(ARA) - With the return of colder weather, you may be hesitant to turn on the furnace again - especially if you want to put off winter's high energy bills. And, as you start shutting the windows to keep out the cold, the quality of your home's indoor air can make it hard to keep the family healthy, especially when flu season kicks in and allergies act up. But whatever the weather, you have the power to control the world inside your home. Here are some steps you can take to ensure total home comfort and energy efficiency this season.
Make sure your furnace is the right size for your home. Unfortunately many people have heating, ventilation and air conditioning (HVAC) equipment that is too large for their homes, which means they're paying to heat space that isn't even there. An HAVC professional can accurately calculate whether your current system is the right size for your home.
The age of your furnace can also impact how much it costs to heat your home. If your furnace is more than 10 years old, it may make sense to replace it with a newer, more efficient model. Manufacturers such as Trane offer furnaces that can save as much as 40 percent on energy consumption. For example, the XC95m is one of the most efficient gas furnaces and the first to attain up to a 96.7 percent Annual Fuel Utilization rating, which is nearly 20 percent higher than the government minimum standard.
Clean the air of pollutants and flu virus. With every breath, your family's health is at stake. Approximately 87 percent of Americans are unaware of indoor air pollution. In fact, the U.S. Environmental Protection Agency (EPA) ranks indoor air pollution among the top five environmental risks to public health. Indoor levels of many pollutants may even be higher than outdoor levels. These pollutants include airborne particles that enter your home through the doors, windows and roof from various outside sources including fires, fossil fuel burning in vehicles, power and manufacturing plants and from indoor activities such as smoking and cooking.
Add an extra layer of protection for your family by installing an effective air cleaner. New studies conducted by Environmental Health and Engineering and professors from the Harvard school of Public Health show that installing Trane CleanEffects, a whole house air cleaner, may help reduce the risk of asthma attack, stroke, heart attack, respiratory disease and other serious illnesses as part of an overall prevention plan. The unit can be installed as an attachment to your furnace. In addition to removing up to 99.98 percent of allergens and particles from the filtered air - such as dust, pollen, bacteria, pet dander, mold spores and smoke, it also removes more than 99 percent of the common flu, or influenza A virus from the filtered air. Since the swine or H1N1 virus is a form of Influenza A, it can also remove more than 99 percent of this form of the virus from a home's filtered air.
Take a whole-house approach to heating. There are many additional things you can do throughout your home for winter comfort. For example, the U.S. Department of Energy recommends that you keep draperies and shades open on south-facing windows to allow sunlight to enter during the day, and close them at night to reduce the chill you may feel from cold windows. In the kitchen and bath, turn off ventilating fans within 20 minutes after you're finished cooking or bathing to retain heated air. And in every room of your home, make sure that all warm-air registers aren't blocked by furniture, carpeting and drapes.
By taking these steps, you'll not only keep your home warm, comfortable and energy efficient this winter, but you'll also gain another precious commodity - peace of mind.
The 4 letter word that will send buyers out the door as fast as they can go and never look back. This is a word that Real Estate educator, Bill Gallagher, spoke about last week in our Mandatory Update class and had everyone laughing. Yesterday when it happened to me I was NOT laughing. That 4 letter word is FLEA.The size of a spec of dust these little creatures have the power to turn me into a gyrating, gasping, goofy lady slapping at her clothes and grasping for seemingly non-existent somethings as they jump out of my way.
