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Archive for the ‘HOME OWNERS’ Category

Here is an excellent article about wood floors from REALTOR Magazine. I hope you’ll find it helpful:

“Just as with ties and hem lengths, wood flooring styles change. Colors get darker or lighter; planks get narrower or wider; woods with more or less grain show swings in popularity; softer or harder species gain or lose fans; and the wood itself may be older, newer, or even pre-engineered with a top layer or veneer-glued to a substrate to decrease expansion and contraction from moisture.

Here are key categories for consideration:

Solid Plank

This is what some refer to as “real” wood because the wood usually ranges from three-eighths to three-quarters of an inch in total thickness to permit refinishing and sanding. Thicker floors have a thicker wear layer to allow for more frequent refinishing and sanding, so they can withstand decades of use, says architect Julie Hacker of Stuart Cohen and Julie Hacker Architects. It also can be stained, come from different species of tree, and be sold in numerous widths and lengths:

  • Width and length: Designer Steven Gurowitz, owner of Interiors by Steven G., is among those who prefers solid flooring for many installations because of its rich, warm look. Like other design professionals, he’s seeing greater interest in boards wider than the once-standard 2 ¾ to 3 ¾ inches — typically 5 to 6 inches now but even beyond 10 inches. And he’s also seeing corresponding interest in longer lengths, depending on the species. Width and length should be in proportion. “The wider a board gets, the longer the planks need to be, too, and in proportion,” says Chris Sy, vice president with Carlisle Wide Plank Floors. These oversized dimensions reflect the same trend toward bigger stone and ceramic slabs. The downside is greater cost.
  • Palette: Gurowitz and others are also hearing more requests for darker hues among clients in the northeastern United States, while those in the South and West still gravitate toward lighter colors. But Sprigg Lynn, on the board of the National Wood Flooring Association and with Universal Floors, says the hottest trend is toward a gray or driftwood. Handscraped, antique boards that look aged and have texture, sometimes beveled edges, are also become more popular, even in modern interiors, though they may cost much more.
  • Species and price: Depending on the preference of the stain color, Gurowitz favors mostly mahogany, hickory, walnut, oak, and pine boards. Oak may be the industry’s bread and butter because of the ease of staining it and a relatively low price point. A basic 2 ¼-inch red oak might, for instance, run $6.50 a square foot while a 2 ¼-inch red oak that’s rift and quartered might sell for a slightly higher $8.50 a square foot.
  • Maintenance: How much care home owners want to invest in their floors should also factor in their decision. Pine is quite soft and will show more wear than a harder wood like mahogany or walnut, but it’s less expensive. In certain regions such as the South, pine comes in a harder version known as heart pine that’s popular, says Georgia-based designer Mary Lafevers of Inscape Design Studio. Home owners should understand the different choices because they affect how often they need to refinish the wood, which could be every four to five years, says Susan Brunstrum of Sweet Peas Design-Inspired Interior. Also, Sy says that solid planks can be installed over radiant heating, but they demand expert installation.

Engineered Wood

Also referred to as prefabricated wood, this genre has become popular because the top layer or veneer is glued to wood beneath to reduce expansion and contraction that happens with solid boards due to climatic effects, says Sy, whose firm sells both types. He recommends engineered, depending on the amount of humidity. If home owners go with a prefabricated floor, he advises a veneer of at least one-quarter inch. “If it’s too thin, you won’t have enough surface to sand,” he says. And he suggests a thick enough substrate for a stable underlayment that won’t move as moisture levels in a home shift.

His company’s offerings include an 11-ply marine-grade birch. The myth that engineered boards only come prestained is untrue. “They can be bought unfinished,” he says. Engineered boards are also a good choice for home owners planning to age in place, since there are fewer gaps between boards for a stable surface, says Aaron D. Murphy, an architect with ADM Architecture Inc. and a certified Aging in Place specialist with the National Association of Home Builders.

Reclaimed Wood

Typically defined as recycled wood — perhaps from an old barn or factory — reclaimed wood has gained fans because of its aged, imperfect patina and sustainability; you’re reusing something rather than cutting down more trees. Though less plentiful and more expensive because of the time required to locate and renew samples, it offers a solid surface underfoot since it’s from old-growth trees, says Lynn. Some companies have come to specialize in rescuing logs that have been underwater for decades, even a century. West Branch Heritage Timber,for instance, removes “forgotten” native pine and spruce from swamps, cuts them to desired widths and lengths, and lays them atop ½-inch birch to combine the best of engineered and reclaimed. “The advantage is that it can be resanded after wear since it’s thicker than most prefabricated floors, can be laid atop radiant mats, and doesn’t include toxins,” Managing Partner Tom Shafer says. A downside is a higher price of about $12 to $17 a square foot.

