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Each month, we publish a series of articles of interest to homeowners -- money-saving tips, household safety checklists, home improvement advice, real estate insider secrets, etc. Whether you currently are in the market for a new home, or not, we hope that this information is of value to you. Please feel free to pass these articles on to your family and friends.

ISSUE #1199
FEATURE REPORT

Cooling Your Home Naturally
Keeping cool indoors when it is hot outdoors is a problem. The sun beating down on our homes causes indoor temperatures to rise to uncomfortable levels. Air conditioning provides some relief. But the initial costs of installing an air conditioner and the electricity costs to run it can be high. In addition, conventional air conditioners use refrigerants made of chlorine compounds, suspected contributors to the depletion of the ozone layer and global warming. But there are alternatives to air conditioning. This information provides some common sense suggestions and low-cost retrofit options to help you "keep your cool"- and save electricity.




Also This Month...
Ten Things You Need to Know Before You Hire an Agent
Picking an agent is one of those critical issues that can cost or save you thousands of dollars. There are very specific questions you should be asking to ensure that you get the best representation for your needs.


 
 

How To Protect Your Home While Away
With a steady increase of crime in North America, home safety is a big issue these days. When leaving your home, practice the following advice - it could pay big, big dividends.



Quick Links
Cooling Your Home Naturally
Ten Things You Need to Know Before You Hire an Agent
How To Protect Your Home While Away
 

 

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Cooling Your Home Naturally

Keeping cool indoors when it is hot outdoors is a problem. The sun beating down on our homes causes indoor temperatures to rise to uncomfortable levels. Air conditioning provides some relief. But the initial costs of installing an air conditioner and the electricity costs to run it can be high. In addition, conventional air conditioners use refrigerants made of chlorine compounds, suspected contributors to the depletion of the ozone layer and global warming. But there are alternatives to air conditioning. This information provides some common sense suggestions and low-cost retrofit options to help you "keep your cool"- and save electricity.

Staying Cool

An alternative way to maintain a cool house or reduce air conditioning use is natural (or passive) cooling. Passive cooling uses non-mechanical methods to maintain a comfortable indoor temperature.

The most effective method to cool your home is to keep the heat from building up in the first place. The primary source of heat buildup (i.e., gain) is sunlight absorbed by your house through the roof, walls, and windows. Secondary sources are heat generating appliances in the home and air leakage. Specific methods to prevent heat gain include reflecting heat (i.e., sunlight) away from your house, blocking the heat, removing built up heat, and reducing or eliminating heat generating sources in your home.

Reflecting Heat Away

The most effective method to cool your home is to keep the heat from building up in the first place. Dull, dark colored home exteriors absorb 70% to 90% of the radiant energy from the sun that strikes the home's surfaces. Some of this absorbed energy is then transferred into your home by way of conduction, resulting in heat gain. In contrast, light colored surfaces effectively reflect most of the heat away from your home.

Installing a radiant barrier

Radiant barriers are easy to install. It does not matter which way the shiny surface faces - up or down. But you must install it on the underside of your roof - not horizontally over the ceiling, and the barrier must face an airspace.

For your own comfort while in the attic, install the radiant barrier on a cool, cloudy day. Use plywood walk boards or wooden planks over the ceiling joists for support. Caution: Do not step between the ceiling joists, or you may fall through the ceiling.

Staple the foil to the bottom or side of the rafters, draping it from rafter to rafter. Do not worry about a tight fit or small tears in the fabric; radiant transfer is not affected by air movement. The staples should be no more than 2 to 3 inches (5 to 8 centimeters) apart to prevent air circulation from loosening or detaching the radiant barrier. Use a caulking gun to apply a thin bead of construction adhesive to the rafters along the seams of the foil barrier. This will make the installation permanent.

Roofs

About a third of the unwanted heat that builds up in your home comes in through the roof. This is hard to control with traditional roofing materials. For example, unlike most light colored surfaces, even white asphalt and fiberglass shingles absorb 70% of the solar radiation. One good solution is to apply a reflective coating to your existing roof. Two standard roofing coatings are available at your local hardware store or lumberyard. They have both waterproof and reflective properties and are marketed primarily for mobile homes and recreational vehicles. One coating is white latex that you can apply over many common roofing materials, such as asphalt and fiberglass shingles, tar paper, and metal.

A second coating is asphalt based and contains glass fibers and aluminum particles. You can apply it to most metal and asphalt roofs. Because it has a tacky surface, it attracts dust, which reduces its reflective somewhat.

