Are you house rich, but cash poor? The phrase is often used to describe people who have a house payment so large they can't afford anything else – like food, gas, utility bills and things they need day-to-day. If this describes you, don't worry. You're not alone, and you can get through it with these ten life hacks for lowering your living expenses.

One: Develop a spending plan

The old-school term for a spending plan is a budget. As much as most of us hate the idea of budgets, they are lifesavers when it comes to helping you save money. If you've tried budgets and they just don't work, consider Dave Ramsey's Financial Peace University, or BudgetsAreSexy.com if you want a different, more fun, less painful approach to budgets.

Two: Learn about money, starting with your mortgage

Homeowners should understand what it means to buy or own a house, including what a mortgage means, what equity is, and what liquidity is, as well as how to leverage your home's value when emergencies arise.

Three: Get a second job.

No, you don't have to deliver pizza after you get home from work (although some homeowners do that). You can indulge your need for fun, outings, dinner out, etc. by getting a second, part-time job, or by signing up to be a mystery shopper. You can become an Uber or Lyft driver too. If you don't have much time for a second job, try using any of these apps for making money doing things you'd normally do anyway:

• iBotta.com
• Paribus.co
• EarnWithDrop.com
• Google Opinion Rewards (for Android and Mac)

Four: Take in a boarder

More and more homeowners are either taking in boarders or creating Accessible Dwelling Units (ADUs), often called "mother-in-law apartments," to help them cover their mortgage. By converting a garage, basement or spare room into an efficiency apartment, you can add $300 to $800 or more to your income. If you can't afford a remodel, look for a renter willing to trade his/her construction skills in exchange for rent.

Phil Elmore, an author and working writer living in New York, recently made the transition to living with relatives after years of renting rooms. It's saving both Elmore and his brother money. "Moving in with family, assuming you get along, is a win-win situation. Not only do I get to spend more time with extended relatives, but having an 'extra' functioning adult on hand – somebody to mind the store, play chauffeur, or just take care of the usual 'grown-up stuff' that comes along – can really reduce stress for everyone in the household. Shared living expenses bring down individual costs for everyone involved, too."

Five: Get rid of cable; sign up for Amazon Prime

Amazon Prime offers unlimited free movies, television shows and video games and free shipping on most items for $99 a year, or $10 a month. There's also a $49 option for students. Instead of renting DVDs, check out your local library for DVDs and video games. Libraries also provide internet access if you don't want or need 24/7 internet service in your home.

If you don't want to go to the library every time you want to get online, consider using a hotspot (only $10 a month if you have an iPhone and a Virgin Mobile Inner Circle membership (Free). With a Virgin Mobile Inner Circle membership, you get six months of unlimited text, data, and phone service for $1 a month, ($50 for unlimited service each month after that), and a $10 a month hotspot.

Six: Learn to fix your own stuff

Be it plumbing, a clogged toilet, or frozen pipes. There are YouTube videos for everything you'd ever need to know to become an accomplished DIYer. If you're still not convinced you should be let loose around anything resembling a power tool, take a class. Woodcraft.com offers affordable (think $75 and up) classes for beginning and advanced woodworkers. Stores like Lowes, Home Depot, and others also offer free to low cost classes in laying tile, installing sheetrock, and making home repairs for the DIY'er.

Seven: Subscribe to money-saving blogs

You can learn hundreds of ways to save money in all areas of your work and life. Look for blogs like:

• The Simple Dollar
• The Penny Hoarder
• Money Crashers

Eight: Use the internet

Websites like Freecycle, Craigslist, RetailMeNot, and FreeFlys to find free or extremely cheap furniture, food, beauty and food samples, tools, building supplies, and services.

Nine: Airbnb

Rent out one of your spare (if you have one) rooms on Airbnb. If you have a sailboat, houseboat, RV or camping trailer, you can also list those on Airbnb. Just make sure they're clean and liveable.

Ten: Lower your food and grocery costs

You can save thousands of dollars a year by learning how to reduce your food costs. For starters, never go to the grocery store hungry and cut back on eating out. According to the Food Institute's analysis of the United States Department of Agriculture's food expenditure data, millennials spend 44% of their food dollars – or $2,921 annually, and Baby Boomers spend 40% of their income, about $2,629 annually, eating out. Other ways to save money on food:

• Buy in bulk. From toilet paper to food, clothes, office supplies and pet food, you can save thousands of dollars a year with a Costco or Sam's Club membership.
• Pick up your take-out food. You'll save by not paying the $2.50 to $5.00 delivery fee and the tip.
• Cook less meat. Make meat a condiment, not a meal.
• Buy dry beans, not canned.
• Invest in a vacuum sealer and freezer and buy meat in bulk and separate and freeze it.
• Buy lots of produce in season and can or freeze it for the future.
• Use a grocery list and plan your week's meals before you shop.
• Give up sodas or learn to love the generic brands. Buy liters, not separate bottles or cans.
• Sign up for store memberships or discount cards and coupon clip.
• Shop for items on sale and plan accordingly.

