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Home > Archives for March 2014

Archives for March 2014

Forget Cash – We Need Cupcakes!

Who doesn’t love a midnight snack, right? But what if your sweet tooth is in overdrive and there’s not an ounce of sugar to be found in your home? Well, just take a quick trip to the 24/7 cupcake ATM, of course! Yup, I said cupcake.

Called “cupcake automats,” these 24-hour cupcake ATMs from the popular cupcake chain, Sprinkles, are growing throughout the U.S. and are expected to be in every major city soon. The first one opened in Beverly Hills, Calif. earlier this year.

The company plans on opening multiple locations in New York City. “We’re looking at midtown, downtown, and the upper West Side,” reports company spokesperson Nicole Schwartz, “as well as automats in Washington, D.C. and Chicago this summer.”

According to Schwartz the cupcake automats will be stocked with the chain’s most popular flavors as well as the flavors of the day. The initial plan is for eight flavors overall, although the machines are designed to eventually hold more. The company serves over 30different cupcake flavors, including new seasonal flavors like Irish chocolate, green velvet and cherry blossom. “Each cupcake is packaged individually in a box that is held by an insert. The package is a really great gift option,” she said.

The cupcake automats will be stocked with hundreds of cupcakes at a time, as well as cupcakes for Fido, apparel and cake mixes. Each cupcake is packaged individually in a box, making it a great last-minute gift option as well.

And, adds Schwartz, don’t worry about eating a stale cupcake. The Sprinkles bakery is a round-the-clock operation with bakers commencing at 2 a.m. and closing shop at midnight. Now we can all have our cake and eat it whenever we choose!

Source: ABC News

Tips for Negotiating Your Home Sale

If you are currently trying to sell your home, you may want to consider sweetening the pot in response to low-ball offers. Rather than heckle over money and bids, here are a few tactics you can try out in order to get as close to asking price as possible.

• Paying for some of the buyers’ title insurance, closing costs and/or points.
• Pay homeowner’s association fees for a year.
• Look into buying down the buyers’ mortgage rate for the first year.
• Cover a year’s cost for a lawn-maintenance/snow removal service.
• Pay or provide an allowance toward moving expenses.
• Provide the buyers with a home warranty.
• Pay for the lawn and pool services for a year.
• Offer a golf club membership, pool membership, or cable subscription.
• Offer an allowance to repaint, new carpeting or for window treatments.Incentives, especially for first time homebuyers, can often do the trick, the site states.

Even in declining markets it is extremely important to be cognizant of comparable properties, and to price one’s home to entice potential buyers to view it and ultimately bid on it. Sellers should reject the temptation to hold out for top dollar, or to price the home at the upper end of what the market will bear. To get a sense of what similar homes are selling for, Investopedia.com recommends:

• Attending open houses
• Perusing the newspaper for local listings
• Ask me to print up comparable listings on the multiple listing service (MLS)

Renting instead of Buying? Read This!

Buying A Home Is Now 38% Cheaper Than Renting

Is renting or buying a better financial bet? Every six months, Trulia’s chief economist Jed Kolko runs the numbers to answer that question and help you stay on top of the trends.  So what does Trulia’s Winter 2014 Rent vs. Buy Report tell us? Although the gap between renting and buying is narrowing across the U.S., homeownership is still 38% cheaper than renting.

Homeownership remains cheaper than renting nationally and in all of the 100 largest metro areas according to Trulia TRLA -3.48%’s latest Winter Rent vs. Buy report. Rising mortgage rates and home prices have narrowed the gap over the past year, though rates have recently dropped and price gains are slowing. Now, at a 30-year fixed rate of 4.5%, buying is 38% cheaper than renting nationally, versus being 44% cheaper one year ago.

The rent versus buy math is different in each local market. Buying ranges from being just 5% cheaper than renting in Honolulu to being 66% cheaper than renting in Detroit. But even for a specific market, the cost of buying versus renting depends on how much home prices rise (or fall) after you buy. Our model assumes conservative home price appreciation, but – as we all know after the last decade – home prices can unexpectedly rocket or plummet.

Buying Beats Renting Until Mortgage Rates Hit 10.6%

Even though prices increased sharply in many markets over the past year, low mortgage rates have kept homeownership from becoming more expensive than renting. Also, in some markets, like San Francisco and Seattle, rents have risen sharply; rising rents hurt affordability relative to incomes, but rising rents make buying look cheaper in comparison.

Will renting become cheaper than buying soon? Some markets might tip in favor of renting this year as prices continue to rise faster than rents and if – as most economists expect – mortgage rates rise, due both to the strengthening economy and Fed tapering. For each metro, we identified the mortgage rate “tipping point” at which renting becomes cheaper than buying, given current prices and rents. If rates rise, Honolulu would become the first metro to tip, at a mortgage rate of 5.0%. San Jose and San Francisco would also tip before rates reach 6%. But those are the extreme markets. Nationally, rates would have to rise to 10.6% for renting to be cheaper than buying – and rates haven’t been that high since 1989.

