Real Estate Information Archive

Blog

Displaying blog entries 1-3 of 3

Heating Hacks to Warm Your House

by Joe Karcie

Simple Hacks for Keeping Your Home Warm During Fall

Heating hacks Prescott real estate blog

If you want to keep your home warm during fall, there are some simple hacks you can do without the need for you to spend a huge amount of money and these include the following:

  • Use Curtains

Sun’s heat is free to make most of this. Consider opening your curtains and let sunlight in during the day to make use of the free heat. If it gets dark, shut the curtains in your home. These could serve as another insulation layer and will keep warmth in each of your rooms. You must also ensure that you do not have any gaps or leaks so that warm air could stay in and cold air stays out. It also helps reduce condensation.

  • Don’t Worry about Your House, Worry about People

At the end of the day, turtleneck sweaters, cozy socks, and hats can be good friends for this season. Who does not love enjoying a hot cocoa by the fire? Once done properly, focusing on heating your own self will give you the warm feeling that you have been missing while helping slash your expensive heating bills.

  • Re-arrange Furniture

Sitting by your window could cause radiant heat loss from the body to the glass, making you feel cold. To get rid of this, see to it that your furniture isn’t in front of a big window or pushed up against outside the walls. In addition to that, avoid placing big furniture pieces in front of the radiators, as they say, sofa or couch, would absorb the heat you like.

  • Use Timers on Central Heating

Experts recommend all homeowners that programming boiler to turn the heating on earlier like thirty minutes before getting up in the morning, yet at a lower temperature than turning this on just as you need this at a higher temperature. However, never make a mistake of leaving the heating on low the entire day as you do are just paying for the heat when you do not need this.

  • Tin Foil Away

You have to take note that wasted heat also means wasted money, yet a bit DIY can save the day. Putting the tin foil behind radiators in your home will reflect heat back into the room instead of enabling it to escape through the walls. Even if they make foil specially designed for this kind of purpose, the stuff in your kitchen would do the trick.

  • Upgrade Your Heating Unit or Furnace

If you have a heating unit that has been serving you for a decade, it might be time to get a new and much efficient model. Depending on your house and type of old heating unit, you can enjoy savings with a new heat source that uses less energy to provide the same heat amount. 

Prescott Real Estate Heating Your House Hacks

‚Äč

Joe Karcie - RE/MAX Mountain Properties

731 W Gurley Street

Prescott, AZ 86305

(928) 776-7701

Read More: 5 Reasons to Own a Home

 

5 Major Reasons to Own a Home

by Joe Karcie

Top 5 Reasons You Should Own A Home Instead Of Renting
Top 5 Reasons to Own a Home

There are times when it is better for a person to rent, but most often homeownership has many more benefits and advantages.  

About 10 years ago a had a retired aunt and uncle who rented a condo in Las Vegas. Uncle Jim (not his real name) was a retired minister. Throughout his career, he and his wife lived in parsonages, which are homes furnished by the congregation while they ministered there.  

He and his wife told me that the biggest mistake they ever made was not to invest in buying a home.  In their retirement years, when their other retired friends were living in homes that were almost paid off and had appreciated greatly, Uncle Jim and his wife were using a huge portion of their limited retirement money to make expensive condo rent payments. They strongly cautioned me not to make the same mistake they had.

Owning a home chart
Recent studies are showing that there are many benefits for both the owners and the community for owning your own home, including increased education for children,  lower teenage pregnancy rate and a higher lifetime annual income for children. Besides these, listed below are some of the primary advantages of owning your own house.


# 1 More Stable Housing Costs

Rent payments can be unpredictable and typically rise each year, but most mortgage payments remain unchanged for the entire loan period. If the taxes go up, the increase is usually gradual. This stable housing cost especially important in times of inflation when renters lose money and owners make money.

#2 Tax Savings

Homeowners can be eligible for significant tax savings because you can deduct mortgage interest and property taxes from your federal income tax, as well as many states' income taxes. This can be a considerable amount of money at first because the first few years of mortgage payments is made up mostly of interest and taxes.

#3  Debt Consolidation

If you need to, you can refinance a mortgage loan to consolidate other debts (an opportunity you don't have if you are renting.) And the interest on this is also tax deductible. 

#4  Equity

Instead of payments disappearing into someone else's pocket, homeowners are building equity in their own home. This is often one of a person's biggest investment assets.  Each year that you own the home you pay more toward the principal, which is money you will get back when the home sells. It is like having a scheduled savings account that grows faster the longer you have it. If the property appreciates, and generally it does, it is like money in your pocket. And you are the one who gets to take advantage of that, not the landlord. You can then use this equity to plan for future goals like your child's education or your retirement.

