Unmarried Couples
Your Property Rights: Moving in Together or Splitting Up

Recent nationwide surveys show many couples are deciding to live together before marriage or live together with no intention of marrying at all. For these couples, buying a home is not necessarily more difficult but it does come with additional challenges and items to consider before signing the dotted line.

Unmarried couples will find they have the common options of Tenants in Common or Joint Tenancy contracts when they purchase property. In some states one of these options will be considered automatically for them so they should be aware of what type of contract they are signing in advance.

Tenants in Common:

• Contract between two or more people to own property together. There is no limit to the number of owners. This type of ownership is common for unmarried couples, groups investing in larger property and those interested in buying property in expensive markets they could not otherwise afford on their own.
• Tenants in Common can sell their share of the home at any time. If no additional contract is made, they may do this without forewarning other owners.
• Shares of the Tenants in Common does not need to be equal. Percentages can be assign based off contribution amounts. Sally A. may own 50%, Tony B. 25% and Mary C. 25%.
• To terminate a Tenants in Common contract one owner may buy out the other(s) or all parties can agree to sell the property and split the profits according to percentage(s) owned.
• If one owner passes away, then it is whomever they specified in their last will and testament who inherits that share.

Joint Tenancy:

• Most of the above conditions also apply to joint tenancy. However, a joint tenancy offers a right of survivorship. If one of the owners passes away, the other(s) automatically get ownership without the necessity of a last will and testament.

It is important to realize the above contracts cover the basic property rights for a mortgaged/purchased home or property. The above do not protect individual property (i.e. furniture), discrepancies in contributions to home improvements, or other expenses of owning a home. Therefore, it is imperative that unmarried couples write up a contract that address these issues. Almost like a pre-nuptial agreement (and often perceived as unromantic as one) a contract of terms will protect both parties in case paths do part.

Items to consider in a contractual agreement:

• If you have a Tenants in Common agreement, make certain all parties do have a last will and testament to clear any possible confusion of ownership in case of death.
• Include terms for terminating the joint ownership. -Specify if the other party should be given a required number of days notice of the sale and an option to buyout before one of the owners sells their half. -Set limits on the amount of the time allotted for the buyout. A fair time should be offered with a consideration of time constraints created by working through the banking process. -If the property will be sold, make sure to include the percentages of the property owned so each party gets their share.
• Detail how expenses will be kept on equal terms. Will the mortgage be split? Will one pay the mortgage and the other all the household utilities and joint bills? Again, if the contribution is not equal the difference should be recorded.
• It may be too cumbersome and unrealistic to include personal property items such as furniture in this contract. Instead you may want to make a separate record. List items that each individual brings into the household. If furniture is later purchased together, many unmarried couples will find it beneficial to keep track of contributions. Because their separation will not be treated as a divorce, disputes over items like these will be harder to resolve without some record.
• Do not include chore items such as who does the dishes. This can make your contract frivolous and tossed out in a court of law. However, some counselors do suggest making chore lists for all couples (married or not) to help cope with the pressures and expectations of our fast passed lives and homes.

If the unthinkable does happen and you do separate, make sure to give yourself time to cope and process. Even without a marriage it is a major life change. With or without contracts it is important to work together until you can sell or buyout the house if at all possible.

Some coping strategies:

• Accept and expect mood swings
• Don't expect to be able to concentrate and work at 100% for a while
• Don't expect to understand why you separated right away - this takes time and reflection
• Don't become a hermit - instead use this as a launching pad to rediscover your interests and hobbies
• Prioritize your needs

