Step by step gutter cleaning

IMG_4586A gutter’s job is to carry rainwater away from your roof and your foundation.  When gutters get filled with leaves and debris, backed-up water can get into your house and cause damage.

If you clean your gutters out twice a year, you can prevent a lot of problems down the road.  It’s probably not your favorite task, but just keep it simple and you’ll be done in no time.

Tools You’ll Need:  Ladder, gloves, small hand rake or trowel, hose, garbage bag or bucket.

Step 1: Set up your ladder on a flat surface near the downspout.

Step 2: Remove large debris using the hand rake or trowel and put it in the garbage bag or bucket.

Step 3: Moving the ladder and repeating Step 2, work your way along the length of the gutter.

Step 4: At the far end from the downspout, flush the gutter with the hose, using a high-pressure nozzle or gutter-cleaning hose attachment.

Step 5: While the water is running, check for leaks and make sure the water runs freely through the downspout.

Step 6: Clear any downspout obstructions with the hose or a plumbers ‘snake’.


Laundry Tips to Save Your Clothes

IMG_38731. Sort by fabric.  Sort your laundry by fabric and keep delicates fine by washing them separately from coarser fabrics like denim or towels.

2. Dab, don’t rub.  Rubbing stains out can make the stain worse and wear down the fabric.  Instead, dab gently and contain the stain by working from the outside in.

3. Use minimal detergent.  Using too much can leave a residue that can actually collect dirt and lead to bacteria build-up.  Cut the amount you use by half and see if it still does the job.

4. Zip it.  Make sure zippers are zipped all the way up before washing to prevent the metal teeth from snagging on other clothing.

5. Unbutton.  The action of the washer and dryer can pull at buttons that are in their buttonholes and possibly pop them off, so unbutton before you wash.

6. Refresh a stale load.  If you’ve forgotten a loan in the washer for more that 24 hours, rewash it with 1 cup white vinegar (and no detergent) to eliminate the mildew smell.

Tricks for a Clean Mirror

IMG_4527Daily Cleaning:

Wipe mirror with a soft, lint-free cloth or coffee filter dipped in rubbing alcohol.  This is especially useful for getting rid of the dull film that builds from use of hairspray or other beauty products.

If you are out of alcohol, try antiseptic mouthwash.

Looking for less drip? Try gel hand sanitizer.

Removing water spots:


  • Wipe down mirror with crumpled newspaper for a streak-free shine.

Anti-fog treatment:

  • Mix a quart of hot water with 2 Tbsp. vinegar and use to wipe down mirror. Let the water air-dry, and your mirror shouldn’t fog up again for up to three weeks.
  • Before you get in the shower, spread a thin layer of foam shaving creasm over the mirror.  After the shower, wipe it off with a paper towel.  Should prevent fogging for up to three weeks.
  • For instant de-fogging, just use your hairdryer.



What does your ‘Front Door’ say about you?

IMG_3345We know that different colors evoke different emotions in people, but color experts say color can also be an indicator of your personality, even on your front door.

The front door is the focal point of the home and the color there sends a strong message – in the case of the front door, providing insight into how we view our home.

Here is the message that you might be sending you’re your door of a different color;

Red – passion, vibrant and ‘full of life, energy and excitement’

Brown – warmth, stability and reliability.

Blue – sanctuary, calm, serenity, and relaxation.

Green – health, safety, tranquility, and harmony.

Black – power, sophistication, strength, and authority.

If none of those colors work for you, also consider yellow (happiness, high energy), purple (dreamer, free spirit) or white (clean, organized). The best part is that if you try something and it just doesn’t work, changing the color is as easy as just painting over it.

Don’t be left Out Cold

IMG_1820Before the hustle and bustle of the holiday season sets in, add winter-proofing chores to you home to-do list. Protect your home from winter’s woes with these tips from

Heating Basics. Replace old thermostats with programmable ones that allow you to lower the temperature when you’re away from home. Turn on your furnace to ensure it works (run it the full cycle from warm-up to blowing heat to shutting back off again). Peek into your ducts and clean away the mold, dust, pests, and debris.

Winter Windows. Inspect your windows and doorframes for gaps that would allow water to seep in. Use low-expansion spray foam to fill any you find.

On the Inside. Seal and insulate the wall around electrical outlets and pipes that connect to the exterior of your home. Check that smoke detectors and carbon monoxide monitors are working.

On the Outside. Clear out debris around windows. Fill cracks in your pipes with expanding foam insulations or caulk. You’ll also want to clip tree branches that are too close to your house in case of a bad storm.

Seasonal Gardening Tips

Now that summer is winding down, it’s time to start changing gears in the garden. Here is a list of some things you IMG_0286might do to clean up your garden and get ready for colder weather.

  1. Harvest / remove remaining fruits and vegetables, including green tomatoes.
  2. Dig up and divide crowded perennials.
  3. Remove spent annuals. (You can use their husks to mulch overwintering plants.
  4. Stop fertilizing and pruning.
  5. Bring houseplants and tender plants such as geraniums indoors.
  6. Plant perennials, trees and shrubs so they can establish healthy roots over the winter.
  7. Start planting bulbs for spring bloomers such as crocuses, daffodils and tulips.
  8. “Season” holiday plants, including poinsettias and Christmas cactuses, by giving them 10 hours of bright daylight and 14 hours of darkness.

Solar Lighting for your Landscaping

Add accents to your yard or garden and increase safety outside your house by using solar lighting in the landscape. What used to be seen as a luxury item is now widely available to most homeowners at a reasonable cost thanks to solar technology.

