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WEICHERT, REALTORS® - WAYNE MURRAY PROPERTIES
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I am a specialist in residential real estate in the Houston area since 1982. I have a broker's license and have served the buyers and sellers of southwest Houston with integrity for over 2 decades. I have an excellent track record for service and success. I have been effective in helping buyers and sellers achieve their goals while making the real estate process seem seamless. I keep on top of the market and my clientele informed thus inspiring confident, sound decisions for buyers and sellers

Foreclosure crisis probably will persist next year

By ALAN ZIBEL Associated Press

Nov. 19, 2009, 8:26PM

The latest evidence was a report Thursday that a rising proportion of fixed-rate home loans made to people with good credit are sinking into foreclosure. That's a shift from last year, when riskier subprime loans drove the housing crisis.

The report from the Mortgage Bankers Association also found that 14 percent of homeowners with a mortgage were either behind on payments or in foreclosure at the end of September. It was a record-high figure for the ninth straight quarter.

The data suggest the housing market and the broader recovery will remain under pressure from home-loan defaults, especially as unemployment keeps rising. Lost jobs are the main reason homeowners are falling behind on their mortgages.

After three years of plunging prices, the housing market started to rebound this summer. That lifted hopes for the economy. But analysts say there are too many foreclosed homes that have yet to be dumped on the market.

Among states, the worst damage is concentrated in the states hardest hit from the start: Florida, Nevada, California and Arizona. They accounted for 43 percent of new foreclosures.

One in four mortgages in Florida were either past due or in foreclosure, the most in the U.S.

“There's no indication in this data that foreclosures are going to abate anytime soon,” said Mark Zandi, chief economist at Moody's Economy.com .

Home sales up for second straight month

By NANCY SARNOFF Copyright 2009 Houston Chronicle

Nov. 19, 2009, 8:19PM

 
 

Does that signal the market is on the rebound? Some signs indicate yes, while others say maybe not yet.

“Overall, the interest is above what it has been in years past,” said Stephanie Edwards-Musa, a real estate agent who works in The Woodlands and surrounding areas.

Houston-area home sales for October jumped 13.8 percent over a year ago.

That's because the lingering effects of Hurricane Ike depressed sales last October and this year's federal tax credit for housing boosted sales.

The increase marked the second straight month where the number of transactions rose, according to a monthly housing report released Thursday by the Houston Association of Realtors.

In September, single-family home sales spiked 31 percent — largely an aberration caused by a big drop in sales after last year's hurricane.

Despite some positive signs, the Houston property market is a mixed bag.

While real estate agents have been reporting increased activity, some homeowners still can't sell.

Brian Stutt thought he'd make a quick sale on his four-bedroom house with a pool in Southampton Place, a subdivision of affluent homeowners near Rice University.

He listed the house at $750,000, a price he felt was below market value for the neighborhood, where the median price per square foot last year was $287.90.

Three months and one price cut later, it still hasn't sold.

“I'm very surprised where we are right now,” said Stutt, 60. “I didn't foresee this coming.”

The high end of the market, however, has taken a significant hit. Wealthy would-be buyers put home buying on hold after last year's stock market declines and mortgage tightening.

Builders who put up multimillion-dollar homes at the peak of the market have had to cut their prices or nervously hold on until the economy improves.

The median price for a home in the MLS area that includes Southampton was $637,500, down 12 percent from last October.

Price increases

Still, many parts of town saw price increases.

At $149,000, the October single-family home median price — the figure at which half of the homes sold for more and half sold for less — rose 5 percent from the same month last year.

In The Woodlands, Edwards-Musa said inventory is low for homes priced below $250,000.

For that price range, “it's very much a seller's market,” she said.

With the federal homebuyer tax credit, first-time buyers have helped deplete some of the lower-priced inventory.

Realtors sold 4,834 homes last month, according to the association, which tracks transactions through the Multiple Listing Service.

Now that the tax credit has been extended through April and expanded to include move-up buyers, agents are even more encouraged.

“Many Houston Realtors reported that the first-time homebuyer tax credit was extremely effective at drawing consumers to the marketplace, and we believe momentum will build with the federal government's extended and expanded incentive program,” Vicki Fullerton, the association's chair, said in the report.

The numbers of sales expected this month signal another increase is possible.

October's month-end pending sales — those listings expected to close within the next 30 days — totaled 3,673, which was 2.6 percent higher than last year.

Nervous potential buyers

But winter is typically a slow time for home sales.

