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Tuesday, February 17, 2015

Friday, November 7, 2014

Cleaning Your Tub Drain 1-2-3

Tool– Zip It ® Drain Cleaner

1 Unscrewthe drain stopper

2  Thread “Zip It ®” tool into drain

3   Pull  “Zip It ®” tool from drain to remove hair

Monday, November 3, 2014

Back to Basics - Your Heating and Cooling Systems

All homes have somemethod of heating.  The most common typeof heating system is a forced air furnace. The furnace can be powered byelectricity or gas.  Temperature iscontrolled by a thermostat.  The heatfrom the furnace enters the home through vents in walls and/or ceilings andcold air is returned to the furnace through larger vents called “cold airreturn” vents.  Another type of heatingsystem is hydronic or hot waterheating.  In this type of heating thewater is heated in a boiler, which is typically powered by gas or electricity,and then circulated through pipes to convectors or radiators located throughoutthe house.

If the home has acooling system it will be one or more of the following three types of systems;Air Conditioner, Evaporative Cooler (Swamp Cooler), Attic Fan.
Airconditionersare run by electricity.  They can be roomor whole house units.  Room airconditioners are mounted in windows or walls and are operated manually.  Whole house units are set on a cement slab outsideand are connected to the furnace venting system and controlled by thethermostat. 
EvaporativeCoolers (swamp coolers)require both electricity and water. Swamp coolers can be mounted in windows, walls or on the roof.  The control is located at the swamp cooler oron a separate thermostat inside.  Wateris piped to the swamp cooler via a copper tube connected to your cold waterline.  A shut off valve is installed atthe branch.
WholeHouse fansare run by electricity and are located in the ceiling on the upper floor andvent into the attic. House fans should be used only at night after the outsidetemperature has dropped.  This pulls thecooler outside air through the house the hot air is vented into the attic.

MaintainingYour Heating Systems

  • ?Install smoke andcarbon monoxide detectors in recommended locations throughout your house.
  •  Change batteries inyour smoke and carbon monoxide detectors every 6 months.
  • ?Change or cleanfurnace filters regularly. Check monthly at first to determine appropriate replacementinterval for your home and lifestyle. Dirty filters will prevent your furnacefrom running efficiently wasting energy, money and potentially causing damageto the furnace. Note:  The filter mustbe changed year round if you have whole house (central) air-conditioning)  How to change your furnace filter
  • Have your furnace cleaned and serviced annually to prolong the life of your system.
  • ?Have fireplacesinspected and serviced every year. For wood burning fireplaces contact achimney sweep for gas fireplaces contact a gas appliance service company.
MaintainingYour Cooling Systems

  • Evaporative coolers(AKA swamp coolers) should be drained seasonally to prevent water lines fromfreezing and splitting. Cooling pads should be replaced every 2 years.
  • ?Central Humidifierfilters should be inspected and cleaned or replaced on a regular basis.  Check monthly to determine appropriatereplacement interval for your home and lifestyle, then perform routinemaintenance.
  • Air conditionersshould not be run if the outside temperature is below 65 degrees F.
  • Whole house air conditioning systems should be serviced annually.
Some helpful links:

Back To Basics - Locating You Water Shut-Off Valves

One of the things I talk about in a number of my classes (home maintenance, plumbing and weatherizing) is the importance of knowing where your main and individual water shut-off valves are located.  This is not only vital information in an emergency, it is also important for safely and efficiently completing your home repairs and improvements.

The following is a list of the shut off valves and switches and how to locate them.

Main water shut off valve
This valve is typically located on the lowest level of your home which in some cases may be a crawl
space. Go to the wall that is closest to the street and look for a valve that looks like one of these pictures and is connected to a pipe that is coming through the foundation wall below ground level or up from the ground in a crawl space.
If you can't find it this way start at your water heater and follow the cold water pipe until you can find where it enters the house.  Your shut off valve may be concealed behind a panel in the wall in a finished basement.
Water shut-off valve for sprinkler systems.
This valve is typically located near the main water shut off.  The water supply line for irrigation systems often branches off the main water line near were it enters the home.  Look for a shut off valve that looks like the main shut off valve.

Individual water shut off valves
In newer homes it is required that every individual fixture (sink, toilet, washing machines, laundry tubs) has a shut off valve on any water supply line.  This is not necessarily true for tubs and showers and I don't know why that is.  The valves should visible and accessible. Look under sinks, behind toilets and behind your clothes washer.

Water Heater shut off valve.
Every water heater should have a shut off valve on the cold water

supply line to the unit. This allows the unit to be serviced or replaced without having to shut the water off to the entire house.