There's no shortage of ways to cut your living expenses in half, just by taking to the Internet to find ways to do so. From food buying to DIY repairs, car buying tips, how-to videos, and giveaways, the information is out there. Start looking and start saving today.

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source:  https://www.homes.com/blog/2018/01/10-life-hacks-for-lowering-your-living-expenses/

This emergency contact list will ensure that you can stay calm in an emergency by knowing who to call and what actions to follow. Read on and stay safe and prepared in your home, no matter what catastrophe befalls you.

Step 1: Medical and Other Life-Threatening Emergencies

These numbers should always be hung up on the fridge or next to the phone if you have a landline. It is easy to look online to find the number of these services in your area, but wise to prepare in advance in case the power is out and you don't have access to the Internet. Make a list that includes:

• 911
• Poison Control Center
• Police Department for your city (non-emergency)
• Fire Department (non-emergency)
• Emergency Vet
• Doctor

While you may initially think it sounds silly to include 911 on the list, you never know what you may be thinking in a panic, and it could be just the thing to jar you into action.

Step 2: Household Emergencies

Next, you must prepare for anything that may happen that could potentially damage your home. Do you know whom to call if a pipe bursts? What about if you think you smell gas? Or the heat goes out in the middle of winter? Keep these numbers in your phone or wallet in addition to the list next to the phone. That way, you still know whom to call if something happens while you are away. This list should include:

• Water Company
• Gas Company
• Electric Company
• Electrician
• Plumber
• Home Insurance Company
• Home Security Monitoring Company
• HVAC (Heat and Air Conditioning) Repair
• Backup numbers for all service personnel if companies are busy in your city due to increased construction, for example

Step 3: Non-Emergency Home Maintenance and Service

These numbers are necessary for those times when something is wrong, but it isn't life-threatening. Anything that happens to the home can be stressful for homeowners, so it is best if you don't have to go scrambling for the contact information to cause more undue stress.

• Pest Control
• A General Handy Person
• A Trusted Neighbor (or three)
• Family Member or Emergency Contact

This list should be saved in your mobile phone, in addition to your comprehensive list that you keep handy, somewhere by the phone. That way, a house sitter can easily reach one of these contacts if they cannot get in touch with you.

Bonus: Emergency Preparedness Information

Create a file on your computer that stores all pertinent information about you and the pets in your household. This should include medical history, will and medical derivatives, and insurance information. This LifeHacker article offers some great resources for creating emergency preparedness files and other information.

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source:  http://www.homes.com/blog/2017/11/the-emergency-contact-list-that-every-homeowner-should-have/

If your home is in pretty good shape (i.e. it's decently updated and not in need of a total overhaul), you might think it's ready to go on the market as is. But little things you wouldn't expect can end up being deal breakers. And, when you've got competition, you need your home to stand out for all the right reasons. Give your home a good look and address the little things now before they become big problems when buyers are balking.

Cords hanging from your mounted TV

This is one of those things that tends to fade into the background in a home we live in every day. But don't be surprised if new eyes go right to those dangling cords and wonder why you didn't take the next step and hide them in the wall. Anything that makes a potential buyer question whether you cut corners or were lazy elsewhere could spell bad news for your home sale.

An unkempt yard

So, you had your landscapers out to clean out your flower beds, trim the bushes, plant colorful new blooms and mulch everything. And then, the night before a showing, a storm blew a whole mess of leaves into your yard. Grab that rake and make it a family affair out on the lawn at dawn. You know what they say about first impressions. Buyers likely won't be forgiving of a messy lawn, and your house may stand out if they can see the effort made to clean it up when the neighbors' yards are still 15-deep in leaves.

A dingy front door

Again with the first impressions. Your home may look great inside, but if the front door is chipped or faded, or the hardware is worn, your potential buyers may never get past it. This is an easy fix and one that consistently rates high on the ROI scale.

Animals

While homebuyers, in general, may not mind if animals live in the home they are considering purchasing (unless there are severe allergy issues), they don't want to see - and, especially, smell - evidence of them. You have probably gathered up and stowed away the overflowing box of toys and balls. But have you considered the smell? You might not notice it, but first-time visitors likely will.

You don't have to rehome your pets; Use these tips from petMD to make your home smell pet-free.

Cobwebs

Even if you keep a pretty clean home, there may be areas that need attention, like ceiling fans or windowsills that are out of reach. You may not have a housekeeper on a regular basis, but doing a one-time, super deep clean before your home hits the market is a good way to make sure potential buyers don't nitpick and find a reason to question the home's condition.

Poor furniture arrangement

If you're rolling your eyes at the idea that the way you have your living room laid out could make a difference in whether or not your home sells, remember back to when you saw the home for the first time. Were you picturing your own furniture in the space? That's what real buyers do, and if they can't picture how it will work because you have too much stuff in the space or it's oddly configured - blocking a fireplace or doorway, for instance - you're keeping them from doing the thing that could make them buy the home.

