoors at various angles and at different times of the day. Consider buying small quantities of paint in desired colors and paint a section of the house where the body, trim and accent colors can be seen together.

Pay attention to the direction and intensity of the sun. Intense sunlight can wash out colors. While brighter colors may be suitable in Sunbelt cities, lighter, neutral tones often work better in other locales. Tinted and mid-tone neutrals are popular because they play off landscaping and other building materials.

White or light colors make a large home on a small lot appear even larger, while dark colors tend to make the same home look smaller but more substantial. Remember, light colors advance in space while dark colors recede. So if a home is located far from the curb, painting it a light color will make it look more prominent.

Researching Car Purchases vs. Home Purchases

Dale@CarltonSeminars.com (Dale Carlton) — 2010-06-17T15:13:00Z

Borrowers spend an average of 10 hours researching a car purchase and only five hours researching a mortgage or home equity loan.

Source: 2010 Zillow Mortgage Marketplace Survey

Home Insurance Checklist

Dale@CarltonSeminars.com (Dale Carlton) — 2010-06-10T15:01:00Z

It can be easy for homebuyers to overlook home insurance costs. Most buyers tend to focus on factors such as quality of neighborhood, property taxes, school districts and available recreational and cultural outlets. But the seemingly mundane detail of home insurance can add up to a big investment. The size, location, construction and overall condition of a house can affect insurance cost, choice and availability, according to the Insurance Information Institute. When looking at prospective homes, the Institute recommends that homebuyers consider the following:

Where is the nearest fire department? Houses located near a fire station usually cost less to insure.
Are the plumbing and electrical systems in good condition? Poorly maintained, unsafe and/or outdated systems are more costly to insure than well-maintained ones.
Is the home vunerable to wind damage? A beach home may be susceptible to wind damage and can be more costly to insure than homes located inland.
Is the home at risk for flooding or located in a flood zone? Most standard homeowner's insurance policies do not cover floods, so you may need a separate policy, which you can get through the National Flood Insurance Program, which is serviced by private carriers, or from a few specialty insurers.
Is the home located in an earthquake-prone area? If so, earthquake insurance requires an endorsement or a separate policy.
Is the house well constructed and well maintained? Homes built with disaster-resistent materials and designed to meet current building codes are more likely to withstand natural disasters.

Your home is your biggest investment. Make sure you protect it with the right type of homeowners’ insurance policy.

Relocation Costs

Dale@CarltonSeminars.com (Dale Carlton) — 2010-06-02T14:56:00Z

Considering a move to a new city? Before you pack your bags and hire a moving company, be sure to research the potential price tag of relocating. It may cost more than you think.

Cost of living can vary greatly from town to town, so be sure to do some research before taking the plunge. Better Homes and Gardens recommends browsing the local newspaper for grocery promotions, ads, and other local news to track costs so you can put those figures into a worksheet and determine the income you might need. While several cost-of-living calculators are available on the Internet, they provide only general figures and don’t take into account specific housing needs.

Be sure to ask a Certified Residential Specialist in your target area about “hidden” homeownership costs, such as recreation fees, trash collection and community services. Try to obtain a one-year sampling of utility bills for the type of home you’re considering. What can you expect to pay for telephone, cable TV and Internet services? Will you have your own septic tank and water pump, or will the community provide water service?

There are a host of other expenses to consider. What taxes will you pay? Higher taxes may mean better schools, libraries, trash collection and other community services, while lower taxes could mean higher expenses for these services. But it pays to have all the facts before you make a move.

Likewise, transportation and parking costs often are higher in larger cities, while a small-town commute can mean a short walk or bike ride. Also, gas prices can be more costly in some areas than in others.

Leisure time costs can add up as well. How much more will you have to pay for tennis or health club memberships, adult education classes and golf course fees?

Moving away from family and friends can mean more frequent phone calls and trips back home, so be sure to allow for those additional costs as well.

Peanuts

Dale@CarltonSeminars.com (Dale Carlton) — 2010-05-27T19:28:00Z

Although more than 15 percent of people think they have food allergies, less than 5

percent really do.

Source: WebMD.com

Tour Guide

Dale@CarltonSeminars.com (Dale Carlton) — 2010-05-20T19:23:00Z

Virtual tours are a great tool for any REALTOR®, and they can make or break a sale. But a home that looks neglected on camera won’t shine in a potential buyer’s eyes. If you’re thinking of listing your home, help your agent make your home stand out on video by preparing it for its digital close-up.

Clean up. Walk through every room and pick up items that don’t belong — like the forgotten stack of magazines on your footstool or the shoes lounging by your bed. They’ll be obvious in video or photos, and can distract the viewer. Before the pros photograph your house, snap a few shots and take a look — what sticks out at a glance will surely be the first things a potential buyer would notice, too.

Remove personal touches. Remember, this won’t be your home anymore, so it shouldn’t look like it. Prior to showing a house, take down family photos, heirlooms and even college diplomas.

