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Tree Falls Over Property Line: Who Pays? Who Picks Up the Pieces?

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Tree Falls Over Property Line: Who Pays? Who Picks Up the Pieces?

By: Ann Cochran

Published: March 23, 2011

If a neighbor’s tree falls over your property line, file an insurance claim for repairs and cleanup. No house damage? Check if chopping and hauling debris is covered.

When a neighbor’s tree falls over your property line, yell TIMBER, then call your insurance company. Home owners policies cover tree damage caused by perils like wind and winter storms. Most policies cover hauling away tree debris if the mess is associated with house damage; some will cover cleanup even if no structures were harmed.

When a Tree Falls

Your neighbor is responsible when a tree falls over your shared property line only if you can prove he was aware that his tree was a hazard and refused to remedy the problem. Regardless, your insurance company restores your property first, and later decides whether or not to pursue reimbursement from the neighbor or his insurer if the neighbor was negligent in maintaining the tree.

Before a Tree Falls

Write a letter to your neighbor before his dead, diseased or listing tree falls through your roof or over your property line.

The letter should include:

  • Description of the problem
  • Photographs
  • Request for action
  • Attorney letterhead--not necessary but indicates you mean business.

Trim Their Trees

If the limbs of a tree hang over your property line, you may trim the branches up to the property line, but not cut down the entire tree. If a tree dies after your little pruning, the neighbor can pursue a claim against you in civil or small claims court. Depending on the laws of your state, your neighbor may have to prove the damage was deliberate or caused by negligence, but may also be able to recover up to three times the value of the tree.

Before you cut, tell your neighbors what you intend to do to protect your property. They may offer to trim the whole tree instead of risking your half-oaked job.

Your Tree Falls

It’s always a good idea to take care of your big and beautiful trees, and keep receipts for trimmings and other care.

But if your tree falls over a neighbor’s property line, do nothing until their insurance company contacts you. You may not be liable unless you knew or should have known the tree was in a dangerous condition.  If you pruned a tree or shored up trunks to prevent problems, gather your receipts to prove your diligence.

Lots of Los Angeles Real Estate Agents want to be stars as big as the celebrities they cater to. Me? I just want to help people find the homes that make them happy and help them to create a sanctuary for future dreams and lasting memories. Contact me today!

 

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Home Design Inspiration For Your Bathroom

A few candles, a dimming light, a glass of bubbly, some music and some bubbles....YEAP!

Bathroom-Home-Design-12

Start your home search out RIGHT! Access homes from a direct source! Text LKHOMES to 87778 today or go to http://87778.mobi/LKHOMES Available on iPad/Tablet/Smartphones

Source: http://homedesignboard.com/bathroom/home-design-inspiration-for-your-bathroom-12/

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Make Your Pad Reflect You

Hey men should know how to trick out their pads just as much as women do! I have a high amount of male clients who purchase homes, and they don't need Martha Stewart to make it their own!  Ready to have your OWN space men? Call me! Laura Key 310.866.8422

home designs for men
home designs for men

Whether you're a sports buff or the trendy guy in your posse, we've got ways to make your pad part of your image.

By Karin Eldor, Fashion Correspondent

Page 1: Bachelor pad furniture

If you are where you live, what does that say about the maintenance and effort you have to put into your home? Well, that all depends on what you want others to think about you. So if you're decked out in expensive threads, your effort won't mean much if your place is a disaster, or worse, not a reflection of you. 

Whether you live in a small apartment, a 1,500-square-foot condo or a three-level house, the home you call your own is your representative. And when a fine lady comes over to pay you a visit, you want to make sure she's impressed by your space. 

You don't need to be an interior designer or spend tons of cash to be proud of your pad. As long as you feel comfortable in it, you will hold your head up high... even while lounging in your favorite chair. 

who are you?

Start by asking yourself the following questions, for a self-inventory checklist: 

How would you describe yourself? (athletic; cultured; ambitious; stylish; indifferent; etc.) 

What are your hobbies? (mountain climbing; traveling; scuba diving; world history; wine tasting; golf; playing music; screenwriting; etc.)

These might seem obvious to you, but remember; making your home a reflection of you is worthless without knowing what your image is -- or at least what you want it to be. 

No passions or traits have to be exclusive; you are likely an amalgamation of characteristics and that can be reflected in your home. 

get started

The following are different broad categories that can be used as templates for decorating your pad, to bring out the "you" you're going for (based on your profile). Remember; you can be a combination of each of these categories. 

The Athletic DudeWhether you're usually glued to the TV watching the big game (and this can mean several simultaneous games) or love reciting sports scores with your buddies after scoring big in your own football game, sports are your thing. Show your appreciation by adorning your home with things like vintage sports jerseys and mementos. And of course, you can't forget a widescreen plasma TV (50 inches or more) -- made larger than life with surround sound -- so that you can watch the game in style while sitting in a super cool recliner. 

The HipsterWhen it comes to style, you've got it in spades -- at least that's what your friends tell you. You're a leader who always knows the trends before they hit the streets and your posse relies on you to dictate the latest fashion. This character trait could get pricey when it comes to your home, which is why I recommend starting with a classic, neutral base for the expensive items (i.e. couch, dining table, etc.) and decking your pad out with ultra-hip accessories like cool lamps, trendy vases, a stylin' coffee table, and cutting-edge gadgets. 

Whether you're cultured or ambitious, here are some ideas for your home...