Square footage is important to homebuyers, so when you're selling a house it's important to maximize the space to appear bigger and highlight each room's dual functionality to enhance buyer appeal. A home seller can do this by decluttering, lighting up the room and especially by having your furniture strategically placed to show off the square footage. The layout will determine the visual size and flow of the room. You can learn more staging tips for arranging your furniture here.

Junk drawers and crammed cabinets

Buyers who are genuinely interested in your home are likely going to open everything and look everywhere. It's not snooping (at least, we hope it's not snooping!) - it's an interest in how much storage there is in the home. You may be forgiven for one "junk drawer," but the neater and cleaner you can make everything else, the better. You want people to see the space, not your stuff.

Overfilled closets

The need to showcase the space, not the stuff, goes double for closets. Whether it's a hallway coat closet or a master suite walk-in, your home's closets will have a major big impact on prospective buyers. Box up off-season apparel - or better yet, donate it - and remove extra hangers so yours looks spacious and streamlined.

Cluttered countertops

Eliminating, or at least cutting down on, clutter in your home is key to getting it sale-ready, and this is especially important in kitchens and bathrooms. While people may be impressed by your professional mixer and juicer, they're much more interested in knowing they have ample countertop space for their own stuff.

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source:  https://realtytimes.com/consumeradvice/sellersadvice/item/1017399-20180521-9-silly-little-things-that-could-be-sabotaging-your-home-sale?rtmpage=

#1 Using Bleach as a Cure-All

If bleach is your chicken soup for whatever ails your home, proceed with caution.

Bleach can:

• Eat through the sealant on stone surfaces like granite
• Discolor laminate and colored grout
• Fade enamel and acrylic tubs
• Dissolve vinyl and linseed-based flooring like linoleum
• Corrode seals within the disposal

In addition, bleach kills mold on non-porous surfaces but can feed future mold growth on absorbent and porous materials, like grout. Yep, whitening grout with bleach creates a mold feeding ground. Whoops.

Better options? Water and vinegar are all you need for most cleaning jobs. If you've got a heftier mold or mildew issue, apply a commercial anti-fungal product.

And to clean your disposal, just dump cold water and ice cubes down the hatch.

#2 Training Ivy to Climb Your House

You've dreamed of living in an ivy-covered English cottage since childhood. Well, sorry for this, then:

Anything that climbs on the house will damage it. It looks cool for a while, but it can dig into the siding so when you pulled it off, it will be damaged. And it can climb up the drain pipe and tare the gutter off the house.

By sending roots beneath siding and shingles, ivy enlarges tiny cracks in brick and wood, introducing entrances for moisture and insects.

#3 Relying on Chemical Drain Cleaners

Clogged sink! Again! Pay a plumber more than $100, or grab a $10 product at the store? You can totally handle this one yourself, right?

Possibly. But the most common active ingredients in these solutions, hydrochloric acid, and sulfuric acid, can erode your pipes.

Even the old baking-soda-and-vinegar medley can result in cracked pipes, as the reaction causes a build-up of pressure.

Old-fashioned "mechanical" methods — your plunger, a drain snake, or a handy $2 gadget called the Zip-It — are safer and more effective, according to "Consumer Reports." 

And if that fails, that call to the plumber doesn't sound so bad compared to an eroded or busted pipe, no?

#4 Using Glass Cleaners on Mirrors

Your newfound house crush has you scrubbing and spritzing everything. Look at you being so lovingly domestic!

But be cautious with your mirrors. Spraying can lead to what's ominously called "black edge" — created when a liquid seeps beneath the reflective backing and lifts it.

Instead, clean mirrors with a lint-free microfiber cloth, dampened with warm water — especially mirrors installed in vanities and closet doors. 

Avoid the edges and dry immediately with a second cloth.

#5 Planting Trees ThisClose to Anything

Kind of like adopting an adorable, tiny piglet on a whim, you've got to remember how a baby tree is going to grow, and what it's going to require at maturity.

You probably don't want a 70-pound pig digging up your daisies, and you definitely don't want a tree root pushing through your driveway, sidewalk or — so much worse! — your foundation.

And watch out for evergreens. If planted too close to the house, they cast too much shade, encouraging mold growth.

Position trees according to its maximum height, crown size, and root spread. For perspective, even a small tree reaching less than 30 feet tall needs at least 6 feet of clearance from any exterior wall, according to the Arbor Day Foundation.

#6 Using the Wrong Caulk

As a dutiful homeowner, when you see failing caulk, you fix it. But the term "caulk" is as broad as the word "glue."

There's kitchen and bath caulk, concrete caulk, gutter caulk, mortar caulk — and that's just the tip of the caulk-berg. And just like you'd never fix broken pottery with a glue stick, you don't want to pick the wrong caulk either.

Plenty of damage can be done when the wrong caulk is used. Such as using silicone caulk (totally great on non-porous surfaces like bathtubs) on concrete or brick or other porous surfaces. It won't adhere, and moisture can seep in, compromising the bond and the structure.

Before heading to the store, check an online buying guide to find the right match for the project you're doing. Odds are there's a specific caulk just for it.

