No matter your age, if you use a computer – and especially the internet – you need to be savvy about security. Yet many users have no idea how vulnerable they might be to malicious thieves who can “hack” and “phish” into personal computers.
To prevent theft of information that can rob you and your family of your financial assets – and your dignity – be mindful of the following:
Educate young video gamers on the importance of protecting personal information, and instruct them to inform you of unusual requests for private facts, photos or activities.
While on social networks, be wary of unknown links to unusual blogs, tweets and other services that invite interaction.
When using unsecured Wi-Fi networks, increase your computer’s security levels, and ensure your computer has automated anti-virus upgrades.
During financial transactions, check that you use only trusted websites that start with “https” (the “s” stands for “secure”).
Remember the last time you walked through a furniture showroom? You probably noticed that the sofa, chairs, tables and other furnishings were arranged – or staged – to make them look more appealing. You might have seen an attractive lamp on a sofa end table, or an appetizing bowl of fruit on a dining room buffet.
When preparing your home for sale, you should do much the same thing. Stage each room to make it look its best. Studies prove this will help sell your home faster and for a better price.
Here are some simple, affordable staging tips:
Make each room look as spacious as possible. This may mean putting some items, and even some furniture, into storage.
Remove unnecessary items from countertops, tables and shelves.
Keep decorative objects on shelves, tables and even sofas, in odd number groupings. According to Barb Schwartz, the originator of staging, this combination works best. So, put three pillows on a sofa, not two or four.
Make an older-looking piece of furniture look quaint and stylish by adding a throw cover.
Add life and good looks to just about any living space by adding flowers or a flowering plant.
Have the table set with your best china. It makes the buyer want to move in and sit down for dinner!
Consider replacing the sink, faucets and toilet to make an older bathroom look much better. It’s relatively quick and inexpensive.
Professional stagers look at your home through the eyes of the buyer. Do the same and you’ll be able to see what changes need to be made.
When it comes to home fire safety, a little preparation and precaution go a long way toward ensuring your family, your home, and your valuables are protected. Consider the following important information about preventing, fighting and escaping residential fires.
Fires and Fire Extinguishers
Fires are classified into different types, depending on the material burning. Fire extinguishers are similarly classified according to the type of burning materials they are designed to extinguish: A type for paper, wood and natural fabric; B type for grease, oil and combustible fuels; and C type for electrical fires. Since residential fires can involve any type of material, every home should have at least one multi-purpose ABC fire extinguisher that is easy to use. In addition, if you store chemicals, you should have an extinguisher designed for that specific chemical in order to ensure that no adverse reaction is caused by the mixture of the burning chemical with the fire extinguisher solution. For example, a poisonous gas is produced when chlorine comes in contact with ammonia, yet ammonia is found in most Class A extinguishers. Remember that your fire extinguishers should be positioned near (but not too close to) cooking areas, fireplaces and other likely sources of fire, and should be inspected and/or replaced according to safety guidelines.
Smoke Detectors
There should be at least one smoke detector on every floor of your home, as well as outside each bedroom in larger homes. If any resident is hearing-impaired, consider strobe-light alarms. To avoid false alarms, only use smoke detectors designed for specific areas. For example, ionization types are best for bedroom areas, and less sensitive photo-electric detectors are better for the kitchen. Some building and safety codes require hard-wired detectors that are permanently connected to AC power, with back-up battery power. Keep all smoke detectors dust-free, and don’t paint them. Remember to test and replace the batteries regularly, and note the units’ expiry dates.
Security Precautions, Prevention and Protection
It is wise to do whatever you can to protect your family and valuables by preventing fires, rather than only reacting to them. For instance, experts urge all homeowners to discourage smoking indoors, especially in bedrooms, and to be wary of purchasing flammable fabrics and furnishings, or unsafe, unapproved building materials. It’s also recommended that you ensure that your priceless valuables and critical financial records are kept in a fire-proof safe, preferably away from home, or that you keep copies of critical documents elsewhere. As the saying goes, an ounce of prevention is worth a pound of cure.
