Kinlin Grover BK Real Estate



Posted by Kinlin Grover BK Real Estate on 1/2/2017

If you're at a loss to explain why your money seems to disappear so quickly, every month, your utility bills may be partly to blame. The solution to lowering your energy-related expenses involves a combination of high-tech approaches and old-fashioned methods. On the high-tech side, it pays to program your thermostat so that you're automatically adjusting your energy usage when your family is sleeping, at work, or at school. There's no need to make the house perfectly comfortable when no one's at home! If the idea of programming electronic devices causes you to break out in a cold sweat, then maybe you can ask your HVAC technician to set it up for you the next time he stops by for a service call or furnace tuneup. (Hey, you never know unless you ask!) Another way to save money on your energy bill is to use your clothes dryer less. This strategy is simple, but effective. Buy an old-fashioned clothes line, hang it up securely in your back yard, and use it to air-dry some of your laundry. I'm not saying it should replace your clothes dryer -- especially in the cold winter months. However, it can be an effective, low-tech method to reduce the energy demands you place on your dryer. There's also the option of drying some of your clothes on a drying rack. Fixing Leaks, Lighting, and Insulation Two common plumbing problems that many homeowners endure are toilets that run 24/7 and faucets that leak. While it may not seem that these relatively minor issues are going to impact your water bill, those leaks can and do add up over an extended period of time. Not only that, but the continual sound of your toilet tank running and your faucet dripping can be quite annoying! If you have the phone number of a reasonably priced plumber who can fix those problems, it'll pay to have him stop over. From an electricity standpoint, you can save money by replacing your incandescent light bulbs with Energy Star certified bulbs. According to the U.S. Environmental Protection Agency, these energy-efficient bulbs use 70-90% less energy than standard bulbs, they last 10 to 25 times longer, and produce substantially less heat. The fact that they generate up to 90% less heat makes them safer and more energy efficient, too -- particularly during the summer. As a side note, you can also save energy during the holidays by using Energy Star certified decorative light strings! Yet another way to make sure your home is energy efficient and cost effective is to check the insulation in the attic and other areas. If you're considering purchasing a home that is inadequately insulated, you could consider asking the seller to correct that problem, as a condition of the sale. An alternative approach would be to use that deficiency (and/or others) as a negotiating chip to get the price lowered. Whether you're buying or selling a house, an experienced real estate agent can help you negotiate mutually agreeable terms and successfully guide you through the twists and turns of real estate transactions!





Posted by Kinlin Grover BK Real Estate on 9/26/2016

Between 30 and 70 percent of the water used by homeowners is used outdoors. Water usage in the summer time skyrockets as the heat rises and the grass starts growing. People are watering their gardens, their lawns, and themselves as a means to fight back against the heat of the season. Water usage, however, is becoming an increasingly serious issue as global temperature rises.†In recent years, droughts have affected much of the continental United States, from California to the Carolinas. Most of us have become familiar with the concept of local water bans; limits on water usage for things like watering the lawn, washing cars, etc. However one good practice to get into is conserving water usage even when your area isn't in a time of drought. Follow these tips to start conserving water. They'll help you save money and help you do your small part for the environment as well.

Tips for conserving water outdoors

Since water usage peaks during the summer when we spend more time outdoors, we'll begin with tips for saving water in the backyard.
  • Sprinkler systems.†Homes with sprinkler systems use significantly more water than those without. Sprinkler systems often water the grass when it doesn't need it or it overwaters. Properly setting up your sprinkler system will keep your water bill down.
  • Watering the grass.†Before you water the grass, determine if it needs water. Will it rain soon? Step on the grass and see if it springs back. If it does, you might want to hold off.
  • Keep the grass long.†The roots grow deeper when the grass grows longer. Deeper roots mean the grass taps into groundwater deeper into the earth, so you won't need to water as much.

Indoor water conservation

  • Replace old faucets and shower heads.†Upgrading to more efficient faucets and shower heads will significantly cut down on water usage. If you're concerned about water pressure in the shower, go with a shower head designed for such a purpose.
  • Use a shower bucket.†When you're heating up water for your shower, catch it in a bucket and use it to water your indoor and outdoor plants. Or, take the opportunity to wash your tub with this water.
  • Only run the dishwasher when it's full.†Many people don't want to wait to wash the dishes, but doing so will conserve a lot of water in the long run.
  • Turn off the faucet while brushing teeth and washing hands.†These are habits that might take some time to break, but they're well worth the effort. Keeping the water running while washing your hands and brushing your teeth uses exponentially more water than is needed.
  • Go to the car wash.†Instead of washing your car at home where the water you use runs off into the ground, head to a car wash that utilizes recycled water to wash cars.
  • Wash dishes by hand efficiently.†If you don't own a dishwasher or only have a few dishes that need to be washed, do so efficiently. Don't keep the water running while you're scrubbing the dishes, or fill the sink with a couple inches of water and use this for washing all the dishes you have.