#7 Over-Sealing Countertops

Take care of your countertop, but don't smother the darn thing.

Applying sealant too frequently can create a cloudy or streaky appearance on surfaces like natural stone, concrete, butcher block, and glass, which typically only require occasional resealing to resist stains. (Quartz, laminates, and solid surfaces like Corian are best-left sans-sealer.)

How to know it's time to reseal? Drip some water on a high-use area of the countertop. If the water doesn't remain beaded after 15 minutes, consider resealing. 

But always defer to your manufacturer's recommendations. Different materials can have different needs.

#8 Over-Mulching

Nothing feels closer to giving your home a hug than being elbow deep in a landscaping project. But when it comes to mulch (which is so great, for so many reasons), it turns out elbow deep is a little too much love.

A layer thicker than 3 inches can suffocate plants and prevent water from reaching roots, so spread thoughtfully.

#9 Piling Firewood Next to Your Exterior Wall

Your fireplace is the highlight of your home. You love it. That's why you keep your firewood right outside the back door, for easy access.

Oops. Storing firewood against your home's exterior walls is akin to opening a B&B for termites.

In fact, "anything that creates a dark, climate-controlled area near the house will invite termites" and other pests into your home.

In one of the worst termite cases he's seen, he found an enormous termite colony on an exterior wall in a bathroom, which got its foothold in a pile of bricks outside.

Twenty feet is a safe distance from home for firewood — and still not too far to go to fuel your awesome fireplace.

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source:  https://www.houselogic.com/buy/first-time-home-buyer/first-time-home-buyer-mistakes/

As a homeowner, you've probably wondered what you can do to create a safer, more secure environment for your family. An easy, low budget do-it-yourself (DIY) project may be the answer.

DIY safety and security projects not only help you save money, they also foster a sense of control over your household's well-being and give every family member the chance to get involved. If you're ready to improve your home's safety and security, use these 10 simple DIY projects to get started.

1. Install a wide-angle peephole.
A peephole lets you see who's on the other side of the door before you open it, helping provide extra protection to your family. Available at your local hardware store, peepholes are affordable and can be installed in a few easy steps. A wide-angle peephole is your best bet. It installs just like a traditional one but offers the benefit of being able to see someone who is standing slightly to the side of the door.

2. Replace your mailbox with one that's more secure.
Thieves looking to steal your identity will scavenge through your mailbox for personal information. One way to secure your mail is by replacing your mailbox with a security mailbox. A security mailbox allows the mail carrier to put mail in the box, but a key is needed to open it and take the mail out.

3. Install a DIY home security system.
In the U.S., a burglary takes place approximately every 15 seconds. Installing a security system can help reduce the chance your home will be burglarized by up to 30 percent. There are many advantages of a DIY security system, including affordability and easy installation. In fact, most DIY systems can be set up in about 30 minutes. Companies that offer DIY systems, like FrontPoint or Protect America, will talk you through the process over the phone if you need help. The majority of DIY systems can be configured to meet your family's unique needs and may include window sensors, remote video monitoring, and motion detectors. FrontPoint offers a variety of powerful wireless home security packages to choose from.

4. Get a safe or create a secret hiding place.
For about $150 you can protect your valuable items and sensitive paperwork. Choose a home safe that can be bolted to the floor and offers at least 30 minutes of fire protection. Typically, a safe that's 1.2 to 1.3 cubic feet is sufficient for home use. You may also want to consider creating a secret hiding place that even the smartest burglar won't uncover.

5. Outfit your home with a paper shredder.
Criminals won't think twice about digging through your trash to find information they can use to steal your identity. Considering identity theft costs the average U.S. victim $1500, buying a quality paper shredder for about $100 is a smart investment. Cross-cut shredders are preferred over strip cut shredders because they cut the paper both vertically and horizontally, making it more difficult for the criminal to piece the paper back together.

6. Place alert sensors in potentially dangerous areas.
One of the best DIY projects for boosting your home's security as well as the safety of your family is using alert sensors in sensitive or potentially dangerous areas. For example, you can install an alert sensor to a medicine cabinet, gun safe, liquor cabinet or pool gate. Some home security companies will send you a text message alert that the sensitive area has been accessed.

7. Reinforce your home's front door.
More than one-third of burglars break into a home through the front door. Often, that's because the door is hollow and easy to kick in, or has a subpar lock. Replace a hollow or old wood door with a new solid wood or metal clad door and then install a sturdy deadbolt. You may also want to consider outfitting your front door with an electronic lock. When paired with a home automation system some electronic locks can be controlled remotely via your smartphone or other connected devices.

8. Illuminate your home with exterior lighting.
Installing flood lights or motion activated security lights is an affordable and effective way to make your home less appealing to burglars. They also help illuminate shadowy places where criminals can hide and shed light on walkways, making it safer for your family to come and go. Consider installing a floodlight above the garage door, and positioning motion activated lights on the side and rear of your home. Solar powered security lights aren't typically as powerful as hardwired ones, but they are easier to install than wired lights and can be moved when needed.