Page 2: Home decor

Credit: Getty Images

The Cultured BlokeThe ladies are always impressed by your appreciation for the finer things in life, be it your knowledge of fine wine, your travels to Botswana and Brussels, or your penchant for investing in valuable art. Make your pad your canvas by covering the walls with your favorite paintings, and rather than a table from Pottery Barn or Ikea, search for an antique table last used by Louis IVX. Store your wine collection in a slick wine cabinet and display your African masks in the living room. 

The GourmetThere's nothing wrong with knowing your way around the kitchen; after all, you've been known to woo women with your creations. Show your female guests that you can satisfy their hunger (and more) by investing in a luxurious kitchen. If you enjoy spending time experimenting with food, make yourself more comfortable by installing a kitchen island, and treat yourself to an industrial-style stainless steel oven range. Pimp up your kitchen with a slick fridge or exhaust hoods, a rack to hang copper pots and pans over your oven or island, or, for those on a tighter budget, accessorize with appliances like a sleek toaster, blender and coffee maker. 

Credit: Getty Images

The Zen Master Show off your inner peace by placing fresh bamboo or stones in clear glass vases, or for a bigger investment, treat yourself to a Jacuzzi with jets in your favorite bathroom. Maintain a minimalist look with white walls and furniture, and an overall sleek decor. 

The WorkaholicWhile this might not be a character trait you want to flaunt, you can spin your workaholic tendencies as "ambitious." Set up a home office with a flat-screen computer, a state-of-the-art desk chair, and a slick table with a lot of organizational features to make you look like a guy who's always in control. 

maximize your space

You don't need to overhaul your home to give it that unique touch that's "you." If you've been living in your home for a while and are already settled in, sometimes a slight reorganization can do the trick, as can a paint job and some new accessories.

Source: www.AskMen.com

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First comes home, then comes marriage?

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Couples today are significantly more likely to purchase a home before marrying than older couples were, according to a survey commissioned by real estate franchisor Coldwell Banker that appears to point to a cultural shift in views toward homeownership and marriage.

Twenty-five percent of married couples between the ages of 18 and 35 bought their first home before their wedding date, compared to 14 percent of married couples who are 45 or older, according to the survey, which was administered by Harris Interactive on behalf of Coldwell Banker. 

"While life goals and expectations continue to weigh on young couples, their views of homeownership are transcending their plans of marriage and starting a family, creating a direct effect on the patterns of buying a home altogether," said Dr. Robi Ludwig, Coldwell Banker's lifestyle correspondent. "What we're seeing is that young couples are switching up the order and purchasing their first home regardless of whether or not they have set a wedding date. This is a huge movement within the American culture. While younger generations may be focusing more on their career, and in turn waiting longer to get married and have children, they are not delaying their dream of homeownership."

Other findings of the study include: 

  • Eighty percent of homeowners surveyed said buying a home strengthened their relationship more than any other purchase.
  • Thirty-five percent of married homeowners purchased their first home by their second anniversary. 
  • Ninety-three percent of homeowners who purchased their first home while married always planned on buying a home after marrying. 
  • Thirty-five percent of married homeowners wish they had bought a home earlier than they did. 

Is your big day coming up! Time to settle into a nest! Call me today! Laura Key 310.866.8422

BY INMAN NEWS, MONDAY, APRIL 22, 2013. Inman News®

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Can You Buy a Home That Isn’t for Sale?

With inventory so low in Cali you must think outside the box.  I'm willing to go there with you! Laura.A.Key@gmail.com

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It may seem like an odd question, but apparently, you can! 

The shortage of homes on the market right now is driving both real estate agents and consumers to get creative in their efforts to find their dream home. One recent survey reports a dramatic drop in the number of homes for sale in 2013 (specifically, they say that there are 14% fewer homes for sale this year than in years past). One prime example of this shortage is in Orange County, California, where there are 9000 fewer homes on the market than there were three years ago!
 
With the spring season upon us, realtors have been using their creativity to try and coax potential sellers out into the market, but even with their efforts, there is still a major lack of inventory. Although it may prove to be a challenge, it is still possible to find homes that aren’t even on the market yet. If you’re patient enough, you can be first on the list should a home go up for sale!
 
How do you do it?
 
One way is to look for homes where the current owner has defaulted on their loan. There is a period of time before the bank forecloses on the home where you can make an offer to a homeowner who may be struggling with paying their mortgage. By approaching the homeowner before the bank forecloses, you can save the homeowner from foreclosure and buy a home that hasn’t been listed yet. 
 
By doing some research, you may be able to find potential sellers that previously had their home on the market, but took it off either because of the lousy market, or for other reasons. When you find one, send a letter to the homeowner, and ask them to contact you should they decide to relist their home, or make them an offer worth consideration even if they had changed their mind about selling. 
 
(One thing to be careful of when contacting homeowners is that it is illegal to place something in another person’s mailbox. Either mail the letter through post office, or leave the letter at the front door.) 
 
You may also be surprised to discover that there are websites where people “list” their homes at their fantasy price. Although these are not official listings, you may find a home where their fantasy price isn’t that far off from your reality price! By searching for these homes, you at least can get an idea of people who could be persuaded to sell if you are willing to make their fantasy a reality. 
 
Finally, to buy a house that isn’t for sale, take a shot in the dark and contact homeowners of houses you love. Although this is a long shot, people have actually been known to sell their homes in these situations. Mail the owner a letter about why you love their home, and why you are so interested in purchasing it. Ask the homeowner to contact you and let you know if they have any intentions whatsoever, or to contact you first should they ever decide to sell. 
 