These days you can find a web site that covers anything. Included in this trend are home improvement web sites. Some of these helpful sites may be related to a television program (as discussed in our April article 'Home Improvement Television'). However, there are also many that are mostly web based that offer great home improvement hints, tutorials and visual aids. Below is a list of some of these web sites. We have included the web site message to the consumer, our short review and our ranking of the practical features (such as navigation) to the right. Web sites are listed in alphabetical order. Hopefully you will find some information here that may help you on your next home improvement project! About.com Home Repair http://homerepair.about.com/ Web Site Summary: [About.com contains areas maintained by experts in the field; the only description we found about this section was about the expert.] Bill Lewis is a professional electrician. He has also been a carpenter, a contractor, an editor, a publisher and an urban planner. Bill focuses in this site on repairs and improvements with an eye to saving money and adding value. Homecheck Summary: Helpful articles about various projects and home repair issues. A good article reviews the pros and cons of do-it-yourself work. Overall the articles are quick and to the point. No illustrations are offered but the advice is good and well written. Would like to see more topics and visual aids. Al's Home Improvement Center http://alsnetbiz.com/homeimprovement/ Web Site Summary: Als Home Improvement Center is the site for do it yourself and how to tips covering all aspects of residential home repair, home improvement, remodeling, and renovation projects around the house. Featuring tips, advice, how-to articles and step-by-step information to help you maintain and improve the value of your home. Homecheck Summary: Random. This web site is primarily made up of links to other home improvement sites. However, there are some written guides and tutorials. The web site itself is basic in appearance and has few visual aids. However, some of the tutorials do offer step by step pictures. The site may be hit and miss but does seem to have some hidden gems. Ask the Builder www.askthebuilder.com Web Site Summary: Once you are in my new cool web site, here is what you will find: Over 400 Step-by-Step Guides- these contain the extra content, how-to instructions, links to manufacturers, etc. that the newspapers didn't have the room to print when they ran my original columns. Numerous TV Video Clips - watch me show you new products and cool tricks on how to do things. Over 150 Radio Shows - These radio shows have been stripped of the boring commercials. Each show is broken out into the individual callers. I explain in great detail how to do things as I talk to callers. You can listen to the segments or shows as often as you want. Each week I add the latest radio show for your listening pleasure. Email Questions and My Answers - Live questions from visitors just like you along with my responses. [This description is what a premium, paid for membership includes, some of these materials are available for free on the web sit as well.] Homecheck Summary: This web site does offer some good articles about home improvement. A paid for membership will give the user access to much more. Good content in the articles and Q&A, but not very many visual aids. Some of the material is for geared towards those with advance knowledge of home construction. A good site to review and would be even better if you want to pay for the membership; check out what a paid membership get you, click here. Better Homes & Gardens www.bhg.com Web Site Summary: BHG.com is focused on decorating, building and remodeling, crafts, entertaining, cooking, and gardening. It also has extensive information for women and families. In addition to providing useful tools and advice, BHG.com's trusted experts keep visitors up to the minute with information on the latest developments and trends around home and garden. BHG.com was designed with real people in mind. It has easy-to-use interactive tools; clear visuals; specific, step-by-step instructions; and money saving suggestions. It makes life easier and more enjoyable. Homecheck Summary: One of the first things you'll notice are the pop up ads on every page; incredibly annoying and overused! This site does have home improvement and restoration articles available online. However, the articles are brief and some do not have pictures. The Tools & Guides are useful and easy to use. These tools include planning the layout and painting rooms to calculators for figuring out the cost of materials in advance. Overall this site is better for stimulating decoration and remodeling ideas but does little to tell the do-it-yourselfer how to tackle these projects. BobVila.com www.bobvila.com Web Site Summary: Online and on the job site, home improvement pro Bob Vila helps homeowners build their dreams. Homecheck Summary: This web site offers a lot more information than just TV listing times. It is easy to get around, however, there is so much information available the choices at first can be a bit overwhelming. Articles are very practical and thorough, fix its include diagrams and photos, and the videos are a great way to review topics if you missed the television show. Design tools and the bulletin boards do require a sign up, but it is FREE! These tools are great and easy to use. Overall this site is one of the most informative and generous internet sites offering expert advice. DoItYourself.com http://doityourself.com Web Site Summary: N/A Does list a great deal of quotes from media sources and what they say about the site. Homecheck Summary: This web site really uses the point and click method. Once inside, most of the pages show all possible selections at once leaving the user to scroll and review at will. For shopping this works best. Once in the home improvement section, each topic has How To, Q&A and Tips. All are written concisely and use some pictures when applicable. Some How To's are more informative than others. Depending on the topic, users may find not all their questions answered as the subject may only have an introduction/summary instead of a full tutorial. More diagrams and drawings for some of the How To sections would be nice as well. Finally, a collection of manufactures and suppliers are listed by area of expertise or in advertisements throughout the site. (For professionals interested, listing on these pages begins at $30.) DoItYourself Network www.diynetwork.com Web Site Summary: DIY Network is your television source for the latest do-it-yourself projects, including Home Building; Home Improvement; Automotive & Boating; Crafts; Gardening; Living; and Woodworking. Informational and entertaining, DIY's programs and experts answer your most sought-after questions, plus offer creative projects that will inspire you to do something out of the ordinary - yourself. DIY's web site, DIYnetwork.com, features step-by-step instructions for all that you see on-air, totaling more than 15,000 projects online. Homecheck Summary: The tutorials do point out the television show times. However, if you miss the show, a step by step detail with pictures from the project are available online. Not all the show reviews are meant to be tutorials of how-to but instead are examples of what may be accomplished; a sort of idea bank. Overall the tutorials are clear and easy to follow. There are also some project planners available, but these are borrowed from the Lowe's web site. Home Decoration Concepts www.homedecorationsconcepts.com Web Site Summary: Homedecorationconcepts.com is a site that has been built to ensure you have all the information you want when you build your own house. The information presented here covers various aspects of home decor ranging from individual articles on decoration bedrooms, kitchens, bathrooms etc to general articles on furniture &furnishing the house. The site even provides you with articles based solely on how to paint and maintain your house. In short, Homedecorationconcepts.com can be your first step towards your dream house! Home Depot www.homedepot.com Web Site Summary: The Home Depot is the world's largest home improvement retailer and second largest retailer in the United States. We help our customers build their dreams by being more than a store. Learn about Home Depot and our other subsidiaries that specialize in everything from flooring, lighting and interior decor to landscape supply. See how we're making your community a better place to live. Find a career with a Home Depot company or invest in your future as we drive to establish wealth and financial security for our investors. Homecheck Summary: An extension of the store, this site is intended to sell products. However, it also has some tips and ideas for using the products available. The tutorials on this site do come with difficulty rating and photographs of the project steps/procedures. An easy tool included in the tutorials is a printable shopping list so you may know exactly what you need (and where to buy it!) for any project. The only downside is the planning tools are brand based and only show painting color schemes, shelving layouts, etc. using one particular brand. Home & Garden TV www.hgtv.com Web Site Summary: At HGTV.com, you'll find even more of what you