Eco-Friendly Gift Ideas For The Holiday Season

Gift giving often comes with a lot of waste. A significant amount of this is the wrapping paper or gift bags, but the gifts themselves can also generate a lot of waste. Fortunately, there are ways to mitigate this without making your gift any less meaningful.

Your gift doesn’t have to be a physical object at all. Consider gifting an “experience” instead: for example, a day out at the theater to a show you know they’ll love, a pass for a museum, or dance lessons. Or, simply take time off work to be with them, or offer to help them so they can use their added free time as they wish.

For those who appreciate practicality or aren’t big on surprises, there are some additional options. Talk to your loved ones. Ask them what they want or need. It won’t be a surprise when they get it, but you’ll know it’s something they truly want. Plus, you don’t need to wrap it if they already know what it is. If your friends or family have bills piling up or a debt they’d like to be able to settle, just offer to pay it for them. But just in case they still like the gift giving nature of the holidays, try to purchase more sustainably. A good way to do this is to buy used or secondhand items. The stigma around secondhand items or regifting doesn’t really need to exist, especially if it’s something that you know the person who’s receiving it will appreciate.

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How To Conserve Heat In The Winter

Though much of California doesn’t experience temperatures below freezing, winter is noticeably cooler than the rest of the year even in the most temperate areas of the state. So regardless of where you live, you may want to conserve heat in the cooler months. The easiest and fastest way to do this is by turning on the heater, but it’s most certainly not the most energy efficient way. It’s also easy to combine multiple methods.

There are a couple of cheap and relatively easy options. One is to reseal your doors and windows. Over time, the caulk and weatherstripping around doors and windows may begin to degrade. This may seem like a minor issue, but even small cracks or holes can result in heat loss. Make sure to replace damaged weatherstripping or recaulk. The other is to purchase thermal curtains. Thermal curtains are not particularly expensive, and are effective at trapping heat inside. This is especially the case if you don’t have dual-pane windows.

Some options cost nothing at all. An option that many people never think of is to change the direction of ceiling fans. Many people with ceiling fans are aware that they can go both directions, but most don’t realize that a low-speed clockwise rotation will push warm air down from the ceiling to which it has naturally risen. Closing the doors in rooms that aren’t in use also helps, by reducing the space in which warm air is distributed. However, this is more effective if you are already using a heating system. The last option is passive solar heating. This refers to opening curtains during the day, when the sun is shining into the home and raising the ambient temperature, and closing them at night to trap the heat inside. Thermal curtains can certainly help with this, but any curtains will do.

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How To Decide On The Right Home Security Option For You

There’s a wide range of surveillance systems that can improve your home security. Not all of them will be the right fit for every situation or homeowner. There are lower cost and higher cost options, and some require more or less technical know-how. You also always have the option to hire a professional installer if you need help.

Besides simply not having any security at all, the lowest cost option is a fake security camera. These won’t record anything, but may act as a deterrent. They’re also easy to install. If you want some actual recorded evidence, but don’t want to spend too much, wired cameras are the way to go. It’s difficult to move them once they’re installed, and the wire is a liability, but they don’t cost as much as wireless security systems and you probably won’t need a professional to install them. Wireless security systems are more flexible, but will need a bit of technical savvy to make the most of their features.

There are also some options adapted to specific uses, as well as packages geared towards different levels of technical knowledge. Night-vision cameras use infrared to monitor conditions in low light, though the images will be in black and white. Some advanced cameras may have both daytime and night-vision modes. Covert cameras are mainly for indoor use, as they can be hidden inside the home to keep an eye on the situation while you are away. These can be useful if you have a babysitter or housekeeper. If you don’t have much knowledge of security cameras, there are plug-and-play home surveillance camera kits you can purchase that have everything you need to get started along with an instruction manual, and are available for both wired and wireless systems. For those with some more expertise, there are advanced products available, such as quad processors that allow you to network camera systems, remote monitoring tools, DVR recorders, and other accessories.

