September/October 2010

Home energy management and control changes with the seasons. There are different steps you can take as the temperature fluxuates in order to keep your energy bills down and your home comfortable.

Winter Cold

If you're willing to be active in managing your home's energy resources, there are many opportunities not only to conserve heat and air-conditioning but also to reduce the burden on your heat and air-conditioning systems.

Though it's 93 million miles away from Earth, our sun puts out some pretty potent energy. It is smart house management to take advantage of that free heat whenever possible. In the winter, opening up shades and drapes on south-facing windows allows sunlight inside the house where it can warm floors, furniture, and furnishings. This is called passive solar heating, and on a sunny day in a well-insulated house it can reduce the number of times your heating system has to activate. One bonus is that during the winter the sun is lower on the horizon, so sunlight penetrates deeper into the house than it does when almost directly overhead in the summer. Therefore, even though the winter sun's rays are less intense, they can still create heat because they cover more surface area in your house.

At night in winter, heavy or insulating shades and drapes drawn over the windows will keep heat inside, acting as both a radiant heat barrier for heat leaving the home and also as insulation over the cold window glazing.

Taking advantage of the sun during the winter can also help lower electricity bills. Though sunlight streaming in through windows is only a heating benefit on the east, south, and west sides of the house, opening shades on the north side of the house in the daytime reduces the need for electrical lighting.

Summer Heat

During the summer you'll want to do the direct opposite -- close shades and drapes in order to keep the warming rays of sunlight out of the house, reducing the load on the cooling system.

Lights Out

Though it's a simple energy-saving step, the concept of turning off lights when leaving a room seems to elude many people who subsequently complain about their utility bills. The fact is, if a light is off, it uses no electricity. So only turn on lights that are necessary for use. It's that easy to save energy.

One urban myth says that turning on a light uses far more energy than it consumes while it is operating. Not so. It is true that when an incandescent or fluorescent lightbulb is first switched on, it requires a brief surge of electricity. But that surge is so short that it doesn't make any practical difference. With fluorescents, the electricity consumed during start-up is equivalent to only a few seconds' worth of running the light. So keep bulbs that aren't being used turned off.

Ceiling Fans

The use of central or room air-conditioning (and the high electrical costs associated with each) can be reduced by deploying a time-honored strategy -- getting the air around you to move. A simple desktop or standing fan that sweeps the room every few seconds makes the air seem cooler by several degrees.

Ceiling fans are a great boon in this regard since they gently move all of the air in a room at once. Ceiling fans can draw up and distribute the cooler air that lies along the floor throughout the entire room.

Whole House Fans

Boon or bane?: Many homes in the United States have "whole house" fans. These large fans, usually mounted in a top-floor ceiling,

are turned on during the summer by homeowners who wish to avoid turning on room air units or a central air-conditioning system -- or as an alternative to air conditioning altogether.

The idea behind using a whole house fan is to bring in cooler outside air through open windows while at the same time pushing warmer air through the attic and roof vents. Because of the size of most whole house fans, they are usually effective at accomplishing these tasks. The air movement removes heated air from the attic, which can reduce the heat in the rooms below, and if the incoming air is cooler, then the system does have a cooling effect on the house. Whole house fans can also quickly vent undesirable odors when necessary.

Many people have discovered, however, that air from outside the house often brings with it things they don't want inside, such as humidity, pollen, and dirt. That limits the use of whole house fans at certain times and in some geographical areas, such as states that experience high humidity in the summer.

Saving energy or wasting it?: Many conventional whole house fan installations lack adequate provision for sealing and insulating the opening in the winter. It is often possible to stand in the attic and see light coming upward through the loose-fitting metal louvers under a whole house fan. Those openings allow great amounts of heated air to escape the house and enter an attic in the winter, resulting in energy waste and higher heating bills. Heat from the attic can also be conducted downward through the opening and the louvers during the warm summer months.

Although a whole house fan can save some energy during the summer by prolonging the periods when a room or central air-conditioning system doesn't run, it can waste energy in the winter by allowing warm air to flow upward through the louvers. Draping a length of fiberglass batt insulation over the fan in the winter -- a common practice undertaken to address this issue -- is completely ineffective as either an air-sealing or an insulating measure.

