Coldwell Banker Articles July 25, 2022

4 Ways to Cool Off Your Energy Bill

By Jennifer McGuire        April 17, 2022

Gear up for summer by giving your air conditioner a break and lowering your energy bill at the same time with these home cooling methods. Alternatives like energy-efficient windows, doors and electronics, filters and shading can help chill your home with less energy use, according to the U.S. Department of Energy.

Dress Your Windows

During peak daylight, it’s a good idea to keep window coverings closed to block the sun’s heat. Consider window awnings or roll-down shades for the outside of your home that can be operated remotely or put on a schedule. For your home interior, opt for insulated cellular shades or blinds that block out the sun and have reflective backing. Even fitted drapes that cover the interior blinds can help reduce heat in your home.

Fans for Cooling

A great way to help your air conditioner is to run ceiling fans at the same time. This circulates the cool air, so your A/C doesn’t have to work quite so hard. A whole house fan is an entire air system that’s installed in the attic to pull in air from the windows and push it out through the attic vents. This not only cools your whole home fast, but it also gives your attic, which is a major source of heat, better ventilation.

Adjustable Thermostats

No matter what the temperature is outside, you can always pre-set your thermostat according to the weather report and your schedule. Many new thermostats let you repeat daily settings or even control the temperature with an app. Check out this energy saver video for quick tips on what the optimal house temperateive should be.

Door Draft Stoppers

Consider adding door draft stoppers to your interior and exterior doors. These fitted plastic, magnetic or fabric pieces are placed at the bottom of entrances to stop heat from escaping. They provide the flexibility of being able to cover slight openings and cracks under the door. And don’t forget the sliding glass door — there are extra-long options available to stop the draft before it starts.

Now that you know more ways to stay cool for the summer, you can see what works best for you and your home to make sure you have a nice, cool summer.

 

original article found at https://blog.coldwellbanker.com/4-ways-to-cool-off-your-energy-bill/

Coldwell Banker Articles July 3, 2022

Is It Time to Rightsize Your Home?

Author Alice Garwood

Does your home still fit your needs or is it time to think about the benefits of buying a new one as you enter the next phase of your life? Whether you’re an empty nester with rooms that are no longer used or need more space to raise your growing family, rightsizing – finding a home that’s the ideal size for your current lifestyle – may be the best option.

Assess Your Living Space. Before deciding whether to rightsize, take stock of your everyday life and ask yourself a few questions, including:

  • Are some areas of the house, like formal living and dining rooms, rarely used?
  • Is a dedicated office a must?
  • Do you want a hobby area or kids’ playroom?
  • Is your kitchen too big or too small?
  • Is the garage the right size?
  • Do you prefer a large yard or a cozier outdoor living space?

Look to the Future. If you decide it’s time to make a move, consider your current lifestyle as well as potential changes in circumstances that could occur in the next few years to determine what size home is best. Maybe you’re planning to have more children, retire in a few years or anticipate an aging parent moving in with you. While you might not need extra space right away, you could in the near future.

Great Layout vs. Square Footage. Getting hung up on a property’s square footage could mean missing out on your dream home, especially in today’s highly competitive market. If a house or condo has the number of bedrooms, baths, kitchen and amenities you want, but its square footage is somewhat less than you envisioned, it still may be worth considering if it has a well-designed layout that uses space efficiently.

Review Your Finances.

Whether you’re looking to downsize or up-size, how much you can afford extends beyond monthly mortgage, tax and insurance payments. Relocating from a sizable residence to a condo or townhome – perhaps in a maintenance-free community with amenities – could mean significantly higher HOA fees and require you to buy new furniture that fits smaller spaces, while a bigger house will have higher utility costs and need additional furnishings to fill extra rooms.

Regardless of your reason for wanting to move, a Coldwell Banker agent has the tools and resources to help you sell your current home and find a new one that’s right for you.

original article found at https://blog.coldwellbanker.com/is-it-time-to-rightsize-your-home/
Coldwell Banker Articles June 29, 2022

Let’s stand together to make unfair housing history

Author Athena Snow

By Ryan Gorman, CEO, Coldwell Banker

At Coldwell Banker, we’re committed to supporting and expanding equal access to housing for all and we stand together to help build thriving, inclusive communities that fuel economic growth and prosperity. We honor this commitment by commemorating Fair Housing Month in April.

