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Need to get another mortgage and still don't understand the process? Always wanted to understand escrow? Mortgage broker/real estate broker Chuck Tebbetts makes it all understandable.
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From backyard and rooftop gardens to community plots in parks and vacant lots, urban agriculture has become a nationwide movement, and more homeowners have taken an interest in producing their own food. For many urban homesteaders, it stems from a desire to know where their food comes from and live more sustainably.
Are you interested in participating? These three small-scale projects are great places to start.
Raising Backyard Chickens
Chickens provide a relatively inexpensive, low-maintenance way to feed your family, plus they act as complimentary fertilizer and chemical-free pest control. Before you buy baby chicks, make sure you research and follow local laws, city ordinances and homeowner association rules.
Taking Up Beekeeping
In the 1940s, America had five million beehives, and today, roughly half of those remain. A growing awareness of this drastic decline has led to an increase in urban beekeeping, to the tune of approximately 120,000 backyard beekeepers.
Becoming a beekeeper starts with a lot of research, followed by choosing the right equipment and bees. Don’t want to care for an entire colony? Plant native flower and weed varieties that help encourage bee pollination and reproduction.
Gardening and Canning
Whether it’s a large plot or a small section, a personal garden gives you control. Plus, you can preserve fresh fruits and vegetables via the canning process. While many homesteaders use yields from their garden, others buy extra produce in its peak season. Canning veggies and fruits is a family-friendly activity that lets you enjoy seasonal produce all year long.
Though urban homesteading may seem intimidating at first, it’s easier to start small. The projects above can help minimize your impact on the environment and allow you to take part in your own food production.Read More
While a home’s curb appeal may draw buyers in, its interior matters just as much, if not more. Several features are high on the wish list of today’s homebuyer, including a modern kitchen. Whether you’re thinking of starting a remodel or you’re just curious about what the future holds, check out these trends that turn kitchens into buyer bait.
Hidden appliances: Upgrading appliances is one of the quickest ways to add value to a kitchen. If you’re looking to impress a buyer with deep pockets, look into hidden appliances. What’s the appeal? Less obvious appliances keep the eye on the kitchen’s overall flow and design.
Personalized pantries: The utilitarian kitchen pantry has evolved into a trending design element. Whether you choose a pocket door and complementary light fixture or a rustic barn door and wallpaper, there’s no shortage of ways to express your personal style.
Creative countertops: Looking for a revamp with an immediate impact? Upgrade the counters. Quartz and butcher block, both easy to maintain, are quickly replacing traditional marble and granite surfaces. You can dress up your kitchen further with sleek waterfall-edge countertops that extend vertically to the floor.
Mixed-up metal accents: Accessorizing with different finishes is a trendy, cost-effective way to update your kitchen. In addition to stainless steel and gold, homebuilders are seeing copper accents emerging as the metallic detail of choice.
Don’t let a dated kitchen cost you when it’s time to sell your home. Incorporating a trend or two could be enough to give your kitchen the face-lift it needs to entice buyers.Read More
Do you know what vital information to have on hand in the event of a natural disaster or family emergency? When an unexpected situation arises, there’s no time to sort through paperwork, no matter how essential it may be. Having everything you need in an organized emergency binder can streamline the process and give you peace of mind.
What to Include in an Emergency Binder
While there’s no shortage of important family documents and household records, a true emergency calls for a few must-haves:
- Vital records like birth certificates, driver’s licenses, Social Security cards, naturalization documents, passports and child custody papers.
- Insurance policies, including homeowners, renters, auto, life and health.
- Property records such as real estate deeds, rental agreements, and vehicle titles and registration.
- Financial documents like wills, trusts, powers-of-attorney and funeral instructions.
- A family emergency plan with contact information and predetermined meeting places.
Safely Storing Other Important Information
Some items, such as account passwords and a backup of critical computer files, aren’t suited for a portable binder. Instead, house them in a secure location like a safety deposit box or lockbox. You can also include a home inventory list, contracts, business paperwork, tax returns and investment records.
Play it safe and include a recent photograph of every family member, along with fingerprints and dental records. You may also want to store valuable memorabilia, jewelry, and priceless family photos, letters and documents here as well.
There’s no way to predict when misfortune will strike, but that doesn’t mean you shouldn’t be prepared. Set aside an afternoon to create an emergency binder that can help protect your family when time is of the essence.Read More
The new year represents a clean slate and the chance to begin again. It’s also the ideal time to clear out unwanted items and organize your home for the year ahead. If you want a fresh start to 2017, let these decluttering approaches inspire you.
Decluttering apps are plentiful, and they provide an effective way to complete the purging process. Some, like Snupps, let you digitize your belongings and organize them into simple categories or “shelves.” From there, you decide what to keep, sell or give away. You can also reach out to other users for organizational inspiration, discover items you may be interested in acquiring or show off your personal collection.
To systematically remove clutter over time, try monthly organization that’s broken down by room. For example, you can tackle the kitchen in January and give the home office a deep clean in February. Make a schedule that works for you. This method may feel less overwhelming and rushed.
Prefer to declutter your entire home all at once? Designate a few days or a weekend to devote to the process. The secret is to stay focused on one task at a time and avoid getting sidetracked. Work your way through each room one by one until you’ve cleared out all areas of your home.
The new year is fast approaching and now’s the time to eliminate your clutter. Whether it’s an app, a 12-month schedule or one big purge, there’s no shortage of methods to help you have a more organized 2017.Read More
Occasionally cleaning household appliances like stoves and refrigerators may seem obvious, but what about equipment that does the cleaning, like the dishwasher and washing machine? Give these often overlooked appliances a deep clean with the following tips before the holidays have them working overtime.
Unclog the dishwasher. The cleaner the dishwasher, the cleaner your dishes will turn out after going through a wash cycle. Take a moment to clean the dishwasher’s filter, usually located on the inside bottom of the machine. This detachable filter becomes clogged with food and debris over time, so empty it out regularly to keep it working efficiently.
De-gunk your garbage disposal. Use a natural abrasive combo of ice and salt to loosen grime from the blades. Though it will be loud, run the disposal until the ice is gone. When finished, you can grind up a lemon or lime wedge to deodorize the drain.
Give your washing machine a wash. Hosting out-of-towners during the holiday season? Avoid musty bedding and towels by sanitizing the machine and removing mildew buildup every few months. To do this, run a hot wash cycle without a load and add one cup of bleach to the soap dispenser or directly into the machine.
Give your vacuum more power. Increased foot traffic could have this tool working harder over the holidays. Keep your vacuum maintained with simple fixes like unclogging hoses, cleaning the rotating brush and replacing the filter.
Want to keep your appliances working hard for you? Give them regular attention and their own cleaning now and thenRead More