Real Estate and *stuff *

Real Estate and *stuff *

A real person helping real people with real estate

You can scroll the shelf using and keys

Home owners win two important tax benefits in the fiscal cliff deal

January 5, 2013

To-Do List - Win - Dry Erase BoardThe fiscal cliff deal Congress passed this week lets home owners keep the tax deduction for private mortgage insurance payments. It also says troubled home owners won’t owe income tax on amounts forgiven during a mortgage workout or foreclosure.

PMI is what you pay your lender each month if you put down less than 20% on a home, which protects the lender if you default on the home loan.

Without mortgage cancellation relief, home owners who have a portion of their mortgage forgiven as part of a workout plan, short sale, or foreclosure would have to pay income tax on the forgiven amount.  This will keep the market moving forward!

In addition, the American Taxpayer Relief Act of 2012 lets home owners continue to keep up to $500,000 ($250,000 for individuals) in home sale profits tax-free. Only home sellers whose income is $450,000 or above (or singles earning $400,000 or more) and who net more $500,000 on the sale of their home would pay taxes on the excess capital gains. For the vast majority of home sellers, there’s no change.

For those earning above the $400,000-$450,000 threshold, the cap gains rate would rise to 20% from 15%.
Congress extended the tax deductions for all mortgage insurance premiums and for state and local property taxes, which, along with the mortgage interest deduction, are important tax considerations for home owners and buyers.

 

be HAPPIER in your HOME

January 2, 2013

Happy at HomeFound this list on apartmenttherapy.com and was inspired! Hopefully it will inspire you t00!

1. Make your bed.

The book The Happiness Project, explains that this three minute task is one of the simplest habits you can adopt to positively impact your happiness.

2. Bring every room back to “ready.”

I learned this trick from Marilyn Paul’s clever book, It’s Hard to Make a Difference When You Can’t Find Your Keys. It’s a known fact: Clutter causes stress; order creates a haven from it. This mood-boosting routine is simple: Take about three minutes to bring each room back to “ready” before you depart it. (Unless you have a toddler, or a partner who likes to simulate earthquakes, three minutes should be sufficient.)

3. Display sentimental items around your home.

One reason that experiences (and memories of those experiences) make us happier than material things is due to the entire cycle of enjoyment that experiences provide: planning the experience, looking forward to the experience, enjoying the experience, and then remembering the experience. Make your home a gallery of positive memories.

4. Start a one-line-a-day gratitude journal.

Before bed, simply jot down one happy memory from that day. (If you have kids, you can ask them, “What was the best part of today?”) Reflection is an important part of happiness, and pausing to reflect on a positive event from each day cultivates gratitude. (An added bonus: Later, when your memory is defunct, you will already have all of your meaningful adventures recorded!) If you have trouble getting started with journaling, consider buying a book to guide you. Simple Abundance, by Sarah Ban Breathnach, is a great one.

5. If you can’t get out of it, get into it.

This tip comes from The Happiness Project. I love the message: The dishes are not going to clean themselves, so you will do it, and you will like it! (Unless, of course, you can outsource this job, in which case I say: Nice work!) Otherwise, get into doing the dishes. Feel the soothing warm water on your hands. Enjoy the tickle of the tiny bubbles. Crank your favorite album at an unusually loud volume, do a couple fist-pumps while shouting “Can I get a hell yeah for the dishes? Hell! Yeah!” and pretend you love it.

6. Before you get up each morning, set an intent for the day.

In The Art of Happiness, the Dali Lama says “”Every day, think as you wake up: today I am fortunate to be alive, I have a precious human life, I am not going to waste it.” Wow. What a wise man. I tend to wake up with a strong visceral reaction that says, “Attention human beings: Be afraid of me before coffee. Be very afraid!” Setting a daily intent makes a huge difference. Your daily intent could be something like “be productive” or “enjoy today’s delicious moments” or it could be something more specific like “say thank you to my loved ones today.” But it should not be another “to do” item on your list.

7. Do small favors for your housemates, expecting nothing in return (not even a thank you!).

(That’s right, I said it: nothing!) Mow the lawn for your husband, but don’t expect him to pat you on the back. Make the bed for your wife, but don’t try to get bonus points for it. Take the trash out for your roommate, just because. The ability to cultivate strong, healthy relationships is one of the biggest contributors to health and happiness, but when you start to keep score, the benefit is lost. (No! It’s YOUR turn to clean up the dog poop!) It’s a well-known fact: When you do good, you feel good.