love about HGTV: instructions for thousands of home and garden projects, video tips, an interactive Program Guide and episode finder, Calculators, Message Boards and more. Just click on your favorite topic—Decorating, Remodeling, Gardening, At Home, Crafts—to learn the latest on enhancing your nest. And be sure to visit the HGTV Store for unique home and garden gear. Homecheck Summary: The How-To tutorials are great. They take you through step-by-step with audio and visual review. After watching the segment you may print out written instructions as well. It does work best with a high speed internet connection. Only negative comment is we wish there were more! But these are sponsored by Lowe's and users may always click on the advertisement to go to their library as well. The Home Improvement Web www.the-home-improvement-web.com Web Site Summary: The New Home Improvement Web Directory - Tips, Design, Decorating, Repair and Improvement Information For The Consumer and Professional! Find Improvement Tips, Products, Professionals, and Services in Canada, United States, and United Kingdom! Homecheck Summary: Some great articles about home maintenance and repair. However, there are no illustrations. Many of the articles are submitted by other web sites/sources, but the quality of the articles seems to stay about equal. HomeStore.com www.homestore.com Web Site Summary: Homestore, Inc. is a leading supplier of media and technology solutions that promote and connect Real Estate Professionals to consumers before, during and after a move. Homecheck Summary: This site is primarily geared to those looking for realtors, homes, apartments and other real estate listings. To find home improvement articles go the Home & Garden tab at the top right. Here you may find decorating and some guides to home improvement projects. The tutorials are borrowed from the Creative Homeowner text and include great pictures with the step by step guide. Finding the tutorial you are looking for can take a little time through the different menus. It is easy to click on another feature and be taken to another site; although the new site is owned by the same group, why you went there may not be clear at first. Again, do-it-yourself home improvement is not the main feature of this site so unfortunately there are not as many articles and projects; but the articles it does offer are easy to follow and have good visual aids. HomeTime.com www.hometime.com Web Site Summary: Welcome to Hometime.com your online source for home improvement, remodeling, and repair information. Here is where you’ll find project advice, information about current and past TV episodes, behind-the-scenes Hometime information and a variety of products to help you with all your project needs. Homecheck Summary: This site has project advice, information about the show and a variety of products to help you with all your project needs. Also find lists of vendors and their contact information for materials you see used on the show. The how-to tutorials on the web site are basic. Check out the archives to find past episodes that relate to your own projects. Copies of programs can be bought and usually cover one individual tutorial or the whole series related to construction of one house project. Home Tips www.hometips.com Web Site Summary: Home Tips is your free one-stop resource for help with home improvement, remodeling houses, home repair, decorating, and buying appliances and other home products. Homecheck Summary: This site has some lengthy articles and some quick summaries. Very few pictures and a lot seems to point towards purchasing material through the site. That is not to say the information isn't valuable; many of the articles/buyer's guides offer good reviews of the materials available to the consumer. There is a section of D-I-Y Instructions that offers a bit more insight. But again would like more step-by-step, illustrated instructions. Lowe's Home Improvement www.lowes.com Web Site Summary: [Well the closest we could find!] Lowe's has been Improving Home Improvement ® for more than 59 years. In 2005, Lowe's earned several notable industry distinctions, including: Ranked 43 on the FORTUNE 500; Named 2003, 2004 and 2005 ENERGY STAR Retail Partner of the Year; Operates more than 1,100 stores in 48 states Homecheck Summary: Offered by the retail store as an extra feature, the primary goal of the site is to get information about and/or purchase products for sale. Prompted for your Zip Code, this information is used so you may search for products available in your area (this includes plants!). Navigation is easy, however some pages heavy with images may take longer for some computers to load. Most of the tutorials suggest certain products, which is to be expected. However, these tutorials do still prove to be helpful and diagrams are provided for more complex tasks. Check out their 'In-Depth Microsites' for more information and online tools such as the Garden Planner. The Garden Club has really useful tools with great information about plants. Overall, this site does prove helpful to the home improvement weekend warrior. Michael Holigan's Your New Home www.michaelholigan.com Web Site Summary: Michael Holigan’s Your New House, seen on broadcast stations and cable by more than 2 million viewers every week. We promote tips and advice on how to build, buy and remodel the home through our TV show...serve as a source of expert advice and information for consumers on topics relating to: New home construction, The purchase and financing of new and existing homes, The purchase and financing of manufactured homes, Residential remodeling, Home improvement Homecheck Summary: Tutorials are available through online copies of show transcripts or broken down into step-by-step online tutorials. The use of photos help illustrate the steps of the projects. If you have a good connection you may also watch video excerpts from the show. All around great advice and direction. Just can't wait for there to be even more topics available. MSN House & Home http://houseandhome.msn.com/ Web Site Summary: [Could not find one for this section, but everyone is pretty familiar with MSN.com for which this is an extension.] Homecheck Summary: Tutorials and content is provided by Better Homes and Gardens. Articles are short and to the point. Most have drawn illustrations. Start Remodeling www.startremodeling.com Web Site Summary: StartRemodeling.com’s Roots began in 1997 as an interactive sales tool for Lone Star Specialty Remodelers, a Houston, TX based remodeling contractor, in business since 1982. The site, still owned and operated by Real Remodeling Professionals, was transformed in 1999 to bring visitors to the Internet an informative and easy to navigate site that will allow them to locate anything and everything they may need to improve their homes. Homecheck Summary: Some good short articles and how-to's are in the Interior and Exterior Showcases. The remodeling values article is a nice hidden gem as it was the first we saw of someone illustrating how that major home improvement project may effect the resale value of your home. Overall, the articles are bit hit and miss and could use more visual aids, but there are some definite gems to look over in the archives. This Old House/Ask This Old House www.thisoldhouse.com Web Site Summary: Homeowner Know-how: Our extensive database of do-it-yourself articles and step-by-step instructions help homeowners execute a wide range of home improvement tasks. Organized by topic, this section covers everything from kitchen and bath to yard and garden. Homecheck Summary: Some free tutorials available online. However, most information is only available to magazine subscribers ($4.93/3 issues & presumably much more through online access). The guides that are offered for free are well written, have great photographic visuals and are easy to follow. It may make the subscription worth it to those who want expert guidance and help. TrueValue www.truevalue.com Web Site Summary: True Value, operating worldwide, has been a leader in the hardware industry since 1948. With its broad and deep product selection and helpful customer service, True Value is a trusted resource for do-it-yourselfers in big cities and small towns alike. Homecheck Summary: The web site for the retail store, this site has some good directions for home projects and improvements. The tutorials are very detailed. Drawn pictures serve as visual aids; it would be nice if there were more of them for some of the projects listed. Well written and easy to follow articles. Don't forget to check out the expert Q&A where you may submit questions or review the archive or questions asked. Toolbelt Diva http://media.home.discovery.com/fansites/toolbeltdiva/toolbeltdiva.html Web Site Summary: As the feisty host of Discovery Home Channel's new series Toolbelt Diva, Norma pairs up with female homeowners to tackle a variety of home-improvement projects. Toolbelt Diva proves that any woman can take on just about any home-improvement project, and it also has plenty of information and insight for the man of the house as well. Homecheck Summary: A fun twist to the usual home improvement shows, this tv show's web site also offers video clips and written guides reviewing projects handled on the show. Wish there was more material available online as the topics covered are still rather limited.

