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	<title>REMERICA Hometown One</title>
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	<description>Michigan Real Estate Blog</description>
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		<link>http://www.hometownone.com/blog/index.php/2012/03/222/</link>
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		<pubDate>Thu, 22 Mar 2012 17:49:33 +0000</pubDate>
		<dc:creator>broker</dc:creator>
				<category><![CDATA[Home Ownership]]></category>

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		<description><![CDATA[Spring Cleaning Guide Article From HouseLogic.com By: Alyson McNutt English Published: September 30, 2009 Make spring cleaning less of a chore by following these smarter&#8211;and mostly greener&#8211;tips for this annual rite of homeownership. Spring cleaning is a time-honored tradition. After &#8230; <a href="http://www.hometownone.com/blog/index.php/2012/03/222/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Spring Cleaning Guide<br />
Article From HouseLogic.com</p>
<p>By: Alyson McNutt English<br />
Published: September 30, 2009</p>
<p>Make spring cleaning less of a chore by following these smarter&#8211;and mostly greener&#8211;tips for this annual rite of homeownership.</p>
<p>Spring cleaning is a time-honored tradition. After a long winter, you throw open the windows, let in fresh air, and scrub down the house. But modern spring cleaning presents challenges your grandmother never imagined. Today&#8217;s homes are bigger, and the choice of cleaning supplies seemingly endless.<br />
While you&#8217;ll need to devote a day or two to this annual maintenance project, make it less of a chore by picking the right tools and methods. And by taking an environmentally friendly approach, you can also protect the well being of your family. Give this space-by-space cleaning guide a whirl this spring-or during any season, for that matter, when grime and clutter become unbearable.</p>
<p>Bathrooms</p>
<p>When it&#8217;s time to get down and dirty, many people start with the bathroom. Allen Rathey, founder of The says removing mineral deposits, rust, and such from toilets doesn&#8217;t have to mean chemical warfare. Don rubber gloves and use a pumice stone to erase stubborn stains. If you want more scouring power, Rathey recommends mixing baking soda with acidic vinegar. The concoction is just as effective as conventional cleaners, and there are no toxic fumes to inhale. This approach works equally well on tub and shower stains.</p>
<p>Buy your supplies in bulk to save. A 64-ounce bottle of vinegar costs about $4; a 12-pound bag of baking soda, about $7. Both items can be used throughout the house. For just $1 you can mix equal parts vinegar and water in a 32-ounce spray bottle to make a terrific all-purpose surface cleaner. That&#8217;s about $4 cheaper than buying a spray cleaner at the store.</p>
<p>Spring cleaning is the perfect time to extract dirt from porous grouted surfaces. For tile floors use your usual cleaner, but don&#8217;t mop. Instead, run a wet/dry vac, which will suck contaminants out of the grout. Mopping drives the grime into the grout rather than removing it. According to Rathey, grout can harbor stinky bacteria that leave a bad odor in the bathroom. This technique is more time-consuming than mopping, but it&#8217;s worthwhile to do at least once a year.</p>
<p>Kitchens</p>
<p>The kitchen can be a tough room to clean because there&#8217;s usually so much stuff in it, says Justin Klosky, founder and creative director of The OCD Experience, an organizational service. Before you break out the broom, go through your cabinets and drawers, and put together a box of items to donate and a box of items to store somewhere besides the kitchen. Clear your countertops of everything except items you use nearly every day.</p>
<p>After you&#8217;ve de-cluttered, you can get to work cleaning. Cloud Conrad, vice president of marketing for cleaning company Maid Brigade (http://www.maidbrigade.com), says one tool you shouldn&#8217;t overlook is an all-purpose microfiber cloth (about $5). These aren&#8217;t run-of-the-mill dusting rags. Microfiber is a densely woven synthetic fabric that picks up dirt and greasy deposits without chemicals thanks to its unique composition. You should be able to clean surfaces like countertops, sinks, and stoves with warm water, a microfiber cloth, and a bit of elbow grease, Conrad says.</p>
<p>Since you prepare your food in the kitchen, consider using green commercial products for surfaces, or make your own vinegar/water spray. Conventional cleaners may remove dirt, but they can also harbor some nasty substances you don&#8217;t want in your PB&#038;J. Microfiber, vinegar, and baking soda will clean and disinfect almost every kitchen surface at a fraction of the price. Don&#8217;t neglect once-a-year chores like vacuuming refrigerator coils (unplug your fridge first), and tossing out expired food from the back of the pantry.<br />
<strong>Bedrooms</strong><br />
Since bedrooms are such individual spaces, there&#8217;s a lot of diversity in what needs to happen. Most homeowners should at least rotate and flip innerspring mattresses, and store out-of-season sheets and clothing. Also go through your closet, and donate or Freecycle (http://www.freecycle.com) items you haven&#8217;t worn in the last 12 months. For carpets and mattresses, consider using a professional cleaning service. Figure a typical mattress will cost about $70-$90 to clean, a bargain considering how much time you spend in bed.</p>
<p>Even if you&#8217;re getting your carpet professionally cleaned, you still need to break out the vacuum, says Leslie Reichert, owner of The Cleaning Coach (http://thecleaningcoach.us/). Use the hose attachment to get to the hidden particles along baseboards, under your bed, and in your curtains, favorite environments of dust mites. If you have a large-capacity dryer, throw curtains in on high heat for good measure to kill the little pests.<br />
<strong>Living area</strong><br />
Another surface you should consider getting professionally cleaned is living room upholstery. It can be tricky to know exactly how to deep-clean different types of fabrics, says Rathey, especially if there are stains you can&#8217;t quite identify. Costs vary widely depending on the size of the furniture piece and the quality and state of its covering, but a typical sofa might run $70 to $90.<br />
Microfiber cloths are great to use in the living area as well. Make sure you have cloths for each area of the house, though, so you&#8217;re not cross-contaminating bathroom, kitchen, and living areas. Use a damp microfiber cloth to wipe down windows, wood, mirrors, the tops of bookshelves, ceiling fan blades, and even the plastic housing of electronics for a quick, chemical-free clean.</p>
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		<title>9 Unexpected Energy (and Money) Savers</title>
		<link>http://www.hometownone.com/blog/index.php/2012/03/9-unexpected-energy-and-money-savers/</link>
		<comments>http://www.hometownone.com/blog/index.php/2012/03/9-unexpected-energy-and-money-savers/#comments</comments>
		<pubDate>Mon, 19 Mar 2012 18:26:19 +0000</pubDate>
		<dc:creator>broker</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Give your pocketbook and Mother Nature a gift this season by taking advantage of these simple, surprising ways to save energy and money. Put lamps in the corners: Did you know you can switch to a lower wattage bulb in &#8230; <a href="http://www.hometownone.com/blog/index.php/2012/03/9-unexpected-energy-and-money-savers/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Give your pocketbook and Mother Nature a gift this season by taking advantage of these simple, surprising ways to save energy and money.</p>
<p>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. </p>
<p>Switch to a laptop: If you’re reading this article on a laptop, you’re using 1/3 less energy than if you’re reading this on a desktop. </p>
<p>Choose an LCD TV: If you’re among those considering a flat-screen upgrade from your conventional, CRT TV, choose an LCD screen for the biggest energy save. </p>
