Tag Archives: Armonk Homes

Armonk NY Homes

Remodeling? Avoid These Costly Mistakes | Armonk NY Homes

While many Americans are ready to take on remodeling/renovation projects this spring, doing it the wrong way can be costly. Some errors to avoid:

Not knowing exactly what you want

If you don’t know exactly what you want or specify what you want, you’re going to get what the contractor thinks you want. And it could end up costing you dearly! For home remodeling design ideas, inspiration and a whole lot more (including cost estimates), check out Zillow Digs (free on the iPad or the Web). You can search by style, cost or room. And what’s really cool is that you can search by specific elements within a room, such as quartz or granite countertops, for example. Share your boards with your contractor so that you’re clear on your objectives.

Hiring the first contractor who comes along

Sure, he may seem nice, and he may seem competent, but have you checked him out? What do your friends say about him? Have you contacted his references? Seen his work? Are there any complaints lodged against him? (P.S.: The Better Business Bureau just released its top 10 list of inquiries from consumers, and half relate to home improvement.) What do subcontractors and suppliers have to say about their dealings with him? Is he licensed and insured? As excited as you may be about taking on this new project, you need to do a fair amount of due diligence.

Jumping at the lowest bid

Get at least three bids, and throw out the lowest one so as to avoid the inevitable consequence: cheap materials, shoddy installation, etc. Don’t invite trouble in! Rather, hire someone who not only comes in within target, price-wise, but is someone you feel personally comfortable with.

Not insisting on a written contract

Every detail about your project should be included in a contract, from the start date to the approximate completion date, right down to the brand of fixtures to the number of coats of paint. Be as specific as possible! Also important: setting a time limit for fixing defects so that if a dispute arises, it’s not endless.

Not setting a payment schedule

How you pay a contractor is almost as important as how much. Spell out the payment schedule in the contract, beginning with the amount to be paid upfront (which should be no more than 30 percent).  Periodic payments after the work starts should correspond to completed segments of the project. And the best way to ensure that work gets done when and how you want it? Leave a significant sum (at least 10 percent) to be paid only when the job is completed to your satisfaction.

3 Tips for Insuring Your First Home | Armonk Real Estate

Buying your first home can be both an exciting and a scary experience. Many homeowners are appreciative of any bit of information that would help make the process less stressful and as painless as possible. Home insurance is usually a major contributor to the anxieties new homeowners’ experience. They are often confused about how much insurance they need. This post will give easy tips for choosing the best insurance for new home buyers.

Your House Should Be Fully Covered

The coverage on the insurance policy should reflect an amount that can adequately take care of the cost of rebuilding and refurbishing your entire house in the event that you lose it completely. Insurance companies may use a cost estimator to ascertain the cost replacement estimate, but you can have a home builder assess your home and furnish you with an estimate of the rebuilding cost. This should include the unique and/or expensive details of your home (if there are any). You do not want to end up being underinsured. Once you have the estimate for rebuilding, you will need to figure out which coverage to take. The choices are:

  • Guaranteed Replacement Cost Coverage – The insurer bears the cost for the rebuilding your home in spite of that cost. Very few insurers are offering these policies now.
  • Extended Replacement Coverage – This coverage involves the capping of the payout you would receive to approximately 125% of the insured value of your home.
  • Inflation Guarantee (or Guard) – This is a feature that ensures the insured value of your home stays on par with that of the marketplace.

Strive to get a reliable appraisal and extended replacement coverage along with an inflation guarantee. These will place you in a good position.

Liability Insurance

Home owners are sometimes caught off guard by third party claims for an injury someone incurred at their house or damages they caused to their neighbor’s property. These things happen, so protect yourself by ensuring your home insurance includes a liability insurance policy. Liability insurance gives the homeowner protection against any third party claims of damages and personal injury that occur on their property or are caused by them. Someone may fall and hurt themselves while on your property, or in the case of neighbors living in close proximity, your child could be playing and accidentally cause damage to their property. Liability insurance takes the burden of paying for medical bills or damages from your pocket, as the insurance company will take care of it.

Get Additional Coverage for Your Valuables

The standard insurance policy covers you home and possessions against eventualities such as natural disasters, fires, theft and accidents, but only does so indirectly for certain assets. Homeowners are sometimes caught off guard when they suffer from a disaster and realize they will not receive full compensation for certain valuables inside the house. The standard HO-3 policy takes care of the structural aspect of the house along with its contents, but there is limits the compensation for expensive possessions such as artwork and fine jewelry. You can obtain full coverage for them by paying a little extra on your policy each year.