The flea was a funny matter last week as Bill Gallagher talked about an agent in her white pantyhose - fleas love the color white - entering a home infested with fleas only to turn and escort her buyers outside and returning to remove her pantyhose and leave them on the floor. He went on making the room laugh again and again as he made his points hit home. Oh his words came to mind again for me yesterday, but I wasn't laughing. I was trying to pinch the little critters between my thumb and forefinger -- mostly unsuccessfully -- before they could jump away. Facts about fleas:
They can jump as high as 4 feet
They feed on blood
They can live up to 100 days without food in the coccoon stage unfed
Once fed they live 3 to 4 months
Once feed a female can lay up to 2000 eggs during her life
Female lays eggs within 36-48 hours of a meal
Gestation period is 14 days
Only 5% of fleas found in a dwelling will be on the pet
Very tiny up to 1/8 inch in size
They can bite up to 400 times a day
When you treat for fleas you must take into account all 4 stages of a flea from adult, young (hide in a cocoon until food is near), larvae and the egg stage. Most sprays will not penetrate the cocoon. The cocoon is a shell used by the young where they hide inside until a warm meal passes by then they "unzip" and hop on for a bite. Once fed they reproduce and the cycle starts over again. In addition to treating you should vacuum every day and a half to two days for at least two weeks (gestation period) to pull up all the cocoons and eggs. You must either toss the bag after each vacuuming or add moth balls to the bag. Moth balls? Well it has been used for years to kill the larvae of moths in your closet so why not the larvae of fleas in your vacuum cleaner bag. Now your house won't smell like a spring breeze, but if it does the trick you'll be sighing with relief as you inhale that pungent scent.
Now to complete my story of yesterday. I had to measure the inside of a new listing. It is a fixer upper to say the least. The owner resides outside the area and recently had a non-paying tenants that had to be evicted. Bonnie, my dog, was in the car because I don't take her into property, but when I got to the door to unlock it -- it was slightly ajar. With no power on and the bad tenant history I went back to the car and got Bonnie dog out and took her in with me.
Well believe it or not I did NOT notice the fleas until we had measured and returned to the office. Then they were jumping on and off me as I sat at my computer. I had to go into the bathroom take off my top and pick off the fleas. The were on my "white" socks under my jeans. I even picked a couple off Bonnie's face. Figuring I didn't want them infesting the office I went to Ace Hardware and got a couple of bombs and let them off and headed home to brush Bonnie figuring it couldn't be that bad right. Keeping her outside I began brushing, but after finding a half dozen fleas crawling on her we headed for the tub and a flea bath. A shampoo, 30 dead fleas and a final coating of flea dip later she was briskly running around to thank me. Next we washed her bed from the office and just for good measure the one from home too. I have a healthy (or unhealthy) dose of bites myself and would love to douse my body in some flea dip if it would help the itching!
Beware of this four letter word as you enter vacant dwellings! FLEA
Kathryn Gorham | Green Key Properties | Emerald Isle North Carolina 2010 President Women's Council of REALTORS® Crystal Coast Chapter 252.646.4656 cell · 252.354.7007 office Southern Outer Banks NC | Crystal Coast NC | Coastal Carolina ActiveRain an Online Referral Network Women's Council of REALTORS® a National Referral Network
In an article today in the Milwaukee Journal Sentinel, it was reported that it’s becoming commonplace for lenders to refuse to take title to some properties following foreclosure. Why would a bank bother to foreclose and then abandon the property? It’s simple economics. Many of the homes just aren’t worth the bank’s efforts. But then, why would they foreclose? And who ultimately owns such properties? The answers are often as confusing an illogical as the creation of the subprime collapse that precipitated the problem.
What’s happening is a crime—perhaps not legally, but figuratively. Sometimes it’s a crime against the very people who have already suffered the most; and other times it’s a crime against neighborhoods trying to recover from issues of high crime and drug dealing. In the words of Catherine Doyle, attorney with the Milwaukee Legal Aid Society, “This is just the meanest and nastiest thing (lenders) could do. Even more profound is the terrible damage to the community.”
Abandoned homes become a blight on neighborhoods, havens for drug and criminal activity, and create fire and safety hazards. No longer sources of tax revenue, such homes are a drain on struggling cities resources, and ultimately cost taxpayers thousands more when ondemned and bulldozed.
The procedure, known in the trade as “walkaways,” is a growing problem, especially for cities, where most are pressed for revenue. The mortgages on these homes, the great majority of which are subprime, were often made by now-defunct mortgage brokers, and are being foreclosed upon by loan servicers on behalf of investor groups often thousands of miles away. And, unfortunately, there appears to be no solution to the problem.
