Eco-Friendly Tips With Low Costs and High Savings

Most homeowners have weather-stripped their doors to maximize climate control, and have switched out traditional incandescent light bulbs with eco-friendly CFL models. Short of installing double paned windows or making other costly home improvements, what more can you do to make your home “greener” without emptying your wallet?

Change filters often. Change air conditioning filters monthly to keep the system running at peak performance.

Dry bigger loads. Your dryer has more capacity than you think. Dry two or more loads at once so the dryer cools down and heats up less frequently. And clean out the lint filter often.

Check the fridge seal. Feel for cold air around your closed refrigerator door to be sure the seal is in good condition.

Adjust stove top cooking. Avoid wasting heat by matching up your pot/pan size to the correct burner.

Unplug battery chargers. Many chargers continue to draw power even when not connected to a device, so unplug yours after charging.

Use a laptop. They use less energy than your desktop computer, so use them instead when you can.

Reduce hot water consumption. Install low-flow, aerating faucets and shower heads. Select a shower head with a flow rate of less than 2.5 gallons per minute.

Choose drought-tolerant plants. Any number of plants and ground covers can add greenery to a yard without gulping lots of water – including clover, certain breeds of grass like Bermuda and Zoysia, and edible plants like herbs and strawberries. (Note: you may want to put in some type of wood or brick border to contain groundcovers or plants in the area you want them to stay in.)

Local Real Estate Market Update

Although there’s been some marginal improvement in the market, existing home inventory remains low and the average closed price of homes are still higher than last year in Douglas and Sarpy counties. Now is a great time to sell. Contact Sallie Elliott at 402-630-5953 for more information.

Down Bedding Primer

Few textiles for the bed offer the luxury and comfort of down. It’s lightweight, warm and fluffy, with unique breathability. Explains the Down Association of Canada, down wicks away moisture, allowing water vapor to pass through the down. This keeps you warm without clamminess or heaviness, and you can sleep in cooler air while staying warm. 

Down is part of the plumage grown by waterfowl for warmth. It clusters under and around the flight and body feathers, on the breast and under the wings. The geese and duck molt or shed the down just as they shed their larger feathers. As they preen their feathers, they loosen down and feathers. The farmer collects the loose down for “dry-harvesting,” a painless process much like brushing a dog to get rid of loose fur. 

A top-quality down product should have at least 90% down to no more than 10% feathers. The advantage is more “loft” which means the fibers buoyantly trap air for warmth while remaining fluffy and uncompressed. Look for lightness and bounce and avoid products with sharp feather quills or “down fiber,” a down dust that offers no value.  For comforters, choose a high thread-count, baffle box construction that compartmentalizes the down to keep it from shifting. 

You can buy comforters and pillows ready-made, so look for clear, concise labeling so you know exactly what you’re buying. You can also have duvets, feather beds and other products custom made for you at bulk down manufacturers.  

Freddie Mac’s Home Possible Loans

With as little as 3% down payment required, Freddie Mac’s Home Possible Mortgage loans are ideal for low to moderate-income borrowers with few savings, first-time homebuyers, borrowers with shallow credit histories or retirees on a limited budget. 

The benefits to borrowers are more flexible sources of funds for the down payment that can include gifts, grants, employer assistance, secondary borrowing, the borrower’s money, and other approved sources. Because the down payment is lower than the benchmark 20% down, you’ll pay private mortgage insurance. This protects the lender should you default, and the cost is based on your loan-to-value ratio and credit scores. Expect to pay $40 to $80 per month for every $100,000 you borrow. However, Home Possible mortgages have reduced mortgage insurance for loan-to-value ratios greater than 90 percent. 

Other benefits include flexible property options, including condos and 1-4 unit homes, caps on credit fees, mortgage flexibility including 15-to 30-year fixed rate loans and some adjustable rate products, income flexibility and refinance options. 

Required credit scores depend on the type of loan product you want and whether or not you're buying a single unit or up to four units in the same building, but you should have a credit score of at least a minimum of 660 to 680 for single occupancy.

If you’re hesitant about getting into a low-down payment loan, don’t be. These loans are only available through your lender if they meet Freddie Mac’s underwriting standards. Freddie Mac wants you to build wealth and security through homeownership. 

For more information, contact Sallie Elliott at 402-630-5953.

Downsizing Tips

At some point in our lives, some of us will have to downsize our home. Perhaps the kids are grown and you’re an empty nester or your just getting to an age where you no longer care to do all the cleaning and year work your home requires. Or maybe you’re just ready to simplify your life and get rid of the stuff you don’t need. Whatever your reason, these ten tips will help you achieve your goal. Downsizing done right!

1. Write a list of all the items you love and can't live without; it will help you bid adieu to things that didn't make the list. "It's hard to persuade people they can't take everything with them," "But by keeping what's on your wish list, you won't be upset about the things you can't keep."

2. Start thinning out your belongings at least three months before the move. Take some time each day, or one morning each week, to go through that jammed coat closet or overflowing filing cabinet. "Paper is the real killer," so tackle it one box at a time. The same goes for photos, which require a lot of attention.

3. Get a feel for the size of your new rooms by comparing them to rooms of similar dimensions in your present home. For instance, your living -room-to-be might be roughly the same size as your current bedroom. You may think you can squeeze in two sofas, but this kind of reality check could help you realize that only one will fit comfortably.

4.  Heavily edit areas with items that don't have as much sentimental value. Take the kitchen, for example; most people don't need l O mixing bowls and won't get emotional over losing a second spatula. If you're downsizing from a house to a condo, target the garage. Snow shovels, the lawn mower, ladders - you won't need any of them.

5. Don't throw anything in the garbage. Recycle, reuse, sell and donate instead. As tempting and easy as it is to pitch wire hangers, musty clothes and shabby furnishings, be environmentally responsible and find a home for everything. A can of Comet with a few shakes of powder left could make someone else's sink sparkle if you don't want it; consider giving supplies to a shelter, neighbor or cleaning lady.

6. Label three bins To Keep, To Sell and Charity (bins should be manageable when full). For the average downsize, keep only one-third to one-half of your belongings

7. Get an objective opinion. If you can't decide whether to keep or kiss those cookie tin collectibles good bye, "It's good to have someone who'll say, 'Oh, please, you never use that!'" It might just be the kick you need.

8. When selling your goods, try an auction for high-end items. Then look for reputable antique and secondhand dealers. Often, they can buy all of your wares or put you in touch with booksellers and other specialty dealers. "Some dealers will come to your home, take what you don't want and even drop off the charity stuff," "That way you won't be trudging all over town." If you can't sell an item, donate it to a shelter.

9. Use floor plans to prearrange your furniture before the move. This is another useful reality check. To start, draw plans if you don't have any, and sketch in a furniture layout. Then look at the plans realistically; if you've crammed in side tables, armoires and chairs, you need to edit more. Don't wait until after you move to contend with furniture you'll just end up tripping over.

10. Once you get to the packing stage, use a color-coded system to organize all of your boxes. Choose a color for each room and mark the boxes destined for that room with a coordinating color sticker. You can also do the same thing numerically; for example, if room No. 1 is the kitchen, then all boxes marked No. 1 will go there. A simple and efficient organizing idea to make the move that much easier!

For help with downsizing your home reach out to us at the Priority Group. We’re the experts. www.omahaprioritygroup.com