 

 

http://blog.homegain.com/guest-bloggers

Prices Soar at Boom Speed | Armonk NY Real Estate

March home prices rose at double digit rates-increasing faster than they have in seven years-and the outlook is nearly as good for April.

Home prices nationwide, including distressed sales, increased 10.5 percent on a year-over-year basis in March 2013 compared to March 2012. This change represents the biggest year-over-year increase since March 2006, at the height of the housing boom, and the 13th consecutive monthly increase in home prices nationally. On a month-over-month basis, including distressed sales, home prices increased by 1.9 percent in March 2013 over to February 2013.*

Excluding distressed sales, home prices increased on a year-over-year basis by 10.7 percent in March 2013 compared to March 2012. On a month-over-month basis, excluding distressed sales, home prices increased 2.4 percent in March 2013 compared to February 2013. Distressed sales include short sales and real estate owned (REO) transactions.

The CoreLogic Pending HPI indicates that April 2013 home prices, including distressed sales, are expected to rise by 9.6 percent on a year-over-year basis from April 2012 and rise by 1.3 percent on a month-over-month basis from March 2013. Excluding distressed sales, April 2013 home prices are poised to rise 12 percent year over year from April 2012 and by 2.7 percent month over month from March 2013. The CoreLogic Pending HPI is a proprietary and exclusive metric that provides the most current indication of trends in home prices. It is based on Multiple Listing Service (MLS) data that measure price changes for the most recent month.

“For the first time since March 2006, both the overall index and the index that excludes distressed sales are above 10 percent year over year,” said Dr. Mark Fleming, chief economist for CoreLogic. “The pace of appreciation has been accelerating throughout 2012 and so far in 2013 leading into the home buying season.”

“Home prices continue to rise at a double-digit rate in March led by strong gains in the western region of the U.S. Looking ahead, the CoreLogic pending index for April indicates that upward price appreciation will continue,” said Anand Nallathambi, president and CEO of CoreLogic. “Much of the price increases we are seeing are the result of rising demand among investors and homebuyers for a still-limited supply of homes for sale.”

Highlights as of March 2013:

  • Including distressed sales, the five states with the highest home price appreciation were: Nevada (+22.2 percent), California (+17.2 percent), Arizona (+16.8 percent), Idaho (+14.5 percent) and Oregon (+14.3 percent).

 

 

http://www.realestateeconomywatch.com/2013/05

Deer Resistant Plants? Fact or Fiction? by P Allen Smith | Armonk Homes

Raise your hand if deer like to graze in your garden. How many different tactics have you tried to protect your plants? Have you tried hanging bars of soap from tree limbs, sprayed predator urine or scattered human hair around flower beds?

While these inventive measures may work temporarily, a long term solution requires a holistic approach. First, you have to give up the idea that you are ever going to deer proof your garden. Unless you build a 7-foot tall fence around your place, there’s not much you can do to keep them out. Next, make your garden less appealing to deer. Stop planting their favorites like tulips, roses and hostas and choose plants that deer are less inclined to eat. A few plant characteristics to look out for are fuzzy foliage, an antiseptic aroma and a bad taste.

Are there plants that are 100 percent deer resistant? No. The truth is that deer will eat anything when food is scarce, but if your garden is filled with plants that deer find unpleasant, there is a good chance they will move on to the delicacies in your neighbor’s yard.

 

 

http://www.pallensmith.com/blog

Recolor Your Walls for a Better Mood | Armonk NY Real Estate

Feeling uninspired in your creative life? Wish you could sleep better at night? Repainting your walls and redecorating with a new color scheme could be the solution — or at least the first step in getting out of your rut.

While color is not a magical solution to solving all of our problems, it does affect our mood and outlook, sometimes without us even realizing it. The advertising world, for example, takes advantage of our physical and psychological reaction to certain colors; most action movie posters have a blue and orange hue, and fast-food restaurants combine red and yellow to increase diners’ appetites.

Here are a few ways you can use color to create the mood you desire:

Red

Red walls - kitchen

Red is often associated with passion, excitement and love, which means that it can be the perfect shade for your bedroom, kitchen or creative space. Darker hues indicate elegance, while red in its purest form communicates a vibrant energy. Red is an extremely powerful color, so be careful of overdoing it and turning your room into a living furnace. Balance it out with neutral colors, pair with blue and white for nautical tones or add dashes of green decor for a natural complement.

Orange

Orange kids room

Orange can have much of the same effect as red and yellow, but can give your home a much quirkier feel, as it’s not used as often as the other two. Orange is also more inviting and a gentler way of greeting your guests than the bolder red. Go for dark hues if you’re aiming for a cozy, autumn feeling in your living room, or bright shades if you want to re-create the excitement of summer. Optimal rooms for an orange theme include the living room, dining room, kitchen or a child’s room.