Porcelain “Wood”

A new competitor that closely resembles wood, Gurowitz saysporcelain wood offers advantages: indestructibility, varied colors, “graining” that mimics old wood, wide and long lengths, quickness in installation, and no maintenance. “You can spill red wine on it and nothing happens; if there’s a leak in an apartment above, it won’t be destroyed,” he says. Average prices run an affordable $3.50 to $8 a square foot. The biggest downside? It doesn’t feel like wood since it’s colder to the touch, Lynn says.

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Bottom line: When home owners are making a choice or comparing floors, they should ask these questions:

1. Do you want engineered or solid-based floors, depending on your home’s conditions?

2. Do you want a floor with more natural character, or less?

3. What board width do you want?

4. How critical is length to you in reducing the overall number of seams?

5. What color range do you want — light, medium, or dark?

6. Do you want more aggressive graining like oak or a mellower grain like walnut?

7. Do you want flooring prefinished or unfinished?

8. How thick is the wear layer in the floor you’re considering, which will affect your ability to refinish it over time?

9. What type of finish are you going to use? Can it be refinished and, if so, how?

10. For wider planks that provide greater stability: Where is the wood coming from, how is it dried, what is its moisture content, and what type of substrate is used in the engineered platform?

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SOURCE: REALTOR Magazine

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The median home size most highly desired among home shoppers is 2,226 square feet, according to the National Association of Home Builders’ “What Home Buyers Really Want” survey.

The size of home most desired can vary greatly depending on the buyers’ age, race, and ethnicity, the study found.

As buyers’ ages increase, they tend to want less space, the study finds:

  • Buyers younger than 35 said they most desire a home size of 2,494 square feet.
  • Buyers 65 and older, they want a home that is 2,065 square feet.

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(more…)

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The sound of “home makeover” makes some people excited or it makes some people cringe. The idea of spending lots of time and money painting the house, shopping for new furniture, and replacing the carpet is something few people want to do during their free time.

But not every home makeover has to be so exhausting. In fact, there are many small alterations and additions you can make to your home that have big results for very little money and effort. Here are seven simple suggestions:

(more…)

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Umbrella insurance offers added homeowner liability protection that kicks in after homeowners insurance reaches its coverage limits.

Understand homeowner liability

Liability insurance covers homeowners in the event you get hit with a lawsuit. Some of the liability risks faced by homeowners are more apparent than others. For example, a house guest takes a tumble after slipping on your hardwood floors, or a neighbor’s kid falls off a swing in your backyard. Insurance agents call swimming pools, jungle gyms, and trampolines “attractive nuisances” because they draw children unable to appreciate their dangers.

(more…)

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Here are a few surprising and simple ways to cut your energy bill this winter season.

Put lamps in the corners: Did you know you can switch to a lower wattage bulb in a lamp or lower its dimmer switch and not lose a noticeable amount of light? It’s all about placement. When a lamp is placed in a corner, the light reflects off the adjoining walls, which makes the room lighter and brighter.
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REPRINTED from HOUSE LOGIC – Part II

To read Part I

It’s not just which energy efficiency projects you implement at home that will make a dent in your bills — it’s how many.

This is the second part of our Q&A with Suzanne Shelton, president and CEO of Shelton Group, a marketing agency specializing in sustainability and energy efficiency. Shelton Group’s annual Energy Pulse research report tracks consumer attitudes toward energy-related topics. 

HouseLogic: (In Part I) you told us why we’re so disconnected from our home’s energy use. Tell us what we should be doing differently to make our homes more energy efficient.  (more…)

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REPRINTED from HOUSE LOGIC – I hope you’ll find many useful ideas. 

Do you see your energy bills rising even if you’ve implemented up to three projects to save energy? In the first of our two-part Q&A with an expert on consumer attitudes toward energy efficiency, we look at the energy-saving truths many of us ignore. Hint: Replacing windows isn’t your best bet.


Suzanne Shelton is president and CEO of Shelton Group, a marketing agency specializing in sustainability and energy efficiency. Shelton Group’s annual Energy Pulse research report — released last fall — tracks consumer attitudes toward energy-related topics. 