And with consumers still worried about their jobs and the overall economy, nothing is certain.

The market's direction will depend largely on employment, Jim Gaines, an economist with the Texas A&M Real Estate Center, said earlier this month.

“When people are nervous about their jobs or they can't get a job or their job is a part-time or lower-paying job, then that tends to cut them out of the homebuying market,” he said.

nancy.sarnoff@chron.com

Attorney Richard D. Vetstein. outlines the changes in lending that we both hope will lead to transparency and the final end to bait-and-switch lending.
New, sweeping changes regulating how lenders, closing attorneys and title companies disclose loan and closing costs are set to go into effect January 1, 2010. The new regulations are part of a long awaited reform to the 30 year old Real Estate Settlement Practices Act (RESPA) aimed at providing greater transparency and fostering better consumer choice in loan and closing costs. The changes are so significant that HUD recently took the unusual step of giving lenders a 120 day reprieve in enforcing the new regulations. The major components of the new RESPA reform are the new and substantially revised Good Faith Estimate (GFE), in which lenders disclose loan and closing costs to borrowers, and the HUD-1 Settlement Statement, which is a detailed financial breakdown of the entire real estate transaction signed at closing.
Highlights of the new changes include: • Borrowers must receive a standard GFE disclosing key loan terms, including the loan’s terms; whether the interest rate is fixed or otherwise; any prepayment penalties and/or balloon payments; and total closing costs. • Lenders must provide borrowers with a standard origination charge for the loan which must include all points, appraisal, credit, and application fees, administrative, lender inspection, wire, and document preparation fees • Lenders have the option of providing borrowers with a list of approved service providers such as closing attorneys and title insurance companies. • A tolerance range has been specified for various categories of loan/closing costs to prevent unnecessary escalation of promised vs. actual charges. (Fees quoted for lender origination charge cannot change. Fees for title and closing costs where the lender selects the provider or where the borrower selects the provider from the lender’s approved list cannot change by more than 10 percent. Fees that borrowers can shop for themselves can increase -- or decrease -- by any amount.) • The final page of the GFE contains worksheet-like charges to compare different loans and terms that the borrower can use to shop pricing. • Controversial lender payments to mortgage brokers, known as yield-spread premiums, must be disclosed in a standard manner. • The charges quoted on the GFE are then carried over to the HUD-1 Settlement Statement to ensure that the prescribed tolerances are met. Here is a link to the new Good Faith Estimate (GFE) form) and a link to the new HUD-1 Settlement Statement form. The most recent FAQ from HUD can be found here.

I think that overall the changes will provide consumers with greater disclosure and transparency of the myriad loan closing fees and costs in a typical real estate purchase. It also incentives lenders to create a team of preferred settlement service providers, so it can guarantee to its customers that the price of the preferred vendors' settlement services will never increase by more than 10 percent at closing. If borrowers aren’t happy with that, they are free to shop and find a better deal themselves.

Generation Y: Their Momentum Is Building

Business Building by Margaret KellyPrint Article Print Article

consumer webRISMEDIA, November 13, 2009—The next generation of real estate customers, at 74 million strong, is poised to enter their prime home-buying years. Generation Y, people born between 1980 and 1995, rivals the size and potentially the influence of their parents’ generation: the Baby Boomers, born between 1946 and 1965. Gen Yers are about to create a new wave of consumer clout, not to mention a chain reaction in real estate that could reshape how you do business and how much business you do. As they enter the housing market, Millennials will enable Gen Xers (born between 1965 and 1979) and Boomers to make their next real estate moves. You’ll want to be aware and accommodating of some of the most defining Gen Y characteristics so that you’re carried by the wave, and not just washed away.

Communication Needs

A group that largely can’t remember a time without cell phones, computers and the Internet expects instant access to information and consultation. Millennials initiate and conduct a range of official and personal business via e-mail, text messaging and social networking. They’re unlikely to prefer phone calls. Consider updating your business card and promotional materials to reflect all the ways customers can reach and get to know you, including your blog, Twitter account and Facebook profile.

Financial Situation

Although recent Gen Y college graduates tend to have more debt than their parents did at the same age, they’re not discouraged by the current challenges in the economy and aren’t too proud to wait it out under Mom and Dad’s roof. But they do show signs of interest in homeownership and real estate investment a few years earlier than Gen Xers. Some may even want your help understanding the various first-time home buyer incentives and programs, as well as alternatives to traditional single-family home purchases, such as distressed properties and condos.