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Six Important Things To Look For When Viewing A Home

When viewing a potential new home, it’s important to look past the surface and spot any hidden issues to make an informed decision. Here are six key things to keep an eye on.

Prioritize the things you can’t change easily. It’s easy to be distracted by the current residents’ taste in decor, but focus on the layout, light and space instead. Remember, you can change paint colors and furniture, but structural elements are much harder to fix.

Check for water damage. Look closely at ceilings and walls and under sinks for any signs of water damage, such as stains, peeling paint or black mold. These can indicate leaks, plumbing issues or damp problems that could lead to costly repairs later.

Inspect for cracks. Small hairline cracks can be harmless, but larger or zigzagging cracks could signal serious structural problems. Check around windows, doors and the foundation for any significant damage.

Test the windows. Make sure windows open and close smoothly and check for drafts, condensation or fog between double panes. Poor window conditions can lead to energy inefficiency and higher heating bills.

Sniff out strange smells. Unusual smells, such as mustiness or sewage, can indicate hidden problems such as mold or drainage issues. Be sure to ask about any odors that seem off.

Assess storage space. Don’t forget to evaluate the storage available. Open closets, check for attic or basement access, and ensure there’s enough space for your belongings.

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Take Full Advantage of Open Houses

If you’re looking to buy a new home, open houses can provide you with many opportunities to make your new-home hunt more fruitful. You can learn about the sellers, the neighborhood and the details of the home. If you’re able to, try to time your visit for when there are very few lookers roaming through the house. In a hot market, an open house may be the only time to see a property.

Any time you’re going to an open house, you’re looking at the home. You should also be learning, though, not just looking. Walking through a home will help determine what amenities you can afford at a certain price. You can make market comparisons by visiting several open houses.

Don’t just pay attention to the home itself. Be tuned in to the conversations of other visitors, and you will benefit from the insight of others about the home and the neighborhood. If you can get one-on-one time with the listing agent, find out all you can about the seller and the motivation behind selling the house.

The home’s surroundings are also important. Get to know a prospective neighborhood by taking a walk through it. You will be able to see the pride of ownership, learn the traffic patterns and find out more from meeting some of the neighbors.

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Risks And Regulations Concerning Lead Poisoning

One may think that with advances in infrastructure and healthcare, lead poisoning is a thing of the past. That’s not quite true, especially given the potential age of some homes. Lead-based paint was quite popular prior to 1978, and may still be present in homes built before then. That was less than fifty years ago, and homes can last quite some time, so there are still a lot of homes built before 1978.

That’s why there are regulations in place. Federal law mandates three specific actions when selling a home built before 1978. One is disclosure obligations. The seller must provide any information they are aware of regarding the use of lead-based paint in their home, including any test result and abatement efforts. The second is a required form in the contract that outlines information about lead-based paint. Finally, buyers will have up to ten days to conduct a lead inspection or risk assessment. In anything is found, this will be necessary for their repair or mitigation negotiations.

You may also be wondering what exactly lead poisoning looks like. The symptoms can differ between children and adults, and are much more severe for children. In either case, they occur due to exposure over a period of months or years. In children, lead poisoning can affect brain development, leading to slowed growth, learning disabilities, or behavioral issues. It can also cause hearing problems. In adults, lead poisoning can result in high blood pressure, muscle and joint pain, digestive issues, and problems with memory or concentration.

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What To Bring On Closing Day

The most important part of purchasing a home is closing day, when the official transfer of ownership takes place. If you are prepared, it should go smoothly. However, one missing document means a failed or postponed closing, so review your closing documents ahead of time. Closing day will involve executing the paperwork, paying any required fees, and ultimately getting the keys to your new home. Plan on having your ID, evidence of homeowner’s insurance and your closing cost funds. If you are not sure about anything, ask your agent or make a call to the closing office.