Update with a few new details. Flip through a few home decorating publications and take a look at what’s trendy and adjust your décor to match. A colorful vase of flowers on a glass coffee table, for instance, makes the room look warm and inviting.

Store unnecessary furniture. A good rule of thumb is that the only furniture in the room should accurately display what the room is (a dining room table and chairs in that room, for example). Removing extra side tables or a chair in the corner that’s hardly used will make the rooms look larger and allow the viewer to imagine his or her furniture in the space.

Lawn Care Tip

Dale@CarltonSeminars.com (Dale Carlton) — 2010-05-16T19:21:00Z

Mowing your lawn too frequently can damage plants. Grass should be cut when it reaches about 2 inches; never cut more than 1/3 of the height of your lawn.

Cabinet Meeting

Dale@CarltonSeminars.com (Dale Carlton) — 2010-05-08T19:18:00Z

Can’t afford a full kitchen makeover? Sprucing up the cabinetry is an easy fix for a fraction of the cost.

There are two options: replacing or refacing. Refacing includes covering the existing cabinet doors and drawer fronts with

a wood or plastic veneer and replacing knobs and door hinges; replacing cabinets requires removing them entirely and starting from scratch. So what’s best for your home? Here are a few things to consider, according to HGTV.

First, check to see if the cabinets are structurally sound. If you have problems opening the drawers, closing the doors, or if the cabinet’s interior isn’t as large as you need it to be, simply rejuvenating the look isn’t going to help in the long run. Also consider the age of the cabinets: Those made 20 to 30 years ago were typically built using thicker wood and sturdier construction. Such cabinets can often be refaced instead of replaced.

Next, consider how long you’ll remain in your home. Replacing the cabinets will add to the home’s value and could be worth the extra money if your home will be on the market in the near future. But for a potential buyer, a modern renewal of the cabinets with up-to-date veneers might be enough, making refacing your cabinets a cost-effective, viable solution. The typical cost of refacing with plastic veneer can cost up to about $3,000, while wood veneers can run up to $7,000. If you’re still considering replacing, make sure you budget accordingly. According to Costhelper.com, the cost of delivery and installation of new cabinets can cost at least $10,000.

Moving 101

Dale@CarltonSeminars.com (Dale Carlton) — 2010-05-03T19:12:00Z

Мoving from one home to another can be overwhelming, but moving to a new city or town can be especially stressful. Consider these suggestions to make your move hassle-free.

Keep track of the little expenses. Budget for gas money and pit stops you might make along the way. Factor in new utility setup fees and review the mover contract carefully to be sure your estimate is accurate. Small costs can add up to a major blow when they’re unexpected. It’s best to have a list of incurred expenses on hand to know what you’re dealing with.

Choose carefully. If you’re hiring movers, shop around for the best deal — which might not always be the cheapest.
Relocation.com cautions against signing with the least expensive movers; costs tend to pop up on move-in day, or worse, you might get scammed. Also, be sure to investigate what kind of insurance your movers provide. Depending on how much you’re moving, you may want to opt for a full-value replacement protection plan. Federal law requires limited liability insurance to be included with your regular move-in costs, but it only averages out to insuring $.60 per pound (varies from state to state), so big ticket items like your flat-screen TV will barely be covered. The full-value option declares that any goods lost, damaged or destroyed during the

move will be replaced or repaired, or you can opt for a cash settlement. The cost depends on the moving company, so be sure to discuss your options thoroughly with the company you choose.

Be observant. Review the inventory checklist you receive from the movers, and make sure every item is accounted for — every extra item that was not included in the original estimate could cost you more money. Worse? Once that happens, the initial estimate agreement is void, and the price can skyrocket. Do a final walkthrough in your empty home to ensure nothing is left behind to avoid having to ship it to your new abode.

And finally, treat your movers with respect. Check beforehand with the company and, if it’s OK, have some beverages and treats on hand to thank them for their hard work. Your kindness will be appreciated during stressful situations.

US Census Fact

Dale@CarltonSeminars.com (Dale Carlton) — 2010-04-30T19:05:00Z

A projected 47.8 million U.S. households will fail to respond to the census by mail and will require a census taker to follow up in person to count the household.

Source: U.S. Census Bureau

Pet Friendly Remodeling Ideas

Dale@CarltonSeminars.com (Dale Carlton) — 2010-04-22T19:02:00Z

According to the American Pet Products Manufacturers Association, 62 percent of U.S. households currently have a pet. In these households, pets are family members too, and a growing number of homeowners are remodeling their homes with their furry family members in mind. Here are a few of the latest pet-friendly design trends.

Avoid wall-to-wall carpeting, which absorbs odors, traps pet hair and soaks up pet stains like a sponge. Instead choose ceramic tile or light or medium finish hardwood floor, which are much easier to clean after pet accidents and can hide scratches more easily.