Saturday, September 20, 2014

Guidelines for a smooth loan process

Loan Do’s and Don’ts

DO... Start the process early.  Get Pre-Qualified prior to making any offers.
DO… Disclose everything about your financial situation upfront. Tell your lender about the source of your down payment, giftfunds, money transfers, credit challenges, etc.
DO... Respond to all documentation requests from your loanofficer ASAP.  Keep all original copiesof paystubs, w-2’s, bank statements, tax returns, etc. 
DO... Keep your real estate agent and loan officer informedof any changes to your credit, income and debts.
DO... Ask questions 

DON’T… Make a job change without inquiring about the impactit will have on your loan qualification.
DON’T… Make any major purchases prior to closing on yourloan.  Taking on new debts or evenincreasing current balances on revolving credit accounts can have a negativeimpact on your credit score and qualifying ratios.
DON’T… Move the source of your down payment without properdocumentation or make any unexplained deposits in any of your accounts for 60days prior to closing.
DON’T... Forget there is a difference between what you canqualify for and what you may be comfortable paying. Qualifying for a higherpayment does not mean you should overspend.

Thursday, August 7, 2014

Why downsizing (rightsizing?) was one of the best decisions we ever made

In 2008 my husband, Bill, and I started casually talking about moving into a smaller home.  Our girls were out of the house, he was planning on early retirement and neither of us were interested in taking care of a big house any longer.  So, we decided to start looking around to see where we might want to live and figure out what kind of house we really wanted.
As I am the data driven one in the relationship I decided to make a list of things we wanted or needed based on some practical points.
  1. The first was pretty simple, how much space did we really need?   I calculated the floor space of the rooms we actually used in the house.  Obviously we were comfortable living in that size space since we were already doing it. 
  2. How much did we want to pay and where did we want to live?  As anyone who has recently been researching real estate these 2 items go hand in hand.  There are areas of Denver where you can pay $500,000 for a 1,500 sq ft house or you can pay $200,000 for a the same size house. We certainly didn't want to increase our monthly mortgage to get a smaller house so we had to concentrate on areas that met our needs: nice neighborhoods, easy access to parks, shopping and downtown, access to light rail and potential for appreciation of our investment.
  3. Once we had the area picked out it was time to starting looking.  A few days of looking and discussing the advantages and disadvantages of various features of homes we were able to make a list of 'must haves', 'would like to have', 'would be okay' and 'deal breakers'. 
We were able to find a house that is just right for us.  It had all the things we needed, a few things we wanted and none of the 'deal breakers'.  We were able to find a home with great 'bones' (you can read about that here).  The payment is less than what many people pay for a 1 bedroom condo in downtown Denver. The interior needed up-dating but we have spent the last 6 years methodically updating a room at a time along with some major landscaping work and we have exactly what we want and couldn't be happier.

Are you ready to downsize?  Here's a great article about Money-Smart Reasons for Downsizing by Dave Ramsey that makes the financial case for you.  

If you're ready to take the leap and downsize to your perfect next home, contact me, I'd love to help.
I am a licensed real estate broker in the state of Colorado with over 10 years of comprehensive experience in real estate.

Maintaining your water heater

Modern water heaters are difficult to repair and don't require a lot of maintenance.  This disadvantage with water heaters today is that they life span of a typical water heater is between 10 and 12 years.

To increase the life of your water heater here are some recommendations:
  • Lower the temperature setting on the thermostat to 120° F.  This provides sufficient hot water for
    most families, reduces the chance of scalding, and decreases wear on your water heater's tank.
  • Corrosion happens faster in hotter water. Your water heater is built with a sacrificial anode that helps protect the steel tank by providing a replaceable component that sacrifices itself to the naturally occurring corrosive compounds in the water. This anode should be replaced periodically.
  • Sediment is small particles of debris that settle out on the bottom of your water heater. A drain valve at the bottom of every water heater provides a way to drain sediment from the tank. If your water heater rumbles or makes other noises, you probably have a build-up of sediment in the tank and should consider draining a portion of the water to remove the sediment.
Steps to drain a water heater
  1. Turn off the water supply shut-off valve.  This valve is located on the cold water supply to the water heater.
  2. Turn the temperature dial to 'vacation' mode.  This will prevent the burner from actuating while the water heater is draining.
  3. Attach a garden hose to the drain valve at the bottom of the water heater and direct the hose to a safe location.  If you have a floor drain nearby you can drain it there.
  4. Open up the drain valve and beginning draining the water.  If you don't see any sediment in the water you can stop at any time.  If there is sediment in the water continue to drain until the water is clear.
  5. Close the valve and disconnect the hose.
  6. Turn the water supply back on
  7. Turn the temperature dial back to your original setting.
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