HouseLogic: So our energy bills are going up? 

Suzanne Shelton: Yes, for many of us, even though we may think our energy use is going down.

HL: How come?

(more…)

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A Home Buyer Poll conducted by TD Bank of more than 1,300 Americans revealed that:

  • 64% of women say home ownership is essential in achieving the American Dream,
  • 52% of men say owning a home is a vital component of achieving the American Dream.

(more…)

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Real Trends 500 ranked NRT LLC #1 Residential Real Estate Company in the U.S. for 15 consecutive years – ranked by Closed Sales Volume for 2011. NRT and Coldwell Banker Residential Brokerage is #1 real estate company with the Highest $$$ volume of sales and #1 real estate company with the lowest average days on the market.

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Contact Vivianne Rutkowski for a professional real estate representation:

Vivianne.Rutkowski@cbmove.com; VivianneRutkowski@gmail.com;

540-229-5429

http://www.cbmove.com/Vivianne.Rutkowski

http://www.RealtorVivianneRutkowski.com

Watch the video:

http://www.youtube.com/watch?feature=endscreen&NR=1&v=ihWmTChfPa4

Real Trends 500 ranks NRT LLC #1 Residential Real Estate Company in the U.S. for 15 consecutive years.

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Here’s homeownership course: Home Owner 101

1. Fix a leaky toilet. (more…)

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Owning a home free and clear gives a sense of security and a psychological comfort, although every borrower’s situation is different and the decision should be made individually.

Should you pay off your mortgage early? (more…)

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Repair wood floors and scratches can make rooms look worn out. It is easy to put the luster back into the floors.

Camouflage scratches (more…)

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Automated HVAC Systems

Programmable thermostats can save consumers about $180 per year in energy costs, according to Energy Star.   Automated systems can be set to reduce consumption when residents are out and to create heating and cooling zones in a home—a guest bedroom, for instance, might not always need the same level of heat as the living room.

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Water Heaters

Tankless gas water heaters turn on when residents start using hot water and turn off when they’re done, which can reduce water heating costs up to 35 percent annually. Water heaters that have a timer can be programmed to turn off when the home owner is away.

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Lighting 

Automatic dimmers will adjust lighting based on the time of day, which is extremely beneficial for exterior lighting.

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Blinds & drapes Automated blinds are an eco-savvy development in window treatments. Program shades to close during the hottest part of the day in summer and to let sun in during winter.

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SOURCE: REALTOR Magazine

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Home remodeling is expected to have its best year since 2006, according to Harvard University’s Joint Center for Housing Studies. The biggest focus areas of home owners in remodeling: Mid-size kitchen and bath projects, maintenance improvements, and energy efficiency upgrades. (more…)

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The number of shared households made up 18.7% of all households in the nation in 2010, growing from 17% in spring 2007, according to a U.S. Census Bureau report.

Looking back on the recession, the U.S. Census Bureau finds the number of shared households grew by 11.4% from 2007 to 2010. Meanwhile, total households grew by a modest 1.3%.

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The Census Bureau defines a “shared household” as one with an “additional adult” over the age of 18 who is not enrolled in school and is not the cohabitating partner or spouse of the householder.

More than half of the additional adults were under the age of 35, but since the recession, those in the 25 to 35 age demographic accounted for almost half of the rise in people who live with another householder.

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The number of these “adult children” living with their parents grew from 1.2 million to 15.8 million in the three years between 2007 and 2010.

Shared households in 2010 accounted for 18.7 % of all households in the country, up from 17% in 2007. A bulk of the increase comes from the number of adult children moving back in with their parents, which grew from 1.2 million to 15.8 million between 2007 and 2010.

http://www.housingwire.com/content/census-bureau-187-households-are-shared

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SOURCE: U.S. Census Bureau

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The process of lighting a room used to be simple. You bought a lightbulb for a few cents and screwed it into a socket. If a room needed more light, you brought in a couple of lamps and plugged them wherever there was an available electrical outlet and furniture to put them on.

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But these days, with so much buzz about conserving energy and saving dollars with light choices, home owners need to shop wisely when they pick lightbulbs — “lamps” in industry lingo. But they can also make their houses brighter, fresher looking, larger, and more attractive to themselves and potential buyers with their choice of lamps, the right wattage or lumens, and the best possible fixtures. (more…)

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The 2012 Report is in and dozens of Virginia, Maryland and D.C. schools made U.S. News & World Report‘s list of the highest ranking high schools.