Install a feeding drawer in your kitchen cabinetry that pulls out during meal time and closes to hide the food bowls when guests visit. Consider adding a small alcove with a comfortable bed so your pet can keep you company while you cook.

Keep the litter box in a separate storage area or inside a cabinet with access via a cat door to provide privacy and keep the smell and mess in a confined area.

Choose stain-resistant and washable fabrics to match your pet’s fur color, or choose patterns over solids to disguise pet fur on your sofa or bed. Fabrics like leather, Ultrasuede or Crypton — a synthetic fabric resistant to stains, odor and moisture — are the most durable and easy to clean.

When selecting paint finishes, choose satin or semi-gloss over flat. Scratches, streaks and dirt aren’t as noticeable and will be easier to clean after pet accidents.

Replace the standard showerhead in the bathroom with a detachable hand-held one to make it easier to bathe your pet. Or, if there is space, add a mudroom near an entry where you can get dirt off your pet before coming into the house

Pet Fact

Dale@CarltonSeminars.com (Dale Carlton) — 2010-04-17T19:00:00Z

Households spent an estimated $45 billion on their pets in 2009.

Source: American Pet Products Manufacturers Association

2010 Kitchen and Bath Design Trends

Dale@CarltonSeminars.com (Dale Carlton) — 2010-04-10T18:56:00Z

Before you start a kitchen or bath renovation, consider these top design trends for 2010, according to the National Kitchen

and Bath Association.

The most popular kitchen design style is traditional, followed by contemporary, while the Shaker style is showing a strong resurgence. White and off-white shades are popular for kitchens, while beige and bone are more popular for bathrooms.

Cherry and maple wood cabinets are the most popular choices for kitchens, while alder is gaining popularity. The most common finishes are medium natural, dark natural, glazed, and white painted.

Hardwood flooring in kitchens will dominate in 2010, but ceramic, porcelain and natural stone tile remain popular for both kitchens and baths. Granite is still king for countertops and vanities, but quartz is gaining popularity.

In both kitchens and baths, brushed nickel is the most popular finish, followed by stainless steel and satin nickel. For bathrooms, white fixtures are the most common, followed by bisque and off-white.

French door and freezer-bottom refrigerators are popular, while under-counter refrigerator drawers and under-counter wine refrigerators are being incorporated in many of the latest kitchen designs.

In the kitchen, pull-out and pot-filler faucets offer more flexibility for at-home cooks. Combination cooktop-wall oven ranges are becoming more popular while ranges with induction stovetops are more energy efficient. More dishwasher drawers are being installed in kitchen designs for their convenience and their ability to wash small loads of dishes in each drawer, thus saving water and electricity.

Keeping Your Financial House in Order

Dale@CarltonSeminars.com (Dale Carlton) — 2010-04-02T18:53:00Z

Do you have difficulty managing your finances, paying bills on time or finding important receipts or documents when you need them? The Financial Fitness Association offers several guidelines that can help you keep your financial life in order.

Tax returns and their supporting documents should be kept at least three years. It may be helpful to set up file folders with different headings, such as 1099s, medical expenses, and business expenses. As you receive tax

documents or pay an expense, put the accompanying document or receipt in the appropriate file.

Have a plan to keep important legal documents, such as wills, powers of attorney, birth certificates, marriage documents, divorce papers, child care orders, trust documents, business agreements and military records, permanently. Wills should be kept in an easily accessible place, and a copy should be kept in a safe deposit box and with your attorney. Note the location of the original will on the copies.

Some documents need to be kept only for as long as they are needed. For example, deeds and real estate documents should be kept for as long as you own a property, plus any additional period for tax purposes. Insurance policies, loan documents, investment information, receipts and warranty information on major purchases should also be kept for as long as you hold the policy, loan, investment or purchase.

Keep monthly bank statements for at least three years to document payments for important items. Cancelled checks may be discarded since the bank statement itemizes these payments, with the exception of those checks that support any tax deductions you might have. Credit card statements can be kept for a year to track expenses or to document a disputed charge.

Following a simple system to keep financial and legal documents organized enables you to find these items more easily, thus saving time and giving you some much-needed peace of mind.

CAFFEINE!

Dale@CarltonSeminars.com (Dale Carlton) — 2010-03-28T18:50:00Z

March is National Caffeine Awareness Month. Approximately 80 percent of the world’s population consumes caffeine on a daily basis.

Hidden Treasure

Dale@CarltonSeminars.com (Dale Carlton) — 2010-03-21T18:46:00Z

Tax day is just around the corner, and many homeowners forget that they’re sitting on a wealth of potential savings — in their home. Tax deductions for homeowners are plentiful, so keep these guidelines in mind as you prepare your return this year.

First, know that if you deduct home expenses, you have to file form 1040 (also known as the long form) and itemize your deductions on Schedule A. While it can be a headache, the rewards might be worth it.

