Kicking Off National Homeownership Month!

Kicking Off National Homeownership Month!

Kicking Off National Homeownership Month! | Keeping Current Matters

National Homeownership Month actually started as a week-long celebration of homeownership during the Clinton administration in 1995. In 2002, President George W. Bush proclaimed June as the National Homeownership Month. Here is an excerpt from his proclamation:

“Homeownership is an important part of the American Dream…A home provides shelter and a safe place where families can prosper and children can thrive. For many Americans, their home is an important financial investment, and it can be a source of great personal pride and an important part of community stability.”

“Homeownership encourages personal responsibility and the values necessary for strong families. Where homeownership flourishes, neighborhoods are more stable, residents are more civic-minded, schools are better, and crime rates decline.”

“During National Homeownership Month, I encourage all Americans to learn more about financial management and to explore homeownership opportunities in their communities. By taking this important step, individuals and families help safeguard their financial futures and contribute to the strength of our Nation.”

If you are one of the many renters out there who would like to make the transition from renter to homeowner, contact a local real estate professional who can help evaluate your ability to do so.
Marcos Fullana, local real estate professional 305-385-8342 / mk@choiceone.us Choice One Real Estate Miami, Cutler Bay, Palmetto Bay, Pinecrest, Coral Gables
Erase Ugly Scratches from Your Wood Floors

Erase Ugly Scratches from Your Wood Floors

Dogs chase kids, pans drop, chairs scrape, and soon you must repair wood floors and erase scratches that make a mess of your red oak or Brazilian cherry. A professional floor refinisher will charge $1 to $4 per square foot to apply a new coat of finish. No worries. We’ve got inexpensive ways to remove wood scratches and repair deep gouges in a few easy steps.

Camouflage Scratches

Take some artistic license to hide minor scratches in wood floors by rubbing on stain-matching crayons and Sharpie pens. Wax sticks, such as Minwax Stain Markers, are great scratch busters because they include stain and urethane, which protects the floor’s finish.

Don’t be afraid to mix a couple of colors together to get a good match. And don’t sweat if the color is a little off. Real hardwoods mix several hues and tones. So long as you cover the contrasting “white” scratches, color imperfections will match perfectly.

Homemade Polish

Mix equal parts olive oil and vinegar, which work together to remove dirt, moisturize, and shine wood. Pour a little directly onto the scratch. Let the polish soak in for 24 hours, then wipe off. Repeat until the scratch disappears.

Spot-Sand Deep Scratches

It takes time to repair wood gouges: Sand, fill, sand again, stain, and seal. Here are some tips to make the job go faster.

  • Sand with fine-gauge steel wool or lightweight sandpaper.
  • Always sand with the grain.
  • Use wood filler, which takes stain better than wood putty.
  • Use a plastic putty knife to avoid more scratches.
  • Seal the area with polyurethane, or whatever product was used on the floor originally.
  • Apply the polyurethane coat with a lambs wool applicator, which avoids air bubbles in the finish.

Fix Gaps in the Floor

Old floorboards can separate over time. Fill the gaps with colored wood putty. Or, if you have some leftover planks, rip a narrow band and glue it into the gap.

Related: Great-Looking, Low-Maintenance Floor

 

 

By: Jane Hoback:© Copyright 2015 NATIONAL ASSOCIATION OF REALTORS®

 

Budget Kitchen Remodeling: 5 Money-Saving Steps

Budget Kitchen Remodeling: 5 Money-Saving Steps

Major kitchen remodels are among the most popular home improvements, but a revamped cooking and gathering space can set you back a pretty penny. According to “Remodeling” magazine’s 2015 “Cost vs. Value Report,” a major, 200-square-foot kitchen remodel costs $56,768, with a 67.8% return on investment come selling time.

If you can’t come up with all that cash or take out a loan to do the remodel in one shot, a good strategy is to proceed in stages. By breaking down the kitchen remodeling process, you’ll be able to proceed at your own pace, as time and money allow.