<p>Give your water heater a blanket: Just like you pile on extra layers in the winter, your hot water heater can use some extra insulation too. A fiberglass insulation blanket is a simple addition that can cut heat loss and save 4% to 9% on the average water-heating bill.</p>
<p>Turn off the burner before you’re done cooking: When you turn off an electric burner, it doesn’t cool off immediately. Use that to your advantage by turning it off early and using the residual heat to finish up your dish. </p>
<p>Add motion sensors: You might be diligent about shutting off unnecessary lights, but your kids? Not so much. Adding motion sensors to playrooms and bedrooms cost only $15 to $50 per light, and ensures you don’t pay for energy that you’re not using.</p>
<p>Spin laundry faster: The faster your washing machine can spin excess water out of your laundry, the less you’ll need to use your dryer. Many newer washers spin clothes so effectively, they cut drying time and energy consumption in half—which results in an equal drop in your dryer’s energy bill.</p>
<p>Use an ice tray: Stop using your automatic icemaker. It increases your fridge’s energy consumption by 14% to 20%. Ice trays, on the other hand, don’t increase your energy costs one iota. </p>
<p>Use the dishwasher: If you think doing your dishes by hand is greener than powering up the dishwasher, you’re wrong. Dishwashers use about 1/3 as much hot water and relieve that much strain from your energy-taxing water heater. Added bonus: you don’t have to wash any dishes.</p>
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		<title>Breaking News:  National Association of Realtors, Existing Home Sales Surge!  Inventory down!</title>
		<link>http://www.hometownone.com/blog/index.php/2012/02/breaking-news-national-association-of-realtors-existing-home-sales-surge-inventory-down/</link>
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		<pubDate>Tue, 28 Feb 2012 20:11:53 +0000</pubDate>
		<dc:creator>broker</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Washington, DC, February 22, 2012 Existing-home sales rose in January, marking three gains in the past four months, while inventories continued to improve, according to the National Association of Realtors®. Total existing-home sales1, which are completed transactions that include single-family &#8230; <a href="http://www.hometownone.com/blog/index.php/2012/02/breaking-news-national-association-of-realtors-existing-home-sales-surge-inventory-down/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Washington, DC, February 22, 2012 </p>
<p>Existing-home sales rose in January, marking three gains in the past four months, while inventories continued to improve, according to the National Association of Realtors®.<br />
Total existing-home sales1, which are completed transactions that include single-family homes, townhomes, condominiums and co-ops, increased 4.3 percent to a seasonally adjusted annual rate of 4.57 million in January from a downwardly revised 4.38 million-unit pace in December and are 0.7 percent above a spike to 4.54 million in January 2011.</p>
<p>Lawrence Yun, NAR chief economist, said strong gains in contract activity in recent months show buyers are responding to very favorable market conditions. “The uptrend in home sales is in line with all of the underlying fundamentals – pent-up household formation, record-low mortgage interest rates, bargain home prices, sustained job creation and rising rents.”</p>
<p>Total housing inventory at the end of January fell 0.4 percent to 2.31 million existing homes available for sale, which represents a 6.1-month supply2 at the current sales pace, down from a 6.4-month supply in December.<br />
“The broad inventory condition can be described as moving into a rough balance, not favoring buyers or sellers,” Yun said. “Foreclosure sales are moving swiftly with ready home buyers and investors competing in nearly all markets. A government proposal to turn bank-owned properties into rentals on a large scale does not appear to be needed at this time.”</p>
<p>Total unsold listed inventory has trended down from a record 4.04 million in July 2007, and is 20.6 percent below a year ago.</p>
<p>NAR President Moe Veissi, broker-owner of Veissi &#038; Associates Inc., in Miami, said buying power is enticing more potential home buyers. “Word has been spreading about the record high housing affordability conditions and our members are reporting an increase in foot traffic compared with a year ago,” he said. “With other favorable market factors, these are hopeful indicators leading into the spring home-buying season. We’re cautiously optimistic that an uptrend will continue this year.”</p>
<p>According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage was a record low 3.92 percent in January, down from 3.96 percent in December; the rate was 4.76 percent in January 2011; recordkeeping began in 1971.</p>
<p>The national median existing-home price3 for all housing types was $154,700 in January, down 2.0 percent from January 2011. Distressed homes4 – foreclosures and short sales which sell at deep discounts – accounted for 35 percent of January sales (22 percent were foreclosures and 13 percent were short sales), up from 32 percent in December; they were 37 percent in January 2011.</p>
<p>“Home buyers over the past three years have had some of the lowest default rates in history,” Yun said. “Entering the market at a low point and buying at discounted prices have greatly helped in that success.”<br />
All-cash sales were unchanged at 31 percent in January; they were 32 percent in January 2011. Investors account for the bulk of cash transactions.</p>
<p>Investors purchased 23 percent of homes in January, up from 21 percent in December; they were 23 percent in January 2011. First-time buyers rose to 33 percent of transactions in January from 31 percent in December; they were 29 percent in January 2011.</p>
<p>Forty-seven percent of NAR members report that contracts settled on time in January; 21 percent had delays and 33 percent experienced contract failures. Contract cancellations are unchanged from December but were only 9 percent in January 2011; they are caused largely by declined mortgage applications and failures in loan underwriting from appraisals coming in below the negotiated price.</p>
<p>Single-family home sales rose 3.8 percent to a seasonally adjusted annual rate of 4.05 million in January from 3.90 million in December, and are 2.3 percent above the 3.96 million-unit pace a year ago. The median existing single-family home price was $154,400 in January, down 2.6 percent from January 2011.</p>
<p>Existing condominium and co-op sales increased 8.3 percent to a seasonally adjusted annual rate of 520,000 in January from 480,000 in December but are 10.3 percent lower than the 580,000-unit level in January 2011. The median existing condo price was $156,600 in January, up 2.0 percent from a year ago.</p>
<p>Regionally, existing-home sales in the Northeast rose 3.4 percent to an annual pace of 600,000 in January and are 7.1 percent above a year ago. The median price in the Northeast was $225,700, which is 4.2 percent below January 2011.</p>
<p>Existing-home sales in the Midwest increased 1.0 percent in January to a level of 980,000 and are 3.2 percent higher than January 2011. The median price in the Midwest was $122,000, down 3.9 percent from a year ago.<br />
In the South, existing-home sales rose 3.5 percent to an annual level of 1.76 million in January but are unchanged from a year ago. The median price in the South was $134,800, which is 0.3 percent below January 2011.</p>
<p>Existing-home sales in the West jumped 8.8 percent to an annual pace of 1.23 million in January but are 3.1 percent below a spike in January 2011. The median price in the West was $187,100, down 1.8 percent from a year ago.</p>
<p>The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1 million members involved in all aspects of the residential and commercial real estate industries.</p>
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		<link>http://www.hometownone.com/blog/index.php/2012/02/211/</link>
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		<pubDate>Thu, 23 Feb 2012 17:27:35 +0000</pubDate>
		<dc:creator>broker</dc:creator>
