Showing posts with label Evanston. Show all posts
Showing posts with label Evanston. Show all posts

Monday, November 26, 2012

9 Easy Home Winterization Projects

9 Easy Home Winterization Projects


As we near the end of November, we all are starting to sense that the infamous Chicago winter is right around the corner. While winter can be a beautiful time in Evanston with its charming downtown gleaming with holiday lights and cheer, having energy bills go through the roof is something that seems to weigh heavily on everyone’s mind.
To ensure your Evanston home is as energy efficient as possible this winter, we’ve gathered ten projects that you can do this weekend. You’ll not only save money, but you’ll be promoting eco-friendly living at the same time, which is something we can all appreciate! Make your Evanston home feel warmer without turning up the heat this winter. With these winterization tips, you'll save energy without spending much money

1. Dodge the Draft(s)
According to the U.S. Department of Energy, drafts can waste 5% to 30% of your energy use. Start simple and adopt that old Great Depression fixture – the draft snake, which you can easily make yourself. Just place a rolled bath towel under a drafty door, or make a more attractive DIY draft snake with googly eyes, felt tongues and the like. You can use any scraps of fabric -- even neckties -- and fill with sand or kitty litter for heft. Make sure drafts aren't giving your thermostat a false reading too, and read on for more advanced solutions.

2. Change Furnace Filters
Yes it's easy to forget, but it's important to replace or clean furnace filters once a month during the heating season. Dirty filters restrict airflow and increase energy demand. Here's a worry-saving tip: mark a monthly check on your calendar.
Better, consider switching to a permanent filter, which will reduce waste and hassle. Did you know that disposable fiberglass filters trap a measly 10 to 40% of debris? Electrostatic filters trap around 88%, and are much better at controlling the bacteria, mold, viruses and pollen that cause illness and irritation. They cost $50 to $1,000 or more. Another good choice is a genuine HEPA filter (like the one pictured), which can remove at least 99.97% of airborne particles. HEPA filters are based on Department of Energy standards. But avoid "HEPA-like" filters, which can be vastly less effective. If your entire furnace is in need of replacement, it will cost a lot more -- but replacing an inefficient burner for a modern machine will save you every month through the heating season.

3. Run Fans in Reverse
Most people think of fans only when they want to be cool, but many ceiling units come with a handy switch that reverses the direction of the blades. Counterclockwise rotation produces cooling breezes while switching to clockwise makes it warmer: air pooled near the ceiling is circulated back into the living space - cutting your heating costs as much as 10%!

4. Turn Down Your Water Heater
While many conventional water heaters are set to 140 degrees F by installers, most households don't need that much steam, and end up paying for it -- in dollars and the occasional scalding burn. Lowering the temperature to 120 degrees F (or lower) would reduce your water heating costs by 6% to 10%. If you start to wonder why you need a tank at all, then you may be ready for a tankless water heater, or to go solar.


5. Mind That Thermostat
It's easy to forget to turn down the heat when you leave your home, but doing so is one of the surest ways to save money. Most households shell out 50 to 70% of their energy budgets on heating and cooling, so why pay for what no one uses? For every degree you lower the thermostat during heating season, you'll save between 1 and 3% of your heating bill. Make it easier with a programmable thermostat; they are widely available for as little as $50, and the average family will save $180 a year with one. Go a step further and ask your local utility if it's making smart meters available in your area, as part of recent federal smart grid investments.

6. Put Up Some Plastic
For just a few dollars, pick up a window insulation kit at your local hardware or discount store. Don't worry -- properly installed, window plastic is essentially invisible. Adding a buffer against drafts and extra still air space can give a nice boost to your home's ability to hold heat. Save even more by hiring a pro to install a high-tech “low-e film” directly to the window glass. If your windows are old, consider investing in a set of efficient windows.

7. Use Caulking and Weatherstripping
Simple leaks can sap home energy efficiency by 5% to 30% a year, according to the U.S. Department of Energy. That means it pays to seal up gaps with caulking and weatherstripping.
Take a close look at places where two different building materials meet, such as corners, around chimneys, where pipes or wires exit and along the foundation. Use the incense test: carefully (avoiding drapes and other flammables) move a lit stick along walls; where the smoke wavers, you have air sneaking in. And heating or cooling sneaking out.
In another method, have someone on the outside blow a hair dryer around each window while you hold a lighted candle inside. If the candle flickers or goes out, you need to caulk or weather strip around the frame.