Have banks lost their hearts, or is it they never had one? The image of the friendly neighborhood banker was perhaps always a utopian vision; but what they’re doing is egregious on a monumental scale. Throwing people out of their homes, only to have those homes bulldozed later, is not only inhumane, it’s sheer stupidity. Once the owner is forced out, the home falls in to disrepair, may be vandalized, and everyone loses. And, the irony is; when the bank walks away, the original owner is still on the hook for taxes, boarding-up and clean-up fees that can run into the thousands of dollars. It’s a game of no winners.
Tips on buying, selling, building, remodeling, and the latest trends in housing:The Housing Guru
But that doesn't mean that people aren't trying it... and it doesn't mean that people aren't getting in trouble for it.
Here is the way it works (and it all sounds so legit...):
Mr. and Mrs. Consumer buy a house and get a mortgage from MonsterMegaMortgageCompany (MMMC).
MMMC sells their mortgage to Investor Pool #1.
Then it is bundled and sold to IP#2... and #3 and #4 over a span of a few years.
Mr. & Mrs. Consumer start having problems, and despite everything they are facing foreclosure.
To try to get help they contact a "Foreclosure Mitigation" Law Firm that fights the foreclosure by filing a "missing title" lawsuit.
The law firm (or other entity) charges an up-front fee (maybe $2000) and then monthly fees (maybe $1000 or $1500)... as well as a contingency fee upon settlement of either 50% of the reduction or 75% or 80% of the value if the mortgage were completely eliminated.
After stringing along Mr. & Mrs. Consumer for a few months or longer (collecting fees), they fail to actually prosecute the case.
Mr. & Mrs. Consumer lose their home...
According to a few of the sources I looked at, their are no recorded examples of any suit of this type EVER being resolved in the consumer's favor.
The basis of the lawsuit is that if the mortgage holder can't produce the documents from the mortgage, it will be set aside and the consumer will own their property free and clear. Sounds nice, huh?
Before getting sucked into something like this, here is a little more reading...
The State of California is going after one of the firms involved in this practice. I would expect that there are similar cases in other states.
Times are tough... scamsters know it, too
People being foreclosed on are all over the place. They are vulnerable to people that approach them to "help." There are a variety of scams and plans that mostly just revolve around generating a profit for the "helper."
Be careful! There is help for many home owners that are in trouble... but the easy sounding solutions often aren't what they are cracked up to be. If it sounds too good to be true, it likely is...
I would love to lose my mortgage, too... but this isn't the way...
Okay first let me BUST a MYTH out there. The administration is telling people that even though YOU are not going to get bailed out while your neighbor who is going through foreclosure is, you should be happy because YOUR home will not suffer further loss in value if we can get these foreclosures sold and no longer sitting vacant, etc.
While there is truth to this it sure does not make those of us who have been working hard to keep our mortgage payments current feel a whole lot better. Many will start falling behind on their payments just to get bailout help...sad but true.
But here is the real deal on how appraisers are dealing with the valuation of your home in this foreclosure crisis. We DO NOT typically use foreclosed sales to compare against your home. We first evaluate your individual neighborhoods, streets, subdivisions and trust me when I tell you it can vary street by street in today's market.
If and only IF your subdivision, street or neighborhood is full of foreclosures, more so than your typical arms-length transactions, then we WILL using foreclosures as our primary source for analysis. WHY? because these sales have now defined your neighborhood. If there are more sales in your area which are not foreclosures then we will use those sales primarily.
Therefore your home may NOT necessarily decline in value due to a few scattered foreclosures in your area. Now here is where it gets a little muddy in the water....If you have a home right next to yours or a couple of doors down that has been foreclosed upon and especially if it looks "run down" and obviously vacant, this WILL have an effect on the value of your home to some degree regardless of the number of foreclosures in your area. WHY? because if you were looking to buy a home and the one next door to yours is quite frankly and eye sore, this has an impact on how the market perceives your home. Sad and not fair but true!
The foreclosures in your area or on your street and their proximity to yours has an effect from that point outward as if in a circle. The further the foreclosure/s are from your home, the better off you are!
