Friday, December 14, 2007

AMERICAN ENERGY / By JAMES DULLEY

Q I went to a home store to find a programmable thermostat to save energy. There were many with different specifications. I had no idea what I needed. Which features are important? -- Bob Y.



A Installing a programmable thermostat provides about the best economic return of any energy conservation improvement you can make. When it is programmed properly for your family's schedule, there really is no reduction in your comfort. In fact, sleeping in a cooler bedroom is actually healthy.

Setting the furnace thermostat lower at times during winter and higher during summer results in significant savings on your utility bills. Depending upon your climate, the savings range from one to three percent for each 10-degree setback period of eight hours during winter. The percentage savings when air-conditioning is even higher.

There are many programmable thermostats from which to select. Although more expensive ones may have more features, a relatively simple one will meet the needs of most families. As with most electronic products, prices have dropped dramatically, so don't think an inexpensive one won't be adequate.

The first decision to make is how many setback periods you desire per day. The simplest thermostats allow for just one setback period per day, usually overnight.

If you also want to set the temperature back during the day when everyone is either at work or school, select a thermostat with four setback periods per day. This offers more flexibility for future schedule changes and it is the most commonly installed type.

Next, determine how many different daily setback schedules you need. If each weekday and weekend schedule is the same, you can select an inexpensive 5+2 thermostat. This 5+2 designation means one schedule for five days of the week and another schedule for the two weekend days.

If you need a different schedule on Saturday and Sunday, select a 5+1+1 thermostat. For the option to have different schedules every day of the week, select a seven-day thermostat. For simple programming, they all offer a repeat button to copy one day's schedule to another day. Better thermostats also allow you to program the indoor humidity level and alert you when to change the air filter.

If your television DVD player is still flashing "12:00", select a thermostat with a feature that allows you to snap off the cover and take your time to program it in an easy chair. Another nice feature is a generic preprogrammed setback schedule so you can begin using the thermostat immediately. Once you read the manual, you can modify the schedule.

These companies offer programmable thermostats: Bryant, (800) 428-4326, www.bryant.com; Honeywell, (800) 468-1502, www.hotfreshcool.com, Hunter Fan, (888) 830-1326, www.hunterfan.com; Lux Products, (856) 234-8803, www.luxproducts.com; and Trane, (877) 880-3381, www.trane.com.

PVC pipe for drains only

Q I have been having problems with the plumbing. We now have metal pipes, some in the attic. I would like to switch to all white PVC pipe. Is this safe for drinking water, and what about the cold temperatures? -- Lynn G.



A Standard white PVC pipe is used only for drain pipes. Supply lines must be metal or a different type of plastic, usually CPVC. No piping material can withstand the expansion forces of freezing water. Although PVC drain pipe is easy to install and relatively inexpensive, I would stay with metal and just repair it. The heavier metal pipe deadens the sound of water rushing through it.

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Source : heraldtribune.com

Breaks keep widower's sale taxes to a minimum

Widowed people and other single tax-filers often face huge Internal Revenue Service bills when they sell a longtime home, but careful use of special provisions in the tax code can sometimes let them keep their entire profit for themselves.



Q My wife and I purchased a home together as joint tenants in 1977, and its value has gone up by about $450,000 since then. She passed away on Christmas Day two years ago, and now I would like to sell in January and move into a smaller place. Will I be able to keep all $450,000 of the profit tax-free because my wife and I purchased the home together and filed our taxes jointly until she died, or will I only get to keep $250,000 tax-free because I am a widower now and file my taxes as a single person?



A The IRS allows single tax-filers like you to keep up to $250,000 in profits tax-free when a home is sold, provided that the property has been their primary residence for at least two of the past five years. Married couples who file jointly can keep up to $500,000 from taxation.

The bad news is that IRS rules don't offer much flexibility to the actual $250,000/ $500,000 profit cap, even to people who have recently lost their spouse. You're a single tax-filer now, so you qualify for the lower limit only, despite the fact that you owned your home with your wife and filed taxes together for decades before she passed away.