Remediation of whole house fans: Several types of commercially available covers are designed to address the issue of air leaking through whole house fan installations. Some mount on top of the fan in the attic; others are simple covers that attach from the house side of the installation and cut down on air leakage. It is also relatively easy to build a lightweight removable cover of fiberglass insulation board or rigid foam board. Sealing these covers is challenging, however, and that is critical to prevent air infiltration.

An alternative to the large conventional whole house fans are the relatively new smaller fans that have spring-loaded, insulated covers that snap tightly into place when the fan is not being used. While they do not move as much air as the larger models, they are effective if used over a longer period of time.

All in all, while many homeowners like and use whole house fans, they do have some serious drawbacks. It is not unusual to find an abandoned fan in the attic with a patched ceiling below. If you already have a whole house fan in place in your home and intend to put it to use, be sure that the opening is sealed and insulated properly during winter. That opening represents one of the largest and potentially leakiest holes in your entire house. Energy that escapes through those leaks will increase your utility bill substantially.

If you're thinking of installing a whole house fan, at least give the smaller-size units a once-over before you make any final decisions. They use less power, seal and insulate better, are quieter, and the hole they require in the ceiling is smaller than that of a conventional unit.

One room in your house uses a great deal of energy and can put out a lot of heat -- your kitchen. In the next section we'll review tips on how to conserve energy while cooking dinner.

Source: TLC.com



WHAT OUR CLIENTS SAY ABOUT US:

“They were very personable.  They cared about what was best for me and helped every step of the way, really had my interest at heart! ”


-Karissa Koberstein

HOUSES ARE SELLING!
Sold homes and homes under contract:

  • 2619 White Wing Road, Johnstown
  • 920 Cornerstone Drive, Windsor
  • 834 E. 5th Street, Loveland
  • 1327 Hearthfire Court, Fort Collins
  • 1746 Canvasback Drive, Johnstown
  • 5301 Cherrywood Lane, Johnstown
  • 1409 Linden Lake Road, Fort Collins
  • 37109 Soaring Eagle Cirlce, Windsor
  • 3500 Fox Drive, Loveland
  • 802 Waterglen Drive J-41, Fort Collins
  • 556 Kim Drive, Fort Collins
  • 139 N. Eagle Canyon Circle, Lyons
  • 2127 Redhead Drive, Johnstown


Fun Halloween Tip

*If you want your pumpkins to last longer (and even to be reusable when you scrap your Halloween decorations and begin decorating for Thanksgiving), don't carve them. Paint them with acrylic paint. You can create an infinite variety of faces or scenes, and your pumpkins will last much longer.*

This month's trivia: Where did Jack o' lanterns originate?

For the answer, check out our Facebook Fan Page!

With temperatures reaching record highs throughout the U.S., thoughts of autumn seem but a woeful wish. The fall season evokes thoughts of home and hearth, as families and friends eagerly anticipate re-connecting with one another amid busy lives.

Of course, most want a home design and décor that will impress, and help de-compress, impending company – one with that autumn sensibility that exudes comfort and warmth … and duly stimulates the senses.

With this in mind, here are 10 top home design and décor trends for fall:

1. Vintage accents. What’s old is new again. French-burlap is no longer just for sack-racing. This Earth-friendly fiber is being used for chic pillows imprinted with a vintage stamped design or even a family initial.

Accent chairs can also be seen covered in gray linen imprinted with vintage “document” script writing. Vintage couture lamps (and their replicas) are utter perfection this year, especially those with milk glass and natural material bases, drum shades, and antique brass finials.

Aged, color-washed wood accessories such as candlesticks, urns, and bowls are popular as oversized accessories to accent and update a time-worn look.

2. Wallpaper! With a decreasing demand for faux finishes and walls painted in solid primary colors, wallpaper is making a comeback in a big and decidedly fashionable way.

From bright and bold to subdued and elegant, today’s wallpapers are easy to apply and even easier to remove, making updating the seasonal look of a room easier than ever before. There are a seemingly endless number of choices from solids to patterns, and everything in between.

