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Invest Your Tax Refund In Your Home

Wednesday, February 21, 2024
by Tucker Robbins


If you are planning on doing some homework with your refund, here are a few suggestions on how best to spend that money! 

 

$1,000 or Less 

  • Add or improve your front walkway.  Whether you plan on putting your home on the market soon or not, a new walkway will improve the curb appeal.  

  • Replacing the front door is an expensive job, but you can create a whole new look for the front exterior of your home just by having a new front entranceway. 

  • Install new light fixtures, especially if you’re tired of the builders-grade fixtures. If you shop smart, you can get stylish new flush-mount lights for every room. 

  • Do a minor bathroom renovation:  replace the toilet, faucets, and lights, and give the tub/shower a makeover with a refinishing kit. 

  • Paint the kitchen cabinets, replace the hardware, and add a tile backsplash. You won’t believe what a difference those three minor renos will make! 

  • Upgrade one kitchen appliance.  
     

$1,000-$2,000 

  • Any repairs that you’ve put off because of cost should be done before any improvements to renovating is done. Protecting your investment is more important than new bathroom tile. 

  • If your front lawn is a black canvas, hire a landscape designer to create some improvements.  

  • Have your “popcorn” ceilings removed by a pro and add new crown molding.  

  • Tankless water heaters, whether you choose whole-house or single-point, are worth the investment as you’ll see a difference in your electric bills. 

  • If you’re handy, you can take on a DIY job and save money: paint your home’s exterior, install new flooring, add wainscoting, or install kitchen countertops. 

 

As much as you’d like to see something physical after spending your tax refund, paying any accumulated debt down or investing it will pay you back in the long run. Check out these ideas from Investopedia,  and take off some of that financial load you may be bearing! 

 

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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House Hunting Homework

Thursday, February 15, 2024
by Tucker Robbins


There is plenty to do to prepare for buying your new home, and once you’re actively touring homes or stopping into an open house, you can draw a blank when it comes time to ask specifics.  Have some questions ready to prepare yourself so you won’t forget! 

 

Open House and Walkthrough 

  • - How long has the house been on the market, and are there any current offers? The length of time it’s been for sale can mean savings for you, or you may not want to bother if there are already multiple offers. 
     

  • - Why is the current owner selling?  This may seem like prying, and you may not get the exact answer, but it can add flexibility to price negotiations if the owner is ready for a fast sale. 
     

  • - Ask for a seller’s disclosure before you think about making an offer. Check this list for your state’s info about what the seller must tell you before buying the house.
     

  • - How old is the roof? An older roof that has issues can either cost in the long run, or give you a discount on the sale price if it need replacing. 
     

  • - If it isn’t obvious, ask when the house was last updated.  With people living longer, some could have lived in the same home for fifty years and done nothing else besides redecorating. 
     

  • - Condition of the home’s systems are important, so inquire about the age of the water heater, electric, plumbing, security and climate control systems. 
     

  • - How is the home heated and insulated, including the attic?  You need to have a good idea of what your utilities will cost, and heating can be expensive, whether it’s propane, electric, or geothermal if the insulation needs improving. 
     

  • - Has the house been treated for pests on a regular basis?  This can keep a lot of headaches at bay in the long run. 
     

  • - What is included in the sale price, and are any warranties still active?  You don’t want to be surprised when you start moving in and find out you have to buy all new appliances. 
     

  • - You may be moving in the same general area, but a different city or county.  Property taxes vary per location, so make sure you know how much you will be paying if you eventually purchase the home. 
     

  • -If your prospective new home is in a historic district or homeowner’s association, there will be restrictions on how you renovate or build an addition, and fees for HOA.  Ask your realtor for these details. 

 

Pay Attention 

  • - While you’re on your walkthrough, pay attention to traffic and nearby surroundings.  Spend several minutes outside in the front and back yards and listen for any traffic noise, or a noisy possible neighbor. 
     

  • - Is your prospective new home on a busy shortcut street in the mornings and evenings?  Make time to discover for yourself and drive through on your way to or from work. 
     

  • - Look closely at fresh paint jobs for cracks or possible mold.  Sometimes, that new paint is covering up a problem. 
     

  • - Check your mobile phone for signal strength.  Different areas can be dead zones. 
     

  • - Drive through the area one evening after most people are home from work.  Is there plenty of parking available? 