Related: Stress Less! 6 Things You Can Do for an Anxiety-Free Remodel

Stage One: Start with a Complete Design Plan

Your plan should be comprehensive and detailed — everything from the location of the refrigerator to which direction the cabinet doors will open to whether you need a spice drawer.

To save time (and money) during tear-out and construction, plan on using your existing walls and kitchen configuration. That’ll keep plumbing and electrical systems mostly intact, and you won’t have the added expense — and mess — of tearing out walls.

Joseph Feinberg, vice president of Allied Kitchen and Bath in Fort Lauderdale, Fla., recommends hiring a professional designer, such as an architect or a certified kitchen designer, who can make sure the details of your plans are complete. You’ll pay about 10% of the total project for a pro designer, but you’ll save a whole bunch of headaches that would likely cost as much — or more — to fix. Plus, a pro is likely to offer smart solutions you hadn’t thought of.

For a nominal fee, you also can get design help from a major home improvement store. However, you’ll be expected to purchase some of your cabinets and appliances from that store.

  • Cost: professional designer: $5,800 (10% of total)
  • Key strategies: Once your plans are set, you can hold onto them until you’re ready to remodel.
  • Time frame: 3 to 6 months

Read on to learn more budget kitchen remodeling tips:

Stage Two: Order the Cabinets, Appliances, and Lighting Fixtures
Stage Three: Gut the Kitchen and Do the Electrical and Plumbing Work
Stage Four: Install Cabinets, Countertops, Appliances, Flooring, and Fixtures
Final Phases: Upgrade if Necessary

Stage Two: Order the Cabinets, Appliances, and Lighting Fixtures

Cabinets and appliances are the biggest investments in your kitchen remodeling project. If you’re remodeling in stages, you can order them any time after the plans are complete and store them in a garage (away from moisture) or in a spare room until you’re ready to pull the trigger on the installation.

Remember that it may take four to six weeks from the day you order them for your cabinets to be delivered.

Related: How to Choose Stock Cabinets for Your Kitchen

If you can’t afford all new appliances, keep your old ones for now — but plan to buy either the same sizes, or choose larger sizes and design your cabinets around those larger measurements. You can replace appliances as budget permits later on.

Related: Appliance Buying Guides

The same goes for your lighting fixtures: If you can live with your old ones for now, you’ll save money by reusing them.

You’ll have to decide about flooring, too — one of the trickier decisions to make because it also affects how and when you install cabinets.

You’ll need to know if your old flooring runs underneath your cabinets, or if the flooring butts up against the cabinet sides and toe kicks. If the flooring runs underneath, you’ll have some leeway for new cabinet configurations — just be sure the old flooring will cover any newly exposed floor areas. Here are points to remember:

  • Keep old flooring for cost savings. This works if your new cabinets match your old layout, so that the new cabinets fit exactly into the old flooring configuration. If the existing flooring runs underneath your cabinets and covers all flooring area, then any new cabinet configuration will be fine.
  • Keep your old flooring for now and cover it or replace it later. Again, this works if your cabinet configuration is identical to the old layout.

However, if you plan to cover your old flooring or tear it out and replace it at some point in the future, remember that your new flooring might raise the height of your floor, effectively lowering your cabinet height.

For thin new floor coverings, such as vinyl and linoleum, the change is imperceptible. For thicker floorings, such as wood and tile, you might want to take into account the change in floor height by installing your new cabinets on shims.

  • Cost: cabinets: $16,000 (27% of total); appliances and lighting fixtures: $8,500 (15% of total); vinyl flooring: $1,000 (2% of total)
  • Key strategy: Keep old appliances, lighting fixtures, and flooring and use them until you can afford new ones.
  • Time frame: 2 to 3 weeks

Stage Three: Gut the Kitchen and Do the Electrical and Plumbing Work

Here’s where the remodel gets messy. Old cabinetry and appliances are removed, and walls may have to be opened up for new electrical circuits. Keep in close contact with your contractor during this stage so you can answer questions and clear up any problems quickly. A major kitchen remodel can take six to 10 weeks, depending on how extensive the project is.

