Categories
Home Insights Home Owning Tips Newsletter Featurettes

Slash Your Summer Energy Bills!

4 Tips to Slash Your Summer Energy Bills!

Heating and cooling can be the most expensive factor of your monthly utility bills, especially in the summer.

Here are some tips that will help cut your summer energy costs while still keeping your home cool.

1. Plug Up The Holes!

First, plug up holes and seal cracks around windows and doors using foam, caulking and extra insulation. Leaks and holes allow cool air to escape, so you’ll have to run your system longer to make your home comfortable.

2. Keep Your Shades or Curtains Closed

Natural light is wonderful, but the heat from the sun will also keep your home from cooling down. Keep your shades closed when you’re not using the room to prevent the sun from neutralizing the air conditioner’s efforts.

3. Change Your Air Filters Ever Month

Next, replace your air filters every month or two for optimal savings on your energy bill. If you have the reusable type, simply clean them by running them under water and air drying before placing them back inside the unit.

Bonus Tip: Consider Purchasing a Programmable Thermostat.

Consider purchasing a programmable thermostat, which is a relatively inexpensive investment. This device works on a schedule, adjusting the temperature according to your preferences, the time of day and the day of the week. By allowing the temperature to increase when you’re away, you can expect to save up to 30 percent on your energy bills annually.

Adding energy efficiency to your home is not only a smart way to start saving right now – it can also be very advantageous for you when it comes time to sell!

Check out our pinfographic on what green home buyers look for: See the Pin on Pinterest!

Categories
Home Buying Tips Home Insights Home Owning Tips Newsletter Featurettes

Minimize Your Mortgage Expenses

Here’s how homebuyers and homeowners alike can take steps to help lower their mortgage costs!

When applying for a mortgage or a refinance, there’s often a fee charged up-front by the lender to begin the process.  Before applying for a loan, be sure to ask about the application fee that will be charged – and don’t hesitate to shop around to compare these fees (important: also ask if the lender will refund this fee if the loan is not approved).  TIP:  Rector Hayden Mortgage does NOT charge an application fee!

It is always a good idea to compare rates and fees from potential lenders when buying or refinancing. Lenders offer different fees and can also offer different rates, depending on a variety of factors. TIP:  Rector Hayden Mortgage offers rates and fees that are often the LOWEST to be found!

When buying or refinancing, your credit score and history will be important to lenders, so keeping track of your financial situation in the months leading up to applying for a loan or refinance is crucial.

Rector Hayden Realtors’ affiliated lender, Rector Hayden Mortgage, provides a vast menu of mortgage programs and products.  Get started today! Click here for more about Rector-Hayden Mortgage. One of the best benefits of working with a Rector Hayden REALTOR® is having access to our in-house Lending Company, Rector Hayden Mortgage!  Aaron Mason, our chief Mortgage Loan Officer, is on hand 5 days a week to answer any questions about the loan process.  Aaron assists our agents and their clients in finding competitive rates and unique loan options that are CUSTOM FIT for your situation.  info piece

Categories
Home Insights Home Owning Tips

Home Safety: Using Fireworks

Gorgeous flames light up the sky in a yearly reminder of our county’s founding story.  While fireworks are loud, exciting, and fun – they can also become dangerous very quickly.  Fireworks are an explosive device, and as such must be respectfully used.

Did you know?  
In Kentucky, state law prohibits you from using fireworks within 200 feet of a structure (that includes your home)!

(Kentucky) State Fire Marshal Mike Haney says the safest way to celebrate is by leaving the pyrotechnics to the professionals. He says home use of fireworks could cause personal or property damage and might also be prohibited by local ordinances. [source] There are plenty of professional shows going on this weekend!  Check out our list of WHERE TO SEE THE FIREWORKS!


 

Lexington Police Department also released a great video on Facebook, reminding Lexingtonians of some of the more strict City Ordinances regarding fireworks.  If you’re a Fayette County resident, we suggest giving this video a watch!

video_lexingtonpolics


Here’s 9 Tips to Stay Safe around Fireworks

Pin this list, just click the graphic! 

 

Happy Indepence Day! Celebrate Safely!-From the Rector Hayden family to yours!

 

 The National Council of Fireworks Safety suggests the following safety tips…

  • Obey all local laws regarding the use of fireworks.
  • Know your fireworks; read the cautionary labels and performance descriptions before igniting.
  • A responsible adult SHOULD supervise all firework activities.  Never give fireworks to children.
  • Alcohol and fireworks do not mix.  Save your alcohol for after the show.
  • Wear safety glasses when shooting fireworks.
  • Light one firework at a time and then quickly move away.
  • Use fireworks OUTDOORS in a clear area; away from buildings and vehicles.
  • Never relight a “dud” firework.  Wait 20 minutes and then soak it in a bucket of water.
  • Always have a bucket of water and charged water hose nearby.
  • Never carry fireworks in your POCKET or shoot them into METAL or GLASS containers.
  • Do not experiment with homemade fireworks.
  • Dispose of spent fireworks by wetting them down and place in a metal trash can away from any building or combustible materials until the next day.
  • FAA regulations PROHIBIT the possession and transportation of fireworks in your checked baggage or carry-on luggage.
  • Report illegal explosives, like M-80s and quarter sticks, to the fire or police department.

National Council on Fireworks Safety Seal

 

Categories
Home Insights Home Owning Tips Home Selling Tips Newsletter Featurettes

What’s Your Home’s Market Value?

The BEST way to pinpoint your home’s market value is to consult with your Rector Hayden Agent.

