Wednesday, December 9, 2009
9. Reverse Your Fans: By reversing its direction from the summer operation, the fan will push warm air downward and force it to recirculate, keeping you more comfortable.
8. Check the Chimney: Make sure the chimney is cleaned and free from debris, the place a protective cap for your chimney, with a screen to keep out foreign objects. If you have a fireplace you should keep your chimney's damper closed when the fireplace isn't in use to keep out the cold air.
7. Check Your Windows: By taking out screens & putting up storm windows, this give you an extra layer of protection. If you do not have storm windows, a good idea would be to buy plastic sheeting that's affixed to a window’s interior with double-stick tape. A hair dryer is then used to shrink-wrap the sheeting onto the window. (It can be removed in the spring.) It is inexpensive (about $4 a window) and it's extremely effective.
6. Check Your Ducts: According to the U.S. Department of Energy, a home with central heating can lose up to 60% of its heated air before that air reaches the vents if ductwork is not well-connected and insulated, or if it must travel through unheated spaces. Check to see if there are gaps or clogs that may stop the flow of heat. You can repair gaps with a metal backed tape. It's also a good idea to vacuume out ducts once every few years, to clean out the abundant dust, animal hair and other gunk that can gather in them and cause respiratory problems.
5. Check The Furnace: It's a good idea to have furnaces cleaned and tuned annually. Throughout the winter you should change the furnace filters regularly (check them monthly). A dirty filter impedes air flow, reduces efficiency and could even cause a fire in an extreme case. Toss out the dirty fiberglass filters; reusable electrostatic or electronic filters can be washed.
4. Insulation: By adding insulation to the existing insulation in the attic, you will save money on your energy bill & keep the warmth in your home. You will need a minimum of 12 inches of insulation in your attic.
3. Clean Out Your Gutters: In order for winter's rain and melting snow to drain properly, clean gutters out removing any debris. Clogged drains can form ice dams, in which water backs up, freezes and causes water to seep into the house.
2. Stop The Drafts: One of the best ways to winterize your home is to simply block obvious leaks around your house, both inside and out. Purchase door sweeps to close spaces under exterior doors, and caulk or apply tacky rope caulk to those drafty spots. Outlet gaskets can easily be installed in electrical outlets that share a home's outer walls, where cold air often enters. For outside, seal leaks with weather-resistant caulk. For brick areas, use masonry sealer, which will better stand up to freezing and thawing.
1. Check your Batteries: Install Smoke and Carbon Monoxide Detectors
Some cities require a smoke detector in every room. Buy extra batteries and change them when daylight savings ends. Another tip would be to install a carbon monoxide detector near your furnace and/or water heater.
Stay warm and stay safe. For more energy efficient ideas you can visit http://www.energystar.gov
Tuesday, November 24, 2009
Tuesday, November 10, 2009
Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.
Current Owners: The tax credit program now gives those who already own a residence some additional reasons to move to a new home. This incentive comes in the form of a tax credit of up to $6,500 for qualified purchasers who have owned and occupied a primary residence for a period of five consecutive years during the last eight years.
Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.
Tuesday, November 3, 2009
Thursday, October 29, 2009
3275 Ashby Fork Road, Petersburg, KY 41080
3844 Sugarberry Drive, Hebron, KY 41048
5 Roberts Road, Edgewood, KY 41017
1984 Arbor Springs Boulevard, Union, KY 41091
Great homes, great locations & much more! Now is the time to check out these homes before they're gone. Click on the links to view the web commercials on each property, then call me with the one YOU want to see at (859) 525-2624. What are you waiting for.....CALL TODAY!
Tuesday, October 13, 2009
Thursday, October 8, 2009
Now is the time to act! Be a part of the many people who are taking advantage of the government tax credit.
In order to receive this money, you must ACT NOW to be able to close on a home before the deadline of November 30, 2009. Don't wait any longer! It's much cheaper to own a home than to throw your money away on rent. You can buy a great home at a great price. Don't miss out on this amazing opportunity.