9. Create a family escape plan.
A family escape plan can help get your family thinking about what to do should a fire break out or an intruder break in. Gather your family and walk through your home room by room. Identify possible exit points and routes of escape, and choose a place to meet outside of your home should you have to escape. Then, use the National Fire Protection Association's escape planning grid to formalize your plan and post it where every family member can see it. Practice your escape plan every few months.

10. Secure windows and sliding doors with a dowel.
There are a few inexpensive DIY ways to beef up the security of your home's windows and sliding glass doors. One of the cheapest and most effective ways is using a one-inch diameter wooden dowel. Cut the dowel to fit snuggly between the window and the jamb to prevent it from being opened. Have children practice removing the dowel so they are able to do so during an emergency.

These easy and affordable DIY ideas attest that creating a safe and secure home for your family doesn't have to break the bank or require a professional. What DIY project will top your weekend to-do list?

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source:  https://www.homes.com/blog/2014/11/safer-home/

You know how tough it is to qualify for a mortgage.

Proof you've got a long-term job with ample income. A credit score to the moon. Your life's savings as a down payment. More cash stashed away. A debt-to-income ratio to die for. For some, tax returns for the last two years.

You've been there, done that. For weeks now. Maybe a month or more.

You've fought the good fight, you've run the gauntlet of mortgage qualifications and you have your signature-tired hands on that coveted home loan approval.

Now, all you have to do is not blow it.

For goodness sake, don't make any surprise financial moves that could cost you your home loan.

Your mortgage approval is primarily based on documenting your income and assets, your equity stake or down payment, your credit and the cash you'll have left over after the deal is done.

Once you have a mortgage approval, if you change the profile of any one of those qualifiers, you could have to kiss your mortgage goodbye.

Lenders today don't just check your qualifying information once or even twice. Three, four or more checks, of one document or another, aren't out of the question in today's tight lending market.

Avoid big purchases - If you buy a new car, change the lease, or acquire another large possession, it could show up on your credit report or bank statement.

The lender could think you've gone beyond the risk the lender is willing to accept on your mortgage - especially if you qualified by a hair.

If the new loan or purchase amount upsets the debt-to-income ratio the lender used to approve your home loan, your mortgage could go "poof."

No new credit - Likewise, don't open new credit cards, even for a zero interest rate. Those credit card offers will come streaming in after you close your mortgage. Just wait. The lender didn't approve you based on the additional card or extra loan.

Pay your bills - Also, pay your bills on time, even if there's a dispute. Stop paying a bill and the blotch on your credit report can block your mortgage.

Keep your job - Be kind to your boss and don't get fired. Also, don't go looking for new work right now, unless it's a second job to make more money.

Certain job changes also can affect how the lender rates your creditworthiness.

That includes a job change between industries, a job change to start a new company and changing from a job with a salary to a job that pays by commission.

On the other hand, get a promotion and a raise and you should be fine.

Don't cash out - Leave your stashes of cash alone. Don't transfer large sums of money between bank accounts. Don't make random, undocumented deposits to or withdrawals from your bank account.

Don't be stupid – It should go without saying, but criminal activity, trying to buy a second home and trying to add a co-signer or name to the loan, after approval, could all also get your mortgage canned.

Remember, stuff happens. There are events beyond your control that could cost you your mortgage. A pink slip. A divorce. Hospitalization. The co-signer bails.

However, once your mortgage is approved, do keep tight reigns on what you can control.

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source:  https://realtytimes.com/consumeradvice/mortgageadvice/item/1007833-20171215-how-to-keep-your-mortgage-approval-approved?rtmpage=null

Home values are important regardless of when you plan to sell your home. When you make changes to the home, you need to be aware of what will get you the most "bang for your buck" so to speak. With that in mind, here are ten tips to help increase your home's value.

1. The first being landscape. Landscaping is extremely important to present it to other people. It doesn't have to be extravagant, but maintaining is crucial. Look at some of our other videos for tips there.
2. Fix minor repairs; don't give the next owner a laundry list to do.
3. For a refresh and updated look, paint the walls. Simply and easy!
4. If you plan on making major enhancements to the home, consider updating kitchen
5. Or consider updating a bathroom as those usually have the most bang for your money.
6. Increasing storage options would be a good choice, such as built-in shelves or closet spaces.
7. Installing good windows.
8. Make improvements energy efficient to keep home current on trends.
9. Don't forget about curb appeal too!
10. And of course, a well-appointed master suite will give the illusion of luxury and relaxing Saturday mornings.

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source:  https://www.homes.com/blog/2017/04/10-tips-to-help-increase-your-homes-value/

Buying a home is like searching for a mate. You'll go on many first dates and in the end, the one that has most, but maybe not all of the characteristics that you want will win your heart.

However, first-time buyers and sometimes even serial homebuyers are disappointed by how long the process takes. Yet they may not understand how their expectations, beliefs, and lack of action may be causing the delay in finding the right home.

