7 Clever Uses for Onions

7 Clever Uses for Onions

Slice an onion to shine cutlery, clean grills, overcome paint smells, and perform other non-cooking miracles.

Onions are great for sauteing, but the vegetable also is a cheap and effective green cleaner, mosquito repellent, and deodorizer — just a few non-cooking jobs onions can do.

1. Polish cutlery: Give metal cutlery a new shine and remove rust by scrubbing with onion slices or a paste of crushed onion and water.

2. Clean gunky pots: Scrub a burned or gunky pot with half an onion, and then let it soak in the onion juice. Wash as usual and the mess comes up easily.

3. Shine grills: Heat the grill, then spear a half onion with a fork and glide it over the grates to remove grease and charred bits of food.

4. Absorb paint smells: Place a bowl of sliced onions and water in a freshly painted room to absorb the stinky odor.

5. Repel bugs: Rub a cut onion over your skin to keep bugs (and people) at bay. To make a non-toxic rose spray that repels red spiders and aphids, mix a mashed onion with equal parts water, strain, and spray.

6. Smelling salts: When you feel light-headed, revive yourself with a whiff of cut onion.

7. Onion bags: Never throw away onion bags, which are great as pot scrubbers, bathtub toy containers, suet holders that backyard birds can enjoy in winter, and dishwasher holders for magnets and other small items.

 

 

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

 

Why Gardening is Good for Your Heart

Why Gardening is Good for Your Heart

Published: December 10, 2012

Gardening and cholesterol-lowering drugs cut death risk in high-cholesterol adults.

Gardening not only is good for your soul, it’s good for your heart.

That’s the conclusion of a new Veterans Affairs Medical Centre study that shows combining cholesterol-lowering drugs (statins) with moderate exercise (gardening) lowers the chance of premature death more than either drugs or exercise alone.

The study, conducted with more than 10,000 U.S. veterans with high cholesterol over 10 years, showed that participants who were fit and taking statins cut their risk of death over that decade by 70%, far better than participants who exercised without drugs (50%). Veterans who didn’t exercise or take statins increased their risk of death by 35%.

Best part: It doesn’t have to be strenuous. Moderate exercise, like gardening or walking, is enough to increase the ability of statins to stave away the grim reaper.

 

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

 

Ginormous Kitchens: Are They Really a Good Choice?

Ginormous Kitchens: Are They Really a Good Choice?

Published: December 3, 2012

Huge, open kitchens continue to grow in popularity, getting bigger and bigger. But is bigger really better?

Houses with cozy eat-in kitchens are common. But enormous kitchens that consume most of a home’s square footage continue to be the trend.

High-end kitchens can top 3,000 sq. ft. and are becoming more and more popular. Even kitchens in mid-level housing are ballooning, swallowing dining rooms, living rooms, even garages.

Here’s the punch line (courtesy of the Wall Street Journal): Many home owners with ginormous kitchens don’t actually cook in them.

Instead they buy ready-made food to eat at home, and use the kitchen for socializing as friends gather and prepare food together.

Some even have smaller kitchens tucked away. These secondary kitchens, often called “wok kitchens,” hide the mess and smells of meal preparation, while creating the illusion of food being prepared in its larger counterpart.

So what’s the point?

Although, I confess, I completely understand large-kitchen lust.

When we designed our Virginia house 15 years ago, our son was a baby and I couldn’t envision him ever growing up. I wanted a space where I could keep an eye on him while I cooked. So we built a 500 sq. ft. kitchen with space for cooking, eating, lounging by the fire, and watching TV.

And it has its advantages:

  • The space is an open, delightful place where I cook, work, watch birds at the window — feeder, and feel embraced by a flickering fireplace.
  • The baby survived while I cooked, paid bills, attempted to write.

But the list of cons is much longer:

  • Noise: It’s impossible to talk on the phone while someone is watching TV, and our 15-year-old dishwasher is running.
  • Mess: When I entertain, piles of dirty dishes and utensils attend the party with us. So, I only invite good friends who love my mess and me anyway.
  • Diet: It’s hard to fight fat when you work three steps away from the fridge.
  • Temperature control: The room is always drafty and hard to heat without the gas fireplace going.
  • Family dinners: Rarely do we eat a family meal without the TV blaring some must-see ballgame.
  • Unused space: My adjacent dining and living rooms are obsolete dust collectors. I can’t pay guests to take coffee there.
  • Teenagers: The baby is now 16, and would rather eat nails than spend time with Mom, no matter how big the space.

 

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

Holiday Hotline Helps with Carpet and Sofa Spill-mergencies

Holiday Hotline Helps with Carpet and Sofa Spill-mergencies

By: Dona DeZube

Published: December 11, 2012

It’s not a holiday party until someone spills something on your carpet or upholstery.

Every year my daughter asks if she can have friends over for a holiday party. Every year I say “Sure,” and then lay down some pretty tough rules about drinking. First, I screech “No grape soda!” followed by “And no alcohol!” now that she’s in high school.

You’d do the same if you’d seen what happened when a grape beverage met a white shag rug at my friend Pat’s house a few years back.