Yellow

Yellow office

Yellow is easily the most uplifting color in the spectrum and is associated with cheer, joy and happiness. Paint your kitchen, bedroom or office yellow to inspire creativity and instantly de-gloom even the most windowless of rooms. If you don’t live in mostly sunny areas, use yellow as your secret weapon and invest in some mirrors to perpetuate openness and space.

Green

Green bedroom

In addition to being the natural color of most vegetables and thus associated with health, green also has a calming effect and can inspire balance. Green is also closely related to fecundity and growth, and can greatly maximize the creative aura of your home office or creative space. If you’re not quite committed to painting the walls green just yet, try populating the room with plants instead.

Blue

Blue living room

Keep blue, gray and black out of the kitchen and dining room, as these are the most unappetizing colors. Blue can be a perfect hue for bathrooms and bedrooms, encouraging feelings of serenity and peace. If you have trouble sleeping or feel frenetic at night, paint your walls blue to trick your mind into slowing down.

While many do associate it with sadness, remember that the specific shade of blue can have different meanings, including a host of religious connotations for many different cultures. Overall, a lighter blue can be refreshing and hip, while darker shades in a main living area are stable and strong.

Purple

Lavender bathroom

This is an extremely energetic color in its purest form, which is why many feng shui experts advise against painting walls purple or going overboard with purple decorations. Rather than a strong purple, opt for more muted shades like lavender or pink.

Pink is obviously often related to love, but can also be a gentler and more delicate option for purple enthusiasts. Pair with yellow-green for a dramatic pop, or black for a classy effect with just the right amount of flair.

 

http://www.zillowblog.com/2013-05-03

We Now Watch 6 Billion Hours of Content A Month on YouTube | Armonk NY Realtor

We Now Watch 6 Billion Hours of Content A Month on YouTube

YouTube, which is putting on the best face it can during this week’s NewFronts, slipped in an amazing statistic during their announcement of Dreamworks’ acquisition of AwesomenessTV, a network that reaches 14 million subscribers over 55,000 YouTube channels.  Earthlings now watch YouTube to the tune of 6 billion hours a month.  That’s a 50 percent increase year-over-year.  And, they are citing a conclusion from Nielsen that YouTube reaches more people in the 18-34 demographic than any cable network.  That’s some kind of reach.

YouTube: 6 Billion Hours And Counting

As YouTube points out, 6 billion hours in a month is almost an hour for every person who lives on Earth.  Of course, it’s not nearly like that…it is a bunch of people, a little over a billion unique visitors, watching hours of content every month.  The figure was at 4 billion hours, and now it’s at 6 billion…a 50 percent increase.  That’s just mind-blowing.  But it also shows that YouTube has been hard at work finding people everywhere they go, increasing its reach in different countries (70 percent of its traffic comes outside the U.S.) and on almost every device you can think of.

I’m wondering if this time next year, we’ll be talking about 9 billion hours a month.  It was impressive when it was 4 billion.  Just imagine it being more than twice that next year.

Source: We Now Watch 6 Billion Hours of Content A Month on YouTube http://www.reelseo.com/we-watch-6-billion-hours-content-a-month-youtube/#ixzz2SFQPoDWc

Home Prices in 20 U.S. Cities Climb by Most Since May 2006 | Armonk Homes

Residential real-estate prices increased in February by the most since May 2006, showing the U.S. housing market is strengthening.

The S&P/Case-Shiller index of property values in 20 cities rose 9.3 percent from February 2012, more than forecast, after advancing 8.1 percent in the year ended in January, the group said today in New York. The increase exceeded the 9 percent median forecast in a Bloomberg survey. Compared with the prior month, prices rose the most since October 20. 

Home Prices in 20 U.S. Cities Climb by Most Since May 2006

Home Prices in 20 U.S. Cities Climb by Most Since May 2006

Daniel Acker/Bloomberg

Higher home prices have also boosted household wealth, which will help underpin consumer spending, in turn, spur economic growth.

Higher home prices have also boosted household wealth, which will help underpin consumer spending, in turn, spur economic growth. Photographer: Daniel Acker/Bloomberg

No `Spring Swoon' for U.S. Economy, Thornberg Says

6:47

Christopher Thornberg, co-founding principal of Beacon Economics LLC, talks about the February S&P/Case-Shiller index of property values in 20 U.S. cities and the outlook for the housing market. Thornberg speaks with Erik Schatzker and Scarlet Fu on Bloomberg Television’s “Market Makers.” (Source: Bloomberg)

 

urther price gains may help alleviate a lack of housing inventory by encouraging more homeowners to put their properties on the market. At the same time, mortgage rates close to all- time lows and an improving labor market are providing a boost for residential real estate, which is a source of strength for the expansion.