The days are longer, the temperatures are becoming pleasant and our energy levels are up as we begin to stretch out of our winter hibernation - spring is here! Time to harness some of the new energy and get the spring cleaning out of the way. Although some demigods may have immaculate households and not heed this tradition, most of us do have a bit (or more) of collected clutter and dust around the home. Spring cleaning is a great opportunity to remove dust, mold, toxins and clutter from our households. And as we clean, we notice a pile emerge of unused and unwanted "stuff." This gathered hoard of old décor, books, electronics and exercise gadgets should not be squirreled away for another year! Instead, incorporate into your spring cleaning the determination to get this "stuff" out the door through a garage sale (real or virtual) or off to charity.

Spring Cleaning

Spring cleaning for most households is a family tradition. According to the contributors to Wikipedia, evidence of spring cleaning can be seen in ancient civilizations - from the Jewish tradition of cleaning the house before Passover to the Iranian "khooneh tekouni" or "shaking the house." Many Americans grew up in households where there was a yearly purge of dust and "bad air" from the winter months. This too comes from earlier times when fires of coal and wood were the primary source of heat and rural households sometimes bundled down with the livestock indoors. For this reason, some argue that spring cleaning is not a necessity with our modern furnaces, solid windows and cleaner spaces. Consider this a time then to do the very best cleaning of all your living spaces, appliances and work areas. We all skimp on cleaning out the fridge or stove, now is the time to hit these areas thoroughly. Below we have listed some common items to clean during this sweep. For a more detailed list to help on your cleaning, we have also provided a "Spring Cleaning Checklist."

Common Spring Cleaning Tasks:

Dust ceilings, walls, corners, light fixtures, base boards, vents, and furniture

Wipe down walls, light-switches, outlets, doorknobs and handles

Clean blinds, curtains, drapes, window sills and windows

Clean doormats, bathmats, and area rugs

Shampoo the carpets

Clean the hardwoods and vinyl

Dust and wipe down furniture, cabinets, shelves and countertops

Clear the clutter and get items back where they belong

Consider items for a garage sale, charity run, or dare to think it - re-gift it!

Remember to click here for a detailed Spring Cleaning Checklist! WORD | PDF

Other important items (while your at it):

• Update important documents in safe or safety deposit box
• Update emergency plans and phone trees
• Review emergency plans with family members
• Review all medications in your household for expirations
• Review first aid kits - these don't last forever and you may need to replace some items or the whole kit Also review any other emergency kits
• Test and change batteries in smoke and carbon monoxide detectors

Garage Sale

Now that you have cleaned your house, you have gathered "stuff" that you no longer use, need or want. Your gathered hoard of goodies will probably include:

• Unwanted décor
• CDs / DVDs / Games
• Books
• Dishes / Glasses / Cups
• Kitchen Gadgets/Small Appliances
• Exercise Gadgets
• Craft Goods
• Small Electronic Devices

Now what?

Getting ready for a garage sale can be a daunting task and should be handled with the same planning and care you would give to a major event - just try to keep it fun - you're planning for a big block party where you get to meet your neighbors and make some money! Here are some basic guidelines:

1. Take inventory of your gathered hoard: :Literally list the items as you place them in boxes/bags until the weather is nice for the sale. This will help you organize items. It is very helpful if you begin this process during your spring cleaning.
2. Consider items for charity: If you have some highly valued items, such as gently warn winter coats or clothing, consider giving some of these items to charity. You may try to sell most items and then give the leftovers to charity. However, don't use your local charity as a dump - be realistic and keep only usable items for these organizations.
3. Set a date: Choose a day where you can rest well the night before and commit your full energy the day of the event. Keep the big day reasonable - if you are not a morning person - don't open a garage sale at 8am. With the right advertising you should be able to set your hours and stick to them.
4. Be firm on your choices: If you haven't used an item in a year, then it is a very good chance you won't use it again. Let go of any emotional attachments to items - even if you mother gave you that clock you never use you can let it go. Instead, keep the more personalized items like photos or something handmade. Every gift is not a treasure! Remember - it was the thought that counted - not the unworn tie!
5. Know the going rate: Review other garage sales in your area to see how similar items are being priced. Check online for prices on trade sites such as eBay.
6. Showcase your items: Hang clothes, put small items in baggies, etc. Keeping your selection clean and neat will help buyers decide quickly. Also, label all of your prices. One box of "10 cents each" may be okay, but try to keep most items clearly priced and labeled.
7. Advertise and make signs: These days advertising a garage sale is not only done in the paper. You can post announcements to online localized sites such as Craigslist and even most Penny Savers have an online option as well. When you make your signs keep them clear, big and simple. Make certain to take them down as soon as your sale is over.
8. Change from the bank: Before the big day make sure to get some change for the cashbox. Decide beforehand if you will accept a checks and under what conditions or for which particular items.
9. Prep your sale table: Besides your cashbox, prep your sale table with bags, newspaper to wrap fragile items, paper and pens, maybe a few good munchies and some items for you to do during any slow lulls.

Online Garage Sale

Now perhaps you have items left over from your garage sale or prefer to sell from the comfort at your computer desk at your own pace. Just keep in mind that selling items online will require more time as you write descriptions, place photos and run to the post office. If you have the patience or enjoy the idea of a virtual garage sale, these sites will help you get your unwanted items moving out the door! Amazon Marketplace: If you are a bit of a bibliophile and need to thin your collection, the

Amazon Marketplace can be a great option to sell used books, CDs, DVDs and more. Keep in mind that to list is free, but there are fees when an item sells. Considered more user-friendly than similar sites, it is worthwhile to check it out. http://www.amazon.com/gp/help/customer/display.html?nodeId=1161232

BarterBee.com: A site specifically geared towards recycling CDs, DVDs and computer or consol games between households. Once you sign up for a membership, you list your used items for sale. Sell items to get points. You can then use those points to buy other CDs, DVDs or games that you want to try out. Of course you wouldn't use this site to make cash - points are used for like items. http://www.barterbee.com/

