Laundry Room Storage: 5 Naked Truths

Unless you do your laundry in the buff, it’s one chore that’s never really done. Follow these laundry room storage ideas, however, and you can breeze through your dirty duds in no time:

1. Make space for your washer and dryer
Put your laundry room or area near bedrooms where you generate the most laundry so you can minimize steps and clothes clutter. To carve out space for a laundry station inside a bathroom or hall closet, you’ll need:

Electric outlets. Electric dryers require a 220-volt dedicated outlet. Cost: $300 to $1,000, professionally installed.
Plumbing. The washer needs hot and cold water connections as well as a drain or a hose fed into a standpipe. All dryers require a vent to the outside to exhaust heat from the drum. Gas dryers require a gas line. Cost: $300 to $550.
Space requirements. For a stackable washer and dryer, provide a minimum space of 40 inches deep and 32 inches wide. A side-by-side washer and dryer need space measuring at least 40 inches deep and 56 inches wide.

2. Add cabinets for better laundry room storage
De-clutter by keeping laundry room necessities out of sight.
Drawer units. Front load washers and dryers are easy on your back when elevated with base pedestals, which offer drawer storage. Pedestals usually are made by individual manufacturers to fit their brand. Cost: $110 to $265.
Stock cabinetry. Home centers offer stock kitchen cabinetry that you can install above and/or beside the washer and dryer. For a laundry near the kitchen, select cabinetry that complements existing units. Cost: $130 to $350 per cabinet.
Freestanding laundry room storage. To keep clutter out of sight behind doors, position a freestanding cabinet between or beside the washer and dryer. Some armoires feature hanging space inside.
Extras. Equip a stock or freestanding cabinet with a fold-down ironing board and a holder for the iron and related supplies.

3. Provide laundry room storage bins, baskets, and more
Bins. Canvas or solid metal bins keep small items corralled and out of sight inside a cabinet or on open shelves. Wire baskets make it easy to inventory supplies while keeping similar items together.
Lined baskets. A canvas lining provides visual appeal and prevents wicker from snagging folded linens or other items you store inside.
Pull-outs. Rather than bending and rooting around in the back of a base cabinet, equip it with a pullout hamper, wastebasket, or shelves.
Sorters and hampers. You’ll find a variety of bins for storing and sorting soiled laundry, including canvas versions with an overhead rod for hanging clothes.

4. Include easy-access surfaces
Open shelves. Melamine or wire shelves above or beside the washer and dryer provide a good spot for quickly accessing often-used supplies.
Countertops. A countertop on base cabinets or installed above a front-load washer and dryer (that aren’t elevated on pedestals) provide a place for folding clothes.

5. Create space for hanging clothes
Include a spot to hang clothing fresh from the dryer or to drip dry. For example, stretch a pole between tall cabinets flanking the washer and dryer. For compact laundry room storage spaces, look for collapsible hanging units or retractable clotheslines.

Decatur Homes:

Hole-y Sheet! Pegboard Rebirth

Versatile pegboard provides easy and inexpensive storage solutions for virtually any room and under-utilized wall space. And, for the first time we're hearing about an alternative to the time tested fiberboard material!



Know your pegboard
Pegboard comes as either tempered hardboard panels or metal sheets!

Hardboard panels are ¼-inch thick and feature ¼-inch diameter holes, evenly spaced 1 inch apart across the face of the entire sheet. Hardboard pegboard panels are easy to cut into custom shapes for fitting odd-shaped areas.

Hardboard pegboard comes in standard sizes (2x4-foot, 4x4-foot, and 4x8-foot sizes); commonly available colors are natural, black, and white. Latex paint color can also be rolled on.

Hardboard panels are lightweight and affordably priced; expect to pay $8 to $50 for a 4x8-foot panel.

Metal sheets come in several types of metals and weights. Some feature slots, rather than holes, to accommodate specialized accessories, such as bins and shelves. Metal pegboard sheets are durable and the perforations never lose their shape. Properly installed heavy-duty versions support up to a ton of items.

Metal pegboard sheets come in a variety of patterned and smooth finishes, and a variety of anodized colors. Standard sheet sizes are the same as hardboard, plus 16x32-inches and 4x10-foot panels. Cost: $33 to $400.

Accessories:
Standardized perforations accept a wide range of hooks, clips, shelves, bins, racks, jars, and other storage accessories that you can arrange and rearrange to suit your changing needs. Use them to organize any combination of household tools, supplies and belongings. Cost: 30 cents to $15 each.

How and where to use pegboard
Garage: Behind the workbench or on any wall, pegboard organizes tools, measuring tapes, lawn maintenance gear, sporting goods, fishing equipment, and more.

Laundry room: Specialized racks, shelves, and bins hold the ironing board and iron, as well as clothespins and other wash day supplies.

Basement: Seasonal décor, extension cords, and tools are some of the goods you might want to organize here.

Hobby room: Create a station for wrapping gifts, making crafts, or scrapbooking using tilt-out bins, twine holders, shelves, and jars to organize supplies.

Kitchen: Julia Child kept all her kitchen gear on pegboards on kitchen walls and backsplashes. If you prefer to keep paraphernalia out of sight, install pegboard on the back of a pantry door or inside a kitchen closet.

Bathroom: Round up ribbons, hairpins, the hairdryer, toiletries, and other necessities—all on pegboard applied to the back of the bathroom door or inside cabinet doors.

Bedroom: Shelves and racks on pegboard provide a hip means for organizing jewelry, belts, scarves, bags, books, magazines, CDs, and DVDs. Install a sheet on the wall or inside an armoire or closet.

Living room: For a hip, industrial look, us a metal strip pegboard to hang a revolving display of photographs or artwork.

Music room: Literature racks store sheet music on pegboard; guitar hangers are also available.

Storage Space an Issue? Try This Idea

• 

  Between-the-Studs Shelving and Storage: Find Your Niche in Life

  Recessed, between-the-studs shelving and storage niches help you de-clutter and stay organized without sacrificing valuable square footage. Read

Visit houselogic.com for more articles like this.

Copyright 2010 NATIONAL ASSOCIATION OF REALTORS®

10 Ways to Prevent Costly Mold Damage to Your Home

Last week we had to help a client find a new home to rent because their existing rental was so deeply laced with mold that their children were sick with its effects and constantly visiting doctors for treatment. So, as you can imagine, they had the house they chose inspected for mold, mildew and damage BEFORE they completed the rental agreement.

But, there are ways you can avoid home environments that foster damaging mold and its effects:

Eliminate clutter
1. Pare down your stuff. "Clutter creates microclimates where humidity is higher than the ambient humidity in the room," says Jason Yost, owner of Solutions Indoor Environmental Consulting in Terre Haute, Ind. "Mold develops because clutter blocks airflow, and your HVAC system can't process air properly."

2. Don't obstruct air return and supply grilles with furniture or draperies. Surfaces adjacent to grilles cool to temperatures well below your thermostat setting and well below the dew point for the room, meaning condensation is likely.

Control the indoor climate
Mold problems often emerge in summer, when outside air tends to be humid. (If you have a window air conditioning unit, baseboard heating, or other localized devices and suspect you have moisture problems, consult an HVAC or mold inspection professional for guidance.)


3. Keep the thermostat set at a moderate level in summer. Set it too high, and the air conditioner won't run often enough to dehumidify your air effectively; set it too low, and you create cold surfaces where water vapor can condense.

To maximize energy efficiency, most electric utilities recommend setting the thermostat around 78 degrees F; this setting is also optimal for preventing moisture problems.