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		<description><![CDATA[Show Your Home Pride: 7 Home Improvement Projects for $1,000 (or Less) Article From HouseLogic.com By: Lisa Kaplan Gordon Published: November 01, 2011 Americans still think buying a home is one of the best decisions they&#8217;ve ever made. Here are &#8230; <a href="http://www.hometownone.com/blog/index.php/2012/02/211/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><strong>Show Your Home Pride: 7 Home Improvement Projects for $1,000 (or Less)</strong><br />
Article From HouseLogic.com</p>
<p>By: Lisa Kaplan Gordon<br />
Published: November 01, 2011</p>
<p>Americans still think buying a home is one of the best decisions they&#8217;ve ever made. Here are some ways to increase your home&#8217;s value and comfort for less than $1,000.</p>
<p>We knew reports of the death of American home ownership (http://www.houselogic.com/support-home-ownership/why-home-ownership-matters) were greatly exaggerated (nod to Mark Twain), and now we&#8217;ve got the numbers to prove it.</p>
<p>A just-released survey by the Meredith Corp., which publishes Better Homes and Gardens magazine, says the vast majority of people polled believe owning a home is a smart financial move and a source of pride.</p>
<p>Here are some results of the 2,500 people surveyed online:<br />
	•86% of home owners still feel owning a home is a good investment.</p>
<p>	•85% feel &#8220;owning a home is one of their proudest accomplishments.&#8221;</p>
<p>	•69% of Americans who don&#8217;t currently own a home agree with the statement, &#8220;No matter what happens in the U.S. housing market, owning a home is still an important goal in my life.&#8221;</p>
<p>	•68% of Americans plan to spend money on their homes in the next six months, with roughly half (49%) expecting to pay up to $1,000.</p>
<p>A thousand bucks may not seem like a lot, but it goes long way toward improving the value and comfort of your home. Here are some projects we recommend:<br />
<strong>1. Add a new entry door</strong>. Spruce up your curb appeal and save energy by upgrading your exterior door (http://www.houselogic.com/home-advice/windows-doors/exterior-door-installation-options/). Steel doors, which can mimic many types of wood, typically run for $400 at big-box stores and offer the strongest barrier against intruders.<br />
<strong>2. Get organized</strong>. Decluttering and maximizing storage space are inexpensive ways to transform a home. Add space to kids&#8217; rooms by installing platform or bunk beds ($400-$600); neaten piles of shoes with shoe organizers ($20), which can do double duty as catch-all organizers in family room closets and kitchen pantries; extend bookshelves to the ceiling, creating storage in otherwise dead space.<br />
<strong>3. Save with a programmable thermostat.</strong> Switching from a manual to a programmable thermostat (less than $500) can save you up to $180 a year in energy costs. The latest models offer remote programming via the Internet.<br />
<strong>4. Replace cabinet hardware.</strong> If you&#8217;ve got traditional knobs and pulls, try contemporary; change from staid to whimsical. Big-box retailers often have huge selections for budget prices. (10-pack for <strong>$20).<br />
5. Update bathroom flooring</strong> (http://www.houselogic.com/home-advice/bathrooms/smart-options-bathroom-flooring/). Give bathrooms a quick facelift by replacing old tile with vinyl flooring or ceramic tile, which can cost as little as $3 per square foot for material and installation.<br />
<strong>6. Create luxury with a shower panel.</strong> Turn you bathroom into a spa with a programmable shower panel with adjustable spray jets, fog-free mirror, and multifunctional shower head. Most systems easily attach to existing plumbing. Panels typically sell for $360.<br />
<strong>7. Turn a mudroom into a garden room</strong> (http://www.houselogic.com/home-advice/planning-your-remodel/how-to-make-a-garden-room/). Bring nature inside by recasting your drab mudroom into a flower-filled garden room. (If you already have a utility sink, you&#8217;re halfway there. If not, it will cost you $200 to $350 to tap into existing, nearby plumbing, and $80 for a plastic tub.) Repurpose an old wood table into a potting bench. And hang your basket collection from J-hooks attached to a forged iron curtain rod ($100).<br />
What improvements have you made recently under $1,000? What are you planning to do in the next six months?</p>
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		<title>10 Common Errors Home Owners Make When Filing Taxes</title>
		<link>http://www.hometownone.com/blog/index.php/2012/02/10-common-errors-home-owners-make-when-filing-taxes/</link>
		<comments>http://www.hometownone.com/blog/index.php/2012/02/10-common-errors-home-owners-make-when-filing-taxes/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 17:08:52 +0000</pubDate>
		<dc:creator>broker</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[10 Common Errors Home Owners Make When Filing Taxes Article From HouseLogic.com By: G. M. Filisko Published: January 05, 2012 Don&#8217;t rouse the IRS or pay more taxes than necessary &#8212; know the score on each home tax deduction and &#8230; <a href="http://www.hometownone.com/blog/index.php/2012/02/10-common-errors-home-owners-make-when-filing-taxes/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>10 Common Errors Home Owners Make When Filing Taxes<br />
Article From HouseLogic.com</p>
<p>By: G. M. Filisko<br />
Published: January 05, 2012</p>
<p>Don&#8217;t rouse the IRS or pay more taxes than necessary &#8212; know the score on each home tax deduction and credit.</p>
<p>As you calculate your tax returns, consider each home tax deduction and credit you are &#8211; and are not &#8211; entitled to. Running afoul of any of these 10 home-related tax mistakes &#8211; which tax pros say are especially common &#8211; can cost you money or draw the IRS to your doorstep.<br />
<strong>Sin #1: Deducting the wrong year for property taxes</strong><br />
You take a tax deduction for property taxes (http://www.houselogic.com/home-advice/taxes-incentives/property-tax-exemptions/) in the year you (or the holder of your escrow account) actually paid them. Some taxing authorities work a year behind &#8211; that is, you&#8217;re not billed for 2011 property taxes until 2012. But that&#8217;s irrelevant to the feds.</p>
<p>Enter on your federal forms whatever amount you actually paid in 2011, no matter what the date is on your tax bill. Dave Hampton, CPA, tax manager at the Cincinnati accounting firm of Burke &#038; Schindler, has seen home owners confuse payments for different years and claim the incorrect amount.<br />
<strong>Sin #2: Confusing escrow amount for actual taxes paid</strong><br />
If your lender escrows funds to pay your property taxes, don&#8217;t just deduct the amount escrowed, says Bob Meighan, CPA and vice president at TurboTax in San Diego. The regular amount you pay into your escrow account each month to cover property taxes is probably a little more or a little less than your property tax bill. Your lender will adjust the amount every year or so to realign the two.</p>
<p>For example, your tax bill might be $1,200, but your lender may have collected $1,100 or $1,300 in escrow over the year. Deduct only $1,200. Your lender will send you an official statement listing the actual taxes paid. Use that. Don&#8217;t just add up 12 months of escrow property tax payments.<br />
<strong>Sin #3: Deducting points paid to refinance</strong><br />
Deduct points you paid your lender to secure your mortgage (http://www.houselogic.com/home-advice/tax-deductions/deduct-mortgage-interest/) in full for the year you bought your home. However, when you refinance, says Meighan, you must deduct points over the life of your new loan. If you paid $2,000 in points to refinance into a 15-year mortgage, your tax deduction is $133 per year.<br />
<strong>Sin #4: Failing to deduct private mortgage insurance</strong><br />