The trick to reaching out this way is to be flexible and to offer scenarios that may be mutually beneficial. For example, you may offer to rent out the home after purchase for a period of time while the homeowners search for another house. It may seem like a long shot, but it’s definitely worth a try if you really love the house!

This article is brought to you exclusively by RealtyPin.com

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Should I Get A Home Inspection If I Am Buying A HUD?

Buying a HUD Home is not as difficult as you may think! I have helped many people purchase their 1st Home from HUD! Call me today for more details about the process! Laura.A.Key@gmail.com or Visit my website to sign up for FREE HUD Listings! http://www.KeyCaliforniaHomes.com

HUD Home

HUD does not warrant the condition of its properties and will not pay for the correction of defects or repairs. Since the new owner will be responsible for making needed repairs, HUD strongly urges every potential homebuyer to get a professional inspection prior to submitting an offer to purchase.

If you are interested in acquiring a HUD Home that is in need of repair, you may be interested in applying for an FHA 203(k) Rehabilitation Loan. When a homebuyer wants to purchase a house in need of repair or modernization, the homebuyer usually has to obtain financing first to purchase the dwelling; additional financing to do the rehabilitation construction; and a permanent mortgage when the work is completed to pay off the interim loans with a permanent mortgage. Often the interim financing (the acquisition and construction loans) involves relatively high interest rates and short amortization periods. The Section 203(k) program was designed to address this situation. The borrower can get just one mortgage loan, at a long-term fixed (or adjustable) rate, to finance both the acquisition and the rehabilitation of the property.

Will HUD make the repairs?

HUD homes are sold as-is. The new owner is responsible for all repairs and improvements.

Can I start improving on the property right away?

If HUD accepts your offer, you cannot make any repairs or home improvements until the escrow transaction has closed and title is recorded in your name.

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Is There Anyway To Have My HUD Offer Considered Before Others?

Buying a HUD Home is not as difficult as you may think! I have helped many people purchase their 1st Home from HUD! Call me today for more details about the process! Laura.A.Key@gmail.com or Visit my website to sign up for FREE HUD Listings! http://www.KeyCaliforniaHomes.comHUD Home

Owner occupants always have first priority; however, if there are not any bids after the 30th day then bidding is open to all bidders (investors). All offers are due by the bidding date and the HUD system generally picks the highest and best offer.

Los Angeles HUD homes, Buying A Hud Home, North Hollywood HUD homes, Westchester HUD Homes, Gardena HUD Homes, Northridge HUD Homes, Santa Clarita HUD Homes, Simi Valley HUD homes, Lemert HUD Homes, Compton HUD Homes, Lynwood HUD Homes, Hawthorne HUD Homes, Inglewood HUD Homes, Baldwin Hills HUD Homes, Playa del rey HUD homes, Marina del Rey HUD Homes, Santa Monica HUD homes, Lakewood HUD homes, Buying A HUD Home, Buying a Los Angeles HUD Home, HUD Trained Agent, HUD NAID agent

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Does Moving Up Make Sense?

Don't get caught up in the madness of the market.  Deciding to sell is a personal decision, take everything into account.  I am here to assist! Laura Key 310.866.8422

Digital Image by Sean LockeDigital Planet Designwww.digitalplanetdesign.com

These questions will help you decide whether you’re ready for a home that’s larger or in a more desirable location. If you answer yes to most of the questions, it’s a sign that you may be ready to move.

  1. Have you built substantial equity in your current home? Look at your annual mortgage statement or call your lender to find out. Usually, you don’t build up much equity in the first few years of your mortgage, as monthly payments are mostly interest, but if you’ve owned your home for five or more years, you may have significant, unrealized gains.
  2. Has your income or financial situation improved? If you’re making more money, you may be able to afford higher mortgage payments and cover the costs of moving.
  3. Have you outgrown your neighborhood? The neighborhood you pick for your first home might not be the same neighborhood you want to settle down in for good. For example, you may have realized that you’d like to be closer to your job or live in a better school district.
  4. Are there reasons why you can’t remodel or add on? Sometimes you can create a bigger home by adding a new room or building up. But if your property isn’t large enough, your municipality doesn’t allow it, or you’re simply not interested in remodeling, then moving to a bigger home may be your best option.
  5. Are you comfortable moving in the current housing market? If your market is hot, your home may sell quickly and for top dollar, but the home you buy also will be more expensive. If your market is slow, finding a buyer may take longer, but you’ll have more selection and better pricing as you seek your new home.
  6. Are interest rates attractive? A low rate not only helps you buy a larger home, but also makes it easier to find a buyer.
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Can I View A HUD Home Before Bidding?

Buying a HUD Home is not as difficult as you may think! I have helped many people purchase their 1st Home from HUD! Call me today for more details about the process! Laura.A.Key@gmail.com or Visit my website to sign up for FREE HUD Listings! www.KeyCaliforniaHomes.com

HUD Home

Can I view a HUD home before bidding?

Sure you can! You must use a HUD registered agent! Properties can be viewed anytime during the bidding process.  Just be ready with your loan pre-approval in hand in case you find your dream home.  You would hate to miss out because you were not fully prepared!

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In A Hot Market...Bid First...See House Later

The market is so hot right now it seems the only way to even have a chance at purchasing a home is to put your offer in a contingency to view and inspect the property.  What are your thoughts on this process?  Is this creating another false bubble? Laura.A.Key@gmail.com

Couple-looking-at-house-outline

As soon as it hit the market, the four-bedroom Sea Cliff home inspired a bidding war, with the top two prospective buyers both offering well above the multimillion-dollar listing price, in cash.

