June 2013

Found 16 blog entries for June 2013.

Paying off the mortgage on your Santa Cruz Home faster means that you will not only have the satisfaction of owning your own home sooner, you will also have the benefit of paying much less in interest over the years. The faster you pay off your mortgage, the more money you can save, so here are some tips to accelerate your payment.

Pay Bi-Weekly

Did you know that if you take your monthly mortgage payment and divide it into two bi-weekly payments; you will end up making a full extra month of payments every year? You won’t notice the difference, but over the years this will end up saving you thousands in interest.

Put Any Windfall Toward the Mortgage

Was your tax rebate larger than you expected? Have you received an inheritance from your great

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Filing your taxes can be a complicated and confusing process and if you are a Santa Cruz home owner you will have a lot of different home tax deductions and credits to consider. Before you submit your taxes, check carefully to make sure that you are not making any of these common home owner tax mistakes – which could cost you money or get you in trouble with the IRS.

Miscalculating Your Home Office Tax Deduction

If you work from home, you will be able to deduct a percentage of your housing costs for your home office. However, most people don’t know how to calculate this and don’t realise that it also has to be recaptured when you eventually sell your home. You will only want to claim it if it is worth it, so make sure you know exactly what you can

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You’re absolutely sick of looking at the popcorn ceiling of your 1980’s home — it’s time for a change. However, behind the façade of a ceiling is a mess of plumbing, wiring, joists and structural beams, so you have to be careful and creative when updating your home.

Whether you’re dealing with an older home, a tricky duct system or an unfinished basement, below are several ceiling solutions to brighten up the space above your head.
 
Bring back wood paneling.
The 70’s are making a comeback. If you have a flat or slanted ceiling, wood paneling is easy to affix and can create a cozy cabin-like feel. This works well in living rooms, bedrooms and basements where you want generate a warm, comfortable atmosphere. 

Create an industrial vibe.
If you like the

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Making a commitment to go green in your home not only helps the environment, but also your wallet. The federal government and many states are offering tax breaks for upgrades made in 2013. So, take an interest in Mother Nature and advantage of the tax incentives by making your home more energy efficient.

1. Invest in a tankless water heater.
On-demand water heaters heat your shower or washing machine water as needed, so they are not constantly working to keep a large amount of water continually hot. Electric tankless water heaters can sometimes be twice as energy efficient as standard water tank heaters.

2. Install ceiling fans.
Ceiling fans help circulate the air in a room to make it feel cooler. This reduces the need to turn on appliances that

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Flowerbeds can be a very attractive addition to any Santa Cruz home — if you have the time to set up and maintain them. Flowerbeds don’t necessarily require a profusion of costly flowers that need to be fertilized, mulched, covered during severe weather and possibly re-planted on a yearly basis.

So put on your green thumb and brave the outdoors this spring. With the tips below, you’ll keep your flowerbeds filled and your house looking cheery without a huge money or time commitment.

Weed Eradication
Before you even start picking out roses and tulips, take care of the weeds. Gardens get weeds because there are already pesky roots hiding below the surface. Dig up the soil and weeds before you plant. It will save you hours of maintenance in the long run

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Buying Santa Cruz real estate is usually a long-term investment that will affect you for decades. When you are looking to buy a home, it is important to think about not just what you are looking for now, but what will be the most advantageous situation for you in the future.

Of course, it is impossible to predict the future accurately, as times change and unexpected events can occur. However, when you are buying a home, you should do your best to think about what your needs will be and how the area could change over time.

How Will Your Family Grow?

If you are a young couple buying a house together, think ahead to the next few decades and consider who might eventually live with you. You’ll want to make sure the house has enough bedrooms and a safe

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