But this year is going to be different, and it’s all thanks to Rug Doctor. The carpet cleaning company just opened a telephone hotline to deal with holiday spill-mergencies.

Whether the spill hits your rug or your sofa, the company’s trained cleaning experts will be available seven days a week from 8 a.m. to 8 p.m. CT at 1-800-Rug Doctor to tell you how to get it out.

Grape soda for everyone!

Meanwhile, if you’re going to use a rug shampoo machine to clean the carpet or upholstery before your holiday parties, handle the waste water properly by using these tips from Washington State’s Ecology Department:

  • Vacuum before you wash carpets to minimize debris in the water.
  • Empty wash water down a sink, toilet, bathtub, or shower drain, and never pour it down a storm drain.
  • Strain the waste water before pouring it down the drain to help prevent clogs.
  • Raleigh, N.C., environmental officials suggest using undiluted vinegar in your steam cleaner instead of soap and the Portland, Ore., metro government offers recipes for green carpet cleaning solutions.

Read more: http://members.houselogic.com/articles/removing-carpet-stains/preview/#ixzz3iQsIIjes
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Quick Ways to Make Some Shade, But Don’t Forget: Trees Are Best

Quick Ways to Make Some Shade, But Don’t Forget: Trees Are Best

Published: May 24, 2011

If you prefer a drier cool, as opposed to the misters we mentioned yesterday, read on to find some quick ways to make some shade. Plus, get some tips on getting shade with some quick-growing trees.

 

Immediate relief

Umbrellas, awnings, and quick-assembly patio tents are quick, although sometimes costly, methods of creating shade instantly.

The ubiquitous patio umbrella—found even in grocery stores for $30—can either stand alone upright or offset, or slip into a hole in your patio table.

Choose an umbrella that tilts, so you can block the sun at any angle. Or get one that’s fabulous, like Frontgate’s Rimbou Lotus Shade, which looks like a giant palm frond. (Cost: $1,795.)

Retractable awnings, a permanent feature of older southern homes, are traditional shade makers for outdoor areas up to 12 feet from your house. Motorized awnings take the fuss out of opening and closing. Depending on size and what kind of bells and whistles they come with, awnings typically cost from $400 to $3,000.

Portable awnings are my favorite, because they make shade wherever, not just areas close to the house. SunSetter’s Large Oasis Freestanding Awning, measuring 16 ft. by 10 ft., can provide 160 sq. ft. of shade. (Cost: $1,549 manual; $2,099 motorized.)

A cloth gazebo (aka patio tent or canopy) is another option that’s great for entertaining. You can go simple and inexpensive ($50 for Target’s Outdoor Patio Pariesienne Gazebo Canopy, though online reviews indicate you get what you pay for). Or you can step it up with the Garden Oasis Lighted Gazebo, complete with lights and netting for $700 at Sears.

Long-term re-leaf

Growing shade trees is the greenest—and slowest—way to block the sun on patios and decks. There’s nothing as cool as sitting under the shade of an old oak tree.

If you can’t wait 20 years for a little shade, plant a quick-growing variety which, in tree language, means it grows a couple of feet or more each year. You can rush the process by paying more and buying big trees, and you’ll see a return on your investment. Here are some species to consider.

  • American Elm: (Zones 2-9) Grows rapidly up to 100 feet tall and 120 feet wide. Adapts to varied climates and soil conditions.
  • October Glory Red Maple: (Zones 4-9) Provides a 35-foot spread and grows to 40 feet high.
  • Sawtooth Oak: (Zones 4-9) Dark green summer foliage turns yellow to brown in fall. Wildlife will love its acorns.
  • Chinese Pistache: (Zones 6-9) Wonderful wide canopy and grows in all but the coldest zones.
  • Natchez Crape Myrtle: (Zones 7-10) Lots of long-blooming white flowers and cinnamon-colored bark.

 

 

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

A Financial Plan for Your Home

A Financial Plan for Your Home

Published: December 31, 2012

Your home is probably your biggest investment. To manage it, create a financial plan that takes into account repairs, upgrades, mortgages, insurance, and taxes.

Do you pay each home-related expense as it comes? If so, you’re missing opportunities for upgrades, or much worse, heading into a financial crisis when a slew of surprise maintenance items hit. So take a holistic look at what it costs to operate your house and set up a home financial plan.

Use our home financial plan budget worksheet, and start by writing a list of expenses, such as:

  • Mortgage
  • Taxes
  • Home insurance, including liability
  • Repairs and maintenance, such as new furnace, roof, painting
  • Voluntary upgrades, such as a swimming pool, a premium range, a new powder room

What will you learn from this home financial plan weekend exercise?

  • How much you have to spend
  • How much you need to allot in the short- and long-term for necessary maintenance and voluntary improvements

With this newfound grip on your home’s expenses, you can create a home financial plan that’ll help you there for years with maximum enjoyment and minimum anxiety.