In today's fevered real estate market, that's no longer unusual.

But there was a twist: Both bidders were located in China, and both made their big-bucks offers without ever setting foot in the house. One of them ended up buying the house for $3.1 million, substantially above its $2.8 million list price.

"At first, I was really, really surprised and kind of suspicious," said Nina Hatvany of Pacific Union, the listing agent. "I was concerned that they hadn't seen the property. After all, they might not like it when they saw it."

But since both offers looked serious and included proof of funds, "I said to the sellers, 'This seems like a new buyer profile. You might as well take it.' "

Buying homes sight unseen is a small but growing trend in the Bay Area, fueled by the over-competitive market and burgeoning interest by international buyers - and enabled by technological advances.

Buyers might make offers without seeing a house for several reasons: They live elsewhere or are away for business or personal reasons; they had scheduling conflicts and couldn't visit before bids were due; they're investors accustomed to buying just based on property characteristics; or they're taking a scattershot approach of making lots of offers and seeing which get accepted.

Not completely blind

Today's array of tech tools means they're never truly buying in the dark, however. Besides extensive photos and video tours of homes for sale, plenty of websites offer the chance to learn about neighborhoods and schools, and research comparable sales.

Often, those who bid sight unseen have a chance to tour the house during escrow and can still back out. But sometimes, as in the Sea Cliff case, they're willing to pay huge amounts based on photos, videos and their agent's recommendation. (The winning Sea Cliff bidder also had a family member visit.)

Professional investor Paul Livson of Danville has been buying and selling properties for 30 years, both for rental income and to resell. Bidding before visiting is a tactic he and others increasingly adopt, he said.

"Lots of people are doing it now because they know they need to get their offer in quickly," he said. "The market conditions are such that if you wait to see it, if it's any kind of decent deal, there are already five to 10 offers on their way, and yours will be at the back of the pack. I need to be at the front of the pack."

And while he bids blind, he never buys blind.

"The risk is limited because you have an inspection period, so there's always an opportunity to see it and walk away" if it's not up to snuff, he said.

Still, there can be surprises. He's now buying a Pleasanton condo for $279,000. When he first saw the unit - after his offer was accepted - some issues surfaced: cigarette odors, marred floors, outdated bathrooms. Since it's a short sale, in which a bank has final say, it will be difficult to negotiate the price down based on the unit needing work, he said.

But he won't walk away. "With market conditions the way they are, it's still a good value for me," he said.

Riskier deals

Some sales, such as courthouse auctions that are the final stage in the foreclosure process, don't offer a chance to see properties in advance, nor is there an inspection period. While many investors bid at those auctions, "that's much more risky to me," Livson said. "I don't like to buy without having at least a day or two to inspect it. You could have a property that looks great on the outside but has $50,000 worth of termite damage.

His agent,said she's increasingly representing investors who want to bid sight unseen for efficiency, and she has created a "buyer concierge" program in response. "We hunt the properties for them," she said.

Some agents worry that such bidders muddy the waters.

"I am concerned about buyers feeling that this is a viable option in competition," said Bebe McRae of the Grubb Co., who has sold some properties to people who bid blind. "I heard seven offers yesterday on (a property) and the deciding factor for the sellers in choosing the winner was all about the confidence they felt in the buyers being able and willing to close successfully. The buyers went to the property on several occasions and also did their inspections prior to writing the offers."

People who have made the leap of faith to bid blind - especially those planning to live in the home - said having a knowledgeable real estate agent is a big plus.

Fernando Filippelli was overseas for business reasons when a Berkeley home came on the market, in a neighborhood he knew he liked.

"I had four different friends visit the property for me. One of them is an architect," he said in an e-mail. "This, plus the fact that (my agent) provided me all types of info, made me feel comfortable to put a bid on the house."

Inspection by FaceTime

Friends and relatives thought Adam Chang and Gwen Liu were crazy when the first-time home buyers made an offer on a Kensington house while they were in Taiwan, visiting sick relatives. Chang had never seen the house in person, although Liu had.

"We did the home inspection over FaceTime, Apple's video-chatting service," Chang said. "Our agent, Mark Biggins (of Redfin), had an iPhone, I had an iPad. I could see how high the ceilings really were. If they said a floor was sloping slightly, I could get a sense that it wasn't that bad. They took me down into the crawlspace. For being halfway around the world, it was great to be able to be virtually present."

The couple returned to the United States a few days before they needed to lift the inspection contingences.

"I was able to make sure everything was copacetic; it was better than I expected," he said. "It was all about taking that leap of faith."

Source: Carolyn Said is a San Francisco Chronicle staff writer.

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Market Chips Away at Foreclosure Inventory

Come and stake your claim in sunny California! Laura Key 310.866.8422

beautiful-homes-pictures3

The number of nationwide completed foreclosures fell 19 percent year-over-year, according to the latest report by CoreLogic, reflecting February data. There were 54,000 completed foreclosures in the country in February, the lowest level since September 2007. 

Still, foreclosures are elevated by historical standards. In a more balanced market, completed foreclosures tend to average about 21,000 per month — less than half where they are at today. 

As of February, about 1.2 million homes were in some state of foreclosure. The nation’s foreclosure inventory has fallen 21 percent in the past year, according to CoreLogic. February marked the 16th consecutive month in which the foreclosure inventory has fallen. 

“We continue to see a declining trend in foreclosure activity, with major markets leading the way,” says Anand Nallathambi, president and CEO of CoreLogic. “The drop in delinquencies and foreclosure starts will help support a resurgence in the home-purchase market this year and next.” 