Investors No Longer in the Driver’s Seat | Armonk NY Real Estate

After accounting for one out of four home sales in the depths of the housing recession and fueled turn-arounds in dozens of markets where waves of foreclosures and battered home values scared off other buyers, real estate investors today are playing a greatly diminished role in the housing recovery.

The latest Campbell/Inside Mortgage Finance HousingPulse Tracking Survey results suggest first-time homebuyers and current homeowners, not investors, are in fact the major players in this year’s marketplace.

The active presence of non-investor homebuyers is helping create a remarkably strong market for non-distressed properties leading into the important spring-summer home buying season.

HousingPulse nationwide data for March show that current homeowners continued to dominate the overall home purchase market with a 42.2 percent market share, based on a three-month moving average. While that was down from the levels seen last fall, it was still up on a year-over-year basis. First-time homebuyers stepped up their activity, reaching an eight-month market share high of 36.1 percent in March.

Investors’ share of the national housing market fell to 21.8 percent in March, down from a peak of 25.3 percent of all transactions in May 2012.

Last week a leading analyst on single family rentals also argued that the housing recovery is being driven more by buyers seeking a place to live than by investors.

Vimeo’s Nifty Tricks on Overcoming A Small Film Crew | Armonk NY Realtor

We normal folk without access to a whole bunch of money and resources and people who have time have to deal with what we have.  But is there anything we can do to at least give the semblance of something professional, or at least cool, or something worth talking about?  Do we have to just deal with static camera shots and frames filled with only a minimum amount of people because we can’t find any extras?  The good people at the Vimeo Video School, along with Neko Neko Films, have some nifty solutions for a small crew that are easy to implement and with some imagination, can make it seem like you had a lot more people working on your video than is readily apparent.

3 Tricks For Your Impossibly Small Film Crew

Here’s the video.  We’ll talk about it after:

Swipe Cut

In the video, they show someone throwing a blade at another guy, with the blade barely missing his head.  This isn’t done in one take, as the danger factor is too much to do this for real.  So they take advantage of the fact that people can’t normally see a quick cut in the middle of a fast camera motion by first, shooting the dangerous part where no one is in harm’s way, and quickly “swiping” (panning) the camera left-to-right or vice-versa as the blade falls harmlessly into something they don’t mind the blade hitting.

Then, on the second take, they already have the blade lodged into the wall next to the guy’s head, but swipe the camera in the same motion, so that when they go to their editor, they can cut in the middle of the quick motion on the first take, which will be undetectable on a quick glance, and go right into the second take fairly seamlessly.  With a sound effect “selling” it, it looks like someone has thrown a blade at another person in one take.

They also show a cool trick where two actors take turns playing the camera operator, where it looks like there’s one person going back and forth between the actors, when it’s the actors themselves operating the camera.  So each actor performs his bit on camera and the second actor swipes the camera back his way and gets in position.  Then the original actor moves the camera back, and does the swipe again, with the second actor ready to perform his bit.  With the same editing as the above trick, it looks like a dedicated camera operator is in the middle of the shot, panning back and forth.

There are plenty of other uses for that of course.  It’s all up to the imagination.

Split Screen

By keeping your camera in the same spot, you can shoot multiple things in parts of the frame and then use your editor’s split screen capabilities to make it look like all of the things you shot were in one take, populating your frame with actors, even if you might only have two total.  In this trick, they show one actor standing in the middle of the frame, with nothing on both sides.  Then they shoot two actors in the background on the left side of the frame, and they do what they have to do.  Then, two actors on the right side of the frame do their thing.  By entering these three clips into a video editor and splitting the screen with a “crop” tool, it makes it look like all the action is happening in one take.

Smart Phone Audio

If you want someone to be in the far background of a shot, it may not appear that you’ll be able to get their audio properly.  But you can use a smart phone’s recording capabilities (hopefully with a recording app, with the smart phone in a coat pocket) to record the actor in the background and then overlap the camera audio and the smart phone audio for a proper synching.  Although, in this example, I’m not sure you want to have the guy in the far background sounding like he’s right next to the guy in the foreground.  Selling “distance” also means making the audio sound more distant than usual.  So maybe that smart phone is farther away than a coat pocket, but you may not have a choice.

There’s also the matter of people being unable to actually see the background actor’s lips move, so synching sound to that person shouldn’t be a terribly big deal.  But whatever it takes to sell the effect, if you have a smart phone at your disposal, you can record a person who is farther away than normal.

We’d like to thank Vimeo and Neko Neko for the time they put into this!