Here’s how to manage other aspects of your home finances:

The mortgage: Pay it — and then some
Insurance: Protect your property
Repairs and renovations: By choice or necessity
Taxes: (Almost) no way around them

The mortgage: Pay it—and then some

Yup, you already shell out a lot for your mortgage, but can you pay more? Even a little extra each month can add up to an earlier payoff. Let’s say you have $200,000 in outstanding principal and a 20-year fixed-rate mortgage at 5%. Your monthly payment is $1,319.91. But if you can manage to pay another $100 a month, you’ll save $14,887 in interest.

Run the numbers yourself for your home financial plan.

Advantages of an early payoff, says Alan D. Kahn, a financial planner in Syosset, N.Y.:

  • Less debt means more money to spend later.
  • It feels darn good to own your house outright as soon as possible.
  • Minimal tax loss. Toward the tail end of the life of a loan most of your payment goes to the principal, not the interest, so you’re getting only a small tax break anyway.

Of course, if you’re still saving for retirement, put the 100 bucks elsewhere:

  • A retirement plan
  • An account for the inevitable home repairs
  • An account for discretionary improvements, which can raise your home’s value

Insurance: Protect your property

Your vegetable garden is pointless without a fence to keep out rabbits; likewise, your home financial plan will come to nothing without an insurance “fence”:

Homeowner’s insurance. Basic coverage for your home and everything in it. The average cost is $636 per year but this varies widely by state.

Liability coverage. Protects you from a lawsuit if someone gets hurt on your property, for example. Your best bet: An umbrella policy.  For about $300 a year you can by a typical $1 million policy.

Various disaster insurance policies. Optional policies cover flood, earthquake, and hurricane damage. As part of your home financial plan, you have to research to see what disaster coverage, if any, you need in your area, and what your standard policy already covers. For $540 a year you can buy flood insurance, for example.

Don’t under- or overbuy insurance

For your basic policy, get homeowners insurance with full replacement coverage in case your house burns to the ground.

That sounds simple, but heads up on calculation. Remember that you own a house as well as the land on which it sits. So even though you bought your home for $300,000, it may cost only $100,000 to rebuild it. Your policy limits should reflect this. This difference will vary widely by region.

Another heads up: Don’t make the common and potentially disastrous mistake of thinking that because your home has fallen in value you need less insurance. If you bought a $1.2 million townhouse in Florida during the boom, it’s true it now may only sell for $600,000. But the replacement cost of the townhouse hasn’t changed much, so you can’t improve your home financial plan by cutting insurance costs that way.

Other ways to cut your insurance budget:

  • If you make structural improvements, such as adding storm shutters, your insurer may give you a break.
  • If you belong to certain groups, such as AARP or veterans’ organizations, your premiums may be lower.

Repairs and renovations: By choice or necessity

 
You own a home, so you’ll be spending money on everything from a new faucet to — surprise! — a new roof. Freddie Mac and other authorities say as part of your home financial plan, you should be prepared to spend 1% to 3% of the market value of the home annually on maintenance. To be extra-prudent, open a savings account and make regular payments until your account reaches 1% to 3% of your home’s current value.

To help you budget:

Start with the inspection report you received when you bought the house. Did the inspector indicate that you would need a new roof in five years? A new furnace in 10?

Keep a log of your major appliances’ age so you can estimate when they’ll need replacing. Some estimated life spans:

  • Roof: 20-25 years
  • Heating systems: 15-20 years
  • Range/ovens: 11-15 years
  • Water heaters: 8-13 years

Then get estimates on what replacements will cost and start saving.

Consider ongoing non-emergency maintenance, too. Do you live in New England? Price a snow blower and get bids from plow services.

Resist the siren call of the home equity loan to take care of everything. That just defeats your efforts to pay off the mortgage early.

Separate out what you want from what you need. Does it make more sense to do a $50,000 to $60,000 kitchen remodel, which recoups about 69%, or a minor remodel, which recoups about 75%, according to Remodeling magazine’s 2013 Cost vs. Value Report?

If you can afford to redo, go for it. Just don’t confuse your necessary repairs (new oil furnace — about $4,000) with your discretionary upgrades (Viking range — $6,000 and up).

Taxes: (Almost) no way around them

Even if your lender handles your property taxes from an escrow account, you need to budget for them in your home financial plan. They creep up almost every year, it seems. Take responsibility for tracking the changes in your area: Look over past tax bills to get a sense of how quickly they’ve risen in the past.

Or if your lender handles escrow and you haven’t saved your bills, ask for an accounting. The median annual property tax payment is $1,812, but that hides the enormous range in medians from state to state.

You can generally deduct property taxes on your federal return. A tax pro can tell you how much of a tax break you’ll get, to help you fine tune your home financial plan.

You may be able to reduce your tax burden by getting a reassessment. Do your homework first: Are comparable houses taxed less than yours? Ask the local assessor what formula is used to set tax rates. You can challenge the assessed value and get yourself a rollback.

If you’re in a special group, you might get some help from state or local programs. Check around to see what’s available in your area. New York State, for example, has its Star Program for giving senior citizens some relief from school-related property taxes.

 

 

 

By: Richard Koreto © Copyright 2015 NATIONAL ASSOCIATION OF REALTORS®

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