Call me today if you have any questions, you have a home that you are interested in taking a look at or there is a home you want to BUY! I'm waiting to hear from you and look forward to working with you to find the perfect home for YOU! Call me at (859) 525-2624 or send me an email at firstname.lastname@example.org You can also visit my website to look at some amazing homes at http://www.agentbob.com/
Tuesday, October 6, 2009
Thursday, September 24, 2009
Tuesday, September 15, 2009
Wednesday, September 9, 2009
Tuesday, September 1, 2009
An exquisite home with elegant amenities that reflect your success! A captivating 5 bedroom home with 8,000 sqaure feet custom built home featuring 6 car garage, exercise room, sauna, bar area, gourmet kitchen with solid surface countertops, pantry & planning desk! This home is all that you would expect & more! Nestled in nature's beauty, this glamorous home will allow you to watch the season's unfolf. The master bedroom comes complete with adjoining master bathroom with double vanity, whirlpool tub & glass block shower plus bedroom features a sitting room with wood burning fireplace! Enjoy the evening from your very own veranda with a lovely view and an inground pool! This is truly a status maker and you will enjoy your private hideaway! Call Bob Hahn today for your private showing or view the web commercial to see the lovely interior at http://agentbob.vflyer.com/home/flyer/home/2730883
Tuesday, August 11, 2009
Thursday, July 30, 2009
Tuesday, July 7, 2009
Tuesday, June 9, 2009
*Keep in mind that insulation and sealing air leaks will help your energy performance in the summertime by keeping the cool air inside.
*Plant trees or shrubs to shade air conditioning units but not to block the airflow. Place your room air conditioner on the north side of the house. A unit operating in the shade uses as much as 10% less electricity than the same one operating in the sun.
*Don't place lamps or TV sets near your air-conditioning thermostat. The thermostat senses heat from these appliances, which can cause the air conditioner to run longer than necessary.
*Consider using an interior fan in conjunction with your window air conditioner to spread the cooled air more effectively through your home without greatly increasing your power use.
*Don't set your thermostat at a colder setting than normal when you turn on your air conditioner. It will not cool your home any faster and could result in excessive cooling and, therefore, unnecessary expense.
*Set your thermostat as high as comfortably possible in the summer. The less difference between the indoor and outdoor temperatures, the lower your overall cooling bill will be.
*Whole-house fans help cool your home by pulling cool air through the house and exhausting warm air through the attic. They are effective when operated at night and when the outside air is cooler than the inside.
*During the cooling season, keep the window coverings closed during the day to prevent solar gain.
Thursday, May 28, 2009
Tuesday, May 12, 2009
The Entry Way
Painting the front door or even replacing it if it is beyond paint can make a real difference. Make your entry stand out in an appealing way but painting or replacing the front door. If you have vinyl siding and you have not cleaned it in a while mildew, dirt and grime can accumulate. Spraying it down, can surprisingly make a big difference in the appearance.
Plant Some Color
By planting some flowers around the entry, you can really make your property come alive! Choose a variety of colors that really stand out and draws attention to the beauty of the outdoors. Adding a few potted plants is a nice touch as well.
Fix Up The Baths
While remodeling a bath is one of the highest returning home improvement projects it may not be in the budget at the moment. If however, you still have your gold toilets and sinks from the 70's it may be time to let go and move on the something that 99% of the population would like better. Have a gold shower too? There are lower cost alternatives to ripping out the shower. There are specially made bath fitters that are designed to be put over a shower. New faucets are another lower cost item that can make a difference. At the moment silver/nickel is back in and brass is less popular. Changing towel ranks, toilet paper holders and shower heads are also nice touches for short money.
Paint Those Walls
Painting is one of the cheapest most effective improvements you can make in your home especially if the colors are not neutral to begin with. Even if you absolutely LOVE the colors you have chosen, most buyers may not agree with you. I know what your thinking painting is cheap...the buyer can just do it themselves. Most people think this way, however, there is a large part of the population that does not have any vision. Painting your home off white or in earth tones, is the best way to go. Remember, you are trying to appeal to the masses.
Wednesday, May 6, 2009
Tuesday, April 28, 2009
In most residential sales, a seller will deliver a Seller’s Disclosure Notice to a buyer on or before the effective date of a contract to purchase the property. The notice is required by law to be delivered. It provides important information about the seller’s knowledge of the condition of the property. Complete the notice to your best knowledge and belief. As your realtor, I will most likely ask that you complete the notice at the time the listing is first taken. Copies of the completed notice will be made available to the prospects looking at your property.
Once you and the buyer agree on terms and sign the contract, the buyer will generally have to find a lender and apply for a loan. As your realtor, I may monitor the loan process, which could last several weeks. During this time, I will also be busy coordinating other arrangements to prepare for the final sale. I take care of my clients from beginning to the end! Should you have any questions, I would be available and willing to answer them to the best of my ability.
