In General on May 20, 2013 at 8:19 am
The benefits of regularly changing the heating and air-conditioning filters are obvious to homeowners; the real challenge is creating a system to make sure it gets done.
A reasonable schedule would be to replace it with a new one-inch pleated filter every 60-90 days. Households with shedding pets should consider replacing them every month. Some people change their filters every month when they pay their electric bills. A simple system would be to set a recurring appointment on your calendar like Outlook or Google.
Filters trap dust, mold and bacteria which can directly affect the air quality and play havoc with your allergies. When a filter is dirty, it prevents proper airflow and allows dust, dirt and allergens to blow through your home. Changing your filter regularly helps to avoid maintenance, improves equipment life and produces increased energy savings.
When shopping for filters, it’s understandable to look for the best bargain but the cheapest price may not be the best choice. When purchasing, recognize that HEPA-rated and HEPA-type filters are not the same thing. HEPA stands for high-efficiency particulate air. A HEPA filter meets or exceeds standards for efficiency set by the U.S. Department of Energy. Most HVAC contractors recommend HEPA filters.
Some filters need to be changed monthly and other types have manufacturer recommendations of every three months. An alternative to disposable filters are the permanent, washable types. These will cost more initially but because you can clean them and re-use them, eventually, you’ll recapture the cost and realize savings.
In Investors, Finance, All Articles on May 16, 2013 at 3:58 pm
Real estate and investment – What are your options?
Real estate is not that tough a field for you to invest your money, this is because, you can simply start off with renting out the parts of the home you live in. so, there’s no doubt that real estate investment is quite a popular investment option, for you to invest your money and therefore generate some extra income. Other than renting out property, if you have become more confident on the investment options, you can try out the other ways too.
Different investment options
Some of the most common options through which you may be able to invest your money within the real estate market and then let it grow are:
Real estate investment trust or the REIT – You will be required to become the member of the corporation, with regards to the real estate business. This trust involves the trading of the major exchanges and the properties acquirement is done mainly with your money. It helps you in generating a regular income, and it also becomes easier for you to get the required exposure, with regards to those of the non-residential buildings too.
Investment groups – These are more like investing your money within the mutual fund, where you are actually required to become a member of the investor groups. You thus, will be required to let out single or even the multiple units, to the management company, which you owe. The company then is going to acquire your property and maintain it too, other than renting these out.
Trading – You can simply buy and resell properties within little time span. This also is known as ‘flipping’. You would not be required to spend any money in order to develop the real estate property. However, as this basically involves quite a large amount of money, this can even result in huge loss.
So, you can see that there are various options through which you may be able to invest within the real estate market.
However, before investing in the real estate market, you will also have to consider the different pros and cons which are associated with it. These are:
Pros associated with real estate investment:
Cons associated with real estate investment:
So, based on these factors, you will be required to decide which way you are going to invest your money in the real estate market.
Shane Parker, Guest Blogger for The Real Estate Savvy
Shane is a financial writer,he has also made notable contributions through various articles written on different subjects related to the real estate industry.This article is about the importance of Real estate and investment.
In General on May 13, 2013 at 8:31 am
One of the most common reasons buyers want to deal directly with the seller is because they feel they can save the commission. It’s a valid consideration but interestingly, it’s the same reason the seller isn’t employing an agent.
Both parties cannot save the commission. The buyer feels they have earned it because they’ve had to find the home, determine its value and negotiate with the seller. They had to arrange their own financing, title and inspections.
The seller equally feels that they have earned the commission because they too have had to research value, financing and title work. They have incurred all of the marketing expenses and have invested hours upon hours to be available to show the property, hold open houses and answer inquiries.
There is certainly value in all of the things that buyers and sellers are willing to do. However, only one person can save the commission assuming the buyer and seller can reach a written agreement.
The Profile of Home Buyers and Sellers survey reports that 14% of sales were For-Sale-by-Owners in 2003 and 2004 compared to just 9% in 2012. The trend shows that agent-assisted sales rose to 88% in 2012 from 82% in 2004.
The three most difficult tasks identified by for-sale-by-owners is attracting potential buyers, getting the price right and understanding and performing the paperwork. When surveyed, sellers most value the home selling in an anticipated time frame and for an expected amount.
Experienced, third-party advocates helping buyers and sellers is a valuable contribution to the transaction which may determine whose commission it is.