#5 It is Yours!

When you own a home you are in control. You the freedom to decorate it and landscape it any way you wish. You can have a pet or two. No one can pop in and inspect your home and threaten to evict you. 

Even young people, like college students out on their own, can often benefit from home ownership. It puts them ahead of other young people their age financially by helping with their credit and giving them what is often an excellent investment. Often a college student buying a home will rent the rooms out, and his or her roommates end up making the payments for the house. When the student is ready to move on, he or she can sell the home (hopefully making a profit) or keep it as an investment and continue to rent it.

Buying a home is an important decision. It is often the largest purchase a person makes in his or her life. Homeownership also comes with some increased responsibilities and isn't for everyone. There are some disadvantages to homeownership that you should take into account. 

Instances Where Renting Is Better Than Owning

1) Increased Expenses

Your monthly expenses may increase, depending on your situation. Even if the monthly payments are the same, homeowners still have to pay property taxes, all the utilities, and all the maintenance and upkeep costs for the home.  Often you need to supply appliances that were furnished with a rental.

2) Decreased Freedom of Mobility

Homeowners can't move as easily as a renter who just has to give notice to the landlord. Selling a house can be a complex and time-consuming process.  

3) Risk of Depreciation

In some areas with overinflated prices, there may be a risk that the house will depreciate instead of an increase in value if the prices go down. If you then sell the house, you may not get enough money from the home to pay back your mortgage, and you will still owe the mortgage company money. 

4) Possibility of Foreclosure 

If for some reason you are unable to make your payments, you risk having the lender foreclose on your property. This can result in the loss of your home, any equity you have earned, and the loss of your good credit rating. 


When considering home ownership, you need to weigh the advantages and disadvantages for yourself.  If you are like most people, you will find that homeownership is worth the risks and disadvantages.

Call me today to see about getting qualified and starting your Prescott real estate home search.

Joe Karcie - RE/MAX Mountain Properties

731 W Gurley Street

Prescott, AZ 86305

(928) 776-7701

Read More: Hire a Professional Moving Company

 

Hiring a Professional Moving Company

by Joe Karcie

Hire a Prescott Moving Company

How to Choose a Prescott Moving Company the Right Way

Hiring a Prescott moving company to move you is something that you may want to consider if you've got enough money to do so, and can't afford the time to do it yourself, or its impossible for you to pack and move.
 
Moving companies offer several great reasons to hire them - with different levels of service. From companies who will show up and move you and your belongings to companies who will pack, clean and move your belongings from place to place. 

There are also more and more 'complete' package companies springing up, designed especially professionals - allowing them to move to their job, without the hassle of it all. These companies do it all - from finding a suitable house within your price range and requirements to packing you and moving you in. Some even unpack at the other end for you. 

You'll need to check any company out thoroughly before hiring them - each company should be vetted to your satisfaction, with viable references, if possible. You should also search for any complaints or comments about them online, and see what comes up. These recommendations should also contain information on whether they were prompt, priced fairly, or added additional costs. 

You may also want to ask the company themselves for references, and information on when their cheapest and most expensive times are to move. You may find moving midweek to be far more cost-effective, as weekends always carry a premium. 

Take the information you’ve gathered and get back online. First, make sure they’re incorporated in your state and confirm how long they’ve been in business, by checking your secretary of state’s office. Some have searchable databases of businesses online; if not, call the number in the government pages of the phone book.

The company you eventually choose to move you will want to come out and inspect your home, to work out what they will be moving, and to provide you with a quotation, so you may want to de-clutter before they arrive - they will take an inventory, in some cases, with you and decide what your quotation will be. These companies will also provide you with a complete overview of their insurance - review it carefully so you're sure of what they cover and what you're liable for, should the worst happen.

You should feel confident about any company you’ve run through the checks above. Confirm the dates and details of your move, and make sure you get a signed order for service and a bill of lading.

If you're ever selling your Prescott home and need a list of reputable local movers, please feel free to give me a call for my short-list of wonderful local businesses I have helped clients move with over the years.

 

Joe Karcie - RE/MAX Mountain Properties

731 W Gurley Street

Prescott, AZ 86305

(928) 776-7701

Read More: Prescott Quick Home Selling Tips

Displaying blog entries 1-3 of 3

Share This Page

Contact Information

Photo of Joe Karcie Real Estate
Joe Karcie
RE/MAX Mountain Properties
731 West Gurley St.
Prescott AZ 86305
928-776-7701
Fax: 928-441-9331