 

Using these opportunities to find all the information you can about a potential new home is imperative when you know you’ll be looking at many different homes on the market.  Do your homework--keep a list of questions on your mobile phone’s notepad app so you won’t forget anything, or use a clipboard if you’re looking at multiple houses, keeping this information better organized. Since buying a home will most likely be your biggest investment, you want to be certain your money will be spent wisely. 

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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Preventing and Getting Rid of Mold

Wednesday, February 7, 2024
by Tucker Robbins


Mold is a subject that strikes fear in many people.  Though the toxic form of black mold is rare, there are plenty of other types that invade our bathrooms, basements and other places in our homes. Let’s look at the best ways to get control over any mold problem anywhere we find it. 

The bathroom is the most common place for mold, because it has all the right conditions for mold growth:  moisture, a place to grow, and food. 

  • - Use the exhaust fan every time you shower, and if your bathroom isn’t equipped with one, crack the window to allow the steam to escape. 

  • - Wipe down the shower walls and door when you’re finished, leaving the door open until everything is completely dry. 

  • - If you use a shower curtain, use an anti-mold spray, commercial or homemade, to spray the curtain down, and pull the curtain to its fullest length to dry. 

  • - Any leaks should be repaired immediately and inspect under the sink every few weeks to make sure everything is dry in the cabinets. 

  • - If you have a tile bath, give the grout a waterproof seal once a year. 

  • - When you do find mold on hard surfaces, the CDC recommends mixing a solution of no more than 1 cup of household bleach in a gallon of water.  Provide good ventilation, spray on affected areas, leave for five minutes, rinse, and allow to dry. 

  •  

Other common places for molds to grow, especially this time of year when we have the heat on, are closets, window sills, basements, and floors around entryways.

  • - Use washable mats and throw-rugs with waterproof backing at doorways. 

  • - Keep your home’s humidity below 40%.  Using a humidifier is a necessity in Winter, and you may need to use a hygrometer to help you keep moisture levels in check. 

  • - Occasionally inspect your fridge’s drip pan for excessive moisture, and clean according to manufacturer’s instructions. 

  • - Attics can be the first-place mold can start in case of a leaky roof, so get the roof repaired immediately, and clean the mold as soon as you discover it.  Be sure there are no leaves or other obstructions blocking the attic’s vents. 

  • - Having the crawl space of your home encapsulated can be expensive, but it is the only solution to keeping moisture from coming up from the ground and can help you see standing water in case of plumbing leaks. 

  • - The EPA has some tips for mold cleanup, as well as information on when to call in a pro for removal.  

 

There are many products available to help keep moisture in your home at bay.  Desiccant bags containing silica gel are great for hanging in small places such as closets.  Small non-electric dehumidifiers are also available for larger areas, and whole-house dehumidifiers are another option, just more expensive.  While not all molds are toxic, they are allergens, and prevention and action are keys to a healthier, mold-free home.


Courtesy of New Castle County DE Realtors Tucker Robbins.   

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Stay Healthy This Winter

Wednesday, January 31, 2024
by Tucker Robbins


Winter is a great time to binge-watch our favorite streaming series, read books we haven’t had time to read, gather with friends for dinner and game night, but it’s also a great time for letting our health regimen go by the wayside.  This opens the door for illness, and no one has time for that.  Keep yourself feeling and doing your best with this guideline! 

You and Your Home 

  • - If you didn’t get exercise equipment or a gym membership over the holidays, it doesn’t give you an excuse not to exercise.  Walking is really an easy yet important way to burn off those holiday calories.  The cooler temps help you burn more because it takes more energy to stay warm, even while hitting the sidewalk.  A win-win exercise! 
     

  • - We may not be doing a lot of perspiring, but water is still essential to our good health.  Eight 8 ounce glasses a day will keep you hydrated, and your skin will thank you, too, as water helps battle the dry, itchy skin we get in Winter. 
     

  • - Keep surfaces in your home wiped down with all-purpose cleaner and warm water.  This is better than using disinfectants, as viruses and bacteria can become resistant to these ingredients, as noted with the FDA banning triclosan, a popular antibacterial additive in hand soaps. 
     

  • - If you do get sick--stay home and rest! The more you are out and about not only makes you feel worse and lengthens your recovery, the more you spread what you have! 

 

Your Mother Was Right! 

