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If you’re a homeowner in a snowy climate, chances are good that you dread shoveling snow in the winter.  B arring a move to a snow-free state or barricading your family inside all winter, there’s no way to avoid the endless task of shoveling snow.  There are, however, ways to make the process much easier. Here are four simple hacks to make the morning after a snowfall much less stressful. #1 Spray Your Shovel with Cooking Oil Snow sticking to your shovel makes an already arduous task even more obnoxious. Avoid it with this hack: Lightly coat your shovel with nonstick cooking oil to make the snow slide right off. No more time wasted removing snow from your snow remover. (You can substitute a spray lubricant like WD-40, but the downside is it’s toxic.) #2 Lay Out a Tarp Before the Snow If you like shortcuts, this technique has your name on it!  The day before an expected snowfall, lay a tarp on your walkway. When the snow finishes falling, just pull out the tarp, and voilà: an instantly

In light of COVID-19 crisis, the IRS has extended the income tax payment and filing deadline for individual  and business returns from April 15, 2021, until May 17, 2021. This relief does  not  apply to estimated tax payments for tax year 2021 that are due on April 15, 2021. You don’t need to file additional forms to qualify for this extension. Now that you’re a homeowner, your taxes may have gotten more complicated.  And you may be asking yourself, “Do I need an accountant?” And if you do, should you hire a certified public accountant (CPA)? And what’s the difference between a CPA and an accountant? Plus, you may be one of many people who worked from home last year because of COVID-19 and wonder if you can deduct some of your home office-related expenses. Or you may have moved out of state or tapped into your 401(k) for supplemental income. Here is some information to help you: The Differences Between Tax Experts and Other Options First you need to know there are different types of t

With the holidays  coming at you fast and furious, you want to be sure your home is cozy, but with that  fresh-as-spring feel  — as opposed to that musty-damp-winter feel. Here's how to make that happen (along with a few other timely tips): #1 Wash Bed Pillows You love your trusty, old, perfectly-snugged-to-your-head pillow. But guess what's also snug against your head?  Fungus — 4 to 16 species to be precise. Yuck! W ith fall being the height of guest season, you'll want your pillows fresh, too.  Toss them in the washing machine and dryer for an all-over clean feeling. (But check manufacturer advice, too. Some pillows shouldn't be washed, but replaced instead. #2 Clean the Mattress, Too Sleeping soundly gets even better when you know you're lying on a clean and fresh mattress. The yuck factor: Skin cells and sweat get into the mattress, then dust mites show up for a dinner party featuring those tasty skin cell morsels. You'll want your mattress to be at it'

As the temperature in many areas of the country starts to cool down, you might think that the housing market will do the same. This couldn’t be further from the truth! Here are 4 reasons you should consider buying your dream home this winter instead of waiting for spring! 1. Prices Will Continue to Rise CoreLogic’s   latest   Home Price Index   reports that home prices have appreciated by 6.3% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.2% over the next year. The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense. 2. Mortgage Interest Rates are Projected to Increase Your monthly housing cost is as much related to the price you pay for your home as it is to the mortgage interest rate you secure. Freddie Mac’s Primary Mortgage Market   Survey   shows that interest rates for a 30-year mortgage are currently at 4.08%. The   Mortgage Bankers Associa

Courtesy of: Dona DeZube   (Published: January 10, 2013)   From the mortgage interest deduction to energy tax credits, here are the tax tips you need to get a jump on your returns. Mortgage interest deduction Private mortgage insurance deduction Prepaid interest deduction Energy tax credits Vacation or second home tax deductions Home buyer tax credit repayment Property tax deduction Mortgage interest deduction One of the neatest deductions itemizing home owners can take advantage of is the mortgage interest deduction, which you claim on Schedule A. To get the mortgage interest deduction, your mortgage must be secured by your home — and your home can even be a house trailer or boat, as long as you can sleep in it, cook in it, and it has a toilet. Interest you pay on a mortgage of up to $1 million — or $500,000 if you’re married filing separately — is deductible when you use the loan to buy, build, or improve your home. If you take on another mortgage (including