The good news, though, is that another provision of the tax law suggests that you probably won't have that much taxable profit -- and perhaps won't owe Uncle Sam anything -- even though you expect to net about $450,000 from the sale but only qualify for the $250,000 exemption. That's because when one spouse dies and their half-interest in the home is passed to their survivor, the value of the property is "stepped up" to market levels at the time of the deceased's death for IRS purposes.

In other words, you'll probably owe taxes on only the amount of appreciation that has occurred between the time your late wife died two years ago and the date that you actually sell the home in the next several weeks. It's doubtful that the property has appreciated by more than $250,000 in the past 24 months, especially considering that price gains in most parts of the nation have stalled during the past year or two.

Also remember that sales commissions and related expenses, as well as the cost of most home-remodeling projects that have been completed through the years, also can be used to knock your net sales profit that would be subject to IRS taxes even lower. Once all these tax breaks are taken into consideration, you probably won't owe a single penny in federal taxes on your $450,000 profit, even though you qualify only for the $250,000 exemption that's granted to single filers.

For more information, get a copy of IRS Publication 523, "Selling Your Home," by visiting the agency's Internet site (www.irs.gov) or by calling the agency toll-free at (800) 829-3676.

Because we're talking about a lot of money here, you also should consult a certified public accountant -- as well as a professional financial adviser who can help you make wise decisions about the way you invest your expected $450,000 in upcoming real estate profits.

Setting up a trust

Q I am interested in forming the type of basic living trust that you have written about so my home and other assets that I want to leave to my heirs won't get bogged down in expensive probate court proceedings. But if I form a trust, will I get stuck with a bunch of paperwork to record it with the state government?



A No. A living trust, like a will, generally does not have to be filed with the state while you are alive.

Even better, because a trust is formed by a private document, it does not have to go to probate court and will not be automatically opened for public inspection after you pass away. Most wills, on the other hand, must always go to probate court, and thereby become part of the "public record" that everyone can see.

Although a handful of states have outdated laws that technically require the registration of a newly created trust, none of those states imposes penalties on the estates of those who ignore the registration process.



Our booklet "Straight Talk About Living Trusts" explains how even middle-class homeowners can now reap the same money-saving benefits that creating an inexpensive trust once provided only to those with last names like Rockefeller or Getty. For a copy, send $4 and a self-addressed, stamped envelope to D. Myers/ Trust, P.O. Box 2960, Culver City, CA 90231-2960. Send your questions about real estate to that same address and we'll try to respond in a future column.

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Real Estate Designers offers totally innovative solutions for your software development, Internet programming, real estate web design and hosting needs. Our service includes domain name registration and real estate web design. Real Estate Designers provides the complete solution including design, application development and marketing.





Source : heraldtribune.com

A Green home comes to Englewood

When they began their project from their Napa Valley, Calif., home, Lee and Sandy Perron had Key West architecture in mind for their new Englewood house.

Today, they are getting more house than the expected -- and they're getting it quicker.

The Perrons are working with Sarasota Signature, a multi- discipline custom builder that opened its doors in 2006. Together they are creating a "zero-maintenance" modular house that incorporates green elements, home automation and universal design. Perhaps one of the biggest benefits of modular construction is that the Perrons know what's coming around the corner. They have less minutiae to wade through than with traditional construction methods, so having chosen pre-fab means they'll enjoy fewer time delays

and unexpected charges. Consider it akin to the difference between building a car piecemeal from a parts store and buying a customized car from a dealership.

Modular housing is growing in popularity nationally. Magazines like Dwell are featuring these houses regularly, granting them more credibility and a sense of stylishness. Architects are talking about Web sites, such as FabPrefab.com, that deal with this method of building. And residential building experts are gawking at Rocio Romero's LV Home series of pre-fab kits, which appeal to those with a penchant for the today's modernist-

revival architecture.

Locally, high-end real estate broker/developers, such as Rooks Morris, and "affordable" builders/developers, such as Compass Communities and Sarasota Signature, are becoming involved. The diversity of the companies jumping on the modular bandwagon means the residences can range in price from $160,000 to more than $1 million.

An alternative for tough times

The slow residential real estate market has prompted builders to look at less expensive and alternative options to traditional construction. For instance, pre-fab housing provides more reliable timelines for construction, from permitting to move-in, its proponents say. It has other major benefits over traditionally constructed houses, too: quality control over materials and labor, a parallel project management process that expedites the process, and efficient cost control, manufacturers claim.