Craigslist: An online mismatch of services, used goods and announcements by city location. Here you may be able to find used items cheap. It can be the ordinary like used furniture to the not so common. For example, I once found someone who had new pavers left over from a patio project that they were willing to sell at a discount just to get them off their lawn. You may also be able to find cheap services such as yard work. However, users beware, there are no regulations on this site and you should take precautions when working with anyone on this list. This site definitely has a mixed history of great successes and terrible wrongs. Be careful. http://www.craigslist.org/about/sites

eBAY: One of the most popular and well known online auction stops, eBay has been around since 1995. Users have the ability to rank other users for the ease of trade transactions. Probably the biggest garage sale on the internet. http://www.ebay.com/

Etsy: Buy and sell handmade items - a great source for crafters and home artisans of all medias. This site allows you to sell your talented pieces or purchase others for less than gallery prices. http://www.etsy.com/

JunkDepot: An online clearing house where you can list your items for sale. To list is $.99 per item and there is a 6 month limit to your posting. http://www.junkdepot.com/

Oodle Classifieds: An online classified search machine that searches 80,000 sources. You can also post your classified adds as well. http://www.oodle.com/

Sell.com: Another online classified site that allows you to list items for sale - a basic add is free and there are no transaction fees once an item sells. You can get a few more bells and whistles for a cost. http://www.sell.com/

Silkfair: Another online trade site that strives to make your life easier with fewer fees and an easy to use interface. A good alternative to check out if interested in selling or buying items online. http://www.silkfair.com/

SwapThing: This site allows for consumers to trade and barter items or services. There is also the option to do flat out sales. Unlike an auction site, you can barter privately and do not have to list items for auction. You enter what you want and it will match you with others who have it available. http://www.swapthing.com/home/index.jsp

The phrase "buyer's market" is used a lot in the news today. Frankly, it is one. The interest rates are encouraging, although not the lowest for 30 year loans, they are still low and make it a good time to buy. Also, there is quite a choice for buyers to choose from on the market. This only increases as we get into spring and summer. So how do you get your home for sale to stand out from the crowd? Set a realistic sale price. First, know the appraisal value of your home. If you don't, hire an appraiser. You need to know what the bank thinks your home is worth. Setting your price too high can break a sale at closing. Next, take a good look at the market around you. Compare yourself with like homes; homes that are the same age, similar square footage, comparable yards, and in similar neighborhoods. Then see which of these homes have been selling and which have been sitting. Consider how long you want to be on the market. Depending on your location, even a well priced home may take 60-90 days or longer in a buyer's market. Make sure to concentrate on here and now, do not get stuck looking at what your home might have sold for last summer or fall. Facing the reality of how much your home is worth on the current market will help you avoid reducing your price or offering incentives you would rather avoid. Know your competition. As stated above, make sure to compare yourself to like homes. Also, check to see what, if any, incentives comparable homes are offering. Tour some of the homes. Get an idea of what updates have been done. Take a look at how comparable homes are being staged or what they are lacking in their staging. Sometimes using a critical eye on homes you are not attached to can help you discover what potential buyers may be seeing in your home. Get an experienced realtor. Find a realtor who has been selling homes for a while. Especially with the recent fall in home sales for most of the nation, you want to make sure you get a realtor who will avoid knee jerk reactions to a market they haven't experienced before. A realtor who is familiar with your neighborhood and knows what buyers are looking for can help you prepare the house for sale. Stage your home for showing. Set your home up as a model home. Go to an open house at a new development or home and garden show in your area. Notice how there are tasteful decorations that offer the aesthetics without the personality? Take down family pictures, collectables, anything that tells about your personality. You are moving anyway, so get these items boxed up now. You want buyers to walk through your home seeing the home as one they can picture themselves in. You don't want the buyers to walk away thinking, "Wow, they really like Elvis!" Ramp up the curb appeal. Make sure to keep the yard and front walkway pristine. This is the first impression before a potential buyer walks in or even picks up that flyer. Your backyard should be cleaned up as well. Sometimes people forget that the outside of the home can say a lot about the owner. If you have a neglected yard, buyers may wonder if you are neglecting other problems inside your home as well. Fix or update problem areas now. The last thing you want is to get an offer and then have something come up in a home inspection that can break the deal! If you aren't sure, it is not uncommon for buyers to have their home inspected before placing it on the market. Unless you are pricing your home below value as a fixer-upper, then you need to get any repairs done before going to market. Be realistic, although a new kitchen may add to your home, most likely the cost of remodeling will not be recuperated in your selling price. Instead concentrate on items that either have to be done or you can do easily and at little cost to yourself. Offer incentives for buyers. Incentives can vary in scope. Perhaps the carpets are old but you don't want to get them replaced; you can offer a carpeting/flooring allowance. Perhaps you want to drive the buyers to close by offering to pay closing costs. You can pay for other buyer costs such as homeowners insurance, home appraisal or home inspection. In the case of a condo, you can offer to pay the first 6 or x months of homeowner dues. Another incentive that might help is being flexible on your move in date. Respond to offers and questions quickly. Don't let potential buyers sit wondering what happened to their offer. Get back to any offers or questions about the home as quickly as you can. This will include the help of your realtor as buyers will contact them first. Make sure your realtor is a good communicator and will respond quickly!

Welcome back to Rocky’s Corner! Last month we started Part 5 of an 8 part series of Preventive Maintenance Tips for your Home.

This month we will begin with Part A - tips for Spring. Every Spring-Part A

APPLIANCES:

• Vacuum coils under or behind refrigerators and freezers.

 AIR CONDITIONING UNITS: Central Air Conditioning

• Make sure the condensing unit located outside is not covered up with leaves, newspaper, etc.
• Change or clean the filters regularly.
• Be sure all access panels are secure, with all the screws in place.
• Set the thermostat in the cooling mode.
• Run your air conditioner for a few minutes now, before you need it.
• Schedule a maintenance call before it gets hot to have a technician check the following items:

1. Check for proper refrigerant (Freon) levels. A low level indicates a leak, to be found and repaired before adding Freon.
2. Check all electrical components and controls.
3. Clean evaporator and condenser coils, as needed.
4. Oil motors as needed.
5. Calibrate thermostat.
6. Check condenser for cracks.
7. Check filters.