Another way to reflect heat is to install a radiant barrier on the underside of your roof. A radiant barrier is simply a sheet of aluminum foil with a paper backing. When installed correctly, a radiant barrier can reduce heat gains through your ceiling by about 25%. (see box for information on installing a radiant barrier.)

Radiant barrier materials cost between $0.13 per square foot ($1.44 per square meter) for a single-layer product with a kraft-paper backing and $0.30 per square foot ($3.33 per square meter) for a vented multiflora product with a fiber-reinforced backing. The latter product doubles as insulation.

Walls

Wall color is not as important as roof color, but does affect heat gain somewhat. White exterior walls absorb less heat than dark walls, and light, bright walls increase the longevity of siding, particularly on the east, west, and south sides of the house.

Windows

Roughly 40% of the unwanted heat that builds up in your home comes in through windows. Reflective window coatings are one way to reflect heat away from your home. These coatings are plastic sheets treated with dyes or thin layers of metal. Besides keeping your house cooler, these reflective coatings cut glare and reduce fading of furniture, draperies, and carpeting.

Two main types of coatings include sun-control films and combination films. Sun-control films are best for warmer climates because they can reflect as much as 80% of the incoming sunlight. Many of these films are tinted, however, and tend to reduce light transmission as much as they reduce heat, thereby darkening the room.

Combination films allow some light into a room but they also let some heat in and prevent interior heat from escaping. These films are best for climates that have both hot and cold seasons. Investigate the different film options carefully to select the film that best meets your needs. Note: do not place reflective coatings on south facing windows if you want to take advantage of heat gain during the winter. The coatings are applied to the interior surface of the window. Although you can apply the films yourself, it is a good idea to have a professional install the coatings, particularly if you have several large windows. This will ensure a more durable installation and a more aesthetically pleasing look.

Blocking the Heat

Two excellent methods to block heat are insulation and shading. Insulation helps keep your home comfortable and saves money on mechanical cooling systems such as air conditioners and electric fans. Shading devices block the sun's rays and absorb or reflect the solar heat.

Insulation

Weatherization measures - such as insulating, weather stripping, and caulking - help seal and protect your house against the summer heat in addition to keeping out the winter cold. The attic is a good place to start insulating because it is a major source of heat gain. Adequately insulating the attic protects the upper floors of a house. Recommended attic insulation levels depend on where you live and the type of heating system you use. For most climates, you want a minimum of R-30. In climates with extremely cold winters, you may want as much as R-49.

Wall insulation is not as important for cooling as attic insulation because outdoor temperatures are not as hot as attic temperatures. Also, floor insulation has little or no effect on cooling.

Although unintentional infiltration of outside air is not a major contributor to inside temperature, it is still a good idea to keep it out. Outside air can infiltrate your home around poorly sealed doors, windows, electrical outlets, and through openings in foundations and exterior walls. Thorough caulking and weather stripping will control most of these air leaks.

Shading

Shading your home can reduce indoor temperatures by as much as 20°F (11°C). Effective shading can be provided by trees and other vegetation and exterior or interior shades.

Landscaping

Landscaping is a natural and beautiful way to shade your home and block the sun. A well placed tree, bush, or vine can deliver effective shade and add to the aesthetic value of your property. When designing your landscaping, use plants native to your area that survive with minimal care. Trees that lose their leaves in the fall (i.e., deciduous) help cut cooling energy costs the most. When selectively placed around a house, they provide excellent protection from the summer sun and permit winter sunlight to reach and warm your house. The height, growth rate, branch spread, and shape are all factors to consider in choosing a tree. Vines are a quick way to provide shading and cooling. Grown on trellises, vines can shade windows or the whole side of a house. Ask your local nursery which vine is best suited to your climate and needs.

Besides providing shade, trees and vines create a cool microclimate that dramatically reduces the temperature (by as much as (9°F [5°C]) in the surrounding area. During photosynthesis, large amounts of water vapor escape through the leaves, cooling the passing air. and the generally dark and coarse leaves absorb solar radiation. You might also consider low ground cover such as grass, small plants, and bushes. A grass-covered lawn is usually 10°F (6°C) cooler than bare ground in the summer. If you are in an arid or semiarid climate, consider native ground covers that require little water.

Planning Your Planting

Placement of vegetation is important when landscaping your home. The following are suggestions to help you gain the most from vegetation.