The History of Fair Housing

National Fair Housing Month celebrates the passage of the Fair Housing Act, a national law that prohibits discrimination in the sale, rental, and financing of housing based on race, color, national origin, religion, and gender. The Fair Housing Act was signed into law by President Lyndon B. Johnson in April 1968 after the assassination of civil rights leader Dr. Martin Luther King, Jr. and was later amended to include protections for people with disabilities and families with children. By regulation, protection has also been extended to include gender identity and sexual orientation. Additionally, state or local fair housing laws provide for additional protections like source of income including the use of vouchers.

Why National Fair Housing Month is Important

Fair Housing Month is especially significant to those of us who work in the real estate industry. As real estate professionals, our work has a direct impact on the wealth gap of demographic groups and the overall state of fair housing in the communities, neighborhoods, and markets in which we operate.

Every real estate transaction affects the very fabric and composition of every neighborhood, town, and city. Illegal and discriminatory policies and practices from the past and present, such as redlining, continue to contribute to neighborhood segregation, socio-economic inequality, and the marginalization of certain groups and communities.

I made it my mission to learn more about the history of fair housing, housing policy, discrimination, and segregation in our society and in real estate. While our industry has made tremendous progress in the past 50 years, there is still work to do, and as one of the largest residential real estate companies in the world, Coldwell Banker can be a force for good to drive change. This month is an opportunity to remind ourselves of the responsibility we all have to learn more about how we can become allies and advocates in removing barriers to housing opportunity, and to advance inclusive, vibrant communities.

Visit us at ColdwellBanker.com/Diversity to learn how we are making a difference, and how you can, too.

You Can Also Learn More About Fair Housing:

Original Article found at https://blog.coldwellbanker.com/lets-stand-together-to-make-unfair-housing-history/

Coldwell Banker Articles June 22, 2022

Grilling Up For Summer

Written by: Jennifer McGuire       April 6, 2022

Nothing says summer like the smell of barbeque in the air. And there’s nothing better than a backyard gathering of friends and family while the hamburgers, brats and ribs are smoking away. Grilling has become both a favorite pastime and a lifestyle for many, and with so many heating and fuel source options, it’s easy to see why.

As you plan for your next backyard gathering, here are three of the most popular types of grills you might want to consider.

Charcoal Grills

A longtime favorite, charcoal grills are easy to use, deliver a rich, smoky flavor and are typically less expensive. Many barbecue grill masters swear by them and won’t grill any other way. Charcoal grills can reach high temperatures and give your food a distinct flavor. This is also beneficial when cooking tougher cuts of meat for extended periods of time – allowing them to break down into tender meat with extremely pronounced flavors.

Pellet Grills

These are fast becoming one of the most popular methods of grilling. Most appealing is that they act as both a smoker and grill, which is ideal for many people. Fueled by wood pellets and easily adjusted electronically, pellet grills are super convenient, especially when cooking things like brisket, ribs and large roasts – allowing that you let the meat cook without much monitoring.

Gas and Propane

This type of grill operates with burners that fire on three, four or more burners to cook your food from below with either direct or indirect heat. Gas grills require the shortest amount of heating before you start grilling, making them one of the more popular options. With several sizes and styles to choose from, gas and propane grills are easy to use and cook food quickly, which makes them perfect for large barbeque parties.

Whatever type or method you prefer, you’ll have no shortage of backyard fun this summer. Grilling is a great way to create lasting summer memories while enjoying a perfectly cooked, juicy burger with your favorite people.

Coldwell Banker Articles June 15, 2022

Turn Your Home Into A Relaxing Oasis

author: Jennifer McGuire

If you want a relaxing sanctuary to luxuriate in every day, it can be found as near as your bathroom door. Follow these do-it-yourself tips to convert your primary bathroom into a spa-like retreat, and your relaxed body, mind and soul will be glad you did.

Give a Jacuzzi Tub a Whirl

To transform your bathroom into a home spa, install a modern soaking tub for a total immersion in the therapeutic benefits of bubbling water. If a do-it-yourself bathroom remodel isn’t in the offing, convert your tub into a hydrotherapy whirlpool with equipment that fits over the side to whip your water into a healing frenzy. There’s also the simple fix of installing a spa-like massage showerhead that melds relaxation with hygiene to make you feel and smell good all over. When you’re done, finish the spa experience with a warm wiping, courtesy of you freestanding electric towel warmer.

Speaking of Smelling Good

Scent contributes to the mood you are in, so make sure aromatherapy is part of your bathroom spa experience. Hang eucalyptus from your shower head for a refreshing scent. Place reed diffusers on your bathroom countertop. Or finish up a hard day’s work with a treat for the senses by adding aromatic essential oils to Epsom salts for an in-home mineral bath.