4. Never keep windows or doors open while the air conditioner is on. This introduces humid outside air into a sharply cooler environment, which can cause condensation. When you go on vacation, don't bump the thermostat up to 85 degrees--or, worse, turn the air conditioning off entirely. That tiny utility bill savings would be dwarfed by the cost of a mold remediation if your indoor air weren't sufficiently dehumidified. (Eighty degrees is recommended; if you have a window unit, leave it on at the lowest setting.)

5. Make sure your air-conditioning unit is properly sized for your house. Some HVAC contractors recommend oversized units for quick cooling, but this might remove less humidity from the air. Consult Energy Star to find out what size unit you really need.

6. Supplement an old air-conditioning unit that isn't removing as much moisture with a dehumidifier.

Monitor moisture
To see if you need a dehumidifier, measure humidity--the amount of water vapor in the air compared with the total amount it can hold. Start with an under-$20 monitor from various online retailers, Yost says. More sophisticated and expensive models--ranging from $45 to $300--have remote sensors that simultaneously track several rooms all over the house, which is useful if you have basements, crawl spaces, or other areas that you don't visit often.

An ideal indoor reading is between 35% and 50% relative humidity; in very humid climates in the height of summer, you may get readings closer to 55%. But if you reach 60% relative humidity, it's time to look for the source of the moisture. Above 70% relative humidity, certain species of mold can begin growing on surfaces even if water isn't visible.

7. If you get a high humidity reading, check your air conditioner first.

Is it set to the proper temperature?
Is it cycling on and off periodically?
Does it blow cold air when it reaches the set point?

8. Check that the condensate drain pipe (the narrow white pipe sticking out the side) is dripping regularly. If it isn't, the pipe is blocked, water may be accumulating inside the unit, or the unit isn't working correctly. If you suspect a problem, call your HVAC professional.

9. If the air conditioner isn't the issue, look for signs of standing water or chronically damp soil in your crawl space or basement or near your foundation.

10. If you have a crawl space, make sure you have a plastic vapor barrier covering the dirt floor and that it's intact. Moisture below the house affects the humidity indoors by infiltrating unsealed penetration points, such as where electrical conduits and plumbing enter the house. Water can even diffuse through plywood and finished flooring--and you won't necessarily see wet spots when this happens.

Find a qualified pro
If you can't find the moisture problem on your own, or you aren't sure how to correct a problem you do find, it's a good idea to call a home inspector or indoor air quality consultant. Look for credentials from a respected industry organization, such as the American Society of Home Inspectors or the Indoor Air Quality Association. A house call will likely run $250 or more.

Keep in mind the mold field is largely unregulated, so there are few industry norms for pricing.

Mold and insurance
Mold remediation isn't necessarily covered by homeowners insurance, which typically pays only if the problem results from a sudden emergency already covered on your policy, such as a burst pipe. Insurance usually doesn't pay if the problem results from deferred maintenance or floodwaters (unless you have flood insurance).

Water emergencies
A note about emergency situations: If you have a flood or a leaking or burst pipe, act immediately to remove the water and run a dehumidifier--don't wait for an insurance adjuster, inspector, or water extraction/mold remediation company to arrive. But take photos or video of any damage for your insurer.

The main thing to remember is to monitor moisture before problems develop--and if something seems wrong, don't hesitate to call for professional help.

Related articles

• Simple and Easy Ways of Cleaning Mold and Mildew in the Home (home-owner-tips.suite101.com)



• Mold and water damage remediation (mnn.com)



• How to Clean Mold on Window Frames (brighthub.com)

Winona Park Ghost Crawl

The eeriest neighborhood crawl in Atlanta appears again in Winona Park on Sunday night.

Made for only the strong of heart and limb.

Starting just before dark, Winona Park comes 'Back from the Grave' for an evening of fun and fright as the whole neighborhood celebrates with the most elaborate Halloween stages in driveways, front yards, spook houses, shreeking music, and delicious candies for the strong willed. Children should be accompanied by their parents or other adults...just in case!

Jungle Drums

For just the second time, the nearly all girl African Drum band will perform from late afternoon until early evening. Just follow the rythmic beat starting near the southwest end of Kirk Road; they are awesome as the band beats the deep echo of the Kenyan jungle and along the Congo river.

Don't miss the treats, the music and this scary night in Winona Park. Oh mother, we're shaking already!

Oakhurst Arts and Music Festival

The 13th Annual Oakhurst Arts & Music Festival:

Saturday, October 9 from 10 am until 7 pm at the center of the Oakhurst community in Harmony Park.

Click for Additional information.

Events and features include:
• The 5K Arts Run/Walk
• Local artists
• Live musical performances
• Community area, featuring Decatur-based nonprofit groups
• Free activity area for children
• Good ol' fashioned parade
• Food and beverages at Oakhurst's many restaurants

This event is presented by the Decatur Arts Alliance in association with the South Decatur Community Development Corporation.

Oakhurst Loves Kids!
Keep those children happy and smiling during Decatur's Oakhurst Arts & Music Festival. The Children's area at the festival engages kids in fun and artful hands-on activities from 10 am to 4 pm. Join in the fun as a volunteer in the children's area. To volunteer please email oakhurstartsfestival@gmail.com

Oakhurst Loves the Community!
The annual Oakhurst Arts and Music Festival provides an opportunity for City of Decatur-based nonprofits to communicate their missions to the community.Fill out this form now for a booth space at the Festival's Community Pavilion, adjacent to the Artists’ Market, where you can provide literature and displays showcasing your organization.

Community Pavilion Application (PDF)

Oakhurst Loves Artists!
If you are an artist with original artwork to sell, the Oakhurst Arts and Music Festival invites you to apply for booth space in the juried artists market. There are limited spaces available and the quality of work accepted is high. Prizes for first, second and third place are judged on the day of the festival, and winners receive automatic entry and free booth space at next year's festival.

Artists Market Application (PDF)

Move or Remodel?

When your house no longer suits you, you can move or remodel. Find out which big change is the right investment of your housing dollars.

Just about everything else—remodeling costs, the hassle of living in a construction zone, or the ability to live happily without one more bathroom--is a personal preference. After all, your home isn’t just your largest investment; it’s also the place where your family lives.

1. Will remodeling make your home better than everyone else’s?
To make the right move-or-remodel decision, you have to know:

Your home’s value. Easy. Just ask a REALTOR® to estimate it and tell you how it compares with the value of the other homes in your immediate neighborhood. Ask her what she thinks your house will be worth after the improvements, too.
Your neighbors’ home value. Hit some open houses. Seeing the inside of area homes will inspire you; help you make good choices about finishes, room sizes, and how much to spend; and, admit it, entertain you.
Your remodeling costs. Once you’ve got your renovation vision, get a quote from a home improvement contractor or, if you’re remodeling it yourself, tally the costs of the items on your supplies shopping list.
Then add the remodeling costs to the value of your home. If the number you get is more than 10% above the average value of homes in your neighborhood, you’re over-improving and probably won’t be able to sell for what you put into the remodel.

Here’s why: No one wants to buy the most expensive home on the block (your home) if they can spend the same money to get a similar home on a block of higher-priced homes. Would you pay $200,000 to live on a block where all the other homes are valued at $100,000? We hope not.

Make home improvements that are typical for the neighborhood. Don’t put granite countertops in a trailer, and don’t put laminate countertops in a Trump Tower condo. Your tour of open houses gives you a chance to verify that your planned remodel isn’t an over- or under-improvement for the neighborhood.

2. Do you love where you live?
Want to keep your kids in the same school district, but can’t find or afford a bigger, better house? Love the neighbors? Have an easy commute to work? Stay put. If you’ve soured on the traffic, the neighborhood’s crime rate, or the nosy neighbors, move on.