  • Plant trees on the northeast-southeast and the northwest-southwest sides of your house. Unless you live in a climate where it is hot year round, do not plant trees directly to the south. Even the bare branches of mature deciduous trees can significantly reduce the amount of sun reaching your house in the winter.
  • Plant trees and shrubs so they can direct breezes. Do not place a dense line of evergreen trees where they will block the flow of cool air around or through them.
  • Set trellises away from your house to allow air to circulate and keep the vines from attaching to your house's facade and damaging its exterior. Placing vegetation too close to your house can trap heat and make the air around your house even warmer.
  • Do not plant trees or large bushes where their roots can damage septic tanks, sewer lines, underground wires, or your house's foundation.
  • Make sure the plants you choose can withstand local weather extremes.

Shading Devices

Both exterior and interior shades control heat gain. Exterior shades are generally more effective than interior shades because they block sunlight before it enters windows. When deciding which devices to use and where to use them, consider whether you are willing to open and close them daily or just put them up for the hottest season. You also want to know how they will affect ventilation.

Exterior shading devices include awnings, lovers, shutters, rolling shutters and shades, and solar screens. Awnings are very effective because the block direct sunlight. They are usually made of fabric or metal and are attached above the window and extend down and out. A properly installed awning can reduce heat gain up to 65% on southern windows and 77% on eastern windows. A light colored awning does double duty by also reflecting sunlight.

Maintaining a gap between the top of the awning and the side of the house helps vent accumulated heat from under a solid- surface awning. If you live in a climate with cold winters, you will want to remove awnings for winter storage, or by retractable ones, to take advantage of winter heat gain.

The amount of drop (how far down the awing comes) depends on which side of your house the window is on. An east or west window needs a drop of 65% to 75% of the window height. A south-facing window only needs a drop of 45% to 60% for the same amount of shade. A pleasing angle to the eye for mounting and awning is 45°. Make sure the awning does not project into the path of foot traffic unless it is at least 6 feet 8 inches (2 meters) from the ground.

One disadvantage of awnings is that they can block views, particularly on the east and west sides. However, slatted awnings do allow limited viewing through the top parts of windows.

Louvers are attractive because their adjustable slats control the level of sunlight slats control the level of sunlight entering your home and, depending on the design, can be adjusted from inside or outside your house. The slats can be vertical or horizontal. Louvers remain fixed and are attached to the exteriors of window frames.

Shutters are movable wooden or metal covering that, when closed, keep sunlight out. Shutters are either solid or slatted with fixed or adjustable slats. Besides reducing heat gain, they can provide privacy and security. Some shutters help insulate windows when it is cold outside.

Rolling shutters have a series of horizontal slats that run down along a track. Rolling shades use a fabric. These are the most expensive shading options, but the work well and can provide security. Many exterior rolling shutters or shades can be conveniently controlled from the inside. One disadvantage is that when fully extended, the block all light.

Solar screens resemble standard window screens except they keep direct sunlight from entering the window, cut glare, and block light without blocking the view or elimination air flow. They also provide privacy by restricting the view of the interior from outside your house. Solar screens come in a variety of colors and screening materials to compliment any home. Although do-it-yourself kits are available, these screens will not last as long as professionally built screens.

Although interior shading is not as effective as exterior shading, it is worthwhile if none of the previously mentioned techniques are possible. There are several ways to block the sun's heat from inside your house.

Draperies and curtains made of tightly woven, light-colored, opaque fabrics reflect more of the sun's rays than they let through. The tighter the curtain is against the wall around the window, the better it will prevent heat gain. Two layers of draperies improve the effectiveness of the draperies' insulation when it is either hot or cold outside.

Venetian blinds, although not as effective as draperies, can be adjusted to let in some light and air while reflecting the sun's heat. Some newer blinds are coated with reflective finishes. To be effective, the reflective surfaces must face the outdoors. Some interior cellular (honeycombed) shades also come with reflective mylar coatings. But they block natural light and restrict air flow.

Opaque roller shades are effective when fully drawn but also block light and restrict air flow.

Removing Built-Up Heat

Nothing feels better on a hot day than a cool breeze. Encouraging cool air to enter your house forces warm air out, keeping your house comfortably cool. However, this strategy only works when the inside temperature is higher than the outside temperature.

Natural ventilation maintains indoor temperatures close to outdoor temperatures close to outdoor temperatures and helps remove heat from your home. But only ventilated during the coolest parts of the day or night, and seal off your house from the hot sun and air during the hottest parts of the day. The climate you live in determines the best ventilation strategy. In areas with cool nights and very hot days, let the night air in to cool your house. By the time the interior heats up, and the outside air should be cooler and can be allowed indoors.