The five states with the highest number of foreclosures for the past year, according to CoreLogic’s February data, were: 

  • Florida
  • California
  • Michigan
  • Texas
  • Georgia

These states accounted for nearly half of all completed foreclosures nationwide over the past year.

On the other hand, the states with the lowest number of completed foreclosures were: 

  • District of Columbia
  • Hawaii
  • North Dakota
  • Maine
  • West Virginia

Source: “CoreLogic Reports 54,000 Completed Foreclosures in February,” RISMedia (April 1, 2013) and CoreLogic 

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Americans Showing More Desire to Buy

Buy land...they are not making it anymore! Words ring true! Laura Key 310.866.8422

key dream

The percentage of U.S. residents who say owning a home is an essential part of the American dream has hit a three-year high, reaching 79 percent, according to the CNBC-All-America Economic Survey. What’s more, the number of Americans who say it is better to own than rent grew by four points to 69 percent, according to the survey. 

More Americans also believe owning a home is a better long-term investment than stocks. 

“The housing numbers are all heading in the right direction,” reports Diana Olick for CNBC. “Home prices up, foreclosures down and, perhaps the most important, consumer confidence in housing is swelling.” 

Still, first-time home buyers will be the “wild card” in the spring-summer home buying season, says Thomas Popik, research director for Campbell Surveys. “We see strong first-time homebuyer traffic, but it’s still not clear that the traffic will translate into increased purchases because first-time home buyers are dependent on low downpayment financing, such as FHA mortgages.” 

Source: “People Are Becoming More and More Confident in Housing Market,” CNBC (April 1, 2013)

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8 Dirty Secrets in Your Home

Steel yourself: We help you expose — and purge — your home’s dirtiest little secrets.

secrets

Deep breath ...

1. Cruddy undersides of rugs 2. Disgusting disposal 3. Greasy kitchen vent hood 4. Crumby kitchen crevices 5. Grimy fans and ceilings 6. Grungy toilets 7. Debris-filled crawlspace 8. Linty dryer vents

1. Cruddy undersides of rugs

Look under your area rugs for a nasty surprise -- a sea of grit and dust -- despite regular vacuuming. What to do:

  • Move furniture, fold over the rug, and vacuum dirt and dust from its underside. Sweep and mop the floor, too.
  • While you’re under the hood, check the rug’s condition. If there’s no staining or discoloration, a good floor cleaning and vacuuming of the rug’s underside is enough.
  • If pets, kids, or wine have left their mark, invest in a professional cleaning. A pro will run between $1.50 and $3 per square foot of rug, depending on the type of rug. Delicate natural fibers are usually more costly to clean than synthetics.

2. Disgusting disposal

Your kitchen has more germs than even your bathroom. And your garbage disposal and its splash guard flaps just might be the most disgusting place in the house — slimy, smelly, and befouled with old food. What to do:

  • Scrub the underside of the rubber flaps with an old toothbrush and warm, soapy water.
  • Pour a 1:1 ratio of white distilled white vinegar and baking soda down the drain. Let it sit overnight and flush with boiling water to sanitize.
  • Toss frozen cubes of white vinegar (just freeze it in an ice tray) down the disposal while it’s running. This will sharpen and sanitize the disposal’s grinding blades.
  • Freshen up the drain with slices of lemon or other citrus fruit. Peels are OK, but if you have fruit to spare, the citrus acids will help disinfect and freshen.

3. Greasy kitchen vent hood

Your range vent hood works hard to absorb smoke, steam, and grease. Just like you change air filters to extend the life of your HVAC, you should clean the vent filter. Not only will this make the vent more efficient, it’s a safety measure. Should you have a grease fire, a greasy hood and filter can spread the fire into your home’s duct work. What to do:

  • Remove the hood filter according to directions for your vent hood model. If you don’t have the paper manual anymore, search online for a copy.
  • Soak the filter in a kitchen-grade degreaser.
  • Once most of the grease has dissolved, rinse the filter with soapy water.
  • While you’re soaking the filter, clean the greasy interior of your vent hood.
  • Use a kitchen-grade degreaser for the hood like the one you’re soaking the filter in.
  • Wipe the hood's interior with a sponge or rag.

4. Crumby kitchen crevices

No matter how spotless your kitchen surfaces are, crumbs, morsels, and drips of stuff have fallen into the crannies between appliances and countertops, tempting bugs and vermin.What to do:

  • For appliances with a bit of ground clearance, like a refrigerator, use the vacuum crevice attachment to suck out the yuck.
  • For appliances with less room to maneuver, attach microfiber cloths to a yardstick with rubber bands. Slide and grab under and between appliances.
  • Sneak an old-school feather duster between counter cracks or under appliances. Get one with an extra-long handle ($15-$25) or use a flexible duster specifically designed to slide under appliances.

5. Grimy fans and ceilings

Dispatching the out-of-sight, out-of-mind dust (sloughed-off skin cells, dust mites, and outdoor allergans) that lives on ceiling fans and light fixtures means better indoor air quality and fewer allergy problems. What to do:

  • Dampen the inside of a pillowcase and slide it over each ceiling fan blade. As you slide it off, run your hands along the sides of the blade to wipe up dirt and dust so the dreck doesn’t rain down on you. Get a spotter if you’re balancing on a ladder or chair.
  • For less-dusty ceiling fans, use a microfiber duster that'll grab the blades. ($7-$20)
  • For oily or grimy buildup on ceilings, especially in the kitchen or bathroom, run a flat mop tool with a microfiber or soap-cloth attachment along the ceiling. Dish soap will do nicely.
  • Remove light shades or covers from ceiling fixtures to wipe out dust and bugs. But turn the light off first.