Lifestyle Goals

Millennials have grown up busy balancing school, sports, hobbies and more, and they’re keeping the same pace through college and into the workforce. They want to do it all and have a talent for maintaining a balance. But they need proximity on their side. They’re drawn to communities that are close to work, home, the gym and their favorite hangouts and activities. Keep track of real estate in urban centers and planned communities so that you can guide this group to the most affordable and convenient options for their circumstances.

Reach out to the confident, social and technologically savvy Millennials on their terms, and your referral network—along with your annual sales volume—could grow exponentially over the next decade or more.



Read more: http://rismedia.com/2009-11-12/generation-y-their-momentum-is-building/#ixzz0X5Hr5gMs
Mortgage rates and buyers on decline

Although interest rates have dropped to a five-week low, there has been a potentially unsettling surprise in the numbers.

The Mortgage Bankers Association weekly survey said the average interest rate for a 30-year, fixed-rate loan with a 20 percent down payment was 4.90 percent for the week ending Nov. 6.

The twist on the news is that loans for real estate purchases fell nearly 12 percent from the previous week. The loan purchase index is at its lowest level since December 2000.

So despite near record low mortgage rates, buyers are not jumping into the market. Whether this is a trend or an aberration in the statistics will be followed in future weeks.

Tax credit may spur buyers

Purchase loans may be lower because of a lull caused by debate over the home buyers tax credit in the Senate and House. First-time buyers need at least 30 days to close a real estate transaction, and when the credit was set to expire after Nov. 30, most would have had to be in escrow before last week’s survey.

Now that the credit has been extended and even opened to those who have owned their home for at least five years, those shopping for a home loan could increase soon. Of course, if the market is running low on qualified first-time buyers, there could be a continued slide in home purchase loans.

With rates falling and predicted to rise by most experts beginning in January 2010, those who have the equity and can afford to refinance are taking advantage of the low rates. The refinance share of the loan market climbed 11.3 percent to 71.5 percent of the market last week.

The 30-year fixed rate has fallen from the previous week’s 4.97 percent and is the lowest since May 15, when it hit 4.69. The average 15-year rate was unchanged at 4.33 percent. The rate for a 1-year Adjustable Rate Mortgage was 6.85, up from 6.83.

The Wall Street Journal

Beware of 'Debt-Relief' Offers

 

 

For consumers drowning in thousands of dollars of debt, the lure of paying "pennies on the dollar" to their creditors in a process known as debt settlement is tough to resist.

But the television and radio ads that blare "pay just 50% of what you owe" too often neglect the fine print. Debt settlement -- which entails not paying your bills until your creditor agrees to accept only a portion of the total owed -- works only for a few of the consumers who attempt it.

And consumers who enter the process may endure months of creditors' angry phone calls, plus a growing debt load as fees, penalties and interest are tacked on to their original balance due. Plus, there's a distinct possibility creditors will sue.

[marketwatch wsj.com]

Now, as more consumers are overwhelmed by debt in these tough economic times, regulatory agencies are taking note.

"The number of complaints the states have received against debt-relief companies, particularly debt-settlement companies, have consistently been rising and have more than doubled since 2007," according to an Oct. 23 letter from 40 state attorneys general to the Federal Trade Commission, in support of the FTC's proposal in August to change the rules governing such firms.

Proposals for Disclosure, Fees

The FTC is proposing to require firms to better disclose how these programs work, as well as limit firms' ability to charge fees up front.

Fee structures vary, but a common variant is that the consumer pays about 40% of the fee in the first few months, and the rest within the first year -- though the settlements, if successful, may not occur for months or even years beyond that. Fees vary but often range from about 10% to 15% of the consumer's debt.

And customers often are on the hook whether they get help or not. A debt-settlement trade group found in a survey of its members that "completion rates" ranged from 35% to 60%, though the FTC says companies define completion differently.

Meanwhile, in New York, one debt-settlement company promised consumers they'd pay just 60% of their balance owed, but just 1% of customers enjoyed that result, according to the New York attorney general's office, which sued two debt-settlement companies in May.

Fewer than 10% of customers of 42 debt-settlement and credit-counseling companies operating in Colorado paid off or settled their debts, according to a study by that state's attorney general's office.