In climates with day time breezes, open windows on the side from where the breeze is coming and on the opposite side of the house. Keep interior doors open to encourage whole house ventilation. If your location lacks consistent breezes, create them by opening the windows at the lowest and highest points in your house. This natural "thermo siphoning," or "chimney," effect can be taken a step further by adding a clerestory or a vented skylight.

In hot, humid climates where temperature swings between day and night are mall, ventilate when humidity is not excessive. Ventilating your attic greatly reduces the amount of accumulated heat, which eventually works its way into the main part of your house. Ventilated attics are about 30°F (16°C) cooler than unventilated attics. Properly sized and placed louvers and roof vents help prevent moisture buildup and overheating in your attic.

Reducing Heat-Generating Sources

Often overlooked sources of interior heat gain are lights and household appliances, such as ovens, dishwashers, and dryers. Because most of the energy that incandescent lamps use is given off as heat, use them only when necessary. Take advantage of daylight to illuminate your house, and consider switching to compact fluorescent lamps. These use about 75% less energy than incandescent lamps, and emit 90% less heat for the same amount of light.

New, energy efficient appliances generate less heat and use less energy.

Many household appliances generate a lot of heat. When possible, use them in the morning or late evening when you can better tolerate the extra heat. Consider cooking on an outside barbecue grill or use a microwave oven, which does not generate as much heat and uses less energy than a gas or electric range.

Washers, dryers, dishwashers, and water heaters also generate large amounts of heat and humidity. To gain the most benefit, seal off your laundry room and water heater from the rest of the house.

New, energy efficient appliances generate less heat and use less energy. When it is time to purchase new appliances, make sure the are energy efficient. All refrigerators, dishwashers, and dryers display an energy guide label indicating the annual estimated cost for operating the appliance or a standardized energy efficiency ratio. Compare appliances and buy the most efficient models for your needs.

Saving Energy

Using any or all of these strategies will help keep you cool. Even if you use air conditioning, many of these strategies, may not be enough. Sometimes you need to supplement natural cooling with mechanical devices. Fans and evaporative coolers can supplement your cooling strategies and cost less to install and run than air conditioners.

Ceiling fans make you feel cooler. Their effect is equivalent to lowering the air temperature by about 4°F (2°C). Evaporative coolers use about one-fourth the energy of conventional air conditioners.

Many utility companies offer rebates and other cost incentives when you purchase or install energy saving products, such as insulation and energy efficient lighting and appliances. Contact your local utility company to see what it offers in the way of incentives.

Cooling Strategies Checklist

Cooling strategies to consider:

  • lighten roof and exterior wall color
  • replace/coat roof with bright white or shiny material
  • install a radiant barrier
  • add reflective coatings to windows
  • insulate attic and walls
  • caulk and weather strip to seal air leaks
  • add shade trees, bushes, or vines
  • add exterior awnings and shades
  • add interior drapes and shades
  • ventilate attic
  • increase natural ventilation
  • isolate heat-generating appliances
  • replace heat-generating appliances
  • replace light bulbs with energy-efficient fluorescent's

 

 

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Ten Things You Need to Know Before You Hire an Agent


"It's critical that you make the right decision about who will handle what is probably the single largest financial investment you will ever make."

Not all real estate agents are the same. If you decide to seek the help of an agent when selling or buying your home, you need some good information before you make any moves.

An agent can cost or save you thousands of dollars

Picking an agent is one of those critical issues that can cost or save you thousands of dollars. There are very specific questions you should be asking to ensure that you get the best representation for your needs. Some agents may prefer that you donít ask these questions, because the knowledge youíll gain from their honest answers will give you a very good idea about what outcome you can expect from using this agent. And letís face it - in real estate, as in life - not all things are created equal.

Hiring a real estate agent is just like any hiring process - with you on the bossís side of the desk. Itís critical that you make the right decision about who will handle what is probably the single largest financial investment you will ever make.

1. What makes you different? Why should I list my home with you?

Itís a much tougher real estate market than it was a decade ago. What unique marketing plans and programs does this agent have in place to make sure that your home stands out favorably versus other competing homes? What things does this agent offer you that others donít to help you sell your home in the least amount of time with the least amount of hassle and for the most amount of money?

2. What is your companyís track record and reputation in the market place?

It may seem like everywhere you look, real estate agents are boasting about being #1 for this or that, or quoting you the number of homes theyíve sold. If youíre like many homeowners, youíve probably become immune to much of this information. After all, you ask, "Why should I care about how many homes one agent sold over another. The only thing I care about is whether they can sell my home quickly for the most amount of money."