8. Put on a Sweater

Make like Jimmy Carter and dress warmer for winter, even inside. Gone are the days (for most of us at least) when we can afford to lounge around in our underwear while it's frosty outside. Remember what we said about each degree on the thermostat costing you money? Roughly speaking, a light long-sleeved sweater is worth about 2 degrees in added warmth, while a heavy sweater (even the ugliest of ugly sweaters) adds about 4 degrees. So cozy up and start saving.

9. Upgrade to an Efficient Furnace
Thankfully it's not something you have to do every year (or even every decade), but if your furnace is old you could save a lot of money in the long run (and improve your home's value) by upgrading to a new unit.
Make it an Energy Star-certified furnace and you'll save 15% to 20% versus standard new models. You could save 50% or more compared with many old furnaces still in operation. Photo Credit: Energy Star

Whether you decide to do a few, or all of these projects, you’ll find that the energy savings and eco-friendly choices will be well worth the effort this winter. Our goal is to not only help you buy or sell your home in Evanston, but to be Evanston Real Estate agents that have a holistic approach to the Evanston Real Estate market and lifestyle.
Please feel free to contact us if you have any questions about buying or selling in Evanston. We’re here to help and look forward to talking with you!



The Thomas Team
@ Properties
Chicago's #1 Real Estate Brokerage
Chicago & North Shore Real Estate
Visit Our Website
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Wednesday, November 14, 2012



The Thomas Team is Proud to Sponsor Evanston's Flying Turkey Run!


One of the things we enjoy about being real estate agents in Evanston is the opportunity to tell potential buyers or those relocating to the area what makes Evanston such a great place to call “home.” This vibrant, community-centered town is a unique blend of big city life, with Chicago nearby, and small town atmosphere. Charming turn of the century homes as well as renovated downtown Evanston condos also provide a wide variety of living options!
 
As Evanston Real Estate agents, we want to provide you with up to date Evanston Real Estate market news and pertinent home buying and selling information, but also give you a taste of the Evanston lifestyle. Today, we’re highlighting a a great event taking place in Evanston this month that you won’t want to miss!
 

THURSDAY, NOVEMBER 22ND AT 9AM
REGISTER ONLINE AT WWW.EVANSTONFLYING5K.COM




This certified 5K run and walk will be along the beautiful Evanston lakefront newly paved path beginning at Sheridan Road and Church Street.

Canned goods will be collected before the race to benefit the Evanston Harvest Food Pantry. Please bring non-perishable food items to donate to this worthy cause.

Every registered participant will receive a Goodie Bag for the event. The first 2000 participants will get a sweatshirt.

For full race details: www.evanstonflying5k.com

If you’re currently an Evanston resident, we’re sure you enjoy living in Evanston as much as we enjoy living and working here as Evanston Real Estate agents! Thinking of moving to this great city? Please feel free to contact us! We’ll answer any questions you may have about living in Evanston and can show you some of the gorgeous homes currently on the Evanston Real Estate market.

We look forward to hearing from you!


The Thomas Team
@ Properties

Chicago's #1 Real Estate Brokerage
Chicago & North Shore Real Estate
Visit Our Website
View Our Listings
Contact Us

Friday, September 21, 2012

Buying or Selling a home in the Fall or Winter

If you're buying or selling a home and the end of the spring-summer real estate season is stressing you out, relax.  Even though real estate sales do fall off at the end of warm weather, there's still plenty of buying and selling coming this fall and winter.
Remember, sales volume is not your problem. The only house you care about is the one you're selling or hoping to buy. What's more, many home buyers and sellers are bucking the seasonal nature of residential real estate. They're finding that buying or selling Evanston houses in the fall and winter months has many advantages -- not the least of which are the gorgeous fall leaf colors and holiday decorations that showcase many homes to their fullest potential
No matter which side of the transaction you're on, you can make the off-season work to your advantage. Here's why:

Sellers
  • Buyers are motivated. Many off-season Evanston buyers are more serious than some among the horde who descend like locusts on open houses in the spring. After all, there's a reason they didn't buy during the peak season. Perhaps they didn't have enough for a down payment or couldn't get financed. The fact that they've entered the market in a downtime might be very meaningful
  • There is a Second Season.  While sales definitely fall of in the early fall, they usually escalate again in October in many area.
  • Cyber Sales.  The expansion of the internet and the numbers of people who use it have added a significant off-season dimension to Evanston real estate stales.  Potential Evanston buyers now find Evanton properties for sale in the comfort of their home through a vast array of Websites, such as www.TheThomasTeamOnline.com.  Virtual tours can take them into homes an they can preview neighborhoods, schools and city information before venturing our.
  • Hindsight.  When you put up a home for sale in the fall or winter, you have the advantage of hindsight.  You and your agent can review which homes sold quickly in your area during the warm-weather "peak season."  This gives you the chance to adjust your price and terms accordingly and to make your home more marketable.
Buyers
  • There's Less Competition. How many times did that darling Evanton house you had your eye on in May get bought out from under you while you and your spouse talked over making an offer the very next day.  Sellers are often pressured. Motivation is critical in any real estate situation. Find out how long the house has been on the market. If it's been hanging around awhile, there's a good chance the seller is getting antsy. Sellers frequently drop their price -- especially as Christmas draws near -- giving buyers lower down payments and closing costs. If it went on the market after the peak season ended, the seller may have a pressing reason to sell, such as a job transfer, financial problems, divorce or illness to name just a few.
  • Tax Considerations. When you buy a new home before the end of the year, you'll be able to report items such as mortgage interest, points, closing costs, property taxes and more on your tax return.
  •  Interest Rates. If you're ready to buy, waiting until next spring can spell disaster. Many experts think we've seen the end of record-low interest rates and that mortgage rates will only go up from here
  •  Beating Price Hikes. As high as the Evanston home prices may seem to you now, chances are they'll only be higher when a new real estate season starts in March.
As Evanston Real Estate agents, The Thomas Team, we hope these tips are useful as you consider buying or selling a home in Evanston. Our goal is to provide you with current real estate information and tips as you enter the Evanston Real Estate market.

If you are ready to begin the process or still have a few more questions; please contact us! We’re here to help in any way we can and we look forward to working with you!

The Thomas Team


@Properties
Chicago's #1 Real Estate Brokerage

Visit Our Website
View Our Listings
Contact Us







Friday, May 18, 2012

Before You Buy Your First Evanston Home - Tips for a First-time Home Buyer


It's not uncommon for a first-timehome buyer to say to me, "Gosh, just last week I called you about buying an Evanston home and now I'm in escrow! How did this happen so fast?"
The answer is it didn't. First-time home buyers start the search long before most even realize it.
Here's what you can expect from your home shopping experience.

Benefits for a First-Time Home Buyer
You should buy an Evanston home. That's what you've been hearing from friends and family, right? So, by now you have likely already weighed the benefits and decided that Evanston home ownership was the best decision for you. That's a major hurdle now passed. You are focused and certain. Good.

Defining Search Parameters for a First-Time Evanston Home Buyer
Almost 80% of all home searches today begin on the Internet. With just a few clicks of the mouse, home buyers can search through hundreds of online listings, view virtual tours, and sort through dozens of photographs and aerial shots of neighborhoods and homes. You've probably defined your goals and have a pretty good idea of the type of home and neighborhood you want. By the time you reach The Thomas Team realestate agent's office, you are halfway to home ownership.

How Long Should It Take to Buy Your Evanston First Home?
In sellers’ markets, often we show only one home. After all, how many homes does one family need?  A few buyers will look for years, but buyers who do that aren't motivated. A motivated buyer will find a home within two weeks. Most of our buyers find a home within two days.

Good Evanston real estate agents will listen to your wants and needs and arrange to show only those homes that fit your particular parameters. Your ThomasTeam agent should preview homes before showing them to you as well.

How Many Homes Will a Home Buyer See?
Studies show that your memory dramatically improves after consumption of carbs and slows upon consuming sugar. So, lay off the soft drinks and have a hearty meal of carbs before venturing out to tour homes. The average number of homes that we at the ThomasTeam show to a buyer in one day is five. Any more than that, and the brain is on overload. Therefore, don't expect to see 20 or 30 homes; although it's physically possible to do so, you probably will not remember specific details about any of them.

