Author: Kathleen Driscoll

Hello I’m Kathleen Driscoll Broker Owner of Driscoll Realty LLC in Downtown Hamilton, Mt. I have been in Real Estate and Mortgage banking for 30 plus years, I traveled as a military wife for over 20 years, which has given me a great insight into the buying and selling of homes. I'm a 4th generation Montana native, having been raised here in the Hamilton area. I served as a past Ravalli County Commissioner. I dealt with land use, Roads, Bridges, Wells, Septic’s along with Subdivision laws and requirements. Adding to my expertise.

If you want someone who can walk you through the process or buying or selling a home I have a great background & knowledge. Plus I just love people and places to explore. Let me know how I can help you feel more comfortable in finding that home or investment property you've been looking for. The process can be challenging, so let me help make easier for you.

Why Home Buyers Should Hire a Professional

Written by Blanche Evans on Thursday, 20 August 2015

Getting a purchase closed in today’s market is complex. The real estate market has changed greatly from only a few years ago. Buyers face many more hurdles including stricter financing, low housing supplies, higher mortgage rates, and rising prices.

To negotiate today’s challenges, you need a real estate sales professional to help you close the deal. A good real estate professional understands current market conditions. He or she has house-by-house neighborhood experience and can help you obtain the right home at the best price and terms.

Your agent can help you find a home quickly. Not only do real estate agents have access to the local multiple listing service, they also share knowledge of homes coming onto the market with their colleagues. Your real estate professional will tell others about your requirements for a home so they can also be on the lookout for you.

In fact, networking is one of the biggest industry advantages. Many homes are bought and sold without a sign ever going into the yard. But, for buyers to be shown the latest homes on the market, or to hear about homes about to come onto the market, there has to be a strong relationship between the buyer and the real estate professional.

If you want to be the buyer positioned to make first and best offers on the most desirable homes, make certain your agent knows you are committed. How do you show you’re serious? There are several ways.

Get prequalified with a lender. Share your financial records so you know exactly how much home you can buy. Your agent won’t go over your limit because it would be a waste of time to show you homes you can’t afford to buy.

Work with only one agent. You can do this by signing a buyer’s representation agreement, if it’s customary in your area. If not, show your loyalty by telling other agents you may meet at open houses or socially that you are represented and give them your agent’s name.

Don’t shop for homes without your agent. If you want to look at open houses or builder homes, invite your agent to go along. If your agent can’t go, make sure you register your agent’s name with builder sales reps and open house sellers’ agents.

Be loyal. Real estate professionals work primarily on commission. If the deal of the century is about to come on the market, who do you think your agent will tell first – the buyer with five other agents or the buyer who is loyal? If you’re playing agents against each other thinking you’ll get people to work for free and that you’ll have your pick of homes to choose, you’re wrong. Agents talk, and they’ll find out they’re working for the same buyer. If you want great service, show appreciation, confidence, and commitment.

Once you find the house you want, the work really begins. You’ll have to navigate negotiations, loan approval, seller’s disclosures, inspections with environmental and structural reports, and so on. From helping you make a reasonable offer, to providing for the discovery and disclosure of material facts, your agent can help protect your interests.

Buyers and sellers are natural adversaries. Agents must be skilled negotiators and problem solvers, as well as anticipate problems before they happen. Pride, ignorance, or stubbornness can get in the way of a fair deal for both sides.

Your agent will share your risk, and will make sure you go into any home purchase with your eyes wide open. Take advantage of the greatest homebuying resource available — your own real estate agent.

10 Things To Never Say To A Real Estate Agent

Written by Jaymi Naciri on Wednesday, 19 August 2015

Real estate is serious business, and it can be easy to forget when we’re involved in a complicated and emotional financial transaction that the person we’re working with is just that…a person. An agent might not always show you when he’s feeling disrespected or offended, but you may pay for it—literally. Establishing a good relationship early on and maintaining it through honesty, open communication and mutual respect is key to a successful transaction. You can help ensure that happens by watching what you say.

1. That price is ridiculous.

If you’re dealing with a professional agent, especially one who has a good track record in the business, it’s fair to assume she’s done her homework on comparables and is recommending an offer price based on the local market and your financial situation. Most agents are going to expect some conversation to take place around pricing, but insisting on a price simply because it’s what you want to pay doesn’t typically play out well.

2. But Zillow said my house is worth $40,000 more than what you’re telling me.

Zillow has become an industry juggernaut. While their home pricing estimates, known as “Zestimates,” aim to inform buyers and sellers, they’ve been proven to be off by a whopping amount—somewhere between the 8% Zillow claims and upwards of 20%, 40%, even 61% depending on the house and the location, according to a recent L.A. Times report, said Housingwire.