8. Call at least one friend or family member a day.

You can do this while you clean, while you make the bed, or while you walk the dog. Texts and emails do not count! Make an actual phone call to a loved one, just to chat and catch up. We humans are social beings and studies show that even when we don’t feel like it, even if we are naturally introverted, socializing with our loved ones makes us feel better.

9. Spend money on things that cultivate experiences at home.

Save money for a new grill for parties or a new DVD for family movie night — something that will encourage you to have people over and entertain. Plan a summer barbeque, invite your closest friends, kick back and relax. (And don’t forget to print out the pictures to remember the good times.)

10. Spend a few minutes each day connecting with something greater than yourself.

Whatever your spiritual beliefs — or non-beliefs — may be, studies show that connecting to a high power is correlated with happiness. Just stepping back to realize that we are part of an enormous universe can put some perspective on your annoyance with the those-are-definitely-not-mine-and-they-are-abso-fricking-lutely-repulsive socks under the coffee table. Before bed, spend just a few minutes contemplating something larger than yourself. Take a walk in nature. Write in a journal. Create a sacred space in your home. (Or if spirituality is really not your thing, create a home spa: light some candles, soak in a hot bath, delve into a good book… are you feeling better yet?)

7 Ways to Repurpose Old Electronics

December 27, 2012

Here are 7 crafty and innovative projects that keep unloved and outdated electronics from cluttering up our landfills.  A little crafty thinking can give obsolete electronics and appliances a new lease on life instead of death in a landfill.  If you’re a resourceful DIYer or an eco-minded shopper, check out these ingenious ideas that transform outdated objects into fresh new items.


A second life for appliances

1. Did you know the European Union has made it against the law to put working (or easily repaired) appliances and electronics in the trash? Instead they’re cleaned up, repaired, and sold as affordable second-hand goods.

But they haven’t given up on gadgets and appliances that appear beyond repair, either.

To learn more, check out this video that details how old electronics are resold in the U.K., plus a proposal from product designer Gaspard Tiné-Berès on how to repurpose badly broken e-waste.

Short-Circuit from gaspard tiné-berès on Vimeo.

If the video left you feeling inspired, check out these two DIY ideas that give new life to stuff you might have.

2. You can turn a broken coffee pot into a funky fishbowl.

Coffee maker fishbowl

 

Credit: Mosby Building Arts

3. Or if you’re stuck with an old blender, consider turning it into a tabletop lamp.

Blender

Credit: John Ownby

 

Pet projects

If you’re looking for a few creature comforts, check out these two designs.

4. The Mac cat bed by AtomicAttic upcycles original iMacs into cozy kitty beds. Each cat crash pad comes with a fluffy cushion that includes a removable washable slipcover.

Upcycled iMac

Credit: AtomicAttic

5. For pet parents who forget to feed Fido or Mittens on time, see the top of this post for an automatic kibble dispenser made from an old VCR.

You’ll need a little electronics know-how to execute this project. Peruse the instructions at MakeProjects.com.

Gaming consoles get a grown-up makeover

GreenCub gives old gaming equipment the adult treatment by repurposing them into geeky desk caddies.

6. Shown here is an organizer made from an old GameCube controller. It can store pens and paper clips, plus it includes a 3-ft. extension cable for your computing convenience.

GameCube

Credit: GreenCub

If Playstation or Xbox is more your thing, check out this Etsy page.

An idea that might be music to your ears

So what can you do with an abundance of vintage vacuums, mixers, and washers? Turn them all into your own personal orchestra.

7. The Blödes Orchester, which means “stupid orchestra,” is an electronic band consisting of ancient appliances created by Michael Petermann, a German conductor and composer. You can decide whether this carefully choreographed spectacle is music or noise.

Blödes Orchester from white tube on Vimeo.

A full, comprehensive Condo Management Tool in Excel

December 22, 2012

Condo management tool in excellCondo Management Template spreadsheetzone.com

This template is a professionally designed with powerful and extensive functionalities. The template includes all of the information for all of the residents. Also all kind of transactions such as gas, power, other utilities etc.

Very easy to use and FREE!  Great way to track your investment.

Got a gift card you don’t want…trade it!

December 19, 2012

Happy holidays!  Seasons greetings!  Merry merry merry!

Here are some great sites to add to you bookmarks…

cardpoolhttp://www.cardpool.com:  Buy and sell gift cards!  If you received a gift card that you’re not going to use – don’t waste it!  Sell it on cardpool.com and buy one that you will use!