3. Do you have room to expand?
If your remodeling plans include increasing the overall size of your home, the size of your lot may be the deciding factor in whether to move or remodel. If you live in a 1,500 sq. ft. ranch on a 3,000 sq. ft. lot, you might be able to add a second story to turn it into a 3,000 sq. ft. two-story, but you’re not likely to add 1,500 sq. ft. at ground level. And if you have a septic tank and well, the location of those will limit how and where you add onto your home (or cost you a bundle to move).

4. Can you afford to move?
Consider these moving costs: sale costs for your existing home, shipping your household goods, buying window treatments and possibly furniture for the new house, costs to fix up your existing home before sale, higher utility costs (if your next house is bigger), insurance cost differences, and property taxes.

To check out all the latest listings on the market in Decatur:
http://bit.ly/DecaturHomes200k-400k

Foreclosure Starts Accelerate

Foreclosure starts continued to accelerate in August as Fannie Mae and Freddie Mac enforced more aggressive timelines on early stage delinquencies, loan data aggregator Lender Processing Services Inc. said in releasing its latest monthly loan performance report.

The pace at which seriously delinquent homeowners transition into foreclosure -- in many cases after leaving the Home Affordable Modification Program (HAMP) -- also continued to pick up, LPS said.

The 282,528 foreclosure starts initiated by lenders in August represented a 29 percent increase from the low for the year, seen in April, and was the highest level since July 2009.

That helped the total number of homes in the foreclosure process grow to 2.04 million, even as the number of delinquent loans not yet in foreclosure eased 7 percent from a year ago, to 4.95 million -- the first year-over-year decline since 2006.

All told, LPS estimates that 6.98 million mortgages -- 13.02 percent of all outstanding loans -- were past due in August, down from 7.32 million at the same time a year ago.

The five states with the highest percentage of non-current loans were Florida (23.5 percent), Nevada (21.3 percent), Mississippi (18.6 percent), Georgia (15.6 percent) and Illinois (14.4 percent).

States with the highest rates of foreclosure starts are also the ones with the highest rates of new, seriously delinquent loans, LPS said.

For the last three months, the report showed, Fannie and Freddie's loan servicers have been ramping up foreclosure starts on borrowers who are behind on their payments by only two months. Foreclosure starts are also up even more sharply among borrowers who are behind by six months or more.

Among all loans in foreclosure, the average number of days delinquent was 478, up from 361 a year ago.

To see a listing of all Decatur area foreclosures: http://bit.ly/DecaturForeclosures

Facing Foreclosure? Get Help from these 5 Professionals

When you’re facing foreclosure, it’s critical to reach out and ask for the foreclosure help you need to save money and trouble—and possibly your home. Recruit the following five pros onto your foreclosure team.

1. A foreclosure counselor
Your first step to get foreclosure help should be contacting a foreclosure counseling agency approved by the U.S. Department of Housing and Urban Development.

“A foreclosure counselor should help you evaluate your current financial situation by looking at your bank statements, tax returns, and monthly expenses and income,” says Kimberly Allman, manager of homeownership preservation at the New York Mortgage Coalition in New York City. A foreclosure counselor also can help you understand the programs available through banks and government agencies and serve as an advocate to help you communicate with your bank.

And don’t worry about money—foreclosure counselors provide foreclosure help for free. Find one at NeighborWorks America or by calling HUD’s foreclosure counseling hotline at 800-569-4287 or its foreclosure prevention hotline at 888-995-HOPE (4673).

2. A REALTOR®
A REALTOR® can help you find out if a short sale, rather than a foreclosure, is the right path for you. Use this pro to discover if you can sell your house, how quickly, and at what price.

If a short sale seems right for you, make sure your agent is experienced with these. If not, ask for a recommendation for one who is. Short sales are tough to navigate, and they’re further complicated by your loan type—FHA vs. Veterans Administration vs. conventional loans. Real estate agents who specialize in short sales will know the proper steps and order of the steps involved. They’ll also be able to navigate the many parties involved in the process and over-burdened loss mitigation departments.

Look especially for agents who have the Short Sales and Foreclosure Resource (SFR) Certification, which requires specialized training.

3. A tax expert
You’ll need a tax expert for foreclosure help if you do a short sale or deed in lieu of foreclosure. Consult with a qualified tax adviser since forgiven debt may be taxable income, says Nancy Polomis, chair of the real estate development department at the law firm of Hellmuth & Johnson in Eden Prairie, Minn. You’ll face myriad other foreclosure-related tax issues as well, which require professional advice.

Tax advisers’ hourly rates range from $150 to $250, depending on where you live. A good choice is a certified public accountant. Check with your local CPA society to see if its members offer free advice at volunteer events like those sponsored by the Illinois CPA Society. Find a list of state CPA associations at TaxSites.

Another qualified tax adviser is an enrolled agent. EAs, like CPAs, are licensed to represent clients at an IRS hearing. Find an EA at the National Association of Enrolled Agents.

4. A credit counselor
If you’re having trouble getting a loan modification, a credit counselor can give you some foreclosure help. According to the National Foundation for Credit Counseling, a counselor can advise you on managing your money and help you develop a plan to help you avoid future financial difficulties. “Often people need credit counseling because the one thing that’s holding them back from getting an affordable loan modification is high credit card payments,” says Allman. Even if foreclosure is inevitable, credit score repair can help you get back into a home sooner.

Allman often refers foreclosure clients to the nonprofit Greenpath Debt Solutions, which operates in many states. You can find a list of government-approved credit counselors from the U.S. Trustee Program.

5. An attorney
Once your lender has filed a foreclosure lawsuit, contact an attorney. A lawyer can review the lender’s foreclosure papers to determine if it actually owns your mortgage or whether your loan servicer has made mistakes in applying your payments or assessing fees, says Lisa A. Magill, an attorney at Becker & Poliakoff in Fort Lauderdale, Fla.

You may be able to avoid foreclosure, or even a short sale, if you just have more time to sell your home, acquire secondary financing, or get a new job. For example, a lawyer can usually make arrangements with the lender to give you more time by filing responses and motions in the lawsuit, says Magill.

Also consider consulting a bankruptcy attorney, who can help you discover whether bankruptcy is a viable option for avoiding foreclosure, says Polomis.

Lawyers charge $150 to $300 per hour or a flat fee of $1,000 to $2,500 to defend a foreclosure action or file a bankruptcy petition. Contact your local legal aid office, such as the Mid-Minnesota Legal Assistance, or your local bar association, like the Florida Bar, for a list of agencies that offer free legal representation. A list of state resources may be found at the National Legal Aid and Defender Association.

See all the listed foreclosures in Atlanta at: http://bit.ly/AtlantaForeclosedHomes

Close to Foreclosure? Don't Panic; Follow These Steps

A record high 2.8 million properties were hit with foreclosure notices in 2009. That’s the bad news. The good news: About two-thirds of notices don’t result in actual foreclosures, says Doug Robinson of NeighborWorks, a nonprofit group that offers foreclosure counseling.
Many homeowners find alternatives to foreclosure by negotiating with lenders, often with the help of foreclosure counselors. If you’re facing foreclosure, call your lender right now to determine your options, which can include loan modification, forbearance, or a short sale.


Foreclosure process takes time
The entire foreclosure process can take anywhere from two to 12 months, depending on how fast your lender acts and where you live. Some states allow a nonjudicial process that’s speedier, while others require time-consuming judicial proceedings.