3. I know what my home is worth.

Not really. Your estimation of your home’s worth may be based on neighborhood comps, but it’s probably also colored by your emotions or by what you need to make from the sale. It’s hard to separate out your personal connection. That’s why it’s important to let your Realtor be an impartial professional.


USA Today
4. I have a perfect credit score.

“Unless you’re part of the 0.5% of consumers who reach the 850 mark, it’s time to be real about your credit score and your financial ability to buy a home,” said Agent Ace.

Overvaluing your credit, your down payment, or any other aspect of your buying ability, is pointless. Everything is going to come out during the buying process anyway.

5. I’m not going to bother getting pre-approved.

To an agent, this can indicate that you’re not a serious buyer. Or that you don’t understand the process.

In tight markets, you’re at a disadvantage if you aren’t ready to pull the trigger right away when you find a house. You could very well lose out because another buyer was ready with their pre-approval and you were just getting in touch with your lender.

And, as Lighter Side of Real Estate points out, “An agent worth his or her salt won’t agree to invest countless hours showing homes to someone who isn’t approved for a loan.”

6. I have between $200,000 and $2,000,000 to spend with any number of bedrooms in any location.

Open-ended budgets and limitless expectations are great, but giving your agent a little more guidance can help him zero in on viable options. When you have no idea where or what you want to buy, most agents won’t embrace the idea of spending countless hours trying to narrow it down.

7. I’m not doing any repairs.

Sellers want to think their house is perfect, but inspections may show otherwise. Drawing a line before you even know what problems may exist can be frustrating for an agent. It’s her job to get you the best possible price, but unreasonable expectations make that more difficult.


GruntWorks Home Services
8. You can cut your commission. I mean, you make a ton of money.

While commissions are often negotiable, assuming an agent will cut it—especially when they’ve been approached in a callous or sarcastic manner, isn’t the way to go about getting what you want.

9. I’m not ready to buy…I just wanted to see a few homes.

People looooove having their time wasted. Especially busy agents who could be out dealing with serious buyers instead of showing homes to someone who isn’t sure they’re even in the market.

“The best real estate agents are busy individuals for a reason. Their services are highly in demand and thus their time is valuable,” said Agent Ace. “It’s ok if you’re just looking around and aren’t sure whether or not you’re ready to take the leap; but if that’s the case, be upfront at the start not after several showings.”

10. Can you give me some advice about my house? I don’t want to hire an agent.

Most people wouldn’t approach a CPA to do their taxes without hiring him or expect a lawyer to write up a divorce agreement without paying, but real estate agents often yield questions from people looking for free advice. Most will answer a question or two, but there is a limit.

How To Incorporate Your Travels Into Your Décor Without Creating a Jungle

Written by Jaymi Naciri

If you’re a wanderer, you probably have a number of items you’ve brought back from your travels. A trinket here, a rare antique there, a couple thousands of photographs thrown in, and pretty soon you have quite a collection. The question is how to use them. Display them wrong, and you can create a mess instead of a masterpiece. Follow these tips to best show off your wares.

Create a photo gallery

Nothing brings back the special moments like photos taken on a jaunt around the world or pieces of art you find along the way.

“Whether it’s your own photography you choose to print and frame, or perhaps a piece of art by an artist you fell in love with while traveling, there’s no better, and more visual way, to look back on your memories and showcase them in your home,” said Dot&Bo.

Placing items together in one area turns it into a gallery—with meaning.

“Consider an art collage or designate a room or area (like your hallway) for displaying your artwork from your travels. This same tip can be used with family photos from your vacations,” said Olamar Interiors. “Consider printing the photos at varying sizes and framing them in the same style frame and mat to create visual drama.”
Keep it classy

Whenever possible, buy authentic items to display at home, not touristy replicas or tacky souvenirs. And when deciding how to showcase the items, err on judicious side. Vacation displays can quickly go awry if they don’t meet the design standard you’ve already established for your home.

“Design themes based on a destination can easily take a cheesy turn if you’re not careful. Add one too many shells to create a beach house look and suddenly you’ve gone overboard into a sea of bad design,” said HGTV. “Whisper your theme, don’t scream it. Display a simple conch shell on your fireplace or place a sea-glass vase on a side table. You want to create a room that reminds you of vacation, not one that makes you feel seasick.”

Welikehouse.com

Think big…and small

If you find an antique hutch that you can’t live without while overseas…don’t. Will it be a logistical nightmare getting it home? Probably. Will it be worth it? Certainly.

“This is one large souvenir,” Design Sponge said of the 1800s hutch that photographer Aaron Delesie and his wife, Jennifer, brought back from a library in Venice, Italy and to serve “as storage for their dishes and glassware in their Santa Ana, CA kitchen.”