Tuesday, April 21, 2009
Thursday, April 16, 2009
Tuesday, April 14, 2009
Wednesday, April 1, 2009
* Down Payment
* Qualifying For a Loan
* Closing Costs
Down Payment: A conventional loan typically requires a down payment. It is not uncommon for buyers to place a down payment of 10 to 20 percent of the purchase price. For example, on an $80,000 home, a down payment of $8,000 to $16,000 in cash may be warranted.
Government-backed loans require 5 percent or less as a down payment. Loans insured by the Federal Housing Administration (FHA) and the Veterans Administration (VA) are particularly useful to first-time buyers.
The thing to remember is that the higher your down payment, the lower the risk you pose for the lender and therefore the lender may be able to offer you better loan terms. The higher the down payment the lower your interest expense on the mortgage will be.
Qualifying For A Loan: The key is not what you think you can afford but how much a lender calculates you can afford. Be prepared to provide the lender with a two to five year financial history that contains the following:
Gross monthly income as well as employment history, education, and any secondary income such as bonuses, dividends, and child support. The lender may require a letter from your employer, W-2 forms, or, if you are self-employed, recent tax returns.
Current checking account balances, savings accounts, stocks and bonds, certificates of deposit, other property, insurance policies, and pension funds.
Debts on cars and appliances, debts on all credit cards, and history of debt repayment. Your lender may ask for a credit report, so you may want to clear up any known negative terms in advance.
I can help you determine what price range and monthly payment you can afford. The monthly payment typically consists of principal, interest, taxes and insurance – PITI, for short. The monthly payment is calculated based on the loan amount, the interest rate, the term of the loan, the costs of any insurance, and taxes. You can get an idea of what your payment will be by using this mortgage calculator.
Purchasing a home involves a number of other parties and services. For example, the lender may require a survey and an appraisal to be completed. The title company will hire an attorney to prepare the conveyance document. You may want to have an inspection completed. You can expect fees for such services as appraisal, survey, inspections, hazard insurance, loan origination (lender’s administrative costs), credit report, document preparation, title search and insurance, recording fees, notary, attorney and escrow.
You will pay for some fees and the seller will pay for others. The costs will vary depending on each transaction. Most lenders will provide you with a good faith estimate of such costs. I can also help you estimate what those costs might be.
One item at closing that is often confusing to first-time buyers is points. Points are an additional amount a lender charges up front for the loan. Points are interest collected in advance. One point is 1 percent of the loan amount. Three points on a $70,000 loan amount, for example will be $2,100. By collecting points (interest) in advance, the lender actually increases his rate of return on the loan. For example, if market interest rates are at 8.5% for a 30-year loan with no points a lender might offer you an alternative loan at 8% if you pay some points.
One additional consideration is the other costs associated with owning a home – namely, utilities and maintenance. These costs will depend on the home you choose, but it’s a good idea to budget for them in advance.
Tuesday, March 31, 2009
I take part in the Multiple Listing Service (MLS). This service, usually a computerized system operated by the local Association of REALTORS®, compiles information about listed properties in the area and distributes it to member companies. As a result, when I list your home, REALTORS® from other companies learn about your home and try to match it with buyers they are working with. The buyers may include people from out-of-town who are trying to relocate to your area or local buyers with specific interests.
If you are a homeowner that is tired of trying to sell your home on your own, than give me a call! I am ready to work for you, providing the best possible service and giving your home the MAXIMUM EXPOSURE it needs in order to SUCCESSFULLY SELL!!! Call me today (859) 525-2624
Wednesday, March 25, 2009
Tuesday, March 17, 2009
On St. Patrick's Day, which falls during the Christian season of Lent, Irish families would traditionally attend church in the morning and celebrate in the afternoon. Lenten prohibitions against the consumption of meat were waived and people would dance, drink, and feast—on the traditional meal of Irish bacon and cabbage.
Thursday, March 12, 2009
1. Time to De-Clutter
*If you don't need it, get rid of it by either donating it, having a yard sale or throw away
*Pack up those knickknacks. Sure collections are nice, but less is more
*Clean off everything from your kitchen counters
2. Make Minor Repairs
*Patch the holes in the wall
*Fix those leaky faucets
*Paint walls to be a neutral color
*Fix doors and drawers so they open and close properly
3. Make Your House Sparkle
*Wash your windows, both inside and out
*Clean away cobwebs
*Re-caulk your sinks and showers
*Freshen up bath towels & worn out rugs
*Freshen up the air. Odors are a BIG turn off
4. Call ME, Bob Hahn
*Welcome the opportunity to work for you
*Will market your home for MAXIMUM exposure
*Will help you to get top dollar for your home
*Will work to provide the best possible real estate experience
Thursday, March 5, 2009
Conference Procedures. You must first schedule a conference with the PVA office during the inspection period. The inspection period begins the first Monday in May and continues for the next two weeks. This inspection period will be advertised in your local newspaper (The Boone County Recorder). At the conference, the PVA or deputy will explain how the new assessment was derived. All information used to reassess the property should be presented to the property owner.