Lenders require home buyers with a down payment of less than 20% to purchase private mortgage insurance (PMI). Avoid the common mistake of forgetting to deduct your PMI payments (http://www.houselogic.com/home-advice/tax-deductions/deducting-private-mortgage-insurance/). However, note the deduction begins to phase out once your adjusted gross income reaches $100,000 and disappears entirely when your AGI surpasses $109,000. Also, unless Congress acts to extend the PMI deduction again, 2011 is the last tax year for which you can take this deduction.<br />
<strong>Sin #5: Misjudging the home office tax deduction </strong>(http://www.houselogic.com/home-advice/tax-deductions/tax-deductions-when-you-work-home/)<br />
 This deduction may not be as good as it seems. It&#8217;s complicated, often doesn&#8217;t amount to much of a deduction, has to be recaptured if you turn a profit when you sell your home, and can pique the IRS&#8217;s interest in your return. Hampton&#8217;s advice: Claim it only if it&#8217;s worth those drawbacks. If so, here&#8217;s what to know about what you can write off (http://www.houselogic.com/home-advice/tax-deductions/tax-deductions-when-you-work-home/).<br />
<strong>Sin #6: Missing the first-time home buyer tax credit</strong><br />
While the original home buyer tax credit deadline passed in April 2010 (and isn&#8217;t available in 2012), military families and some government workers on assignment outside the U.S. were given an extension until April 30, 2011 (http://www.irs.gov/newsroom/article/0,,id=215594,00.html), to get a home under contract and take advantage of up to $8,000 in tax credits for first-time buyers and $6,500 in credits for repeat buyers.<br />
It applies to any individual (and, if married, the individual&#8217;s spouse) who serves on qualified official extended duty service outside of the United States for at least 90 days during the period beginning after Dec. 31, 2008, and ending before May 1, 2010.<br />
<strong>Sin #7: Failing to track home-related expenses</strong>If the IRS comes a-knockin&#8217;, don&#8217;t be scrambling to compile your records. Many people forget to track home office and home maintenance and repair expenses, says Meighan. File away documents as you go. For example, save each manufacturer&#8217;s certification statement for energy tax credits, insurance company statements for PMI, and lender or government statements to confirm property taxes paid.<br />
<strong>Sin #8: Forgetting to keep track of capital gains</strong><br />
If you sold your main home last year, don&#8217;t forget to pay capital gains taxes on any profit. However, you can exclude $250,000 (or $500,000 if you&#8217;re a married couple) of any profits from taxes. So if you bought a home for $100,000 and sold it for $400,000, your capital gains are $300,000. If you&#8217;re single, you owe taxes on $50,000 of gains. However, there are minimum time limits for holding property to take advantage of the exclusions, and other details. Consult IRS Publication 523 (http://www.irs.gov/pub/irs-pdf/p523.pdf).<br />
<strong> Sin #9: Filing incorrectly for energy tax credits</strong>If you made any eligible improvement (http://www.houselogic.com/home-advice/tax-deductions/how-to-claim-energy-tax-credits/), fill out Form 5695 (http://www.irs.gov/pub/irs-pdf/f5695.pdf). Part I, which covers the 30%/$1,500 credit for such items as insulation and windows, is fairly straightforward. But Part II, which covers the 30%/no-limit items such as geothermal heat pumps, can be incredibly complex and involves crosschecking with half a dozen other IRS forms. Read the instructions carefully.<br />
<strong>Sin #10: Claiming too much for the mortgage interest tax deduction</strong>You can deduct mortgage interest (http://www.houselogic.com/home-advice/tax-deductions/deduct-mortgage-interest/) only up to $1 million of mortgage debt, says Meighan. If you have $1.2 million in mortgage debt, for example, deduct only the mortgage interest attributable to the first $1 million.</p>
<p>This article provides general information about tax laws and consequences, but shouldn&#8217;t be relied upon by readers as tax or legal advice applicable to particular transactions or circumstances. Consult a tax professional for such advice; tax laws may vary by jurisdiction.</p>
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		<title>10 Tips for Saving Energy in the Kitchen</title>
		<link>http://www.hometownone.com/blog/index.php/2012/01/10-tips-for-saving-energy-in-the-kitchen/</link>
		<comments>http://www.hometownone.com/blog/index.php/2012/01/10-tips-for-saving-energy-in-the-kitchen/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 16:14:49 +0000</pubDate>
		<dc:creator>broker</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.hometownone.com/blog/?p=199</guid>
		<description><![CDATA[By: Douglas Trattner Published: August 28, 2009 Maintaining your large kitchen appliances is part of a smart home energy efficiency plan. Refrigerator/freezer Energy-efficiency experts tell us to focus our efforts on the biggest energy hogs in the house, and that &#8230; <a href="http://www.hometownone.com/blog/index.php/2012/01/10-tips-for-saving-energy-in-the-kitchen/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hometownone.com/blog/wp-content/uploads/2012/01/kitchen-modern.jpg"><img src="http://www.hometownone.com/blog/wp-content/uploads/2012/01/kitchen-modern-150x111.jpg" alt="" title="kitchen-modern" width="150" height="111" class="alignleft size-thumbnail wp-image-200" /></a>By: Douglas Trattner</p>
<p>Published: August 28, 2009</p>
<p>Maintaining your large kitchen appliances is part of a smart home energy efficiency plan.</p>
<p>Refrigerator/freezer</p>
<p>Energy-efficiency experts tell us to focus our efforts on the biggest energy hogs in the house, and that definitely includes the fridge. Because it cycles on and off all day, every day, the refrigerator consumes more electricity than nearly every appliance in the home save for the HVAC systems. The average refrigerator costs about $90 per year to operate, according to the U.S. Department of Energy. The good news is that a few simple adjustments can trim roughly $38 to $45 off those utility bills.</p>
<p>1. Adjust the thermostat. By setting the thermostat colder than it needs to be, you might increase your fridge&#8217;s energy consumption by as much as 25% on average. Adjust the refrigerator so that it stays in the 37-40 degrees F range. For the freezer, shoot for between 0-5 degrees F. You could save up to $22 per year. If your model doesn&#8217;t display the current temps, invest in two appliance thermometers (one for the fridge, one for the freezer). They cost roughly $3-$20 apiece at online retailers.</p>
<p>2. Clean the coils. As dust accumulates on the condenser coils on the rear or bottom of the fridge, it restricts cool-air flow and forces the unit to work harder and longer than necessary. Every six months, vacuum away the dust that accumulates on the mechanism. Also, check to see that there is at least a 3-inch clearance at the rear of the fridge for proper ventilation. This routine maintenance can trim up to 5% off the unit&#8217;s operating cost, says energy savings expert Michael Bluejay, saving you about $4.50 a year.</p>
<p>3. Use an ice tray. Automatic ice makers are a nice convenience, to be sure, but it turns out the mechanisms are energy hogs. An automatic ice maker can increase a refrigerator&#8217;s energy consumption by 14% to 20%, according to Energy Star. By switching off the ice maker and using trays, you can save about $12 to $18 off your annual electricity bill. Most units require little more than a lift of the sensor arm to switch them off. To reclaim the space remove the entire unit, a simple DIY job on many models. </p>
<p>4. Unplug the &#8220;beer fridge.&#8221; Many homes have an extra fridge that runs year round even though it&#8217;s used sparingly. Worse, these fridges tend to be older, more inefficient models. By consolidating the contents to the main fridge and unplugging the additional unit, you eliminate the entire operating cost of a fridge. The second-best solution is to make sure the extra fridge remains three-quarters full at all times. The mass helps maintain steady internal temps and lets the fridge recover more quickly after the door is opened and closed, according to the California Energy Commission. </p>