30 Quick and Easy Cleaning Tips

You love a spotless house—but you don’t want to spend the bulk of your time actuallycleaning. Well, fret no more. We talked to seven experts who gave us some of their best methods to make chores easier, more effective and much less time-consuming, so you can have a tidy, sparkling home in no time flat. Even Mom would approve.

In The Kitchen

  • Circle Your Way Around: Always begin on the right side of your stove, then move clockwise around the room. The stove is typically the dirtiest part of the kitchen, so ending with it keeps you from spreading dirt and grease. (First, soak drip pans and knobs in warm soapy water. By the time you’ve worked your way around, they’ll be easier to clean.)
  • Sanitize the Sink: It’s hard to believe, but your dirty kitchen sink has more bacteria than your toilet seat. Use a product labeled as an EPA-registered disinfectant, or make your own. To disinfect, clean your sink with soap and water first, then spray a mist of vinegar followed by a mist of hydrogen peroxide, and let air-dry. (Don’t mix the vinegar and hydrogen peroxide together—spray one after the other.) If your sink is stainless steel, make it sparkle afterward by putting a few drops of mineral oil on a soft cloth and buffing. This prevents water buildup, which deters mold and keeps the sink looking clean longer.
  • Do Dishwasher Duty:: Once a week, shake baking soda on a damp sponge and wipe around the machine’s edges to remove stuck-on food or stains. To clean the inside, run an empty cycle with Dishwasher Magic, a product designed to kill bacteria like E.coli. “During cold and flu season, add a quarter-cup of bleach to the regular dish cycle to kill bacteria,” says Laura Dellutri. The dishes will be safe and sanitized after the rinse cycle is finished.
  • Love Your Oven: Keep the heart of your kitchen clean by lining the bottom with a nonstick ovenliner. It can be wiped with a paper towel, put in the dishwasher, and reused over and over.
  • Disinfect the Disposal: To get rid of odors, drop in a cut-up lemon, some salt and a few ice cubes. The lemon deodorizes, and the ice and salt clean away residue. Or try Disposer Care (DisposerCare.com), which is specifically designed for the job.
  • Crumple Paper Towels…Forever: Use microfiber cloths instead. When wet, they sanitize and clean floors, counters, glass and tile, and eliminate the need for other cleaning products. They’re reusable (machine-wash, hang to dry) and cost about $5 for a two-pack.
  • Clean as You Go: Linda Cobb suggests filling your sink with hot soapy water as you start dinner. “Place used dishes and pans in the filled sink so they’ll be soaking while you eat,” she says. Also, wipe up any spills immediately—don’t give sauces, oils or spices a chance to sit around.
  • Zap the Sponge: We all know that sponges can be a breeding ground for bacteria. Disinfect yours every night by squeezing it out and microwaving it on high for a minute. When it’s shredded and smelly, replace it.

Bathroom Boosters

  • Make Doors Shine: Rubbing a teaspoon of lemon oil on glass shower doors twice a month causes water to bead up and roll off. Or, try Rain-X Original Glass Treatment, a car-care product made to keep rainwater off your windshield. Use it twice a year.
  • Get a Cleaner Liner: Mold and mildew attacking your shower curtain liner? Throw it in the wash with a few towels, which will help scrub it clean, then hang it back up to dry.
  • Tame the Toilet: Drop a teaspoon of Tang Drink Mix in the bowl. The citric acid acts like a scrubber…and it’s nontoxic, in case the dog takes a sip. Let it sit for a few minutes, then swish and flush. And if you cringe at the idea of getting splashed by toilet water (ugh!), Donna Smallin suggests pushing the toilet brush in and out of the trap before you begin. This lowers the water level, allowing you to safely swish away.
  • Corral Strays: Keep drains free of hair and clogs by using a product like Drano or Liquid-Plumr to make sure potential clogs are gone, then pour boiling water down drains once a week to keep problem-free. Get rid of those annoying stray hairs on the floor by sweeping them up with a damp wad of toilet paper every morning.
  • Use Bedtime as Clean Time: While the kids are washing up at night, wipe down the tub, toilet and mirrors, and toss out clutter. When they’re finished, quickly wipe down the sink and floor.Bathroom done.

Sweeping Solutions

Cleaning should always be done top to bottom. That way, any crumbs or dust that fall to the floor while you’re working get picked up last. And believe it or not, there’s a right way to sweep.

  • Pick the Right Broom: For indoors, choose one with finer bristles to pick up smaller dirt particles. For outdoors, go for stronger, stiffer bristles, which work better to clear porous surfaces.
  • Get Swept Away: To sweep, hold the broom like a canoe paddle, with one hand on top of the handle and the other toward the middle. Push your hands in opposite directions to get the most out of every sweeping stroke. Sweep from the outside in so that you don’t miss any spots, and move the dirt to the center of the room, where it will be easy to pick up.
  • Super Storage: Store brooms with the handle down. It makes them easier to find and protects the bristles.
  • Banish Dust Bunnies: Pick the proper dustpan. Minimize that annoying line of dust by choosing a dustpan with a rubber edge.