The property owner must be prepared to present evidence supporting their claim of value for the property. Examples include:
*Sales or assessment data from comparable properties
*Income and expense statements for the past accounting properties (Commercial Property)
*Any recent appraisals of the property
*Original construction cost or cost of addition or improvements to the property
*Documentation of insured value
*Asking price information if the property has been recently offered for sale
The conference is usually an informal conference and it is not necessary for the property owner to be represented by an attorney. The PVA office asks that you fill out the following form to assist you in your appeals process. Residential Comparison Worksheet
Usually, an agreement or understanding can be reached between the two parties; however, if no agreement can be reached, the property owner can file an assessment appeal with the county clerk's office.
Filing the Appeal. The PVA must keep written record of each conference held. Upon completion of the conference, the PVA office must give a copy of the written appeal to the property owner which can be used as documentation when filing the assessment appeal with the county clerk.
The property owner must obtain and complete an appeals form from the County Clerk‘s office. The appeals form requires the property owner to provide general information about the property under appeal. Also required is confirmation that a conference was held with the PVA. The property owner must state his or her opinion of the fair cash value of the property and explain why it is too high. After completion, the property owner must then file the appeals form with the County Clerk's office. The County Clerk's office will schedule a hearing and notify all property owners when and where their appeal hearing will be held.
The last date to file an appeal is one working day after the close of the inspection period. For instance, if the inspection period closes on the third Monday of May, then all appeals must be filed in the Clerk's office by the close of business on the third Tuesday in May.
Local Appeal Hearing. The Local Board of Tax Appeals is made up of three property owners that have resided in Boone County for at least five years. One member is appointed by each: Judge-Executive, Fiscal Court, and Mayor of the City of Florence. All members should be knowledgeable about real estate values in the county. They serve a three year term.
The hearings at the local level are informal. Property owners do not have to hire an attorney or professional representative; however, they can have representation if they desire to do so. Any compensated representative of a property owner must be an attorney, a certified real estate appraiser, a Kentucky licensed real estate broker, an employee of the taxpayer, or any other individual possessing a professional appraisal designation recognized by the Revenue Cabinet.
Also, the representative must present written authorization from the property owner which states the professional capacity of the representative and it must also state any personal interests the representative may have in the outcome of the appeal, including any contingency fee arrangements. If the representative is an attorney, any contingency fee does not have to be disclosed.
At the hearing, the PVA will present information in support of the assessment and the property owner must present factual evidence to support his or her claim of value.
A property owner can have a conference with the PVA without providing any documentation but an appeal will be denied if the taxpayer has been asked to present information by the PVA, Revenue Cabinet, or the board, and fails to do so. A decision will not be made immediately by the board. The property owner will be notified by Certified Mail of the board's decision.
State Board of Appeals
If the property owner is dissatisfied with the local board's ruling, an appeal can then be filed at the State level with the Kentucky Board of Tax Appeals (KBTA). An appeal to the KBTA must be submitted within 30 days from the date of the mailing of the ruling notice sent by the local board of assessment appeals.
For more information, visit http://www.kbta.ky.gov
Remember, in the appeal process the first step is to schedule a conference with the PVA office during the inspection period. This MUST be done before any further action can be taken.
Wednesday, March 4, 2009
As your realtor, I take part in the Multiple Listing Service (MLS), a computerized system operated by the local Association of REALTORS®, compiles information about listed properties in the area and distributes it to member companies. As a result, when I list your home, REALTORS® from other companies learn about your home and try to match it with buyers they are working with. The buyers may include people from out-of-town who are trying to relocate to your area.
Why try to do it all yourself? Let me work for you! Not only do I take part in the MLS, I also advertise all of my listings in Welcome Homes Magazine, Harmon Homes Magazine, local cable ads and Craigslist. I have buyers, who call daily looking for specific types of properties. Why not let me lead them to your home? I am excited about selling YOUR home and ready to work for YOU! Call me and let's talk about your real estate needs! I CAN SELL YOUR HOME!!!!