Remember that the mortgage on your home is deductible — at least the real estate taxes, qualifying interest and premiums, for a loan up to $1 million, according to the IRS. Note that fire or homeowner’s insurance premiums and the principal mortgage amount are not deductible. Here’s how to calculate what’s deductible: Enter your total real estate taxes for the year, and enter the number of days in the property tax year that you owned the property. Divide the number of days by 366, and multiply that number by your total real estate taxes for the year.

Paid off your mortgage early? The penalty you might have received is tax deductible as home mortgage interest, as long as it’s not for a specific service performed or a cost connected with your mortgage loan.

You may have heard that home repairs can qualify for tax deductions, but home improvements are the real winners. An improvement is classified as anything that adds to the value of the home — for instance, making a room handicapped accessible or adding a deck to the back of your home. Always keep receipts and records — and remember, if you borrowed money for that improvement, the interest on the loan is tax deductible, just as it is with the mortgage payments.

Another item many homeowners forget is deductions for loan origination fees, better known as “points.” One point is equal to 1 percent of your loan. Depending on how many points you’ve accumulated, you may be eligible to deduct them. There are rules about deducting points, but a financial professional can help you sort through them.

And finally, don’t forget that if you upgraded to energy-efficient Energy Star windows, stoves or water heaters, those may be eligible for a tax credit. Check www.energystar.gov to see if your improvements are included.

Most Popular Dog?

Dale@CarltonSeminars.com (Dale Carlton) — 2010-03-14T17:09:00Z

The Labrador Retriever has held the top spot for Most Popular Dog in America for the past 18 years.

App Orchard

Dale@CarltonSeminars.com (Dale Carlton) — 2010-03-07T17:06:00Z

Buying or selling your house? There’s an app for that. Well, not exactly, but there’s plenty of high-tech help available to guide you through the process.

The iZillow app gives you access to data on more than 80 million homes, including square footage and an estimate of fair market value. Take a drive around your possible new neighborhood and see home values pop up on your phone with real-time real estate info.

Get real-time mortgage rates from hundreds of lenders nationwide with the Mortgage Marvel app. Use it to compare rates and fees — prices reflect transaction-related pricing adjustments, such as loan amount, loan-to-value ratio and property type — and view disclosure information for all rates. When you’re ready, you can select a lender, fill out an application and be approved.

The RulerPhone app lets you use your iPhone as a tape measure to see if your couch will fit in your prospective new home. Place any credit-card-sized card next to an object, take a picture with the phone and align your image with the card placeholder displayed on-screen. A ruler will be displayed, allowing you to adjust the measurements with the drag of a finger.

The ExpertVideo: Home Repair app brings valuable home repair how-to videos to the palm of your hand. More than 20 videos are available, covering how to repair concrete steps, paint kitchen cabinets or patch a drywall hole. Still have questions after watching? A moderated discussion panel gives you the answers.

Keep home improvements and routine maintenance tasks organized with the Homeowner Calendar app, featuring a calendar of monthly tasks, such as checking smoke alarms, cleaning air filters or cleaning your gutters. Alerts let you know when tasks are coming up, and the application allows for custom additions.

Find all these apps at www.apple.com/iphone/appstore.

Living Color

Dale@CarltonSeminars.com (Dale Carlton) — 2010-03-01T17:02:00Z

Тhe leading expert in color, Pantone, Inc., has made it official: Turquoise is the “it” color for 2010. But before you deck the house from top to bottom in the gemstone hue, consider the other latest color trends.

Behr paint company says neutral is still in — think light colors such as grays, camels and off-whites. Experts suggest buying bigger furniture such as sofas or armchairs in these safe colors, which never truly go out of style. Complement neutrals with aqua and gold tones, but stay away from darker browns, which are becoming passé.

While monochromatic schemes are still versatile and dependable, HGTV says the real winners in the color game right now are bold jewel colors such as ruby red or emerald green, and the brighter the better — especially if it’s a purple hue. Experts advise pairing these daring tones with a smoky charcoal or a softer black to give a room a vintage feel.

Going green and getting back to nature is a major trend, too. Earthier tones, such as sand or yellow-greens, are perfect for living rooms or kitchens. But going back to your roots doesn’t just mean dipping into Mother Earth’s favorite colors. Decorators say Asian-inspired or tribal patterns are adorning decorative elements as consumers look to get the most bang for their buck. Think pillows, area rugs or murals as key items this season.

Homeowners Keep Remodeling Projects Small

Dale@CarltonSeminars.com (Dale Carlton) — 2010-02-18T16:54:00Z

Amid concerns about the economy, homeowners are moving ahead with remodeling plans, but are focusing on smaller projects, according to two separate surveys. In Remodeling Magazine’s 2009-10 Cost vs. Value report, which compares national and regional remodeling costs for 33 popular remodeling projects, homeowners who opted to hire contractors for home remodeling projects in 2009 most often tackled small-scale jobs and replacements.