<p>Ovens and ranges</p>
<p>&#8220;Green&#8221; cooking all comes down to proper time and space management. By using gas and electric stoves more effectively, you can painlessly save a few dollars a year.</p>
<p>5. Cut the power early. As anybody who&#8217;s ever bumped a burner on an electric stove can attest, those heating elements stay hot long after they&#8217;ve been switched off. Put that residual heat to work by shutting off the burner several minutes before the end of the cook time. The same technique can be applied to the oven. The savings can add up to a couple bucks every month.</p>
<p>6. Match the burner to pan. When a small pan is placed on a big burner you can practically see the money disappearing into thin air. By matching the burner to the pan, electricity won&#8217;t be squandered heating the kitchen rather than the food. The reverse is true, too. A small burner will take considerably longer to heat a large pan than would an appropriately sized burner. For gas stoves, don&#8217;t let the flames lick the sides of the pot. Follow these tips and watch the utility bills shrink by a few dollars a month.</p>
<p>7. Do away with preheating. You can save about $2 a month by not preheating your oven (20 cents per hour to operate electric oven; eliminate 20 30-minute preheats a month). Many cooks agree that the practice is wholly unnecessary for all but a few recipes, namely baking breads and cakes. This approach may add a few minutes to the overall cooking time, but it eliminates all that wait time on the front end.</p>
<p>Dishwasher </p>
<p>As with washing machines, most of a dishwasher&#8217;s energy needs go to heating the water. Still, says Lane Burt, an energy policy analyst with The Natural Resources Defense Council, a 10-year-old dishwasher can be made nearly as efficient as a newer model simply by knowing when and how to run it. Follow a few simple tips, and you can reduce your annual utility costs by roughly $35-$54.</p>
<p>8. Manage the load. Most dishwashers use the same amount of water and energy whether they&#8217;re run full or half-full. You can cut your operating costs by one-third or one-half by running the machine only when it&#8217;s full. It costs about $54 to run a pre-2000 model dishwasher per year, based on government data. Proper load management can save up to $27 each year.</p>
<p>9. Activate energy-saving features. A dishwasher&#8217;s heated dry cycle can add 15% to 50% to the appliance&#8217;s operating cost. Most machines allow the feature to be switched off (or not turned on), which can save $8-$27 per year, assuming an operating cost of $54 annually. If your dishwasher doesn&#8217;t have that flexibility, simply turn the appliance off after the final rinse and open the door. </p>
<p>10.  Use the machine. Many homeowners believe they can save water and energy by hand washing dishes. The truth is that a dishwasher requires less than one-third the water it would take to do those same dishes in the sink. By running the machine (when full), you can cut down the operating time of the hot water heater, your home&#8217;s largest energy hog. Not only will you save a buck per month, you won&#8217;t have to do the dishes.</p>
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		<title>Home Improvement Apps for iPhone, Android, and BlackBerry: Your Digital Toolbox</title>
		<link>http://www.hometownone.com/blog/index.php/2012/01/home-improvement-apps-for-iphone-android-and-blackberry-your-digital-toolbox/</link>
		<comments>http://www.hometownone.com/blog/index.php/2012/01/home-improvement-apps-for-iphone-android-and-blackberry-your-digital-toolbox/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 14:48:42 +0000</pubDate>
		<dc:creator>broker</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.hometownone.com/blog/?p=195</guid>
		<description><![CDATA[Home Improvement Apps for iPhone, Android, and BlackBerry: Your Digital Toolbox Article From HouseLogic.com By: Les Shu Published: February 17, 2011 Downloadable iPhone and Android apps offer ways to maintain, improve, and save money on your home. Smartphones like Apple&#8217;s &#8230; <a href="http://www.hometownone.com/blog/index.php/2012/01/home-improvement-apps-for-iphone-android-and-blackberry-your-digital-toolbox/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Home Improvement Apps for iPhone, Android, and BlackBerry: Your Digital Toolbox<br />
Article From HouseLogic.com</p>
<p>By: Les Shu<br />
Published: February 17, 2011</p>
<p><strong>Downloadable iPhone and Android apps offer ways to maintain, improve, and save money on your home.</strong></p>
<p>Smartphones like Apple&#8217;s iPhone and those based on Google&#8217;s Android do more than make calls, thanks to hundreds of thousands of downloadable mini-software items called apps. There are many home improvement apps designed to help you save money or take care of projects. Here are some of the best:<br />
<strong>Match that paint color</strong><br />
If you see a color at a friend&#8217;s house that would look great in your home, use Benjamin Moore&#8217;s Ben Color Capture (http://itunes.apple.com/us/app/ben-color-capture/id318034543?mt=8) or Sherwin-Williams&#8217; ColorSnap (http://itunes.apple.com/us/app/colorsnap/id316256242?mt=8), free mobile apps for iPhone, to conjure up a matching paint color and code in a jiffy. Take a photo with your phone, and the app matches the paint as closely as possible, and will display secondary and complementary colors. (ColorSnap is also available for BlackBerry.)<br />
<strong>Get rid of stains</strong><br />
Good Housekeeping magazine has placed all their best stain-removal and cleaning advice into their free @Home (http://itunes.apple.com/us/app/good-housekeeping-home/id397509781?mt=8) app. It also includes decorating ideas and a searchable list of the 5,000-plus products that have earned a Good Housekeeping seal.</p>
<p><strong>Look for recycled stuff</strong><br />
If you&#8217;re searching for a cheap replacement part, or looking for a deal on slightly-used appliances and materials, eBay&#8217;s free Mobile (http://mobile.ebay.com/) app lets you search the auction site&#8217;s entire marketplace from iPhone, Android, Windows Phone 7, and BlackBerry devices. You can also put any of your disused-but-functional household items up for sale and recoup some cash.</p>
<p>For listings close to home, search the popular Craigslist site through the free Craigsnotifica (http://craigslist-notification.mufumbo.com/) for Android or Craigspro (http://itunes.apple.com/us/app/craigspro-free-craigslist/id313917737?mt=8) for iPhone.<br />
<strong>Price comparison</strong><br />
Finding lower prices on electronics and appliances used to mean driving from store to store or scanning Sunday circulars. With the free Price Check (http://itunes.apple.com/us/app/price-check-by-amazon/id398434750?mt=8) by Amazon, you can scan a product&#8217;s barcode at a store and compare the price against Amazon and other merchants. (Android and BlackBerry versions are also available.) PriceGrabber (http://www.pricegrabber.com/ipad-iphone-android-app.php) has a similar app for iPhone and Android.<br />
<strong>Carpenter&#8217;s tools in one</strong><br />
For $1.99, the iHandy Carpenter (http://itunes.apple.com/us/app/ihandy-carpenter/id293621500?mt=8) app puts a ruler, protractor, bubble level, surface level, and plumb bob into your iPhone, allowing you to make measurements without lugging out the tool box. It&#8217;s perfect for simple jobs like hanging frames and mirrors.</p>
<p><strong>Need just a level? </strong><br />
There&#8217;s a free app for iPhone from iHandy (http://itunes.apple.com/us/app/ihandy-level/id299852753?mt=8) and for Android from Johnson (http://www.johnsonlevel.com/ProductDetail.asp?Cat=Digital+%26+Electronic+Levels&#038;ID=11&#038;pID=163).<br />
<strong>Calculate materials you&#8217;ll need</strong><br />
Before you approach a home improvement project, use the $1.99 Handy Man DIY (http://itunes.apple.com/us/app/handy-man-diy/id392541102?mt=8) to record dimensions of flooring, windows, walls, and more. It calculates how much material you&#8217;ll need and gives you a cost estimate.<br />
<strong>Order supplies</strong><br />