There are also a few things you should make sure to do ahead of time that don’t involve bringing a physical object. Confirm the closing fees before you arrive, and have any questions for your lender answered. Prior to the closing meeting, review the seller’s responsibilities and make sure they have been satisfied. Your agent can provide you with the final completion documentation for any seller obligations. If you pay attention to these details and all is in order, you should be able to walk away with keys in hand.

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How To Make Your Home Presentable On A Time Constraint

Whether it’s for guests, a house viewing or anything else, when you’re short on time and need to get your home looking presentable quickly, it’s all about prioritizing and simplifying. This is even easier if there are other people to assist you, and you are able to delegate tasks.

Prioritize high-traffic areas. This includes the living room, kitchen, and entryway, but most importantly, the bathroom. It’s often the most frequently used room by guests and the most off-putting when dirty, so it’s a top priority. Wipe down the sink, faucet and countertops and scrub the toilet. Replace the hand towel with a fresh one and empty the trash if needed. If you’re really short on time, use disinfectant wipes for speed. Unless you’re showing your home, there are probably rooms your guests won’t enter, such as bedrooms or home offices. If you don’t have time to clean them, just close the doors.

The next thing to do is remove clutter. A cluttered floor and tables makes any room feel messy. Even if you have an organization scheme in place, your guests don’t need to see all your personal items. Grab a basket and collect any things out in the open so they can be temporarily stored out of the way. This can be any number of unrelated things, such as toys, shoes, or paperwork, as long as they’re safely out of the way. You can deal with sorting it later.

There’s another way to quickly make your home feel more inviting that doesn’t involve cleaning at all. Light a candle or spray a fresh scent. It only takes a minute and creates a more welcoming atmosphere.

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Negotiation Tips For Any Situation

As with any sort of business deal, buying or selling a home involves a lot of negotiation. Fortunately, there are techniques to aid in negotiation that apply not just to real estate or business, but nearly any situation, even simple discussions among friends. It even comes with a handy mnemonic: Negotiation expert Jacqueline Twillie has coined the acronym L.A.T.T.E. to help with all your negotiating needs.

L: Look at the details. Making sure you’re fully informed about every detail and potential outcome will help you to decide what decisions you can make.

A: Anticipate the challenges. It’s probably a given that you’ll receive some pushback or have some hurdles to overcome during the conversation. Make sure you’re ready for the kind of questions or resistance you might face while negotiating and have your responses prepared.

T: Think about what you want to walk away with. Be clear in your mind about what you actually want from the negotiation, what you are prepared to be flexible on and which parts of your desired outcome are not up for negotiation. Also, be sure to consider what the other party wants from the conversation for a stronger approach.

T: Talk it through! Practicing talking through your points out loud will help you be confident and collected when it comes to the real thing. You may even find that hearing your points out loud helps you identify where your tone or approach might need to change.

E: Evaluate your options. Before making a final decision, give yourself time to review the outcomes you’ve been offered from the negotiations to make sure it’s what’s best for you.

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Why Is California So Much More Expensive Than Most Of The US?

California has always been an expensive place to live, and it’s only getting more and more expensive. The median home price is about 2.5 times higher than the national average, and 11 times the median income. Of course, prices are trending upwards across the nation. Appreciation over time is normal, and has accelerated in the wake of the 2020 pandemic. But these things affect everyone — so why is California specifically so much more expensive?

It’s not just as simple as having higher desirability, although that is certainly the case. The primary issue is a lack of affordable housing. There are multiple reasons for this. California may be the third largest state by area, but it also has the highest population of any state. It’s not among the densest, but it is rather sprawling. There’s just not a lot of open land to build on, particularly land that fits all the various zoning restrictions that are in dire need of updating. However, updating zoning laws is getting pushback from residents. Construction costs are also up. While construction companies typically would rather build multifamily residences, they have to build what’s in demand — which is mainly single-family residences.

In addition, because purchasing a home is so expensive, landlords are better served continuing to rent out their homes and units rather than attempting to sell, even though selling would decrease home prices. This is exacerbated by property tax laws in California. Prop 13 limits the rate at which property taxes can increase until a property exchanges ownership. Therefore, people who have owned a home for a long time can pay very little in property taxes, reducing the likelihood of any sort of market activity.