Sometimes you know a desirable street when you see one. For example, it’s obvious that a home on a cul-de-sac is enticing mainly because there isn’t any through traffic.
What are the other characteristics of a desirable street that may not be as obvious? Here are just a few:
Sidewalks. A sidewalk in front of your home is not only handy, it also adds to the property’s curb appeal. In addition, if you have kids, a sidewalk makes it easier – and safer – for them to play and visit neighborhood friends.
Mature trees. Trees lining the street add depth and beauty. Most homeowners value front yard trees and would miss them if they were gone.
Safety. Unfortunately, some streets are more prone to crime and other issues requiring police intervention than others. Clearly, homeowners appreciate a street that’s known for being safe and located in a community with a low crime rate.
Pride-of-ownership. When considering buying a home, take a walk along the street. Do homeowners take good care of their properties? If so, that sign of pride-of-ownership indicates it’s a great place to own a home.
Location. Where the street is located is just as important as its characteristics. Are things you want, such as parks, schools, shopping, etc. nearby? Is the street in a desirable area overall?
Noise. This is a characteristic that can be invisible to the home buyer. If the street is in a flight path, or near a busy highway used by rush-hour commuters, you want to know!
A great street can dramatically add to the enjoyment of a home.
When you make an offer on a home, it’s a smart idea to have a professional home inspector check it out from top to bottom. This inspection will ensure that the property doesn’t have any unexpected “issues”. After all, you don’t want to buy a home only to discover that the roof needs to be replaced, immediately, for thousands of dollars.
Nevertheless, you might question whether you really need to invest the few hundred dollars it costs for a professional home inspection. “The home we want to buy looks like it’s in very good shape,” you might be thinking. “I can’t see anything wrong with it.”
However, a professional home inspector can see things you can’t. When you view a property that’s on the market, you might be able to notice obvious issues, like a crack in the foundation or a dripping faucet. If you’re experienced with home maintenance, you might even notice roofing tiles that look like they’re overdue for replacement.
But, most people don’t have the equipment, knowledge or experience to identify all the issues a home inspector can.
A home inspector will, for example, use a special device to check for moisture build-up in the washrooms – which can be an indication of mold. A home inspector will also inspect wiring to make sure everything is safe and compliant with the building code.
That’s not all.
Like a determined detective, a home inspector will investigate the property’s structure, electrical and plumbing systems, insulation, and other components – and then report the findings to you. In the end, a professional home inspection gives you peace-of-mind and protects your investment. So, getting one is highly recommended – even for recently built homes.
Many seniors are reaching the stage in their lives when they are choosing to downsize their homes for lifestyle or financial reasons. Other seniors are faced with a more difficult decision. Health and/or mobility concerns may require them to either retrofit their existing home to meet their changing needs, or to seek a more accommodating home.
The decision can be difficult because many simply don’t want to move. In such cases, especially if mobility challenges are arising, wheelchair accessibility may be necessary, not just at the home’s entrance, but under counters, in bathrooms, and through doorways as well. Ramps, elevators and stair-lifts may also need to be considered.
In addition, other small changes may need to be contemplated, such as easy-to-find and easy-to-use switches, possibly with remote or hands-free applications, as well as levers for all door handles. The addition of keyless entrances, remote control security and 24/7 monitoring devices will help put many family members at ease. However, in cases where a retrofit is cost-prohibitive, the logical option may well be to seek a bungalow or well-appointed condo that can be more easily adapted.
If you want to improve how your home shows to potential buyers, you don’t necessarily need to invest in a costly remodeling or renovation. In fact, there are some simple – and relatively inexpensive – things you can do to make your property look significantly better.
Let’s take a look at some of the options available:
1. Paint it.
There’s no doubt about it. A fresh coat of paint will significantly improve the appearance of just about any area of your home. In fact, compared to other home improvements, painting will give you the highest return on investment when you sell your property. Think beyond walls. Painting a door, window frame, garage floor or deck can make those features look like new.