3. Timeless art. When shopping for items to occupy wall space, ditch the quick fix, “matchy-matchy” picture. Art doesn’t have to be expensive but it should certainly have meaning. Buy what you love. Mix mediums and styles. To add depth and character to your pieces, forego the glass cover that can be distracting and casts a glare that actually detracts from your interior design.

4. Elemental color. While neutrals have made a strong showing in design this year for primary design elements like walls and baseline furnishings, boldly colored accent pieces give a space visual interest and appeal.

Brightly colored and/or patterned pillows, rugs and other accessories will bring an otherwise bland space to life. Of course, these accessories can be readily transitioned to exude the spirit of a given season.

5. Space simplification. With a strong desire to ease and reprioritize our homes and lifestyles, de-cluttering — even with respect to editing down furnishings and accessories — is the best way to gain control of your surroundings and feel a refreshed sense of purpose.

 


It is very important to streamline not only the lines of your furniture, but the bulkiness as well. But, this does not mean giving up comfort for style. Many times we place too many items in a room by way of accessories, pillows, throw rugs, and family photos.

Pick and choose very carefully the most important items and then pare down from there. There is brilliance in restraint.

6. Rug rage. There has never been a more exciting time than now in the area rug industry. Whatever style, shape, and design you can imagine is within your reach.

Even if a space has wall-to-wall carpeting, place an area rug to establish a layered look and add depth and personality to a room and also tie in other disparate color components. A rug’s color palette and pattern can easily establish the desired style and tone of a season.

7. Bed basics. Bedding has also changed this year. The pomp and circumstances of overstuffed pillows that seem to multiply in the night are out. Way out.

Exquisite, neutral colored linens are in, especially when paired with a luxurious top blanket and a clean lined duvet.

For those who desire more color that’s representative of fall or any other season, indulge in two medium sized pillows placed in front of each sham.

8. Pillow talk. Today’s pillow designs offer an array of textures, colors, shapes, sizes, and accents, and can completely transform a room’s aesthetic. Accordingly, pillows have become the ultimate interior design accessory, especially since they are so versatile.

Choose an assortment of pillows for the spring and summer and other set for the fall and winter. This is an easy way to seasonally transition a room in an easy and budget-friendly way.

Also, resist the urge to “karate chop” pillows to give them a center crease as this look is not style savvy.

9. Window treatments. While many love luscious fabrics, an overuse of material on your windows can quickly overpower an otherwise streamlined room. Linen panels are now very trendy since they beautifully outline and soften windows. This classic and timeless fabric is now available in a staggering array of colors to coordinate with any interior palette.

10. Brass. Yes, brass is back but a bit older and wiser. Antiqued brass and even antiqued gold have both made a large comeback on everything from drapery rods, to cocktail tables, to door and cabinet knobs to décor figurines.

The light reflecting surface of brass adds warmth, glow and movement to a space and, thus, is perfect in a room with a fireplace.

Source: Realtor.org


Fun Facts About Colorado

  • The world's largest flat-top mountain is Grand Mesa
  • Colorado is the only state in history to turn down the Olympics.
  • Colfax Avenue in Denver is the longest continuous street in America.
  • Over 400,000 people acsend Pikes Peak each year.
  • Colorado has more microbreweries per capita than any other state.
  • Denver lays claim to the invention of the cheeseburger.
  • The highest paved road in North America is the road to Mt. Evans off of I-70.

UPMIP Changes on FHA Loans

HUD has announced that both the Annual/Monthly Mortgage Insurance Premium (MIP) and the Upfront Mortgage Insurance Premiums (UFMIP) are changing for FHA loan products and programs. The Annual/Monthly MIP will be increasing and the UFMIP is decreasing. This change will be effective for case numbers assigned (not application date) on or after October 4.

**If you have questions about what's happening with FHA loans, please contactl Dave White with Bank of America.


Dave White
Retail Sales Manager
(970) 566-7168
dave.white@bankofamerica.com

What will your dream house cost? That depends entirely on where you buy it. According to a new report that looked exclusively at four-bedroom two-bath listings, the most expensive market is Newport Beach, Calif. while the most affordable is Detroit.

