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Being the daughter of a mechanical engineer (who was also in the military), we had lists for everything....there was a place for everything and everything had to be in it's place. I wish I could keep up with that philosophy still today, however I can share some of my Dad's ways to winterize a home....I grew up in New England and the winters were cold so he had us prepapred.
Winterizing Your Home
Preparing Your Home for Winter
Here are ten tips to help you prepare your home for winter:
1) Furnace Inspection
•· Call an HVAC professional to inspect your furnace and clean ducts.
•· Stock up on furnace filters and change them monthly.
•· Consider switching out your thermostat for a programmable thermostat.
•· If your home is heated by a hot-water radiator, bleed the valves by opening them slightly and when water appears, close them.
•· Remove all flammable material from the area surrounding your furnace.
2) Get the Fireplace Ready
•· Cap or screen the top of the chimney to keep out rodents and birds.
•· If the chimney hasn't been cleaned for a while, call a chimney sweep to remove soot and creosote.
•· Buy firewood or chop wood. Store it in a dry place away from the exterior of your home.
•· Inspect the fireplace damper for proper opening and closing.
•· Check the mortar between bricks and tuckpoint, if necessary.
3) Check the Exterior, Doors and Windows
•· Inspect exterior for crevice cracks and exposed entry points around pipes; seal them.
•· Use weatherstripping around doors to prevent cold air from entering the home and caulk windows.
•· Replace cracked glass in windows and, if you end up replacing the entire window, prime and paint exposed wood.
•· If your home has a basement, consider protecting its window wells by covering them with plastic shields.
•· Switch out summer screens with glass replacements from storage. If you have storm windows, install them.
4) Inspect Roof, Gutters & Downspouts
•· If your weather temperature will fall below 32 degrees in the winter, adding extra insulation to the attic will prevent warm air from creeping to your roof and causing ice dams.
•· Check flashing to ensure water cannot enter the home.
•· Replace worn roof shingles or tiles.
•· Clean out the gutters and use a hose to spray water down the downspouts to clear away debris.
•· Consider installing leaf guards on the gutters or extensions on the downspouts to direct water away from the home.
5) Service Weather-Specific Equipment
•· Drain gas from lawnmowers.
•· Service or tune-up snow blowers.
•· Replace worn rakes and snow shovels.
•· Clean, dry and store summer gardening equipment.
•· Sharpen ice choppers and buy bags of ice-melt / sand.
6) Check Foundations
•· Rake away all debris and edible vegetation from the foundation.
•· Seal up entry points to keep small animals from crawling under the house.
•· Tuckpoint or seal foundation cracks. Mice can slip through space as thin as a dime.
•· Inspect sill plates for dry rot or pest infestation.
•· Secure crawlspace entrances.
7) Install/Check Smoke and Carbon Monoxide Detectors
•· Some cities require a smoke detector in every room.
•· Buy extra smoke detector batteries and change them when daylight savings ends.
•· Install a carbon monoxide detector near your furnace and / or water heater.
•· Test smoke and carbon monoxide detectors to make sure they work.
•· Buy a fire extinguisher or replace an extinguisher older than 10 years.
8) Prevent Plumbing Freezes
•· Locate your water main in the event you need to shut it off in an emergency.
•· Drain all garden hoses.
•· Insulate exposed plumbing pipes.
•· Drain air conditioner pipes and, if your AC has a water shut-off valve, turn it off.
•· If you go on vacation, leave the heat on, set to at least 55 degrees.
9) Prepare Landscaping & Outdoor Surfaces
•· Trim trees if branches hang too close to the house or electrical wires.
•· Ask a gardener when your trees should be pruned to prevent winter injury.
•· Plant spring flower bulbs and lift bulbs that cannot winter over such as dahlias in areas where the ground freezes.
•· Seal driveways, brick patios and wood decks.
•· Don't automatically remove dead vegetation from gardens as some provide attractive scenery in an otherwise dreary, snow-drenched yard.
•· Move sensitive potted plants indoors or to a sheltered area.
10) Prepare an Emergency Kit
•· Buy indoor candles and matches / lighter for use during a power shortage.
•· Find the phone numbers for your utility companies and tape them near your phone or inside the phone book.
•· Buy a battery back-up to protect your computer and sensitive electronic equipment.
•· Store extra bottled water and non-perishable food supplies (including pet food, if you have a pet), blankets and a first-aid kit in a dry and easy-to-access location.
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Found this great link I thought I woud share as far as fun things to do in and around New Jersey, from hayrides, to haunted house to corn mazes....Have fun and Happy and (safe) Trick or Treating!!!
http://www.funnj.com/holidays/halloween/halloween.htm
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NEW YORK (AP) - Home prices rose for the third straight month in August, data Tuesday showed, a key sign for a broad and sustained housing recovery.
The Standard & Poor's/Case-Shiller home price index of 20 major cities climbed 1 percent from July to a seasonally adjusted reading of 144.5. While prices are down 11.4 percent from August a year ago, the annual declines have slowed since February.
The latest index shows a widespread turnaround with prices rising month-over-month in 15 metro areas since June.
