The average American uses between 80 and 100 gallons of water per day. Not surprisingly, cutting back on your water consumption is necessary for the environment and it will save you money. With the lack of rain last winter we are feeling the “D” problem and it is important to save water. The Sonoma County Water Agency is a great resource for rebates and Conservation tips. The experts at www.earth911.org, an environmental resource network, have some tips to decrease your water usage so you don’t get soaked by your water and energy bills.
Indoors
The bathroom consumes the most water in the house, and a leaky toilet is often the culprit. To determine if you have a leak, drop some food coloring into the toilet tank. If that color appears in the bowl, you have a leak. Check for worn-out, corroded or bent parts. If your toilet handle frequently sticks in the flush position and the water is constantly running, replace or adjust the handle. And if your toilet is already in good working order, you can still conserve water by avoiding unnecessary flushing. Dispose of tissues and similar waste in the wastebasket instead.
To reduce water consumption even more, consider purchasing some of the low-flow products and attachments at your local hardware store. A low-flow model toilet can reduce your indoor water usage up to 20 percent, while an ultra low-flow shower head can save up to 2.5 gallons of water per minute.
Outdoors
Be careful not to over-water your lawn. Generally, lawns only need watering every five to seven days, and a heavy rainstorm might mean that you don’t need to water for a couple of weeks. Try to water during the early morning hours, which reduces evaporation. Micro or drip sprinklers and soaker hoses are the most water-efficient systems to use.
Have a great day!
Mirjam de Rijk
If you’re planning to sell your home, you should hear your REALTOR® suggest staging, which helps to set the scene in your home, making it more appealing to buyers through renovation or redecoration. It can help make your abode more appealing by allowing prospective buyers to envision themselves living there.
With proper staging, something as simple as painting your walls can go a long way towards selling your home faster and for the best possible price. According to a 2006 study by Accredited Staging Professionals, homes listed for sale without being staged lasted, on average, 163 days on the market. Staged homes averaged only 8 to 13 days on the market.
Staging costs vary depending the scope of the project. Some staging techniques, like rearranging furniture or simplifying the décor, are free. Other projects, such as installing granite countertops or new kitchen appliances, can be costly but might help boost your home’s appeal. Costs also differ depending on where you live. According to Barb Schwartz, author of “Home Staging: The Winning Way to Sell Your House For More Money,” the cost of staging a home on the West coast averages $2,800, compared to $1,800 in the Midwest and approximately $3,800 on the East coast.
Don’t let these numbers deter you from the idea of staging, most of the time staging is as much as cleaning out your clutter and start packing the things you won’t need for a while and need to move anyway. There are many reasons to stage your home. For a complementary staging service and a specific plan for your home, call or text me!
Mirjam de Rijk
Mirjam@C21Alliance.com
707-486-2638
When we read about the latest news sometimes we forget the real toll that the mortgage debacle is impact…Pls see from Reuters (www.reuters.com)
Financial job cuts soar on housing woes
Tuesday August 21, 3:34 pm ET
By Jonathan Stempel
NEW YORK (Reuters) – A deepening U.S. housing slump has caused an alarming surge in job losses at U.S. financial services companies, and the end is nowhere in sight, consulting firm Challenger, Gray & Christmas Inc. said on Tuesday.
The industry has announced 87,962 job cuts so far this year, 75 percent more than the 50,327 recorded for all of 2006, Challenger said. Nearly one-fourth of this year’s cuts have been announced in August alone.
Of this year’s cuts, 35,830, or 41 percent, were tied to housing market troubles, including riskier subprime mortgages. Job cuts by real estate and construction firms totaled 21,620, more than twice the number for all of 2006, Challenger said.
“Many companies expected the mortgage situation to implode; they’ve just been wondering when the bubble would burst,” Chief Executive John Challenger said in an interview. “But many are stopping on a dime, shutting down operations.
“Companies are not surprised by what’s happening, but the reality of the situation and the speed with which it occurred is shocking,” Challenger added. He said it could be months before housing-related job cuts peak.
In the last week, investment bank Bear Stearns Cos, credit card issuer Capital One Financial Corp and mortgage lenders Countrywide Financial Corp and First Magnus Financial Corp announced 8,640 mortgage-related job cuts, Challenger said.
Another 2,400 cuts were announced by SunTrust Banks Inc as part of the bank’s existing cost-cutting program.
Many companies exposed to the housing market have struggled with rising delinquencies and foreclosures as mortgage rates have reset higher and housing price appreciation has slowed.
Meanwhile, credit conditions have tightened as investors have grown unwilling to buy home loans once thought safe, starving many lenders of cash they need to operate normally. Dozens of mortgage lenders have quit the industry this year.
April has been the year’s busiest month for financial job cuts, Challenger said. That month, companies announced 33,789 cuts, including 17,000 by Citigroup Inc and 3,200 by bankrupt mortgage lender New Century Financial Corp.
Job cuts are mounting as credit losses widen.
On Tuesday, the government’s Office of Thrift Supervision said troubled assets, or loans at least 90 days past due, rose at savings and loans it regulates to $14.2 billion in the second quarter from $9.5 billion a year earlier.
Meanwhile, home foreclosure filings in July surged 93 percent from a year earlier and rose 9 percent from June, to 179,599, according to a Tuesday report by research firm RealtyTrac.
John Challenger said it’s understandable for mortgage workers to feel whipsawed. Countrywide, for example, cut 500 jobs last week after having added 6,931 jobs from January to July, with increases in every calendar month.
“It’s devastating (for morale),” he said. “It’s hard to keep morale up, given the boom-bust nature of the mortgage sector.”
(Additional reporting by John Poirier and Patrick Rucker in Washington, D.C.)
So do we find any light at the end of this tunnel? Interesting news from MBA
How FHA Could Help Homeowners
Wall Street Journal (08/22/07) P. A4; Solomon, Deborah
Officials from HUD and the Treasury Department are collaborating to determine how the Federal Housing Administration can help cash-strapped mortgage borrowers avoid foreclosure, a plan that likely will involve the agency refinancing the loans of homeowners who have not yet missed mortgage payments but who probably will encounter problems once rates on their adjustable-rate mortgages rise. Approximately 120,000 refinances will be handled by the agency this year, but FHA officials believe twice as many refinances are possible if Congress passes legislation to modernize the loan program. Lawmakers are considering a hike in the FHA loan limit to upwards of $417,000 in pricey markets–which would help borrowers in California, New York and other expensive states–plus a repeal of the 3-percent down payment requirement and implementation of risk-based insurance premiums. However, Sen. Richard Shelby, R-Ala., could complicate efforts to pass the bill, as he has voiced concerns about the impact of such changes on taxpayers.
Let’s hope that we see some relief for those homeowners that are worried about their futures.
Denise