Well, because you want your home sold fast and for top dollar, you should be asking the agents you interview how many homes they have sold. Iím sure you will agree that success in real estate is selling homes. If one agent is selling a lot of homes where another is selling only a handful, ask yourself why this might be? What things are these two agents doing differently?

You may be surprised to know that many agents sell fewer than 10 homes a year. This volume makes it difficult for them to do full impact marketing on your home, because they canít raise the money it takes to afford the advertising and special programs to give your home a high profile. Also, at this low level, they probably canít afford to hire an assistant, which means that theyíre running around trying to do all the components of the job themselves, which means service may suffer.

3. What are your marketing plans for my home?

How much money does this agent spend in advertising the homes s/he lists versus the other agents you are interviewing? In what media (newspaper, magazine, TV etc.) does this agent advertise? What does s/he know about the effectiveness of one medium over the other?

4. What has your company sold in my area?

Agents should bring you a complete listing of both their own, and other comparable sales in your area.

5. Does your Broker control your advertising or do you?

If your agent is not in control of their own advertising, then your home will be competing for advertising space not only with this agentís other listings, but also with the listings of every other agent in the brokerage.

6. On average, when your listings sell, how close is the selling price to the asking price?

This information is available from the Real Estate Board. Is this agentís performance higher or lower than the board average? Their performance on this measurement will help you predict how high a price you will get for the sale of your home.

7. On average, how long does it take for your listings to sell?

This information is also available from the Real Estate Board. Does this agent tend to sell faster or slower than the board average? Their performance on this measurement will help you predict how long your home will be on the market before it sells.

8. How many Buyers are you currently working with?

Obviously, the more buyers your agent is working with, the better your chances are of selling your home quickly. It will also impact price because an agent with many buyers can set up an auction-like atmosphere where many buyers bid on your home at the same time. Ask them to describe the system they have for attracting buyers.

9. Do you have a reference list of clients I could contact?

Ask to see this list, and then proceed to spot check some of the names.

10. What happens if Iím not happy with the job you are doing to get my home sold?

Can I cancel my listing contract? Be wary of agents that lock you into a lengthy listing contract which they can get out of (by ceasing to effectively market your home) but you canít. There are usually penalties and broker protection periods which safeguard the agentís interests, but not yours. How confident is your agent in the service s/he will provide you? Will s/he allow you to cancel your contract without penalty if youíre not satisfied with the service provided?

Evaluate each agentís responses to these 10 questions carefully and objectively. Who will do the best job for you? These questions will help you decide.


 

 

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How To Protect Your Home While Away

With a steady increase of crime in North America, home safety is a big issue these days. When leaving your home, practice the following advice - it could pay big, big dividends.

Going to the Market or out to Dinner? 

A residence which presents a "lived-in" appearance is a deterrent to burglars. Never leave notes that can inform a burglar that your house is unoccupied. Make certain all windows and doors are secured before departing. An empty garage advertises your absence, so close the doors.

When going out at night, leave one or more interior lights on and perhaps have a radio playing (TV sets should not be left unattended). Timers may be purchased that will turn lights on and off during your absence.

Do not leave door keys under flower pots or doormats, inside an unlocked mailbox, over the doorway, or in other obvious places.

When Planning Vacations or Prolonged Absence 

Discontinue milk, newspaper, and other deliveries by phone or in person ahead of time. Do not leave notes.  Arrange for lawn care and have someone remove advertising circulars and other debris regularly. On the other hand, several toys scattered about will create an impression of occupancy.

Notify the post office to forward your mail or have a trustworthy person pick it up daily. Apartment house tenants should also heed this hint since stuffed mail receptacles are a give away when no one is home.

Inform neighbours of your absence so they can be extra alert for suspicious persons. Leave a key with them so your place may be periodically inspected. Ask them to vary the positions of your shades and blinds.

When you leave, do not publicize your plans. Some burglars specialize in reading newspaper accounts of other people's vacation activities.

If you find a door or window has been forced or broken while you were away, DO NOT ENTER. The criminal may still be inside. Use a neighbour's phone immediately to summon police.

Do not touch anything or clean up if a crime has occurred. Preserve the scene until police inspect for evidence.

Always Remember to: 
  1. Lock before you leave. 
  2. Trust a neighbour with a key. 
  3. Be a concerned neighbour - yourself.
 

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Brought To You By: Raimundas Valacka
Keller Williams Realty Baltimore 1118 Light St., Suite B. Baltimore, MD 21230
Cell: 410-491-8948 Phone: 443-874-7617/410-342-4444 Fax: 267-350-9272
Raimundas@valackahomes.com