Small items can also make a large impact, as proven by this old tin.

“New Yorker Louise Fili has traveled to flea markets all over Italy tracking down these lovely vintage tins,” said Design Sponge. “This tin from Perugina is the perfect size to hold business cards and matchbooks from the restaurants for which she has designed logos.”

A great option that travels easily is a textile.

“From ready-made throw pillows to gorgeous blankets and rugs, there’s no shortage of ways to dress up your home in travel-found memories, and they pack easily, too,” said Dot&Bo. “Feeling inspired by a foreign fabric? Bring it home and transform it into a seat cover or a set of curtains for a stylish and lasting way to remember your travels.”

Bring in color

If you want to capture the feeling of a particular place but don’t necessarily want to incorporate traditional décor items, turn to the color wheel.

“Typically, different regions of the world have their own color preferences and trends,” said Olamar Interiors. “Tropical locations usually use bolder patterns or pastels as their main decorating colors. Or you can take a more natural approach and focus on the colors of the ocean or the sky into your décor. You can incorporate the colors of your preferred place into the paint, fabric and accent color selections you make for your home. Or, consider a good quality wallpaper mural or painted mural reminiscent of your favorite spot.”

Stuck on Stucco? Here’s What You Need To Know

Written by Blanche Evans on 13 August 2015

If you’re looking for a home with Southwest or Tuscan character or want to give more personality than wood siding provides to your home, stucco is back and is stirring up the market.

In use for more than two millennia, plaster work, or stucco, has long been appreciated for its utility. With its sand and cement base, it’s highly durable, maintenance-free, fire-resistant, and provides insulation. It also offers a wide variety of textures, colors and finishes compared to a brick, stone or wood-sided home.

But stucco hasn’t always been held in high regard with home buyers and sellers. In the 1990s, some synthetic stucco put a crack in the material’s reputation in America. Complaints about material cracks and trapped moisture that rots wood helped promote one of the biggest housing scare of the ‘90s — mold and mildew.

Synthetic stucco was introduced n the 1980s to the American market- an import from Europe that had been tested for decades. Known as external insulation finish stucco or EIFS, synthetic stucco is more commonly applied to wood siding, with a layer of foam board insulation between it and the wall, where as European stucco is applied directly to the external brick and mortar of a house.

Problems with stucco can still arise in the multi-step process that it takes to apply to your home. Depending on the makings of your home’s exterior, either wood siding or brick, synthetic stucco is first applied either with or without paper insulation on a wire mesh skeleton. Next the home is coated with many layers of plaster, to ensure adequate distribution of the material on the surface. It comes to a final depth of about one inch. If these layers aren’t properly applied, they can cause cracking and water problems in your home.

Brick homes are typically fine with synthetic stucco, though cracks around windows and doors can be a problem with moisture being trapped and unable to escape, but it’s the synthetic stucco on wood that causes the most problems. According to edubook.com “numerous houses in the USA are suffering from wood rot, caused by their EIFS coating.”

Stucco can cause minor cracks in your home’s finish, so you should expect them. They are easily patched, and are part of the natural settling of any building structure.

If you’re thinking of buying a home with stucco, find out if the home is cement or synthetic stucco. If the home is synthetic stucco on wood, that doesn’t mean there’s a problem, but make sure that there is adequate flashing around the base of material, especially where it comes in contact with new or other material. The flashing directs water away from the base of the material and is an extra safeguard against moisture buildup and future migraines. Be sure to ask the seller for any moisture, mildew, or mold disclosures.

One of the easiest ways to tell cement stucco from the synthetic stuff is to simply go up and gently rap your fist on it- synthetic sounds hollow while the real stuff will give a robust thud as it is considerably more solid.

So when considering stucco, remember that it’s stood the test of time for ages, it looks good and keeps maintenance costs low.

It’s a form of stone, after all.

The Rise of the Backyard Farm

When chickens and bees wander into your sale, life gets interesting.

July 2015 | By Meg White

Whenever there’s an open house for a listing on her street, Rosalind Creasy expects a knock on her door. Not only does the landscaping—bursting with squash blossoms, golden-stemmed chard, and ruby-red strawberries—bring curious kids and hungry honeybees to her yard, it also brings real estate agents.

Many want to know if she’s interested in putting her Los Altos, Calif., home up for sale, but they’re also drawn to the beauty and fragrance provided by the kumquat trees and sugar snap peas, just like anyone else. “I could sell my house in a minute.” she says. “Right now it’s because it’s got an apple tree in bloom, but really, there’s always something beautiful happening.”