"If the increases are consistent across the markets, this is key," said Wharton School real estate professor Susan Wachter before the index was released. "Then we're seeing the formation of a bottom."
However, Wachter along with other industry experts still worry that rising unemployment and more foreclosures could stifle the rebound. Another unknown is whether a temporary federal tax credit for first-time buyers will be extended to help boost sales.
First-time homebuyers can receive a credit of 10 percent of the sales price, up to $8,000. The real estate industry is lobbying Congress to extend the credit past the Nov. 30 deadline. Top Democrats in the Senate are pressing a plan that would prolong the credit but gradually phase it out over the next year.
Not all metros posted gains in August, though. Prices in Las Vegas, Seattle and Charlotte, N.C., all fell to their lowest levels in August. Prices in Las Vegas have plunged by 56 percent since peaking in April 2006, the largest peak-to-trough decline of all 20 cities.
...I have been saying for awhile, it is a combination of the "perfect storm" right now to buy in....decent inventory, competitive prices, and historic low-interest rates...we are beginning to see signs of a fairly balanced market in most price points. The high-end are always the last to be affected in a recession and the last to recover but that will follow.
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There were big doings at the White House last week over the future of Fannie Mae anThe Obama administration confirmed that it is putting together overhaul plans to restructure Fannie and Freddie, and maybe strip away their money-losing toxic loan portfolios to create a single, new super mortgage source.d Freddie Mac, the ailing giants who still finance roughly six out of ten new home mortgages in the U.S.
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How the administration's plans develop over the coming weeks could prove crucially important for home buyers, sellers, builders and other realty professionals -- and could expand, or restrict, the types of mortgages available in the marketplace.
If, for instance, the replacement for Fannie and Freddie is confined solely to buying the safest, least-likely-to-default types of mortgages, the menu of loans available to buyers theoretically could be limited to fixed-rate 30 year and 15 loans with big downpayments and high credit scores.
Though the White House is mum on where it's headed, the National Economic Council last week formally took up the question of what to do with Fannie and Freddie.
The council reportedly is exploring what officials call a "bad bank-good bank" scenario.
Under such a plan, hundreds of billions of dollars of seriously delinquent and nonperforming mortgages currently held in the two companies' portfolios would be transferred to a new entity that would manage their accounts, collect payments, attempt modifications and workouts where possible, and ultimately own the proceeds from foreclosures or loan sales.
The "good" bank, on the other hand, would come to life with a totally clean slate, buy mortgages from originators nationwide, and would seek to be profitable by minimizing risks
James Lockhart, the departing CEO of Fannie's and Freddie's regulator, the Federal Housing Finance Agency, has spoken in favor of this concept, as has Lawrence Summers, director of the president's National Economic Council.
Though the Obama administration has not indicated its timetable on Fannie and Freddie's future, analysts expect the plan to be rolled out in time for Congress' consideration early next year.
Why should real estate professionals care what happens to Freddie and Fannie, or keep a close eye on the administration's plans?
Because an overly risk-averse replacement agency, combined with the continuing absence of a private securitization market to handle higher risk or specialized loan products, could stand in the way of home purchases by self-employed individuals, or consumers with less than perfect credit.
Written by Kenneth R. Harney
August 10, 2009
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Borrowers current on payments with Fannie Mae or Freddie Mac guaranteed loans could be eligible for refinancing into new loans even if they owe as much as 125 percent of the home's current value.
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More homeowners suffering mortgages larger than the value of their home can now trade in their mortgage for a more affordable home loan, under a broader Making Home Affordable refinance provision.
Borrowers current on payments with Fannie Mae or Freddie Mac guaranteed loans could be eligible for refinancing into new loans even if they owe as much as 125 percent of the home's current value.
Previously, the Home Affordable Refinance Program's loan-to-value limit was 105 percent.
It's the latest Obama Administration effort to help more homeowners refinance their mortgage at a lower rate and reduce their monthly payments. A refinance can help owners buck up and keep homes that are worth less than they owe.
Also, if the existing mortgage was written without mortgage insurance, the new loan won't be burdened with the extra cost.
Fannie Mae and Freddie Mac loans typically require mortgage insurance when the loan is more than 80 percent of the home's value.
Of course, if the current mortgage has mortgage insurance and the new loan is 80 percent or more of the home's value, mortgage insurance comes with the deal.
As usual, high-coast areas including many in California, New England, New York and most resort and second home areas won't see much relief. Until the Fannie Mae Freddie Mac conforming loan limit was raised in high-priced areas last year, high-cost area homes were too expensive to be purchased under Fannie and Freddie guidelines.
The new 125 percent limit also may not apply if a second mortgage combined with the first exceeds the limit. The new deal also doesn't allow homeowners to take cash out.
The higher loan-to-value ratios are available now to qualified borrowers who apply through their existing servicer. After Oct. 1 a homeowner can shop around and refinance through any Fannie or Freddie lender.
To check your eligibility for a refinance under the new provision, go to Making Home Affordable.
Written by Broderick Perkins
August 6, 2009
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| For further information Phone: Paul Stillwaggon (908) 561-5492 |
You can Email us at: njestates@gmail.com We are located at: 55 Stirling Road, Watchung, NJ 07069 |
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