Make It Music to the Ears

Spa music should transport you to a Zen-like place of peace and tranquility, and good choices are acoustic tunes and the sounds of nature. Or, go Simon and Garfunkel with your own “Sounds of Silence” smartphone playlist and listen to it through waterproof Bluetooth speakers while relaxing in the tub.

With a sprinkling of ingenuity and a smattering of inspiration, you can easily convert your primary bathroom into a modern-day spa worthy of the ancient Romans!

original article found here: https://blog.coldwellbanker.com/turn-your-home-into-a-relaxing-oasis/
Coldwell Banker Articles June 7, 2022

Make the Most of Your Outdoor Space

author: Jennifer McGuire

We all want to spend as much time as we can outside during the summer months. There’s nothing quite like a relaxing summer day in the backyard with friends, hosting a barbeque or enjoying an evening under the stars around the firepit. Summer is made for chilling and breathing in the fresh air and just unwinding after a long day. So this month, ramp up your outdoor space and bring your indoor style right to your backyard.

Bonus Living Spaces
More and more, people are treating their backyard spaces as an extension of their living space. From outdoor pergolas to string lights, trendy rugs and comfy, weatherproof sectionals and lounge chairs, homeowners are creating stunning open-air outdoor living spaces. You don’t even have to have a huge space, you can add smaller pieces to your deck or patio to create a relaxing, cozy sanctuary. Whatever your indoor style is, you’re sure to find similar outdoor pieces.

Inspirational Botanicals
The right plants, flowers and planters can make all the difference when it comes to creating a warm, inviting and colorful outdoor space. With so many stylish planters available, you can easily find ones that match your style and fill them with a variety of herbs, flowering annuals, cactuses, plants and shrubs. If you live close to a farmers’ market, be sure and check them out as they typically have a huge variety of cost-effective flowers, plants and herbs to fill your yard, patio or balcony.

Small Space Solutions
There are tons of creative ways to transform a small space and make a big impact. Start with some lively décor, potted plants, outdoor pillows, candles and small scale furniture. Consider a vertical garden where you can plant your favorite herbs and vegetables. Adding string and solar lights can also help make a space feel extra cozy. And when it comes to furniture, think about a bistro set for casual dining, foldable and stackable chairs or a small loveseat and ottoman. There are tons of creative ways to make a big impact in a smaller space.

If you’re limited on outdoor space, don’t let that stop you from creating the perfect outdoor oasis. Infusing your personality and style to your backyard, balcony or back porch is the perfect way to gain more living space and enjoy a place where you can enjoy more fun in the sun all summer long.

 

original article found here: https://blog.coldwellbanker.com/make-the-most-of-your-outdoor-space/

Market updates June 2, 2022

Now is the time to sell!

I love putting my headphones on in the morning and listening to music while writing one of my weekly blogs.  I think everyone gets their inspiration from many different things and some of my best come from music.  I still read my daily quotes… but music?  It doesn’t get any better!   There is nothing more calming while at the same time as energizing than the lyrics of a song that is well written.  So this morning I have Adele speaking to me  (and trust me I am tasting every word)  while holding my first cup of magic and I am ready to go!!!

Now on to what this post is about……  We are now ending the first week of  June and the housing inventory is still historically low.  Although it is not uncommon for inventory to be low in early Spring in Northern Michigan and I hate to sound like a broken record, but if you are thinking of selling there is no better time than now!  There are very few homes to choose from currently, therefore, making what is available very appealing to buyers, not to mention the historic prices that sellers are seeing!  I believe you will be pleasantly surprised the equity you have in your home. If you are thinking at all about listing your home this year, now is the time to do it!  I would love to talk with you regarding your options and provide you with a an opinion of what your home may sell for and the services that I provide in order to help you obtain a quick and smooth sale.

Jamie Kardosh, Coldwell Banker Schmidt, Petoskey, Michigan

www.jamiekardosh.com

231-838-2095

Coldwell Banker Articles May 24, 2022

How to Partially Finish Your Basement on a Budget

Author: Houzz Contributor, Nicole Jacobs

We’re always looking for more space in our homes, it seems, whether for extra storage, an additional living zone or a new spot to decorate. Often, valuable space can be found in the basement, but fully developing this square footage can be expensive. Add up the costs of framing, flooring, drywall, electrical and finishes, and your project may run into the thousands of dollars. Introduce new décor, and you’ve got an even pricier endeavor.