To produce the report,  21,776 public high schools were analyzed in 49 states and the District of Columbia. This is the total number of public high schools that had 12th-grade enrollment and sufficient data, primarily from the 2009-2010 school year, to analyze. (Nebraska was the only state that did not report enough data and therefore was not evaluated for any part of the rankings.)

The rankings are based on state proficiency standards, how well they prepare students for college, as well as other factors.

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In Virginia, top-ranked schools were clustered in Fairfax County, Falls Church and Loudoun County, with Thomas Jefferson High School for Science and Technology rated second out of 100 nationally.

The following schools made the top 10 list for Virginia:

  1. Thomas Jefferson High School for Science and Technology
  2. George Mason High School
  3. George C. Marshall High School
  4. McLean High School
  5. James W. Robinson Jr. Secondary School
  6. Langley High School
  7. W.T. Woodson High School
  8. James Madison High School
  9. Oakton High School
  10. Stone Bridge High School

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In the Maryland rankings, Montgomery County had seven out of the top 10 schools schools, with Winston Churchill, Walt Whitman and Thomas Wootton ranking in the top three spots. The other schools in the top 10 are in Anne Arundel, Howard and Baltimore counties.

The Following schools made the top 10 list for Maryland:

  1. Winston Churchill High School
  2. Walt Whitman High School
  3. Thomas S. Wootton High School
  4. Poolesville High School
  5. Walter Johnson High School
  6. Bethesda-Chevy Chase High School
  7. Richard Montgomery High School
  8. Severna Park High School
  9. Eastern Technical High School
  10. River Hill High School

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  • In Prince William County, Osbourn Park High made the top 600.
  • In Prince George’s County, Eleanor Roosevelt High School, made the list at No. 23.
  • The top-ranked D.C. Public Schools are Benjamin Banneker High School and Coolidge High School.

The full list of schools is available on U.S. News & World Report’s website.

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SOURCE: U.S. News & World Reports; WTOP

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Americans would rather see their dentist or visit their in-laws than spend time manicuring their lawns – with the exception of that 7% who would give up about anything to keep their lawn beautiful and actually enjoying it :-)

The remaining 93% would rather do just about anything than mow, fertilize, and perform other lawn care chores, according to a Consumer Reports survey of 1,000 adults nationwide.

When asked about which tedious chore they would like to do, only 7% said lawn maintenance. Here are the activities that ranked higher:

  • Cook, 62%
  • Grocery shop, 49%
  • Do laundry, 41%
  • Go to work, 38%
  • Clean the house, 38%
  • Visit in-laws, 33 %
  • See the dentist, 17%

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Consumer Reports didn’t mention any chores that ranked lower than lawn work. But a safe guess would be that cleaning out the septic tank and clearing clogged drains might be worse. :-)

What chores would you pick over lawn care? Any chores that rank lower?

SOURCE: HouseLogic

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More than 200,000 underwater home owners with mortgages through Bank of America may be eligible to have a reduction in the amount they owe on their loan, which could possibly trim their monthly payments by up to 35 percent.

Bank of America has sent letters to home owners who may be eligible to take part in a program to write-off a portion of underwater home owners’ mortgage principal, reducing it by, on average, $150,000 each.

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The bank’s move stems from the $25 billion settlement, which it and four other of the nation’s largest lenders reached earlier this year with federal and state officials over past foreclosure mishandlings. Bank of America agreed to reduce some home owners’ mortgage principles as part of the settlement.

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Home owners eligible for the principal write-offs must be:

  • “underwater” (owing more on their mortgage than their property is currently worth),
  • have a loan owned or serviced by Bank of America,
  • be at least 60 days behind on their mortgage payments as of the end of January.
  • in order for the mortgage reductions to be made permanent, home owners must make at least three on-time payments.

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“To the extent principal reduction and other modification tools help us turn mortgages headed for possible foreclosure into long-term performing loans, it will be positive for home owners, mortgage investors and communities,” said Ron Sturzenegger, a legacy asset servicing executive.

Bank of America Starts Mortgage Reduction Effort,”

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SOURCE: The New York Times; REALTOR Magazine

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It doesn’t have to cost a fortune to improve a home and make it more sellable, according to HomeGain’s 2012 National Home Improvement Survey.

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HomeGain surveyed nearly 500 real estate professionals nationwide to determine the top do-it-yourself home improvement projects that offer some of the biggest bang for your buck when selling a home. (more…)

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