SHOP AROUND Friends, family, the phone book and Internet are some of the sources you can use to find homeowners insurers. Get a wide range of prices from several companies. But don't consider price alone. The insurer you select should offer both a fair price and excellent service. Quality service may cost a bit more, but you buy insurance in case you need to make a claim, so it's important to get a company with a good reputation. Talk to a number of insurers to get a feeling for the type of service they give. Ask them what they would do to lower your costs. Check the financial ratings of the companies with AM Best or Standard and Poor's. RAISE YOUR DEDUCTIBLE Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay. Deductibles on homeowners policies typically start at $250. Increase your deductible to $ 500 -- save up to 12 percent $1,000 -- save up to 24 percent $2,500 -- save up to 30 percent $5,000 -- save up to 37 pe

Portable storage units for moving and storage have increased in availability and popularity in recent years. Portable storage units are a great alternative to traditional self storage and are perfect for a home remodeling project. Consider a portable storage unit the next time you need to do any of the following: Getting Rid of Clutter - Whether selling your home or hosting family for extended visits - a storage unit lets you temporarily store non-essential stuff and declutter your living space. Consolidating - Use a storage unit to store extra furniture or boxes when downsizing a home or office. Take your time in deciding what to do with your extra stuff. Moving - Take your time packing and unpacking, without the hassle of a moving van. After you load the storage unit, 1-800-PACK-RAT moves it to your new home or office. Renovations - Protect your belongings during repairs or upgrades. A storage unit helps you keep your furniture, electronics and other valuables safe and out of the

With all of this HOT weather, I think it is safe to say that summer is officially here! Along with summer comes weeds, bugs and more time needed to tend to your lawn. Here are some ways you can make the most of the season with these summer lawn care tips: 1. Water conservation and proper watering is important at any time of year , but particularly when heat and a lack of rain lead to water deficits and drought. 2. Evaluate your lawn regularly for signs of irregular color and texture. These can be signs of damage that may result from pests or disease. 3. Proper year-round lawn care keeps a lawn healthy and prevents weeds, disease and pests. But sometimes, insects you may not notice can travel from the yard to your home. To stop them, hire pest control to keep the bugs on the outside. You can also reduce their outside presence by treating the lawn for insects such as fleas and ticks and fire ants. 4. While lawns are generally the focal point of most yards , don't forget about trees

Replacing a home’s windows, appliances, or roofing can be pricey. So knowing approximately how long before the refrigerator is likely to stop working or the roof might spring a leak can have value to buyers and home owners. If you are thinking about buying a home, you may want to factor in replacement costs for aging components when you make an offer. If you already own a home, this information can be helpful when trying to decide whether to replace a component before a move. A recent study by the National Association of Home Builders provides some insight that can help you estimate the average useful life of more than 100 household appliances and building materials. Of course, the actual longevity of any household material depends on maintenance, use, quality of installation, and climate conditions. So, these averages are only a general guide. 100 Years or More Brick siding: Lifetime of the home All wooden floors: Lifetime of the home Cellulose insulation material: 100-plus years 50-1

As you begin to prepare for "tax time" don't forget about the energy efficient tax credits that may be available to you. If you purchase an energy-efficient product or renewable energy system for your home, you may be eligible for a federal tax credit. Most products are eligible for tax credits at 30% of the cost, up to a total credit of $1,500 and must be "placed in service" between January 1, 2009 and December 31, 2010. Tax credits are also available for some vehicle purchases. Click here for an overview of the federal tax credits for energy efficiency. To Claim Your Tax Credit: Claim improvements made in 2009 on your 2009 taxes, filed by April 15, 2010. Use the 2009 version of IRS Tax Form 5695 Save your receipts and the Manufacturer Certification Statement for your records. See the ENERGY STAR FAQ for more information on tax credit amounts.

Things can get crazy around the holidays. All the shopping, decking the halls and visions of sugar plums can cause homeowners to lose focus and overlook issues that can turn a season of joy into a season of “oops.” It doesn’t have to be that way. Here is a Top 10 list to remind busy homeowners that just a few minutes a day can keep the ghost of deferred maintenance away: Clean your gutters and downspouts. They play an important role in diverting water away from foundation walls. That means less damage related to water and moisture. If you clean them before winter weather moves in, you can keep your basement and crawl spaces dry and leak-free. Drain exterior water lines. Frozen pipes that can crack the lines are history if you remove, drain and store outdoor hoses now. Give your garbage disposal a hot water bath. Cooking for crowds puts additional stress on these appliances. Flushing the garbage disposal with one pot of hot water and a half-cup of baking soda now – and again after the h

