homeowner tips: DIY Or Hire It Done, Renovating Real Estate Investment Properties. - 07/11/14 03:29 AM
Sometimes, when buying - or even thinking about buying real estate for investment purposes, you're faced with the need to fix up the property. 
The question then arises: Should I fix it up myself or hire it done? Unfortunately, no one can give you the right answer. However, there are a few questions that you can ask yourself to help decide the issue:
1. Do I Have The Time?
Time is an issue that many people forget about, but it should be one of the deciding factors. Some renovations, such as handles, hinges or kitchen hardware can take very little time … (2 comments)

homeowner tips: The Green Thumb: Four Easy Ways To Get More From Your Home Garden - 06/17/14 08:19 AM
Growing a home garden creates beauty, oxygen and even food for our families to enjoy. If you're looking to get more from your home garden, here are four easy ways to improve a green thumb.
A Good Foundation For Your Garden:
Good soil is the foundation of a healthy garden. By using quality soil, you can give your garden plants the best start possible. Adding a variety of organic matter to soil will give plants a happy home to grow in.
Add two to three inches of organic matter to your garden bed at the beginning of each season. Compost, dried … (1 comments)

homeowner tips: 5 Tips To Protect Yourself When Buying Newly Constructed Real Estate - 06/17/14 07:47 AM
Buying newly constructed real estate isn't much different from buying an "already used" home. What variances there are, however, can make all the difference between buying a diamond or a lemon. 
Here are a few tips to keep in mind when buying new construction:
Tip #1: Don't Use The Builder's Sales Agent - Hire Your Own:
If they're the builder's agent, they're being paid to represent the builder, no matter what they tell you.  Your own real estate agent, who is representing you, is required to tell you the negatives as well as the positives.  The builder's agent doesn't have to … (0 comments)

homeowner tips: Here's How You Can Leverage Your Home To Reduce Your Tax Burden For Next Year - 05/28/14 03:00 AM
Each year around April, we can find ourselves becoming a little more tense at the thought of what is about to occur: tax time.
Instead of falling into the trap of procrastinating your taxes, however, it's much more beneficial to face tax time head-on and do your research on your applicable deductions well in advance.
Your home is good for many things, but using your home to reduce your tax burden may be one benefit you haven't thought of. Here are some tax benefits that can be leveraged with your home, and some ways to lower your tax bill in 2014.
(1 comments)

homeowner tips: Vegetable Garden 101: Get The Kids Started On A Veggie Patch Project Today - 05/13/14 07:52 AM
Thinking about ways to engage your children in gardening and educational opportunities outside of the classroom?
Creating your very own veggie patch with them is a great way to help them develop interest in the wonderful hobby of gardening!
Growing a vegetable garden links together many concepts your children are learning about in school while teaching them the art of discipline, responsibility and delayed gratification. Here are some great tips on how to nurture this project with your children.
Choose Pick-And Eat-Vegetables:
The joy of being able to eat the fruits of their labors straight out of the garden will be … (1 comments)

homeowner tips: Green Living: Water Saving Tips For Spring! - 04/17/14 05:21 AM
Water is the planet's most precious resource. Access to clean water is a privilege that, unfortunately, many people still take for granted.
By utilizing new water efficiency technologies and age-old conservation methods, we can help preserve the water supply for future generations. Cutting down on consumption whenever possible is something that everyone can do to live a little greener.
Making Sure Your Home Holds Water:
The first stop on your journey to save water is to ensure your home is free of water leaks. Make your way through your home, and properly shut off the water at all fixtures and faucets. … (1 comments)

homeowner tips: Four Places To Look For Tax Deductions In Your Home - 04/15/14 09:55 AM
Paying your income taxes each year leave your wallet a bit thin? There may be money hiding in your home that lessens your tax burden. Here are four places to look:
1. Home-Office Deduction:
If you work from home, you could qualify for a home-office deduction. Taking the deduction can be a bit complicated; so many people who qualify don't claim the exemption. An estimated 26 million Americans have home offices, but only 3.4 million claim them on their tax return.
Perhaps that's why the Internal Revenue Service attempted to simplify the process in 2013.
The write-off takes into account depreciation, … (0 comments)

homeowner tips: Important Legal Tips For Homeowners! - 04/02/14 07:56 AM
Being a homeowner is exciting. It can be financially rewarding, too. Unfortunately, it can also put you in a tough legal position. Between the complexities of owning a house, having to deal with lenders and the risk that comes from owning something valuable, keeping yourself legally protected is a good idea.
Here Are Some Risks -- And Some Ways To Handle Them.
HOAs. If you own a condo, townhome or other property in an association, the homeowner association is extremely powerful. Not paying their dues, violating their rules, or doing just about anything else to end up on the wrong side of … (0 comments)

homeowner tips: BUSTED: 4 Myths About Buying Your Home That Just Aren't True! - 03/28/14 03:37 AM
It can be pretty intimidating to dip your toes into the realm of home ownership, especially if you're a first-time homebuyer. To make things worse, there are a number of myths floating around out there surrounding the home buying process.
Such misconceptions have many kept many would-be homeowners from realizing the personal and financial rewards of owning a property. To clear things up, here are 4 myths about buying your first home that simply aren't true.
Myth #1 - "It's Cheaper To Rent Instead Of Own":
If you buy a property that is within your budget and your mortgage terms allow you … (0 comments)