"There's no guarantee that a debt-settlement company is going to be able to in fact settle your debts for pennies on the dollar, if at all," says Susan Grant, director of consumer protection at the Consumer Federation of America, a Washington-based advocacy group. "And the question is, should consumers be paying large fees up front when there's no guarantee that they're going to get the relief that they were led to expect?"

Tips for Consumers

Before you go the settlement route, visit a consumer-credit counseling agency for advice. It won't hurt your credit rating to talk to them, and the first visit is free.

The National Foundation for Credit Counseling (www.nfcc.org) has a tool for locating counselors nationwide. Credit counselors offer debt-management plans. Under these, creditors agree to reduced monthly payments or lower interest rates in return for the consumer agreeing to pay the full debt on a set schedule. But consumers who can't afford the monthly payment won't qualify.

Next, talk to an attorney to assess whether bankruptcy makes sense. Debt settlement "is not a decision you make without talking to a bankruptcy attorney, because you could be sued" by going the settlement route, says Gerri Detweiler, a personal-finance adviser with Credit.com, a consumer information site.

Try working out a settlement yourself. It requires a thick skin to work with creditors, and a clear idea of how much you can afford to pay back. "People will say, 'How little can I settle for?' " Ms. Detweiler says. "Debt settlement should not be about trying to wiggle out of your debts. It's really about coming to an agreement with your creditors to pay what you can afford and getting them to understand that you can't pay any more than that."

Consider the tax hit. Unless you can prove to the Internal Revenue Service that you were insolvent at the time of the settlement, you may owe income tax on any forgiven debt.

Read the contract. If you decide to go to a debt-relief company, find one that demands the bulk of its fee only after successful settlement.

November 11, 2009

Energy Capital no. 1 in Energy Star homes

EnergyStar2.jpg

Houston has more Energy Star homes than anywhere else in the country, according to the U.S. Environmental Protection Agency.

Energy Star homes must be built with effective insulation systems, high-performance windows, tight construction and ducts, efficient heating and cooling equipment and high-efficiency lighting and appliances.

The agency claims Energy Star homeowners have saved $1.2 billion on their energy bills and reduced greenhouse gas emissions by 22 billion pounds.

The top 20 markets for Energy Star qualified homes:

Houston
Dallas
Las Vegas
Phoenix
Los Angeles
New York
Tucson, Ariz.
San Antonio
Sacramento, Calif.
San Diego, Calif.
Columbus, Ohio
Des Moines, Iowa
Indianapolis
Austin
Philadelphia
San Francisco
Boston
Denver
Orlando, Fla.
Oklahoma City

7 Smart Strategies for Remodeling Your Kitchen

When planning a kitchen remodeling project, keep the same footprint, add storage, and design adequate lighting to preserve value and keep costs on track.

 

 

  
 

If you’re contemplating a kitchen remodel, you’re also weighing a considerable investment. But a significant portion of the upfront costs may be recovered by the value the project brings to your home. Kitchen remodels in the $50,000 range recouped 76% of the initial project cost at the home’s resale, according to recent data from Remodeling magazine’s Cost vs. Value Report. To make sure you maximize your return, consider these seven smart kitchen remodeling strategies.

1. Establish your priorities

Simple enough? Not so fast. The National Kitchen and Bath Association (NKBA) recommends spending at least six months planning before beginning the work. That way, you can thoroughly evaluate your priorities and won’t be tempted to change your mind during construction. Contractors often have clauses in their contracts that specify additional costs for amendments to original plans. Planning points to consider include:

  • Avoid traffic jams. A walkway through the kitchen should be at least 36 inches wide, according to the NKBA. Work aisles for one cook should be a minimum of 42 inches wide and at least 48 inches wide for households with multiple cooks.
  • Consider children. Avoid sharp, square corners on countertops, and make sure microwave ovens are installed at the heights recommended by the NKBA—3 inches below the shoulder of the principle user but not more than 54 inches from the floor.
  • Access to the outside. If you want to easily reach entertaining areas, such as a deck or a patio, factor a new exterior door into your plans.

Because planning a kitchen is complex, consider hiring a professional designer. A pro can help make style decisions and foresee potential problems, so you can avoid costly mistakes. In addition, a pro makes sure contractors and installers are sequenced properly so that workflow is cost-effective. Expect fees around $50 to $150 per hour, or 5% to 15% of the total cost of the project.

2. Keep the same footprint

No matter the size and scope of your planned kitchen, you can save major expense by not rearranging walls, and by locating any new plumbing fixtures near existing plumbing pipes. Not only will you save on demolition and reconstruction, you’ll greatly reduce the amount of dust and debris your project generates.