During this stage, haul your refrigerator, microwave, and toaster oven to another room — near the laundry or the garage, for example — so you’ve got the means to cook meals. Feinberg suggests tackling this stage in the summer, when you can easily grill and eat outside. That’ll reduce the temptation to eat at restaurants, and will help keep your day-to-day costs under control.

  • Cost: $14,500 for tear-out and installation of new plumbing and electrical (25% of total)
  • Key strategies: Encourage your contractor to expedite the tear-out and installation of new systems. Plan a makeshift kitchen while the work is progressing. Schedule this work for summer when you can grill and eat outside.
  • Time frame: 6 to 10 weeks

Stage Four: Install Cabinets, Countertops, Appliances, Flooring, and Fixtures

 
If you’ve done your homework and bought key components in advance, you should roll through this phase. You’ve now got a (mostly) finished kitchen.

A high-end countertop and backsplash can be a sizable sum of money. If you can’t quite swing it, put down a temporary top, such as painted marine plywood or inexpensive laminate. Later, you can upgrade to granite, tile, solid surface, or marble.

  • Cost: $12,000 (21% of total)
  • Key strategy: Install an inexpensive countertop; upgrade when you’re able.
  • Time frame: 1 to 2 weeks

Final Phases: Upgrade if Necessary

Replace the inexpensive countertop, pull up the laminate flooring, and put in tile or hardwood, or buy that new refrigerator you wanted but couldn’t afford during the remodel. (Just make sure it fits in the space!)

 

 

By: Gretchen Roberts:© Copyright 2015 NATIONAL ASSOCIATION OF REALTORS®

The 7 Most-Needed Repair Tips Every Homeowner Should Know

The 7 Most-Needed Repair Tips Every Homeowner Should Know

Published: February 18, 2015

1. Fix a leaky toilet.

Running toilets not only rob sleep, they waste water and jack up your bill. Here’s how to change a flapper — the usual suspect — and solve other likely problems.

Related: How to Fix a Sweaty Toilet

2. Repair drywall holes.

The hardest part of drywall repair is making the patch flush with the existing wall. A “pumpkin patch” is an easy repair that cuts down on sanding.

Related: Another Clever Way to Fix Drywall — with Makeup Sponges!

3. Adjust cabinet doors.

Changes in humidity can make cabinet doors rub, refuse to close, or just look cockeyed. Adjusting them is easy and generally requires only a screwdriver.

4. Open a stuck window.

Windows stick when paint, dust, or moisture builds. Use a utility knife (or a pizza cutter) to remove old paint. Be careful not to gouge the wood sash. If high humidity is making windows hard to move, run a humidifier that sucks moisture out of air.

Related: Save Money with Window Repair Tips

5. Stop a leaking faucet.

A dripping faucet can waste 5 gallons of water per day. If you can’t replace the faulty part immediately, tie a string around the faucet and let it fall into the drain: Dripping water will silently flow down the string.

6. Silence door squeaks.

Take the squeak out of doors by lubricating top and bottom hinges with a little WD-40 or white lithium grease. If you don’t have any on hand, olive oil is a quick but temporary fix.

7. Turn off the main water line.

Don’t wait until water gushes into your house to search for the main water line. When things are calm and dry, locate and practice turning it on and off

 

 
By: Lisa Kaplan Gordon:© Copyright 2015 NATIONAL ASSOCIATION OF REALTORS®

 

Choice One Key Title and Escrow is presented award

Choice One Key Title and Escrow is presented award

Representing Key Title and Escrow, Kim Chavez, president of the firm was presented with the Foundation of Excellence Award. This award is awarded to top title agents in the industry for Outstanding Performance in Claims Prevention. In addition to the Excellence Award Key Title and Escrow was also presented with the Heritage Award for over 10 years of outstanding professional service. These awards were presented by industry leading title underwriter Stewart Title.

Choice One Key Title and Escrow is located at 18400 SW 97 Ave. Cutler Bay, FL. 33157. Providing real estate title and escrow closing service fast, accurate and statewide. You may contact Key Title and Escrow at 305-235-4571 or email kim@titleescrow.us

 

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