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More: https://calmatters.org/explainers/housing-costs-high-california/

Don’t Panic If An Inspection Finds Mold

Prospective homebuyers are prone to backing out immediately if the home inspection uncovers mold. This is usually a hasty response. Some level of mold is, in fact, quite common in homes. Of course, that doesn’t mean you should simply ignore it, but there’s also no need to panic.

Feel free to ask the inspector questions about the mold they found. You’ll want to know how severe the issue is and what the root cause of it is. If the issue is minor, you may even be able to fix it yourself — however, you’ll want to make sure of that beforehand, since mold can hide in places that aren’t visible.

Also, keep in mind that the inspector is neither a mold testing service nor a mold removal service. And yes, these are different things — while a mold removal service often will test for mold, there’s a potential conflict of interest if the same company is both testing for and removing it. If you think you’ll need professionals to deal with the problem, do your research. You’ll also want to know whether your homeowner’s insurance covers mold removal and associated repairs, as policies can differ.

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Why You May Want To Sell Your Home In The Fall

There isn’t necessarily an ideal time to sell your home, but there are definitely seasonal trends. Home sales are generally highest in spring and lowest in winter. There are several reasons for this, but there are also two seasons that are neither spring nor winter — summer and fall — and they also have advantages and disadvantages. So, why might you choose fall?

From a pragmatic standpoint, there isn’t a lot of competition in the fall, but there’s still some demand. Many sellers wait until spring, assuming that because that’s when most people buy, it’s the ideal time to sell. However, this results in an abundance of available properties, making it harder for any single home to stand out. In contrast, fall’s quieter marketplace means your home has a better chance of catching buyers’ attention. At the same time, it’s not winter, when many buyers aren’t looking to buy at all. Of course, there’s less of a difference in California where much of the state doesn’t have freezing temperatures. This isn’t limited to buyers and sellers, either — the entire industry runs at a more comfortable pace. Lenders, real estate agents, lawyers, surveyors and appraisers all tend to have less work during the fall, meaning the process can happen much quicker and more smoothly than in the busy spring and summer months.

Secondly, the cozy ambiance of fall can really enhance your home’s appeal. First impressions are important, and many people perceive fall to have a natural beauty, with its colorful leaves. Typical fall decorations, such as pumpkins and scented candles, can also feel warm and inviting. Moreover, cooler temperatures make house hunting more pleasant, encouraging potential buyers to attend open houses and viewings — though in California, this is more typical of the latter half of fall, as heat waves are not uncommon in September. All of these elements can create a strong emotional connection for potential buyers.

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How To Deal With Low Offers

If you’re selling your home, you need to be prepared to potentially receive offers below asking price. That’s just the way negotiations work. It’s important to examine the offers objectively, without getting offended, and understand why a prospective buyer might offer what appears to be a low amount. The reason could differ from person to person, and knowing what the buyer is thinking is important for understanding how to respond to the offer.

Obviously, you can’t read the buyer’s mind, but you can talk to your agent. Your agent may have insights into market conditions or particular wording in the offer, and can also speak to the buyer’s agent. It’s possible that your home is overpriced. This doesn’t necessarily mean that someone made a mistake in valuing your home — sometimes a home is actually worth more than surrounding homes, but is at a price point that isn’t appealing to people looking in that area. This could require compromise. It’s also possible the buyer is simply leveraging the nature of negotiations, expecting you’ll counter higher than their offer, but below your initial asking price. Another possibility is that the buyer is well-qualified up to a certain amount, and is hoping for a quick and uncomplicated transaction. If, however, the offer is egregiously low and the buyer is not willing to compromise, it’s probably best to forget about it.

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Stainless Steel Appliances Are In

When you’re trying to remodel your home to sell it, the best way to get ahead of the curve is to focus on the kitchen. Kitchen remodels can be very expensive, but that’s because they’re also very valuable. Even if you do nothing else, a well-done kitchen remodel can be highly cost effective, even if the cost is high. That means staying up to date on the current trends in the kitchen.