That translates to dollar and time savings for the home buyer, as the Perrons can attest. "We were thinking that the house would probably be in the $500,000 to $600,000 range, and that included a lot of nice amenities," said Lee Perron. He and his wife, both in semi-retirement, split their time between the Sarasota area and Napa Valley, Calif., and are therefore that much more satisfied with leaving the permitting and site work in the hands of Sarasota Signature. "You had an infinitely more efficient cost control" using modular construction, he said, so they were able to build in "anywhere from 25 to 30 percent more."

The house, designed with a Key West-inspired architectural style, will be built in Englewood with 2,800 square feet of interior space. The program will contain a theater room, master suite, great room with a dedicated dining room, family room, two full baths, a powder room and a garage. Though they only began getting "serious" with Sarasota Signature in July, foundation work has already started and the house is expected for occupancy in mid-February.

Two years ago, this wouldn't have been the case in the region. At that point, a homeowner typically had to find a general contractor willing to deal with the system-built project, which still left the homeowner with cumbersome hands-on participation. Today, though, companies like Sarasota Signature are usurping and expediting those responsibilities from permitting to contractual oversight with the manufacturer, and from setting up utilities to landscaping and any other element that comprises building.

Whether under the name of pre-fab, modular or system-built, it's all basically the same, said Michael Wnek, senior vice president of sales and marketing for the modular manufacturing company Palm Harbor Homes in Plant City.

"Prefab can be any product from panelized housing to modular. It covers the entire world of a home that's fabricated before it gets to the site. It can go on pieces, separate floors or walls. It can also mean modular or manufactured," said Wnek.

Designing beyond the box

Architects, such as Signature's Bill Tagland, have helped pre-fab companies like Palm Harbor and Nationwide -- Florida's most prevalent modular companies -- evolve past their architectural design limitations of the past. As a result, the houses are definitely not the narrow, long shanties or the clunky boxes of yesterday.

They can be round, square, modernist, Key West or anything else the homeowner can dream up. They also can incorporate a hybrid of conventional construction methods with modular methods.

"Modular homes are routinely stacked to resemble any kind of architecture buyers may want, from New England salt boxes to antebellum mansions," Don Carlson wrote in his book "Automated Builder: A Dictionary/Encyclopedia of Industrialized Housing."

"All modular manufacturers have an array of standard plans that are traditional in function and style," wrote Andrew Gianino in "The Modular Home." "Many manufacturers supplement their standard offerings with more modern designs that could pass for a contemporary architect's creation. Many of them, in fact, have been created by architects."

Several local architects interviewed said modular housing leaves little room for creativity, but the Perrons see it differently.

"We really wanted a metal roof. Roofs that are manufactured for modular homes are hinged, and doing that with a metal roof was going to be difficult. So the challenge was ... we had to ship one extra box to be able to have a part of the roof section manufactured and shipped separately," said Perron. With Tagland's quick thinking and collaboration with Nationwide, the roof was then assembled and constructed on their site.

Tagland also proved helpful regarding interior architecture, using a universal design so the house can change as the owners do.

"We want the home to be accessible even as we age, so we can live self-sufficiently and independently as long as possible," said Perron.

Some universal design elements that will help the Perrons to do so include an elevator and curb-less showers. Elevators are especially useful in the later years. As people become infirm and can't easily scale grand staircases, they can still access all areas of their house and therefore don't have to down-size or move into a ranch. Curb-less showers are useful in houses with children still wobbly on their feet, wheel-chair bound owners, and elderly residents with less mobility. The shower entrance has a slow, ramp-like descent.

Another benefit of modular housing is that its architecture is easy to expand as the family's needs change.

These houses can last for a couple's entire life instead of serving as a "mere" starter house, a move-up house, a vacation house or a downsize. The idea is similar to that behind the Katrina Cottages: For those modestly sized structures created for the rebuilding of the Hurricane Katrina-ravaged Gulf region, the plan was to build a small house and add to it as the family's needs changed.