AIR CONDITIONING UNITS: Evaporative Air Conditioning

• Clean unit; check belt tension and adjust if necessary; replace cracked or worn belt.
• Clean or replace air filter; clean condenser or evaporator coils and condensate drain; remove debris from outdoor portion of unit. AIR

CONDITIONING UNITS:  Wall and Window Air Conditioning

• Have your unit checked out to make sure it is working properly before you need it.
• Clean dirt, insects and debris from the grills and cooling fins.
• Replace dirty filters.

ATTIC:

• Make sure all your gable, soffit, and ridge vents are open to allow proper ventilation.
• Make sure insulation covers the entire attic floor; look into hiring a professional to add more to meet recently updated building codes and reduce future cooling and heating costs.
• Check to make sure your attic and/or whole house fans are working properly; consider installing attic or whole house fans.

CARBON MONOXIDE AND SMOKE DETECTORS:

• Change batteries and check to make sure they are operating properly.

CAULKING AND GROUT:

• Inspect caulking and grout around tubs, showers and sinks; considering replacing if necessary.

CLEAN CARPETING:

• Have your carpets cleaned regularly to remove the dirt and grit that can wear them out prematurely.

DOOR SILLS, WINDOW SILLS, AND THRESHOLDS:

Fill cracks, caulk edges, repaint; replace if necessary.

DRAIN-WASTE AND VENT SYSTEMS:

• Flush out system.

HEAT PUMP:

• Lubricate blower motor.
• If you didn’t have an annual check-up done last fall, schedule one now to have a certified professional to inspect the wiring, check belts (replace if needed), and oil the moving parts.

HOT WATER HEATING SYSTEM:

• Lubricate circulating pump and motor.

PEST CONTROL:

• Termites can cause thousands of dollars worth of property damage before the homeowner even realizes they have an infestation and other pests can threaten your family members and pets with bites and diseases
• Contact a pest control specialist for a free inspection and evaluation of your risk; and for hiring a regular service to keep your home free of all pests; including insects and rodents.

SCREENS FOR WINDOWS AND DOORS:

• Clean screening and repair or replace if necessary; tighten or repair any loose or damaged frames and repaint if necessary, replace broken, worn or missing hardware; tighten and lubricate hinges and closers.

WATER HEATER:

• Every six months you should turn off the power source and drain it completely until it is clear of sediment.
• Also inspect flue assembly (gas heater); check for leaks and corrosion.

ANTENNA:

• Check antenna and satellite dish supports for possible leak source.

BASEMENT AND FOUNDATION:

• Check grading for proper slope away from foundation wall. Inspect for cracks and moisture and repair if necessary.

DECKS, PORCHES AND EXTERIOR WOOD STRUCTURES:

• Check all decks, patios, porches, stairs and railing for loose members and deterioration, such as cracks, splintering, decay, and insect damage; treat wood, set nails and repair or replace rotted boards, as needed.
• If professionally cleaned, sealed and maintained, it should only be necessary to refinish and/or stain your wooden decks every two or three years.
• It is also necessary that surfaces be thoroughly cleaned and dried before adding another coat of stain or protective finish.
• Remove mold and mildew, fungus, tree sap, grease and bird droppings with the appropriate commercial deck cleaners (or homemade mixtures) and a stiff brushed broom.
• Clean mildew and fungus by mixing one cup of chlorine bleach per gallon of water; scrub and rinse well. Sodium bicarbonate works well to remove dirt, mildew and the weathered gray residue from sunlight degradation.
• Oxalic acid will remove metal stains around nails and dark tannin stains often found on redwood, cedar and oak.
• Use care and follow manufacturers’ directions when using these products, wear eye protection, long pants, long sleeves and gloves; cover surrounding vegetation with plastic and rinse well.

DRIVEWAY CRACKS:

• For asphalt, remove dirt and weed debris from cracks, spray with a high-pressure hose sprayer; treat with weed killer and patch with a special patching product.
• For concrete, the only alternative for cracked driveways and garage floors used to be removal and replacement, but these days there are overlayments that may be professionally applied to cover surface cracks as long as the concrete is still structurally sound.

Join me next month for Part 7 of our series on Preventive Maintenance Tips for your Home. Visit us at www.freminshomeimprovement.com

Winter brings many different holidays and celebrations. During these various festivities we host dinners or gatherings and may have many house guests. And so up go the decorations! Decorating your home can be fun. However, many times we are putting up items we may not be familiar with and have lost their various 'How to' booklets years ago. We are cramming our space with such fun, festive items that we may not think much about how to display these items safely. If you have children, pets, house guests, or crazy, exuberant relatives around the house this winter holiday season, you may want to consider some general safety tips. Even if you aren't hosting an event but will be using winter items, such as a fireplace, this article will have a few helpful tips for you. We know you are busy, and the last thing anyone wants to do when planning a party is to think about all the details! Thus, here is simple, quick safety checklist for your winter fun!

Below is our checklist of things to watch for during winter activities and holidays. The winter season is a time that safety should be considered. Just look at these facts and figures from the National Fire Protection Association: In 2002, there were 240 Christmas tree fires in U.S. homes, resulting in $11.4 million in direct property damage. During 2001, an estimated 18,000 home fires started by candles were reported to public fire departments. Fourteen percent of the candle fires occurred in December. This is almost twice the 8% monthly average. During 1999-2001, candles caused an estimated annual average of 16,300 home structure fires. These fires resulted in 140 civilian injuries and $289 million in direct property damage. In 11% of the December candle fires, the fires began when a decoration caught fire. This was true in only 3% of the fires during the rest of the year (Source: NFPA's One-Stop Data Shop). Please take a moment to review some safety tips. Then enjoy a safe holiday and winter!

SNOW!