6. Grungy toilets

You’re not getting down-and-dirty with your toilet until you scrub where the commode meets the bathroom floor. What to do:

  • Check that the caulk at the base of the toilet is sealing the area. If it's worn, remove the remaining caulk with a utility knife. Then re-seal it. For extra germ-fighting, choose a caulk with Microban.
  • Slide a feather duster behind the tank to brush off any dirt or dust, and use a sponge or damp microfiber cloth to scrub all the way around the porcelain base.

7. Debris-filled crawlspace

No one wants to crawl around under the house — except bugs and rodents. If you suspect critters are playing house, skip the DIY and consult a pro. Otherwise, it’s a good idea to check your crawlspace annually to check for water penetration and clean out debris. What to do:

  • Wear personal protective equipment, such as coveralls, a dust-mask, goggles, and gloves.
  • If you see mold, don’t disturb it. Call a professional mold remediation company.
  • If you don’t see mold, check your vapor barrier for holes, deterioration, or uncovered areas. If you’re handy and comfortable with working in cramped crawlspace conditions, you can fix it yourself with supplies from your local hardware or home store. Otherwise, call a handyman. If the problem seems more extensive (major holes or large uncovered areas), call a foundation specialist.
  • Make sure there’s no standing water on top of the vapor barrier. That could mean water is coming from leaking pipes or gutters. It’s a recipe for mold and rot. Call a pro who specializes in foundation or crawlspace work pronto.
  • Push out trash through the nearest vent or access door. When you go outside to collect the debris, secure vents and doors so nothing else will blow, crawl, or slither in.

8. Linty dryer vents

This is one of the most important dirty jobs, because cleaning your clothes dryer’s lint trap and vents will extend its life, improve its efficiency, and save your life. Clothes dryers cause more than 15,000 structural fires, injuring 400 and killing 15 people on average each year. "Failure to clean" is the leading contributing factor to these fires.

What to do:

  • Use a dryer vent cleaner (about $15), a long, flexible, thick metal cord that snakes through the dryer vent’s dark corridors, to sweep out lint and dust.
  • Use your vacuum’s crevice tool to suck out hangers on in the lint trap.
  • Vacuum underneath and around the back of the dryer to clear out any remaining lint colonies.

The real estate market has changed? What does this mean to you as a buyer or seller? Call me today with your questions! Laura Key 310.866.8422

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How to Assess the Real Cost of a Fixer-Upper House

When you buy a fixer-upper house, you can save a ton of money, or get yourself in a financial fix. People see shows on television and think it's easy to purchase a home that needs fixing. Know what you are getting into before you put the money down on the table! Call me with your questions Laura Key 310.866.8422

1. Decide what you can do yourself

TV remodeling shows make home improvement work look like a snap. In the real world, attempting a difficult remodeling job that you don’t know how to do will take longer than you think and can lead to less-than-professional results that won’t increase the value of your fixer-upper house. 

  • Do you really have the skills to do it? Some tasks, like stripping wallpaper and painting, are relatively easy. Others, like electrical work, can be dangerous when done by amateurs.
  • Do you really have the time and desire to do it? Can you take time off work to renovate your fixer-upper house? If not, will you be stressed out by living in a work zone for months while you complete projects on the weekends?

2. Price the cost of repairs and remodeling before you make an offer

  • Get your contractor into the house to do a walk-through, so he can give you a written cost estimate on the tasks he’s going to do.
  • If you’re doing the work yourself, price the supplies.
  • Either way, tack on 10% to 20% to cover unforeseen problems that often arise with a fixer-upper house.

3. Check permit costs

  • Ask local officials if the work you’re going to do requires a permit and how much that permit costs. Doing work without a permit may save money, but it'll cause problems when you resell your home.
  • Decide if you want to get the permits yourself or have the contractor arrange for them. Getting permits can be time-consuming and frustrating. Inspectors may force you to do additional work, or change the way you want to do a project, before they give you the permit.
  • Factor the time and aggravation of permits into your plans.

4. Doublecheck pricing on structural work

If your fixer-upper home needs major structural work, hire a structural engineer for $500 to $700 to inspect the home before you put in an offer so you can be confident you’ve uncovered and conservatively budgeted for the full extent of the problems. 

Get written estimates for repairs before you commit to buying a home with structural issues.

Don't purchase a home that needs major structural work unless:

  • You’re getting it at a steep discount
  • You’re sure you’ve uncovered the extent of the problem
  • You know the problem can be fixed
  • You have a binding written estimate for the repairs

5. Check the cost of financing

Be sure you have enough money for a downpayment, closing costs, and repairs without draining your savings. 

If you’re planning to fund the repairs with a home equity or home improvement loan:

  • Get yourself pre-approved for both loans before you make an offer.
  • Make the deal contingent on getting both the purchase money loan and the renovation money loan, so you’re not forced to close the sale when you have no loan to fix the house.
  • Consider the Federal Housing Administration’s Section 203(k) program, which is designed to help home owners who are purchasing or refinancing a home that needs rehabilitation. The program wraps the purchase/refinance and rehabilitation costs into a single mortgage. To qualify for the loan, the total value of the property must fall within the FHA mortgage limit for your area, as with other FHA loans. A streamlined 203(k) program provides an additional amount for rehabilitation, up to $35,000, on top of an existing mortgage. It’s a simpler process than obtaining the standard 203(k).

