Even though most people equate allergies with hay fever and outdoor triggers such as pollen, indoor allergens are also a major issue, even in a relatively dry place like San Diego. Indoor allergens effect on sleep is profound - allergy sufferers may experience insomnia or difficulty breathing throughout the night; plus, allergies can enhance the tendency to snore, which causes problems in so many other areas of our lives. Just ask all the wives out there reading this article.
Thankfully, Simmons and Seo, who have partnered to create the Natural Care collection of eco-friendly mattresses and pillows, are offering allergy sufferers some relief. They have a list of tips for reducing allergens within the bedroom. A good nights sleep is an si-highlight--primary element of overall wellness, and many people might be experiencing diminished high quality sleep due to allergens in their mattresses, pillows or drapes, which is far more prominent than most of us would like to admit.
Eliminating symptom-triggering items and replacing them with products that naturally resist allergens might assist a person in acquiring more restful sleep. For homeowners looking to produce a more hypoallergenic bedroom, consider the following:
- Bed basics. Search for mattresses that contain natural materials, which are far easier on our system, such as natural latex or foams created with plant-based sources.
- Freshen the pillows. Natural latex or synthetic pillows will naturally resist dust mites but ought to still be replaced every two years to keep them fresh. To maintain healthy pillows in between purchases, freeze them overnight to kill dust mites. Yup, you heard right, freeze your pillow. Sounds strange but it works and will extend their life span.
- Dress the bed properly. Select a cotton mattress pad to protect your mattress. Opt for organic cotton or natural fiber sheets, especially those created with sustainable...
Pending house sales improved further in December 2010, marking the fifth gain in the past six months, according to the National Association of REALTORS. The Pending Home Sales Index, a forward-looking indicator, increased 2.0% to 93.7 based on contracts signed in December from a downwardly revised 91.9 in November. The index is 4.2% below the 97.8 mark in December 2009.
The data reflects contracts and not closings, which usually occur with a lag time of one or two months. Lawrence Yun, NAR chief economist, credits great affordability conditions and economic improvement. Modest gains within the labor marketplace and the improving economy are creating a more favorable backdrop for buyers, permitting them to take advantage of superb housing affordability conditions. Mortgage rates ought to rise only modestly in the months ahead, so well continue to see a favorable environment for buyers with good credit, he said.
In the past two years, home buyers have been extremely successful, with super-low loan default rates, partly because of stable house costs throughout that time. That trend is likely to continue in 2011 as lengthy as there's sufficient demand to absorb inventory, Yun said. The latest pending sales gain suggests activity is very close to a sustainable, healthy volume of a mid-five million total annual home sales.
However, sales above six million, as occurred during the bubble years, is highly unlikely this year. The PHSI within the Northeast increased 1.8% to 73.9 in December but is 5.3% below December 2009. Within the Midwest, the index rose 8.0% in December to 84.6 but is 5.1% below a year ago.
Pending house sales within the South jumped 11.5% to an index of 101.9 and are 1.7% above December 2009. In the West, the index fell 13.2% to 105.8 and is 10.7% below a year ago.
The last of the paperwork has been filed away keys the are finally in hand. Congratulations on joining the ranks of home buyers who've taken advantage of today's opportunistic real estate market.
But closing on your new San Diego home is just the first step toward reaching your long-term financial goals. As a member of the Top 5 in Real Estate Network®, I advise my clients on financial matters and so they can best protect their new investment.
Here are five smart financial tips for after the close of escrow:
1. Don't splurge. It is tempting to decorate each room in your new home to the nines. I know, as I recently closed escrow on my own home here in San Diego, but be careful. Spending too much on furnishings and improvements is a lot easier to do than you may imagine. Take your time to figure out what it is that you really need. Remember, there are many new expenses that you will have with your new home. Make sure you can handle them before investing more into the property.
2. Rebuild emergency savings. If you dipped into reserve funds for your down payment or closing costs, it is a good idea to focus on building your reserves back up Put together a strategy and stick to it!
3. Automate your mortgage payments. Late payments can you kill you and your credit. Make sure it doesn't happen to you by removing it from your to do list. There are ways to make automatic payments out of your checking account that go right toward paying your mortgage. check with your bank.
4. Keep Good Records. Even in today's tech heavy world, receipts and all documents related to your home purchase should be kept and filed for your tax returns.
5. Appeal tax assessments. If your home's value drops, you should be eligible for lower property taxes. Stay in touch with your real estate agent to stay abreast of how property values are faring in your neighborhood. Don't rely on national statistics. Real estate trends are unique to each neighborhood and...
While the media devotes a lot of space and time to highlighting the negative aspects of today’s real estate marketplace, there are really many distinctive opportunities that exist for savvy buyers. For example, this might be your once-in-a-lifetime chance to buy a luxury property that was formerly out of reach because of the escalated prices of the real estate boom. In today’s market, nevertheless, such homes might suddenly be within your price range.
Be advised that purchasing a high-end property, such as Santaluz homes for sale
, requires a different methods and tactics than do purchases in lower price ranges. Here are 5 essential tactics to keep in mind when navigating the San Diego luxury market:
- Typical search avenues do not always work. Many high-end properties can’t always be found via the usual routes. Luxury properties often won’t have a yard sign either due to HOA restrictions in some of the high end communities such as Fairbanks Ranch. Make sure you are working with a real estate professional who’s well-networked with other real estate experts because many of the very best luxury listings are discovered by word-of-mouth.
- Cautiously assess the neighborhood. Many of today’s high-end properties are the outcome of over-zealous builders in the boom years. Specifically, I am talking about homes that tower over the other houses on the street. Make sure the property you’re considering is in sync with other house values in the neighborhood and can maintain its resale value.
- Check with zoning. When purchasing a San Diego luxury property, your surroundings are generally as important as the house itself. Make certain you’re not in danger of another property or commercial...