  • - Wash your hands! Using plain soap for forty-five seconds and a warm water rinse is all you need to fight germs.  
     

  • - Cover sneezes and coughs preferable with a disposable tissue, and if that isn’t available, cover your mouth and nose in the crook of your arm. 
     

  • - Avoid shaking hands, especially if someone is sick or has been around someone who is sick. 
     

  • - Take your vitamins! A daily multivitamin at mealtime is a great way to keep you healthy and getting the nutrients you need, especially vitamin D, which goes lacking somewhat in the colder months when we aren’t spending as much time in the sunshine. 
     

  • - Go to bed! Rest is so important to your overall health, and with the longer nighttime hours, it may be easier for you to get a full 7-8 hours a night.  Your immune system works better when you’re rested up. 
     

  • - Eat your vegetables--this is a no-brainer, anyway, but leafy greens, beans, and citrus are the best for the antioxidants you need to keep your immune system strong. 

 

Even in Winter, our fast-paced lives can keep us from being diligent about staying healthy when it’s more important than the warm months. The get-togethers in close quarters, die-hards that come to work with a cold, and viruses our kids bring home from school are all standards of germ-sharing this time of year.  Taking care of yourself and your family may take a little extra effort, but you’ll be healthier and happier in the long run. 

 

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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Reasons to Consider Moving During the Winter

Wednesday, January 24, 2024
by Tucker Robbins

If you are considering selling your home and moving into another one, you may want to consider doing so during the winter time.  There are several reasons for this and those reasons are listed below for your consideration. 

  1.  If your plan is to hire a moving company to help you move then doing so in the winter can be a much cheaper time to do so.  Moving companies tend to be their busiest during the summer months, then slow down a bit in the fall and even more so during the winter months. The cheapest months to hire a moving company are typically January and February so now is the time to do so. 
  2. Another reason to consider moving during the winter time  is because storage units are typically a bit cheaper during the winter.   Many times storage facilities will become less full during the winter as folks have already moved their stuff out during the warmer months.  Also the storage companies are known for running specials during the winter to attract business. 
  3. If you choose to hire a moving company during the summertime you may find that you have a hard time hiring the one you really want because there are so many others trying to move during this time.  However, if you decide to move during the winter you are more likely to be able to hire the moving company of your choice due to less competition. 
  4. Yet another reason you might want to consider hiring a moving company during the winter  is due to the fact that the summer can get really hot and your items run a greater risk of getting destroyed by being hauled in a moving truck for a long period of time.  Things can melt, warp or just get plain hot and damp when the days get so terribly hot. 

These are just a few reasons why, if moving is in your future,  that you may want to go ahead and do it during the winter time instead of waiting until spring or summer.  

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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Saving Money for Your New Home Down Payment

Wednesday, January 17, 2024
by Tucker Robbins

 

With the new year here, many people are thinking about resolutions.  If you’re seriously considering buying a new home, you’ll definitely need to be thinking about having your down payment ready when you find the perfect house.  Follow these ideas for saving as much as you possibly can. 

 

  • - First and foremost, know your house-purchasing budget, and estimate needing 20% of that budget. 

  • - Set up a hands-off down payment high-yield savings or money market account. 

  • - Start cutting out expenses, or find ways to make extra money.  Every little bit counts. 

  • - If you plan on getting an end-of-year bonus or income tax refund, set aside that money to begin your new nest’s egg. 

  • - Sign up with your employer to deposit a portion of your pay into a down payment savings account if you’re not great at putting money into savings.  Most of the time, if you don’t see it, you don’t miss it. 

  • - Receiving gifts from family members towards your down payment require documentation so your  lender, as well as the IRS, knows where the money is coming from, and that the money doesn’t require re-payment.  More information about down payment gifts are here from The Mortgage Reports website. 

  • - Start paying off your credit card debt by paying more than the minimum payment.  Lowering and/or eliminating your card balance also lowers your interest rates, so you can start taking what you’d normally pay on credit cards and depositing it towards your down payment fund. 

  • - If you have investments in stocks or bonds, plan on liquidating those assets when it’s time to purchase your house.  Make sure you document these sales. 

  • - A pay raise at work is great, but if you happen to get one, stay on your old budget, and have the extra pay direct deposited into your down payment account. 

  • - You can always borrow from your 401k or IRA, but make sure you’re not having to pay penalties.  Talk with your account holder before you make any withdrawals. 