Again, let me repeat, if you only have a few foreclosures scattered about your development, street (unless you only have a few homes on your street) or defined neighborhood, chances are you are not going to be heavily impacted as appraisers will use non-foreclosure sales whenever it is reasonable to do so and is not misleading to the lender to do so.
One thing I want to make clear! Appraisers do not determine the value of your home...Let me repeat this. Appraisers DO NOT determine the value of your home.....The MARKET DOES! We analyze the market and as long as we do this correctly and as long as we utilize properties that are truly comparable to yours and make the appropriate adjustments for any variances, then the market LEADS us to the appropriate opinion of value....So don't blame the appraiser for the value of your home okay? It is the market you need to blame.
One final note. Appraisers are supposed to protect banks from lending risks. Banks need appraisers to analyze NOW more than ever what the market is doing, what the value of the property is currently, what the trends have been and where they are likely headed.
Banks & Mortgage Companies in the past did not really care too much about the fact that we were trying to protect their interests as they wanted to close loans. Sad fact but true and that is why we are in this mess Today. Appraisers many times are considered a necessary evil and Lenders pressured many Appraisers to do what they wanted. Unfortunately many succumbed to that pressure.
Banks are now going the opposite direction and running scared. They are dictating to appraisers what the comparable properties should be. They are non believers in what our reports are telling them. Before they wanted the highest possible value, now they want the lowest. They are telling us based upon some National Report that we MUST report our area as declining! Well here in Georgia there are some area that are NOT declining but STABLE. I personally do not let lenders dictate to me and I know for a fact I have lost business over this...but I digress...
Bottom line is they are still not letting us do our jobs! We have no vested interest in these properties, if they had let us do our jobs from the start, we would not be looking at a Trillion Dollar plus spending bill. Can you tell I am just a little frustrated. I AM!
So as a consumer what can you take aways from all of this. Keep up with what is going on in your neighborhood and do not let lenders determine the value of your home. You get a copy of your appraisal report, review it carefully. If you do not agree with it, protest it! Many banks use review appraisers who either have not even seen your home or who have only driven by your home to refute the original appraisal report. Don't let that happen to you because these review appraisers do not know the home like the first appraiser!
As Realtors, you can do the same thing. You have access to the same information we as appraisers do and even more than we do as you guys see many of the INTERIORS of the comparable properties used by appraisers which we do not see. Sure we have photos of the interiors if you post them on MLS/FMLS but the pictures do not always tell the whole story! So help your clients in this lending process by not letting them reduce or change the value of the first appraisal report without good reason.
Okay I am off my soapbox now, I hope this has helped you to understand how appraisers operate in this market or at any time.
Here is what you will need to take most of the time for an exterior job.
Front of Subject - Try most of the time to be at slight angle so that side of house is visible as well. Note any damage to property
Street View 1 - Down one side of street - Make sure you include the houses on one side.
Street View 2 - Up the other side. Make note especially of a busy road/commercial/industrial building.
Address Verification - Must be able to clearly read house numbers.
Side View - Take a picture of each side of the property as well. (picture of back is not always needed)
Street Sign - Verify street of address
You will need to take these photos and email them to me with a short description of property condition. (Ex: Property appears occupied, needs paint, roof is bad, 2 broken windows...)
If you are like me you deal with investors and buyers that are seeking good deals. One area that good deals come by are HUD Homes. I was going through 3 of them the other day, previewing them for my clients, and I couldn't get into the last one! Now, I didn't have time to print off the MLS sheets on the properties, and I was just going off of an address list I jotted down. So, after trying the key several times, I trudged back through the foot of snow (since none of these properties are EVER shoveled or plowed it seems - experience tells me to were boots of course!) and back home for the evening. I look up the MLS data, and in the private remarks field, it says "Use your New HUD Keys".
Huh? New HUD Keys? I call my office and they know nothing of it. (4 offices with 200+ agents) I am the first to encounter this. They call HUD and "oh yeah, we are working on sending them out.... give us a couple weeks..."
A COUPLE WEEKS? Luckily I am a pretty laid back guy, and this property wasn't the best deal anyways, so my investors weren't too disturbed about seeing it as well.