Exterior replacement projects (doors, windows, etc.) continue to recoup the most dollars at resale, which makes them attractive to homeowners looking to improve curb appeal. Replacements are also among the least expensive projects to complete. Entry door replacements (steel), which recoup nearly 129 percent of their costs at resale, returned the most on investment. Other high-ranking cost-vs.-value projects were siding replacements, attic bedrooms and deck additions.

Projects that recouped the least were home-office remodels, sunrooms, upscale master suites, upscale garage additions

and upscale bathroom additions.

For project data for the 80 U.S. cities surveyed, visit Remodeling magazine’s Web site at http://www.remodeling.hw.net/2009/costvsvalue/national.aspx.

A Service Magic survey also finds that after a brief slowdown in 2009, homeowners are moving forward with their remodeling plans, with a focus on improving the most important areas in their home like bathrooms and kitchens, as well as smaller-scale projects, like countertops. More homeowners also are adding home theaters and computer rooms to personalize their homes for the long-term. While kitchen and bathroom remodels remain popular, fewer owners are tackling larger projects, such as home additions and remodels of multiple rooms.

Home-Buying Trends: Then and Now

1999 2009

Median home values $137,600 $172,600

Buyers buying single-family homes 82 percent 78 percent

Buying in suburban neighborhoods 46 percent 54 percent

Beginning their home search online 37 percent 90 percent

Married couples buying a home 68 percent 60 percent

Single women home buyers 15 percent 21 percent

Single men home buyers 7 percent 10 percent

Median age of home buyers Age 39 Age 39

Source: National Association of REALTORS®

US Census

Dale@CarltonSeminars.com (Dale Carlton) — 2010-02-13T16:51:00Z

60 percent of Americans believe the U.S. Census is very important or somewhat important to our country, and 81 percent say they plan to participate in the 2010 Census survey.

Source: Pew Research Center survey, January 2010.

Homebuyer Tax Credit Update

Dale@CarltonSeminars.com (Dale Carlton) — 2010-02-09T16:48:00Z

There’s still time to take advantage of the first-time homebuyer tax credit. The Worker, Homeownership and Business Assistance Act of 2009 extended the deadline for qualifying home purchases from Nov. 30, 2009 to April 30, 2010. In addition, buyers who enter into a binding contact by April 30 have until June 30 to settle on the purchase. The maximum credit amount remains at $8,000 for first-time homebuyers – buyers who have not owned a primary residence within the past three years.

The new law also provides a tax credit of $6,500 to existing homeowners who have owned and lived in their current residence at least five consecutive years. For all qualifying purchases in 2010, buyers have the option of claiming the credit on either their 2009 or 2010 tax return.

Under the new law, credit is not available if the purchase price of a home is more than $800,000. Also buyers must be at least 18 years old on the date of home purchase, and dependents are not eligible to claim the credit. For

more information about whether

the tax credit can benefit you, visit the IRS Web site or consult with a qualified tax professional.

Stand Up and be Counted

Dale@CarltonSeminars.com (Dale Carlton) — 2010-02-02T16:44:00Z

As National Census Day April 1 inches closer, U.S. residents will begin receiving 2010 U.S. Census questionnaires in their mailboxes beginning in March. Under the U.S. Constitution, a national census is completed every 10 years to get an accurate picture of the nation’s growing and changing population and demographics. Every resident of the United States and Puerto Rico,

including citizens and non-citizens, is required by law to complete a 2010 Census form to account for everyone living at their household address as of April 1, 2010.

After completing the 10-question form, return it in the postage-paid envelope provided. If you fail to return your census form, a census taker will follow up to arrange a personal interview to collect your information.

The census data is used to determine the number of seats each state occupies in the U.S. House of Representatives. It also helps to determine how $400 billion in federal funding will be allocated every year for infrastructure and services, such as hospitals, schools, emergency services, roads and bridges, and job training centers. For businesses, census data is critical to help them make strategically and fiscally sound decisions that spur economic growth.

To ensure your community receives the services it needs, everyone needs to be counted.

Key Dates for 2010 Census

March 2010 – Census questionnaires are mailed or delivered to households.

April 1, 2010 – Census Day

May – July 2010 – Census takers visit households that did not return a questionnaire.

December 2010 – By law, the Census Bureau delivers population counts to the President for apportionment.

March 2011 – By law, the Census Bureau completes delivery of redistricting data to states.

Get Rid of a Smokey Odor

Dale@CarltonSeminars.com (Dale Carlton) — 2010-01-30T21:47:00Z

Leaving a bowl of white vinegar out overnight can help get rid of smoke odors.

Healthy Start

Dale@CarltonSeminars.com (Dale Carlton) — 2010-01-23T21:43:00Z

Most New Year’s resolutions have some kind of health angle — work out more, eat right and so on — so why not give your home the same kind of revamp? Resolve to keep your home healthier this year with this seasonal checklist.

