Monday, March 14, 2011

Spring Cleaning Tips

I was searching for great cleaning tips rolling into Spring.  It's great to know that there are inexpensive and creative ways to get starting on your Spring cleaning checklist.  You have probably heard of most of these but I think it a great reminder.   Enjoy!



  1. When you dust, start at the top and work down.
  2. Leave baking soda on carpeting over night will absorb musty odors
  3. Wash walls from the bottom up, to avoid streaking.
  4. Use old socks as mitts for cleaning difficult wood work.
  5. Wash small knickknacks instead of dusting.
  6. To removing heel marks , take pencil eraser and rub them off.
  7. Don’t mix cleaning products. Ammonia and bleach are toxic.
  8. For interior walls: Use wall cleaner, mix 1/2 c. ammonia, 1/4 c. white vinegar, and 1/4 c. baking soda to 1 gal. warm water.
  9. For cleaning textured walls use nylon socks instead of a sponge or cloth to avoid leaving material chunks behind.
  10. To dust wall paper, tie a dust cloth over your broom and work from the top down.
  11. To remove pencil marks & other non-greasy spots from non-washable papers, use an art-gum eraser .
  12. To remove greasy spots or crayon, apply a paste of cleaning fluid and fuller’s earth and cornstarch. Let the wall dry and brush off residue. Repeat the treatment until the spot is gone.
  13. For exterior walls: Use a water hose to spray the outside of your house. This will remove siding cobwebs and dirt.
  14. Textured siding ? Attach a car-washing brush to the hose to remove dirt.
  15. For windows: Make your own spray cleaner. Fill a spray bottle with 3 tablespoons ammonia, 1 tablespoon vinegar & the remainder with water.
  16. Dust blinds by wrapping a cloth around a ruler. Spray cloth with a dusting spray and run the flat end across each blind.
  17. Shine windows using old newspaper.
  18. Clean windows on an average temperature, preferably overcast day to avoid streaks.
  19. Dry windows outside in one direction then inside in the other direction. If you see a streak, you will know which side is the offender.
  20. To clean window sills, pour diluted rubbing alcohol on a cloth and rub the entire surface.Then dust off the sill with a clean cloth.
  21. For the Bathroom: Rubbing alcohol can remove the dull haze from mirrors.
  22. Use rubbing alcohol to remove spots from bathroom fixtures.
  23. Glass shower doors will sparkle if cleaned with white vinegar.
  24. To clean the shower, use a solution of 1/2 cup vinegar, 1 cup ammonia, and 1/4 cup baking soda added to one gallon of warm water.
  25. Lemon furniture oil will remove water spots on metal frames.
  26. Rusty tile marks can be removed with kerosene.
  27. Running the shower on hot for five minutes will steam the dirt loose.
  28. Grout need cleaning? Wash with 2 tablespoons chlorine bleach in one quart of water. Dry thoroughly, then apply several coats of lemon oil. Let dry one hour between coats.
  29. Dull walls will shine when washed with vinegar and water and polished  with a dry cloth.
  30. Lighter fluid will remove most stains from porcelain sinks and bathtubs.
  31. For the Kitchen: Pour club soda on counter and clean with a soft cloth, rinse with water then wipe dry.
  32. Baking soda or club soda will clean and shine stainless steel sinks easily.
  33. Remove stubborn water spots from a stainless sink with a cloth dampened with rubbing alcohol.
  34. Spots on stainless steel also can be removed with vinegar.
  35. Rub stainless steel sinks with lighter fluid if rusty .
  36. For a sparkling white porcelain sink, place paper towels across the bottom of your sink and saturate with household bleach. Let sit for 8 hours & rinse. Never use bleach in colored sinks.
  37. Vinyl Floors: Sweep then damp mop using a gallon of water and a dash of dishwashing detergent.
  38. No-wax floors eventually need waxing, this will help to prevent further deterioration.
  39. Cleaning Carpets: To clean dry spots, loosen soil and vacuum away prior to moistening it.
  40. When taking out stains, always use a white cloth.
  41. Wax dropped on carpet or upholstery? Set a clean, absorbent cloth over the wax stain and hold a hot iron on it. Then remove the cloth.
  42. Coat mildly greasy stains with aerosol shaving cream, use a hair dryer to speed dry. Then vacuum.
  43. Sprinkle a greasy stain with baking soda, cornstarch or talcum powder. Leave on at least 8 hours, then vacuum.
  44. Did you know that Bounce, the stuff you use in the dryer has many cleaning uses?
  • Eliminates static electricity from your television screen. Since Bounce is designed to help eliminate static cling, wipe your television screen with a used sheet of Bounce to keep dust from resettling.
  • Dissolves soap scum from shower doors. Clean with a used sheet of Bounce.
  • Freshens the air in your home. Place an individual sheet of Bounce in a drawer or hang one in the closet.
  • Prevents thread from tangling. Run a threaded needle through a sheet of Bounce to eliminate the static cling on the thread before sewing.
  • Eliminates static cling from pantyhose. Rub a damp, used sheet of Bounce over the hose.
  • Prevents musty suitcases. Place an individual sheet of Bounce inside empty luggage before storing.
  • Freshens the air in your car. Place a sheet of Bounce under the front seat.
  • Cleans baked-on food from a cooking pan. Put a sheet in the pan, fill with water, let sit overnight, andsponge clean. The anti-static agents apparently weaken the bond between the food and the pan while the fabric softening agents soften the baked-on food.
  • Eliminates odors in wastebaskets. Place a sheet of Bounce at the bottom of the wastebasket.
  • Collects cat hair. Rubbing the area with a sheet of Bounce will magnetically attract all the loose hairs.
  • Eliminates static electricity from venetian blinds. Wipe the blinds with a sheet of Bounce to prevent dust from resetting.
  • Deodorizes shoes or sneakers. Place a sheet of Bounce in your shoes or sneakers overnight so they’ll smell great in the morning.