Here are five pitfalls that buyers can fall into that cause them to let the right home slip by.

Seeing a home "as-is". I don't mean that buyers should not view homes on the market that are listed for sale "as-is"; rather I mean not being able to see beyond the "as-is" home. In other words, some buyers walk into a home and are immediately turned off by something as simple as the color of paint which can be easily changed, or maybe it's the carpet or wallpaper. Regardless, when buyers see the home "as-is" without the ability to envision it differently, they do themselves a huge disservice and fall into a pitfall of thinking that the home is not right simply because of the condition they are currently seeing it in.

Not working with an expert agent. Buyers can weed through the paper and click around the Web looking for open houses and listings but a quality agent can help identify the best-suited properties much faster. An expert agent also often knows about other listings that are about to come on the market and would not be in the paper or on the Web yet. It's worth it to spend time interviewing agents to find the right one who can help you find the right home. If you fall into the pitfall of trying to do everything on your own, you're likely going to miss seeing some of the houses that might offer the best match for your wants and needs.

Letting the important things slide. We've all done this when making an expensive purchase. We compromise on something that is important simply because it's less expensive. Later we regret it. Whether it's a new car, new house, or flat screen TV, when you're making large purchases, you need to know which things are important and non-negotiable and then stick to that list. Of course, there may be some small, less important things that you'll compromise on, but if you compromise on something big that is important to you, you're likely going to be disappointed down the road.

There is a reason you were searching for a three-bedroom home. So, for instance, when you fall in love with that quaint, cozy two-bedroom home, remember that you had specific reasons for needing an additional bedroom. If you've clearly defined your living needs and wants before you begin house hunting, you'll have guidelines to keep you on track.

You might find that the smaller home has a secondary unit on the property and, while it's not a third bedroom, it will suit your needs. So, yes, be flexible and think of the possibilities, but do remember your list of what you originally deemed important. The tendency is to get caught up in the moment, either because a home is so charming or because it appears to be such a good deal that you start to say, "Well, I can make-do without that." Maybe you can...but you'd better be certain before you close escrow.

Living strictly in the moment. Most of the time I write about practicing living in the moment because so many of us lead hectic lives. But when you're buying a home, you'd better be thinking about the future. What's good for you today will likely need to be good for you for many years to come. So, do your homework to find the right home. Work with your agent to find out how the neighborhood is changing. What future plans are there for the community? Pay attention to the congestion of an area and to the types of retail shops and restaurants that are coming into the community...then compare that to your future plans. You can't always know what lies ahead but many times you can see what types of projects have been proposed for undeveloped land in the area.

Skipping an inspection. I've written a lot about this one. Inspections are critical. They're the equivalent of taking a car you want to buy to your car repair shop for a look before you buy. Just like you don't want to end up with a lemon for a car, you don't want a home that has too many and too costly repairs needed. Inspections give you a "health" check of the home. They let you know what you're in for should you buy the home. You'll be glad you have a report to help validate your reasons for wanting to purchase this home over others.

Avoiding these pitfalls will help you more quickly find the right home and the right investment for your future.

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source: https://realtytimes.com/consumeradvice/buyersadvice/item/1006598-20171103-what-keeps-buyers-from-finding-their-next-home?rtmpage=null

Many homeowners struggle with the decision of purchasing a  home warranty plan. You're probably already paying a mortgage, and likely utilities too. So it's understandable if adding another monthly payment is unappealing. But investing in the safety of your home with a home warranty could make a huge difference in your family's financial security and peace of mind.

Consider your appliances

When considering a home warranty, it's important to first think about your systems and appliances. How long has your washing machine been washing and your air conditioner cooling? You may be surprised that decades of use aren't necessarily required before a breakdown occurs. According to the Huffington Post, 25 percent of front-loading washing machines and 20 percent of dishwashers break within three to four years.

While home insurance will typically cover appliances in the case of theft, fire or other disasters, they will not cover problems caused by normal wear from use over time. If your appliances are several years old or get a lot of use, a warranty could be a critical investment.  

Consider your finances

While new appliances are less likely to break down or have problems, you can't predict just when you'll run into problems. So whether your home and systems are old or new, it's important to consider your finances. While a monthly fee may be unappealing, did you know that the San Francisco Chronicle reported that in 2013 the cost of a new gas furnace was anywhere from $1,700 to $12,500? Or that Consumer Reports magazine reported in 2010 that tests showed that top-loading washing machines that cost less than $500 don't wash well? That means you'll be looking at a bill of more than $500 to replace your model if it breaks. If you're at a financial position where you can't afford that kind of lump sum payment, you might want to give a warranty some serious thought. Chicago Now reported that if one of these major repairs would break the bank, you should probably consider purchasing a home warranty.

Consider HMS

When it comes to home warranties, you want to work with a company that you can trust. With a plan from HMS, you'll know up front just what your warranty does and does not cover. Let us help you choose an affordable plan that will protect your family and your home from problems and failures with your major systems and appliances.