Posted by Kinlin Grover BK Real Estate on 9/12/2016

Stopping by local garage sales in search of bargains and treasures is a lot like panning for gold. Some days you'll be sifting through a lot of rubble before you discover the hidden gems. Other days, you'll hit the mother lode, right away! Whether you're looking for cheap books, antique furniture, unique jewelry, retro clothing, statues, gardening tools, or gently used toys, you can expect to stumble upon some very interesting and worthwhile items -- usually at extremely low prices. Keys to Bargain Hunting Success Many people who attend garage sales on a regular basis seem to have developed a system to ferret out what they're looking for, spot bargains, and negotiate the lowest possible prices. They often don't even get out of their cars if the items displayed fail to catch their interest. Yard sales attract a wide variety of people, but the ones who find the best stuff at the lowest prices know the value of persistence, getting an early start, and advance planning. Many are quite adept at surfing the Web, clippings ads, and using social media to find promising yard sales to check out. The Seasoned Garage Sale Hunter In addition to a natural curiosity about the unexpected treasures they might find in their travels, they recognize the following underlying truths about garage sales.

  • There are two main reasons that people hold garage sales: to make extra money and to get rid of things they no longer need or want. In most cases, they're highly motivated to make sales and do not expect to rake in boatloads of money. If they happen to be in the process of selling their house and getting ready to move, they should be especially motivated to clear out all their garage sale inventory. The last thing they want to see is an interested customer with a wad of cash in their hands walk away because the price wasn't right. If you make a reasonable offer, chances are they'll either accept it or make a counteroffer. By cultivating some basic negotiating skills and learning to have fun with it, you can pick up some amazing deals in your neighborhood.
  • At first, going to garage sales may seem like a hit-or-miss proposition. However, persistence pays off. Good timing, a little bit of luck, and being in the right place at the right time will eventually work in your favor. It's sort of a "numbers game," so if you plan to visit a few different yard sales in one morning, you're bound to find all kinds of worthwhile treasures and bargains.
  • If you know what you're looking for and have a pretty good idea of what its worth, you'll be in a good position to make reasonable offers and walk away with exceptional deals.
Whether you're looking for a used guitar, an inexpensive desk for a college student, or some hard-to-find first-edition books, you never know what you're going to discover when you dedicate a Saturday or Sunday morning to some serious garage sale shopping!





Posted by Kinlin Grover BK Real Estate on 4/18/2016

Going to college can be a very expensive endeavor as a result of the financial requirements and obligations. †It requires a lot of financing from textbooks, to housing accommodations, transportation and other miscellaneous expenses. †This does not even include the cost of tuition. There are several ways of handling these costs effectively without going broke. Here are a few suggestions to assist in your financial planning. 529 College Plans This is a form of investment that allows parents to set aside some money towards their kidís education, allowing it to appreciate in value tax free. †This implies that when you withdraw from your savings, as long as the funds are used for the purpose of your childís education, you will not be taxed. Irrespective of your income, and other family members can contribute to a 529 account. Coverdell Education Saving Accounts (ESA) This account functions like an IRA. But in this case, it is for education and not retirement. With this form of savings, you can make contributions up to $2000 with post tax dollars and allow the money to grow tax free. When you withdraw, you are not taxed on the money or interest as long as it is used for the purpose of education. IRA and Roth IRA Accounts Basically, these accounts are investment accounts used to save money for college or retirement with no significant taxes. They come as deductible and non deductible accounts. In order to qualify for this type of accounts, your income as well as an existing retirement plan is taken into consideration. With a deductible IRA, tax is deducted from your annual contributions. When you make withdrawals, you will be taxed based on your contributions and earnings. Roth IRA, contributions are not tax deductible and your earnings are also tax free if your withdraws after a five year period are used for an appropriate expenses like college tuition.




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Posted by Kinlin Grover BK Real Estate on 1/25/2016

Who wouldn't like to pay off the mortgage early? Getting rid of mortgage debt will allow you the security and the psychological benefit of owning your home free and clear. There are lots of ways to accomplish these goals. Here are some suggestions on ways to get rid of your mortgage debt. Compare the options and do what works best for you. 1. Add more money to your monthly payment. This will help pay down the principal balance shortening the length of your loan. When you pay more on your principal is gets lower, and the lower your principal gets, the more every payment from then on is applied to principal, as less goes to cover interest expense. 2. Refinance. Refinance your mortgage to 10, 15 or 20 years. Your payments will be higher on a 15-year loan, but often the rate is lower and the loan is paid off much quicker. If you are afraid to take out a 15- year loan take out a 30-year loan, but make payments as if you had a 15-year loan. 3. Make biweekly payments. Most banks have a biweekly payment plan. Since there are 52 weeks in the year if you pay half your regular mortgage payment every other week, you'll have made 26 half-payments, or 13 payments. There are options when it comes to owning your home free and clear. Just decide which one works for you and be on your way to being mortgage free.







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