3. Match appliances to your skill level

A six-burner commercial-grade range and luxury-brand refrigerator might make eye-catching centerpieces, but be sure they fit your lifestyle, says Molly Erin McCabe, owner of A Kitchen That Works design firm in Bainbridge Island, Wash. “It’s probably the part of a kitchen project where people tend to overspend the most.”

The high price is only worth the investment if you’re an exceptional cook. Otherwise, save thousands with trusted brands that receive high marks at consumer review websites, like www.ePinions.com and www.amazon.com, and resources such as Consumer Reports.

4. Create a well-designed lighting scheme

Some guidelines:

• Install task lighting, such as recessed or track lights, over sinks and food prep areas; assign at least two fixtures per task to eliminate shadows. Under-cabinet lights illuminate clean-up and are great for reading cookbooks. Pendant lights over counters bring the light source close to work surfaces.

• Ambient lighting includes flush-mounted ceiling fixtures, wall sconces, and track lights. Consider dimmer switches with ambient lighting to control intensity and mood.

5. Focus on durability

“People are putting more emphasis on functionality and durability in the kitchen,” says McCabe. That may mean resisting bargain prices and focusing on products that combine low-maintenance with long warranty periods. “Solid-surface countertops [Corian, Silestone] are a perfect example,” adds McCabe. “They may cost a little more, but they’re going to look as good in 10 years as they did the day they were installed.”

If you’re not planning to stay in your house that long, products with substantial warranties can become a selling point. “Individual upgrades don’t necessarily give you a 100% return,” says Frank Gregoire, a real estate appraiser in St. Petersburg, Fla. “But they can give you an edge when it comes time to market your home for sale” if other for-sale homes have similar features.

6. Add storage, not space

To add storage without bumping out walls:

• Specify upper cabinets that reach the ceiling. They may cost a bit more, but you’ll gain valuable storage space. In addition, you won’t have to worry about dusting the tops.

• Hang it up. Install small shelving units on unused wall areas, and add narrow spice racks and shelves on the insides of cabinet doors. Use a ceiling-mounted pot rack to keep bulkier pots and pans from cluttering cabinets. Add hooks to the backs of closet doors for aprons, brooms, and mops.

7. Communicate effectively—and often

Having a good rapport with your project manager or construction team is essential for staying on budget. “Poor communication is a leading cause of kitchen projects going sour,” says McCabe. To keep the sweetness in your project:

  • Drop by the project during work hours as often as possible. Your presence assures subcontractors and other workers of your commitment to getting good results.
  • Establish a communication routine. Hang a message board on-site where you and the project manager can leave each other daily communiques. Give your email address and cell phone number to subs and team leaders.
  • Set house rules. Be clear about smoking, boom box noise levels, which bathroom is available, and where workers should park their vehicles.

Consumers spend more money on kitchen remodeling than any other home improvement project, according to the Home Improvement Research Institute, and with good reason. They’re the hub of home life, and a source of pride. With a little strategizing, you can ensure your new kitchen gives you years of satisfaction

8 Easy Ways to Seal Air Leaks Around the House

For what the typical family wastes every year on air leaks—about $350—you can plug energy-robbing gaps, start saving money, and enjoy a more comfortable home.

 

 

  
 

A typical family spends about a third of its annual heating and cooling budget—roughly $350—on air that leaks into or out of the house through unintended gaps and cracks. With the money you waste in just one year, you can plug many of those leaks yourself. It’s among the most cost-effective things you can do to conserve energy and increase comfort, according to Energy Star. Start in the attic, since that’s where you’ll find some of the biggest energy drains. Then tackle the basement, to prevent cold air that enters there from being sucked into upstairs rooms. Finally, seal leaks in the rest of the house. Here are eight places to start.

1. Insulate around recessed lights

Most recessed lights have vents that open into the attic, a direct route for heated or cooled air to escape. When you consider that many homes have 30 or 40 of these fixtures, it’s easy to see why researchers at the Pennsylvania Housing Research/Resource Center pinpointed them as a leading cause of household air leaks. Lights labeled ICAT, for “insulation contact and air tight,” are already sealed; look for the label next to the bulb. If you don’t see it, assume yours leaks. An airtight baffle ($8-$30 at the home center) is a quick fix. Remove the bulb, push the baffle up into the housing, then replace the bulb.

