Are Lending Standards Loosening?

Are Lending Standards Loosening?

The 5 Most Recognizable Real Estate Brands

The 5 Most Recognizable Real Estate Brands

The State of Real Estate


Homeownership is important and attitudes are positive, however, with the lingering crisis and trouble qualifying for a mortgage, we now find guidance is more important than ever.

What It Took to Get a Mortgage in 2012 [INFOGRAPHIC]

What It Took to Get a Mortgage in 2012 [INFOGRAPHIC]

The Federal Government continues to increase the costs for first time buyers

FHA: More Expensive Than Expected

The Hottest Months for House Searches

It depends on where thy are looking.  Not surprising that only in Florida and Hawaii are January and February the hot months for home searches.

De-cluttering closets

Time to De-Clutter


A brand new year has arrived, spring is just around the corner; it’s the perfect time to clean-out, clean-up, and get re-organized! Your bedroom closet is the perfect place to start. A cramped, chaotic closet can make your mornings very frustrating.



Before you begin a closet remodel, evaluate your closet’s size and prioritize your storage and dressing needs. You should also get rid of items you no longer need or wear by donating them to a local charity.



Consider these suggestions based on

the most common closet types/style



Long, Skinny Closet

Since you are limited on space, you should determine if there are items currently in your closet that could be store in other drawers/cabinets or under your bed, like shoes, purses, and other accessories.

Try using a closet system with half-rods, drawers, and shelves. Place the half-rod in the middle and use hangers that will hold multiple items. Place a tower of shelves to the left for shoes, purses, and accessories. Place a tower of drawers to the right for folded clothing and socks. Don’t forget to put a shelf above the rod to fully utilize all open spaces.

If you are not hanging long items, you could place a second rod below the first one.

Use floor space for shoes, boxes, etc.

Don’t forget the ceiling! Hooks can create another great spot to hang belts and store purses!



Small Walk-in Closet

A closet system is a good idea for any size closet. Being able to customize the size of shelves, drawers, and the location of rods, will allow you to utilize all available space.

Use extra floor space by installing a shelf and storage bins that fit above and below it.

Hang a shoe storage rack over the back of the door.



Large Walk-in Closet / Dressing Room

A large closet like this can be fun to organize and has many available options! Start with your closet organizing system and move forward from there.

A full length mirror will make the closet look bigger and give you a better view. If you have room for a tri-fold mirror, go for it. You’ll be able to get a view from every angle.

Don’t just limit yourself to wall space; consider installing a center cabinet. This cabinet can be fitted with shelves and drawers and will provide a work area as well. It will become a great spot for sorting laundry and folding clothes!

This center cabinet can also serve as a vanity area for make-up, a lighted mirror, jewelry, or other small accessories.

Consider installing a fold up ironing board. It’s a great out of the way spot and is easily stored!

If room allows, consider creating a small, private nook for yourself. A spot for getting dressed, putting on shoes, or even a quiet corner for reading or doing yoga.



A few final thoughts…

Once you have it organized the way you want it, it’s important to keep it that way! Keep it clean and tidy. Organizing clothes by color, type, sleeve length, etc. is just one more great way to get it organized. Now is also a great time to update the light fixture to maximize lighting and provide easier access. Fluorescent lights are the safest and most effective for this type of space.



Go on, get your supplies, gather your creative thoughts,

and get organized!

Where People are Moving To and From

Check this map to see where the popular places are to live.

Where People are Moving To and From

Recorded message regarding what type of property for your investment

Cynthia Joachim, THE NATIONAL ASSOCIATION OF REALTORS®

5 Reasons You Should Buy a Home NOW!

5 Reasons You Should Buy a Home NOW!

Garage Help from This Old House

Read This Before You Organize Your Garage

Let our clutter-busting guide help you get yours shipshape in time for spring

By Mickey Goodman, This Old House magazine

Print Close The Best Reason to Tackle This Project

If you're like most of us, your car is a five-figure investment that you can't do without. Why leave it outdoors, where it can suffer damage from UV exposure, bird droppings, and tree sap? (And climbing into a scalding-hot vehicle in summertime is no fun.) Storing it in a garage will keep it a lot cleaner and could help prolong its life.



The Big Clean-Out: Getting Started

Organizing pros estimate that only 30 percent of us store our cars in the garage. The reason? Too much stuff. These tips will help you get rid of anything you don't need.

• Set aside at least a full day, or even a full weekend or two, to get the job done.

• Make decluttering a family project and invite over a few friends to pitch in, and it'll go a lot faster.