If you&#8217;re in the middle of a home improvement job and need supplies, use the $4.99 Work Shop (http://itunes.apple.com/us/app/work-shop/id368045764?mt=8) app to order them from your iPhone. It&#8217;s also a great tool for keep track of expenses or plan your budget for a future project.<br />
<strong>Light the way</strong><br />
With the iPhone&#8217;s bright display and the super-bright LED flash, you can use it in place of a traditional flashlight to illuminate crawl spaces, attics, cabinet recesses, and other dark spots. There are many apps for this purpose, but two favorites are the 99-cent Flashlight (http://itunes.apple.com/us/app/flashlight/id284973604?mt=8) (and 99-cent Flashlight+ (http://itunes.apple.com/us/app/id379766722?mt=8).<br />
<strong>Know what and when to plant</strong><br />
Wonder why certain vegetation isn&#8217;t growing in your yard? Landscaper&#8217;s Companion (http://itunes.apple.com/us/app/landscapers-companion-for/id380864724?mt=8) provides a reference guide to more than 2,000 plants. You can search for a plant based on your garden&#8217;s sun exposure and garden zone, helping to ensure you won&#8217;t get any dead leaves after planting. The app costs $9.99.<br />
<strong>Find a stud</strong><br />
Using your iPhone&#8217;s magnetometer, StudFinderPRO (http://itunes.apple.com/us/app/studfinder-professional/id334839465?mt=8) can help you locate studs by locating the magnetic fields emitted by metal objects like screws and nails. The app costs $2.99. A free Magnetic Stud Finder (http://goldsequence.com/) is available for Android devices.</p>
<p><strong>Hire a virtual designer</strong><br />
Need decorating ideas for inspiration? Check out Home Interior Layout Designer&#8211;Mark On Call (http://itunes.apple.com/us/app/home-interior-layout-designer/id299360512?mt=8) for $2.99. Created by an interior designer, the app can help you plan a space and determine if furnishings will fit. Also consider the $4.99 Living Room (http://itunes.apple.com/us/app/livingroom-for-ipad-floor/id360858983?mt=8) app for iPad and the 99-cent Dream Home (http://itunes.apple.com/us/app/dream-home/id367030133?mt=8) app for iPhone.</p>
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		<title>5 Tips to Prepare Your Home for Sale</title>
		<link>http://www.hometownone.com/blog/index.php/2012/01/5-tips-to-prepare-your-home-for-sale/</link>
		<comments>http://www.hometownone.com/blog/index.php/2012/01/5-tips-to-prepare-your-home-for-sale/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 20:31:28 +0000</pubDate>
		<dc:creator>broker</dc:creator>
				<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Michigan and Metro Detroit Real Estate]]></category>

		<guid isPermaLink="false">http://www.hometownone.com/blog/?p=192</guid>
		<description><![CDATA[By: G. M. Filisko Published: February 10, 2010 Working to get your home ship-shape for showings will increase its value and shorten your sales time. 1. Have a home inspection Be proactive by arranging for a pre-sale home inspection. For &#8230; <a href="http://www.hometownone.com/blog/index.php/2012/01/5-tips-to-prepare-your-home-for-sale/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hometownone.com/blog/wp-content/uploads/2012/01/home-for-sale.jpg"><img src="http://www.hometownone.com/blog/wp-content/uploads/2012/01/home-for-sale-150x111.jpg" alt="" title="For sale" width="150" height="111" class="alignleft size-thumbnail wp-image-193" /></a>By: G. M. Filisko</p>
<p>Published: February 10, 2010</p>
<p>Working to get your home ship-shape for showings will increase its value and shorten your sales time.</p>
<p>1. Have a home inspection</p>
<p>Be proactive by arranging for a pre-sale home inspection. For $250 to $400, an inspector will warn you about troubles that could make potential buyers balk. Make repairs before putting your home on the market. In some states, you may have to disclose what the inspection turns up.</p>
<p>2. Get replacement estimates</p>
<p>If your home inspection uncovers necessary repairs you can’t fund, get estimates for the work. The figures will help buyers determine if they can afford the home and the repairs. Also hunt down warranties, guarantees, and user manuals for your furnace, washer and dryer, dishwasher, and any other items you expect to remain with the house.</p>
<p>3. Make minor repairs</p>
<p>Not every repair costs a bundle. Fix as many small problems—sticky doors, torn screens, cracked caulking, dripping faucets—as you can. These may seem trivial, but they’ll give buyers the impression your house isn’t well maintained.</p>
<p>4. Clear the clutter</p>
<p>Clear your kitchen counters of just about everything. Clean your closets by packing up little-used items like out-of-season clothes and old toys. Install closet organizers to maximize space. Put at least one-third of your furniture in storage, especially large pieces, such as entertainment centers and big televisions. Pack up family photos, knickknacks, and wall hangings to depersonalize your home. Store the items you’ve packed offsite or in boxes neatly arranged in your garage or basement.</p>
<p>5. Do a thorough cleaning</p>
<p>A clean house makes a strong first impression that your home has been well cared for. If you can afford it, consider hiring a cleaning service.</p>
<p>If not, wash windows and leave them open to air out your rooms. Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Wash light fixtures and baseboards, mop and wax floors, and give your stove and refrigerator a thorough once-over.</p>
<p>Pay attention to details, too. Wash fingerprints from light switch plates, clean inside the cabinets, and polish doorknobs. Don’t forget to clean your garage, too.</p>
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		<title>6 Favorite Home Improvement Apps for the iPad, iPhone, iPod</title>
		<link>http://www.hometownone.com/blog/index.php/2012/01/6-favorite-home-improvement-apps-for-the-ipad-iphone-ipod/</link>
		<comments>http://www.hometownone.com/blog/index.php/2012/01/6-favorite-home-improvement-apps-for-the-ipad-iphone-ipod/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 20:05:40 +0000</pubDate>
		<dc:creator>broker</dc:creator>
				<category><![CDATA[Home Ownership]]></category>

		<guid isPermaLink="false">http://www.hometownone.com/blog/?p=189</guid>
		<description><![CDATA[Published: August 26, 2011 By: Lisa Kaplan Gordon If you’ve jumped on the Apple “i” bandwagon, you’re  never far from iPhone, iPod, and iPad apps that help maintain and improve your  home — values near and dear to our hearts. &#8230; <a href="http://www.hometownone.com/blog/index.php/2012/01/6-favorite-home-improvement-apps-for-the-ipad-iphone-ipod/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<ul>
<li>Published: August 26, 2011</li>
<li>By: <a href="/authors/lisa-kaplan-gordon/">Lisa Kaplan Gordon</a></li>
</ul>
<h2>If you’ve jumped on the Apple “i” bandwagon, you’re  never far from iPhone, iPod, and iPad apps that help maintain and improve your  home — values near and dear to our hearts.</h2>
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<div><img src="http://c0263062.cdn.cloudfiles.rackspacecloud.com/content/images/sized/iphone-home-improvement-apps_598c1f872dbb2bff9ac4e78a84c3673d_3x2_jpg_600x400_q85.jpg" alt="Home improvement apps for iPad" />
<p>There are plenty of apps for your iPhone, iPad,  or iPod to help you with home improvement projects, including the Ruler 2 (top  left), the iHandy Carpenter (top left), ColorSnap (bottom right), CALCS (bottom  center), and Dream Home (bottom left). Image: HouseLogic</p>
</div>
<div>