Bedroom Secrets

  • Start with the Bed: If your bed is made, your bedroom looks neat, says Marla Cilley. When you wake up, pull the covers up to your chin, then scissor-kick your way out of bed so it’ll be half made. Finish the job before you walk away.
  • Address Your Drawers: Most women have drawers full of clothes they don’t wear, and their dresser tops then become repositories for things they can’t store. Get rid of things you haven’t worn in a year and vow to put away your clean laundry each week.
  • Keep Just the Essentials: Have a “pamper basket” next to your bed with a book, some moisturizer, your knitting or something else you like to do in bed, says Cilley. Then keep your clock, a lamp and a box of tissues on your nightstand. That’s it.
  • Conquer Laundry
  • Stave Off Static: Since fabric softener and dryer sheets can strip towels of their absorbency, add ¼ cup white vinegar to the rinse cycle or throw two (new, clean) tennis balls in your dryer to get rid of static electricity, soften fabrics and eliminate the need for dryer sheets.
  • Switch on the Cold: Most everything can be washed in cold water (better for your bills and the environment). But use the hottest water possible for sheets, towels and underwear. Take special care with undergarments, putting them in the dryer as soon as possible to stop bacteria growth while they sit damp in the washer.

Mess-a-Laneous

  • Time It: If you actually time how long it takes to do certain chores, you won’t mind them as much, says Cilley. Believe it or not, most chores only take 10 minutes.
  • Multitask: Sarah Aguirre makes tasks go faster by doing two things at once. While on the phone, she folds laundry, fluffs pillows, picks up stray magazines and books, does dishes, sweeps or dusts.
  • Know the Hot Spots: Papers, odd toys and other things usually pile up on the dining room table or kitchen counter. Once you’ve got your table cleaned off, file papers or toss them. “One piece of paper multiplies like rabbits,” Cilley says.
  • Go Corner to Corner: When you’re vacuuming, begin in the farthest corner and work toward the door, using slow, repetitive front-to-back motions in an overlapping sequence, says Julie Rosenblum. As you look over the freshly vacuumed floor, you shouldn’t see any footprints.
  • Velcro Away Clutter: Label the bottom of each electronic game controller (Xbox, for example), and then Velcro it to the console, suggests Linda Cobb. You’ll never search for them again.
  • Make a Lost-and-Found: Every house needs one. Use a cute vintage lunch box or lidded storage container to stash lost game pieces, stray screws and buttons, and similar small items. When you need the item, you’ll know where to look first.
  • Do Quick Rescues: Do a 5-minute sweep through each room, taking a laundry basket with you. Place in it anything that doesn’t belong in that room, then put away the stuff that does belong there.
  • Stop Clutter at the Front Door: Mount a plastic or cloth shoe rack inside your front entry closet door, and use it to stash all kinds of living room and family room miscellany—toys, hats, gloves, magazines. You can even designate one of the pockets for mail you’re not sure whether to save or toss.

Feeling Safe and Secure?

You probably don’t like to think about crime, but no matter where you live, your income or your lifestyle, crime is a fact of life.  That doesn’t mean you have to be defenseless.  Put the following crime prevention tips into action to help deter crime and make your family and home more secure.

  • Lighten Up!  Leave your outside lights on at night.  If your neighborhood is dimly lit, ask your municipal authorities to add streetlights or replace existing bulbs with higher watt bulbs.  In most cases, your local power company will add a street light to a pole in front of your home for a nominal monthly fee.  Leave one or two lamps on inside your house when you’re not at home.
  • Trim the Hedges.  Tall hedges provide hiding places for potential burglars.  Keep your trimmed so that they’re no higher than your windowsills.
  • NO Notes.  Never leave notes on your door, even when you’re at home.
  • Make Noise.  Tune the stereo or TV to your favorite station when you leave the house.  To a burglar it means that someone’s home.
  • Don’t Provide Access.  Close and lock garage doors to protect valuables stored there and to prevent access to your house.
  • Be Careful with Spare Keys!  If you leave a spare key outside, be creative.  Burglars routinely check under flowerpots and welcome mats and on window ledges.
  • Lock Up!  Reliable dead bolt door locks and sturdy window latches help prevent break ins.
  • Install Peepholes.  Peepholes with magnifying lenses let you see who’s at your door – without opening it.
  • Make Your Mark.  Permanently mark your valuables to make it easier for the police to return them to you if they are stolen.  Keep a record of marked objects.
  • Park in the Driveway.  Park an additional car in your driveway or ask a neighbor to park there.  It gives the appearance that someone’s always home and prevents burglars from backing a van into the drive for easy loading.
  • Have Your Home Watched while you’re Away.  Ask a neighbor to collect newspapers and mail when you’re away.  If you’ll be gone for an extended period, hire someone to take care of your lawn or even to house sit.

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