But whether you’re thinking of selling or just curious, check out what the national public/private databases say is your home’s market value by going to www.RectorHayden.com!

You can look for your home's market value using our estimation tool!  It can search for any residential address in the country!

By simply entering your address in the “Estimate Your Home’s Market Value” box on our homepage, you’ll instantly get a comprehensive report showing the estimated valuations of your home from 3 top providers – Zillow, RPR and Collateral Analytics.

This screenshot of the report shows you that the value of a home can vary and it's beneficial to look at your home's market value from three different sources to get an idea of what it can sell for!

These estimated values are based on large public and private databases like PVA/tax records and MLS listing data, and are simply intended to provide a sample range of what your home may sell for.

It’s interesting to see what these national database aggregators indicate for the value of your home — but again, to accurately pinpoint your home’s TOP DOLLAR value in our current market, you’ll need to consult with a local specialist….your Rector Hayden Agent!

click to begin button

Categories
Home Insights Home Owning Tips

Your May Home Care Checklist!

Your May Home Care Checklist – Courtesy of Houzz.com!

❑  Paint or stain your home’s exterior. Longer days and generally milder weather makes May a good month to schedule house painting. If your home has a wood-shingled exterior, replace any damaged shingles and have a fresh coat of stain applied if needed.  Your Rector Hayden REALTOR may have a great suggestion of a local company or contractor that could do this for you.

❑  Check exterior lighting. Make sure all outdoor lights are in working order, including motion-sensing security lights. Replace bulbs or schedule repairs as needed.

❑  Inspect kitchen and bath fixtures. Keeping an eye on these areas can help prevent costly water damage and repairs later on. Regrout or caulk around counters and tile as needed. If you come across any slow leaks, have these repaired as well.  Taking the time to regrout and caulk as needed helps keep your home looking fresh, clean, and new.

❑  Check safety devices. Test smoke detectors and carbon monoxide detectors; replace batteries as needed. Check the expiration date on your fire extinguisher and replace it if necessary.  This is always important!  Fire extinguishers can be purchased at most home improvement or hardware stores.

❑  Clean scuff marks and touch up paint. Use a product like Magic Eraser to remove scuff marks from walls and baseboards. Touch up paint as needed on interior walls and trim.

❑  Deep clean the laundry room.  Run the washing machine with specialty tub cleaner (or with vinegar for a natural solution) on a hot water cycle. Wipe the rubber rim inside the door of the washer and dryer and remove lint from the dryer vent with a vent brush or vacuum attachment. Clean countertops, mop floors and restock supplies.  Is it just us, or do you feel like you do MORE laundry in the summertime?  Between play clothes, sports gear, swimsuits, and beach towels – it starts to add up!

❑  Refresh bedrooms. Rotate the mattresses on all beds and flip over if possible. Dust nightstands, lamps, headboard, blinds and decor. Swap heavy duvets for lighter weight bedding for the warmer months.

Extra Insight: Take a trip over to The Clay Avenue Shops and Boutiques and visit Linens Limited; “Fine Linens for Bed, Bath & Table, Featuring linens from Italy, Portugal & Madeira.” See More Info: http://www.linenslimited-lexky.com/

❑  Prep picnic supplies. This is the season for alfresco feasts. Be ready for impromptu picnics by sorting through your outdoor dining supplies at the start of the season and keeping a basket of essentials within easy reach. A cheese knife, small cutting board, bottle opener, blanket and set of outdoor dishes and cups should see you through many a picnic.

❑  Clean and prep your grill. Giving your grill a deep cleaning before the start of the season will help it work more efficiently and prevent flare-ups. Clean the grates and interior with a grill brush and wash the exterior with warm, soapy water. Clean and organize your grill tools (tongs, spatula, skewers) and pick up charcoal or propane if needed.

❑  Add a relaxing porch feature. Make your porch an inviting place to relax and hang out with the addition of a porch swing, rocking chairs or a glider. Too much sun? Crisp white outdoor curtains provide shade and look chic. Just add a tall glass of iced tea or lemonade, and you’ll be ready to savor the season in style.

 

Categories
Home Insights Home Owning Tips Newsletter Featurettes

When a Tree Falls from a Storm, Who Pays for the Cleanup?

Recent Bluegrass spring storms have everyone asking…

Who pays for the damages caused by a fallen tree?

Article 4 - 300 small size

It’s important to know that once a tree is down, homeowner’s insurance only comes into effect if there is property that is damaged. So if a tree falls cleanly onto the lawn, then the homeowner will have to pay for 100 percent of the tree removal costs. If a tree hits any property covered by the homeowner’s insurance policy, such as a driveway, fence or the house itself, then the policy will cover all repair and tree removal expenses, less the deductible.

That describes a scenario where a homeowner’s tree falls in his or her own yard – but what happens if the tree was rooted in your yard, but falls into your neighbor’s yard? If property damage is caused, your neighbor will have to file a homeowner’s insurance claim on their own policy.

If no damage is caused, and your tree falls clear into your neighbor’s yard, everything gets a bit stickier. Good manners dictate that you should, at minimum, offer to pay for some (if not all) of the removal expense.

Consider this: if valuable property of yours blew into your neighbor’s yard, you would expect to be able to retrieve it. This should apply to a not-so-valuable fallen tree as well – it’s still your obligation as it was something residing on your property. Besides, the discord that could come from ignoring the problem is likely worse than the expense of removing the offending stump and branches.

Having good neighbors often means being a good neighbor, so roll up your sleeves and extend a neighborly hand!