Right now, that’s stainless steel. Stainless steel is durable and easy to clean, and at least right now, considered aesthetically appealing. While some go as far as to include stainless steel countertops and cabinets, you don’t need to go that crazy. Stainless steel everything can feel cold and industrial, but you can balance that with marble countertops, traditional wood cabinets, or even just splashes of color. You could also pick between large or small appliances, and make one of those categories stainless steel; either one has the same effect.

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Negotiating Repairs Or Credits

As a prospective buyer, if you see something about a property you’d want to fix or replace, you’ll probably want to negotiate repairs or credits with the seller. The question is whether you want the seller to manage the repairs or you to manage the repairs. Neither choice is inherently better or worse, but certain circumstances or goals may cause you to opt for one or the other.

When buyers opt to negotiate repairs, the primary reason is that they simply don’t want to deal with it, and would prefer for it to already be finished by the time they move in. This is certainly a valid reason, but there may actually be a more important one. Many — though not all — loans require the property to meet a minimum standard of condition, and if the property falls short, you’ll need the repairs to be done before the sale is finalized if you don’t want the loan to be rejected. You should check your loan requirements before making a decision.

The most common reason for asking the seller for credit is that the changes the buyer wants are either minor or subjective. Minor repairs will still take time and delay the sale process if the buyer asks for the seller to take care of them. Repainting or choosing colors or materials are updates that require the new owner’s oversight, so it doesn’t make sense to put it in the hands of the seller. If your loan will allow it, you may even want credit for major repairs. This could be because you want more agency in the process, you have the skill to repair it yourself, or you’re on a time constraint and don’t want to delay the sale.

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How To Deal With Summer Pests

For many people, summer is supposed to be the ideal time to relax. Unfortunately, summer also comes with a few annoyances — namely, pests and overbearing heat. Fortunately, if they’re dealt with effectively, you can still enjoy your summer.

Different types of bugs have different living conditions. That can make it hard to cover for every single type, but it becomes easier if you know why they’re coming. Dealing with fruit flies and dust mites can be made easier by simply cleaning, but there are also more specific things you can do. Fruit flies are attracted to overripe fruits, and dust mites like high humidity. There’s also a trick for mosquitoes — they can’t fly well in windy weather, so you can use fans as a substitute to deter them.

As for the stifling heat, it may be that some rooms are hotter than others. In fact, this is probably the case even if your AC isn’t on — but it’s especially the case if your AC is on and there’s a problem with it. Your ducts may not be properly sealed, or the fan may not be working right. If applicable, direct more cool air to upstairs areas, since the heat rises. The heat can also cause issues for doors, as heat and humidity can cause wood to expand. This could make your doors stick or jam. You may need to adjust weather stripping, or possibly even shave the door down.

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What Type Of Roof Is Best For You?

Obviously, a roof is a very important thing to have. After all, the term “a roof over your head” is often used to represent the entire house. But most people only consider whether or not their roof is in good condition. They don’t think about what kind of roof best suits their needs.

Different roofing materials have different advantages. Which is right for you depends which factors are most important to you. Are you looking for something durable that will last a long time? Try metal or slate roofing. Metal roofing is increasing in popularity due to its longevity and customizability options, but slate roofs do last a fair bit longer, and are still considered visually appealing despite a lack of color options. Do you just want the most cost-effective option? Look no further than asphalt shingles, which are one of the cheapest roofing materials and can be replaced individually if damaged, rather than replacing the entire roof. Perhaps you’re into energy efficiency and eco-friendliness? Wood shingles and shakes can be sustainably sourced and have natural insulation, and tile roofs are energy efficient as well, while also resisting weather conditions, fire, rot, and insects and coming in a variety of colors and patterns.

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Which Factors Most Influence Home Values?