 

 

airbnbwww.airbnb.com:  Traveling for the holidays?  Your favorite hotel booked up?  Use this site to rent a home in the area you want to stay in. Pictures, contact information and rates included.  Listings in 192 countries and 33,382 cities!  It’s easy to find a great place to stay at a great rate!

 

 

barterquesthttp://www.barterquest.com:  This is like trading your lunch in school but a great place to turn an unwanted Christmas sweater into a new set of ear buds!  Don’t let your gift giver’s money to go waste and trade up for something that you really wanted.

 

 

Don’t wait to PAY!

December 18, 2012

don't wait to pay

Hail Emerald! Pantone’s 2013 Color of the Year

December 18, 2012

Emerald-Green-Blue-White-Palette-2Goodbye Tangerine Tango. Hello emerald, Pantone’s 2013 color of the year.

Why emerald, or as Pantone’s swatch names it: 17-5641?

“Green is the most abundant hue in nature — the human eye sees more green than any other color in the spectrum,” says Leatrice Eiseman, executive director of the Pantone Color Institute, a color consultant to corporations.

Eiseman says emerald sparkles, fascinates, and “brings a sense of clarity, renewal, and rejuvenation, which is so important in today’s complex world.”

Tangerine Tango, last year’s color queen (and my new favorite hue), was a pinkish orange that packed an energy punch. 2013’s emerald is a vivid, verdant green that “enhances our sense of well-being … promoting balance and harmony,” Pantone says.

Expect to see the color on everything from kitchen colors to gas grills to $25 commemorative mugs.   Emerald green: love it or hate it?

How to Make Your Gingerbread House As Solid as a Real House

December 15, 2012

Holiday gingerbread houses need maintenance and improvement, too!

If you’ve ever built a gingerbread house, you know that walls crack, icing flakes, and roofs sag — if they don’t collapse altogether. And once you’ve got your gingerbread house up, you’ve got to maintain and protect it against sticky humidity and sticky fingers.

Here are their tips on how to improve and maintain the value of your gingerbread home.

how-to-make-gingerbread-houses-infographic-small_e542a168008e6374afce8cb0714dc06c

Click for a larger version of the infographic. (Once it launches, click on the image to upsize it.) 

Click to download the high-resolution PDF version of the infographic.

Chef Dana Herbert, winner of TLC’s “Next Great Baker” show, owner of Desserts by Dana in New Castle, Del.

Chef Herbert, who has created gingerbread homes 6 feet tall, reveals the secrets of producing sturdy and straight gingerbread walls that can hold up to candy and pounds of icing.

  • Bake gingerbread until it is dark brown and cracker-like – 35 to 40 minutes.
  • Air-dry it for two days before assembly in a low-moisture room. If you live in a humid climate, run a dehumidifier while drying.
  • If you’re not planning on eating the house, first make a foam board model and attach the gingerbread walls to that.
  • To achieve straight walls that make assembly easier, cut gingerbread with a pizza wheel.
  • To preserve the house for three years, coat the finished product with shellac and store in a plastic box with a tight seal.

Chef John Hart, executive chef at the Sheraton Seattle Hotel

With the help of architectural firms around Seattle, Chef John Hart creates structurally sound gingerbread houses that have weighed up to 500 pounds. Mostly, Chef Hart uses gingerbread as siding on his wood or foam board houses. Here are some of his gingerbread house tips.

  • Margarine makes gingerbread batter stronger than butter.
  • For smaller houses, assemble your house model from foam board, then take it apart and use pieces as templates for baked gingerbread squares. Cut the squares to fit with a utility knife.
  • Bake extra gingerbread squares, and cut them into long triangles to make angled supports you can glue to the inside of your house.
  • To hide wall cracks, mix a little royal icing with brown food coloring, and then rub into cracks. Smooth with a fine grain sandpaper.
  • Flat roofs need center supports because they eventually bow.
  • Allow several days for assembly. Bake and let dry for two days. Attach walls with royal icing and let dry overnight, then attach the roof.

Janet D’Orsi, owner of the Gingerbread Construction Company in Wakefield, Mass.

Janet D’Orsi’s Gingerbread Construction Company ships more than 10,000 gingerbread houses around the country each year. The trick to building a sturdy house? “Let it dry completely between stages.”

Here are more tricks of the gingerbread trade.