Spring

Clean your gutters. Backed-up gutters can wreak havoc on siding and cause flooding. Scoop out leaves and debris with a trowel or hire professionals to do it

ü Check your roof. Wintry weather may have damaged the surface, and the first big rainstorm, left unchecked, could cause significant problems. Replace shingles as needed.

ü If your fireplace got a workout during the winter months, give it a clean sweep. Call in the experts to inspect and clean creosote buildup.

Summer

ü Walk around your house to check for unsealed spots where squirrels or mice could sneak in. Look carefully for termites or ants, too. Inside, check your attic and make sure egress points are sealed tightly.

ü Get ready for the warm season by giving any outdoor equipment (pools, swing sets, etc.) a thorough, top-to-bottom cleaning.

Fall

ü Ensure your furnace is in prime shape for the cold months ahead, and change all the air filters in your home.

ü Make sure your house is adequately sealed. Apply weather stripping (such as tape, felt, foam or vinyl tubing) around doors or windows.

ü Trim branches near your home or roof to prevent damage when wintry weather hits.

Winter

ü Drain and insulate outdoor pipes to prevent freezing.

ü Check for damaged sidewalk, driveway or stairs, and repair them before the first snow to avoid dangerous mishaps.

Take Out

Dale@CarltonSeminars.com (Dale Carlton) — 2010-01-15T21:41:00Z

Two out of three U.S. adults have changed their cooking and eating habits because of the economy; 51 percent eat dinner at home more often and 37 percent have strict shopping budgets.

Source: Whole Foods Market’s annual Food Shopping Trends Tracker survey

Spare Cache

Dale@CarltonSeminars.com (Dale Carlton) — 2010-01-11T21:32:00Z

Is storage space a problem in your home? Is the crunch of clutter overwhelming your life? Consider these creative solutions.

For starters, make sure furniture is doing double duty. Invest in ottomans with hidden storage to stash remote controls and blankets and a coffee table with drawers or a bottom shelf to hold magazines. Consider putting a chest in the foyer to store sports equipment and shoes or installing coat hooks on the wall to free up more hall closet space.

Boxes and jars are your best friends when it comes to organizing your odds and ends. Group like items together — such as old letters, cards or photos — and store in colorful boxes. Label the outside of the box so you know what’s inside, and use the same trick to organize shoes.

Think tall. Choose vertical, not horizontal, bookshelves to conserve space, and display framed photos or artwork on the upper shelves where access isn’t as important. Put frequently used items, such as recipe books, CDs or DVDs, on bottom shelves.

Make better use of the space under your bed with clear bins for storing extra linens or off-season clothing (put clothes in vacuum-

Cents and Sensibility

Dale@CarltonSeminars.com (Dale Carlton) — 2010-01-04T21:25:00Z

Creating a household budget is hardly a fun exercise, but it is a necessity, especially in these tough economic times. Determining where monthly paychecks go can help rein in bad spending habits and create new, fiscally friendly ones.

To start, financial planners suggest you gather a year’s worth of bills and loan payments to create a complete picture of your expenses. Make a list and assign each to a category, such as groceries, utilities, mortgage, auto and entertainment. Be sure to note when your spending increases throughout the year, such as around holidays or annual vacations.

Next, determine fixed and variable expenses. Fixed expenses have little to no change each month, such as mortgage, car payments or cable bills. Variable expenses change monthly—groceries, gas or personal expenses such as morning coffee runs.

Once you’ve sorted your expenses and calculated a monthly average, figure out your monthly income by checking your pay stubs and other sources of revenue. Ideally, your expenses should not be greater than your income. Your ultimate goal is to create a “zero-dollar budget” to see exactly where each dollar of your income goes. The money left over should be put into a savings account or used to pay down credit card debtss.

When you’re through with this exercise, look for ways to build an emergency fund. Consider putting aside enough for three to six months’ living expenses. If this number is too daunting, set a goal for smaller amounts, like $1,000 to $3,000.

Fire Fact 2

Dale@CarltonSeminars.com (Dale Carlton) — 2009-12-27T21:22:00Z

Heating equipment is a leading cause of home fires during the months of December, January and February.

Source: National Fire Protection Association

Welcome to the Neighborhood

Dale@CarltonSeminars.com (Dale Carlton) — 2009-12-20T21:18:00Z

According to the 2009 National Association of REALTORS® Survey of Home Buyers and Sellers, 64 percent of buyers say the biggest factor influencing where they choose to live is the quality of the neighborhood. Other important factors include convenience to jobs (50 percent), housing affordability (43 percent) and convenience to family and friends (37 percent). Quality of schools (26 percent), convenience to shopping (26 percent), neighborhood design (23 percent) and convenience to schools (21 percent) are also important, buyers say.

While neighborhood amenities, location and affordability are important, the experts at Movers.com say buyers also should consider other factors, such as safety, property values, cost of living and public transportation.

Before moving across the country to an unfamiliar location that could be unsafe, potential homebuyers should research the area’s crime statistics or call the local police department for detailed information. Property values, cost of living and budgetary concerns will also influence neighborhood choices.