There are a significant number of factors that could potentially affect what your home is worth. It can sometimes be hard to pinpoint exactly how much buyers are likely to be willing to pay, even for experts. This is especially true in a changing economic climate. However, there are a few factors that can give a pretty good idea of a home’s value.

The first thing an agent will look at to determine a home’s value is recent sales of similar properties in the same or a similar area. This is called a comparative market analysis (CMA), and is the primary method of predicting home values. Unless the economy is particularly unstable, a home similar to yours in a similar area that sold recently probably sold for approximately as much as your home is worth. Looking at currently listed properties can help, but it’s looking at actual sales that is more valuable, because you know at least one buyer definitely was willing to pay that much, otherwise the sale would not have happened.

The reason CMAs look at specifically the same or similar areas is that prices vary extremely widely by neighborhood. Schools, shopping centers, public transportation and recreational facilities can significantly enhance a home’s desirability. On the other hand, high crime rates or noise pollution may detract from a property’s appeal. And it’s important to note that a similar area doesn’t necessarily mean a nearby area. Neighboring communities could be vastly different from one another, but there could be another neighborhood a bit farther away that has more features in common.

But the research isn’t done as soon as a CMA is complete. It may be difficult to find exact matches for your property, particularly when the market is slow. Granted, if you live in tract housing, this can be slightly easier — but only if other properties in the same tract have been sold recently. To combat this, agents adjust the value to account for differences between the comparative properties and your own property. This can include age of the property, condition, and upgrades, as well as property size, lot size, and features.

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New California Law Reduces Security Deposits

Much of the consideration for renting over buying comes from the lower initial cost. However, with quickly rising rents and increasing access to financial assistance especially for first-time homebuyers, that gap is closing somewhat. AB 12, which went into effect at the beginning of July, seeks to lessen the upfront cost burden on renters.

Under AB 12, no landlord can charge a security deposit greater than two months’ rent, and in some cases, it’s limited to one month’s rent. The one month limit applies to landlords who own either more than two rental properties or more than four units, as well as when the tenant is a military service member. In all other cases, the limit is two months. Unlike prior law, whether the unit is furnished or not is not taken into account.

What remains to be seen is how easily this law can be enforced, particularly whether landlords adhere to the one month or two month limit. Previously, the difference was whether the unit was furnished or not, something that could be easily confirmed or denied. However, landlords are under no obligation to reveal to tenants how many properties or units they own in total. Moreover, since a landlord can refer to either a person or a limited liability corporation, it’s possible to put properties managed by the same landlord under different names. There may be protections in place for tenants who discover a landlord attempting to sneak by this rule, but they may have a hard time proving it.

More: https://www.ocregister.com/2024/07/01/rental-security-deposits-in-california-cut-substantially-under-new-law/

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How To Prepare For Moving Day

You may think that if you hire movers to do your moving for you, you can just sit back and relax while they take care of everything. Unfortunately, that’s not the case. Even if you choose to make your next move with professional movers, there will still be plenty to do on moving day while the professionals do the heavy lifting.

Some of the work can and should be done ahead of time, but you still need to make sure it’s settled by moving day. This includes making a plan for kids or pets, establishing where the movers should park, and ensuring the movers have access to everywhere they will need to reach. You may also want to set aside some items that you intend to transport yourself, whether it’s because you don’t want them to break, you don’t want them stolen, or you simply want to retain access to them during the moving process.

You can’t rest when the moving process begins, either. It’s true that you don’t want to get in the way of the movers doing their job. And obviously, the best way to get out of the movers’ way is to simply not be there. But you also need to be available in case of questions or concerns. Not to mention that you probably want to keep an eye on the movers in case they do something shady, or just innocently misinterpret your instructions.

There are also tasks to complete after the movers are finished. First of all, make sure they took everything they were meant to take, and didn’t take things you intended to leave behind. Do a thorough check for small personal items that could be overlooked or fall on the floor. The property should also be cleaned after the movers finish, whether you do the cleaning yourself or schedule professionals.

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