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source:  https://askhomesale.com/2016/09/26/do-you-need-a-home-warranty/

In today's market, with home prices rising and a lack of inventory, some homeowners may consider trying to sell their home on their own, known in the industry as a For Sale by Owner (FSBO). There are several reasons why this might not be a good idea for the vast majority of sellers.

Here are the top five reasons:

1. Exposure to Prospective Buyers

Recent studies have shown that 95% of buyers search online for a home. That is in comparison to only 17% looking at print newspaper ads. Most real estate agents have an internet strategy to promote the sale of your home. Do you?

2. Results Come from the Internet

Where did buyers find the home they actually purchased?

• 49% on the internet
• 31% from a Real Estate Agent
• 7% from a yard sign
• 1% from newspapers

The days of selling your house by just putting up a sign and putting it in the paper are long gone. Having a strong internet strategy is crucial.

3. There Are Too Many People to Negotiate With

Here is a list of some of the people with whom you must be prepared to negotiate if you decide to For Sale By Owner:

• The buyer who wants the best deal possible
• The buyer's agent who solely represents the best interest of the buyer
• The buyer's attorney (in some parts of the country)
• The home inspection companies, which work for the buyer and will almost always find some problems with the house
• The appraiser if there is a question of value

4. FSBOing Has Become More And More Difficult

The paperwork involved in selling and buying a home has increased dramatically as industry disclosures and regulations have become mandatory. This is one of the reasons that the percentage of people FSBOing has dropped from 19% to 8% over the last 20+ years.

The 8% share represents the lowest recorded figure since NAR began collecting data in 1981.

5. You Net More Money When Using an Agent

Many homeowners believe that they will save the real estate commission by selling on their own. Realize that the main reason buyers look at FSBOs is because they also believe they can save the real estate agent's commission. The seller and buyer can't both save the commission.

A study by Collateral Analytics revealed that FSBOs don't actually save anything, and in some cases, may be costing themselves more, by not listing with an agent. One of the main reasons for the price difference at the time of sale is: 

"Properties listed with a broker that is a member of the local MLS will be listed online with all other participating broker websites, marketing the home to a much larger buyer population. And those MLS properties generally offer compensation to agents who represent buyers, incentivizing them to show and sell the property and again potentially enlarging the buyer pool."

If more buyers see a home, the greater the chances are that there could be a bidding war for the property. The study showed that the difference in price between comparable homes of size and location is currently at an average of 6% this year.

Why would you choose to list on your own and manage the entire transaction when you can hire an agent and not have to pay anything more?

Bottom Line

Before you decide to take on the challenges of selling your house on your own, sit with a real estate professional in your marketplace and see what they have to offer.

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source:  https://www.keepingcurrentmatters.com/2017/12/26/top-5-reasons-you-shouldnt-fsbo/

When a bidding war starts on a home, it's great news for the seller. Except, of course, when you're the one who's trying to buy the home – in this case, a bidding war can be frustrating and stressful. Hopefully, you're aligned with an experienced real estate agent because a good agent is a reliable source of information and advice who can help navigate you through the process.

However, even the greatest agents can't guarantee victory. There are dozens of reasons why a seller may pick one bid over the others, and it doesn't always come down to who bids the highest. But, there are some things you can do to help make your bids look more attractive to the seller. Here are five tips that might just help you win the bidding war.

#1: Get Pre-Approved by Your Lender

These days, no smart home buyer enters the field without first getting pre-qualified for a mortgage by their lender. One way to stand apart from the other bidders is to take things a little farther by getting pre-approved for your mortgage. 

While a pre-qualification states that the bidder has the income and credit history necessary to qualify for a mortgage, a pre-approved mortgage is already underwritten and just waiting for appraisal. A letter from the lender indicating that you are pre-approved for a mortgage carries a lot of weight in a bidding war, and shows the seller that you are serious about buying their home.

#2: Keep the Contingencies to a Minimum

Every home buying negotiation usually consists of certain contingencies being named by the buyer. This can include anything from asking the seller to pay some or all the closing costs, to the seller making necessary repairs before the home is sold.

Sellers don't like contingencies, especially in a bidding war situation. So, if you really want the home you're bidding on, then you will want to keep your contingencies to a minimum, if any at all. A bid with no contingencies will definitely grab the seller's attention.

#3: Use an Escalation Cause

An escalation clause is a contract addendum that can be very helpful in a bidding war. This clause enables you to raise your bid by a certain amount and up to a certain amount. For instance, if you place a bid on a home for $150,000, you can include an escalation clause that will increase your bid by $2,000 any time another bidder outbids you up to a certain amount, like $180,000.

If the bidding war reaches $180,000 and someone bids over you, then you are automatically taken out of the running. An escalation clause ensures that you are always the top bid up to the highest amount you're willing to pay.

#4: Build a Relationship With the Seller

In serious bidding wars, it can serve you well to write a personal letter to the seller. In it, you should explain how much you love their home and what it would mean to you and your family to live in it. You can even include a picture of your family, so the seller sees the face behind the bid.