If you depend on public transportation, find out what services are available, whether there are bus stops or train stations in the neighborhood you are considering, and whether their schedules will meet your travel needs.

To learn more about prospective neighborhoods, check out sites such as City-data.com, NeighborhoodScout.com, Citytowninfo.com and Bestplaces.net, which contain information about schools, crime rates, demographics, amenities and employment.

First Time Homebuyer Fact

Dale@CarltonSeminars.com (Dale Carlton) — 2009-12-18T21:20:00Z

96 percent of first-time buyers who purchased a home in 2009 chose a fixed-rate mortgage.

Source: 2009 NATIONAL ASSOCIATION OF REALTORS® Profile of Home Buyers and Sellers

Avoid Online Shopping scams

Dale@CarltonSeminars.com (Dale Carlton) — 2009-12-11T18:25:00Z

Shopping online for holiday gifts can be a great time saver, but it can also be an opportune time for identity thieves to take advantage of you. Computer expert Jim Dearman with the University of Phoenix offers some tips for shopping safely online.

Shop at reputable company web sites. Look for a privacy statement and third-party seals of approval from organizations such as the Better Business Bureau.
Be skeptical of unsolicited e-mails. Never provide your user name, password, account number or any other personal information via e-mail.
Don't use the link received in an unsolicited, which could send you to a fake web site that has been set up for phishing purposes. Instead, type the web site address into the browser window. Be sure also to enable the phishing protection provided by your browser.
When you provide any personal information at a web site, make sure encryption is ON. Look for https: in the address bar or the lock/key on your browser. If it is not ON, your information is sent in clear text which could be read by any person that captures it.
If you think your username and password information has been compromised, log into the company's site immediately to change them.
When you pay on-line by credit card, make sure the page has encryption ON. BY doing this, your transaction is protected by the Fair Credit Billing Act, which gives consumers the right to dispute charges under certain circumstances and temporarily withhold payment while the creditor investigates the case.
Check your bank and credit card statements often to make sure they are accurate.

Don’t let a security lapse spoil your holiday. Keep your identity secure when shopping online.

Holiday Home Selling Tips

Dale@CarltonSeminars.com (Dale Carlton) — 2009-12-04T21:11:00Z

The holidays may not be the ideal time to sell a home, but there are a few advantages. Buyers shopping for homes during this time of year tend to be more serious, and there may be fewer homes on the market so there’s less competition. If you need to sell your home during the holidays, Frontdoor.com offers several tips to attract buyers during this busy season.

Don’t go overboard on holiday decorations. Large decorations can make your home seem smaller and they can distract buyers. If you choose to decorate, opt for fewer and smaller items with a general winter theme.

Hire a reliable real estate agent. Ask family and friends to recommend a Certified Residential Specialist (CRS) REALTOR® who will work hard for you and be available during the holidays.

Seek motivated buyers. Any person shopping for a home during the holidays must be highly motivated. Target buyers who need to move soon, such as people relocating for jobs, college students and university staff on break, and investors on tax deadlines.

Price the property to sell. No matter what time of year it is, a home that’s priced appropriately for the market will attract buyers.

Pay attention to curb appeal. Maintaining your home’s exterior is just as important in the winter as it is during any other season. Touch up the paint, clean the gutters and spruce up the yard. Also keep buyers’ safety in mind by keeping stairs and walkways clear of snow, ice or leaves.

Use high-quality photos and/or a video tour to market your home on the Web. Homebuyers are likely to start their home search on the Internet, so these tools can help buyers who may not have time to visit your home in person.

Make your home cozy and inviting. When showing your home, crank up the heat, play soft music and offer homemade holiday treats. It will encourage buyers to spend more time in the home, which gives them a chance to admire its best features.

Thanksgiving Fact

Dale@CarltonSeminars.com (Dale Carlton) — 2009-11-30T21:05:00Z

In 1863, Abraham Lincoln gave his Thanksgiving Day Proclamation, making Thanksgiving an official national holiday.

Source: National Parks Service

Window Shopping

Dale@CarltonSeminars.com (Dale Carlton) — 2009-11-27T21:00:00Z

When it comes to window treatments, the options might seem endless, but the decision process doesn’t have to be overwhelming. HGTV recommends that you focus on the four main options: blinds, shutters, shades and curtains.

During the winter months, window

treatments can affect the temperature in your home. According to the U.S. Department of Energy, pairing close-fitting drapes with a cornice can reduce airflow around windows by up to 25 percent. If you mount your shades or blinds inside your window casting, you’ll also be able to minimize drafts, and be ensured a cozy, warm winter.

Keep in mind that color and pattern are key when deciding what window treatment to use. Lighter colors will make a smaller room appear larger, while darker colors tend to shrink a room. Mix it up by playing with different textured shades such as rattan or bamboo.