But there are ways to enjoy that below-grade space while avoiding the hefty price tag of a full remodel. Partially finishing your basement can offer warmth, style and comfort, as well as that extra space you’re craving. Here is how to get the most out of an unfinished basement without breaking the bank.

Create an Industrial-Style Living Room

1. Keep the ceiling exposed. This smart basement renovation reveals a key secret to enjoying a partially finished basement: Keep the ceiling open. We don’t all have the advantage of deep basements with high ceilings, and we need all the help we can get, height-wise. While there are some stylish drop-ceiling panels now available, keeping the ceiling joists open and painting them a bold color, such as black, creates the illusion of depth, helping the ceiling to recede and become less noticeable. The added advantage is that your wiring is available to you without having to cut into drywall.

2. Ditch the drywall. Paint is quite often the quickest and least expensive way to freshen and update a room.

Another tip is to drywall only some areas of the room. A limited use of drywall can demarcate spaces, add interest and keep costs down.

Another unexpected and low-cost alternative wall material is an engineered lumber such as oriented strand board. OSB, which is typically used for subfloors or sheathing in construction — making it an unconventional choice for walls — is acreative, less expensive way to cover your concrete walls and divide living zones. The key to using a material like this is to apply it to a large area so that it’s clear that using it was an intentional design choice.

3. Capture the power of white. This basement obviously gets a lot of natural light, thanks to the fact that it is a walk-out basement-style space. But a great way to provide the illusion of light and to add ceiling height is to paint everything white. In this room, with the exposed ceilings and walls painted a crisp white, it’s hard to tell where the walls end and the ceilings begin.

4. Establish a focal point. Go ahead and furnish your unfinished below-grade space as cozily as you would your upstairs, finished rooms. A great way to do this is to furnish around a focal point. Here, the designer created a focal point for the room by adding a bar and a shelving area with space for a TV, books and games. Graphic rugs and large, soft furniture and lighting bring warmth and life to the space.

Note that this basement is, like the other examples, mostly unfinished. The ceilings are open, the concrete block wall is painted, and it appears the concrete floor is as well. Finally, the owner chose white wall paint. This room shows how this simple formula for a basement can form the backdrop for a cozy living space. The finished decorative and soft furnishing elements add the comforts that make the space feel homey.

Outfit a Laundry Room

For many of us, basement laundry means a dark and dank place to toss the clothes in, pull them out and quickly run back upstairs. But this doesn’t have to be the way we choose to live. A little effort can convert an ugly space to one where you’ll want to spend time.

1. Get creative with paint and decor. This basement laundry is left nearly entirely unfinished, but with some creativity it’s become a clean and bright corner nonetheless. The exposed ceiling joists are painted a deep charcoal, the concrete floor is a fun red, and wood shelving and furniture add interest and utility. A throw rug warms up the floor, and what appears to be reclaimed wood boards frame off a private bath.

2. Install cabinetry. The money saved on finishing flooring, walls and ceiling can often be better spent on cabinets in your basement laundry area. Additional cabinetry can be used for a variety of things, like storing dry goods, linens or out-of-season clothing.

Build a Bathroom

Adding a bathroom to your basement can be a worthwhile venture. In addition to being functional, it adds a lot of value to your home. But basement bathroom additions are costly, especially if you don’t already have the plumbing and drains roughed in. If you’re lucky enough to have this option, finishing it on a budget will be rewarding.

1. Just do the basics. This bathroom, which abuts one of the laundry rooms I’ve featured, is mostly unfinished. Creatively sectioned off with wood planks and paint, it proves that a bathroom need not have marble and high-end finishing to be warm, cute and functional.

2. Dress up with shine. Another otherwise unfinished space with exposed ceiling joists and concrete walls and floor, this bathroom has all the components to be completely functional, yet also sharp. Stock cabinetry is added for necessary storage, and the mirror, lighting and accessories provide some glitz. Mirrors and other shiny accessories can be found at a variety of price points, helping you to stick with your budget.

3. Leave it open. Another way to save some money in your basement bathroom is to skip the walls altogether. Here, a section of the basement is used for the bathroom, which is open concept. The shower is made out of a tiled curb with a curtain bar, giving it a modern look when privacy is not a concern. The toilet, not seen in this photo, is in a separate, walled-off enclosure behind the wall with the towel bar.

Workspace

Workspaces are often hard to come by, and if you can designate a corner for one in your basement, you’ll be glad for it. Surprisingly, it doesn’t take much to create a bright and functional zone out of, well, nothing.