Once you miss at least one mortgage payment, the steps leading up to an actual foreclosure sale can include demand letters, notices of default, a recorded notice of foreclosure, publication of the debt, and the scheduling of a foreclosure auction. Even when an auction is scheduled, however, it may never occur, or it may occur but a qualified buyer doesn’t materialize.

Bottom line: Foreclosure can be a long slog, which gives you enough time to come up with an alternative. Meantime, if your goal is to salvage your home, think about keeping up with payments for homeowners insurance and property taxes. Otherwise, you could compound your problems by getting hit with an uncovered casualty loss or liability suit, or tax liens.

Read the fine print
Start by reviewing all correspondence you’ve received from your lender. The letters—and phone calls—probably began once you were 30 days past due. Also review your mortgage documents, which should outline what steps your lender can take. For instance, is there a “power of sale” clause that authorizes the sale of your home to pay off a mortgage after you miss payments?

Determine the specific foreclosure laws for your state. What’s the timeline? Do you have “right of redemption,” essentially a grace period in which you can reverse a foreclosure? Are deficiency judgments that hold you responsible for the difference between what your home sells for and your loan’s outstanding balance allowed? Get answers.

Pick up the phone
Don’t give up because you missed a mortgage payment or two and received a notice of default. Foreclosure isn’t a foregone conclusion, but it’s heading in that direction if you don’t call your lender. Dial the number on your mortgage statement, and ask for the Loss Mitigation Department. You might stay on hold for a while, but don’t hang up. Once you do get someone on the line, take notes and record names.

The next call should be to a foreclosure avoidance counselor approved by the U.S. Department of Housing and Urban Development. One of these counselors can, free of charge, explain your state’s foreclosure laws, discuss alternatives to foreclosure, help you organize financial documents, and even represent you in negotiations with your lender. Be wary of unsolicited offers of help, since foreclosure rescue scams are common.

Be sure to let your lender know that you’re working with a counselor. Not only does it demonstrate your resolve, but according to NeighborWorks, homeowners who receive foreclosure counseling are 1.6 times more likely to avoid losing their homes than those who don’t. Homeowners who receive loan modifications with the help of a counselor also reduce monthly mortgage payments by $454 more than homeowners who receive a modification without the aid of a counselor.

Lender alternatives to foreclosure
Hope Now, an alliance of mortgage companies and housing counselors, can aid homeowners facing foreclosure. A self-assessment tool will give you an idea whether you might be eligible for help from your lender, and there are direct links to HUD-approved counseling agencies and lenders’ foreclosure-prevention programs.

There are alternatives to foreclosure that your lender might accept. The most attractive option that’ll allow you to keep your home is a loan modification that reduces your monthly payment. A modification can entail lowering the interest rate, changing a loan from an adjustable rate to a fixed rate, extending the term of a loan, or eliminating past-due balances. Another option, forbearance, can temporarily suspend payments, though the amount will likely be tacked on to the end of the loan.

If you’re unable to make even reduced payments, and assuming a conventional sale isn’t possible, then it may be best to turn your home over to your lender before a foreclosure is completed. A completed foreclosure can decimate a credit score, which will make it hard not only to purchase another home someday, but also to rent a home in the immediate future.

Your lender can approve a short sale, in which the proceeds are less than what’s still owed on your mortgage. A deed-in-lieu of foreclosure, which amounts to handing over your keys to your lender, is another possibility. The earlier you begin talks with your lender, the more likelihood of success.

Explore government programs
The federal government’s Making Home Affordable program offers two options: loan modification and refinancing. A self-assessment will indicate which option might be right for you, but you need to apply for the program through your lender. A Making Home Affordable loan modification requires a three-month trial period before it can become permanent.

Fannie Mae and Freddie Mac have their own foreclosure-prevention programs as well. Check to determine if either Fannie or Freddie owns your mortgage. Present this information to your lender and your counselor. Fannie and Freddie also have rental programs under which former owners can remain in recently foreclosed homes on a month-to-month basis.

The federal Home Affordable Foreclosure Alternatives program, which takes full effect in April 2010, offers lenders financial incentives to approve short sales and deeds-in-lieu of foreclosure. It also provides $3,000 in relocation assistance to borrowers. Again, talk to your lender and counselor

See Foreclosure homes in Metro Atlanta: http://bit.ly/TodaysForeclosures

12 Tips for Saving Energy in your Home Office

With roughly 34 million telecommuting adults in America—a number slated to double by 2016, according to Forrester Research—adjustments to your home office power consumption, lighting, and heating and cooling can impact the environment and your wallet—up to about $200 per year in energy costs.

Down-shift your power consumption
1. Activate power-management settings.
Home office electronics have multiple power modes: active (or “on”), active standby (“on” but consuming less than 100% power), and passive standby (or “off”), according to the nonprofit American Council for an Energy Efficient Economy, which promotes energy efficiency to consumers and government policy makers.

You can instruct your computer to move into lower-consumption modes automatically when you’ve stopped using it temporarily—during a lunch hour or phone call, for instance—yet also wake up when you’re ready to resume working. Such tactics can reduce your computer-related electricity costs by $25 to $75 per machine annually, says Energy Star.

Energy Star-rated power management features are available on Macintosh and Windows platforms (XP, Vista, 2000). Energy Star offers tips for how to adjust settings on different platforms.

Other providers offer help, too: Software vendor Verdiem offers a power management set-up tool called Edison and EnergyStar offers a similar tool called EZ Wizard, both of which guide you through the process of setting up power management.

If you’re uneasy launching power management protocols yourself, you can pay software companies’ IT pros to log on to your computer remotely and adjust your settings. Symantec, for instance, charges about $20 for its “Green PC” service.

2. Use a power strip for your computer, printer, copier, and other peripherals.
If you plug office electronics into a power strip, you can switch all of them fully off (versus leaving them in “standby” mode) with one button. Power strips cost around $3 to $12 from online retailers. Standby power—the energy that’s wasted by electronic devices that are plugged in, but not in use—represents about $100 per year in the average household’s electricity costs, says Energy Star. Assuming your home office equipment represents about 4% of your electricity bill, you could save up to $4 a year.

3. Be Energy Minded when you buy.
If you’re investing in new computer equipment, look for Energy Star-rated computers, small servers, copiers, fax machines, and adapters. Energy Star estimates that using these rated electronics in your home office can save $115 over the products’ lifetimes.

4. Consider a laptop over a desktop. Laptops use one-third the power (22 watts) of a typical desktop (68 watts) when in active mode, according to ACEEE. Annually, a laptop could save you about $19 compared with a desktop.

5. Opt for a flat-panel vs. CRT monitor. A cathode-ray tube monitor consumes about 70 watts of power, while an LCD or flat-panel eats only 27, according to ACEEE data. That’s about $1 in savings over year.

Reduce lighting costs
6. Replace traditional bulbs with compact fluorescents. By replacing one 60-watt incandescent bulb with an equivalent compact fluorescent in a home office where lights are on for eight hours per day, you could save up to $15 per year, according to Energy Star.

7. Buy CFL versions of halogen lights. If you like the look or brightness of halogen or torchiere lamps, the The Edison Electric Institute recommends buying compact fluorescent versions that consume less than 25% of the power (55 to 65 watts) of conventional versions (300 watts) and cost about the same.

8. Consider task lighting. Opting for a desk lamp versus whole-room lighting lets you use fewer bulbs concurrently, according to The Institute.

9. Locate lamps in corners. The adjoining walls will magnify the light across the room.

10. Turn off lights when leaving a room.

Keep heating and cooling costs at bay
11. Lower thermostats 10% during the day (to 62, for instance, from 68). This can save up to 10% on annual heating and cooling bills, according to the DOE, or about $100 per year. Supplement with thick slippers and sweaters in winter and keep windows open in summer, with shades down in the afternoon.