• If you must be outside, wear plenty of layers of clothing. Don't over-exert yourself. Make sure you wear a hat, because the largest amount of body heat is lost through the top of the head.
• Sunscreen: the sun's rays can still cause sunburn in the winter, especially when they reflect off snow!
• If weather warnings suggest a severe wind chill or extremely low temperatures, consider avoiding outdoor activities until the weather improves.
• Ensure that each member of your household has a warm coat, gloves or mittens, hat, and water-resistant boots.
• The rule of thumb for older babies and young children is to dress them in one more layer of clothing than an adult would wear in the same conditions.
• Be aware of symptoms and treatment for hypothermia, snow blindness and frostbite.
  Hypothermia: Complaints about being cold and irritability. Uncontrollable shivering. Impaired or slurred speech or vision. Clumsy movements. Blurred vision. Severe symptoms can include stiff muscles, dark and puffy skin, irregular heart and breathing rates and unconsciousness.
  Snow Blindness: Eyes become sensitive to light. Pain in eyes or forehead. Gritty feeling in the eyes. Frostbite: Superficial frostbite that looks like gray or yellowish patches on the skin, especially, fingers, toes, face, ears but can occur on any exposed skin. The first symptoms are usually numbness or itching and prickly pain. The skin remains soft but becomes red and flaky after it thaws. Deep or Severe Frostbite looks like waxy and pale skin and feels cold, hard and solid to the touch. The areas turn blue or purple when thawing and large blisters may appear when the area warms up.
• Shoveling Snow: If you have a history of heart trouble, check with your doctor before grabbing that snow shovel and clearing the driveway or sidewalk. Don't shovel snow just after you eat. Don't smoke while shoveling. Pace yourself. Snow shoveling is a strenuous exercise that raises both your pulse and blood pressure. Treat shoveling like an athletic event: warm up before you start, and stretch during and after shoveling. Concentrate on using your legs instead of your back. Bend your legs and keep your back straight. Take breaks. And don't work until you are exhausted. If your chest feels tight, stop immediately.
• Teach children never to touch metal during cold temperatures.
• Children should never play on snow piles near parking lots or on the road side. Make sure children never go near snow plows or areas being plowed.
• Sledding: Keep sledders away from motor vehicles. Children should be supervised. Keep young children separated from older children. Sledding feet first or sitting up, instead of lying down head-first, may prevent head injuries. Use steerable sleds, not snow disks or inner tubes. Sleds should be structurally sound and free of sharp edges and splinters, and the steering mechanism should be well lubricated. Sled slopes should be free of obstructions like fire hydrants or fences, be covered in snow not ice, not be too steep (slope of less than 30º), and end with a flat runoff. Avoid sledding in overcrowded areas.
• Skiing/Snowboarding: Never ski or snowboard alone. Young children should always be supervised by an adult. Older children's need for adult supervision depends on their maturity and skill. If they are not with an adult, than they should at least be accompanied with a friend. Consider wearing a helmet. Equipment should fit. Skiers should wear safety bindings that are adjusted at least every year. Snowboarders should wear gloves with built-in wrist guards. Slopes should fit the ability and experience of the skier or snowboarder. Avoid overcrowded slopes.
• A winter storm WATCH means a winter storm is possible in your area. A winter storm WARNING means a winter storm is headed for your area. A blizzard WARNING means strong winds, blinding wind-driven snow, and dangerous wind chill are expected. Seek shelter immediately!

Travel

• When leaving for a long time: Make certain to get your mail held by the post office. Also get your paper stopped. Have a neighbor or family stop by and check your house once a day. Set timers on lights, indoor and outdoors. Make sure your outdoor sensor lights are in working order.
• If you have a security system make sure it is fully armed. Let anyone checking on your house know how to unarm and reset it if they will be entering your home. Check all windows to make certain they are locked. If traveling out of state, make certain to review weather reports and construction reports before starting your trip.
• Keep windows up and doors locked at all times.
• Keep a half a tank of fuel; this will prepare you in case you run into long holiday traffic or weather delays.
• Put together a winter-driving kit, including a pair of gloves, a warm hat, and a blanket.
• If a blizzard traps you in your car: Pull off the road, set hazard lights to flashing, and hang a distress flag from the radio aerial or window. Remain in your vehicle; rescuers are most likely to find you there. Conserve fuel, but run the engine and heater about ten minutes each hour to keep warm, cracking a downwind window slightly to prevent carbon monoxide poisoning. Exercise to maintain body heat but don't overexert. Huddle with other passengers and use your coat for a blanket. In extreme cold use road maps, seat covers, floor mats, newspapers or extra clothing for covering--anything to provide additional insulation and warmth. Turn on the inside dome light so rescue teams can see you at night, but be careful not to run the battery down. In remote areas, spread a large cloth over the snow to attract the attention of rescue planes. Do not set out on foot unless you see a building close by where you know you can take shelter. Once the blizzard is over, you may need to leave the car and proceed on foot. Follow the road if possible. If you need to walk across open country, use distant points as landmarks to help maintain your sense of direction. (Tips provided by FEMA)

Guests

• If visiting another home, keep in mind they may not have children and therefore may not have everything out of reach that should be. Always keep a close eye on children when visiting someone else's home. Even if it is a familiar home, their holiday decorations may have changed the landscape enough that it will be a whole new environment with potential hazards for children.
• If leaving children with a babysitter make sure they are prepared with all the needed numbers and contacts. Make sure sitters are aware of any holiday/special rules for the house; i.e. no running around the Christmas Tree.
• If guests will be smoking, provide them with large, deep ashtrays and check them frequently. Keep out of reach for children and pets.
• When attending a party, always designate a non-drinking driver.
• If you are the host of a holiday gathering, be sure there are non-alcoholic beverages available for guests who are driving. Stop serving alcohol well before the party is over. Bring out coffee, more alcohol-free drinks and more food.

Gifts

• Choose toys appropriate for age, ability and skill for children. Children under the age of 10 should only get electrical toys that use batteries rather than ones that plug into the wall.
• Read instructions for children's toys carefully before letting them run off and play.
• Government guidelines specify that toys for children under three years of age cannot have parts less than 1 1/4 inches in diameter and 2 1/4 inches long.
• Remove strings and ribbons from toys before given to young children.
• fter gifts are opened make sure wrapping paper is cleaned up as some bags may prove to be suffocating/chocking hazards.
• Make sure wrapping paper doesn't get too close to the fireplace.