So... the point of this post is to inform you if you haven't been already, that HUD is changing their locks. Call them to get your new key before you bring your buyer with you to the property and can't get in!
Rick Kellow, or his wife, posted this great guide to "Re-Gifting". Not something that I practice normally, but of course I will admit to giving something "nice" as a last minute need. Enjoy!
Don't mention it, please. Post thinks "the best approach is to be upfront" when regifting, but I have to ask: Why spoil the moment? If you tell your sister-in-law, in so many words, "I have no use for this nasty vase, so I'm giving it to you," even a person in need of a vase will hate you. I say, keep your yap shut unless there's a good reason not to.
Do update the wrapping. The next most common regifting faux pas, after leaving the previous gift card attached, is to regift in the original, now crinkled and possibly torn (hello!?) wrapping paper or box. If the phrase "Hey, it looks almost new" crosses your desperate holiday brain, remember that the "almost" is a dead giveaway to the new giftee.
Don't give hand-me-downs as regifts. Novice regifters (and those who are terminally tacky) often get these two categories confused. Don't. A hand-me-down is an item you've already used that you'd like to pass along to someone who will enjoy it and use it more than you will. For example, a sweater you've removed the tags from and worn twice. You could wrap it up and give it as a "gift" only if another real gift is provided. A regift should be just that: a gift you've never used that you're giving away as though it were a . . . real gift! Do keep track of who gave it to you first. Writing on The Dollar Stretcher, Joyce Moseley Pierce recommends creating a stash of regifting items you can always use in a pinch. I say, OK, but keep a small notebook of who gave you what. I had a harrowing experience that involved regifting a pair of earrings to a cousin -- who had given them to me two years before. I forgot. She remembered. And she let me know about it.
Don't EVER regift these items. Certain items are a total, dead, instant giveaway that you not only are regifting, but you're too lame to put any effort into it: candles, soap, random books, mysterious CDs (unless your brother wants the hip-hop version of "Man of La Mancha"), obscure software, cheesy jewelry, scarves (do we not all own a scarf?), fruitcake, pens, cologne, boxed sets of extinct bath products (Jean Nate? No, no, no), videos or DVDs obviously acquired on a street corner, socks and any appliances or electronic gear the giftee would be puzzled to receive because they probably just got rid of it (including hot-air popcorn poppers and anything with a cassette deck in it).
Do have the courtesy to clean your regifts. I once got a rice cooker . . . with a couple of kernels of rice still clinging to it. Some hand-me-downs can be passed off as regifts if the packaging is intact, like the wine glasses you've belatedly decided to share with a loved one. Just wash the lipstick off the rim, 'kay?
Don't give partially used gift cards. As technology pushes the envelope of regifting possibilities, the chance of looking like a ninny only grows. Don't give a $25 gift card to Barnes & Noble that has $14.56 left on it. Would you give a pie with a slice taken out of it? We hope not.
Do remember that regifts can be funny. A friend of mine said that when he was younger, he and his sister would jokingly regift the same two board games back and forth to each other. If you think a friend would get a good laugh out of, say, a regifted self-help book, go for it -- as long as you make the prank clear.
Don't give something you've owned for a while. Not only is this in violation of the hand-me-down rule above, the giftee can and will recognize that picture frame from your living room shelf. (And while you're at it, don't regift picture frames, either.)
Do regift champagne. You know the joke about fruitcake: There are only two fruitcakes made each year, and we just keep foisting them off on each other. The same is true of the 11 bottles of champagne that circulate during the holidays. But there are never hard feelings from regifting a bottle of bubbly, unless it's really cheap or given to a confirmed teetotaler. Eventually it will find a happy, champagne-guzzling home.
Don't give products from defunct companies. Someone gave to my husband and me a lovely crystal decanter from a department store that no longer exists. The decanter is a classic. It was just a little depressing to think it had been in someone's closet for that long.