12. Use a space heater in winter and a portable or ceiling fan in summer. Both room-specific solutions cost far less than running whole-house systems at maximum capacity. Using fans or space heaters will eat into your savings for lowering the thermostat, but not nearly as much as using a central heating or cooling system throughout the house. Fans can run $25-$150; space heaters, $10-$80 at online retailers.

If your office is one-third the size of your house or smaller, you can safely estimate that space heating will be more cost-effective than heating the entire home just for the sake of the office, according to NYSEG, a utility company in Rochester, N.Y.

Optimizing your home office for maximum energy efficiency requires little effort, but can help lower your home’s overall energy consumption and annual utility bill without hampering productivity.

To see all the homes with home offices that are available in the Atlanta area go to: http://www.anzianorealestate.com/

Save Energy in the Family Room. Part One in the Energy Saving Series

Reduce your electricity bills by systematically purging your family room of wasteful energy practices.

The fun—a video game console, TV, DVR, DVD, and stereo system—that your family room provides comes with a price. By reducing standby power, using rechargeable batteries in remotes, and replacing incandescent bulbs with compact fluorescents, you could save up to $130 a year in energy costs.

And if you’re in the market for a new TV, you can save even more energy by being flexible on the type you buy.

1. Reconsider that plasma TV. The three biggest energy hogs in the family room are the plasma television, DVR/Tivo box, and digital cable box, says the nonprofit American Council for an Energy Efficient Economy, which promotes energy efficiency to consumers and government policymakers.

A typical plasma TV (less than 40 inches) consumes 441 kilowatt hours of electricity per year, according to ACEEE. That translates into about $50 (based on 11.3 cents per kilowatt hour). Next up are TiVo devices at $41 annually, followed by digital cable boxes at $27. Both devices are always fully on because they constantly receive and download data.

Opting for an LCD (liquid crystal display) TV will cost about $8 to operate annually—for an annual savings of about $42 over the plasma. Of course, weigh your decision against the cost of a new TV.

2. Reduce standby power. Vampire power—the energy that’s wasted by electronic devices that are plugged in, but not in use—represents about $100 per year in the average household’s electricity costs, says Energy Star. Assuming the family room represents about 15% of your electricity bill, you could save about $15 per year with smart standby practices.

Unplug rarely used electronics (like that karaoke machine) altogether and cluster other appliances, even adapters for cell phones and digital cameras, onto power strips ($3-$12 for a six-outlet strip). Then you can fully turn off all attached electronics with one switch.

Unfortunately, some family room electronics, such as set-top boxes and downloading devices like TiVo, can’t be turned off, because that would disrupt the digital data-gathering you’ve programmed them to do. But with a so-called smart power strip (about $20 to $40 through online retailers), you can completely turn off your TV while leaving the always-on DVR plugged in.

3. Opt for Energy Star-rated electronics. They’re anywhere from 6% (audio products) to 75% (DVD players) more efficient than non-rated electronics. Take Energy Star-rated television sets. They use about one-third less energy than their nonrated counterparts.

If you can’t live without plasma, consider an Energy Star model for which you’ll pay $18 less per year in operating costs than for a nonrated one. If you use an Energy Star-rated digital cable box (ask your provider if any are available for no charge), you could pay 30% less for energy—an annual savings of about $8.50. Energy Star hasn’t yet published data on swapping out a DVR or Tivo device.

4. Invest in rechargeable batteries. No, they won’t help you save on your electric bill. But you’ll save on the cost of batteries for your video game system and other entertainment remotes, according to PJ Stafford, founder of Green Irene, an eco-consulting company that provides energy and environmental makeovers to homeowners. You’ll help the environment, too. For every rechargeable battery you buy, you prevent at least 500 single-use batteries from entering the waste stream, Stafford says.

Consider a game system charger station, which runs about $25, or outfit your media room with 10 rechargeable batteries and two chargers for $55 to $65. (Rechargeable AA and AAA batteries cost $3 to 3.50 apiece, versus 75 cents to $1 for disposables; a charger costs $25 to $30.) That investment in rechargeable batteries and chargers, in lieu of 500 batteries over four years, adds up to about $310 to $445 in savings. Buying a charging system for your video game system eliminates the need to buy batteries for the controllers.

Call your local trash collection service to find out which batteries can be recycled or taken to a transfer station versus being thrown away. If you’re doing a major sweep-out of old batteries and appliances, consider Big Green Box, which lets you send your devices and batteries to a sustainable processing facility. Recycle old rechargeable batteries for free via programs like Call 2 Recycle.

5. Replace bulbs with compact fluorescents. By replacing one 60-watt incandescent bulb with the equivalent compact fluorescent in a family room where lights are on for four hours per day, you could save $7 per year. CFLs cost between $2 and $15.

See all the energy efficient homes in Metro Atlanta.

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• 10 Easy Energy Saving Tips to Save Energy at Home and Office (saving-energy.suite101.com)

The Right Garage Door Enhances Curb Appeal...Adds Value, Too!

No longer 'Plane Jane' your garage door should
make an integral statement about your home.

The garage door is the largest working part of a house and often its most prominent feature. So when you’re buying, you want to choose carefully. The annual Cost vs. Value Report from Remodeling Magazine doesn’t track garage doors specifically, but the most recent report found that exterior improvements accounted for eight of the top 10 projects in terms of recouping value when a house sells. The right garage door can make or break many of those curb-appeal enhancements.
“Especially on houses where the garage is front and center, the garage door absolutely has to look good,” says Casey McGrath, a real estate practitioner in Kitsap County, Wash. And it has to operate smoothly: Americans use the garage more than any other entry to the house, including the front door, according to a survey commissioned by window and door manufacturer JELD-WEN.

What a garage door costs
A new door should cost significantly less than the amount it may add to the value of your house. For a standard door in wood or steel, installed costs typically range between $550 and $1,650 for a single door, and $800 to $2,500 for a double door. But if you’re looking at a heavy-duty aluminum door, or a custom-made design in exotic wood, the cost could easily reach $10,000.

Depending on the style and precise dimensions, two single doors may or may not be any more expensive than one double door. A second door opener adds $150 to $250.

Types of garage doors
Garage doors come in four basic types: They may swing out, swing up, roll up, or slide to the side.

Swing-out carriage-house doors or sliding barn doors are a good choice if you need to keep the ceiling clear or if you want their distinctive look. Otherwise, the most popular option by far is the sectional roll-up door.

Before purchasing a roll-up door, measure the space between the top of the garage door opening and the ceiling or overhead framing. Standard tracks require headroom of about 14 inches. If you don’t have that, you can get low-headroom track, which costs about $100 more. There are also tracks specially made for garages with unusually high walls or cathedral ceilings.

Choosing the right style
It’s important to pick a door that suits the style of your house. If you live in a Craftsman bungalow, for example, you might want something that looks like the swing-out doors found on garages behind early Craftsman houses. Manufacturers of modern roll-up doors make them in styles that mimic the old swing doors, complete with faux strap hinges on the sides and a pair of handles flanking a deep groove in the center.

Most styles, whether traditional or contemporary, feature panels, trim, and other detailing. Doors with true frame-and-panel construction tend to be sturdier than those with decorative detail that is merely glued or nailed on. Many styles have glass panels on the top row, which looks inviting from the street and brings daylight inside. You can also find roll-up doors with shatterproof glass or frosted plastic in all the panels, for a more modern look.