homeowner tips: Legal Secrets For Homeowners. - 03/19/14 05:00 AM
Being a homeowner is exciting. It can be financially rewarding, too. Unfortunately, it can also put you in a tough legal position.
Between the complexities of owning a house, having to deal with lenders and the risk that comes from owning something valuable, keeping yourself legally protected is a good idea.
Here Are Some Risks And Some Ways To Handle Them:
HOAs. If you own a condo, townhome or other property in an association, the homeowner association is extremely powerful. Not paying their dues, violating their rules, or doing just about anything else to end up on the wrong side of them … (0 comments)

homeowner tips: Smart Ways To Create Equity Within Your Home. - 02/24/14 07:01 AM
Home equity is the difference between what your home can sell for and what you owe on it. Generally, the longer you own your home, the more equity you build.
This is money you can use before you sell your home through a home equity loan. Just keep in mind that a home equity loan is secured with your home. If you can't make the payments, you can lose your home.
Use Your Home Equity In Smart Ways:
Remodel Your Home - If you've wanted to add on a family room or modernize your kitchen, consider using your home's equity to fund the … (0 comments)

homeowner tips: Santa's Landing Pad, Tips For Winter Roof Maintenance - 12/13/13 01:52 AM
It's that time of year again when the weather outside gets frightful but the holiday cheer is delightful. You've probably got a lot on your mind during these busy winter months, but make sure that you don't neglect the roof of your home.
Taking care of your roof is an important part of home maintenance and you don't want to suffer a leak or any other problem during the cold months.
So how can you make sure that Santa and his sleigh have a solid and well-maintained landing pad when they touch down at your house this year? Here are some … (1 comments)

homeowner tips: Reasons Why You Should Consider Refinancing Your Mortgage - 11/14/13 06:57 AM
Refinancing a mortgage is a golden opportunity to lock in today's low interest rate for the next 15 or 30 years. While interest rates now are still low, there's a good chance they will be heading up in the coming months.
The Fed won't maintain the current bond purchasing level forever, and just as rates spiked in September when the Fed hinted the bond purchasing would change, rates will spike even more when purchasing levels actually do change.
As interest rates remain very low for 30-year and 15-year mortgages, homeowners can benefit greatly from a refinance. Several types of people in … (0 comments)

homeowner tips: Creative Ways To Recycle Everyday Household Items - 11/12/13 05:46 AM
Every week the trash truck comes to pick up our garbage and unwanted items, which are promptly taken to landfills. Instead of filling landfills and just buying new items to stuff our homes, we can help the earth and recycle everyday household items.
Below are a few fun and creative ideas for recycling things around your home that you might be ready to trash.
Coffee Table Into Bench:
If you just purchased a new coffee table, don't give away the old one — repurpose it. Find a space in your home where you could use some additional seating, like at the … (0 comments)

homeowner tips: 3 Easy Tips To Protect Your Deck This Winter - 10/25/13 06:44 AM
Barbecue season is all but over, and you won't be spending as much time out on the deck. Don't let it get you down, though. Spring will be here before you know it. There are a lot of things that can wear down and damage your deck, so protect your deck and make sure it stays in tip top shape over the winter.
Cover The Furniture:
You want your deck to look as good in the spring as it does now. The first step is to cover all the furniture (don't forget the grill!). Cover everything with commercial furniture covers or … (0 comments)

homeowner tips: How To Manage Those Fallen Leaves - 10/18/13 08:56 AM
The kids are back in school, the weather is getting cooler and your yard is covered in a layer of fallen leaves. Yep, it's that time of the year again, but don't think of fall leaves as a chore. They can be a useful resource for fertilizing your lawn or even decorating your home for autumn.
Finish The Raking:
It's tempting to just let the leaves lie in the yard. It's good fertilizer anyway, right? Wrong. You should rake everything up as soon as the trees begin to look bare, or else risk the blanket of leaves smothering your lawn over … (1 comments)

homeowner tips: 5 Strategies To Secure Your Home Against A Break In - 10/11/13 06:08 AM
Having your home broken into is completely violating. Burglars don't just steal your stuff; they steal your peace of mind. While this is the sort of thing you think will never happen to you, it's worth the time and effort to make sure you're not a target.
Below are five strategies to help secure your home against a break-in.
1. Use Landscaping As A Barrier:
Purposefully place plants in spots that create a natural barrier to your home. Plant thorny rose bushes in front of bedroom windows and remove overgrown shrubs that provide coverage for creepers.
Also, trim back any tree … (4 comments)

 
David Kosmecki (Bay Equity) Rainmaker large

David Kosmecki

Osseo, MN

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Bay Equity

Address: 20965 South Diamond Lake Rd, Rogers, MN, 55374

Office: (763) 519-1100

Mobile: (763) 519-1100

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