• Go through absolutely everything, including boxes you didn't unpack when you moved in—you never know where that family heirloom might be lurking.



The Big Clean-Out: Continued

• Sort all items into three piles: keep, donate or sell, and toss. Lay them on dedicated tarps or mark off areas of your driveway with chalk and place them there. What should get the boot: outgrown toys, items that are broken beyond repair, expired household chemicals (which may need special disposal), and anything you haven't used in two years or more. If you have a hard time letting go of things that have sentimental value, snap pictures as keepsakes.

• Sort the keepers into broad categories (for example, sports equipment, hand tools), and place them in well-marked cardboard boxes or, better yet, stackable clear-plastic bins you can use later. Put the keepers back in the garage for now.

• As soon as possible, donate giveaways and schedule a yard sale to get rid of castoffs. If you've got too much trash for your hauler to take, use a service such as Bagster (thebagster.com); simply buy the bag at a home store, pack it, and contact the company to schedule pickup and disposal (fees vary).



Store Elsewhere: Paint

Extreme cold or heat can ruin it. Store cans in a more temperate area.



Store Elsewhere: Propane

A spark could ignite the fumes. Tanks should always be kept outdoors.



Store Elsewhere: Paper Goods

They're a magnet for roaches and other bugs. Move them to your pantry.



Store Elsewhere: Refrigerator

It's a huge energy drain in spaces that are not air-conditioned.



Store Elsewhere: Pet Food

Possums and other critters will sniff it out. Keep it in a sealed container inside.



Don't Skimp on Safety

Most of us store lawn-mower gas in the garage, so be prepared for a fire. Get a 5- to 10-pound U.L.–listed extinguisher and mount it in an easy-to-access spot. It should carry an ABC rating, certifying that it's effective against wood, oil, and electrical fires. Though we're sure you know to open the garage door when your car's engine is running (right?), installing a carbon monoxide detector will give you added peace of mind. And while you're at it, check your garage-door opener to make sure it has a U.L.–listed motor and an auto-stop feature that will prevent the door from closing in case a child or pet tries to sneak underneath.



Draft a Floor Plan

Most manufacturers of garage-organizing systems offer free space planning, so use their services as you research how to store all your gear. Before buying anything, take down your garage's dimensions and note the size and location of windows, doors, switches, and receptacles, as well as how much space your car takes up. Then use the following rules of thumb as you assign things a home.

1. Items you use together, such as gardening tools and lawn chemicals, should be stored close to one another.

2. Put bulky equipment, like lawn mowers, in corners, where they won't get bumped or knocked over by your car.

3. Place frequently used items, like bikes, close to the garage door.

4. Stash seasonal or rarely used items in the hardest-to-reach spots.



The Single Most-Important Clutter-Busting Tip

Keep items off the floor whenever possible. You'll free up much more room for your car and avoid sloppy, impossible-to-sort-through piles. If you purchase ready-made shelving units or cabinets, make sure they're raised on legs so that you can clean the floor beneath them easily.



Must-Have Storage Products for Garages

• Stackable clear-plastic bins with lids. (Rubbermaid Roughneck Clear containers, from about $7; walmart.com)

• Clear jars in different sizes for sorting hardware and small items. Simply save food jars and clean them out thoroughly before using.



More Must-Have Storage Products for Garages

• A lockable cabinet for storing lawn chemicals and other stuff you don't want your kids to get into. Enviro Elements 68-inch Resin Multipurpose Cabinet, about $80; lowes.com)

• A portable label maker (such as the Label Manager 260P, about $60; dymo.com) so that you don't have to decipher sloppy handwriting.



Why Open Shelves are Usually Better Than Closed Cabinets

Shelves are less expensive, easier to access (you don't need additional clearance to swing the doors open), and let you easily scan what you've stored. Cabinets with doors give you an excuse to stay disorganized because you can hide the evidence, so they can quickly become messy. Use them sparingly—like when the things you're storing need to be protected from airborne dust and dirt.



Vertical Organizing Systems: Pegboard

$

Pros: Widely available and easy to install, it can be cut to size and even painted to customize the look; several manufacturers make a wide variety of compatible hooks, shelves, and organizers.

Cons: While pegboard can handle lightweight hand tools and other goods, it isn't sturdy enough for hanging heavy objects, like bicycles.

Similar to shown: 48-by-96-inch white hardboard pegboard; lowes.com



Vertical Organizing Systems: Track-Based Systems

$$—$$$

Pros: Shelf standards hang from a single track affixed to wall studs, so these systems can bear the weight of heavier objects; standards, hooks, shelves, and organizers can be relocated easily.