Common garage door materials
Wood: Wood offers a charm and authenticity that other materials merely mimic. Wood doors can be made locally in whatever size you need, and they stand up well to bumps from basketballs. The downside is that they require frequent repainting or refinishing, especially if you live in a damp climate.

Wood doors range from midprice to very expensive, depending on whether they consist of a lightweight wooden frame filled with foam insulation and wrapped in a plywood or hardboard skin (the least expensive) or are true frame-and-panel doors made of durable mahogany, redwood, or cedar. Wood doors usually carry a short warranty, perhaps only one year.

Steel: Metal is a better choice than wood if you don’t want a lot of maintenance. Steel leads the pack because it is relatively inexpensive yet tough. Bare steel rusts, so you need to touch up scratches promptly, and steel also dents.

Minimize this risk by choosing doors with sturdy 24- or 25-gauge panels rather than 27- or 28-gauge (the higher the gauge number, the thinner the metal). Or consider a steel door with a fiberglass overlay, which resists dents and doesn’t rust. Fiberglass will need periodic repainting or restaining, though, because the color fades over time.

High-quality steel doors may have lifetime warranties on the hardware, laminations between the steel and any insulation, and factory-applied paint. Budget doors tend to have shorter warranties on some components, such as paint and springs.

Aluminum: Inexpensive aluminum doors, once common, have largely been replaced by sturdy versions with heavy-duty extruded frames and dent-resistant laminated panels. Rugged and rust-proof, these are a wonderful choice—if you can spend $10,000 or so on a garage door.

Less expensive aluminum doors have aluminum frames and panels made of other materials, such as high-density polyethylene. Because of its light weight, aluminum is a good choice if you have an extra-wide double door; it won’t put as much strain on the operating mechanism.

Insulation and energy savings
Considering the size of a garage door, it might seem obvious that you should invest in one that’s insulated. Because of its sandwich construction, an insulated door is more durable, and the enclosed back panel gives a garage interior a more finished look.

But the insulation won’t save energy unless you heat the garage or treat your attached garage as part of the “conditioned” part of your house. The federal Energy Star program recommends against doing this if you park cars, store lawn chemicals, or use solvents there because it could let dangerous fumes inside; it’s better to insulate only the shared wall and use that as the indoor-outdoor boundary.

If you do have an insulated garage and are shopping for an insulated door, you might qualify for a federal tax credit for 30% of the cost of the door, up to a maximum credit of $1,500. Energy Star doesn’t certify garage doors, so you’ll have to check with the manufacturer or retailer to make sure your choice qualifies.

Click here and see all the homes in your favorite Atlanta area.

The Right Garage Door Enhances Curb Appeal...Adds Value, Too!

No longer 'Plane Jane' your garage door should
make an integral statement about your home.

The garage door is the largest working part of a house and often its most prominent feature. So when you’re buying, you want to choose carefully. The annual Cost vs. Value Report from Remodeling Magazine doesn’t track garage doors specifically, but the most recent report found that exterior improvements accounted for eight of the top 10 projects in terms of recouping value when a house sells. The right garage door can make or break many of those curb-appeal enhancements.
“Especially on houses where the garage is front and center, the garage door absolutely has to look good,” says Casey McGrath, a real estate practitioner in Kitsap County, Wash. And it has to operate smoothly: Americans use the garage more than any other entry to the house, including the front door, according to a survey commissioned by window and door manufacturer JELD-WEN.

What a garage door costs
A new door should cost significantly less than the amount it may add to the value of your house. For a standard door in wood or steel, installed costs typically range between $550 and $1,650 for a single door, and $800 to $2,500 for a double door. But if you’re looking at a heavy-duty aluminum door, or a custom-made design in exotic wood, the cost could easily reach $10,000.

Depending on the style and precise dimensions, two single doors may or may not be any more expensive than one double door. A second door opener adds $150 to $250.

Types of garage doors
Garage doors come in four basic types: They may swing out, swing up, roll up, or slide to the side.

Swing-out carriage-house doors or sliding barn doors are a good choice if you need to keep the ceiling clear or if you want their distinctive look. Otherwise, the most popular option by far is the sectional roll-up door.

Before purchasing a roll-up door, measure the space between the top of the garage door opening and the ceiling or overhead framing. Standard tracks require headroom of about 14 inches. If you don’t have that, you can get low-headroom track, which costs about $100 more. There are also tracks specially made for garages with unusually high walls or cathedral ceilings.

Choosing the right style
It’s important to pick a door that suits the style of your house. If you live in a Craftsman bungalow, for example, you might want something that looks like the swing-out doors found on garages behind early Craftsman houses. Manufacturers of modern roll-up doors make them in styles that mimic the old swing doors, complete with faux strap hinges on the sides and a pair of handles flanking a deep groove in the center.

Most styles, whether traditional or contemporary, feature panels, trim, and other detailing. Doors with true frame-and-panel construction tend to be sturdier than those with decorative detail that is merely glued or nailed on. Many styles have glass panels on the top row, which looks inviting from the street and brings daylight inside. You can also find roll-up doors with shatterproof glass or frosted plastic in all the panels, for a more modern look.

Common garage door materials
Wood: Wood offers a charm and authenticity that other materials merely mimic. Wood doors can be made locally in whatever size you need, and they stand up well to bumps from basketballs. The downside is that they require frequent repainting or refinishing, especially if you live in a damp climate.

Wood doors range from midprice to very expensive, depending on whether they consist of a lightweight wooden frame filled with foam insulation and wrapped in a plywood or hardboard skin (the least expensive) or are true frame-and-panel doors made of durable mahogany, redwood, or cedar. Wood doors usually carry a short warranty, perhaps only one year.

Steel: Metal is a better choice than wood if you don’t want a lot of maintenance. Steel leads the pack because it is relatively inexpensive yet tough. Bare steel rusts, so you need to touch up scratches promptly, and steel also dents.

Minimize this risk by choosing doors with sturdy 24- or 25-gauge panels rather than 27- or 28-gauge (the higher the gauge number, the thinner the metal). Or consider a steel door with a fiberglass overlay, which resists dents and doesn’t rust. Fiberglass will need periodic repainting or restaining, though, because the color fades over time.

High-quality steel doors may have lifetime warranties on the hardware, laminations between the steel and any insulation, and factory-applied paint. Budget doors tend to have shorter warranties on some components, such as paint and springs.

Aluminum: Inexpensive aluminum doors, once common, have largely been replaced by sturdy versions with heavy-duty extruded frames and dent-resistant laminated panels. Rugged and rust-proof, these are a wonderful choice—if you can spend $10,000 or so on a garage door.

Less expensive aluminum doors have aluminum frames and panels made of other materials, such as high-density polyethylene. Because of its light weight, aluminum is a good choice if you have an extra-wide double door; it won’t put as much strain on the operating mechanism.

Insulation and energy savings
Considering the size of a garage door, it might seem obvious that you should invest in one that’s insulated. Because of its sandwich construction, an insulated door is more durable, and the enclosed back panel gives a garage interior a more finished look.

But the insulation won’t save energy unless you heat the garage or treat your attached garage as part of the “conditioned” part of your house. The federal Energy Star program recommends against doing this if you park cars, store lawn chemicals, or use solvents there because it could let dangerous fumes inside; it’s better to insulate only the shared wall and use that as the indoor-outdoor boundary.

If you do have an insulated garage and are shopping for an insulated door, you might qualify for a federal tax credit for 30% of the cost of the door, up to a maximum credit of $1,500. Energy Star doesn’t certify garage doors, so you’ll have to check with the manufacturer or retailer to make sure your choice qualifies.

Click here and see all the homes in your favorite Atlanta area.