<div><a rel="slideshow" href="http://c0263062.cdn.cloudfiles.rackspacecloud.com/content/images/iphone-home-improvement-apps-dream-idwood_441b0e97c4da44506f5e6b6762150ead_3x2.jpg"><img src="http://c0263062.cdn.cloudfiles.rackspacecloud.com/content/images/sized/iphone-home-improvement-apps-dream-idwood_441b0e97c4da44506f5e6b6762150ead_3x2_jpg_300x200_q85.jpg" alt="" /></a><a rel="slideshow" href="http://c0263062.cdn.cloudfiles.rackspacecloud.com/content/images/iphone-home-improvement-apps-calcs_9bb6f85b6ca2d7aa06fcbc8040e09088_3x2.jpg"><img src="http://c0263062.cdn.cloudfiles.rackspacecloud.com/content/images/sized/iphone-home-improvement-apps-calcs_9bb6f85b6ca2d7aa06fcbc8040e09088_3x2_jpg_99x66_q85.jpg" alt="" /></a><a rel="slideshow" href="http://c0263062.cdn.cloudfiles.rackspacecloud.com/content/images/iphone-home-improvement-apps-ruler_78e2056e43c035947fbd64b54f5a59d7_3x2.jpg"><img src="http://c0263062.cdn.cloudfiles.rackspacecloud.com/content/images/sized/iphone-home-improvement-apps-ruler_78e2056e43c035947fbd64b54f5a59d7_3x2_jpg_99x66_q85.jpg" alt="" /></a><a rel="slideshow" href="http://c0263062.cdn.cloudfiles.rackspacecloud.com/content/images/iphone-home-improvement-apps-ihandy_57528aed40f192449ec2df6be2a6263e_3x2.jpg"><img src="http://c0263062.cdn.cloudfiles.rackspacecloud.com/content/images/sized/iphone-home-improvement-apps-ihandy_57528aed40f192449ec2df6be2a6263e_3x2_jpg_99x66_q85.jpg" alt="" /></a></div>
<div><a rel="slideshow" href="#">View Photo Gallery</a>
<p>1 of 6</p>
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<div>
<p>Here are a few of our favorites:</p>
<p><strong><a href="http://www.sherwin-williams.com/do_it_yourself/paint_colors/paint_color_palette/colorsnap/" target="_blank">ColorSnap</a> Sherwin-Williams (free)</strong></p>
<p>Snap a picture of anything and this app tells you which Sherwin-Williams  color most closely matches your photo subject. The coral shade in my kitchen  curtains, it turns out, is Redbud. I press another button and coordinating  colors — Palm Leaf and Cargo Pants — pop up. Browse color families to find ones  you love, and then adjust for lightness and saturation.</p>
<p><strong>Home Improvement <a href="http://itunes.apple.com/us/app/home-improvement-calcs/id417445336?mt=8" target="_blank">CALCS</a> ($2.99)</strong></p>
<p>This handy app has more than 115 calculations for every home improvement  project imaginable — from determining how much asphalt you’ll need to repave  your 10-by-10-ft. driveway (3.75 tons) to how many bags of mulch will cover a  40-by-6-ft. yard, 3 inches deep (30 2-cubic-foot bags).</p>
<p><strong><a href="http://itunes.apple.com/us/app/ruler-2/id374856771?mt=8" target="_blank">Ruler 2</a> (99 cents)</strong></p>
<p>This app is for emergency measuring when no ruler or tape is handy. Ruler 2  includes a pointer you drag along the length of an object smaller (preferably)  than your i-gizmo. A digital readout gives you the length. To measure longer  objects, you have to swipe and move the iPhone/iPad/iPod, and things get a  little complicated, so Ruler 2 works best measuring smaller things, such as  screws.</p>
<p><strong><a href="http://www.ihandysoft.com/carpenter.html" target="_blank">iHandy Carpenter</a> ($1.99)</strong></p>
<p>iHandy is a digital toolkit that turns your Apple device into a plumb bob,  surface level, bubble level bar, steel protractor, and ruler. All tools, except  the ruler, have digital readouts.</p>
<p><strong><a href="http://itunes.apple.com/us/app/dream-home/id367030133?mt=8" target="_blank">Dream Home</a> ($1.99)</strong></p>
<p>Dream Home contains hundreds of design ideas for your remodeling project:  It’s all the fun of shelter magazines for a fraction of the cost and weight. The  app presents pages and pages — I mean screens and screens — of photos of  high-design rooms in real houses. Photos are sorted by color, style, and  popularity. For an extra $1.99, you can add photos of rooms decorated for the  seasons. If you feel like sharing, upload pictures of your home improvement  project and they’ll become part of the app in 48 hours.</p>
<p><strong><a href="http://doubledogstudios.com/apps/idwood/index.html" target="_blank">I.D. Wood</a>: Your Pocket Guide to Woods From Around the World  ($4.99)</strong></p>
<p>This pricey app provides everything you need to know — and a few things you  don’t  — about 160 species of wood, from the common (white oak) to the  exotic (Australian black bean). The pictures are beautiful and true-to-life, and  the tips for working with each species are useful: Did you know beech wood has  one of the highest shrinkage rates of all hardwoods? Now you do.</p>
<p><em>What  home- and garden-related apps do you use? What have you used them  for?</em></p>
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		<title>HouseLogic’s Top-10 List of New Year’s Resolutions for Your Home</title>
		<link>http://www.hometownone.com/blog/index.php/2012/01/houselogic%e2%80%99s-top-10-list-of-new-year%e2%80%99s-resolutions-for-your-home/</link>
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		<pubDate>Fri, 06 Jan 2012 17:40:00 +0000</pubDate>
		<dc:creator>broker</dc:creator>
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		<description><![CDATA[. HouseLogic’s Top-10 List of New Year’s Resolutions for Your Home By: John Riha Published: December 30, 2011 When the new year arrives, promises and resolutions abound. Here’s the top-10 list of what the resolute home owner should accomplish this &#8230; <a href="http://www.hometownone.com/blog/index.php/2012/01/houselogic%e2%80%99s-top-10-list-of-new-year%e2%80%99s-resolutions-for-your-home/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>.<br />
HouseLogic’s Top-10 List of New Year’s Resolutions for Your Home</p>
<p>By: John Riha</p>
<p>Published: December 30, 2011</p>
<p>When the new year arrives, promises and resolutions abound. Here’s the top-10 list of what the resolute home owner should accomplish this year.</p>
<p>Ready for 2012? Here it comes:</p>
<p>1. Lose weight (cut energy use)<br />
2. Quit smoking (purify indoor air)<br />
3. Get out of debt (budget for improvements)<br />
4. Learn something new (educate yourself on home finances)<br />
5. Get organized (de-clutter)<br />
6. Volunteer (support your community)<br />
7. Drink less (curb home water use)<br />
8. Spend more time with the family (share home improvement projects)<br />
9. Get fit (exercise your DIY skills)<br />
10. Be less stressed (use maintenance-free materials)</p>
<p><strong>1. Lose weight (cut energy use)</strong></p>
<p>Your house is a glutton, gobbling energy like a starved elephant. Gain control by trimming energy use.</p>
<p>A good place to start is your HVAC ductwork. Ducts are notorious energy-wasters, leaking your heating and cooling air through holes and loose connections.</p>
<p>Sealing and insulating your ductwork can improve the efficiency of your heating and cooling system by as much as 20%, saving you $200 per year or more, according to Energy Star. You’ll make your home more comfortable, and a more-efficient system helps extend the life of your furnace, air conditioner, or heat pump.</p>
<p>Because ducts are usually hidden inside walls, ceilings, attics, and crawl spaces, sealing and insulating them may be a difficult and time-consuming DIY job. If you can’t reach all your ducts, concentrate on those that are accessible.</p>
<p>Use duct sealant — called mastic — or metal-backed tape to seal the seams, holes, and connections. Don’t use the confusingly named “duct tape,” which won’t provide a permanent solution. Be sure to seal connections at vents and floor registers — these are likely places for leaks to occur.</p>
<p>After sealing your ducts, wrap them in fiberglass insulation. Most hardware stores and home improvement centers have insulation wrap products made for ducts.</p>
<p>A professional heating and cooling contractor will charge $1,000 to $4,000 for the work, including materials, depending on the size of your home and accessibility to your ducts. </p>
<p>Insulating your ductwork may qualify for a rebate from your state or local municipality. Check the Database of State Incentives for Renewables &#038; Efficiency.</p>
<p><strong>2. Quit smoking (purify indoor air)</strong></p>
<p>The EPA lists indoor air quality as one of the top environmental health hazards. That’s because indoor air is full of potential contaminants, such as dust, mold spores, pollen, and viruses. The problem is at its worst during winter, when windows and doors are shut tight.</p>
<p>You can help eliminate harmful lung irritants in your home with these maintenance and improvement tips:<br />
 Maintain your HVAC system and change furnace filters regularly. Use the highest-quality filters you can afford ($10-$20) and change every month during peak heating and cooling seasons.<br />