"Say somebody comes to us with a piece of property," said Tagland, "and maybe they can't afford to build that big of a house. What we can do is put a master plan together, and say, 'OK, that's phase one, all the way through phase four.' Do the drawings, get it permitted, then they go and just sock it away." The couple will build the first phase in accordance with their budget and current needs. "Then when baby number one comes or dog number two or whatever and they need another room, they just keep adding to it."

Naturally eco-friendly

Building in many green elements was also of concern to the Perrons. Modular is intrinsically more eco-friendly than traditional construction because the materials are easily recycled in the factory to be used for the next house; materials are kept safe from harsh sun and inclement weather because the houses are built indoors; and because the houses are built more like a kit, with less waste because of the repeated placement and systematic use of materials.

The Perrons, though, wanted more green elements. They are incorporating bamboo and tile flooring, a radiant barrier to mitigate summer heat gain and subsequently minimize energy usage, and fiber-cement siding that looks like wood but has more weather resistance and contains some recycled material. They are also using Tim-bor wood, a treated wood that's naturally resistant to insects and mold.

"It takes insects and fungi (mold) out of the equation and stops you from having to inject toxic fumes into your house," Perron said.

Their house will be well insulated with a high R value in the walls and a low-e factor in the Energy Star windows. It's estimated the Perrons' utility bills will run 15 percent less than those of a traditionally constructed house.

The house will be "smart," too. The Perrons will be able to control lighting and thermostats, audio and security around the house via one-touch wall-mounted keypads. When away from the house, they can use a laptop to "see" what's going on in the house. They can also change the temperature, turn on lights and set other elements to create their desired ambience upon their return.
Source : heraldtribune.com

When selling a home, target specific areas for renovation

Appropriate makeovers based on the vintage of your home could yield a faster sale at a better price. Such targeted improvements also save you money when compared to full-monty, state-of-the-art renovations throughout the home.

To uncover the top age-appropriate home improvements and repairs, Bankrate asked four real estate experts to share their suggestions for houses by era: pre-1960s, 1960s, 1970s, 1980s and 1990s.

Pre-1960s homes -- Add power, check pipes and remove carpeting.

Vintage homes have many charms, but the ability to power modern appliances is not one of them. According to Sid Davis, a Salt Lake City real estate broker and author of "Home Makeovers That Sell," homes built before the advent of hair dryers, computers and monster TVs typically had between 60-amp and 90-amp electrical service. Today's homes typically have 200-amp service.

If you have an older home, upgrade to a minimum of 100 amps. Check the wiring, as older homes may have aluminum wiring that no longer meets code.

Plumbing is your second priority. If you're lucky, you have copper pipes; if not, you likely have galvanized pipes, which corrode over time.

Are you ready for some good news? Homes built before the 1960s often have a hidden advantage sitting right under that funky old carpeting: hardwood floors.

"Hardwood floors are a hot commodity today," says Pat Combs, president of the National Association of Realtors. "In an estate property, where the original owner put carpeting over finished floors, often those floors are in pristine condition."

1960s homes -- Replace windows, update cabinets and evict termites.

Single-pane windows are as dated as love beads, Davis says.

"If you've got the old, single-paned aluminum slider windows, absolutely upgrade those," he says.

You can do wonders with a '60s kitchen by replacing dated cabinet hardware with stainless steel or nickel knobs, pulls and hinges. If the cabinets are solid wood, Davis suggests these steps before replacing them: clean, sand, stain or paint, and re-veneer. If that won't help, try replacing the doors, before getting all new cabinets.

Termites, if present, will have had sufficient time to cause significant damage to '60s homes in Southern states, says Wendy Patton, co-author of "Making Hard Cash in a Soft Real Estate Market." Her advice: Inspect immediately and treat annually.

1970s homes -- Update kitchens and baths, and lose the wild colors.

Homes from the '70s really show their age, inside and outside. This was the era when outlandish colors found their way onto everything from counter tops to toilets.

You can lose the time warp quickly and easily with a fresh coat of paint. Modern epoxies can give new life to those puce or avocado bathtubs, showers and kitchen appliances.

Dated exteriors can be similarly transformed on the cheap, Patton says.

1980s homes -- Upgrade counter tops, ditch wallpaper and clean up.

Laminate counter tops gave way to hard surfaces in many homes of this era, creating a bit of a kitchen arms race for sellers.