However, Creasy’s edible landscaping hasn’t always been admired by the local real estate community. The landscape architect and author remembers a “traumatic experience” decades ago, after replacing a couple’s lawn with raised garden beds and helping them cultivate kiwi and pomegranate plants there. Three years later, the couple divorced and put the house on the market. Creasy happened to stop by the listing and saw the landscaping had been all stripped out, lawn back in place. “I looked up in horror,” she remembers. “The real estate agent told me houses with lawns ‘sell faster.’ I could have killed her!”

Understanding this focus on backyard agriculture as an emerging real estate niche may expand your reach with buyers and sellers. As a national speaker and edible landscaping expert, Creasy has seen a sea change in how the public views growing food and tending to food-producing fauna in their yards. She says that, just as a segment of society has traded in the allure of the huge, gas-guzzling Cadillac for sleeker, more efficient cars, so too have we redefined the concept of a desirable outdoor space. “It used to be that having a big lawn and lots of shrubs was a status symbol, showing you have so much land and so many servants and so much money you didn’t have to use your land to just grow food,” Creasy says. “But now edibles have cachet. They are in. They’re sustainable. They’re healthy. Wealthy, educated people in particular are aware that this is the new status symbol.”

A Buzz in the Air

It’s not just gardens that are creating buzz. There’s no doubt in the mind of American Beekeeping Federation President Tim Tucker that the backyard beehive trend is going mainstream. “The number of beekeepers of one to five hives is growing by leaps and bounds,” he says. Part of this is fueled by the shock over the problem of colony collapse disorder, a mysterious event where entire colonies of bees perish. “People do want to help,” he says. However, Tucker says he also sees a growing interest from older home owners, some of whom are having trouble finding wild bees for fruit trees and other plants that rely on pollination. “There’s also this movement of the baby boom generation toward more sustainable practices. They see it as a hobby that will help their garden.”

Chicago home owner Jean Bryan says she’s excited about the uptick in people interested in agriculture in her Rogers Park neighborhood. “This neighborhood is very chicken-heavy,” she says with a smile. “There’s a real tipping point in terms of our awareness of healthy food and the need for having food closer at hand.”

With the increasing interest in local food production, Bryan knows her yard—at 50 by 170 feet, it’s larger than the average Chicago lot—is enviable for city dwellers. She has room for a coop that offers protection and a “chicken run” that allows her seven hens outdoor space to scratch and forage. “There’s an increasing interest in home production of food—chickens are a subset of that—and the size of our yard would be very attractive to someone who was into that.”

The yard also offers a head start for gardeners that’s been decades in the making. “Besides the size of the yard, which would be a big selling point, we already have a raised-bed garden that was started by the original owners of the house,” Bryan says. “That part of the yard has been a garden for decades, and its soil has been built up significantly.”

Bryan says she and her husband are not looking to sell right now, but that having a real estate pro who understands the market for their home would be important. She says she thinks today’s chicken coop is yesterday’s solar panel. While a few years ago, agents might have recommended terminating a solar panel lease at a home before putting it on the market, “I really think they’re becoming something of value.”

Josh Friberg, green, sales associate with Keller Williams Realty in Portland, Ore., says it’s simple to change your thinking about the needs of this subset of buyers. “It takes a different kind of property for a Yorkie versus a Great Dane,” he says. “It really only takes a small shift in mindset to consider what’s going to be appropriate for chickens.”

Knowing the Rules

Governments are beginning to see benefits to localizing food production. More than a dozen states have recently enacted legislation promoting small-scale agriculture, and a smaller number, including Hawaii, Louisiana, North Carolina, and Oklahoma, have looked into or introduced incentives to encourage people to pursue backyard food production on residential property, according to the National Conference of State Legislatures.

Where municipalities and agencies do restrict or monitor agricultural activity on residential land, they are rarely out to squelch those practices with regulations, which are often created to protect home owners. Tucker says part of the reason it’s hard for his organization to get reliable numbers about the beekeeper population in the U.S. is because many residents with just a few hives try to avoid state monitoring programs. “Unfortunately it’s going to get more involved and there are going to be more requirements for beekeepers,” he says. However, he notes this will make for healthier bees, as agricultural agencies track disease and ensure that pesticide companies are aware of any no-spray zones in residential areas.

Other restrictions are based on so-called “nuisance laws,” which attempt to keep neighborhoods harmonious. Friberg says the complaint-based system in Portland is governed by this principle. He needed a permit for his backyard farm, which is home to goats, turkeys, chickens, honeybees, and a massive vegetable garden (the city allows residents to have up to three livestock animals without a permit). However, he says the permitting process is easy if you have a good relationship with your neighbors. Even visits from county disease control officials center on how comfortable nearby people are with his activities. “They mostly want to know what your relationships are with neighbors,” he says. “Also, I make homemade beer and a lot of that does go over the fence. All of a sudden you’ve got really happy neighbors!”