  • Attach roof peaks with a toothpick when drying.
  • Overlapping Necco wafers resemble a tile roof: Shredded wheat makes a good thatched roof.
  • Roll gingerbread dough to 1/16-inch thick, which will bake hard but not brittle.
  • Melted Lifesavers candy simulates stained glass windows.

Chef David Diffendorfer, instructor at the The Art Institute of Portland, Ore.

Chef Diffendorfer has constructed medieval gingerbread cities consisting of a castle and 16 buildings. The gingerbread acts as framing, which he covers with marzipan.

Diffendorfer offers other gingerbread construction tips.

  • Gelatin sheets, sold at baking supply stores, make colorful windows that look like antique leaded glass.
  • To strengthen walls, paint gingerbread with molten white chocolate, which bonds with the bread to create a solid mass. Also, pipe chocolate onto the display board to create a strong and quick-drying foundation.
  • Fill cracks with royal icing, but attach chipped pieces with white chocolate.
  • To make sure gingerbread joints fit tightly, miter edges.

My own gingerbread house creations feature molten sugar windows that save imaginary energy, gingerbread spruces for curb appeal, and even Twizzler rain gutters to handle runoff.

5 Little Known Facts About Your Christmas Dinner

December 12, 2012

From the number of years it takes to master the perfect turkey roast with all the trimmings to the real reason people hate Brussels sprouts, plus the hidden dangers lurking on your Christmas dinner plate – we’ve uncovered some startling truths behind the most celebrated meal of the year.

turnipsIt Takes 295 Days To Grow…

How long does it take to make your Christmas dinner? Two hours? Maybe four?

In fact, the average Christmas dinner takes 295 days to make before it reaches our plate according to research by Morrisons, as it needs 10 months to sow and grow before it’s ready for the festive feast.

dinnerIt Takes 47 Years To Perfect

According to a study by the Food Network UK, cooking Christmas dinner is so tricky, it takes us 47 years to perfect it without any mishaps.

The study found that a third of women never manage to cook the festive meal without a drama, with one in ten admitting that they mess up the gravy every year and 9% even forget to defrost the turkey.

“There is a lot of pressure to pull off the ‘perfect’ dinner and in many families, you have to live up to the standards set by your mother or mother-in-law, who have been mastering their festive feast for years,” says Nick Thorogood from the study.

It’ll Make You Gain 7lbs…

The average person will gain up to half a stone over the festive period, as the temptation of never-ending chocolates, mince pies and savoury snacks get the better of them, according to research by the British Dietetic Association.

With the average Christmas dinner racking up 956 calories and containing 48g of fat, it’s little wonder that we see the festive pounds pack on and suffer from festive fatigue shortly after the day of indulgence.

brusselHatred Of Brussels Sprouts Is Genetic

If you despise brussels sprouts, you’re not being a fussy eater because according to scientists from L’Oréal Research Centre, some of us were born to hate the festive brussels.

The gene, carried by 70% of us, make the brain detect sharp, bitter flavours and that’s what makes us shun the green veg when eating our Christmas dinner.

saltIt Has Nearly Twice The RDA Of Salt

People eat nearly twice their recommended salt allowance on Christmas Day, health campaigners from Consensus Action of Salt and Health (CASH) have warned.

The salt RDA is 5g, but the average Christmas dinner contains 8.87g of salt.

While the nation goes about their routine gorge on the big day, experts warn to steer clear of salt traps like processed and pre-prepared food to reduce the salt intake this Christmas.

Happy Holidays!

Advanced Power Strips and National Grid Rebates

December 10, 2012

surgeBy eliminating standby energy loss in your home, an advanced power strip can save up to $100 a year in electric costs!

An advanced power strip is different from a regular power strip. An advanced power strip includes three distinct plug categories.

  • The first plug type acts as the control and master plug, usually for your TV or computer’s central processing unit.
  • The second plug type is for your peripherals, such as audio or DVD equipment, computer monitors, or printers, and is automatically turned off when the control plug has been shut off or is inactive from the sleep mode on your computer, saving energy automatically.
  • The third plug type remains constantly active for those products needing constant power, such as cable boxes or modems.

Plus, National Grid offers discounted prices of $10 off advanced power strips.

  • Prices range from $13.25 for seven outlets
  • Prices range from $25.25 for ten outlets
Free shipping applies. Prices do not include sales tax.

Required Steps

To order, please visit our online store or call 1-800-473-9150.

Eligibility

Massachusetts residential electric customers of National Grid may qualify. Special pricing is available for a limited time only. Limit two power strips per customer. Savings and energy efficiency experiences may vary.