6. Calculate your fair purchase offer

Take the fair market value of the property (what it would be worth if it were in good condition and remodeled to current tastes) and subtract the upgrade and repair costs.

For example: Your target fixer-upper house has a 1960s kitchen, metallic wallpaper, shag carpet, and high levels of radon in the basement.

Your comparison house, in the same subdivision, sold last month for $200,000. That house had a newer kitchen, no wallpaper, was recently recarpeted, and has a radon mitigation system in its basement.

The cost to remodel the kitchen, remove the wallpaper, carpet the house, and put in a radon mitigation system is $40,000. Your bid for the house should be $160,000.

Ask your real estate agent if it’s a good idea to share your cost estimates with the sellers, to prove your offer is fair. 

7. Include inspection contingencies in your offer

Don’t rely on your friends or your contractor to eyeball your fixer-upper house. Hire pros to do common inspections like:

  • Home inspection. This is key in a fixer-upper assessment. The home inspector will uncover hidden issues in need of replacement or repair. You may know you want to replace those 1970s kitchen cabinets, but the home inspector has a meter that will detect the water leak behind them.
  • Radon, mold, lead-based paint
  • Septic and well
  • Pest

Most home inspection contingencies let you go back to the sellers and ask them to do the repairs, or give you cash at closing to pay for the repairs. The seller can also opt to simply back out of the deal, as can you, if the inspection turns up something you don’t want to deal with.

If that happens, this isn’t the right fixer-upper house for you. Go back to the top of this list and start again.

fixer upper

Source: www.houselogic.com - G.M. Filisko is an attorney and award-winning writer whose parents bought and renovated a fixer-upper when she was a teen. A regular contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.

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4 Reasons Your Listing Might Not Be Selling

Real Estate could be one of your major investments! Make sure you get the most value on return.  Interested in seeing how much your home is worth? Call me for a FREE Comparative Market Analysis. Laura Key 310.866-8422

MoneyHouse

Do you have a home lingering on the market? MSN Real Estate recently polled real estate professionals to find some of the most common reasons why some properties won’t sell, besides trying to overcome a poor location.

Here are four common reasons listings don’t sell in a timely manner, according to the MSN survey:

  1. Unreasonable price: “It’s always price for condition or price for location,” says Kathy Opperman, a broker-owner with Century 21 Alliance in Philadelphia. “That’s one of the main reasons [homes] sit.” Some sellers are just unrealistic about what their house can truly fetch, or they may be underwater and just unable to lower their price tag. “In my market, the only reason a property would stay on the market for longer than three months would be that the price is too high,” Ron Redfern, a real estate professional from Greeley, Colo., told MSN Real Estate. “Price will overcome any objection.” 
  2. Bad decor: Loud patterns, bold colors, and dated decor styles can distract home buyers. For example, agents say that mirrored walls, cheap wood paneling, and 1970s kitchens can be turn-offs. To try to appeal to the widest buying pool, agents advise clients to stay neutral with their design, give buyers a “minimalist canvas” for them to project their own tastes on. 
  3. Awkward floor plan or missing necessities: Strange or dated floorplans may also make a home linger, such as older homes where you have to walk through a bedroom to get to a second bedroom, MSN Real Estate notes. One home in Catskill, N.Y., has lingered on the market for more than four years because it’s missing a driveway. 
  4. Awful photos: If your listing has yet to sell, you may want to revisit the photos you're using to present it on the MLS. For example, one Chicago listing showed dirty clothes and clutter in the photo, which may prompt buyers to question the hygiene of the rest of the home, as well as assume it has a lack of storage. Be choosy about the photos you upload to the MLS, and remember that less can be more, Opperman says. Have photos showcase the best rooms and features of the home. "If a buyer isn't excited about a home after seeing it online, they won't want to see it in person," Opperman says.

Source: “Listing Losers: 8 Reasons Your Home Isn’t Selling and What to do About It,” MSN Real Estate (March 13, 2013)

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Adding Instant Value to Your Home

Want to add value to your home immediately? This simple solution will help!  Ready to sell? Contact me to obtain a FREE value report on your home! Laura.A.Key@gmail.com

Do you know what the best way to add value you to your home is? The answer might surprise you because it’s also the cheapest – cleaning/decluttering. It’s true. For the cost of a bottle of household cleaner and some elbow grease you can give the value of your home an immediate boost. In fact, clean, clutter free homes are more likely to get or even exceed their asking price.   It’s amazing how shiny windows, and dust free doors, windows, and baseboards can impress potential buyers , sure cleaning and getting rid of the clutter might not be a lot of fun, but sending the extra money you get for your house will be! 

clean house

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Unique Homes of the Word - Mexico City

The Nautilus

Unique Homes

Background: This seashell-shaped home was completed in 2006. The stone steps running along the shrubs lead to the front door, which blends into the mosaic façade.

Why It’s Unique: Architect Javier Sensonian practices what he calls “bio-architecture," a style that has led him to design buildings shaped like snakes, whales and several other creatures. The Nautilus was created to imitate a crustacean’s shell, and its cavernous interior is filled with vegetation and small trees. “It’s not common that you would see a home of this design ascetic," Koliopoulos says. “However, it’s very enlightening and something that we can all learn from.

A house is not a HOME until you make it yours!  Ready to create your masterpiece today? Call Laura Key at 310.866.8422 for a free homebuying consultation!