Food Safety

• Thoroughly cook all meat products.
• Thaw meat in the refrigerator - not on the counter.
• Thoroughly wash all raw vegetables and fruits.
• Keep raw and cooked foods separate. Make sure to use different utensils when preparing them.
• Wash your hands frequently. If working with "little chefs" making holiday treats, make sure they wash their hands often as well.
• Unattended cooking is the leading cause of home fires in the U.S. When cooking for holiday visitors, remember to keep an eye on kitchen projects.
  If you are faced with a grease fire, remember, put a lid on it, and turn the heat source off!
• Foods that require refrigeration should never be left out more than two hours.
• Do not add new food to a serving dish that h0as been sitting at room temperature for more than two hours.
• Dry foods such as nuts, crackers, baked goods, breads, hard cheeses and candy don't support bacterial growth. Fruits, pickles, jams and jellies are too acidic for most bacteria.
• Clean up early after a party. Plates left out and around may have bad food that can make children sick or can become a chocking hazard.
• If you choose to make eggnog with whole eggs, heat the egg-milk mixture to at least 160°F. Refrigerate at once, dividing large amounts into shallow containers so that it cools quickly.
• Use ciders labeled as pasteurized, or bring unpasteurized cider to a boil before serving. This is especially important when serving cider to people with weakened immune systems.
• Use leftover turkey meat, bones, stuffing, gravy and other cooked dishes within two to three days.

Fireplace Safety

• Fireplaces should be cleaned annually, preferably by a professional chimney sweep.
• Keep fireplace screens/doors closed when fire is lit.
• Make sure to open the flue before lighting a fire :)
• Make sure no decorations are near the fireplace before lilting.
• Use only wood that is properly seasoned to reduce creosote build-up.
• Wrapping paper burns fast and intense. Do NOT use wrapping paper in the fireplace.
• Keep any fire starts out of the reach of children. These are often very dangerous if ingested.
• When burning artificial logs, burn only one at a time. They produce too much concentrated heat for some types of fireplaces.
• Don't use water to extinguish a fire. It can crack the bricks in your hearth. Let the fire burn itself out.
• If using portable/space heaters, keep them at least three feet from anything that can burn.

Decorations

• Decorations 

• Avoid sharp decorations where small children and pets may reach them.
• Do not get decorations that look like food or candy when small children are present.
• Get down on your hands and knees and examine your decorations before your pets do.
• If there is just too much mischief for them to get into make certain you can make the room off-limits. If using spun glass (angel hair) make sure to follow directions fully. Make certain it is out of the reach of children and pets.
• Keep holiday plants such as mistletoe, holly berries, and Christmas cactus away from children and pets. Poinsettias can make pets very sick.
• These materials should never be used for holiday decorations because they are inherently combustible: bamboo, cedar trees/branches, corn stalks/shucks, cotton or confetti (loose, in large quantities), dry moss/leaves, flammable powders/liquids, hay/straw (loose or baled), paper streamers (serpentine), plastic sheeting/pellets, sawdust, tumbleweeds, and wood bark/shavings.

• Candles

• Do not use candles on Christmas trees or evergreen trimmings.
• Use non-flamable holders and make sure they are placed where they cannot be knocked over easily.
• Do not keep candles lit in rooms that is not occupied/supervised.
• Check your candles as they burn. Some will burn unevenly and may finish sooner than you expected or break open drip streams of hot wax.
• Do not leave children unattended around candles and matches/lighters.

• Lights

• Turn off all lights before going to bed or leaving the home. It is an even better idea to turn lights off when they are in a room that is unattended.
• Whether new or old, always check your lights before hanging them anywhere. Check that bulbs are all working well and not cracked. Also looked for any damage to wires or socket connections.
• urn off lights before replacing bulbs or fuses.
• Do not put indoor lights under carpets or behind curtains. Make sure they are away from foot traffic and are not stepped on.
• Keep cords and lights away from small children and pets.
• Make sure to only use lights certified for outdoor use outside! If using lights from last year, make a habit of storing outdoor items together so if the labels are lost you still know which is which.
• String lights through hooks or insulated staples. Do not use nails and tacks.
• Outdoor lights should be plugged into circuits with ground fault circuit interrupters (GFI) to avoid shocks.
• Where lights are connected together outdoors, keep the connections dry by wrapping them with friction tape or plastic.
• Do not overload electrical outlets. Look for manufacturer's recommendation. General rule is no more than 3 strings of lights for each extension cord.
• Do NOT use electric lights on a metallic tree.
• When removing lights, never tug! Remove them as gently as they were strung up!

• Trees & Evergreen Trimmings

• If purchasing a live Christmas Tree, check to see that the tree is fresh. The tree should be green, the needles should not break off easily, you should have to pull the needles to remove them. When you tap the tree against the ground it shouldn't be shedding needles. Also, there will be resin visible on a fresh tree bottom.
• When you bring your tree home cut the bottom so that fresh wood is exposed. This will allow for better water absorption and keep the tree from drying too quickly. Also make certain to keep the tree stand basin filled with water; something that can be easy to forgot since it is not part of your normal routine!
• Choose a sturdy tree stand designed not to tip over.
• If purchasing an artificial tree look for one labeled "Fire Resistant." Note the resistant, artificial does not mean fire proof! Place your tree away from heat sources such as fireplace or space heaters.
• Don't place your tree in high traffic space. You don't want someone to trip and topple over the tree!
• Trim your tree with non-flamable decorations, such as tinsel or plastic ornaments. However, watch tinsel as cats like it, but it is not at all good for them! Be very careful if your pets have access to the tree that decorations are not tempting to them.
• Keep green trimmings away from heat sources. They are great for railings or doorways, but not good for table center pieces if there are candles there as well!
• Tree and trimmings should be removed as soon as able once the holiday season is over. You don't want a pile of dry evergreen sitting in a corner waiting to ignite!