You might counsel buyers interested in residential food production to reach out to potential neighbors before committing to a new home. “It’s always a good idea to know your neighbors,” Tucker says. He adds that because bees need access to water, even a nearby bird bath can draw their attention. If a potential neighbor has both an outdoor swimming pool and a severe bee allergy, it might not be the best fit. (Another tip from Tucker for mobile beekeepers: Don’t pick a place that’s too close to the previous hive. “If you only move [the bees] a quarter of a mile, they’re going to go back to their old site.”)

But in the early stages of helping buyers, it’s important to know the local laws. When Sarah Snodgrass, agent with Better Homes & Gardens Real Estate Kansas City Homes in Kansas City, Mo., was looking into the possibility of starting a coop in her backyard, she found the overlapping regulations incredibly confusing. “Before I got chickens I thought, ‘Well, am I allowed? What’s the deal?'” she remembers. A home may be in a city where a coop is acceptable but “you might be in a subdivision that doesn’t allow chickens.”

Cities might mandate minimum space requirements around coops or restrict the number of chickens home owners may legally have, and some prohibit rooster ownership altogether. Additional restrictions may exist on a smaller scale, through home owner associations. To make the situation clearer, Snodgrass put together a chart on her blog, which she updates as changes occur. Not only does she reference it often in her own business, she says clients and real estate pros often come to her for advice on urban farming. “They think I will understand them and be able to help them better than anyone else,” Snodgrass says.

Marketing Your Expertise

Snodgrass is currently working with buyers looking to start up a backyard chicken coop. But it’s not just her blog that helps her connect with this community. She’s currently working toward becoming a master gardener, taking classes through the University of Missouri’s extension program and volunteering in the community. She says agents who want to follow her lead should gather expertise in what they’re passionate about. “Be yourself. You have so many ways to connect—from local activities to online outreach via social media. Get out there, be professional, but, most important, be authentic,” Snodgrass says. “Buyers and sellers want to work with a real estate pro who will understand them.”

Friberg says his agricultural expertise has led to several referrals. He holds his annual client appreciation event at a pumpkin patch, mentions how the livestock are doing in his newsletter, and can be seen taking his goats for leashed walks around the community. “This is who I am, and people know that,” Friberg says. “I just got an e-mail from a former neighbor who said, ‘I really want to have the lifestyle that you and your wife have, and I think you could help me with that.'”

So what happens when a seller with a coop, beehive, or massive garden is ready to sell? Bryan suggests agents ask chicken coop owners whether they plan to take the coop with them. Creasy says conversations with sellers can also inform your marketing plan: “Ask them what are the things in their yard that make them happy,” she says. “If they say, ‘I’ve grown $700 worth of food out of this box,’ don’t you think that’s worth mentioning to buyers?”

Creasy also recommends using the fruits of edible landscaping in staging, perhaps gathering a few sun-ripened tomatoes from the garden and arranging them in a rustic basket. She’s helped several clients get their yards ready to sell and says anything from a mini-orchard to a tidy herb garden off the kitchen can help. “Plants like thyme are so easy; they don’t ask for anything,” Creasy says. “I call them edible plants with training wheels.” But you may need several months’ lead time to make sure all the plantings are ready. “It’s different with landscaping,” she says. “You can’t walk in and set up a few decorative pillows and take down the pictures.”

Friberg suggests ensuring farming structures are in good shape. He remembers working with one seller whose chicken coop was in disrepair. “We had to spend time mucking out the coop to really make it look nice. We were also prepared to remove it [if buyers insisted],” he says. “The goal was making it look as pleasing as possible.” Friberg helps widen the appeal of chicken runs by suggesting alternative uses in his listing notes, such as repurposing them for dogs or gardening. “It’s all about recognizing that there are multiple functions for these items,” he says. “I make sure this is part of the conversation.”

Creasy says the industry will benefit from understanding the growing mini-farm movement: “Real estate agents should get to know more about food, because the public is integrating food into their whole lifestyle.” And we’ve all got to eat.

Buying An Historic Home

Written by Blanche Evans on Thursday, 09 July

You’ve fallen in love with an old Victorian house and want to bring her back to her glory days. With dreams of starting the next row of “painted ladies,” you close the deal.

You may already have some ideas of things you want to do to your new home, but before you make any changes to the structure itself, do a little research and make sure you have the answers to these three questions:

1. Is your home designated as historic – part of a state or federal historical building or neighborhood registry? If so, you may have to adhere to a number of regulations and be subject to some historical preservation oversight in order to update the home.

2. How extensive do you want the updates to be? Do you plan to “take it back to the studs,” or simply do some cosmetic work like refinishing floors?

3. How authentic do you want the renovations to be? The more accurate the details, such as spindle bannisters and egg and dart moldings, the higher the cost in materials and labor.