8 Tips to Improve Your Curb Appeal

Curb appeal has always been important for homesellers. With the vast majority of today’s homebuyers starting their search on the Internet, the appearance of your property is more critical than ever. You only have a few seconds to catch their attention as they scroll through listings online to get them to stop and take a closer look.

But the role of curb appeal goes beyond just making a good first impression. The way your house looks from the street can impact its value. It can also shorten the time it takes to sell your house.

Real estate agents, appraisers, home stagers, landscape designers, and home inspectors were asked which curb appeal projects offer the most value when your house is on the market, both in terms of its marketability and dollars. Here is what they reported to the Realtor Association:

1. Paint the house.
Hands down, the most commonly offered curb appeal advice from our real estate pros and appraisers is to give the exterior of your home a good paint job. Buyers will instantly notice it and appraisers will note it on the valuation.

“Paint is probably the number one thing inside and out,” says Frank Lucco, managing partner of Houston-based IRR-Residential Appraisers and Consultants. “I’d give additional value for that. If you’re under two years remaining life (on the paint job), paint the exterior because it tends to show wear badly.”

Just make sure you stay within the range of accepted colors for your market. A house that’s painted a wildly different color from its competition will be marked down in value by appraisers.

2. Have the house washed.
Before you make the investment in a paint job, though, take a good look at the house. If it’s got mildew or general grunge, just washing the house could make a world of difference, says Valerie Torelli, a California real estate agent with a background in accounting.

Before she puts a house on the market, Torelli often does exterior makeovers on her clients’ homes, a service she pays for herself to get higher selling prices. Overall, she says her goal is to spend less than $5,000, with a goal of generating an extra $10,000 to $15,000 on the sale price.

Torelli specifies pressure-washing—a job that should be left to professionals. Pressure washing makes the house look “bright and clean in addition to getting rid of unsightly things like cobwebs, which may not be seen from the yard but will detract from the home’s cleanliness when seen up close,” she says.

The cost to have a professional cleaning should be a few hundred dollars—a fraction of the cost of having the house painted.

3. Trim the shrubs and green up the yard.
California real estate agent Valerie Torelli says she puts a lot of emphasis on landscaping, such as cutting down overgrown bushes and replacing them with leafy plants and annuals mulched with beautiful reddish-brown bark. “It runs me $30 to $50,” says Torelli. “Do you get a return on your money? Absolutely. It sucks people in.”

You also don’t want bare spots. Take the time to fertilize the yard, throw out some grass seed, and if need be, add some sod.

4. Add a splash of color.
It could be a flower bed of annuals by the mailbox, a paint job for the front door, or a brightly colored bench or an Adirondack chair. “You can get a cute little bench at Home Depot for $99,“ Torelli notes. “Spray paint it bright red or blue and set it in the yard or on the front porch.”

It’s not a bad idea, but don’t plan on getting extra points from an appraiser for a red bench, says John Bredemeyer, president of Realcorp in Omaha. “It’s difficult to quantify, but it does make a home sell more quickly,” Bredemeyer says. “Maybe yours sold a couple weeks faster than the house down the street. That’s the best way to look at these things.”

5. Add a fancy mailbox and house numbers.
An upscale mail box and architectural house numbers or an address plaque can give your house a distinctive look that stands out from everyone else on the block. Torelli makes them a part of her exterior makeovers “I’ve gotten those hand-painted mailboxes,” she says. “A nice one runs you $40 to $50.” Architectural house numbers may run as high as a few hundred dollars.

6. Repair or clean the roof.
Springfield, Va.-based home inspector and former builder Reggie Marston says the roof is one of the first things he looks at in assessing the condition of a home. He’ll look at other houses in the neighborhood to see if there are a lot of replaced roofs and see if the subject house has one as well. If not, he’ll look for curls in the shingles or missing shingles. “I’m looking at the roof for end-of-life expectancy,” he says.

You can pay for roof repairs now, or pay for them later in a lower appraisal; appraisers will mark down the value by the cost of the repair. That could knock thousands of dollars off your appraisal. According to Remodeling Magazine’s 2009-2010 Cost vs. Value Report, the average cost of a new asphalt shingle roof is more than $19,000.

“Roofs are issues,” Lucco says. “You won’t throw money away on that job. You gotta have a decent roof.”

Stains and plant matter, such as moss, can be handled with cleaning. It’s a job that can often be done in a day for a few hundred dollars, and makes the roof look like new. It’s not a DIY project; call a professional with the right tools to clean it without damaging it.

7. Put up a fence.
A picket fence with a garden gate to frame the yard is an asset. A fence has more impact in a family-oriented neighborhood than an upscale retirement community, Bredemeyer says, but in most instances, appraisers will give extra value for one, as long as it’s in good condition. “Day in a day out, a fence is a plus,“ Bredemeyer says. Expect to pay $2,000 to $3,500 for a professionally installed gated picket fence 3 feet high and 100 feet long. And, remember to check your HOA (home owners association) rules and regs before you start a fence project.

8. Perform routine maintenance and cleaning.
Nothing sets off subconscious alarms like hanging gutters, missing bricks from the front steps, or lawn tools rusting in the bushes. It makes even the professionals question what else hasn’t been taken care of.

“A house is worth less if the maintenance isn’t done,” Lucco says. “Those little things can add up and be a very big detractor. When people say, ‘I’d buy it if it weren’t for all the deferred maintenance,’ what they’re really saying is, ‘I’d still buy it if you reduce the price.’”

And....for a quick look at all the metro Atlanta homes on the market right this minute please visit www.AnzianoRealEstate.com/

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Outdoor Lighting for Curb Appeal and Safety

Think about it: Most of your guests (and if your home is on the market, many would-be buyers) see your home only in the evening, when its best features may be lost in the shadows. Well-executed outdoor lighting enhances architectural detail and plays up landscape features, casting your home in the best possible light and adding an abundance of curb appeal.

Outdoor lighting also adds value. Judith Patriski, an appraiser and owner of Quad Realty Co. near Cleveland, estimates that for upper-bracket homes, an investment in outdoor lighting can yield a 50% return. “When you pull into a driveway and see a gorgeous home, you’re going to pay more for it,” says Patriski.

And she emphasizes that it’s not only about aesthetics: “In all price ranges, lighting for security is important”—both to protect against intruders and falls. Here are the elements of successful outdoor lighting.

Mimicking moonlight
Much of the success of exterior lighting hinges on its design. Hang around lighting designers long enough and you’ll hear a lot of talk about “moonlight effect.” That’s a naturalistic look that features light no more intense than that of a full moon, but still strong enough to make beautiful shadows and intense highlights.

Other techniques outdoor lighting designers use:

Highlight trees: Whether illumined from below or given presence by a light mounted in the tree itself, trees make stunning features.

Use uplights: Uplighting is dramatic because we expect light to shine downward. Used in moderation, it’s a great way to highlight architectural and landscaping features.

Have a focus: The entryway is often center stage, a way of saying, “Welcome, this way in.”
Combine beauty and function: For example, adding lighting to plantings along a pathway breaks up the “runway” look of too many lights strung alongside a walk.

Vary the fixtures: While the workhorses are spots and floods, designers turn to a wide range of fixtures, area lights, step lights, and bollards or post lights.

Stick to warm light: A rainbow of colors are possible, but most designers avoid anything but warm white light, preferring to showcase the house and its landscape rather than create a light show.

Orchestrate: A timer, with confirmation from a photocell, brings the display to life as the sun sets. At midnight it shuts shut down everything but security lighting. Some homeowners even set the timer to light things up an hour or so before dawn.