 

A down payment, especially at twenty percent, can look daunting.  If it just looks impossible, do your research.  There are many first-time buyer programs available, as well as lower down payment options through the USDA, the VA and state-specific programs.  Zillow has a terrific guide on low down payment guidelines and opportunities. Planning ahead and keeping your eye on your goal will get you well on the way to home ownership. 

 

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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First Time Homebuyer Courses That Make the Process a Breeze

Wednesday, January 10, 2024
by Tucker Robbins

You are reading that correctly--classes for home buyers! If you are just starting the home-purchase process, you may get overwhelmed when you find out all that is involved. Sadly, it is not as easy as finding a house, paying for it, then moving in. It is a great idea to learn all you can about the purchase process as well as being a homeowner. 

 

  • The Department of Housing and Urban Development has a list of free classes in every state, from credit counseling and home maintenance to housing for seniors. Select your state and find all that are available. 
     

  • Sign up before you have found a house you want to purchase! However, if you are purchasing your home through FHA, USDA, or other agency, you may be required to take the courses. 
     

  • Before deciding what workshop is best for you, make sure it is certified through HUD, and any credit courses are nonprofit and accredited by the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies.  
     

  • Credit counseling should take place about six months before you start looking at homes so you can learn about improving your credit score and creating a budget. You want the highest credit score possible in order to receive pre-approval for a mortgage. 
     

  • HUD-approved counseling agencies usually offer one-on-one sessions so you can get a better understanding of your financial situation, as well as answers to questions you may have. 
     

  • Many workshops have more than one “instructor;” you will hear from lenders, appraisers, inspectors, and insurance agents who will discuss their roles in the home-buying process. 

  • If there is no way to save or pay a 20% down payment, taking a workshop can help you find low down payment mortgages, as well as any grants that may be available in your community. 

 

When dreaming of buying your own home, do not allow the amount of information to overwhelm you and keep you from even trying! All it takes is this first step, and you will find that a home-buyer course will show you will not be alone on the road to homeownership. Once you learn the ropes of the process, you will feel confident when you contact a RealtorⓇ to begin your search. 

 

Courtesy of New Castle County DE Realtors Tucker Robbins.  

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Seven New Year Resolutions for Homeowners

Wednesday, January 3, 2024
by Tucker Robbins


New year, new you, right? Oh, we all seem to resolve to eat healthier, lose weight, kick dirty habits and all kinds of other things, but by the end of February, we find ourselves just trying to remember what our resolutions were, much less actually sticking to them! Homeownership is the same way--we start out with big ideas of what we’ll be doing to maintain it, then life gets in the way, and we fall short.  Get started with this guide: 

 

  • - Having an energy audit performed on your house will help you save not only energy but money, too. 
     

  • - Your dryer’s lint trap should be cleaned routinely after each load, but your vent and vent tubing should be cleaned at least annually.  Removing as much lint as you can helps dry your laundry faster and reduce the risk of fire. 
     

  • - Home security systems aren’t foolproof against hackers, and neither are smart home accessories.  Change passwords frequently, and don’t reuse passwords.  To make it even more difficult to hack, use two-factor authentication.  
     

  • - The Family Handyman has several tips for keeping the yard and yard tools in tip-top shape. 


  • - Resolve to cut the clutter in your house. While the temps are cool, and you’re spending more time inside anyway, take one room in your home per week to clean out and clean up. 
     

  • - Repair the little things that you overlook because they’re not necessarily a safety issue:  doorknobs that aren’t working, dripping faucets, or squeaky floors. Fix now to save you from something bigger happening and costing you more later. 
     

  • - Get your personal finances in order!  Commit to saving money, not only in the literal sense, but get the best rates on insurance, or consider refinancing your mortgage. NerdWallet has some great tips for building equity in your home. 
     

  • - Print out this free home checklist, and you won’t miss a thing each season! 

 

Find a good balance of taking care of home and taking care of you and your family.  Don’t spend every spare minute maintaining your home. Some projects can combine family and work time, like a big cleaning job, or yard work.  As important as it is to keep up your home, it’s important to keep up with family as well.   

 

Courtesy of New Castle County DE Realtors Tucker Robbins.  
 