Your home and its state of repair may dictate which course of action you choose. For example if your home has serious structural damage or decay, then preservation may not be possible. However, you’ll still be able to reconstruct and renovate.

Not sure if you should preserve, restore or renovate? Here are a few definitions that may help you form a plan:

Preservation means restoring and using the building for its original purpose, with as much of the original features and décor saved as possible.

Restoration means tearing out improvements made over time that don’t reflect the original age and style of the home, and then repairing those areas to closely match the original size, shape, color, etc.

Reconstruction means making major changes to the floor plan such as adding new rooms and dramatically altering and repurposing parts of the home.

Renovation or remodeling freshens the look of the home using modern materials such as updating an older kitchen with custom cabinetry, farm sinks and granite countertops.

Before you begin, find out if there are any local or state subsidies for historic preservation for homes in your area. You could get tax breaks and special home improvement loans or other assistance. Contact your local tax assessor-collector for more information, or your local housing authority.

The National Trust for Historic Preservation has some excellent resources for homeowners of older or historic homes. Also, check out historicproperties.com and thisoldhouse.com for more information.

25 Cleaver Cleaning Tips

Written by Jaymi Naciri

Cleaning is called a chore for a reason. For most of us, it’s never going to be fun. But it can be made a little less tedious by using some clever cleaning hacks, or at least finding products that won’t make you feel like you’re being attacked by toxic fumes.

Check out some of these 25 tips, and while you probably won’t end up a cleaning convert, you may at least end up with a gleaming sink and some pride to match.

1. Use a pillowcase to clean ceiling fan blades. The dust gets trapped inside instead of being spread around the room.

2. Vinegar, vinegar, vinegar. If it’s not already your best friend, it should be. Check out all the amazing things it can do in and for your home here, and see more examples below.

3. Stinky garbage disposal? Grind up half a lemon in there. Fresh and clean-smelling in no time.

4. A moldy shower is unhealthy. And it’s gross. Harsh chemicals aren’t the bastion of health and safety, and they might not help much anyway. Use Borax and water and mix into a paste. Scrub and let sit for at least 30 minutes before rinsing.

5. Don’t scrub your cooktop until your hands bleed. A paste of baking soda and hydrogen peroxide makes it so much easier.

6. Tags on new glassware or dishes can be a drag. Remove them easily by soaking in OxiClean and warm water.

7. The aforementioned vinegar won’t make your clothes smell good if you spill two cups of the stuff on your outfit. But filling up your washing machine with water and pouring those same two cups inside will help get all your laundry cleaner. Let it sit for a few hours or overnight, and the sediment that’s settled into your washer will be gone.

8. Kids. Socks. Floor polish. (But only if they have good balance and/or you have good health insurance).

9. Microwaving a bowl of water for five minutes will steam it up and caked-on stuff will wipe away easily.

10. Hairspray doesn’t just give you a nicely controlled coif. It can also help remove nail polish from wood finishes.

11. If you hate cleaning the blinds, you’re in good company. But put socks on your hands, and all of a sudden it’s not quite so abhorrent. If you’re looking for a way to engage your kids in some cleaning fun, turn those socks into puppets with some permanent marker first.

12. Clogged drain? Hold the Drano and reach for the Alka Seltzer. Plop-plop three tablets into half a cup of vinegar and wait for the fizz-fizz. After they finish bubbling up, run the hot water for five minutes.

13. You can also clean your toilet without harsh chemicals by combining a half a cup of vinegar with baking soda. Let bubble up and soak then wipe away.

14. Dryer sheets are your friends. The same thing you use to get your laundry smelling fresh can also get your shower door sparkly clean. Soak in water, scrub, rinse, and dry.

15. Dryer sheets are also great for dusting baseboards. Just run one along the perimeter of the room—or have the kids do it. They love helping if it means they can get on the floor.

16. If your baseboards need a little more help than dryer sheets can provide, grab an old toothbrush and a can of spray cleaner. They’ll shine up nicely.

17. Put some baking soda-infused toothpaste on that toothbrush and you can get rid of rust stains on your tub.

18. Clumsy in the kitchen? Cleaning up broken glass is a cinch with white bread. Grab a slice to pick up those tiny pieces that always end up in the bottom of your foot.

19. A paste of baking soda and warm water can remove crayon and pen from walls better than a sponge.

20. Permanent marker end up on your walls instead?. Break out that hairspray or toothpaste and toothbrush.

21. Clean and deodorize your mattress. You know you should.

22. Clean your shower head with little effort. Simply fill a plastic baggie with white vineyard, tie it around the shower head, and leave it to soak while you’re gone for the day.