#5: Be as Flexible as You Can

If you are outbid and you just can't afford to make another bid, one way you can make a seller choose your bid over the higher one is to be more flexible on the closing. For instance, you can give the seller extra time to move out of the home. Or, if the home is vacant, you can offer to close on the home earlier than usual. You can even offer to rent the home back to the seller for a period, so they can have more time to find their next home.

Winning a bidding war often involves much more than just making the highest bid. A home seller is always emotionally connected to their home, despite putting it on the market. They want to know that the person they are selling their home to will love it as much as they do. Keep this in mind when you're involved in a bidding war and follow the above tips to give you the best chance of winning.

Selling Secret #10: Pricing it right

Find out what your home is worth, then shave 15 to 20 percent off the price. You'll be stampeded by buyers with multiple bids — even in the worst markets — and they'll bid up the price over what it's worth. It takes real courage and most sellers just don't want to risk it, but it's the single best strategy to sell a home in today's market.

Selling Secret #9: Half-empty closets

Storage is something every buyer is looking for and can never have enough of. Take half the stuff out of your closets then neatly organize what's left in there. Buyers will snoop, so be sure to keep all your closets and cabinets clean and tidy.

Selling Secret #8: Light it up

Maximize the light in your home. After location, good light is the one thing that every buyer cites that they want in a home. Take down the drapes, clean the windows, change the lampshades, increase the wattage of your light bulbs and cut the bushes outside to let in sunshine. Do what you have to do make your house bright and cheery – it will make it more sellable.

Selling Secret #7: Play the agent field

A secret sale killer is hiring the wrong broker. Make sure you have a broker who is totally informed. They must constantly monitor the multiple listing service (MLS), know what properties are going on the market and know the comps in your neighborhood. Find a broker who embraces technology – a tech-savvy one has many tools to get your house sold.

Selling Secret #6: Conceal the critters

You might think a cuddly dog would warm the hearts of potential buyers, but you'd be wrong. Not everybody is a dog- or cat-lover. Buyers don't want to walk in your home and see a bowl full of dog food, smell the kitty litter box or have tufts of pet hair stuck to their clothes. It will give buyers the impression that your house is not clean. If you're planning an open house, send the critters to a pet hotel for the day.

Selling Secret #5: Don't over-upgrade

Quick fixes before selling always pay off. Mammoth makeovers, not so much. You probably won't get your money back if you do a huge improvement project before you put your house on the market. Instead, do updates that will pay off and get you top dollar. Get a new fresh coat of paint on the walls. Clean the curtains or go buy some inexpensive new ones. Replace door handles, cabinet hardware, make sure closet doors are on track, fix leaky faucets and clean the grout.

Selling Secret #4: Take the home out of your house

One of the most important things to do when selling your house is to de-personalize it. The more personal stuff in your house, the less potential buyers can imagine themselves living there. Get rid of a third of your stuff – put it in storage. This includes family photos, memorabilia collections and personal keepsakes. Consider hiring a home stager to maximize the full potential of your home. Staging simply means arranging your furniture to best showcase the floor plan and maximize the use of space.

Selling Secret #3: The kitchen comes first

You're not actually selling your house, you're selling your kitchen – that's how important it is. The benefits of remodeling your kitchen are endless, and the best part of it is that you'll probably get 85% of your money back. It may be a few thousand dollars to replace countertops where a buyer may knock $10,000 off the asking price if your kitchen looks dated. The fastest, most inexpensive kitchen updates include painting and new cabinet hardware. Use a neutral-color paint so you can present buyers with a blank canvas where they can start envisioning their own style. If you have a little money to spend, buy one fancy stainless steel appliance. Why one? Because when people see one high-end appliance they think all the rest are expensive too and it updates the kitchen.

Selling Secret #2: Always be ready to show

Your house needs to be "show-ready" at all times – you never know when your buyer is going to walk through the door. You have to be available whenever they want to come see the place and it has to be in tip-top shape. Don't leave dishes in the sink, keep the dishwasher cleaned out, the bathrooms sparkling and make sure there are no dust bunnies in the corners. It's a little inconvenient, but it will get your house sold.

Selling Secret #1: The first impression is the only impression

No matter how good the interior of your home looks, buyers have already judged your home before they walk through the door. You never have a second chance to make a first impression. It's important to make people feel warm, welcome and safe as they approach the house. Spruce up your home's exterior with inexpensive shrubs and brightly colored flowers. You can typically get a 100-percent return on the money you put into your home's curb appeal. Entryways are also important. You use it as a utility space for your coat and keys. But, when you're selling, make it welcoming by putting in a small bench, a vase of fresh-cut flowers or even some cookies.

I am a multi-million dollar producer and proud to be part of the Bob English team. Let our experience of more than 30 years go to work for you.  I will help you every step of the way.  I look forward to working with you. Click HERE to find your next home or to see what your current home is worth. Phil Kuntz 717-575-8076 | kuntzp23@comcast.net 

Source:  http://www.hgtv.com/design/decorating/design-101/10-best-kept-secrets-for-selling-your-home