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Start the New Year with New Savings Habits

Wednesday, December 27, 2023
by Tucker Robbins


When you are on a tight budget, savings may not necessarily be part of it. It can be easier than you think, however, and stashing money into a savings account is important not only for homeowners but for anyone. Check out these ideas and try adding them to your personal financial plans:  

 

  • Asking your employer if they offer a direct deposit paycheck program is wise. Not only does your money deposit a day earlier than others receive a paper check, but you can arrange for a certain amount to be put in a savings account.  
     

  • Cut back on lunch expenses on workdays and bring your own lunch. Add the normal cost of a take-out lunch to your savings account. 
     

  • Once a loan or credit card balance is paid off, add the payment amount you would normally make to your savings. 
     

  • Round off your checking account balance each week and transfer the difference to your savings account. In other words, if your final balance is $247.68, round it down to $240.68--or even better--$230.68.  
     

  • Save money on groceries by creating a meal plan each week and buy only the necessities for those meals with a limited number of snacks. Another way to save is to order your items online and pick them up at the store (it will save you from impulse purchases!). Watch your savings add up and put the difference in your savings each week.   
     

  • Sign up with a rebate shopping app like Rakuten (formerly Ebates) or Ibotta, and have the rebates sent to a PayPal account, and think of it as no-interest savings, and transfer the funds to your bank account whenever you want. Some rebate companies are now offering direct deposit as well. 
     

  • Believe it or not, unsubscribing from promotional emails can save money if you frequently click and buy through the emails they send. 

 

Once you develop a routine, saving becomes second nature. The increasing savings balance will encourage you to keep up the new habit, and maybe even find more ways to save!  

 

Courtesy of New Castle County DE Realtors Tucker Robbins.

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Natural Scents for Your Home

Wednesday, December 20, 2023
by Tucker Robbins

According to research done by Scentiments, 80% of Americans use home fragrances.  The choices can be overwhelming, and visitors and family members can be allergic to mass-produced products, as they likely contain chemical compounds.  Many people, however, have what they need for their home fragrances right in their pantries or available on grocery shelves! 

 

Fragrance Combinations 

  • - orange or lemon peels and whole or ground cloves 

  • - fresh rosemary stems and leaves, lemon peel, and a few drops of vanilla extract 

  • - lemon or lime peel and basil leaves, fresh or dry 

  • - sliced cucumber (or just the peel), basil leaves and a teaspoon of ground ginger 

  • - dried lavender, lemon peel and peppermint oil 

  • - grapefruit peel and lavender blossoms or rosemary stems with leaves 

 

--Mix one of the above combinations with a few cups of water, and simmer on your stove. Be sure to add more water as it evaporates, and the fragrance usually lasts about sixteen hours of simmer time.  If you have any scent left in the mixture but won’t be home to enjoy it, let the mixture cool, and store it in the refrigerator for up to a few days. The mixture can also be used in a small electric simmering pot. 

 

--All you need is a spray bottle, distilled water, and one of the Fragrance Combinations, and you’ve got custom room spray!  Add your favorite ingredients to the bottle, fill with distilled water, and allow to sit for a few hours.  Keeping the spray refrigerated will keep it fresh for a week.  If you want to keep it longer, a few drops of rubbing alcohol or witch hazel astringent will help with preserving it. 

 

--Air freshener beads can be made with polymer absorbent crystals normally used for potting soil!  Mixing the same ingredients as the room spray, add a few drops of rubbing alcohol to keep the mixture from spoiling.  In a bowl, mix one teaspoon of the crystals and one cup of your scented water. For a stronger scent, add a few drops of essential oil or extracts leftover from baking.  Once the polymer has absorbed all of the water, divide them into two pint-sized jars.  Use a scrap of lace to cover the top, and add the screw lid.  

 

--Because essential oils are another natural alternative, here is an easy DIY reed diffuser idea.  All you need is your favorite essential oil, a glass bottle and bamboo skewers! 

 

Remember that these natural scents will not be as strong as commercially-produced fragrances.  The good thing about using what comes from nature can be used more frequently without the worry of using added chemicals in your home.  It will take a bit of getting used to, but a naturally sweet-smelling home will be a reward in many ways. 

 

Courtesy of New Castle County DE Realtors Tucker Robbins.

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Tucker Robbins
Berkshire Hathaway HomeServices
3838 Kennett Pike
Wilmington DE 19807
(302) 777-7744 (direct)
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