When it comes to income and investing, understanding how timing affects your taxes is a big deal. Let’s say you take a trip to Las Vegas to celebrate the coming of the new year. You head to the casino and at 11:00 pm on New Year’s Eve you win a $2 million jackpot. You keep … Read more
I’ve talked about home inspections many times, but I don’t usually talk about the impact of timing. If you’re buying a home, it’s important to know which inspections to get and when to do a final investigation of the property’s condition. You’ll want to make sure that all the agreed-upon work has been done to … Read more
During hot Ukiah summers, those of us who can’t live without air conditioning receive eye-popping energy bills. One way to reduce those bills is to stop using so much air conditioning, but who wants to sit around and sweat? A far more comfortable way to reduce costs is to improve your home’s energy efficiency. Energy … Read more
In early 2022, mortgage rates were down around 2.5 percent. Today, they’re closer to 7.5 percent. On a 30-year, fixed-rate loan, this means your monthly payment would be up by 77 percent. Talk about financial whiplash! Even though, historically speaking, interest rates have returned to normal for single family homes (between 6 and 8 percent), … Read more
As summers get hotter and hotter, it takes more energy to keep them cool. Here are some ways to keep costs—and temperatures—down. Shade trees One of the best ways to keep houses cool is to shade them from direct sunlight. Deciduous trees on the west and south sides of your home can reduce the overall … Read more
This is part of my series on home safety, and it continues on last week’s theme of protecting kids. Previously, I talked about indoor hazards. This week, I’ll talk about outdoor hazards and gun safety. Once kids get into the yard, dangers abound: power tools, sharp objects, low-hanging branches leading to tall trees from which … Read more
This is part of my series on home safety, this time focusing on kids. Little kids explore and get into stuff. They put things in their mouths. They climb and leap from heights. It’s what they do. It’s how they learn. As adults, we must do everything we can to thwart their natural tendencies if … Read more
There’s no way to be perfectly safe unless we live in a bubble. However, there are plenty of things we can do to reduce risk. This is the second in a three-part series on making your home safer, inside and out. During this time of year, it seems prudent to review ways to reduce the … Read more
Every day, hospital emergency departments are full of patients who didn’t expect to be there. Life has a way of throwing surprises our way—some good, some bad. Although we cannot avoid all the nasty surprises, we can reduce risk to increase our safety, and our homes are a great place to start. One of the … Read more