Shades and curtains made from lighter fabrics allow more light to filter into the room. But depending on your taste, a heavier fabric can look more elegant, while a longer drapery will look more formal. To ensure you have enough fabric for overlapping, buy an amount of fabric two to four times the width of the window.

The cost for window treatments varies almost as much as the options themselves. You could spend anywhere from $16 for a light, sheer shade, to $400 for wood shutters.

Thanksgiving Fact

Dale@CarltonSeminars.com (Dale Carlton) — 2009-11-20T19:27:00Z

The average American consumes 4,500 calories on Thanksgiving.

Source: Calorie Control Council

Breathe Easy - Get Rid of Indoor Pollution

Dale@CarltonSeminars.com (Dale Carlton) — 2009-11-13T19:22:00Z

Indoor pollution sources that release gases or particles into the air are the primary cause of indoor air quality problems in homes. These three strategies from the Environmental Protection Agency will help improve air quality in your home.

Source control. The most effective way to improve indoor air quality is to eliminate individual sources of pollution or to reduce their emissions. For example, areas that contain asbestos can be sealed off or enclosed, and gas stoves can be adjusted to decrease their emissions.

Improved ventilation. Heating and cooling systems don’t usually bring fresh air into your home. To increase the

amount of outdoor air that comes inside, open windows and doors, operate window or attic fans when the weather permits, or run a window air conditioner with the vent control open. And save pollutant-emitting activities like painting, sanding, soldering or welding for outside.

Air cleaners. There are many types and sizes of air cleaners on the market, from relatively inexpensive tabletop models to sophisticated and expensive whole-house systems. Some air cleaners are highly effective at particle removal, while others are much less so. In general, air cleaners are not designed to remove gaseous pollutants.

For a simpler solution, try a plant. Although it has not been scientifically proven, there is some evidence that household plants can help remove significant quantities of pollutants from the air in your home. But be careful: overwatering plants can be detrimental to your home’s air quality — damp soil can promote the growth of microorganisms.

Office Space

Dale@CarltonSeminars.com (Dale Carlton) — 2009-11-01T19:19:00Z

You know it’s important to keep your business and personal lives separate, but that can be tricky when they take place under the same roof. So when you decide to set up a home office, keep the following tips from HGTV and Lowe’s in mind.

The first step in drawing a line between work and play is with your computer. It might be tempting to use the family computer for business, but that increases the chances that someone might accidentally delete an important file. A dedicated business-only computer will help you avoid that danger. You also might need to have professionals install additional electrical, phone or cable outlets to accommodate your various office equipment (phone, computer, fax, etc.).

Experts suggest that you divide your new office into three sections: the work center, the reference center and the supply center. The work center includes your desk, computer and things you use on a regular basis. The reference center includes dictionaries, books, binders, etc. Consider placing a small filing cabinet or installing shelves behind your desk for easy access. Finally, the supply center of your workspace holds all your office supplies. To save money on storage solutions, consider using shoeboxes for holding note cards and other small items, for example, or jars for keeping pens and pencils.

Fire Fact

Dale@CarltonSeminars.com (Dale Carlton) — 2009-10-30T19:17:00Z

Of the 1.5 million fires that took place in 2008, 403,000 (27 percent) occurred in residential properties.

Source: National Fire Protection Association

Using Heat Sources Wisely

Dale@CarltonSeminars.com (Dale Carlton) — 2009-10-26T19:14:00Z

In response to rising energy costs, some homeowners are using alternate sources to heat their homes. While wood-burning stoves, space heaters and fireplaces are popular options, especially in colder climates, they can be fire hazards. In preparation for Fire Prevention Week, Oct. 4 – 10, 2009, FireSafety.gov offers some tips to help homeowners use these heat alternatives safely.

Wood stoves made of plate steel or cast iron are best. Use only seasoned wood for fuel, and avoid green wood, artificial logs or trash. Inspect and clean the pipes and chimneys annually, and check monthly for damage and obstructions. Keep combustible objects at least three feet away from the stove.

Space heaters that feature the Underwriter Laboratory certification are recommended. Use a heater with a thermostat control mechanism that can switch off automatically if the heater falls over. Don’t dry clothes or store objects on top of the heater. Like wood stoves, keep combustibles at least three feet away. Always unplug the device when it is not in use.

Clean fireplaces frequently to prevent creosote from building up in the chimney. Also inspect the chimneys for obstructions or cracks. Never burn trash, paper or green wood, which can cause heavy creosote buildup. Don’t wear loose-fitting clothes near open flames, and make sure the fire is completely out before leaving the house or going to bed.

Finally, make sure smoke detectors are working properly, and replace batteries every six months.

First Tiime Homebuyer Tax Credit Fact

Dale@CarltonSeminars.com (Dale Carlton) — 2009-10-20T19:11:00Z

As of mid September 2009, 1.4 million homebuyers have taken advantage of the $8,000 first-time homebuyer tax credit.

Source: www.irs.gov