Adding safety and security
Falls are the foremost cause of home injury, according to the Home Safety Council. Outdoors, stair and pathway lighting help eliminate such hazards.

Often safety and security can be combined. For example, motion-detecting security lighting mounted near the garage provides illumination when you get out of your car at night; the same function deters intruders. Motion detecting switches can also be applied to landscape lighting to illumine shadowy areas should anyone walk nearby.

Even the moonlight effect has a security function: Soft, overall landscape lighting eliminates dark areas that might hide an intruder, exposing any movement on your property. Overly bright lights actually have a negative effect, creating undesirable pockets of deep shadow.

Switching to LEDs
Once disparaged for their high cost and cold bluish glow, LEDs are now the light source of choice for lighting designers. “They’ve come down in price and now have that warm light people love in incandescent bulbs,” says Paul Gosselin, owner of Night Scenes Landscape Lighting Professionals in Kingsland, Texas. “We haven’t installed anything but LEDs for the last year.”

Although LED fixtures remain twice as expensive as incandescents, installation is simpler because they use low-voltage wiring. “All in all, LEDs cost only about 25% more to install,” Gosselin says. “And they’ll save about 75% on your electricity bill.”

Another advantage is long life. LEDs last at least 40,000 hours, or about 18 years of nighttime service. With that kind of longevity, “why should a fixture have only a two-year warranty?” asks Gosselin. He advises buying only fixtures with a 15-year warranty, proof that the fixture’s housing is designed to live as long as the LED bulbs inside.

Innovations
The growing popularity of exterior lighting has led to innovative fixtures. Here are some bright new ideas:

Solar lighting: When first introduced, solar pathway lights produced a dull glow that rarely made it through the night. They do much better now that they are equipped with electricity-sipping LEDs, more efficient photovoltaic cells, and better batteries. Still, they have yet to measure up to hard-wired systems.

Hybrids: Porch lights now come equipped with LED lighting for all night use, and a motion sensor that clicks on an incandescent bulb to provide extra illumination as you approach the front door. Hybrids use about 5% of the power a solely incandescent fixture requires.

Barbecue light: Tired of grilling steaks by flash light? Now you can buy a gooseneck outdoor light, ideal for an outdoor kitchen.

Estimating the cost
Total outdoor lighting costs will vary according to the size of your home and the complexity of your lighting scheme. Expect to pay about $325 for each installed LED fixture. LEDs also require a transformer to step the power down from 120 volts to 12 volts, running about $400 installed.

A motion detector security light costs about $150 installed. Porch lights and sconces range from $100 to $250 installed, depending the fixture and whether running new cable is necessary.

Contractor-installed outdoor lighting for an average, two-story, 2,200 sq. ft. house might add up as follows:

7 fixtures to cover 100 feet of LED pathway lighting: $2,275
Transformer: $400
4 LED uplights to dramatize the front of the house: $1,300
2 LED area lights for plantings: $650
2 motion detector security lights: $300

Total cost: $4,925

Author Dave Toht has written or edited more than 60 books on home repair and remodeling, including titles for The Home Depot, Lowe’s, Better Homes & Gardens, Sunset, and Reader’s Digest. A former contractor, Dave was editor of Remodeling Ideas magazine and continues to contribute to numerous how-to publications.

Please share this article and this blog with your friends; then, see all the pretty (and well lit homes) in your favorite Atlanta area: www.AnzianoRealEstate.com

Home Office...What's Deductable?

If you work from home, even on a part-time basis, you can probably save a few dollars come tax time.

That’s because if you itemize your deductions on your federal tax return, you can write off as a business expense part of the cost of owning and operating your home. Everything from electric bills to property taxes may be fair game.

Those tax deductions can add up, thus lowering your taxable income and reducing the amount you owe Uncle Sam. Before you start spending that refund, however, there are a few rules you need to understand and heed. It’s a good idea to consult a tax adviser to be sure that you’re filing the right schedules and maximizing your deductions.

Passing the IRS litmus test
To meet IRS guidelines, your home office must be your principal place of business, or the place you see clients in the normal course of business. Parts of your home you use to store products or equipment for your business also count. That doesn’t mean that all your work has to be done from home. If you’re an outside salesperson, you probably spend most of your work time elsewhere. But if you do you billing and return customer calls primarily from your home, your home office should qualify.

You can also qualify for the deduction if your employer requires you to work from home, as long as you don’t charge your employer rent. One big catch is that you can’t deduct expenses for your home office if you choose to work at home even though your employer provides you with an office. IRS Form 8829 can be used by self-employed workers to calculate the home office deduction, which should be reported on Schedule C.

Measuring your home office
The amount you can deduct for your home office depends on the percentage of your home used for business. Your work space doesn’t need to be a separate room—a table in a corner qualifies. But it has to be an area that’s used solely for business. The tax break also covers separate structures on your property, like a detached garage you’ve converted to an office. Unlike an office inside your home, a separate structure doesn’t have to be your main place of business to qualify for a deduction. That’s because the IRS believes your family is less likely to use a separate structure as a part-time play area or den, says Mark Luscombe, principal analyst for tax and consulting at CCH.

To calculate what percentage of your house the home office occupies, divide your home office’s square footage by the total square footage of your home. If your home is 3,000 square feet and your office is 150 square feet, for example, you’d use 5% to calculate your deductions. Not sure how big your house is? Check the documents you received when you bought your home—there’s probably a detailed rendering—or measure the outside of your home and multiply length times width.

What can you deduct?
Once you’ve figured out what percentage of your home you use for business, you can apply that percentage to different home expenses. These include:

• Mortgage interest


• Real estate taxes


• Utilities (heating, cooling, lights)


• Home repairs and maintenance (painting, cleaning service)


• Homeowners insurance premiums

Just take each expense and multiply it by your home office percentage (the 5% mentioned above). That’s the amount you can deduct as a business expense. So if you spend $150 a month on electricity, you can deduct $7.50 as a business expense. That adds up to a $90 deduction per tax year. If your annual business expenses total $10,000, your deduction is $500. In 2009, lowering your taxable income by $500 to $99,500 would’ve cut your tax bill by $113.

Save bills or cancelled checks to prove what you spent in case of an IRS audit. Take an hour a week to file them away. Also, only repairs can be expensed; improvements must be depreciated. One catch: You can only deduct expenses if your business generates income. Expense deductions are limited if they exceed your gross business income, says Mark Steber, chief tax officer at Jackson Hewitt Tax Service.

Don’t forget depreciation
Depreciation is based on the idea that everything—even something like a home—wears out eventually. To figure home office depreciation, start by calculating the tax basis of your home: generally the purchase price plus the cost of improvements, minus the value of the land it sits on. Next, multiply the tax basis by the percentage of your home used for work. This gives you the tax basis for you home office. Finally, multiply that by a depreciation percentage that’s set periodically by the IRS. There are caveats. For a crash course, read IRS Publication 946 or talk to a tax professional.

One reason to think twice before taking depreciation on your home office is that it reduces the capital gains deduction you can get when you sell a home. If you’ve deducted depreciation, you have reduced your capital gains exemption ($250,000 of profit if you’re a single filer, $500,000 for joint filers) by the depreciated amount. That could mean you’ll owe taxes when you sell, especially if you’ve lived in your home for a while.

This article was written by Donna Fuscaldo who has written about personal finance for more then a decade for Dow Jones Newswites, the Wall Street Journal and Fox Business Newsprovides; she caveats that this is general information about tax laws and consequences, but is not intended to be relied upon by readers as tax or legal advice applicable to particular transactions or circumstances. Readers should consult a tax professional for such advice, and are reminded that tax laws may vary by jurisdiction.

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