2. Declutter it.
Eliminating clutter will make your home look more attractive, roomy and comfortable to buyers. Do an inventory of each room. Ask yourself: “What can I throw out? Give away? Sell? Put into storage?”
3. Put up mirrors.
Mirrors are a relatively inexpensive design feature. Yet, according to an article in Style At Home magazine, they can make small rooms appear bigger and dark rooms seem brighter. You don’t necessarily need to buy wall-hanging mirrors. Standalone floor models will have the same effect.
4. Repair it.
In most cases, you will have to get any needed repairs done anyway. So, do them before you show your home. That way buyers will focus on the appealing features of your property, not the minor defects.
One of the most prominent features of any home is the windows. If they are well maintained, they will have a positive impact on the impression potential buyers have of your property. Of course, the opposite occurs when your windows look old and worn.
So, does that mean you should replace your windows?
That depends on a number of factors. Window replacement can be an expensive renovation. Here are a few things to consider before making your decision.
Do you see water infiltration or mildew on the interior sides of any of the window sills? This means that moisture is creeping in from the outside, and you need to get those windows repaired or replaced as soon as possible.
If your windows are double-paned – (two panes of glass) – check for any signs of moisture in between the glass panes. Moisture indicates that the thermal seal is broken and, at a minimum, the glass will need to be replaced.
Take a look at your windows from the outside. Is the trim rotted or cracked anywhere? Are there dark spots or any signs of rotting on the wood frames? Repairs or replacement may be required.
Check the operation of your windows. Do they open and close easily? Some windows, such as those in bedrooms, are often designed to be big enough to use as an exit in case of a fire. It’s important to make sure those work properly.
Finally, are you happy with how your windows look? Do you feel that your property will look significantly better with new windows?
Although they are expensive, replacing windows can have a lot of advantages. Depending on the efficiency of your current windows, replacing them could cut your energy costs by 10-20%. In addition, new windows block out more exterior noise, making your home quieter.
If you take care to price your home correctly – that is, at a price that is in line with what similar properties in the area have sold for recently – then you have a good chance of selling it at or near your asking price.
That doesn’t mean you won’t get a low-ball offer. You might. So, what do you do when that happens?
First, understand that the buyer may not necessarily be trying to steal away your home at a bargain-basement price. They might simply be mistaken about its true market value. Of course, they might also be coming in at a low price in the hopes they’ll get lucky.
You will never actually know the buyer’s motives. So, it would be a mistake to get angry or dismiss the offer out-of-hand. That low-ball offer might end up being the beginning of a negotiation that results in the sale of your home at a good price.
Your first step is to work with a Real Estate Professional to determine:
Whether the buyer is serious.
Whether the buyer is qualified. (For example, do they have a pre-approved mortgage?)
How amenable the buyer is to a counter-offer that reflects the true market value of your home.
What that counter-offer should be.
This isn’t an easy process. It takes the knowledge and experience of a professional real estate agent to get it right.
The following tips will help you avoid waste when watering your lawn:
Use a low-angle, pulsating sprinkler. Water sprayed high into the air produces a mist that loses much of its moisture through evaporation.
Water the lawn, not the sidewalk or driveway.
Lawns need about an inch of water per week. To determine how much watering time that requires, place an empty tuna tin within your sprinkler’s range, and note how long it takes to fill.
When watering, account for recent rain.
Use an automatic sprinkler system that allows you to adjust the area, frequency and/or duration. Set the timer to operate just prior to sunrise.
Attach rain barrels to downspouts, in order to catch and hold roof runoff and then re-distribute it to your lawn, garden or container plants. Keep it covered for safety reasons, and to prevent mosquitoes from breeding. (Note: rainwater is actually better for plants because it doesn’t contain chlorine and has an ambient temperature).