 Keep indoor air pristine by using low-VOC paints when you remodel your rooms.<br />
 Use localized ventilation in kitchens and bathrooms to remove cooking fumes, smoke, and excess humidity. Make sure ventilation systems exhaust air to the outside of your home, rather than your attic crawl space or between ceiling joists.<br />
 In fireplaces and wood stoves, burn real firewood rather than pressed wood products that may contain formaldehyde.<br />
 Use a portable air cleaner to help cleanse the air in single rooms. Portable air cleaner types include mechanical air filters, electrostatic precipitators, ion generators, and ultraviolet lamps.</p>
<p>Note that each type of air cleaner is designed to remove specific pollutants; no portable air cleaner removes all pollutants. Be wary of air cleaners that generate ozone — a known lung irritant.</p>
<p><strong>3. Get out of debt (budget for improvements)</strong></p>
<p>Creating a yearly budget for home improvement and maintenance helps prevent overspending, and encourages you to put aside money for major replacements — such as new roofing or a kitchen appliance — that come up every few years.</p>
<p>Protect your home finances by knowing how much you’ll probably spend each year. Data from the U.S. Census Bureau says that average annual maintenance and home improvement expenditures are about $3,300 per household. Leading lending institutions agree; HSH Associates and LendingTree.com place average costs of yearly maintenance and upkeep at 1% to 3% of your home’s initial price.</p>
<p>That means the owner of a $250,000 home should budget between $2,500 to $7,500 each year for upkeep and replacements. Have extra at the end of the year? Save it for more costly upkeep and replacement items down the road — you’ll probably need it then.</p>
<p><strong>4. Learn something new (educate yourself on home finances)</strong></p>
<p>Want a little education that goes a long way toward your financial health? Learning how to improve your insurance score can help you keep your home insurance premiums from getting out of hand. Here are a couple of easy lessons:<br />
 Letting credit card debt build up is a black mark on your credit history — and an indicator that you’re likely to file an insurance claim. The more claims, the higher risk you appear to be to insurance agencies, which lowers your insurance score. Low scores mean higher rates for home insurance.<br />
Keep payments on loans up-to-date. Don’t miss payment deadlines; if you do, notify your lender that your payment is forthcoming. Delinquent payments signal insurers that you can’t manage your money — resulting in a lower insurance score.</p>
<p>Need some Home Owner 101? Any time is a good time to bone up on basic home maintenance skills.<br />
<strong><br />
5. Get organized (de-clutter)</strong></p>
<p>No excuses — that clutter has got to go! Start by creating more storage space so you can stash stuff easily.</p>
<p>At wit’s end for new storage space? You’ve probably got storage solutions you didn’t know you had. Put up a high shelf between the walls of a narrow hallway, and tuck storage in out-of-the-way nooks, such as under-stairs spaces and between wall studs. </p>
<p>If your small home is pinched for space, don’t despair: There’s still room for storage. Shoe organizers ($20) do more than hold shoes — use them to store keys, notepads, and cell phones. At about $300 per drawer, have a cabinetmaker install drawers in the toe kicks of your kitchen cabinets for napkins, cookie sheets, and appliance manuals. </p>
<p>More: Resolution: Put Your House on a Diet</p>
<p><strong>6. Volunteer (support your community)</strong></p>
<p>In a world that often seems topsy-turvy, a little altruism helps restore balance. You can volunteer your time and energy to help others, and at the same time help promote safety and preserve the value of your neighborhood.<br />
 A neighborhood watch program fosters a sense of community and helps stop crime. Set up a meeting with neighbors to discuss concerns and priorities. Gather facts to present at the meeting: What kinds of crimes happen nearby? Are there patterns? Ask a local police representative to come to your first meeting to answer questions.<br />
 Start a community garden. Bring together neighbors for bonding, eating healthier, and saving on groceries. A 4-by-16-foot raised bed garden plot provides $200-$600 worth of food annually. As the organizer, you can expect to spend 20-30 per month for six months getting your community garden going.</p>
<p><strong>7. Drink less (curb home water use)</strong></p>
<p>Our houses are thirsty. The average household uses about 400 gallons of water each day, or almost $700 per year in water and sewer costs. Making a few simple changes, such as installing EPA-certified WaterSense products, could trim up to $200 from your annual water bill. Add to that energy savings from reduced costs to heat water, and your yearly savings could reach $300 or more per year.<br />
 Low-flow showerheads include technology that reduces the amount of flow yet keeps pressure up, resulting in shower streams that are powerful and satisfying. They cost from $10 to $150, and installation is an easy DIY job that takes only minutes.<br />
 Replacing your pre-1994, water-guzzling toilet with a low-flow toilet prevents $90 worth of water costs from being flushed away. HE (high-efficiency) toilets use compressed air and electric water pumps to flush with less than 1 gallon of water; older models required up to 8 gallons.</p>
<p><strong>8. Spend more time with family (share home improvement projects)</strong></p>
<p>Spending quality time with your family takes quality planning — but it’s worth the effort. Rally your family around these fun-to-do projects to make every minute count:<br />
 Plant a tree. Pile the clan into the family wagon and shop for a tree that’ll become a new member of your family. Have your kids name it and help care for it. You might have to dig the hole, but everyone can take turns adding mulch and watering it. A bonus: planted where its shade will protect your house from summer sun, a $50-$100 tree cuts your yearly energy bill by $100 to $250.<br />
 Make a home emergency preparedness kit. Make a scavenger hunt of gathering up all the necessary supplies, such as flashlights, toilet paper, and duct tape, and assemble your kit during an evening together. It’s a good, non-scary way to teach small children about what to do if there’s an emergency.</p>
<p><strong>9. Get fit (exercise your DIY skills)</strong> </p>
<p>Looking to trim a little of the old spare tire? Routine home maintenance and repair is a double win — you’ll burn calories while keeping your house in tip-top shape. Try these essential fix-ups and improvements from CalorieLab:<br />
 Building a fence: 340 calories per hour<br />
 Caulking windows and doors: 280 calories per hour<br />
 Cleaning rain gutters: 272 calories per hour<br />
 Installing ceramic tile: 238 calories per hour<br />
 Interior painting: 136 calories per hour<br />
 Chopping firewood: 340 calories per hour<br />
 Mowing the lawn: 306 calories per hour<br />
 Planting shrubs: 238 calories per hour<br />
 General gardening: 204 calories per hour</p>
<p><strong>10. Be less stressed (use maintenance-free materials)</strong></p>
<p>If you want less to worry about, install low-maintenance materials and products designed for durability and long, trouble-free service.<br />
 Fiber-cement siding lasts for 50 years or more. It’s weather-proof, and resists dents, fire, insects, and rot. It’s exceptionally stable, even with changes in humidity, so that paint jobs last longer than on wood and wood-fiber siding products.<br />
 LED bulbs last a phenomenal 20,000 to 50,000 hours between changes, or about 18 to 46 years when used for 3 hours each day. Although the initial cost is high (about $40 per bulb), LED bulbs pay for themselves in energy savings in about 10 years.<br />
 Classic ceramic tile comes in many colors and textures, but at its heart it’s incredibly tough, stain-resistant, and impervious to moisture. You can count on ceramic tile’s good looks to last for decades on floors and walls without needing repair or replacement.</p>
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