23. A mixture of baking soda and hydrogen peroxide won’t blow up your kitchen, but it will get all the gunk off of your cookie sheets. Make a paste with a quarter cup of baking soda and as much hydrogen peroxide as you need to reach the right consistency. Rub it in, leave for two to three hours, and rinse. Good as new.

24. Dirty grout is unpleasant to look at and can also be unhygienic. A paste of three-quarters of a cup of baking soda and one-quarter cup of bleach can do the trick. Use a rough brush to work it into the crevices and leave it on for 10-20 minutes. Reapply if needed, then rinse.

25. White rice is a savior for waterlogged cell phones. It’s also a great solution for cleaning your coffee grinder. Use uncooked white rice, run the grinder, then dump it and give a good wipe.

8 Smart Ways To Make A Small Kitchen Look Larger

Written by Jaymi Naciri on Sunday, 26 July 2015

A large, open kitchen may be the dream of most homebuyers today, but with restrictive budgets, smaller square footage, or homes that were built before this trend took over, not all are making the grade. If you find yourself with a smallish kitchen, there are ways to make it feel more spacious.

Knock down a wall

Removing a wall that blocks light or that separates the kitchen from the living or dining room is an easy choice for experienced renovators.

It’s not a DIY job unless you or your friends/family are experienced in demolition, electrical, plumbing, drywall, flooring and ceiling repairs, and any other stuff that comes up.

Expect to pay in the $2,500 to $3,000 range, according to Houzz. And that’s if the wall isn’t load bearing; if it is; you could be looking at up to 10 times that amount, and you’ll probably have to bring in a structural engineer and a team of pros to do the work.

Create a pass-through

If you can’t take down a wall, you may be able to create a pass-through that brings light into your kitchen. If you can extend a counter through the new open space, you can also create a breakfast bar on the other side to add function.

Remove other barriers

A raised breakfast bar may provide great functionality for casual meals, but it also may be contributing to making your kitchen feel tight. Knocking down the raised level so that your breakfast bar is all counter height is a modern way to update your kitchen and one that will open it up and make it feel larger.

Use the same theory for furniture and other items in the space. “Certain elements—like backless barstools, wire kitchen islands, or glass pendant lights, for example—leave sight lines open and don’t trip up your eye as you move around the room,” said Apartment Therapy.

Clear the countertops

Messy or cluttered spaces look busy. For a more streamlined look, clear ‘em off. It’s easy and won’t cost you a thing.

Lighten up

Light equals bright when it comes to a small space, which is great since white continues to be the most popular choice for kitchen cabinets today.

To maximize the effect, keep the wall color the same as the cabinets and extend to as many other surfaces as possible.

“White is your best friend in a small kitchen,” said Better Homes and Gardens. “It reflects light, which enhances the sense of space and makes the wall seem to recede. When you carry the white from the cabinetry to the countertops, walls, and ceiling, you create a seamless space without edges or boundaries to stop the eye. Use several shades of white and combine contrasting textures to keep an all-white room from feeling sterile.”

No matter what the predominant color is the space, keep the contrast low “so the eye doesn’t trip over sudden shifts from dark to light. The effect is serene and expansive.”

Don’t avoid geometric patterns

You don’t have to forgo geometric patterns in a small kitchen. In fact, if chosen right, those patterns can help you expand the feel of your kitchen.

“Choose geometric and striped walls and floors that draw the eye lengthwise or vertically and make the room appear longer or taller than it actually is,” said Apartment Therapy. “If you can’t change the floor itself, add a patterned runner that will add the same effect.”

Pare down the cabinets

“Too many cabinets, especially if they’re dark, will create the illusion that the room is much smaller than it is,” said DIY Network. But if you’re stretched for storage space as it is, getting rid of cabinets may not be practical. Swapping out your solid cabinet doors and replacing with glass can be just as effective.

“Glass fronts lighten the look of cabinetry and allow the eye to travel through to the back, which helps the kitchen seem more expansive,” said Houzz. Want to do it yourself? Check out this tutorial.

Think about scale

Giant stuff in your tiny space will only make it look more cramped. “Select petite islands, slim chairs, streamlined stools and narrow tables that don’t eat up valuable floor space,” said Houzz. “Avoid chunky furniture legs or thick bases, which add visual bulk.”

Private Zoning VS. Public Zoning: A Community Association Dilemma

Private Zoning VS. Public Zoning: A Community Association Dilemma
Written by Benny L. Kass on Tuesday, 21 July 2015

Question: My husband and I have recently retired, and are supplementing our income by giving music lessons in our home. Recently, the Board of Directors of our condominium association has advised us that our legal documents specifically state that our unit can only be used for residential purposes and that no business of any kind is permitted. However, we have confirmed that local law permits us to obtain a home-office permit and that we are not in violation of any laws. We do not teach any bands, and do not have concerts in our house. We only teach children — ages 7-15 — piano lessons. Does the association have the right to restrict our teaching?