Cons: You must make sure the track is level so that the standards hang straight; they're best for garage walls that are finished and plumb.

Shown: elfa; containerstore.com



Vertical Organizing Systems: Panelized Systems

$$$

Pros: The entire wall is finished with slotted plastic panels that hold lock-in hooks, shelves, and cabinets so that every square inch of wall space can be put to use.

Cons: Some systems must be installed by trained professionals, adding to the cost; you're limited to system-compatible organizing products.

Shown: TekPanels; garagetek.com



Use Overhead Space Wisely

The garage ceiling is a great spot for hanging long, flat stuff you don't use every day, such as ladders and seasonal sports gear. Make sure that any shelves you hang from the ceiling don't interfere with your garage door's operation and that there is enough clearance to avoid scraping the roof of your car.



How to Squeeze in a Workbench

• For the occasional DIYer, a wall-mount fold-down model (such as the Ideal Wall-Mount Workbench, about $300; sears.com) offers a sturdy surface and tucks out of the way when not in use.

• Benches that have built-in tool drawers can be pricey. Instead, flank a simple worktable with shelves and add pegboard above to hold your gear.

• A set of casters turns any table into a mobile workstation; make sure they don't create an uncomfortably tall table.

• Finish it off with a padded stool (such as the MotoGroup Adjustable Rolling Stool, $50; amazon.com) that fits under the table for safekeeping.

Shown: Husky; homedepot.com



Fill Air Leaks Between The Garage and House

Before installing organizers, check for gaps in the wall your garage shares with your house and in the ceiling, if there's a room above the garage. These are the spots where hot or cold air (and the moisture it carries) will seep inside. Seal small gaps with caulk, larger ones with expandable spray foam.



Invest in Good Door and Window Locks

Break-ins often happen when the garage door is left open and the door to the house is unlocked. Always secure the entry door with a dead bolt and keep garage windows locked. Put in a garage-door lock that bolts the door to the sidewalls, and use it when you're away for an extended period. And always close the garage door—even if you're mowing the lawn out back.



Worth-It Upgrade: Epoxy The Floor

That dingy concrete slab will look even more drab once you've tidied up. An antiskid floor coating resists oil stains and wipes clean as easily as a kitchen countertop does—plus the color chips and paint disguise any imperfections. Pick up an all-inclusive kit (such as Quikrete's Garage Floor Epoxy Kit, about $60; amazon.com), and plan to tackle the project when you'll have a few days of temperate, 50- to 80-degree weather for adequate drying time. The key to success is diligent prep work—namely a clean, dry slab.



See the step-by-step How to Epoxy-Coat a Garage Floor.



Seal The Threshold

Rain, windblown leaves, bugs, and mice will find their way inside if the bottom of your garage door doesn't sit flush with the floor. Create a snug fit by attaching a rubberized strip to the floor where the door lands (Threshold Seal, about $70 for a 16-foot strip; griotsgarage.com)—you'll save yourself some cleanup time.



Upgrade The Lighting and Electrical Systems

A bare bulb over each car bay won't cut it. For ambient light, opt for 4-foot fluorescent fixtures with electronic ballasts, which give flicker-free light and work well in cold temps. Space them 4 feet apart and use as many as you need to see well at night. Swap out receptacles with ground-fault circuit interrupters (GFCIs) that cut the power when there's a short in the system.



The Best Way to Pull In

Congratulations! You've now got room to park inside. Here's how to make sure that your cars will always be a good fit:

1. Skip the motion sensors that tell you exactly how far to pull the car in; just hang a tennis ball on a string from the ceiling so that it taps the windshield when you're in the right spot. Ideally, you should be able to walk between the garage's back wall and your car.

2. Protect your car's finish by attaching pieces of scrap carpeting to the walls in spots where the doors or bumper might hit them.

3. Leave the center aisle between two vehicles as wide as possible so that you can roll trash bins to the curb or move bulky objects around without interference.

4. If you have a minivan, back it into the garage with the sliding doors facing the center, then park your sedan next to it facing forward to allow easy access to both vehicles.



Keep It Clean for Good

• In spring and summer, keep insects at bay with a pesticide that relies on natural ingredients (Bugzilla, about $20 for 32 ounces; bugzillapesticide.com).

• Keep a bag of kitty litter handy for absorbing oil and grease spills. Place a broom and dustpan or a handheld vacuum near your workbench to tidy up after working on projects.

• Hose down the floor regularly.

• At least once a year, weed through your belongings and sell, donate, or toss what you don't need.