The "Red Shoes" Experience for an Evanston Home Buyer
Women will relate to this. Say, you need a new pair of red shoes. You go to the mall. At the first shoe store, you find a fabulous pair of red shoes. You try them on. They fit perfectly. They are glamorous. Priced right, too. Do you buy them? Of course not! You go to every other store in the mall trying on red shoes until you are ready to drop from exhaustion. Then you return to the first store and buy those red shoes. Do not shop for an Evanston home this way. When you find the perfect home, buy it.

How a First-Time Home Buyer Can Rate Inventory
·   Bring a digital camera and begin each series of photos with a close-up of the house number to identify where each group of home photos start and end.
·   Take copious notes of unusual features, colors and design elements.
·   Pay attention to the home's surroundings. What is next door? Do 2-story homes tower over your single story?
·   Do you like the location? Is it near a park or a power plant?
·   Immediately after leaving, rate each home on a scale of 1 to 10, with 10 being the highest.

View Top Choices a Second Time Before Buying That First Home
After touring homes for a few days, you will probably instinctively know which one or two homes you would like to buy. Ask the Thomas Team to see them again. You will see them with different eyes and notice elements that were overlooked the first go-around.

At this point, your Thomas Team agent will call the listing agents to find out more about the sellers' motivation and to double-check that an offer hasn't come in, making sure these homes are still available to purchase.

Making the Selection To Buy an Evanston Home
I'll let you in on a little secret. We generally know which home a buyer is going to choose, and I suspect most other agents operate the same way. It's an intuition. But we at the ThomasTeam make it a practice not to steer buyers, and we insist that buyers choose the home without interference from us. It's not our choice to make.

Real estate agents are required, however, to point out defects and should help buyers feel confident that the home selected meets the buyer's search parameters. 

If you have any questions about buying your first Evanston Home,  please let us know.  We’re here to help in any way we can and would enjoy the opportunity to help you make Evanston your new home!
We look forward to hearing from you!


The Thomas Team
@ 
Properties
Chicago's #1 Real Estate Brokerage


Saturday, April 21, 2012

How To Spring Clean Your Finances

Don't limit spring cleaning to your closets and cupboards-it's time to get your finances in order too! From reviewing your retirement plan to updating your budget, here are seven tips to help you freshen up your finances.


1. Check your credit
It's important to check your credit once a year. You need to make sure there aren't any errors dragging down your credit score. Free reports are available annually from each of the major credit bureaus at www.annualcreditreport.com. It's free, takes 10 minutes, and will give you peace of mind.

2. Update your budget
If you don't have a budget, make one. It will make managing your less overwhelming. If you already have a budget, make sure you update it once a year. Add any pay increases (or decreases) and adjust accordingly. Have a little excess money each month? Instead of blowing it on a weekend in New York City or a new dress you don't need, squirrel it away in savings.

3. Make a plan to cut your debt
Think of debt as clutter you need to put away. If you're carrying sizeable debts on your credit cards, it's time to make a plan to pay them off. Prioritize based on interest rate and balance and choose one to focus on this next year. This will keep your goal to reduce debt realistic and attainable. If you're expecting a tax refund, think about putting towards your biggest balance.


4. Review your retirement plan
When was the last time you peeked at your 401(k) or IRA? It's time to take a minute and review your investment strategy and make sure it still matches up with your retirement goals. If need be, chat with a retirement advisor about adjusting your investments to match your current risk tolerance.


5. Shred old documents
It can be hard to throw away or shred financial statements, but trust us; you don't need your bank statements from 2003. Outside of tax returns, which you should keep for five years as well as the supporting documentation and receipts, everything else can be thrown away after two years. Make sure you shred anything with personal info; just throwing it away can invite identity theft.

6. Make a will
If you don't have one already, there's no better time to make a will. If you die and leave no will, your assets may not be distributed as you'd planned and your estate will lose money trying to divvy it all out. If you already have a will, this is a good time to review it and make any adjustments based on new income or investments.


7. Review your stock portfolio
If you've been waiting for an investment to bounce back and it's been more than a year, it might be time to let it go. Holding on to stocks for emotional reasons instead of logical ones can end is disappointment-and huge losses of money. Make sure your investments are in line with your overall financial goals.

The Thomas Team
@ 
Properties
Chicago's #1 Real Estate Brokerage