Tuesday, March 8, 2011

Buyers! Dont forget to write off your closing costs!

It's almost tax time and for buyers that bought a home in 2010 it is imperitive you write off your closing costs in order to save lots of $$$$ on your taxes.  Here are 5 great tips to print out and keep in your tax folder!  Also, if you sold your home on a short sale  in 2010 or 2011 read this great article dealing with your personal tax questions.


1. You Have to Itemize Your Return to Claim Your Deductions

During the recent debate on Capitol Hill about whether the mortgage interest deduction should be eliminated (it won't be, not anytime soon), it came out that nearly 40% of homeowners lose out on their major tax advantages every year when they fail to itemize their income taxes. If you own a home and otherwise have a fairly simple return, it might be tempting just to take the standard deduction – and if your mortgage, property taxes and income are low enough, the standard deduction might outweigh your homeowners' deductions. But you'll never know if you're losing out on the tax advantages of itemizing unless you try; before you grab a pen and start filling in that 1040-EZ grab those forms from your mortgage company and answer the questions on tax software like TurboTax, which will automatically do the math on whether itemizing or taking the standard deduction will result in the lowest tax bill – or the highest tax refund – for you.
2. Plan Ahead and Be Strategic When Taking a Home Office Deduction

According to the Small Business Administration, the average home office deduction is $3,686 – multiply that by your tax bracket – 15%, 20%, 30% or whatever it is, and that's what you'll save on your taxes by writing off your home office. Know, though, that the space you designate as your home office cannot be exempted from capital gains tax when you sell your home later. The $250,000 (single)/ $500,000 (married filing jointly) income tax exemption for capital gains is only good on your personal residence, after all – not including any space in your home you've claimed as your tax-advantaged office. If you foresee selling your home for much more than you bought it in the future, near or far, discuss this with your tax preparer to see if the few hundred bucks you save is worth the capital gains complication later.

3. Tax Relief for Loan Modifications, Short Sales and Foreclosures Is Only Around Through 2012

While the long-term housing outlook is beginning to look up, 2011 is projected to be the peak year for foreclosures during this market cycle. Distressed homeowners who are on the brink of a short sale, loan modification or foreclosure should be aware that normally, any mortgage balance that is wiped out by one of these outcomes is taxed as what the IRS calls Cancellation of Debt Income, or CODI.

Under the Mortgage Debt Forgiveness Relief Act of 2007, the IRS is currently not charging income taxes on CODI incurred through a loan mod, short sale or foreclosure on most primary residences through 2012. But right now, banks are taking many months, or even years, to work out mortgages in all of these ways; the average foreclosure in New York state right now occurs only after 22 months of missed mortgage payments. If you foresee any of these outcomes in your future, don't put things off. Do what you can to get to closure on your distressed home and loan, ASAP, while you won't have income taxes to add as the insult on top of your significant housing injury.

4. Project the Income Tax Consequences of a Refinance or Property Tax Appeal

Homeowners everywhere are working on applying for a lower property tax bill on the basis of the last few years' decline in their home's value. Those who have equity have flocked en masse to refinance their 7% home loans into the 4% to 5% rates of the last few months. These strategies offer some of the heftiest household savings out there for the corresponding investment in time and money they take. But here's a caveat for savvy homeowners who slash these costs: remember that property taxes and mortgage interest, the very costs you're minimizing, are also the basis for the major tax benefits of being a homeowner. So plan ahead for your income tax deductions to go down along with your taxes and interest.

5. Don't Forget Those Closing Costs
If you bought or refinanced your home in 2010, you may be so focused on your mortgage interest and property tax deductions that you forget all about your closing costs. Any origination fees or discount points that were paid to your mortgage lender at closing are tax deductible on your 2010 return, get this – even if the seller paid your closing costs. If you can't figure out exactly what you paid, look for your HUD-1 settlement statement, that legal sized paper full of line item credits and debits that you should have received from your escrow provider or title attorney at, or just after, closing. Can't find it? Drop your real estate agent or mortgage broker an email; they can usually get a copy to you quickly.