Solar lights contain solar cells that store energy from the sun during the day and convert it to electricity, which charges a battery that powers a light. Lights can have a sensor that turns them on when it gets dark or they can be turned on manually. Since they aren’t wired together, individual lights can be placed anywhere the sun shines.

The lights typically don’t burn as bright as wired lights, and if your yard is heavily shaded, your lights won’t shine as brightly or for as long. You may want to test a few lights before you invest in a full set.

Kitchen Upgrade

IMG_4829Are you ready for a kitchen upgrade but lacking an ‘everything but the kitchen sink’ kind of budget? Plenty of low-cost improvements can revive a kitchen without the need to rip out cabinets and rewire appliances. Consider these tips from ‘This Old House and HGTV’.

Color Splash: With a new coat of paint and some other accents, you might not even recognize your own kitchen. Make over dark wood or white cabinets with a cool hue, such as pale sage green, or create visual impact by painting a focal point, such as your island, a bold color. A tile backsplash, graphic prints and new hardware are also inexpensive ways to add personality.

See the Light: A kitchen needs light to be functional but oversized task lights can also improve the vibe and tie other details together. Track or recessed lighting can by pricey, so look for pendants that can go above a kitchen island and mirror the style of hardware on your faucet and cabinets. Try under counter lighting too.

Store more: Short on Storage? Try hanging pot racks overhead. Position them close to the range and away from where you’d hit your head. Built-ins can be expensive, so look at your local hardware stores for pull out storage kits and organizers to fit your current cabinetry.

Your Financial Strategy;

re-financeCash Flow

When you create your financial strategy, it’s important to know how much money you have access to and how, if possible, you can increase that amount. This money is your cash flow and can help you accomplish many things, including reducing or eliminating debt and increasing your savings.

Here are some strategies you can use to increase your cash flow:

  • Create a budget for your monthly expenses and needs – and stick to it
  • Spend less than you earn
  • Raise deductibles on your auto, homeowners and other insurance policies, which  can help to lower premium
  • Look for ways to earn higher interest on money that is currently in low-interest savings accounts
  • Start a second career or a part-time business to earn additional income

Proper Protection

A big part of building a sound financial strategy is life insurance. Life insurance helps protect your loved ones in the event of your death. It not only helps replace lost income, but it can also help preserve your family’s assets.

A basic rule of thumb is to have enough life insurance to provide approximately 10 times your annual family income. For example, if your current household income is $50,000, you may want to consider having $500,000 in life insurance protection.

Debt Management

One of the biggest obstacles to a sound financial future is consumer debt. It’s important to have a strategy that can help reduce and eliminate debt.

Here are some approaches you can take:

  • Pay  more than the minimum, as much as possible within your budget, on the credit card/ loan with the highest interest rate. Once you pay off that credit  card/loan, begin paying off the next highest interest rate credit  card/loan.
  • Consider transferring credit card/loan balances to a card with a low interest rate  that is offering a promotional, no fee transfer option. Don’t hesitate to call the issuers of all your credit cards to ask for a lower rate.
  • Quit  charging. Put your credit cards away so you don’t consider charging on  them while you’re paying down your debt or after it’s paid off.

Emergency Fund

No matter how much you plan in life, the unexpected happens. To prepare for life’s little “disasters,” set up an emergency fund to help pay for any resulting expenses. A basic rule of thumb for determining how much you should set aside is three- to six-months of your total expenses.

Don’t think you need an emergency fund? Consider these potential expenses and scenarios:

  • Major car repairs
  • Major home repairs
  • Major appliance repairs or replacement
  • Loss of a job
  • Serious illness or hospitalization
  • Extended elder care or long-term care

Having an extra source of funds gives your family peace of mind during a stressful time.

Build Wealth

When developing your financial strategy, it’s important to ensure you put a long-term asset accumulation program in place that strives to outpace inflation and reduce taxation. When determining the best program for you, ask yourself the following questions:

  • How  long do I expect live?
  • How  much it will cost to live comfortably during those years?

There are key financial concepts that can help you as address these questions. For example, the Rule of 72 is an estimation of the time it takes for money to double.  Additionally, understanding the cost of waiting gives you an idea of the financial advantage of starting to save today.

Preserve Wealth

An essential part of your financial strategy is ensuring that the wealth you accumulated over the years is not impacted by taxes or other unintended consequences. A well-designed strategy can:

  • Eliminate probate costs
  • Help manage estate taxes
  • Ensure  your legacy reaches your intended heirs, including any life insurance  coverage, pensions and annuities
  • Provide  an opportunity to set up medical and financial powers of attorney so that,  should you become incapacitated, someone can take care of your finances,  make medical decisions for you and more.


Please consult with your attorney and/or tax advisor for guidance regarding your specific circumstances.

Counter Offer options

pay billsWhen you receive a written offer from potential buyers, it will declare how much they are wiling to pay for you home.  It will also include such details as how their purchase will be financed, their preferred closing date, when they wish to take possession of your property, and the amount of their deposit (earnest money deposit).

Once you have reviewed the buyer‘s conditions, you may choose to submit a counteroffer.  In some instances, an entirely new contract can then be drawn up.  This counteroffer will include your modifications as well as the original terms proposed by the buyers to which you agree.  The buyers will then have a set time-frame in which to respond.  Buyers may or may not agree with your modifications, so there can be counteroffers back and forth before you both agree on the terms of the sale.

There are many reasons to negotiate counteroffers, but if you have already bought another home, then you may want to minimize negotiations in order to speed up the transaction. On the other hand, if you have one or more nonnegotiable requirements, then I will continue presenting counteroffers to the buyers until you are satisfied.

As a real estate professional, my goal is to be of service to you for any issues pertaining to your housing needs.