"Read more: Source: Popular Mechanics

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Real Estate, Realty Goddess Laura Key Real Estate, Realty Goddess Laura Key

10 Ideas For a Quicker and Easier Sale When Selling Your House

  1. NO CLUTTER. Throw out old newspapers and magazines. Pack away most of your small items like figurines and other trinkets. Store clothing that won’t be used in the near future to make closets seem roomier. Clean out the garage. Buyers like to visualize their possessions in the house and that is hard to do when the home is full of clutter.
  2. Wash your windows and screens. This lets more light into the interior and dirty windows are a turn off.
  3. Keep everything extra clean. Wash fingerprints and dirt from light switch plates. Clean the floors, stove, refrigerator, washer and dryer. A clean house makes a better first impression and tells buyers that the home has been well cared for.
  4. Put brighter bulbs in light sockets to make rooms appear brighter, especially dark rooms. Replace any burnt-out bulbs. Turn all lights on before buyers come to view the home.
  5. Make all minor repairs that you can find. Everything you don’t repair now will be revealed in the home inspection and can create a bad impression. Small problems such as sticky doors, torn screens, cracked caulking, cracked receptacle covers or a dripping faucet may seem trivial, but they'll give buyers the impression that the house isn't well maintained.
  6. Shoot for good curb appeal. Cut the grass, rake any leaves, trim the bushes, and edge the walks. Put a couple of bright potted flowers near the entryway to cheer things up and get the buyers attention.
  7. Patch holes in your driveway and reapply sealant, if applicable.
  8. Clean dirty gutters.
  9. Polish or replace your front doorknob and door numbers.
  10. Get rid of smells. Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. If carpets are old and need replacing, it is worth while to replace them. The additional price you receive for your house will most likely outweigh the expense. Open the windows. The number one turn off to a potential buyer is an unpleasant odor.

For more helpful information including seller and buyer tips, contact Laura Key today at 310.866.8422!

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Life Changes, Realty Goddess Laura Key Life Changes, Realty Goddess Laura Key

Waste Not...Want Not

Americans have a global reputation for eating vast quantities of food. As a result, there are more overweight people in the U.S. than anywhere in the world. Now it looks like U.S. consumers can add an equally embarrassing reputation for throwing out more food than anyone else.  According to a study produced by the Natural Resources Defense Council, a non-profit, international environmental advocacy group, as much as forty percent of food in the United States is never eaten. 

That amounts to $165 billion a year in waste, or 20 pounds of food annually for every man, woman and child in the US. Think of it as dumping 80 quarter-pound hamburger patties in the garbage each month. 

Americans waste 10 times more food than Asian countries and American waste is up 50% since the 1970s. 

Most of the waste occurs in the home. American families throw out approximately 25% of all the food and beverages they buy. Food is so cheap and plentiful in the United States that Americans just don't value it properly. Impulse buys, sales, and incentives to buy in bulk are some of the reasons why Americans buy more food than they can eat. 

Part of the problem comes from spontaneous decisions to eat out when there's still food in the fridge. And when Americans do cook at home, they make far more than they can consume. The average size of the U.S. dinner plate is 36% bigger now than it was in 1960. 

Portion sizes account for significant food loss in restaurants, too. Seventeen percent of the food served in restaurants is not eaten. Portion sizes can be up to eight times larger than USDA or FDA standard serving sizes. Particularly wasteful are restaurants that serve buffets, because health code restrictions restrict buffet food from being reused or donated. 

Among the biggest wasters of food are food retailers. They overstock displays of fresh produce to give an impression of bounty, leaving items at the bottom bruised and not fit to sell. They make too much ready-to-eat food so as much as 50% gets thrown out. And they throw out food in damaged or outdated promotional package that is still edible.

There is also a problem on farms. Approximately 7% of planted fields in the United States are not harvested each year. Growers either can't get a good enough price for their crop to make harvest profitable, or they over-planted and have more crop than there is demand for. Citrus, fruit, and grape packers estimate that as much as 20% to 50% of the food they produce never gets marketed. 

Although the economic figures are staggering, the unnecessary high toll on natural resources and environmental implications are more worrisome. Food production accounts for 80% of the country's fresh water consumption. A single hamburger takes 660 gallons of water to produce. Wasted food means that 25% of that fresh water is being wasted. 

Food waste also contributes to global warming. Experts say that food rotting in landfills accounts for 25% of U.S. methane emissions. Methane is a greenhouse gas that remains in the atmosphere as long as 15 years and is 20 times more effective at trapping heat than carbon dioxide. 

Food labels are culprits, too. Consumers often confuse "sell-by" dates with "use-by" dates. On average, grocery stores throw out nearly $2,500 worth of food each day because the products have neared their sell-by expiration date. Yet most of this food is still perfectly edible. 

In many states, it's legal to sell food past its expiration date but many stores do not because they think it looks bad. Most stores, in fact, pull items 2 to 3 days before the sell-by date 

An unfortunate truth of all this is that the more food consumers waste, the more those in the food industry are able to sell. This is true throughout the supply chain where waste downstream translates to higher sales for anyone upstream. That needs to change. 

In a generation, some nine billion people will be living in a world where the increasing scarcity of natural resources and environmental dynamics more and more affect individuals and society. A prodigious waste of food is simply not a sensible option in a desirable future. 

The fact of the matter is that the world now produces enough food to feed everyone in the world, yet one in every six people goes hungry. If Americans could reduce food waste by just 15%, it could feed more than 25 million of the 50 million Americans who go hungry each year.

Source: Good Neighbor Newsletter - Feb 2013

Laura Key, Real Estate Agent - 310.866.8422 - Laura.A.Key@gmail.com

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