2. Plug open stud cavities

Most of your house probably has an inner skin of drywall or plaster between living space and unheated areas. But builders in the past often skipped this cover behind knee walls (partial-height walls where the roof angles down into the top floor), above dropped ceilings or soffits, and above angled ceilings over stairs.

Up in the attic, you may need to push insulation away to see if the stud cavities are open. If they are, seal them with unfaced fiberglass insulation ($1.30 a square foot) stuffed into plastic garbage bags; the bag is key to blocking air flow. Close large gaps with scraps of drywall or pieces of reflective foil insulation ($2 a square foot). Once you’ve covered the openings, smooth the insulation back into place. To see these repairs in action, consult Energy Star’s DIY guide to air sealing.

3. Close gaps around flues and chimneys

Building codes require that wood framing be kept at least one inch from metal flues and two inches from brick chimneys. But that creates gaps where air can flow through. Cover the gaps with aluminum flashing ($12) cut to fit and sealed into place with high-temperature silicone caulk ($20). To keep insulation away from the hot flue pipe, form a barrier by wrapping a cylinder of flashing around the flue, leaving a one-inch space in between. To maintain the spacing, cut and bend a series of inch-deep tabs in the cylinder’s top and bottom edges.

4. Weatherstrip the attic access door

A quarter-inch gap around pull-down attic stairs or an attic hatch lets through the same amount of air as a bedroom heating duct. Seal it by caulking between the stair frame and the rough opening, or by installing foam weatherstripping around the perimeter of the hatch opening. Or you can buy a pre-insulated hatch cover kit, such as the Energy Guardian from ESS Energy Products ($150).

5. Squirt foam in the medium-size gaps

Once the biggest attic gaps are plugged, move on to the medium-size ones. Low-expansion polyurethane foam in a can is great for plugging openings 1/4-inch to three inches wide, such as those around plumbing pipes and vents. A standard 12-ounce can ($5) is good for 250 feet of bead about half an inch thick. The plastic straw applicator seals shut within two hours of the first use, so to get the most mileage out of a can, squirt a lubricant such as WD-40 onto a pipe cleaner and stuff that into the applicator tube between uses.

6. Caulk the skinny gaps

Caulk makes the best gap-filler for openings less than 1/4-inch wide, such as those cut around electrical boxes. Silicone costs the most ($8 a tube) but works better next to nonporous materials, such as metal flashing, or where there are temperature extremes, as in attics. Acrylic latex caulk ($2 a tube) is less messy to work with and cleans up with water.

7. Plug gaps in the basement

Gaps low on a foundation wall matter if you’re trying to fix a wet basement, but only those above the outside soil level let air in. Seal those with the same materials you’d use in an attic: caulk for gaps up to 1/4-inch wide and spray foam for wider ones. Use high-temperature caulk around vent pipes that get hot, such as those for the furnace or water heater. Shoot foam around wider holes for wires, pipes, and ducts that pass through basement walls to the outside.

In most older houses with basements, air seeps in where the house framing sits on the foundation. Spread a bead of caulk between the foundation and the sill plate (the wood immediately above the foundation), and along the top and bottom edges of the rim joist (the piece that sits atop the sill plate).

8. Tighten up around windows and doors

In the main living areas of your home, the most significant drafts tend to occur around windows and doors. If you have old windows, caulking and adding new weatherstripping goes a long way toward tightening them up. Bronze weatherstripping ($12 for 17 feet) lasts for decades but is time-consuming to install, while some self-stick plastic types are easy to put on but don’t last very long. Adhesive-backed EPDM rubber ($8 for 10 feet) is a good compromise, rated to last at least 10 years. Nifty gadgets called pulley seals ($9 a pair) block air from streaming though the holes where cords disappear into the frames.

Weatherstripping also works wonders on doors. If a draft comes in at the bottom, install a new door sweep ($9).

Before working in the attic, take some precautions

Try to do attic work on a cool day. Wear protective gear: disposable clothes, gloves, and a double-elastic mask or half-face respirator. Bring along a droplight with a fluorescent bulb, plus at least two pieces of plywood big enough to span two or three joists to support you as you work. To save trips up and down a ladder, try to move up all of the materials you need before you get started. One warning: If you find vermiculite insulation, hold off until you’ve had it checked for asbestos; your health department or air-quality agency can recommend a lab.

Jeanne Huber writes a home-repair column for the Washington Post and has commissioned three new roofs on various houses over the years.

 
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