Do sell your gifts on eBay. When someone first told me that, rather than regift, he sells unwanted presents on eBay and uses the proceeds to buy real gifts, I was awed. Then I realized everyone is doing it. "My father gave my brother a boxed set of Kurosawa films, which my brother promptly sold for a pretty penny on eBay," one woman told me. So THAT'S where all that stuff comes from.
You don't want to waste your time on the phone with lenders who won't cooperate with you?
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Owes more than their property is worth
Possibly facing foreclosure.
Property is distressed.
Property that won't sell conventionally.
Title Issues
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If you have a Real Estate related need in South Eastern Wisconsin....
Contact Realtor® Matt Yogerst and Team Yogerst, RE/MAX Realty 100. Licensed Realtor® in Wisconsin at 262-224-5439 to list your property for sale or to purchase a property in Menomonee Falls, Mequon, Germantown, Erin, Hartford, Slinger, Richfield, Jackson, West Bend, Kewaskum and the rest of Washington, Ozaukee, Milwaukee, and Waukesha Counties.
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Many Wisconsin Buyers right now are looking for a good deal. Actually, many Wisconsin Buyers have ALWAYS been looking for a good deal. Why wouldn't they be? In the search for finding that perfect Wisconsin Home for Sale, Buyers spend countless hours searching the internet for what they want. Wisconsin Buyers also look through newspapers, property magazines, drive neighborhoods, and more! One of the main things a serious Wisconsin Buyer does is obtain the services of a Wisconsin Real Estate Agent. Most Wisconsin Realtors(R) often offer free consultation to the Buyer and help streamline the buying process. One thing that some, not all, Wisconsin Realtors(R) can offer is to be able to access HUD Homes.
HUD stands for Housing and Urban Development. It is a government run program that has a great mission:
"HUD's mission is to increase homeownership, support community development and increase access to affordable housing free from discrimination. To fulfill this mission, HUD will embrace high standards of ethics, management and accountability and forge new partnerships--particularly with faith-based and community organizations--that leverage resources and improve HUD's ability to be effective on the community level." (Provided from http://www.hud.gov/library/bookshelf12/hudmission.cfm)
HUD registered brokers can offer alot of advice for the Wisconsin Home Buyer. Whether it is regarding potential loan programs, grants, or inspection tips your local Wisconsin Real Estate Agent can walk you through the home buying process.
Some of the Main Steps in Buying a HUD Home Process include:
1. Determining What You Need In A Home.
2. Determining What You Can Afford.
3. Finding What Homes Are Available.
4. Selecting The Right Home For You.
5. Writing Up An Offer To Purchase.
6. Preforming Your Due Diligence.
7. Preparing For Closing.
8. Closing On Your Home.
9. Moving Into Your New Home.
We will be going into more detail on each of the steps above in the coming weeks, and you can make sure that you get emailed the next step of the process by subscribing to this series on the right. There are many more little steps involved with Buying a Wisconsin HUD Home, but selecting a knowledgable and friendly Wisconsin Real Estate Agent to assist you will help you make this process a quick, easy and smart way to start your homeownership experience. Buying a HUD Home is just one of the ways to make a smart real estate investment.
Milwaukee, Menomonee Falls, Germantown, West Bend, Hartford, Richfield, Jackson, Mequon Wisconsin Real Estate Service Provider. Investment Property and Single Family Homes. REO, BPO, Forclosure Help, Short Sales. Sellers. Buyers.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
owner resides outside the area and recently had a non-paying tenants that had to be evicted. Bonnie, my dog, was in the car because I don't take her into property, but when I got to the door to unlock it -- it was slightly ajar. With no power on and the bad tenant history I went back to the car and got Bonnie dog out and took her in with me. 
What’s happening is a crime—perhaps not legally, but figuratively. Sometimes it’s a crime against the very people who have already suffered the most; and other times it’s a crime against neighborhoods trying to recover from issues of high crime and drug dealing. In the words of Catherine Doyle, attorney with the Milwaukee Legal Aid Society, “This is just the meanest and nastiest thing (lenders) could do. Even more profound is the terrible damage to the community.”
Side View - Take a picture of each side of the property as well. (picture of back is not always needed)
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