But does affordability alone always equate desirability?

Coldwell Banker released on Wednesday its first Home Listing Report, which surveyed 18,000 four-bedroom, two-bathroom homes from nearly 300 markets. The results show a $1.7 million divide between America's most expensive and most affordable markets for what many buyers would consider "dream homes." The average home listing price in Newport Beach was $1.8 million, while Detroit homes ran an average $68,000. The national average was approximately $353,000.

California dominated the most expensive end of the spectrum with six markets in the top 10. But these trends don't preclude the possibility of finding good deals in California, or in other ostensibly expensive states, said Coldwell Banker CEO Jim Gillespie.

"Even though these markets are very high end, if you look at the average sales price, it's less than a third of Santa Barbara, and a sixth of Newport Beach," he told HousingWatch. "Just because these particular markets are high priced, doesn't mean there's no value out there."

In total, nearly 30 percent of the markets surveyed showed average listing prices of less than $200,000, and over 60 percent that averaged less than $300,000.


The most affordable markets were all in the Midwest, ranging in price from about $116,000 in Topeka, Kans., to $68,000 in Detroit.

"The Rust Belt has been hardest hit by the economy," Gillespie said. "The national economy has been hurting for two years, real estate's been down for five, and that part of the country has been down for most of this century."

It's important to keep in mind, though, that these price points are for four-bedroom, two-bathroom "aspirational homes," said Gillespie, and many of them are exceptionally priced.

But what should consumers make of these figures if they live in a market that wasn't featured? The findings are especially useful for renters who could be spending nearly the same price for a mortgage on a home of their own.

For renters with stable income and savings for down payment, owning has never been more affordable. And while Gillespie says homeowners shouldn't consider moving to a new market unless they've found stable employment, now is the time to consider home purchases that had otherwise been inaccessible during the boom years.

In Detroit, for a $68,000 30-year fixed-rate mortgage at 4 percent interest, a homeowner would spend just $325 a month in principal and interest -- far less than the average rent, to say the least.

To view a full listing of the report and an approximation of what your home is worth across Coldwell Banker's listings, visit their Home Listing Report site.

Source: www.housingwatch.com

Here are the products grabbing the attention of the home building and remodeling industries, according to Bill Millholland, executive vice president of sales and marketing at Case Design/Remodeling in Maryland, and Jamie Gibbs, a New York-based interior designer:

· Appliance Drawers. Small warning drawers, modest-sized dishwasher drawers for small loads, refrigerator drawers and microwave drawers.
· Counter-depth refrigerators. Some are only 24 inches deep.
· Motion-detecting faucets. Like you'd find in the restrooms of businesses.
· LED (light-emitting diode) lighting. These are used under cabinets and in ceiling fixtures as a longer-lasting, more efficient alternative to compact fluorescent lamps and incandescent bulbs.
· Electric heated floors. A nice touch in bathrooms,
· Showers with multiple heads and body sprays. Bathtubs are out.

Source: The Washington Post (09/25/2010)

Major credit scoring company Experian revealed the nation’s metropolitan areas with the highest and lowest average credit scores.

Experian analysts say that difficulty meeting housing payments are a critical driver of credit scores in this market.


Cities with the highest average credit scores:

· Minneapolis, 787
· Madison, Wis., 785
· Cedar Rapids, Iowa, 781
· Green Bay, Wis., 780
· San Francisco, 780
· Boston, 779
· Peoria, Ill., 778
· La Crosse, Wis, 778
· Seattle, Wash., 777
· Sioux Falls, S.D., 777


Cities with the lowest average credit scores:

· Harlingen, Texas, 684
· Jackson, Miss., 698
· Corpus, Christi, Texas, 700
· Shreveport, La., 701
· El Paso, Texas, 706
· Monroe, La., 706
· Las Vegas, Nev., 707
· Bakersfield, Calif., 708
· Myrtle Beach, S.C., 709
· Tyler, Texas, 709

Alice P's Market Update www.rogersrealty.net
www.rogersnrogers.com
September/October 2010