Answer: The issue of “home office” use in community associations continues to be a hot topic, especially since a large number of homeowners want to earn a few extra dollars.

Any discussion of the power of a Board of Directors must start with what we call the hierarchy — or priority — of rules. At the absolute top of the list is the state condominium or community association law. Next, there is the Declaration (for a Condominium Association) or the Covenants, Conditions and Restrictions (for a home owner association). The next level refers to the Bylaws of the Association, and finally, at the lowest level are the Rules and Regulations which have been promulgated by the Board of Directors.

Although State law carries the highest priority, to the extent that the community association documents do not conflict — and are more restrictive — than state law, the latter documents will be enforced.

Let me give you an example. Local zoning laws state that your property is located in a commercial zone. However, your association documents restrict use for residential purposes only. Since residential use is more restrictive than commercial, the association can prevent owners from using their homes for commercial purposes.

I call this a conflict between “public zoning” and “private zoning”. Thus, the fact that your local zoning law permits you to use your home for office purposes does not preclude your association from enforcing the more restrictive association rules.

When you buy into a community, you are generally required to abide by these rules and regulations, although Courts throughout this country are starting to look to whether such rules are reasonable. If a Judge determines that these rules are not reasonable, the rules will not be enforced.

Many people want assurances that the status quo will prevail in the neighborhood where they live. Many people want uniformity in their community, such as fences being the same height, and window curtains being the same color.

These operative documents are recorded among the land records where your property is located. They “run with the land”, which means they are binding on all home owners who are within the jurisdiction of the community association.

When there is a violation of these documents, the Board of Directors can take appropriate legal action to stop these infractions. The Board has a range of enforcement options, from issuing fines to filing a lawsuit asking the Court to enjoin the violator.

There are, of course, significant exceptions — and limitations — on the Board’s authority. For example, if a Board is not enforcing the rules on a uniform, consistent basis, a Court will probably not allow the Board to arbitrarily pick and chose when they can try to enforce their rules. Additionally, if the rules are vague — or do not contain appropriate guidelines and standards — Judges have refused to enforce these rules against alleged violators. Clearly, one must be able to understand the rules.

The home office issue in community associations has been brewing for a number of years. With the advent of modern communication and computer systems, many of us find that we can work at home more efficiently and more productively than fighting traffic and parking to get to our work place.

Indeed, in the Tax Reform Act of l997, Congress overturned a United States Supreme Court case, that had previously imposed limitations on the tax deductibility of home offices. In a case known as Soliman, a doctor attempted to deduct his home office, since this was the place where he did all his bookkeeping, his research and made his appointment.

However, the high Court rejected Dr. Soliman’s deductions. The Court took the position that Dr. Soliman’s principal place of business was in the hospitals where Dr. Soliman practiced; that was where the primary income generating functions of his trade or business were performed.

Effective January l, l999, a new definition of “principal place of business” is in the Tax Code. A home office will qualify for tax deductions if the office is used by the taxpayer to conduct administrative or management activities of the taxpayer’s trade or business, and there is no other fixed location of the trade or business.

Thus, this law — plus modern technology — has created a clash with the restrictive community associations legal documents. Indeed, the Community Associations Institute (CAI) — a non-profit national organization created in l973 to educate and represent the nation’s 231,000 community associations — has urged its membership to reconsider home-based business bans.

According to CAI, approximately 100,000 home based businesses are established each month; by some estimates, as many as 40 million people work out of their homes.

In your case, you want to teach music in your home. Clearly, if you are giving Tuba or drum lessons, this may be disturbing to your neighbors. But since you are only giving piano lessons, I see no reason why you should not be allowed to do so.

Read your Association documents carefully; what exactly is the home-office prohibition. As indicated earlier, if the language is vague — or is discriminatory in that it allows some businesses but not others — you may have an argument that these restrictions should not be applied to you.

You should also talk to your neighbors to determine if they will object to your giving lessons. They may want to restrict you to certain hours of the day, which may be an acceptable compromise for you.

Finally, if your state, county or city issues “home occupancy permits”, I would make arrangements as soon as possible to get such a permit.

Then you should raise the issue with your Board of Directors. Ask them to poll the community, with the view of determining whether your legal documents should be amended — or at least not enforced as to certain violations.

Amending legal documents in a community association is possible, but it takes a lot of hard work. Mount a major campaign in your association to gather support from your neighbors. Treat your cause as if you were running for political office; appoint floor (or neighborhood) captains to canvass the neighbors, and obtain petitions and proxies so as to amend your association documents.

We are in the twenty-first century, but many community association documents were drafted even before computers became common. Community Associations must also keep up with technology.