1. Furnish and decorate. This basement office room works so well because it really has everything you need. Again, this is essentially a raw basement that has been cleaned up with paint. Two collapsible tables are tucked into a corner to create ample desk space. An antique-style armoire and side table add hefty traditional elements that dress up the zone and offer storage. An area rug warms the painted concrete floor, and the bright task track lighting is layered with the warm glow of a table lamp. The pretty butterfly mobile finishes this space.

2. Make a rug statement. Carpet tiles are a cost-effective option for basement flooring as they can be purchased by the box and laid out to separate a zone or add warmth to a bare concrete floor.

3. Make a spot for the kids. Kids come with a lot of stuff, from toys to books and crafts, and a neat little work area in your basement is the perfect spot to organize it all.

original article found here: https://blog.coldwellbanker.com/partially-finish-basement-budget/

Coldwell Banker Articles May 11, 2022

Five Tips for an Awesome Outdoor Movie Night

Written by: Jennifer McGuire     April 3, 2022

There’s something magical about watching a movie on a warm summer night under the stars with friends. If you’re not close to one of the few drive-in theaters still in existence, no worries – you can easily transform your backyard into an outdoor home theater. Here are five tips for turning your backyard into a pop-up movie theater.

Projector and Screen

If you want to capture the essence of the drive-in theater, there’s no substitute for a good projector. An outdoor projector should be at least 1,200 lumens, a measurement of how much light a device emits. Another must-have feature are HDMI ports, so you can connect items such as Blu-ray DVD players. If you don’t want to invest in a projector, bring your TV and DVD player outside.

Comfy Seating

Provide your guests with a range of comfortable seating options, including patio furniture, lounge chairs, blankets and outdoor pillows. Of if you have a pool, even better. Host a raft-up party and invite guests to bring their own pool float to relax on while the movie plays.

Snackage

Step up your game by creating a popcorn bar for guests. Fill small decorative bags with popcorn and offer an assortment of candy treats, marshmallows and other sweet mix-ins. And, of course, a movie night wouldn’t be complete without offering some classic movie-theater candy like Raisinets, Jujubes and the perennial favorite – Junior Mints!

Soft Lights

While your yard needs to be dark enough to see the movie, you also will need a little light so guests don’t trip over each other on the way to the snack bar. String lights and luminaries are a nice inexpensive option, casting a glow over your yard without distracting from the movie.

De-bugging

Spray the backyard before guests arrive, or, if your backyard isn’t generally buggy, offer them insect repellent. There is quite an array of natural bug-repelling options available to keep the swatting to a minimum.

Hosting a backyard film fest isn’t as challenging as you might think. With just a little planning ahead and some creativity, you can bring the drive-in movie theater experience to your backyard… possibly even better.

original article found here: https://blog.coldwellbanker.com/five-tips-for-an-awesome-outdoor-movie-night/

Market updates May 3, 2022

INTEREST RATES? NOT REALLY THAT BAD GUYS… HOUSING PRICES WELL…THEY ARE A RUNAWAY FREIGHT TRAIN!

I’m sure you don’t want to talk interest rates BUT, actually they are not that bad!
Oh yes, rates have increased in the past 12 months, and I am sure by the time I post this they will have adjusted again.  Below you will see some statistics posted by CNBC below:
The average interest rate for a 30-year fixed-rate mortgages with a conforming loan balance ($647,200 or less) increased to 5.20% last week from 5.13%.
Refinance demand fell another 8% for the week and was 68% lower than the same week one year ago.
Mortgage applications to purchase a home fell 3% for the week and were 14% lower than the same week one year ago.
With all this said, in my lifetime these are still good rates, no joke!  You are reading a blog from someone that paid an interest rate of 13.5% on my first mortgage and that was on an ARM.  Yes, you read that right, 13.5% on an adjustable-rate mortgage!  I couldn’t afford a fixed rate because at the time it was 16%!
I’m not saying the increase does not affect your buying power and/or your budget but in all honesty, keep in mind down payment and credit scores are also a factor  as these willl also affect your interest rate. The following are examples what your principal and interest payments would be for a 30-year $200,000.00 mortgage:
4% $954.83,
5% $1,073.64
6%$1,199.10
Yes, a difference but not a huge difference.  What is hindering the buying power right now is the runaway freight train of home prices!  We need more affordable housing for young AND older buyers and if you look around, I think I am finally seeing much more construction starting I’m just not sure how affordable!
Jamie Kardosh 231-838-2095