"If you want to replace your kitchen counters, look around your neighborhood," Davis says. "If everyone has granite, then you're going to have granite, too. If everyone has Corian, then you're going to go that way, too."

Wallpaper is another '80s trend that may date your home.

"Wallpaper was really big, but it's not now," Combs says. "My advice is to pull it all off."

Rick LeForce, a real estate broker with 1st USA Realty in Scottsdale, Ariz., says '80s homes can benefit greatly from the real estate version of the detailing done to your car: sand and repaint flaking paint, replace dingy switch plates, upgrade worn doorknobs and trim molding.

1990s homes -- Upgrade appliances and clean or replace carpeting.

Intuitively, you would expect that a '90s home would require fewer upgrades than something from the '80s. But depending on its age, a '90s home may require more work for one reason: home appliances wear out most frequently when they are between 10 and 15 years old. Davis suggests replacing them sooner rather than later.

Don't hurry into a new roof, however. If your roof is more than 10 years old, have it inspected, and, if it makes the grade, include the inspection report in your buyer's packet. If your roof needs replacing, Davis suggests saving money by choosing a 20-year instead of a 30-year roof material.

A clean carpet always says "welcome home" to prospective buyers. For added impact, have yours cleaned, then cover the traffic areas with a plastic sheeting that is sticky on one side. This is available at home improvement stores.

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Source : heraldtribune.com

Homeowner puzzled by noisy 'water hammers'

Q I am stumped by a plumbing problem. I have relatively new copper plumbing (2002) that replaced the previous galvanized iron pipes (from about 1920, I'd guess). In addition to having reduced flow and minor leaks, the old iron pipes had developed loud water hammers when the spigots were shut off. The new copper pipes have hammer arresters (the plumber called them "air stops") on all the shut-off valves to my tubs, sinks and water-using appliances.

The copper pipes have been flawless until recently. Little by little, the tub spigot in the second-floor bath started making noise, and now it is about as loud as the old water hammers when you turn the water off. The air stops and the plumbing are visible next to the free- standing tub, and there are no leaks or corrosion. Do you know why this is happening now or what I can do about it? I'll call the plumber if it's complicated; I am handy in some ways, plumbing is not one of them. -- Kenny, Wausau, Wis.



A If one has plumbing with properly installed air stops, one is not supposed to be having water hammers because the air in the air stops is supposed to act as a cushion to the water pressure and keep it from slamming into the spigot when it's turned off. The water hammers Mr. HP had encountered were in plumbing that lacked air stops/hammer arresters at the site of the banging spigot, and the solution was to install them.

Two years ago, a friend called him because she had developed a water hammer in an upstairs bath, like you, and she, too, had fairly new copper plumbing with air stops at every water connection.

After a bit of head scratching, Mr. HP decided that because air was obviously not cushioning the water hammer, perhaps the air had somehow gotten out of the air stop, and draining the system might allow new air to be pulled in. This was exactly right. He has since learned that this is more common than he'd imagined. For some reason, which he does not fully understand because he is not a physicist or an engineer (or a plumber, for that matter), air sometimes gets displaced by water in the hammer arresters, and -- to use a highly technical phrase -- they stop arresting hammers, thereby allowing formerly law-abiding water hammers to run wild in your pipes.

Fortunately, the solution is quite simple. First, turn off the main water valve to the house. Turn off water at the shut-off valve for any toilets and the washing machine and dishwasher. Then trundle upstairs and open the hot and cold sink and tub spigots in the second floor bathroom (or the highest point with operating faucets). Head down to the lowest point in your system, which could be a garden hose spigot or basement wash tubs, and open the hot and cold water taps until the system is drained and no more water comes out.

Then close all the open taps, turn the main water back on, turn the water back on to toilets and appliances, go all over the house flushing every toilet, and turn on every hot and cold water faucet (not all at once -- one set of spigots at a time). This will result in a lot of noisy gurgling and spitting from taps as the water pushes air out of the pipes, and may even dredge up some off-colored sludge if you have water with mineral content. Let each of the taps run until the water is clear and there's no more spitting.

Then turn the problem spigot on and off. It should be quiet again. If it's better, but still making noise, repeat the whole process.

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Source : heraldtribune.com