Carbon monoxide, or CO, is a dangerous gas that you cannot see, smell or taste. Carbon monoxide can be deadly. By knowing more about CO, you can protect yourself and your family from CO poisoning. Sources of Carbon Monoxide CO can come from anything that burns fuels, especially if it is not used or vented in the right way. Examples include: • Furnaces • Gas-powered home appliances • Wood stoves • Gas-powered tools • Kerosene heaters • Gas and charcoal grills • Generators • Cars and trucks Symptoms of carbon monoxide poisoning CO poisoning can feel like the flu without a fever, but in a very short amount of time it can become very serious. CO Can Cause: • Headache • Nausea • Dizziness • Vomiting • Fatigue • Passing out • Shortness of breath • Death! How to Prevent CO Poisoning • Place CO alarms close to all sleeping areas in your home, and change the batteries each time you change your clock for daylight savings time. Never ignore a carbon monoxide alarm. • Have appliances, furnaces and

This is important if you know someone who: 1. Plans to acquire or sell a rental property 2. Currently has an investment property 3. Is the tenant in a rental property Effective November 1, 2009, single family and multifamily properties are required to have working smoke detectors and carbon monoxide detectors. This includes single family homes that are occupied under the terms of a rental agreement or month-to-month tenancy. All transfers of property after October 31, 2009, must be certified to the buyer at closing by the seller that the property provides smoke detectors and carbon monoxide detectors in accordance with the law. Click here for more information regarding this new law.

Save Energy and Money with the Appliance Rebate Program! Are your old appliances costing you a fortune? There is no better time to replace them thanks to the Efficiency Maine Appliance Rebate Program going on right now. Replace an old air conditioner, dehumidifier, clothes washer or refrigerator/freezer with selected Energy Star appliances and you could receive rebates of up to $75.00 today, plus you will save even more with lower electric bills in the future. Click here for more details .

KILL-A-WATT® ELECTRICITY MONITORS Detect the "energy thieves" in your home with the new Kill A Watt® Energy Detector. This electricity usage monitor and educational tool kit is available for free checkout from your local library. The monitor will help you detect the "energy thieves" in your home and the tool kit will help you put the lid on power consumption by appliances and electronics in your home or business. The Kill A Watt® and tool kit is on loan in most Maine public libraries as part of a state-wide community outreach campaign by Efficiency Maine, a program of the Maine Public Utilities Commission. Mainers can check out the Kill A Watt® monitors, just as they would check out a book, from their local library at no charge. These monitors simply plug into electrical outlets and then allow a consumer to plug in any appliance to get readout on how much electricity the appliance uses and then calculate how much money it's costing. The educational tool kits i

Want to save money on your energy bills? Here are some energy-saving tips for you! Heating & Insulation — By turning down your thermostat by 1 degree F, you can save 25-30 gallons of heating oil per year. That’s up to 3% of an average home's yearly consumption, or between $105-$128 per year at the current average rate of heating oil ($4.26/gallon). More Heating & Insulation Tips... Cooling — Save up to 3% on your cooling costs for every degree you raise your thermostat in the summer. For example, raising it from 73 to 78 degrees can save up to 15% in cooling costs. More Cooling Tips… Appliances — Wrap your water heater with a water heater blanket, especially if it's in an unheated area of your home. The blanket could save you up to 10% on water heating costs. More Appliance Tips… Lighting — CFLs can give the same amount and quality of light as incandescent bulbs, yet use one-third the amount of energy and last ten times longer. A CFL can save over $30 in electricity c

Many homes or buildings built before 1980 may still contain asbestos or old corrosive building materials. This should not make you overly concerned, because asbestos exposure is easily avoidable by taking simple precautions. Many green, Eco-friendly alternatives are available which not only provide a safe and health method of insulation, they can even help in reducing annual energy costs. Tips and Prevention: If any asbestos is located in the home, most experts suggest to just leave it alone and undisturbed. Asbestos that is not deteriorated and left alone will almost always not pose any risks. The best action may be no action at all. When its fibers are disturbed and become airborne, it can be a cause for concern. Home professional consultants can provide an evaluation of the home. It is not always an easy process to determine whether or not a particular insulation contains asbestos. Anyone who is unsure about the insulation in their home should have the materials in question tested.